What Is Your Bad Habit Costing You?

Most people have formed some kind of bad habit, especially when it comes to finances. I doubt I’m the only one, but my bad habit is dining out too much sometimes. When it happens, it’s because I’m busy or tired or sick and I have zero desire to go to the grocery store after work or on…
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What Are My Options If I Can’t Afford My Mortgage Payments?

A lot can happen in 30 years The average mortgage has a 30-year term, which is 360 monthly mortgage payments. 30 years is a long time to expect that all will run smoothly and there will be no “bumps in the road” financially or otherwise.  No one who buys a home dreams of losing it…
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Let’s Get This Garden Started!

If you plant a garden each year or plan to start, it’s time to think about planting some seeds…yes, even though there’s still snow on the ground. Here’s a flashback Friday post from Mary Ellen with excellent tips. Enjoy! February in Minnesota. The days are noticeably longer; we gained an hour of daylight in January.…
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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 control or hopeless, know that there are definitely others in the same boat. You may feel stranded and hopeless, but there…
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How Janis Took Back Control Of Her Finances

I absolutely love sharing stories from the people we serve. Janis met with a counselor, created a budget,  and signed up for a Debt Management Plan to pay off her debt faster and save money. Janis submitted a testimonial on our website; so here is Janis’ story in her own words: “I found myself at nearly…
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