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Home > Ask The Get Out of Debt Experts > We Can’t Seem to Make Ends Meet and Save. Is Bankruptcy Right For Us? – Matt & Patti

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Steve Rhode

    Matt,

    How have you been tracking your expenses? Are you tracking where all your money goes, even your cash?

    If your budget does not allow you to meet your expenses and put at least $500 a month in your emergency fund, then go talk to a bankruptcy attorney. Talking to the attorney does not mean you are filing, it means you are wisely researching your options.

    How much are you saving currently each month?

  • Mattispele

    FYI – Lending Club turned me down as I could only apply with my income and not our household income. I have contacted a lawyer and am waiting to hear back. My budget has been tracked for the last 6 mos. so I am positive of where our money is being spent. Private school is our only option as the public schools here are just that – public schools and the district is very sub par and both of our kids are bright. I do appreciate the quick reply as we have been mulling and researching our options for a few months now and cannot seem to come up with anything that will say/indicate that such and such is the best way to go.

    Matt & Patti

  • Mattispele

    FYI – Lending Club turned me down as I could only apply with my income and not our household income. I have contacted a lawyer and am waiting to hear back. My budget has been tracked for the last 6 mos. so I am positive of where our money is being spent. Private school is our only option as the public schools here are just that – public schools and the district is very sub par and both of our kids are bright. I do appreciate the quick reply as we have been mulling and researching our options for a few months now and cannot seem to come up with anything that will say/indicate that such and such is the best way to go.

    Matt & Patti

    • http://GetOutOfDebt.org Steve Rhode

      Matt,

      How have you been tracking your expenses? Are you tracking where all your money goes, even your cash?

      If your budget does not allow you to meet your expenses and put at least $500 a month in your emergency fund, then go talk to a bankruptcy attorney. Talking to the attorney does not mean you are filing, it means you are wisely researching your options.

      How much are you saving currently each month?

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