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Facing retirement and debt? You’re not alone
According to the National Council on Aging, Americans are carrying more debt into retirement than ever before. 18% of Seniors are using over 25% of their income for debt payments. Living on a fixed...
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How to have family fun on the cheap
Flashback Friday to this post about free and cheap ideas for family fun. There’s still time to get outside before the snow flies and there are ideas for the heart of winter, too. Read on and enjoy...
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Savings is an option for individuals with disabilities
In honor of National Disability Employment Awareness month, here’s a guest post about savings as an options for individuals with disabilities. Often individuals with disabilities are not familiar with...
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Counselor Spotlight: Let’s meet April
We’re continuing with our Counselor Spotlight! This week let’s meet April… April came to LSS Financial Counseling in 2008 with a background in helping homeless youth regain stable financial footing....
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Do you let your expenses rise to meet your income?
A while back at our Financial Counselor meeting, I heard the phrase, “Expenses rise to meet income.” My first reaction was, “Well, they don’t have to.” And next, “I don’t do that.” The phrase stuck...
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Why you shouldn’t lend money to friends
Whether or not you should lend money to friends and family is always a hot topic. Recently one of my close friends, “Kara” loaned money to one of her friends, “Jen”. Jen asked for the money to help...
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Do you have a New Year’s financial resolution?
Here’s a Flashback Friday post from last January. What will you do in 2017 to improve your bottom line?? Below are some simple ideas you can try right away… It’s almost that time again to make a...
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Flashback Friday: 6 Steps to Build Up Your Emergency Fund
Flashback to some step by step guidance to build your emergency fund. This practical advice can help your savings grow to new heights in 2017. Saving money can be hard! We all know we should do it, and...
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The Great Debt Pay Down for the Duluth-Superior Area
We’re excited to announce that Superior Choice Credit Union has opened applications up for their 2017 Great Debt Pay Down! WHO IS ELIGIBLE TO PARTICIPATE? ANYONE in the Duluth/Superior and other...
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Top 3 Budgeting Blunders
Budgeting is a great first step to financial wellness, but it won’t save you from a crisis just by creating a budget. It takes a bit more work than that. So here are 3 blunders to avoid when you’re...
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Fight Your Fears, Face Your Finances, Find Financial Freedom
Everyone struggles in one way or another with managing their money. Many struggle to juggle mortgages, student loans, credit card debt, and basic budgeting skills. If you feel like your debt is out of...
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5 Tips to Avoid Being Broke Right After Payday
I was thinking the other day about how many times I’ve heard someone say “Ugh I just got paid and I’m already broke“. Another one is “I’d love to go have dinner tonight, but I can’t afford it.” It’s...
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Flashback Friday: Can I afford to be a stay at home parent?
Thinking about being a stay at home parent? Read on to help you decide if you can truly afford it. Bottom line: I love working. I love the social aspect of work, climbing the professional ladder, and...
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Emergency Savings: How to save and when to use it
We’ve been told time and time again we should have 3-6 months of income saved in the event of a financial emergency, but how do we save that money? And furthermore, when is it okay to use emergency...
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Tips for getting a roommate to increase income
I’m married and besides my spouse, I’ve had 2 separate roommates over the years. One stayed in an extra room for about a year and the other for about 3 years. If you’re thinking about getting a...
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It’s never too early to think about retirement planning
It’s National Retirement Planning Week 2017! We’ve published a variety of posts on retirement and this week we’re flashing back to Ashley’s post: Can Debt Derail Your Retirement Plans?. As a bonus to...
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My student loans seem fine. Do I really need a student loan counseling session?
So you’re going along fine paying your student loans. You can afford the payments and just need to wait it out until the loans are finally paid off. However, there may be other aspects regarding your...
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Flashback Friday: 5 Tips to Achieve and Maintain Financial Stability
April is Financial Literacy Month so we’re flashing back to Ashley’s post about 5 basic tips to achieve financial stability. According to the Federal Reserve, the average household carries about...
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Don’t be haunted by financial ghosts of the past
Just because you made a financial mistake in the past doesn’t mean you have to pay for it forever. That is of course as long as you’ve taken care of the issue and made sure that it’s showing up in your...
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Saving money when there’s nothing leftover at the end of the month
We’re flashing back to Ashley’s post about how to save money when there’s seemingly nothing left at the end of the month. There are many economic reasons for our lack of personal savings, but that...
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