• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

The Envelope System

The envelope system is a budgeting system that helps people visualize, plan, and monitor their spending habits. Many financial planners and advisers recommend starting your envelope system by using only cash.

Keep Track of Spending

Swiping a debit or credit card makes it all too easy to lose track of your purchases and spending habits. Using tangible cash that you can hold and feel in your hand encourages the spender to think about whether or not they actually want to turn that money over to someone else and let it go.

Cash Envelopes for Payments

Mindless swiping makes the money appear imaginary and less real.
Create separate envelopes for the different categories of spending that you need to plan for. Some examples of the envelopes include:

  • Rent/Mortgage
  • Utilities
  • Groceries and supplies
  • Vehicle payments
  • Gas and vehicle maintenance
  • Children’s expenses and activities
  • Clothing
  • Personal care expenses
  • Insurance payments
  • Medical expenses
  • Entertainment

Fill each envelope with the appropriate amount of cash for your budget and expenses. The remaining cash leftover can be divided between payments towards creditors and savings. Once you have spent the allotted amount for that envelope, you can no longer spend in that category until the following month.

This method helps with personal discipline and creating an awareness of one’s habits. For more assistance with your fresh start, contact your Stockton bankruptcy attorney.

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