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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Debt And Mental Well Being

It seems like I’ve had an uptick in counseling sessions where people were referred by their mental health professional. Whether or not it is a real trend, I am very pleased. When people suffer from any number of mental health conditions, including depression, bi-polar, or anxiety, they often have accompanying debt problems. If you’ve ever…
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Why Timing Is Everything If You Choose To File Bankruptcy

Bankruptcy can be a scary word, but it’s even scarier if you don’t have a plan after filing. We’re flashing back this Friday to this post about how important timing is if you choose to file bankruptcy. I talk with people all the time who want to file bankruptcy when they don’t have enough money…
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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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Flashback Friday: Tips For Lending Money To Loved Ones

Times can be tight and people get low on cash. If you ever get asked for money from a loved one, here are some tips to help you decide to do it or not. And if you do, this post has great advice on creating the actual borrowing arrangement. You’ve probably heard horror stories about…
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