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Mental Health and Finances
May is Mental Health Awareness Month! According to NAMI-MN, mental illnesses can affect persons of any age, race, religion or socioeconomic status: in fact, about one in four American adults...
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Planners, Advisors, or Counselors: Who should you turn to?
Financial Planner vs. Financial Advisor vs. Financial Counselor Have you ever been confused by where to turn when you need help with your finances? With over 183 different professional designations,...
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America Saves Week 2019: Saving for the Unexpected
Well it’s America Saves week and today’s post is going to talk about one of the most crucial actions to take: saving for the unexpected. What is the unexpected? It might sound simple, but just to...
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How to Keep Your New Year’s Resolution This Year
Each year you choose a New Year’s resolution…whether it’s to lose weight, declutter your house, eat healthier, or exercise more. So many people fall off their resolutions because something gets in the...
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What to Consider Before Buying Your First Home
Rents are crazy high. I regularly meet with people who tell me they want to buy a house because that rent money is just going into someone else’s pocket. On the surface this seems like sound reasoning,...
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Revenue Recapture
It is that time of year with qualifying Minnesotans getting refunds from the state for property taxes or rent paid. Or not. Some unhappy folks are not getting their tax refunds, thanks to Revenue...
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How to Manage Money in a Relationship
Communication is key to a happy relationship and that also applies to managing money. The more you talk about it and work on it together, the better off you’ll be together. But different methods work...
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Why Giving Actually Makes You A Happier Person
We’re flashing back this Friday to Mary Ellen’s post about giving to others and why people who give are generally happier, regardless of income. A colleague recently loaned me her copy of Happy Money:...
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Still Helping Your Adult Children?
Our blog on parents helping grown children continues to be our number one read blog 4 years in a row! There is a reason for this: it is a pervasive and disturbing issue for families. I know I see it...
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How to Minimize the Potential for Identity Theft
Identity theft can literally happen to anyone. From children and teens to adults and seniors, no one is 100% protected from being scammed. However, there are ways that you can minimize the possibility...
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How Full is Your Credit Bucket?
We are fortunate at LSS to have experienced financial counselors with a lot of personal finance knowledge. Luckily for me, our wonderful counselors sometimes pass on nuggets of wisdom that I can then...
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It’s Almost Tax Season and It’s Time To Make a Plan
The new year brings up thoughts of resolutions like eating better, paying off debt, exercising, and more. But the new year also brings with it tax season…again. Don’t wait until April 14th to work on...
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Realistic Resolutions You Can Achieve
Sticking with the financial resolution theme, we’re flashing back to Ashley’s post about creating and sticking to realistic goals. Right after vowing to “save more and spend less” you will see “get in...
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Which of the 5 Money Personalities Do You Identify With?
My 10th anniversary with LSS Financial counseling is this month. Over these last 10 years I’ve provided counseling, supervised and observed counselors, and learned so much about personal finance. I’ve...
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Should You Tell Your Friends You’re Too Broke to Hang Out?
Have you ever been in a position where you’re invited to go do something, but you can’t afford it? So you make up an excuse that you’re sick or tired or can’t find a sitter. While your friends may buy...
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25 Productive Things to Do Instead of Spending Money
I enjoy shopping and spending money sometimes; the act of it (as long as it’s quick), getting new things, and wearing or enjoying those new things. But sometimes I just don’t have the money to spend...
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8 Ways Procrastination Can Cost You
Procrastination is putting off doing something until the last minute. In some cases, people can thrive on procrastination, such as meeting a deadline for school or work. However, when it comes to...
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What’s your financial downfall?
If you see something on sale in a store do you feel compelled to buy it even though you don’t need it? If so, that might be your financial downfall. This means that you’re spending too much money on an...
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15 things to stop wasting your money on
Have you ever thought about how much of your money goes to waste? From hitting the vending machine or convenience store, little amounts can add up to big money waste. If you find yourself living...
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6 budget-friendly hobbies
Whether you’re trying to save more money for emergencies or retirement or pay off debt, the first expenses that tend to be cut are the fun things. You might cut back on going out with friends, travel,...
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