Blog Archives

Still Helping Your Adult Children?

Posted on April 18, 2018 by Elaina Johannessen — No Comments ↓

Our blog on parents helping grown children continues to be our number one read blog 4 years in a row! There is a reason for this: it is a pervasive and disturbing issue for families. I know I see it…

Tagged with: adult child, Budgeting, Credit Card Debt, Debt, enabling adult children, financial wellness, grown kids, helping family financially, lss financial counseling, personal finance, Savings, sense and centsibility
Posted in Debt, Financial Wellness, Kids, Relationships, Retirement

Medical Bills and Your Credit Report

Posted on April 16, 2018 by Elaina Johannessen — No Comments ↓

Good news for those with medical debt. If you haven’t heard, under the FICO Score 9 paid off medical bills no longer affect your credit score. In addition, medical bills paid by insurance won’t show up on credit reports either. The…

Tagged with: annualcreditreport.com, charged off debt, collection debt, Credit report, credit score, Debt, fico score, financial fitness, financial health, lss financial counseling, medical bills, Medical Debt, sense and centsibility
Posted in Credit, Credit Report, Medical Debt

How To Avoid Loan Modification Scams

Posted on April 13, 2018 by Elaina Johannessen — No Comments ↓

There are many types of scams out there. And unfortunately, scam artists tend to target people that are already having financial troubles. Here’s a flashback Friday post to remind you to be cautious about where you get mortgage help. Homeowners face…

Tagged with: avoid scams, foreclosure, foreclosure scam, housing counseling, HUD approved housing counseling, loan mod scam, loan modification scam, lss financial counseling, mortgage, sense and centsibility
Posted in Foreclosure, Housing, Scams

Overcoming Barriers to Homeownership

Posted on April 11, 2018 by Elaina Johannessen — No Comments ↓

Homeownership is a dream for so many Americans, but a lot of people, especially younger adults, face barriers to purchasing a home. Besides increased house prices in some locations, other major barriers include: Not enough money saved for down payment…

Tagged with: buying your first house, Credit, Credit report, financial counseling, first time homebuyer, homeownership counseling, Improve your credit, lss financial counseling, mortgage, new home, Pay Off Debt, purchasing a home, save money, Savings, sense and centsibility, spending plan
Posted in Housing

Give yourself a raise: Complete a “Paycheck Check-up”!

Posted on April 9, 2018 by Elaina Johannessen — No Comments ↓

It’s Financial Literacy Month! A pretty exciting month around here. What have you been doing to refresh your finances? Here’s one idea: If you’re feeling like there is ‘too much month at the end of your money’ you may be…

Tagged with: Budgeting, Credit Counseling, financial fitness, financial literacy month, IRS withholding, lss financial counseling, nonprofit credit counseling, pay stub, paycheck, paycheck check-up, sense and centsibility, withholding calculator
Posted in Financial Wellness, Taxes