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Happy New Year! Time to Take a Fresh Look at Your Budget
Happy New Year from Lee Legal! Right now is the time to take a hard look at your budget.
On January 1, all of your personal financial numbers are zero. Your year-to-date income, fixed expenses, and discretionary spending are all zero.
Now is the perfect time to make any changes to your budget for the New Year.
Maximize your earning potential. Eliminate any wasteful consumption. Minimize your costliest liabilities.
Usually, you can’t change your “fixed expenses,” such as housing or vehicle payments. Sometimes, with a few tweaks, however, you can decrease your “variable” expenses, like utility payments, including electricity, gas, cable and internet, and mobile phone service.
The easiest or most difficult expenses to change (depending upon how you look at it) are your “discretionary” expenses. These expenses include gifts, eating out at restaurants, going to the theater, taking vacations, or ordering movies On Demand. Experiences like these are what make life worth living. But if you were able to save the money or apply it to your debt load, would it be worth it to say that this was the year you finally conquered your debt?
And speaking of achievements, why not set a few new goals for the New Year? Like paying off that credit card debt in full. Or setting aside a rainy-day fund in case of an emergency. Or jump-starting your retirement fund by maxing out your 401(k) or IRA withholding. Or making a serious dent in your student loans. Set a goal for yourself and try to get it done.
And now is the time to do it, on January 1st. Just thinking about adjusting your budget won’t do the job. You have to take action to make it happen.
Happy New Year from Lee Legal!
We want to see you succeed. Our firm frequently reconnects with clients whose budgets we have helped turn around. Your success is our success. If we can help you, let us know!
They Called. They're Glad They Did.
Brian Lee from Lee Legal was an amazing attorney to work with. He took his time, reviewed my documents and we discussed my situation thoroughly. He explained the process and my options as well as gave his recommendation. Not only did he assist, but he ensured that I knew this...
I was very nervous and scared about going through this process. But Brian was very knowledgeable and helped me through it. I was notified about any and all updates to my case and he was very responsive when I had questions regarding any concerns I had. Although a bit nerve...
Brian provided me with a very detailed analysis about my potential case after our first consultation. He promptly responded to all my complex questions, especially navigating student loans and some tax discussions. He is very professional and experienced at what he does, I would...
I've had the pleasure of working alongside Brian V. Lee for several years, and I can say without hesitation that he is one of the most knowledgeable bankruptcy attorneys in the DMV area. Brian's command of Chapter 7, 11, and 13 practice is exceptional, and his clients in the DC...
Brian has the amazing talent of taking complicated legal matters and distilling them down to seamless, frictionless resolutions. He is a phenomenal problem solver and a trusted advisor.
Brian is both warm and professional. He helped me navigate a financial issue that I had not been looking forward to working on and he made the entire experience non-stressful, receiving a lot of anxiety I had around the matter. He is straight forward and a fantastic problem...
I had the opportunity to work with Brian at a time when I was challenged by a professional setback and forced with the challenge of making some very difficult legal decisions. Additionally, I worked with him again as I was dealing with some financial issues pertaining to my...
Still several years from Public Service Student Loan Forgiveness and saddled with significant student loan payments in proportion to my income, I came to Lee Legal to explore the bankruptcy path. Through his counsel, Brian took the fear out of the process and helped me to...
