pay off debt

3 Steps To Take To Break The Debt Cycle

We’re flashing back this Friday to Mary’s post about how to take action and break the vicious cycle of debt… Everything seems to be going fine until the economy takes a turn for the worst, you lose your job unexpectedly, hours are cut, self-employment income is lost, and you can no longer afford all of…
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Watch Out For These Warning Signs Of Having Too Much Debt

As I’ve discussed in a previous blog, getting into debt is easy. It’s exciting to buy new and shiny things or take a trip. Or sometimes your hot water heater breaks down and you charge a new one because you don’t have the cash on hand. Once you’ve charged, that’s when the hard part begins. It…
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3 Things You’ll Learn After Paying Off Your Credit Cards

I started out with LSS as a Financial Counselor and met with people from a variety of situations, debt balances, and income levels. While I don’t counsel anymore, I receive testimonials from the people we serve and get to hear what getting out of debt meant to them. Not to mention, I hear from counselors…
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How NOT To Use Credit Cards

I have a credit card that I use every once in a while. This particular credit card company (that shall remain nameless) sent me an email this week explaining four major perks of having this credit card. They even stated that my card is a “powerful financial tool”. Credit cards definitely come in handy sometimes,…
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How To Bounce Back From A Financial Emergency

Many of our posts have covered how to prepare for a financial emergency or what to do when one comes up. But we haven’t really addressed the post-emergency. So here are tips to get back on track when it happens to you. Continue crisis budgeting Crisis budgeting is not just for use during the emergency;…
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