woman facing retirement

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 income with rising expenses, many seniors are making harsh trade-offs to meet debt obligations. In some cases this means skipping meals and foregoing…
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12 Signs You Need A Credit Intervention

Are you struggling with credit card debt right now? Does simply hearing the words ‘debt’ and ‘credit cards’ stress you out? Here are 12 signs that you need a credit intervention: Charging more each month than you make in payments. Paying only the minimum amount due on your credit cards. Using credit and cash advances for…
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5 Signs You Need To Cut Up Your Credit Cards

Can’t go a month without charging You find yourself using your credit cards to purchase groceries or gas because there’s not enough money in your checking account for everything. Be sure to prioritize your spending. Pay for necessities first and do what you can to make cuts or increase income so that you can start only…
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Peer To Peer Lending: Is It Your Best Option?

Does this scenario seem familiar? It’s late at night and you are sitting down to pay bills. You make your payments on time so you should be fine, right? But you feel like you’re sinking. Do you have more credit cards than you did a year or two ago? Maybe you opened a 0% offer…
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So What Is A DMP, Really?

One of our Financial Counselors, Colleen, explains the basics of the Debt Management Plan (DMP) in a short video. Click the link below to go view the video… WHAT IS A DMP? Click HERE for more detailed information about the Debt Management Plan. LSS Financial Counseling is a non-profit organization that empowers people to achieve…
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