If you are looking for bankruptcy advice the bottom line is getting back to realistic and simple living. There are situations, such as car accidents, that are out of people's control. However most bankruptcies come about due to selfish and materialistic values. It's time to put your needs ahead of your wants. I'm not saying that you have to live in a log cabin with no electricity. I just boils down to living simple and modest that's within your means. Ironically many remark that they find themselves having a happier life. The funny thing is what it comes down to it you don't really need all of the stuff you think you do to be happy. Think of the last time you lost a loved one. Did you really care what was in your bank account at the moment? Of course you didn't. Then why do we put so much value in our stuff?
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The best advice I've ever heard on staying within your financial means stems from feeling fulfilled on a daily basis. This is rooted in three main components. Do something physical everyday, ideally that gets your heart going for at least 15 minutes.
Do something creative like playing piano or guitar if you're a musician, journaling your thoughts at night or just simply decorating your house. Be creative in finding different ways to be creative. God put in your heart the desire to create so put it to use!
Have some sort of meaningful social interaction like a cup of coffee with friends at your local coffee shop. If you are missing any three of these aspects in your daily life you will find yourself feeling unfulfilled. What I've noticed is that this rings true and the result is people eating out at places they can't afford as well as filling this bottomless pit with needless physical items they really don't need. Hence the reality of what you really need to be happy was right there the whole time.
If your facing large financial problems and are not sure if bankruptcy is right for you, your local attorney can help you weigh out the pros and cons. The good news is that consult is almost always free of charge. Just remember if you choose to go down this road to make a commitment to yourself to not wind up in the same position several years from now as statistically most typically do. Most never change their spending habits. The question is will you be one of those who defies the odds?
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