Using Crisis Budgeting During Tight Financial Times

Unexpected events can happen to any of us without warning. The world is an imperfect place: cars break down, people get laid off or injured, pets get hurt…and that’s just the tip of the iceberg sometimes. And out of 280 of our blog readers polled, 51% of them say they don’t have enough money in savings…
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How Janis Took Back Control Of Her Finances

I absolutely love sharing stories from the people we serve. Janis met with a counselor, created a budget,  and signed up for a Debt Management Plan to pay off her debt faster and save money. Janis submitted a testimonial on our website; so here is Janis’ story in her own words: “I found myself at nearly…
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How You Can Stop Being Broke All The Time

“I just got paid and I’m already broke.” Does that sound familiar? There are tons of memes that revolve around that first sentence; that’s how you can tell it’s a widespread and shared problem. However, it is possible to get out of that vicious cycle. Here’s what to do: Set a SMART goal First, determine…
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A Breakdown Of The Collections Process

Debt, especially debt in collections, can be quite stressful. It means you’re behind on payments so probably are struggling to keep up with other monthly expenses, plus you’re probably getting collection calls. This post breaks down the collections process and what to do to regain control of your debt and finances. ACCOUNT STATUS DETAILS Financial…
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What Would You Do With An Extra $1,000?

We often play a “game” with people who visit our LSS Financial Counseling table. People are given 10 marbles and each represents $100; then we ask what each individual would do with an extra $1,000. They have to decide between 3 jars: ‘Save’, ‘Spend’, and ‘Pay down debt’ and the marbles can be split up in any way. I’ve personally staffed…
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