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How to write an effective hardship letter
Like many Americans, you may have fallen on tough times and have either started to fall behind on mortgage payments or you are bound to shortly. You’ve heard that the government has programs that may...
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How to Write a Cease and Desist Letter
Many consumers who fall behind on debt payments may find themselves on the wrong end of phone calls and letters by companies trying to collect the debts. Often, the calls and letters are upsetting to...
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10 Tips to Save Money This Winter
Winter can be a tricky time of year for a homeowner. There are significant home preparations to consider when fall begins to submit way to winter. Dwindling heat and daylight make some applications...
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How to manage credit through different stages in life
People have different views of credit depending on what’s going on in their lives. How good (or bad) our credit is can affect everything from car insurance rates to getting a job to buying a home. Read...
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Tips for Taking the Anxiety Out of Moving
Moving can be an exciting adventure, especially if you’re heading to your dream home! But it can also be unduly stressful with so many details screaming for attention, not to mention packing up...
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The Green Tomato: The Fruit That Keeps on Giving
It’s been a good garden year for me. I’ve supplied my household, friends, family, passersby, and the local food shelf with a variety of beautiful, fresh, organic produce. I couldn’t even begin to...
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Six Laundry Tips to Save Money and Your Clothes
I hate grocery shopping. But, I love doing laundry. I don’t know why. I think it feeds some compulsive behavior in me. I like separating colors, fabrics, tackling stains, getting whites white … There...
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TBT: Tips to save money during hunting season
This was originally posted 3 years ago and has been a popular read. So here’s a little throwback Thursday blog post as a reminder how to save some money during hunting season. If you are heading out...
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Worry About Money All The Time?
Do you worry about money? How often? Monthly? Every payday? Every day? If you worry about money, you’re not alone. According to a survey by GoBankingRates.com, 1 in 3 people worry about money all the...
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Using Your Rewards Credit Card
I recently met with a couple, (I’ll call them “Joe” and “Julie”), who had completed a Debt Management Plan (DMP) with us about a year ago. When we first met 5 years ago, they were really struggling....
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5 Tips To Reach Your Financial Goals
Personal financial goals of spending less, paying off debt, and saving more are right up there with losing weight and eating healthy on the list of common New Year’s resolutions. It is no secret that...
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Declutter Challenge: Update #1
Since I posted the first blog about the declutter challenge last week I started the process! Writing about it actually motivated me to just jump in and do it. So I thought I’d give an update and...
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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 ArticleHow To Have A Healthy Relationship With Money
Money. Is it the root of all evil? Maybe. Probably. Either way, unless you’re completely off the grid (which is pretty unlikely), everyone is dependent on money to live. So how do you have a healthy...
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...
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5 Tips To Achieve Your Financial Goal
Most of us likely have goals…whether they’re health-, entertainment-, financial-related or another kind. Financial goals may not be as high of a priority as exercising, but being financially unfit can...
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...
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Cold And Flu Season Is Almost Here
School is back in session and colder weather will be here soon. So it’s the perfect time for this flashback post of Ashley’s about cold and flu prevention (that won’t cost you money) and what to do...
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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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Expense Control: Ideas To Balance Your Budget Without Increasing Income
Examining, reducing, and controlling expenses plays a powerful role in being able to live within your income, save money, and be able to pay for more important things. Lifestyle changes may not be...
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