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A Greater Budget To Prevent Bankruptcy

A Greater Budget To Prevent Bankruptcy

Be Fiscally Conservative By
Spending Less on Your Clothing

There are many different ways to avoid having to file for bankruptcy. You may be told to sell some of your things to pay bills, negotiate with creditors, or to restructure your life. Perhaps something as easy as formulating a better budget is an easy way to avoid having to file for Glendale bankruptcy. One of the ways that you could consider to tighten your budget is to reduce the money that you spend on clothes. Sure, it may be easy to just not buy any new clothes, shoes, or garments. However, some jobs require that you have up to date, fashionable clothing. Other jobs require a uniform or clothes and shoes to perform the job. Sometimes the clothes do make the man (or woman). Sometimes clothing and shoes are a necessity.

Using some creative money strategies may allow you to reduce the amount of money that you have to spend in this aspect of your life. Reducing resources spent on clothes and shoes will allow monies to go towards satisfying the many debts that have been looming over your head. Remember, this budget and reduction has to be done by you as there is no way that those shoes you have had your eyes on at the mall are just going to (all of a sudden) become affordable. Even some of the sales rack items are still going to be more than you are willing to pay.

By looking for your clothes and shopping in different places, you won’t have to sacrifice your love for style even though you are sacrificing some of your clothing budget. Not overspending for clothes is the key to reducing your clothing budget. First of all, you should shop with cash only. Though this may seem old-fashioned, when you limit yourself to shopping with cash for clothing, you will limit the temptation to overspend on a credit card. It’s too easy to swipe that little plastic card in exchange for that new dress or shirt that you have been wanting. When you use only cash for your clothing purchases, if you don’t have the money then you can’t spend it. Cutting back on your credit card use is a bonus. Plus, its never fun to pay for items that you bought months ago.

Many times some of the best deals can be found outside of the mall. On-line shopping can be a great source of bargains. However, when you shop on-line the instant gratification of wearing your purchase is not fulfilled. There are many discount chains that offer you the same quality, name-brand clothing and shoes at a fraction of the cost.

4 best places that you can shop on a budget in Arizona

Marshalls – www.marshallsonline.com
Ross – www.rossstores.com
TJ Maxx – www.tjmaxx.com
Norstrom Rack – shop.nordstrom.com/c/nordstrom-rack

Great stores like those above are stores that you may find brand name clothing that was originally put in the department store but then was removed because of a surplus. The items found in these stores are great-quality clothing and shoes, but are sold at the discount stores for a fraction of the price. Hitting the sales racks at the discount stores way garner you even better deals. However, just because things are a fraction of their regular price, don’t be lured to by items you didn’t need just because they were on sale. Also, be aware of impulse buys! Impulse buys are never a good idea when you are on a budget. Only purchase the items that are essentials for your work or your wardrobe at the moment.

A few other local places that you may try to not only find gently used name brand clothes at a fraction of the cost but you could also sell some of your clothing on consignment. Reducing the amount of clothing that you have by selling some of the things you don’t wear anymore is another thing that will help you make a better budget and give you a better chance at avoiding bankruptcy.

There are many discount and used clothing stores throughout Phoenix metro area and around the valley. The popularity of such stores is growing as the economic downturn endures. Seek out the assistance of a Glendale chapter 13 attorney for additional ideas and ways to better your budget and how you may avoid financial hardships and bankruptcy.

Published By:
The Bornmann Law Group
By
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

Republished From:A Better Budget to Avoid Bankruptcy

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Bankruptcy Lawyers in Glendale, AZ

Few people anticipate that they may one day find themselves in such an overwhelming amount of debt that creditors and the threat of foreclosure become a daily occurrence. However, in today’s economy this has become more of a regularity than a rarity for many financially strapped individuals. The downturn in the economy has shed light on the fact that bankruptcy is not the negative alternative to depressing amounts of debt that it was once believed to be. In fact, bankruptcy offers financially floundering individuals with a way to systematically end their financial woes.

Glendale Bankruptcy Lawyers, AZ

Call (623) 640-4945 for a FREE Consultation

Contrary to the social stigma that was once placed on the idea of filing for bankruptcy, the act is now viewed as a viable solution for ending a person’s debt. With the help of a legal professional in the area of bankruptcy law,  like the dedicated Glendale bankruptcy attorneys at the Bornmann Law Group, PLLC, individuals are able to pick themselves back up from their deep debt and find their way to the relief that life after bankruptcy has to offer.

While bankruptcy is not for everyone, many individuals and families in Glendale, Arizona find that filing for bankruptcy in Glendale solves the problems that they have been unable to resolve. Our Glendale bankruptcy law firm will sit down with you to discuss your personal financial situation in a free initial consultation.  Our Glendale bankruptcy attorneys will answer any questions that you might have regarding bankruptcy and advise you as to your options.

Glendale, Arizona Bankruptcy Attorneys

Glendale, Arizona bankruptcy attorneys can assist you with debt relief in Glendale, Arizona.  Most people file bankruptcy due to one or a combination of things like:  loss of employment, divorce, unexpected medical expenses, the failure of a business, an accident leading to serious injuries, increased interest rates, or a foreclosure. Most of the time, the need to file bankruptcy does not arise from irresponsibility but simply from the unexpected, which is unfortunately a part of life. There is nothing wrong with experiencing relief through filing for chapter 7 or chapter 13 bankruptcy.  The bankruptcy laws were created to help hardworking people in Glendale, AZ,  just like you get out of debt. If you are facing the consequences of unexpected financial crisis, please contact our low cost Glendale bankruptcy attorneys at the Bornmann Law Group, PLLC.  Our lawyers will assist you and work diligently to get you a “fresh start”.

Bankruptcy Lawyers in Glendale

The Benefits of Bankruptcy

This site also contains a great deal of helpful bankruptcy information about topics related to our debt relief services.  Some of the debt relief services offered by our Glendale bankruptcy law firm include:  Chapter 7 bankruptcy, Chapter 13 bankruptcy, Wage Garnishments, Repossessions, the bankruptcy means test, common bankruptcy myths, how to face life after bankruptcy, what the automatic stay does, how to address creditor harassment, foreclosure defense, and a complete bankruptcy time-line.  If you don’t find the answer to your bankruptcy questions here, please do not hesitate to contact our Glendale bankruptcy lawyers for additional debt relief help and answers.

Do you need legal help with a bankruptcy? Contact Glendale Bankruptcy Lawyers at the Bornmann Law Group, PLLC for a free initial consultation today!