It seems like everyone makes resolutions to improve their finances in the New Year, but it makes a lot more sense to get a head start. You can reduce holiday stress if you adopt the attitude that being disciplined about your finances is an ongoing process and not a cold turkey diet that begins X days in the future. Do not expect yourself to avoid all discretionary spending. Instead, accept that your debt problems are not primarily the result of your own excesses but rather that you have gotten stuck with unfair debts. By confronting your debts before the holidays, you are effectively looking the Grinch in the eye and telling him that he cannot ruin Christmas. By tackling your unpayable debts now and making small changes to your habits, you can have a more relaxing holiday season. To find out more about settling or discharging your unpayable debts, contact an Oakland lawsuits, collections, and creditor harassment lawyer.
Beat the New Year’s Rush for Debt Consolidation Loans
We have all heard that you should pay down your debts by making more than just the minimum payments and that, to free up funds for this, you should increase your income and decrease your expenses, but if you are looking for debt relief advice, you are probably already doing those things. To get rid of debts that, at the current rate of repayment, will follow you around for the rest of your life, you must file for bankruptcy, consolidate your debts, or settle your debts directly with the creditors. During the holiday season, while everyone else is swiping their credit cards now and not planning on surveying the damage until January, you should look for debt consolidation loans with competitive interest rates.
Focus on Gratitude by Decluttering
Personal finance experts often recommend decluttering, but you should not expect to get a windfall by reselling your clutter. Decluttering is still good for your finances, though, especially ahead of the holidays. You will find all kinds of items you forgot you had, and you can start using them again instead of buying new ones. That long-forgotten cupcake tray could be the impetus for serving homemade cupcakes to your holiday guests instead of dropping lots of money for store-bought ones. Besides, by getting rid of unwanted stuff, you free up counter space that enables you to work on projects you have been procrastinating.
Stay Out of Trouble With Holiday Season Freelance Work
An excellent financial habit is to spend time on activities that do not involve spending money. Decluttering is great, but seasonal work is better. If you have neat handwriting, address the holiday cards that a company is sending to its customers. If you are strong and can withstand the cold, work at a Christmas tree store. Even better, do online gigs from home so that you can stay off the roads during the time of year when there is the greatest number of drunk drivers.
Contact the Law Office of Melanie Tavare About Pursuing Your New Year’s Resolutions in the Old Year
A debt relief lawyer can help you if debts are casting a shadow over your holiday cheer. Contact the Law Office of Melanie Tavare in Oakland, California, or call (510)255-4646 for a free case evaluation.
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