How to adjust your lifestyle after filing bankruptcy?

Unfortunately, my mother is in the process of filing bankruptcy. Now my question to all of you is, how do we adjust our life without credit cards? Also, in the midst of all this, how should she start saving money for retirement? Any helpful tips will be greatly appreciated. How to adjust your lifestyle after filing bankruptcy?unfortunately you have listened to the band -- now it is time to pay up -- well you are about to join the ranks of paying cash up front or not getting the item --- same you may have a problem getting a checking account so you will have to pay more (money orders) just to pay bills!!! hate to also say since you mother is chances are in her mid forties so it is going to be hard to play catch up on retirement -- she might want to plan on working into her late sixties!!!How to adjust your lifestyle after filing bankruptcy?You work from cash or a savings account if you can't get a checking account. Forget having a debit card as it would be trouble.



When money comes in, it gets earmarked for essentials first. So much goes in the rent or mortgage envelope, so much for food, so much for utilities, etc.



Some things go away for now. Cell phones are luxuries. Have a pre-paid one if there is an essential reason but there probably isn't. No high-speed internet access. Cable TV may have to go.



Shop carefully for groceries and plan meals from simple ingredients, not packaged ones.



Be sure there is an envelope for savings. At least 5% of each income check goes into it.



Now when you have saved enough, you can have a luxury item. It's like eating your spinach before your dessert. It leaves a sweet taste in your mouth after the meal is over.How to adjust your lifestyle after filing bankruptcy?you shoud get a Asus 7%26quot; EEE PC Linux laptop it is the chepest you can get and then do a PTC(paid to click) program you will start making money