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9009 West Loop South, Seventh Floor, Houston Texas
1-866-889-9347 |
CCCS of San Diego
A Division of Money Management International |
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Regional Headquarters - 2650 Camino del Rio North, Suite 209, San Diego California |
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San Diego Financial Planning |
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For residents in San Diego, financial planning involves knowing how to prevent bankruptcy. Bankruptcy is undesirable for many reasons. As part of your San Diego financial planning, remember that a notation that you filed for bankruptcy will remain on your credit report for 7 to 10 years, depending on the chapter you file. The most obvious ramification of filing bankruptcy is the difficulty you may have obtaining any type of new loan. And, if you are able to obtain new credit, it may be hard to find a loan with affordable repayment terms. Bankruptcy can also affect your ability to rent an apartment, obtain affordable insurance and obtain some types of employment. Finally, filing for bankruptcy is time consuming and emotionally draining. So, learn how to prevent bankruptcy by seeking the counsel of Consumer Credit Counseling Services of San Diego financial planning.
As part of San Diego financial planning, prevent bankruptcy by arming yourself with strong financial knowledge that will allow you to make smart decisions. Make sure that your decisions are unique from you neighbor's or friend's. Start by taking a close look at your personal economy. Here are a few San Diego financial planning guidelines to help you analyze your situation:
- No more than 20 percent of your take home (net) pay should be going toward debt payments (other than your mortgage). In other words, if you bring home $2,000 per month, a maximum of $400 should be allocated for credit card payments, car payments, and student loans. Contact CCCS of San Diego for financial planning help.
- At least 10 percent of your net income should go towards savings, investments and to cover emergency expenses. For example, if your net income is $2,000 per month, you should be saving at least $200. Contact CCCS of San Diego for financial planning help.
- A maximum of 70 percent of your net pay should go towards living expenses. These expenses are for such items as house payment, food, utilities, etc. With a net income of $2,000 per month, you should limit living expenses to $1,400. Contact CCCS of San Diego for financial planning help.
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CCCS, A Division of Money Management International
Regional Headquarters - 2650 Camino del Rio North, Suite 209, San Diego California
Corporate Address - 9009 West Loop South, Seventh Floor, Houston, TX 77096
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