How Do You Save When You Have Nothing Left At The End Of The Month?

According to an article published in the Huffington Post, nearly half of all Americans have less than $500 in savings.  There are many economic reasons for our lack of personal savings, but that doesn’t take away from the importance of having a safety net for unexpected expenses.  There is no doubt that living paycheck to…
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What To Teach Your Kids About Money

Very few parents actually talk with their children about the value of a dollar or how to handle money responsibly.  Some schools offer elective classes on financial management, but this subject is not brought up nearly enough in schools today.  We can be confident that our kids will gain some exposure to Algebra and geometry,…
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Medical Costs Stressing You Out? 5 Steps You Can Take To Manage Them.

You can do this! Frequently I meet with clients who are struggling with medical bills. As a financial counselor, my number one goal is to congratulate them on taking the first step! Calling is a tough challenge. The number one fear I hear from clients is, “I was scared of being judged.” Here is what I…
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The Top 3 Reasons People File Bankruptcy (and Tips To Avoid Them)

As a financial counselor with LSS, I provide bankruptcy services to clients, including individual counseling and teaching a financial management course. This experience coupled with bankruptcy statistics show that the top 3 reasons for filing bankruptcy are medical debts, job loss, and overspending, in that order. Maybe this surprises you! People often assume that overspending…
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Hunting On A Budget: Saving Money Before, During, And After The Hunt

If you are heading out hunting tomorrow for deer opener than you already know that hunting is an expensive hobby.  Scent-covering hunting clothing alone can literally hundreds of dollars.  And serious hunters typically spend hundreds more during the offseason planting food plots, buying fancy deer stands, and making countless trips back and forth from the hunting…
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