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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The Scary Truth About Paying Down Credit Card Balances

A common question that we hear at LSS is “I’ve got cash temporarily. Should I pay down my credit card debt?” People will come into a sum of money temporarily or maybe get paid more at different times during the year. Think a teacher, construction worker or a seasonal employee. A friend of mine who…
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How To Avoid A House Worth Of Student Loan Debt

Several times a week I get calls from college students (and their parents), asking how they can avoid taking on too much student loan debt. They’re concerned, and no doubt they should be. With student loan debt levels surpassing credit cards for the first time in history this is a concern for anyone taking on…
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