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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

Don’t Let The Allures of Summer Bust Your Budget

We’re flashing back this Friday to Dan’s post about keeping summer affordable… Up here in Duluth, MN, it’s basically summer (or at least an approximation of what summer generally looks like in this part of the country.  It’s a bit

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Posted in Budgeting, Overspending

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

How to avoid being broke all summer

Summer is warm weather, barbecues, spending time outside, and for some reason spending more money. Because it’s finally warm after a long and cold winter and spring, I try to fit in doing more things – which also usually costs

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Posted in Being Frugal, Entertainment, Financial Wellness

How you can stop being broke all the time

“I just got paid and I’m already broke.” Does that sound familiar? There are tons of memes that revolve around that first sentence; that’s how you can tell it’s a widespread and shared problem. However, it is possible to get

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Posted in Budgeting, How to Guides
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