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Help! I’m spending more than I make
No one ever intends to spend too much and there are a variety of reasons that it may happen to you. It could be that your income was reduced or one month that just plain spent too much. Maybe you had a...
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How to build savings when there’s not much to start with
We polled our readers and out of 211 people, less than half (99 people) have enough in savings for a $1,000 emergency. That means that 112 people don’t. Not having savings can force you into using...
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You can afford your bills, but is your credit still suffering?
There are many different types of people that come to LSS for financial counseling. One particular group is working, keeping up on bills, but getting nowhere on their debt. The balances are not going...
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Emergency Savings: How to save and when to use it
We’ve been told time and time again we should have 3-6 months of income saved in the event of a financial emergency, but how do we save that money? And furthermore, when is it okay to use emergency...
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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...
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Having this much in savings will help you avoid a crisis
Having an emergency savings account is the best way to avoid a financial crisis. But how much do you really need in savings? While that is debatable and dependent on your individual situation, there is...
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10 Signs You’re Experiencing Financial Stress and What to Do About It
Financial stress is no joke. It can affect every aspect of our lives: from our relationships to our jobs to our health…and everything in between. Not sure if you’re experiencing financial stress? See...
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What to Do if You’re Behind on Your Bills
There may come a time when you struggle to afford all your bills one month. Or maybe it happens to you every year when you pay in to taxes or bring your dog to the vet. Regardless of the reason, here’s...
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Break the Cycle of Living Paycheck to Paycheck
It’s Monday and for many people, payday was just on Friday. While you’re not broke, you still worry about money. Because if your water heater breaks down and you don’t have money to fix it, you’re on...
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