We’ve established the “new year, new me” ideology and accepted that change will be inevitable in 2019, but where do we go from here? With a god-like willpower and a passion for changing our financial future, let me introduce you to your neglected friend, the credit report. I’ve found in my years of working
I met Starbucks during my freshmen year of college. After long nights of studying, the only thing that got me to class on time was that $5 latte at the shop conveniently located next to my 8:00 a.m. class. After a while, my connection with that latte grew tired, a typical trait in most
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
This month, we were given a challenge here at KLS Financial: write an "I Am" poem. We wanted to give our collectors a bit of perspective so we told them to write two poems. The first would be called "I am a debtor" and the second, "I am a debt collector." Putting yourself in
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
