Do I Need Help?

IF YOU ARE BEHIND ON YOUR MORTGAGE PAYMENTS OR YOUR PAYROLL CHECK OR BANK ACCOUNT IS BEING GARNISHED, SKIP THIS PAGE AND GO TO 'WHAT SHOULD I BRING WITH ME?" I NEED TO SEE YOU NOW.

Find a quiet time to sit down with paper and pencil. You and I will decide if you need my help. We are going to spend next month's income right now. This just takes a few minutes!

A. Estimate the net monthly income of your household from all sources: your income, your spouse's income, child support, disability, etc. Use your check stubs or check book to determine this amount. Estimate your monthly income.

B. Next, estimate your household's average monthly living expenses:

1. Housing (mortgage or rental) payment (does your mortgage payment include insurance and property tax?).

2. Utilities: electric, gas, water, telephone, cell phone, cable, internet.

3. Transportation: car payment(s), car insurance, gas expense, maintenance and repairs.

4. Household: food, clothing, laundry, dry cleaning, entertainment (recreation, clubs, newspaper, magazines) and medical (including dental) expenses.

5. Miscellaneous: everyone's different. Include anything left off above.

Is your income greater than your expenses? If you have money left over, congratulations! Go to Do I Have Other Options?

If you have no money left over, call my office at 615-321-8787.