A Better Budget to Avoid Bankruptcy
The Bornmann Law Group
By Evan Bornmann
1731 W. Baseline Road, Suite 100
Mesa, Arizona 85202
(480) 263-1699

Be Fiscally Conservative By Spending Less on Your Clothing
There are many different ways to avoid having to file for bankruptcy. You may be told to sell some of
your things to pay bills, negotiate with creditors, or to restructure your life. Perhaps something as easy as
formulating a better budget is an easy way to avoid having to file for Arizona bankruptcy. One of the ways
that you could consider to tighten your budget is to reduce the money that you spend on clothes. Sure, it
may be easy to just not buy any new clothes, shoes, or garments. However, some jobs require that you
have up to date, fashionable clothing. Other jobs require a uniform or clothes and shoes to perform the job.
Sometimes the clothes do make the man (or woman). Sometimes clothing and shoes are a necessity.
Using some creative money strategies may allow you to reduce the amount of money that you have to
spend in this aspect of your life. Reducing resources spent on clothes and shoes will allow monies to go
towards satisfying the many debts that have been looming over your head. Remember, this budget and
reduction has to be done by you as there is no way that those shoes you have had your eyes on at the mall
are just going to (all of a sudden) become affordable. Even some of the sales rack items are still going to
be more than you are willing to pay.
By looking for your clothes and shopping in different places, you won't have to sacrifice your love for
style even though you are sacrificing some of your clothing budget. Not overspending for clothes is the
key to reducing your clothing budget. First of all, you should shop with cash only. Though this may seem
old-fashioned, when you limit yourself to shopping with cash for clothing, you will limit the temptation to
overspend on a credit card. It’s too easy to swipe that little plastic card in exchange for that new dress or
shirt that you have been wanting. When you use only cash for your clothing purchases, if you do not have
the money then you can’t spend it. Cutting back on your credit card use is a bonus. Plus, it is never fun to
pay for items that you bought months ago.
Republished By : A Better Budget to Avoid Bankruptcy
The Bornmann Law Group | 1731 W. Baseline Rd. Suite 100 Mesa, AZ 85202 | 480-263-1699 | http://bankruptcy-az.

Many times some of the best deals can be found outside of the mall. Online shopping can be a great source
of bargains. However, when you shop online the instant gratification of wearing your purchase is not
fulfilled. There are many discount chains that offer you the same quality, name-brand clothing and shoes
at a fraction of the cost.
4 best places that you can shop on a budget in Arizona
● Marshalls - http://www.marshallsonline.com
● Ross - http://www.rossstores.com
● TJ Maxx - http://www.tjmaxx.com
● Norstrom Rack - http://shop.nordstrom.com/c/nordstrom-rack
Great stores like those above are stores that you may find brand name clothing that was originally put in
the department store but then was removed because of a surplus. The items found in these stores are great-
quality clothing and shoes, but are sold at the discount stores for a fraction of the price. Hitting the sales
racks at the discount stores will garner you even better deals. However, just because things are a fraction
of their regular price, do not be lured to buy items you did not need just because they were on sale. Also,
be aware of impulse buys! Impulse buys are never a good idea when you are on a budget. Only purchase
the items that are essentials for your work or your wardrobe at the moment.
A few other local places that you may try to not only find gently used name brand clothes at a fraction of
the cost but you could also sell some of your clothing on consignment. Reducing the amount of clothing
that you have by selling some of the things you don't wear anymore is another thing that will help you
make a better budget and give you a better chance at avoiding bankruptcy.
There are many discount and used clothing stores throughout Phoenix metro area and around the valley.
The popularity of such stores is growing as the economic downturn endures. Seek out the assistance of a
Mesa debt relief expert for additional ideas and ways to better your budget and how you may avoid
financial hardships and bankruptcy.
Republished By : A Better Budget to Avoid Bankruptcy
The Bornmann Law Group | 1731 W. Baseline Rd. Suite 100 Mesa, AZ 85202 | 480-263-1699 | http://bankruptcy-az.com/