Just Say ‘No’ To Opening That Store Card

“Would you like to save 10% today by opening a [insert store name here] credit card?” While it may be tempting to open up a card to save money, read through the pros and cons below before taking that new credit card plunge. Pros Saves you money right now Opening up that card would save…
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A Letter About Your Student Loans And Credit Cards From Your Financial Counselor

Dear Friend- I am worried about your financial wellness.  You tell me you have student loan debt, credit card debt and not much money saved for retirement. Have you been able to log onto StudentLoans.gov to look at repayment, forgiveness and deferment options for your federal student loans?  Have you talked with your servicer(s)?  If…
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LSS Financial Counseling Celebrates 30 Years!

Since 1987, LSS Financial Counseling has been providing nonprofit budget, credit, and debt counseling. That means for 30 years LSS counselors have been helping individuals and families stabilize and improve their finances and conquer their debt. These are the services our counselors provide: Credit, Budget, and Debt Counseling During a financial counseling session, counselors create…
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Should You Save Or Pay Debt First?

It’s easier to keep up on other bills when credit card debt is paid off. Not to mention you’re losing money by having to pay interest charges. So your gut instinct might be to focus on paying off debt first before saving for emergencies or for your retirement. However, it’s not always a simple decision…
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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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