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    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
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    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
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    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

Cost Of Living On The Rise

Cost of living on the riseIf you’ve been in the market for a home or apartment, you may have noticed that prices are on the rise. The Modesto Bee published an article the other day noting that the average apartment in the Modesto area is running $1159 per month. Contrast this with $788 per month in 2013. This trend holds true for most of the Central Valley because of an influx of people moving out from the Bay Area. Sacramento renters, for example, are paying an average of $1,298 a month.

Cost of Living on The Rise

Rent isn’t the only thing going up in price. Gas prices have been on the rise for a while now, and utility bills will likely go up for customers of major utility companies because of competition from local suppliers.

How to Cut Costs?

There are some common-sense things you can do to help take the edge off the rise in cost of living.

  • Do a budget. This is huge step towards financial peace. Plan where your money is going before you spend it and you won’t be caught off guard by expenses.
  • Stop eating out. A cup of Starbucks on the way to work and a burger at lunch everyday will easily run you a few thousand dollars a year. That’s two or three months’ rent.
  • Spend more time outside. The less time you spend inside means you don’t have to run your AC as often which can really cut down on your utility bill. You might find that you can cancel things like cable and Netflix if you spend your evenings enjoying the outdoors. Plus, outdoor activities tend to be better for your health which reduces your medical expenses in the long-run.
  • Look into a new utility company. As noted early, local energy suppliers have been taking a lot of customers from larger utilities like PG&E. So maybe see if there is another energy option in your area.

While these tips can go a long way toward saving money, the rise in cost of living can be unmanageable if you have excessive debt. If you’re having difficulty making ends meet because of debt, give our office a call for a free consultation. Our team of Modesto bankruptcy attorneys has helped hundreds of families get back on the right financial track.

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