Sense & Centsibility Blog

Do you have an empty wallet from Black Friday?

Last week I wrote about shopping on Black Friday and how to decide if it's worth it. If you missed that post or just decided to go for it and shop and deal with the consequences later, this post is for you.Black Friday = empty wallet?

So what next?

If you got some amazing Black Friday deals and put those items on a credit card, you need to figure out the best repayment method. If you're getting charged interest, it's best to pay off the credit card/s as quickly as possible. One way to do this is through a Debt Management Plan (DMP) with a nonprofit organization like us, LSS Financial Counseling. A DMP will help you pay off your cards much faster than making the minimum payment and it will save you money likely both in the short- and long-term.

Will Financial Counseling really help me?

Meeting with a financial counselor will help you determine if a DMP is right for you or if there is a better repayment option for your individual situation. The counselor will first create a realistic budget or spending plan with you to get a big picture of your overall finances. Then, the counselor will go over your repayment options for all debts that you might have, including student loans. While you can't put student loans on a DMP, we have experienced financial counselors that will help you navigate them and figure out the best plan of attack for you.

Do I have to drive to an office for an appointment?

Nope! The beauty of our free financial counseling is that you can do it over the phone or in person any business day. Or, if you are busy during the week, there is an online option which is available 24 hours/day, 7 days/week. To get started online, click the button below:

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If you'd prefer to meet with someone over the phone or in-person, give us a call at 888.577.2227.

If you overspent on Black Friday, it's okay...we can help you get back on track. Take charge of your finances today! LSS Financial Counseling empowers people to conquer their debt, gain financial stability, and achieve financial goals.