Joel Greenberg
Joel Greenberg
almost budget checked decent developing earning fairly found left money month powerful spending women
Developing a budget is one of the most powerful tools. One woman, earning a fairly decent salary, was left with almost nothing at the end of every week. When she checked her expenses, she found she was spending $600 a month on clothing. Most people, in fact, don't know where their money is going.
break creditors debt handle helped management people programs
If creditors handle this appropriately, there could be more people helped with debt management programs - but they will need that break on principal,
agency bankruptcy bar brought check debt ethical individual lawyer local perhaps refer true
That's not true of ethical agencies. Any ethical agency will check what brought an individual into debt and perhaps refer that person to a bankruptcy lawyer or to a local bar association.
break loan
They're like loan sharks, but they don't break legs.
harm
will harm a lot of individuals who need a new start.