If you’ve been following any of our past blog posts, you know that one of KLS Financial Services’ major goals is to help provide consumers with a solid sense of financial literacy. As someone who works in the collections industry, and as someone with a keen interest in economics and money management, I tend
In previous posts, we've discussed at length myriad ways to improve, repair, and rebuild your financial standing. But what if you're a young adult, financially fresh and only just beginning to get your feet wet in the world of self sufficiency? Navigating life on your own is unquestionably scary, and many people fall victim
It’s that time of year again, where the motivational pull to be responsible is stronger than ever. New Year’s resolutions are being made and everyone is rushing to the gym. Even though “eating better” and “exercising more” are among the most popular goals at the beginning of the year, there is another thing people
Coming from a family tradition of waking up at 4:00 a.m. on Black Friday to tackle the crowds and chaos in the ultimate shopping day of the year, my holiday season has always had a stressful kick start. The news stories and videos that surface of these shoppers on Black Friday are not exaggerated
Thanks in part to the knowledge you’ve gained from KLS’ educational tips and tricks, you’re in a wonderful spot financially – your debts have dwindled, your credit score has soared, and you’re busy building a nest egg for yourself, your family, and your future. But what happens when an unexpected financial loss sends your
Health insurance is one of the single most important consumer investments you can make – maintaining health coverage does far more than simply cover medical costs incurred from office visits and accidents; it provides peace of mind. Understanding the ins and outs of your plan will help you avoid any surprising bills and prepare
At the close of each month, my mother sits down at the kitchen table and begins her favorite ritual, a process she has dubbed “doing the receipts.” This involves an enormous, time-worn shoebox, enough paper clips and rubber bands to satisfy the organizational demands of a small office for decades, and a handwritten record
In 28 years of business, KLS has helped a lot of people through the process of paying their debts, understanding their credit scores, and building a better financial future. When opening a collection agency in 1990, Kim Smith knew that there would always be a negative cloud hovering overhead with the many stigmas associated
It's that time of year again, where the motivational pull to be responsible is stronger than ever. New Year's resolutions are being made and everyone is rushing to the gym. Even though "living a healthier lifestyle" and "losing weight" are among the most popular goals at the beginning of the year, there is another
Growing up, my family was the type to keep tradition alive. We went to the same places and did the same things every year over the holidays. As our family grew, the presents under the tree started to become more and more overwhelming, and my list of people to shop for became longer with
