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Changing Financial Behavior

Opportunity Costs Have you ever heard of the term Opportunity Costs? Believe it or not, it is a concept that can affect our everyday decisions about spending money: if it currently doesn’t affect yours, it should. At its core the

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Posted in Budgeting, Debt, DOs and DON'Ts, Financial Counseling, Financial Planning, Financial Wellness, How to Guides, LSS Financial Counseling, Motivational

Spend Less and Make More Memories This Holiday Season

‘Tis the season for holiday shopping! So we’re flashing back this Friday to Mary Ellen’s post about how to reduce stress and spend less this year. Despite what marketing executives would have us believe, the Holiday Season is not a

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Posted in Holiday Shopping

Do you spend all or more than you earn?

do you spend more than your make?

Some people reading this might wonder how that’s even possible, while many others can relate. And here’s why so many get it. It turns out that HALF of Americans spend their entire paycheck or even more. That means one out of

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Posted in Financial Counseling, Overspending
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