New Year, New Finances Part I: Setting Goals for a Better 2011

Maybe your New Year's resolution is to get organized. Maybe it's to reduce stress and become a happier person. Or, if you're like the many folks hit hard by today's economy, maybe it's to make more money in 2011.

What if I told you that you could actually accomplish all those things - at least to some degree -by making one simple change to your life? It's not a pipedream, say Chicago bankruptcy attorneys. It's what can happen when you take back the reins to your financial future and get out of debt.

Debt is more than just a financial difficulty. It's an emotional and mental ball and chain that you have to wear every day. It adds stress that leads to anxiety and depression, it strains relationships and it puts you two steps behind for every one step you take forward. In short, it can ruin your life.

Of course, if you're deep in debt, you already know that. And you're probably thinking that getting rid of debt is easier said than done. You're right - it's not easy. But it is possible.

All you have to do is stop adding to your debt and start actually paying it off. If you've got credit card debt, start paying more than the minimum. Every dollar you pay over what you owe for interest will lower your balance. Have other types of debt, like loans, medical, IRS, etc? Lowering credit card debt can free up more money for your other bills. Of course, making it happen takes budgeting and willpower. And, if you find yourself getting stuck financially, it takes the guts to ask for help.

If you have the desire and discipline to lower your debt, but you just can't afford to make more than the minimum payment, a bankruptcy plan can provide just the boost you need. And right now, filing for bankruptcy with DebtStoppers is just $300. Three hundred bucks can change your life forever - so what are you waiting for? Find out if bankruptcy can help you start 2011 off on the right financial foot when you try a free personal debt analysis with a Chicago bankruptcy attorney.

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