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It is not too late to make New Year resolutions for your financial future Atlanta, GA

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It is not too late to make New Year resolutions for your financial future

If you have failed to keep your past financial New Year resolutions, give it another shot and resolve to do better in 2013. Each year, most Americans want to do better at managing their money but fail to take the steps necessary to do so. Many are so overwhelmed at the thought of fixing all their financial troubles that they are confused about which steps to take first.

It is never too late to establish financial goals for yourself this year. Start by setting one manageable goal this month and another later in the year instead of trying to change the way you live and spend your money all at one time.

Decrease debt

If your goal is to get your debt under control, you may wish to start doing one or more of the following:

  • Use cash or a debit card for purchases in order to stop spending what you do not already possess
  • Make a payment plan to pay off your credit cards – paying only the minimum monthly payments costs you more in the long run
  • Check your credit card bills monthly for accuracy – identify theft is on the rise and simple mistakes are common, adding to your debt load
  • Pay all your bills on time to avoid late fees and penalties

Increase savings

If you are trying to save money this year, try one of these tips:

  • Set up an automatic savings plan that puts a small portion of each paycheck directly into your saving account
  • Set a savings goal for yourself and break it down into manageable weekly or monthly steps
  • Clearly identify what you will use the savings for – travel, new clothes, college fund for a child – and remind yourself of your goal frequently to help keep yourself motivated

Take control

You may want to create new habits as you take control of your finances, such as:

  • Scrutinize a copy of your credit report on an annual basis to check for errors and see that your credit score is moving in the right direction
  • Have a set time each week or every other week to pay your bills and check that you have enough, or will have enough, on hand to pay next month’s bills
  • Each month, analyze how you spend your money to determine where you can cut spending

When resolve is not enough

Sometimes circumstances are beyond your control. The loss of a job, an illness or an unexpected and costly event can put you in a financial situation from which you cannot easily recover. If you are retired, inflation may be outpacing your fixed income.

You are not alone if you are struggling to pay your debts. Over a million people file for personal bankruptcy each year in the U.S. and, for many, bankruptcy allows them to have a fresh financial start.

If you are worried about your debt, it is a good idea to talk with an experienced Georgia bankruptcy attorney. A lawyer can evaluate your situation to help you determine what debt management solutions are best for you.

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    Our Client Reviews

    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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