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Get Financially Fit – By Michelle Gershfeld

A Financial Poise column dedicated to the idea that your financial health starts with how successfully you manage your money.

identity stolen by family members

Can You Avoid Having Your Identity Stolen by Family?

Having Your Identity Stolen by Family Hurts Worse Raphael’s Story Raphael was distraught and confused to learn that his son, Raphael Jr., had unknowingly and quite fraudulently signed his dad’s name to his own student loans several years back. Dad only found out about the forgery when he was denied credit and learned that Junior’s […]


picking up the tab

Picking up the Tab Can Stress Your Budget- and Your Relationships

How much is dinner out costing you? As we were heading out from a restaurant dinner party last week, my friend, Ann, leaned over and griped to me about the group decision to split the check evenly. While grumbling about how “This always happens to me,” Ann noted who’d had cocktails and who’d ordered the market […]


most expensive refrigerator

The Most Expensive Refrigerator Does a Lot- to Your WALLET

The Needs vs. The WANTS I try very hard to be a minimalist. First, because I like to practice what I preach; and second, because leaving a colossal carbon footprint negates the simplicity I try to reflect in my lifestyle. Don’t get me wrong, I like to have nice things, take vacations and treat myself […]


driving expenses

Driving Expenses Can Really Add Up, Do You Have a “Bumper-to-Bumper Reserve”?

You know that sickening feeling you get when you are happily driving along and a light on your dashboard pops up, indicating the need for some immediate repair? Or worse yet, when the lights that pop up are those of a police car stopping you for a known (or oftentimes unknown) motorist violation? You may […]


swimming in financial debt

How to Stay Afloat When You’re Swimming in Financial Debt

Vanessa and David were swimming in financial debt. They bought real estate at the height of the market and were in over their heads. They owed credit card debt to numerous banks, had significant student loan debt, monthly daycare costs for their 2-year-old twins and owed a $20,000 personal loan to David’s parents (currently paying […]


car accident information

Having Car Accident Information Beforehand May Help Your Headache After

Who’s at Fault? The Money Will Speak for Itself It’s really scary to be involved in a car accident. Having all your necessary car accident information ready to go before such an event occurs will help guide you and may provide some peace of mind amid the turmoil. The story I’ll present here will highlight […]


Giving Charitable Donations

Are You Giving Charitable Donations or Caving to Scary, High Pressure “Help”?

Giving Charitable Donations is One Thing… Debby lives paycheck to paycheck, always struggling to make ends meet, although she does believe in giving charitable donations and helping others where she can. After a long day at work, on a windy, rainy evening last week, Debby needed gas. Rather than pop into the gas station right […]


Balancing Finances and Family

Balancing Finances and Family- Sisterly Love Doesn’t Pay the Rent

Balancing Finances and Family: Good Intentions, Bad Behaviors After another 12-hour day at work, Julie was disgusted and dismayed when she walked into her kitchen to start pulling dinner together. As she approached the kitchen, she saw broken potato chips around the garbage bin and the chocolate syrup bottle on the counter, swimming in a […]


Damage Repair Scam Victims

Protect Your Money: Learn from Damage Repair Scam Victims

Michelle Gershfeld is a debt settlement and bankruptcy attorney who negotiates settlements between clients and their creditors. Michelle turns debt relief into an additional revenue stream for Personal Injury and Medical Malpractice lawyers. Through analyzing the debt and then bargaining and negotiating with the creditors,


Rent Credit Card Student Loan debt

How Much Is Too Much to Spend on Your Rent And/or Freedom?

Failure to make your rent or credit card payments can mar your credit, result in a judgment against you and even garnishment of your wages. Find out how to avoid life’s common spending traps.


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