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  • 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.
    --Donna
  • 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.
    --David
  • 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.
    --Anonymous
  • 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.
    --Anonymous
  • 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.
    --Joanna
  • 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.
    --Danielle

Control Your Finances In 2017

Control Your Finances In 2017If you are like many Americans you are probably just barely keeping your head about water paying your bills and debts. With a lack of savings and the fact that most people don’t even report having an actual budget for their expenses each month, it is time to make a change. Control your finances in 2017 and put yourself – not your debts- in driver’s seat.

Control Your Finances In 2017

Simple Strategies

The most important debt management strategy is to put pen to paper. Sit down and outline your income and your expenses to get a clear and precise picture of what your finances looks like. Prepare this spreadsheet before January 1st and use the next month to write down every penny you spent. By the end of January you will begin to see exactly where your money is going. Chances are you’ll be surprised by how quickly that $2 cup of coffee and that $5 snack you bought on a whim add up and where you can cut back in the next step.

The next step is to develop a budget. Before February 1st, examine your expenses from January and develop categories. Categories such as :

  • Savings account
  • Housing (mortgage/rent)
  • Utilities
  • Groceries
  • Gas
  • Debt (credit cards, student loans etc)
  • Insurance (home and auto)
  • Repairs (home and auto)
  • Medical (premium, copays, prescriptions)
  • Child care
  • Clothing
  • Entertainment (movies, dining out etc)
  • Miscellaneous

Set a budget for each category to determine the maximum amount you can afford to allocate to each category. Your bank likely has a budgeting tool in their online banking system. There are other sites like mint.com that can link to your account and even send you alerts when you are getting close to exceeding a budget limit.

In March, make a commitment to really watch your account and how your  budget categories fill up. If you find yourself nearing the limit, cut back. Give yourself a few months of taking an active role in your cash flow and you’d be surprised how quickly you can start increasing your  budget for savings, building your safety net bigger each month.

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