Mesa Bankruptcy Law Office
My AZ Lawyers
1731 W. Baseline Rd.
Mesa, AZ 85202
Phoenix Bankruptcy Law Office
668 North 44th Street, Suite #300
Phoenix, AZ 85008
Glendale Bankruptcy Law Office
My AZ Lawyers
20325 N. 51st Ave.
Glendale, AZ 85308
Tucson Bankruptcy Law Office
My AZ Lawyers
2 East Congress St. Ste. 900
Tucson, AZ 85701
A Better Budget to Avoid 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 Arizona 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 – http://www.marshallsonline.com
- Ross – http://www.rossstores.com
- TJ Maxx – http://www.tjmaxx.com
- Norstrom Rack – http://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 Mesa debt relief expert for additional ideas and ways to better your budget and how you may avoid financial hardships and bankruptcy.
Arkansas Football Faces More Distractions
Coach John L. Smith to File Bankruptcy
The Arkansas Razorbacks will have more to worry about this year besides Southeast Conference Rivals Alabama and LSU this year. Fresh off of the Bobby Petrino scandal, the news come out today that current Arkansas Razorback’s football coach John L. Smith is having to file for bankruptcy protection to alleviate a mounting poor financial situation. Smith told The Associated Press that he is making plans to declare bankruptcy, perhaps during the upcoming Razorback football season.
Smith, a former coach at Michigan State and Louisville, was hired in April 2012 to replace Bobby Petrino. Bobby Petrino gave Arkansas football a black eye with his mistress scandal in April. Petrino was fired after revelations that he had hired his mistress to a position in the Arkansas Razorbacks football department, plus, the married Petrino had given her $20,000 in gifts. More about the Bobby Petrino scandal.
John L. Smith always believed real estate development was the safest investment of all, saying “you may not make money, but you won’t lose money.” The Arkansas coach has had to rethink that philosophy in recent years after several of his land deals went bust in Kentucky. The series of bad business investments has left Smith facing the real possibility of declaring bankruptcy to get a “fresh start”. Smith wasn’t sure exactly how much money he owed to creditors, including some of his former partners, but he has started preparing to declare bankruptcy now. He wasn’t 100 percent certain he’ll have to declare, but said “that’s where I am proceeding to get my plate cleaned up.” There are several forms of debt relief available to people facing a financial crisis. Filing bankruptcy is one of the many debt relief forms available to individuals in financial need.
When people are considering filing bankruptcy, there is a definite stigmata that goes with filing bankruptcy. The pressure multiplies when you are a public figure. John L. Smith is no exception as he has been affected by his current situation. Smith said, “There have been some sleepless nights trying to get this resolved,” and Smith said, “There comes a point in time where you say ‘Enough is enough,’ and I want it cleaned up and whatever we have to do, we have to do.” Sounds like Smith is in the right mind-frame and is aggressively seeking out a solution to his financial woes.
Hopefully Smith can get his bankruptcy filed and move on to earning his $850K salary by leading the Razorbacks to another winning season. Off field distractions are usually never good for a team to endure. Usually it is the players providing the cause for concern but in the case of the 2012 Razorbacks its a former and current coach keeping the Razorback program in the news.
Best Mesa Bankruptcy Attorney
Bankruptcy Attorneys in Mesa, Arizona
On behalf of the My AZ Lawyers, PLLC. Posted in Mesa Bankruptcy on Sunday, April 29, 2012.
Our Mesa bankruptcy attorneys are here to help you learn about the process of filing bankruptcy in Mesa, Arizona. How does our affordable Mesa and Gilbert bankruptcy law firm offer you some of the lowest bankruptcy fees in all of Arizona along with a no obligation, free bankruptcy consultation? That is a good question! Those are some of the same questions that you should be asking of other Mesa bankruptcy law firms when you are seeking the best bankruptcy attorney in Mesa.
In today’s economic upheaval in Scottsdale, Mesa, and Phoenix, Arizona, many hardworking, honest individuals, businesses,and families are being overwhelmed by financial worries, garnishments, repossession, and foreclosure problems. Many are losing their cars, their homes, and their life savings. These hardworking individuals need sound legal advice, prompt debt relief, and the chance at a “Fresh Start”. Our Mesa Bankruptcy Attorneys can provide the help that they need.
Our experienced Mesa bankruptcy attorneys provide our clients, both large and small, with the highest quality debt relief representation and bankruptcy help. Our Mesa bankruptcy law firm offers the customer service typically only associated with larger bankruptcy firms, but with the personal service, attention and responsiveness of a smaller firm. This another quality you should seek out when searching for the best Mesa bankruptcy attorney.
Mesa, Arizona is the 3rd largest city in Arizona behind Phoenix and Tucson. Mesa is the 38th largest city in the United States making bankruptcy attorneys in this Maricopa County city a necessity. There are also several quality options when looking for the best bankruptcy attorney in Mesa. Find a Mesa bankruptcy attorney who you feel comfortable and who has the time to give you the one on one care and representation that you deserve. Due to the current state of Mesa’s economy, many of Mesa’s 442,445 people and Mesa’s 146,643 households are finding it hard to make ends meet and could use some form of debt relief.
There are many choices when deciding on who is the right bankruptcy attorney for you in Mesa, Arizona. There are also many reasons that you may have for seeking out the assistance of a Mesa bankruptcy attorney. If any of the following circumstances apply to your current situation. You should consider contact a Mesa bankruptcy attorney today.
Reasons to Consider Bankruptcy
- Facing foreclosure or eviction
- Just making minimum monthly payments
- Maxed out your credit cards
- Behind on utility payments or utilities have been shut off.
- Creditors are harassing you at home and work.
- Recently lost your job or had a reduction in hours
- One or more of your vehicles has been repossessed
- You have multiple payday loans.
- Worried about your family’s financial security
- Behind on your mortgage
- Unable to keep up with the first and second mortgage payments
- Using one credit card to pay another
- You have “bounced” one or more checks recently. (NSF checks)
- Need an opportunity to get your financial affairs back in order
If you are searching for the best Mesa bankruptcy attorney, please contact our Mesa bankruptcy law firm and see how we can help you through your current financial situation. We offer FREE bankruptcy consultations daily as well as evening and weekend appointments. Our prices are some of the most affordable in all of Arizona, plus, we have payment plans for every budget. Contact our Mesa bankruptcy attorneys today. We look forward for the opportunity to assist you.
The My AZ Lawyers, PLLC, 1731 West Baseline Rd., Suite #101, Mesa, Arizona 85202. 480-263-1699.