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How do you save when you have nothing left at the end of the month?
According to an article published in the Huffington Post, nearly half of all Americans have less than $500 in savings. There are many economic reasons for our lack of personal savings, but that...
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6 Steps to Build Up Your Emergency Fund
Saving money can be hard! We all know we should do it, and some of us actually do. Even when we do save, we know we should be saving more. So, what’s a poor girl (or guy) to do? Emergency savings...
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4 Simple Steps to Thrive on Fluctuating Income
One of the most difficult challenges for families with fluctuating incomes is how to pay all their bills during the lean months. Income may fluctuate due to self-employment, earning commissions or...
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How to Financially Prepare for and Survive a Layoff
We all want to feel secure should something happen such as a layoff; however, we also have other priorities for the income we are earning. The best way to prepare for a layoff is by having emergency...
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5 Expenses That Are Worth The Money
Trying to cover all your living costs, plus save for emergencies and retirement can be a daunting task. Sometimes, the challenge is downright overwhelming. Being frugal can help, but don’t confuse...
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Garage Sales: Earn extra money and de-clutter your home
Garage sales are a great way to earn a little extra cash for yourself and your family. Plus it’s something in which that the whole household can participate. It’s also a good way to de-clutter your...
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Is Your Financial House in Order?
January is the perfect time to look back at your financial activity over the last year to take stock and decide if you should make any changes to better meet you’re your financial goals. Take some time...
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6 Steps to a Money Smart Start for 2014
The holidays are over now and for many people it’s time to face the reality that is credit card debt. The hard fact is that unless you have a 0% annual percentage rate (APR) or are paying your cards...
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Savings 101: Emergency Savings vs. Periodic Savings
Everyone knows that having money set aside in savings is important, but either we can’t afford to put away money right now or we choose not to because living in the present is much more enjoyable. When...
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Motivation Monday: Kick-start Your Finances
The past is the past and what’s done is done. You can’t go back and uncharge the TV you bought last year or the plane tickets you used 2 years ago. Unfortunately, you still might be paying for a big...
View ArticleWhere Do I Get This “Saved Money”?
If you don’t know where the title quote is from, check out this skit from SNL: Don’t buy stuff you cannot afford. It’s okay…I’ll wait because it’s totally worth watching. This is one of my favorite...
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Easy Ways To Increase Financial Wellness
This month LSS employees are taking part in a financial challenge to improve our own financial wellness. We are supposed to do something at least 4 times each week that will contribute to improving our...
View ArticleWhat To Do During Tight Financial Times
Whether it’s the vet, vehicle tabs, new tires, or even a concert you want to attend it never fails: two-three times per year most people have several large expenses that all come up in the same month...
View ArticleOur Best Personal Finance Tips: Volume 1
We have quite an experienced Financial Counseling team at LSS. So I decided to tap into their knowledge: I asked all of them to tell me their favorite and/or best personal finance tip. Here are just a...
View ArticleHow To Teach Children Good Money Habits
Many adults today weren’t taught much about personal finances when we were young. But those with children should start teaching their kids smart money habits as early as possible. Kids with a solid...
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Are You Financially Prepared To Adopt A Pet?
If you’re thinking about adopting a pet, check out Ashley’s flashback Friday post. So many times we get caught up in the emotions and excitement and don’t think about the costs involved. Read on for...
View ArticleFinding A Place To Rent When You Have Credit Problems
If you have credit problems, finding an affordable place to rent is becoming increasingly difficult. However, there are things you can do. Here are some tips & strategies to help find a new spot to...
View ArticleAre Credit Cards Bad News?
In the financial counseling world we coach people on a daily basis to ditch and cut up their credit cards for good. But it’s not always realistic for some people to never need one again. Here’s a...
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How Do I Pay Off My Credit Card Debt Faster?
Meet “Angie”. Angie is the typical married, working mother of 1 wild toddler. Angie has a mortgage, 2 car payments, and credit card debt. She has been struggling with credit cards for years because her...
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How To Build Savings When There’s Not Much To Start With
We polled our readers and out of 103 people, slightly less than half (51 people) have enough in savings for a $1,000 emergency. That means that 52 people don’t. Not having savings can force you into...
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