For In-person or
Phone Counseling
CALL US
888.577.2227
 Get started with online counseling and education:

Budget/Debt Counseling
Bankruptcy Pre-Filing Counseling
Bankruptcy Pre-discharge Education

For Any Questions
CONTACT US

  
LSS Financial Counseling is a service of Lutheran Social Service of Minnesota which serves all people regardless of race, color, creed, religion, national origin, sex, sexual orientation, disability or age.
LSS Financial
Counseling Service
424 West Superior St. Suite 600 Duluth, MN 55802
1-888-577-2227  

 

LSS FINANCIAL COUNSELING SERVICE
A CONSUMER CREDIT COUNSELING SERVICE PROGRAM

  

Budget Tools

Budget Planner
Use our Budget Planner and develop a Spending Plan! It's your opportunity today to guide your life in the direction you want for tomorrow. Click here for a simple Spending Plan tool. Our Budget Planner is an Adobe Acrobat PDF file. If you need the Acrobat Reader, click on the icon below.

Scrooge-O-Meter
How long will it take you to actually pay off your holiday debts?

  
Credit Card Debt Calculator 
Discover how long it will take you to erase your current Credit Card debt:

Total Credit Card Debt	$
Current monthly payments	$
Goal: # of months you want to payoff debt
Annual Fee	$
Annual % Rate

If you would like to pay off  your total credit card debt of $
in months, stop making charges to your card.
Increase your monthly payment to $	.
Otherwise, at your current payment of $	,
you will pay off your balance in	months.