Covid-19 Notice: Bankruptcy cases can be handled by phone and video chat.
Budgeting
Budgeting Sucks (at first)
For most of my clients, money and budgeting are stress bombs. No wonder. very few of us are taught budgeting, either by parents or by our schools. So, we're dropped into adulthood, into college or our first jobs with a "Good luck!" and a whole lot of responsibilities.
If we had a ton of money to play with, most of us would figure things out on our own, but we don't, so it's easy to make small mistakes that have a ripple effect on our finances. When inevitable bad luck happens, that ripple can become a tidal wave.
Most of my clients come to me feeling embarrassed or ashamed of the mess their finances are in, but when I look at the finances, I just see life happening and a years long effort to throw small piles of money against a growing mountain of bills.
But after bankruptcy is a great time to face the stress and fear and become one of those insufferable people who has their finances all figured out!
Resources
Don't forget to check your local library!