So NOW What?

January 25, 2018

You’ve done it.  You set a goal and, after years of work, have finally accomplished that goal.  That’s right, you finished your college degree.  With that accomplishment comes another question.  “So now what?”  That can be a pretty loaded question.  Does it include career?  Just finding a job?  Location?  Home purchase?  Relationship?  Family?  Vehicle?  More education?  Vacation?  There is a lot of think about when you ask “So now what?”.  While these all matter, I have one more question you need to ask your self –

“So now what about my student loans?”

Unfortunately, many people respond with, “What do you mean?  I just start paying them…. or something…. at some point in time….”  Well, yes, that’s true.  BUT THERE’S SO MUCH MORE! Read the rest of this entry »

Confession Time

January 12, 2018

All right, I’m not even Catholic, but it’s time for a little confession.  In our department, we have committed an act of which we speak hesitantly in public.  We are all in on it and equally guilty.  We have high hopes and yet are quite unlikely to actually see any return.  Yes, we who are so focused on credit counseling and building financial stability, are all together in a lottery pool.

And WE’RE OK WITH THAT! Read the rest of this entry »

Rethink That White Picket Fence

November 30, 2017

My in-laws have decided it’s time to make a move.  It’s just the two of them and a small dog in their spacious 3 bed, 2 ½ bath home on a corner lot.  They’ve made a decision that a lot of people in their generation are making.  They are ready to downsize to a townhome.  When I first started selling homes here in Sioux Falls, that’s exactly what townhomes were – the first step of retirement housing in that gradual journey to the nursing home.  Now let me be clear – in no way am I implying that my in-laws are that old.  I’m just sharing why they made the choice they have…… I mean…….uh, anyway……..  While this is still the case for some people, the typical townhome buyer is changing.

If you are dreaming of your very own single-family, picket fence bird housestand-alone home with the white picket fence, you may want to rethink that regardless of your distance from the nursing home. Read the rest of this entry »

Dream Series – 5 Steps to A Black Christmas

November 2, 2017

Cheesy as it may be, it’s a tradition.  Sometime in the next two months you will hear it.  “IIIII’m dreaming……… of a whiiiiiite… Christmas….”  Come on now, everybody loves a little Bing Crosby at Christmas.  As sentimental as a white Christmas may be, there are a lot of people dreaming of a black Christmas too…… or rather, a Christmas in the black.

christmas-presentsI think most of us dream of making Christmas magical for those around us.  There are a lot of ways to do that.  It could be anything from waking Christmas morning to find stockings stuffed and a new toy train going around the Christmas tree to a new tradition of Christmas on a warm, sandy beach under a palm tree.  Either way or any in between, it’s probably going to cost you. Read the rest of this entry »

CFR Student Loan Boot Camp

October 25, 2017

The Center for Financial Resources’ “Student Loan Boot Camp” class helps borrowers take control of their student loans.  A one-hour class, you can attend in-person over your lunch hour or by video conference wherever you happen to be.  The session covers locating loans, understanding loan types, payment plan options, loan consolidation and more!  Student Loan Boot Camp is offered the third Wednesday of each month.  You can register via the calendar link at or by calling 888-258-2227.


Dream Series – That New Ride

August 31, 2017

If you are anywhere NEAR my generation, you’ve watched “The Price is Right” more than once.  Maybe not an entire episode, but at least segments of it.  Come on, who can’t resist Plinko?!?  A close second to that level of excitement was when the announcer (Rod Roddy, if you are my era), was asked what’s behind the curtain.  “Well, Bob, it’s…… A NEW CAR!”  And everybody went wild.  The really good ones were when the contestant playing the game flat out ended up on the floor in excitement.  That’s some good entertainment right there. Read the rest of this entry »

Dream Series – Building the Nest Egg

August 24, 2017

I’ve got some crazy dreams for my life – let me tell you.  I would love to travel more, have a little bigger house, buy a pick-up again, have a small sailboat, build a strip-built kayak, go back to school for a master’s….. oh, there is so much I could do.

If you can’t tell, I can easily be a spender.  Even as a ‘certified consumer credit counselor’, spending money could easily become a regular habit for me.  That’s why I always appreciate clients who specifically state ‘saving more money’ as one of their personal goals.  And when they say it, I have to agree, that sounds like a good goal for me too.  Yeah, sure.  I want to save more money too.  Read the rest of this entry »

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