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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What Should You Do If Your Spouse Can’t Pay His/Her Bills?

This can be a tough situation to work through just because finances are a touchy subject. You both might already be stressed out about finances and now you find out that your spouse has missed payments that you thought were current. Or worse, s/he has taken on some debt that you weren’t aware of. So…
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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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