Atlanta Bankruptcy Attorneys Offer Advice on Saving Money This Valentine’s Day
Forget about your sweetie - why not show your wallet some love this Valentine's Day?
OK, maybe your significant other still deserves a little something. But my point is, you shouldn't have to break the bank just because Hallmark wants you to. And whether you're a diehard romantic or a Valentine's Day skeptic, you can use tomorrow as an excuse to start working towards a financial life that you'll love all year round - particularly if you're in debt right now, say Atlanta bankruptcy attorneys.
So back to that sweetheart of yours - or your family or friends. You don't have to shell out big bucks to show them you love them. In fact, keeping your spending in check is the best way to show you care, since you're not jeopardizing your financial future - and potentially theirs.
After all, it's the thought that counts. Instead of disposable gifts from the store, why not make something long-lasting or meaningful? For example, a nicely-framed photo or homemade scrapbook can stay on your wall or shelf forever. Or how about cooking a romantic dinner? You'll eat it just as fast as a meal you would've purchased out, but the thought you put into it will live on far longer.
And of course, don't forget about yourself this holiday. You wouldn't be with someone who doesn't treat you right - so why not treat yourself right? If you're spending sleepless nights wondering how you'll pay the mortgage or getting headaches from creditors calling you at all hours of the day, it's time to break it off with the financial habits that put you in this mess.
The simplest way to get rid of debt is to stop accumulating it. Look for anywhere you can cut back your spending, and do it - the goal is to stop spending more than earn. Once you reach that balance, you'll be able to rely less on your credit card since you'll actually have some cash left in the bank. When your debt stops growing, so will the interest you owe - and you can put that savings into actually paying off more than the minimum each month, which will start chipping away at your debt.
Now, if you've already made budget cuts and you've still got debt problems, it's time for a new plan. Bankruptcy is often the most effective solution for making a dent in a too-large debt. The right bankruptcy plan can reduce or wipe out some or all of your debt, while a payment plan created with your situation in mind can take care of the rest. Interested in finding out whether bankruptcy is the best choice for you? It's absolutely free with a personal debt analysis courtesy of an Atlanta bankruptcy attorney. Now that's a Valentine's Day gift that will keep on giving.