How To Avoid Overspending This Holiday Season

Black Friday deals are starting earlier than ever this year and that means more pressure to spend, spend spend! The National Retail Federation forecasts holiday sales will rise 4.1% to $586.1 billion this year, a bigger increase than has been typical over the last 10 years. Shoppers are expected to spend an average $749.51 in November and…
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Get Started. Take Charge Of Your Life Again!

The number one question people ask me when I tell them that I work at LSS Financial Counseling is “What do you really do?”  And that can be a tough question to answer. Honestly, whenever you talk about money or debt with people it can get messy. So, I respond by saying, officially, we provide debt and budget, housing…
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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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