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How Georgians can start 2012 on the right financial foot Atlanta, GA

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How Georgians can start 2012 on the right financial foot

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When you made your new year’s resolutions, was “pay off my debt” or “save more money” anywhere on your list? If you’re like most Georgia residents, getting a better handle on your finances is on your to-do list for the coming year. Whether you have debt to pay or you are simply looking to save more, here are a few tips for making 2012 your best financial year.

If you want to pay off your debt, you should start by making a budget. Look at what you spend on food, housing and other necessities, and what you spend on extras. This will help you to identify and eliminate nonessentials, and funnel that money toward your debt.

Second, you should try to negotiate a lower interest rate on your credit cards and other bills. Many people are not aware that credit card companies are willing to lower your rates if you just call and ask. This will depend on your credit score and payment history, but in general, credit card companies don’t want to lose you as a customer so they may be willing to work with you.

Third, come up with a plan to tier your debts. If you are paying off multiple credit cards, pay the most on the card with the highest interest rate first. When that one is paid off, add that monthly payment amount to the card with the next lowest interest rate, and continue this until all of your cards are paid off. This will ensure that you are putting more toward principal and less toward interest.

If you do not have significant outstanding debt but want to save more money, you should also make calls to your bill vendors and ask for better rates. In addition, this may be a good time to increase your 401(k) contribution.

Source: Atlanta Journal-Constitution, “It’s not too late to cut, save,” Lauren Davidson, Jan. 2, 2012

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

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Gingold & Gingold LLC
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!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

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.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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