Everyone before, in or after Bankruptcy needs to have a budget. Bankruptcy aside, budgets are critical to success.
Especially, unnecessary spending for debtors must be re-evaluated constantly. Discretionary spending must be reasonable. As a bankruptcy attorney, I must continue to remind my clients to look at all their budgets and spending. Yes, even Valentine’s Day spending.
During a recent bankruptcy case, I read the following and thought you may find it interesting:
Budgeting and Discretionary Spending
Nationwide spending on valentine’s gifts. Even with the current state of affairs in the country, spending on Valentine’s day gifts are expected to rise.
Before you bring or send roses and spend more than you have to, read this:
Meaning of the number of roses sent:
1 Rose = Love at first sight, or years later “you are still the one”.
9 Roses = A big jump up from six, nine roses symbolize eternal love or “I want to be with you forever.”
10 Roses = A perfect 10 means “You are perfection.”
12 roses = A dozen is like picking the best heart from a Sweetheart candy box; it means “be mine.”
13 roses = Thirteen may be a baker’s dozen, but not so in love.
2 dozen = You may be feeling guilty or overdoing it?
One long-stem rose may just do the trick to show how much you love someone. The recipient, if they love you, will not want to add to your spending. A loved one would rather sacrifice the rose and not add to your possible bankruptcy. The recipient would not want you to go over budget and be a contributor of your bankruptcy.
Remember even small expenses outside your budget can contribute to bankruptcy.
However, if you are falling behind in your mortgage payments or cannot meet your monthly expenses, call me for a free consultation.
I am here to offer you bankruptcy protection. We can go through your budget, spending, income, expenses and determine if bankruptcy is right for you.
Call me today. Bankruptcy Consultation | NJ Bankruptcy Law Firm