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Changing Lives Today

Can spending make you sick? Maybe, maybe not. But there are always consequences for spending. Some are good and some not so good. Do you think ahead beyond the immediate gratification? Do you have a plan for your spending? Here is why you should think each purchase through before you finalize it.

Let’s talk about statistics!  How would you feel about odds of 4 out of 10?  5 out of 10?  Maybe 3 out of 10 is better.  How about 2 out of 10? I know, it’s hard to know which is better if we don’t know what the odds are for.  If we are talking your […]

Fireworks.  Picnics.  Trips to the lake.  Family.  This weekend is going to be awesome!  After all, how often does the 4th of July fall on the weekend?  I’m sure you have plans, even if those plans are extra pay for working a holiday. There are so many things that come with the 4th of July […]

It is becoming more and more common for couples to keep separate finances. That may be a mistake for many couples. Aside from the reasons why they are keeping finances, here are some reasons you may want to unify your finances within the household. It may have a significant impact on more than just your finances.

Determined to keep providing English classes the education department at the Center for New Americans built an online program.   The teachers at the Center for New Americans put their students first. So saying, with all the life changing events in the past few months, the teachers were determined to keep their students well being […]

Everyone involved in adoption needs to be aware of the seven core issues of adoption – grief, loss, rejection/ abandonment, mastery/control, guilt/shame, intimacy/trust, and identity.

With June being National Home Ownership Month, there is a lot of information about why you should buy a home. For the sake of a balanced discussion, here are some reasons you may not want to buy a home. It may not be the right decision for you. That is fine, as long as you make in informed decision.

The lobby at the Center for New Americans is usually filled with chattering students laughing and visiting before going to English class, but for the past month, it has been filled with staples like oranges, potatoes, flour, rice, beans, and onions. Our Direct Service Staff has spent countless hours buying, sorting, packing, and delivering food.

As things begin to reopen after the COVID-19 pandemic, how will you approach that? Do you have a plan? Or will you have that emotional release that often leads to overreaction? Beyond the pandemic, this applies to most financial crises. Your measured response can greatly reduce the overall financial impact.

LSS Pregnancy Counselors help clients decide what is best for themselves and their baby in a non-judgmental non-coercive setting.

Today, we want to introduce you to a few more of our 2020 LSS Outstanding Mentors! While were were not able to celebrate them in person, please take a moment to read more about these special people. Cathy Brechtelsbauer, Mentor at Patrick Henry Middle School Cathy is diligent in making her Wednesday meetings every week […]

The results of the NFCC’s annual Consumer Financial Literacy Study are in and there are some good trends and some concerning trends. Particularly concerning are the rates at which people face barriers to home ownership. Let’s talk about those barriers and how easy they may be for people to address.

We’ve shown you the medical workers who ran a COVID-19 test site, but there were other key individuals to make it work. For about a week, Smithfield Foods employees and their families lined up in the Washington High School Parking lot.

Please “meet” the 2020 Outstanding Rookie Mentor nominees! We hope to someday appropriately celebrate these individuals in person. Until then, please send them a virtual high five on a job well done! Nadine Benjamin, Mentor at Hartford Elementary Nadine quickly developed a relationship with a little girl who loves and looks forward to her visits.

Do you balance your account beyond just checking the balance? Here is why you should and how you go about that. Balancing your checking account could mean more money in your account. Use a checkbook register and protect yourself in an easy, free way.

Crisis is usually viewed as a negative thing and there is certainly more than enough crisis going around right now.  There is, however, a certain response that usually comes with a crisis.  It’s probably not going to magically make the crisis a positive thing, but at least maybe make lemonade out of a lemon.

The coronavirus pandemic isn’t just impacting our physical health, it’s also causing mental health issues.

Meet Ramsey, child of two essential employees who is spending her days with LSS Childcare & Education Services. At LSS, we are meeting the needs of essential personnel by continuing to provide high-quality childcare through the pandemic.

Families are encouraged to document foster youth’s histories with their birth families and celebrate milestones like sports, school or holidays that occur while the children are with their resource families.

Being the planners that we are, back in January when we were scheduling blog posts, the one for April 24 was going to be a slam dunk, easy one – 2020 Mentor Appreciation Breakfast Recap. We were going to share our emotionally charged stories, videos and messages shared at the event that was set for […]

Today’s Front Line Hero is Lutheran Social Services of South Dakota (LSS SD) for their creative solution to supply their community with much needed protective equipment.

by Tricia Warner, CSW-PIP Clinical Therapist, PATH Program, LSS Behavioral Health Services, Sioux Falls The COVID-19 virus has changed all of our lives. We are social distancing by staying six feet apart from each other. We are postponing holiday gatherings. We are visiting our older loved ones through windows. We are wearing masks to the […]

Whether you chose to parent or place your baby for adoption, it is important to have emotional support either way.

COVID, distancing, and quarantines are bringing so much uncertainty. With layoffs, furloughs, and loss of income, an emergency budget may be needed. It may not be exactly what you want right now, but it will help you get more of what you want in the nearer future. Here’s the what, how, and why.

Lutheran Social Services is taking time during the pandemic to show kids in their daycare how to make personal protection equipment. “We want people to stay healthy.” Berndt said.

It can be difficult to see the positives right now, but they do exist. Here are some things to help you find positives in your life and in your personal finances. Look deep and work with reality.

by Tricia Werner, CSW-PIP Clinical Therapist, PATH Program, LSS Behavioral Health Services, Sioux Falls The Coronavirus (COVID-19) has caused great stress and a need for adaptation for even the most well-adjusted in our society. Consider those who have mental illnesses or addictions. For example, living with an anxiety disorder, depression or alcohol addiction can make […]

Too often dismissed, today we honor the penny. More importantly, we pay attention to all of the pennies that we spend without paying attention. Tracking even the pennies can make a big difference in our budgets.

As finances become uncertain during the pandemic, student loans may provide options that will allow people to better control their finances while staying current with student loan finances.

At LSS Mentoring Services, our work to “empower people to succeed by establishing trusting relationships with volunteers” is not something that is possible in the formats that we are accustomed to. We also know that there are urgent needs and many unknowns for people to wrap their heads around.

With the current pandemic quarantine, personal finances will be a challenge. Here are five initial things you can do to help minimize that impact on your life as we all focus on prevention and then recovery.

If you are looking at monitoring your credit reports and scores, you may be wondering where to start. One popular option is Credit Karma. But is it really a good place to watch your credit report and credit score? To make that decision, you need to know what it actually offers. Here is the beginning of that conversation.

Podcast: Dr. Joel Allen, Biblical Conversations

Podcast: Dr. Joel Allen, Biblical Conversations

For the past seven weeks, a group of students at the Center for New Americans have been studying math, measurements, workplace safety, and engineered film production and technology.  All this, five days a week for two hours a day. Why? In the hopes of getting hired in the Engineered Films department at Raven Industries.

Lutheran Social Services is one of the 2020 Avera Tradition of Caring recipients. Michelle Madsen is with LSS Mentoring Services and Shane Matthys is a mentor. They are here to tell us more about their programs and how you can start empowering young people to succeed.

Khadija Sediqi is currently a student in our English classes, but, really, she is much more used to being at the front of the room, teaching. A woodcarving teacher, specifically, and a very talented one at that. Khadija became interested in the art of woodcarving because of her mother.

On January 27, Sioux Falls Mayor Paul TenHaken announced a new initiative called Sioux 52. This initiative aims to mobilize 520 organizations across the region to support mentoring opportunities. It recognizes the power of people helping people – and LSS is proud to be part of this effort!

Savings.  It is a single word that can strike fear in the hearts of many Americans.  I think most people understand that savings are something they probably should have, but so many people still struggle with it.  Maybe it’s having the money to set aside.  Maybe it is the discipline to keep getting it done.

Thanks to a generous donation from youth groups from St. Michaels Church, children in foster care across South Dakota are going to receive a special duffle bag. St. Michaels Church partnered with Together We Rise and Sweet Cases to create unique bags for children in care.

How are you celebrating Valentine’s Day? What are you celebrating on Valentine’s Day? Here are a few thoughts to help you keep centered on a day that can be a blessing. Sometimes our getting carried away can take us away from our priorities and put us in a challenging spot.

Closing costs. Mortgages. Contract. Amortization. Do these terms seem difficult to understand? Would you like some help as you prepare to buy your first home? If the answer is YES, then the LSS Center for New Americans invites you to join our new Homebuyer Class!

Through a new partnership between LSS Mentoring Services and the Sioux Falls School District Early Childhood Program, mentors are now able to meet with some of the littlest learners in town! LSS mentors are now able to meet with students in Head Start at either Lowell or Laura B. Anderson elementary schools.

There is quite a bit of talk about identity theft. Do you know the closest threat of identity theft? It may be a whole lot closer than you know or even want to think about. In this blog post, we talk about why and what you can do to protect yourself from this specific threat.

While many people put off filing their income taxes, you may want to do that as soon as possible. With 5 different reasons listed, you will probably find at least 1 or 2 that speak to your situation. Filing sooner may just help you with your other goals and dreams.