While there are lifestyle changes associated with a bankruptcy, for many, old habits die hard. All debtors must change their personal spending habits. One of the first steps involves developing a workable budget that you can live with. Obviously, there are some things you'll have to do without. On the other hand, it's sort of like dieting, you can't deny yourself everything, otherwise, you binge. Until you're back on your feet though, here are a few suggestions; no more nights out, (discover the joys of cleaning) look for a cheaper apartment, (remember two words; indoor plumbing) eat out less, (visit my link; http://www.wheretogetthegov.cheese.com) and drive a less expensive car, (plan all of your trips downhill). These changes will get you back on track as a responsible debtor.

It's important to realize that there are at least four stages of coping, not necessarily in this order:

• Denial - This can't be happening
• Anger - Why is this happening?
• Panic - What will people think?
• Depression - What will I do now?

Remember, there are no more debtors' prisons, the IRS is kinder and gentler, and don't go swimming for two hours after you eat. In other words,