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As the cost of living continues to rise, Americans are increasingly relying on credit cards to cover basic expenses like food and gas. This shift in credit card usage has led to growing concerns as the nation’s credit card debt surpassed $1 trillion. It is not only the increased card usage that is a problem, … Continued
Dying without an estate plan is a real-life horror story that many people avoid confronting. The chilling truth is that accidents happen, and a significant number of individuals face the consequences of dying without proper planning. The excuses for neglecting an estate plan vary, from age and childlessness to a reluctance to acknowledge mortality. However, … Continued
October is National Estate Planning Awareness Month. Many people might miss such celebrations, but here at the Tomes Law Firm we honor it because Estate Planning is so important. You do need more than a simple will. An Estate Plan is a set of personalized instructions and documents for handling your life’s affairs if something … Continued
Bankruptcy often does affect your credit score, but let’s face it if you owe debt, it was probably low to begin with. Filing for bankruptcy does provide relief and a fresh start, but it it important to remember it is just a tool to get you that fresh start. That is why at Tomes Law … Continued
Are you looking to boost your savings and achieve your financial goals? One simple and effective way to save money is by setting up automatic transfers from your checking account to a designated savings account. Here’s our Monday Savings Tip: Schedule a recurring transfer to automatically move a portion of your income into your savings … Continued
It is that time of year when kids are heading off to college and seniors are thinking about college. Here are some helpful tips to plan for the future Think About your Expenses: When creating a budget, think about the following costs: Tuition and school fees. The average cost of tuition and school-mandatory fees is … Continued