Successful people file for BANKRUPTCY because they understand the brilliance of the BANKRUPTCY CODE. Here it is in a nutshell: 1. AUTOMATIC STAY.The minute you file all collections, foreclosures and garnishments stop. 2. EXEMPTIONS. The federal exemption allowances allow you to keep all of your property and your 401k (up to $1,000,000 – yes, that’s…

Budgeting is the key to success in life. You don’t need to buy a book or go to a Dave Ramsey show. All you need to do is google “simple budget.” It’s a free spreadsheet that will help you get started with budgeting. I am in shock at the number of people who have no…

Maybe. This past week I sat through a session with a couple who left feeling offended at the truth of their situation. We went through their budget and they could not afford their life style.  Just remember – the numbers don’t lie. If you can’t afford your house in the neighborhood of your dreams than…