Clik here to view.
Get Started. Take Charge of your Life Again!
The number one question people ask me when I tell them that I work at LSS Financial Counseling is “What do you really do?” And that can be a tough question to answer. Honestly, whenever you talk about...
View ArticleClik here to view.
The inside scoop: 5 tips for dealing with collection phone calls
Written by Mary McKeague, Certified Financial Counselor Are you currently being hounded by debt collectors? Getting collection calls every few hours during the day can be pretty overwhelming and...
View ArticleClik here to view.
Secrets of Holiday Shopping with your Kids
Written by Cherrish Holland, Certified Financial Counselor Yes…you read the headline correctly. That is holiday shopping with your kids! During this busy holiday season most parents cringe at the...
View ArticleClik here to view.
Don’t Wait Until the New Year; Start Conquering Your Debt Today!
Written by Shannon Doyle, Certified Financial Counselor with LSS Financial Counseling “I feel so much better. I only wish I would’ve called sooner.” That statement is exclaimed time and time again...
View ArticleClik here to view.
New Year’s Resolutions That You Can Actually Keep
Written by Cherrish Holland, Certified Financial Counselor with LSS Financial Counseling Take a minute to exhale. The Holiday Season is almost over. Thanksgiving—check. Christmas—check. New Years—Ugh!...
View ArticleClik here to view.
Totally Broke Tuesday or Triumphant Tuesday?
Did you survive the shopping weekend without any bruises to your wallet? Congratulations! Time to sit back, relax and enjoy Triumphant Tuesday. Or are you on the other end? Did Black Friday, Small...
View ArticleClik here to view.
6 Myths About Credit Counseling
In the same way I try to avoid using clichés, many people avoid credit counseling like the plague. They’ve heard from their friend whose sister’s uncle’s cousin got counseling and it trashed that...
View ArticleClik here to view.
Why Am I Not Getting Anywhere Paying Off Debt?
The cold, hard truths about paying off debt. In most cases, people need credit cards to improve/build credit. We use them to get a good deal – 0% interest for 12 months to get that new couch. Why not?...
View ArticleClik here to view.
How Financial Counseling Can Help
The average financial counselor with LSS meets with about 4 people per day regarding budget, credit, debt, foreclosure, or student loan issues. We survey the people we serve to see if there is anything...
View ArticleShould You Go On Vacation If You Are In Debt?
Everyone needs a break from the monotony of real life. Work, school, family, chores, bills, debt, errands…it all adds up and can feel like a huge weight is on your shoulders. So you might think (as I...
View ArticleClik here to view.
Start Planning For Holiday Shopping Now
We took a poll of our readers asking them if they save money for Christmas shopping throughout the year. Out of the fifty-one respondents, only 29% said they save money throughout the year to buy...
View ArticleClik here to view.
4 Ways To Improve The 52 Week Savings Challenge
Experts say that everyone should have 3-6 months’ worth of expenses in savings in case of a major financial emergency, such as a job loss or injury/illness. Building up your emergency fund and doing a...
View ArticleClik here to view.
No Time To Deal With Finances? We Can Help
Are you putting off dealing with your finances because it feels like you don’t have time? If so, our online counseling is the solution. LSS Financial Counseling, a nonprofit organization, offers free...
View Article4 Financial Decisions You’ll Likely Regret
I try to live life for today and I’ve seen enough to know that life’s too short. Therefore, I try to do whatever I can to enjoy time with friends, family, my dogs, and myself. That might mean spending...
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 ArticleFacing Retirement And Debt? You’re Not Alone
According to the National Council on Aging, Americans are carrying more debt into retirement than ever before. 18% of Seniors are using over 25% of their income for debt payments. Living on a fixed...
View ArticleHow Can A Financial Counselor Help?
At one time in our lives most of us have a financial crisis of some sort, but most don’t know that there is free and trusted help out there. Mary Ellen is a financial counselor with LSS and she talks...
View ArticleThe Great Debt Pay Down For The Duluth-Superior Area
We’re excited to announce that Superior Choice Credit Union has opened applications up for their 2017 Great Debt Pay Down! WHO IS ELIGIBLE TO PARTICIPATE? ANYONE in the Duluth/Superior and other...
View ArticleClik here to view.
How To Use Your Tax Refund To Improve Your Finances
If you’re lucky enough to get a tax refund, it’s best to plan out how you’re going to use it. We’re flashing back to this post about 7 smart ways to use your refund. Tax time can be a nice time of year...
View Article9 Things To Think About Before Making A Large Purchase
At times in our lives we have to decide between making a large purchase or not. Maybe it’s putting in new carpet or replacing an appliance or buying a treadmill. No matter what the item is, here are 9...
View Article