Don’t underestimate your expenses in bankruptcy.

Don’t underestimate your expenses.  Your expenses can be estimated within the limits of realistic planning, in a way that presents your case in a favorable light. The key to completing the expense category correctly is to realize that it is important to look not only at current expenses but also “unmet” needs in order to determine a reasonable budget going forward. For instance, Congress has made it very clear that debtors have the right to maintain or obtain health insurance for themselves and their families. This is a good example of an unmet health insurance expense. In a chapter 7, 

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C is for CASH

Would you like to save a few thousand dollars a year? Practice the following ten financial tips and start saving today. 1. Terminate your landline immediately. Everyone uses a cell phone these days and there is no good reason to keep paying two phone bills every month. Savings: $50.00 / month 2. Change your cell phone plan. Almost every wireless carrier has an unlimited plan that includes unlimited minutes, text and internet for $50.00. Switch today. Savings: $100.00 / month 3. Cut the cable cord. Switch out your Xfinity or Fios plan to a basic digital plan and sign up 

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