It's an unfortunate sign of the crazy times we're living through: bankruptcy filings are at an all-time high due to massive job losses and people overextending themselves on mortgages they simply could not afford. Practicing smart and wise money handling techniques, however, will go a long way toward preventing bankruptcy. Here are some hints on how to do it.
- Only spend cash: If you're still using credit cards, cut them up and cut them up NOW! Most people who file for bankruptcy started on their road to financial ruin through the use of these tempting little pieces of plastic. Even debit cards can be dangerous! Many folks simply set aside cash in separate envelopes marked for rent, groceries, entertainment, clothes, etc. They can use only the money set aside in those envelopes and nothing else: it's a great technique for keeping impulse spending under control.
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- Resist "gotta have it now" syndrome: If you really can't afford to buy something, then don't! Keeping up with the Joneses and having the very best of everything or the newest hot car to hit the market is not worth the financial pain and agony later.
- Make a plan: If you develop a concrete financial road map not just for now but for your retirement years, you're less likely to deviate from it by making unwise choices and decisions. Be honest with yourself: make an assessment of your income, your necessary expenditures, how much you'd like to save, etc.
If you fall behind, get help. No one likes the idea of filing for bankruptcy, so it's best to get help with paying your bills as soon as you get into trouble. If bankruptcy is your best option after all, make sure to hire a reputable lawyer to handle it for you.
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