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...
View ArticleTips for moving out of your foreclosed home
Though there may be a purpose, justification, or a tale of unavoidable hardship accompanying your current foreclosure status, it is no doubt an unfortunate event. You didn’t buy the house with the...
View Article6 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...
View Article4 Budgeting Tips for Tipped Employees
Before and during college I worked in the service industry. I didn’t worry much about budgeting since I didn’t have kids or a car payment (I took the bus everywhere), and not much to worry about as...
View ArticleGot Savings? How to go from $0 to $2000 in one year
How much are you saving? If this question makes you laugh and exclaim “Savings? I wish!”, or creates major waves of guilt and anxiety you are not alone. A Consumer Federation of America study in 2010...
View ArticleRetirement: Your money, your future
So, you are FINALLY nearing retirement age, but you and your spouse never actually discussed what this would look like. Perhaps you put it off for lack of time and energy. It snuck up on you while you...
View ArticleHow to use your tax refund to get ahead this year
For many of us, tax season means money in the bank. Well, at least for a little while…until we spend it, right? If you are anticipating a refund this year, do you have a plan for what you will do with...
View Article5 Tips to Retire Debt Free
No matter how old you are, you may have found yourself dreaming about retirement…thinking about traveling the world, sipping umbrella drinks on a white sandy beach, or volunteering with your favorite...
View ArticleHow 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...
View ArticleTake charge of your finances today
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...
View ArticleThe Importance of Periodic Savings
Everyone knows the importance of having emergency savings. If something unexpected comes up, having a chunk of money in savings can be the difference between continuing life normally versus going into...
View ArticleAmerica Saves Week is 2/22-2/27!
Share Your Savings Goal and Win the #imsavingfor Contest To celebrate America Saves Week, America Saves is launching the #imsavingfor contest. It’s easy to enter. Just share a picture of you and what...
View ArticleFBF: Could you afford a $1,000 financial emergency?
Since it’s America Saves Week, here’s a Flashback Friday post about being prepared for a financial emergency. And click HERE to visit the blog home page to take our poll about this topic. How much are...
View ArticleStart 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 ArticleEasy 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 I would tell my 20-year-old self about money
Have you ever said to yourself: “If I could go back in time, I would have…[insert wish here]”? One of the few times I said it was about having a boyfriend in high school and if I could go back I’d hang...
View ArticleFinancial Literacy Month is a Great Time to Start Saving
Financial Literacy Month provides an opportunity for everyone to learn more about their personal finances and take steps to improve their financial picture. This year’s celebration kicks off on April...
View ArticleHow to make your summer more affordable
Even though while I’m writing this we’re supposed to get 2-4 inches of snow in Duluth, summer really is right around the corner. If you haven’t already gotten a wedding invitation in the mail, those,...
View ArticleHow ditching cable can improve your life
Whether you have cable or dish, monthly payments for this service are usually expensive. They might lure you in with free movie channels and a reduced payment for the first 3-6 months, but then after...
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