Stop The Presses: Eggs Still Cost Way Too Much

Eggs have long been a staple in many people’s diets, adding a quick and affordable boost of protein, and even meet the requirements for a vegetarian diet. It used to be that eggs were the portion you could load up on at breakfast, with other treats like bacon being eaten in moderation due to cost. But these days, eggs are almost just as much of a delicacy as continued bird flu cases send their cost sky-high. In Nevada, the cost for a dozen Grade A eggs currently sits at $6.07, which is higher than the national average of $4.95.

With a new (former) president in office, many anticipated that a return to Republican governance would mean a decrease in the price of groceries and other necessities. President Trump has already made changes to our country, issuing hundreds of executive orders in just a few weeks, but groceries still cost more than ever. Some people are bridging the gap by relying on lines of credit, while others live with a strict budget but constantly teeter on the edge of financial disaster. Bankruptcy might not solve all of your financial problems, but it can provide stability and protection until they are resolved. Our Zero Down Bankruptcy firm offers unbeatable service with payment plan options designed to fit any budget. Get started today with your free consultation by phone at 702-370-0155. 

Food Budgeting Tips To Keep Your Grocery Bill Down

  Cooking at home is no longer the low-budget option it used to be. If you want your meal to include fresh produce and a source of protein, your average cost per dish can easily be around $10. In Las Vegas, a singular egg currently costs about 51 cents and contains about 6 grams of protein. The average person needs .36 grams of protein per pound that they weigh- for example, a man who weighs 180 pounds would theoretically need 64.8 grams of protein per day for optimal health. This is 10 eggs per day, which just a year or two ago would have cost less than $2. There are several other nutrients that are crucial to health and wellness, which can result in an astronomical grocery bill when pursuing healthy eating. Some ways to cut back costs at the grocery store include:

• Buying products you know you will use in bulk: It may cost more to buy four of your favorite pasta or go-to deodorant, but it may come out to far less per unit. Some stores, like Costco, specialize in offering more of their customer’s favorite products for less than buying a standard size package. However, big box retailers can also charge membership fees, which might not be worth it if you are shopping for just yourself or a small household. 
• Taking advantage of every sale & discount: Now is not the time to have too much pride to participate in bargain hunting. Your grocery store may have a designated markdown section. If you are shopping for meals you intend to eat the same day or very soon, deli items and prepared produce are often marked down when they are about to expire. Check your store’s weekly discount flyers and apps for specials before doing your shopping so you have a better idea of which meals will be most cost-effective. 
• Try out clipping coupons: Many brands will send out coupons when they release new products that they want customers to try. You can often find these right in your mailbox, but you can also go directly to your favorite brands’ websites to request coupons. Be careful when reading your coupons, as they may require you to buy multiple items or very specific varieties and sizes. 
• Combine your discounts with cash back apps: There are several apps available which allow you to upload your receipts to receive cash back and gift cards. These usually come regardless of any other discounts you applied in store. 

Can The Automatic Stay Help When Expenses Are Too High?

Filing for bankruptcy can clear debts and create more room in your budget for normal expenses. But filing for bankruptcy does not increase your income or decrease the costs of goods and services. You might be fully aware of this and instead be pursuing bankruptcy primarily for the automatic stay. The automatic stay prevents your creditors from taking action against you while your bankruptcy case is pending. So let’s say you have an unexpected expense come up and fall behind on your car payment. Your loan’s terms probably allow for your lender to repossess the vehicle as soon as you miss your payment. This can hurt your credit, and unless you have decent equity in the vehicle, you could be left with a repossession deficiency debt. But if you have a bankruptcy case in good standing, your assets are protected from your creditors by the automatic stay. Your creditors are not even allowed to call you about debts during bankruptcy—they must direct all inquiries about your debts to your debt relief attorney as soon as they inform them of your retainer. 

It can be costly to wait to file for bankruptcy until a creditor has taken a collection effort against you, like:

• Home foreclosure: filing for bankruptcy and activating the automatic stay can stop it up until the sale by auction occurs
• Asset repossession: any asset that is secured as collateral to a loan, not just motor vehicles, can be repossessed by a lender
• Creditor lawsuit: after what may be a short grace period, a creditor can sue the debtor to enforce payment of a debt. If your creditor is successful and obtains a judgment against you, it will wreak havoc on your credit. 
• Wage garnishment: A wage garnishment is typically the next step after a creditor has obtained a judgment. It is an automatic judgment from the debtor’s regular paycheck sent directly to their creditor. Without bankruptcy, it does not stop until the balance owed, plus interest and legal fees, has been satisfied. 

Fight Back Against The Rising Cost Of Living With Bankruptcy

There are certain times throughout history when it is more common to struggle financially than it is to be financially comfortable. Most people’s salaries haven’t tripled in recent years to account for the skyrocketing price of eggs and other groceries. So many people who are intelligent and hard-working are barely getting by due to circumstances outside of their control. All it takes is a car problem that absolutely must be fixed so you can get to work, or your water heater going out, or your job cutting back your hours because of the economy, and paycheck-to-paycheck quickly becomes a growing deficit. If this is coupled with a creditor collection action like a repossession or wage garnishment, it can take years to financially recover from this type of situation. But a bankruptcy filing puts an immediate stop to creditor efforts and can clear the debts at the root of your problems so you can have a fresh start. Our Las Vegas bankruptcy firm executes filings quickly and offers flexible payment plan options starting at Zero Dollars Down. Get started today with your free consultation by phone by calling 702-370-0155.

Las Vegas Bankruptcy Lawyers

LAS VEGAS
7251 W Lake Mead BLVD #300
Las Vegas, NV89128
Office: 702-879-2499
Email: [email protected]

HENDERSON
1489 W Warm Springs Rd. Ste 110
Henderson, NV 89014
Email: [email protected]

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