Money Monday - Martin Luther King, Jr., a Man of Great Words

Mon, Jan 15th, 2018

Money Monday - Martin Luther King, Jr., a Man of Great Words

Today we celebrate the life, accomplishments, and dreams of Martin Luther King.  While Dr. King’s life’s mission was to abolish racism and bigotry, much of what he said can be applied to our financial lives.

We thought it fitting to celebrate his memory by listing some applicable money quotes. Some of these quotes are loosely applicable to personal finance. If the relationship of the two isn’t readily clear, they’re certainly applicable in other aspects of our lives and still worth the read on this day.  We would all do well to embrace Dr. Martin Luther King’s message and mission.  Center For Siouxland Certified Consumer Credit Counselors can help you become financially liberated.  Give them a call at 712-252-1861 ext. 47 for information or to set up an appointment.

Inspiring Quotes

1. Life’s most persistent and urgent question is, ‘What are you doing for others?’

2. Faith is taking the first step even when you don’t see the whole staircase.

3. Human progress is neither automatic nor inevitable . . . Every step toward the goal of justice requires sacrifice, suffering, and struggle; the tireless exertions and passionate concern of dedicated individuals.

4. The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.

5. We must accept finite disappointment but never lose infinite hope.

6. Nothing in all the world is more dangerous than sincere ignorance and conscientious stupidity.

7. The function of education is to teach one to think intensively and to think critically.

8. The time is always right to do what is right.

9. Change does not roll in on the wheels of inevitability but comes through continuous struggle.

10. Every man must decide whether he will walk in the light of creative altruism or in the darkness of destructive selfishness.

11. All labor that uplifts humanity has dignity and importance and should be undertaken with painstaking excellence.

12. The quality, not the longevity of one’s life is what is important.

13. Whatever your life’s work is, do it well. A man should do his job so well that the living, the dead, and the unborn could do it no better.

14. Whatever affects one directly affects all indirectly. I can never be what I ought to be until you are what you ought to be. This is the interrelated structure of reality.

15. Rarely do we find men who willingly engage in hard, solid thinking. There is an almost universal quest for easy answers and half-baked solutions. Nothing pains some people more than having to think.

16. We must use time creatively.

17. Philanthropy is commendable, but it must not cause the philanthropist to overlook the circumstances of economic injustice which makes philanthropy necessary.

18. Property is intended to serve life, and no matter how much we surround it with rights and respect, it has no personal being. It is part of the earth man walks on. It is not man.

19. Never forget that everything Hitler did in Germany was legal.

20. A nation or civilization that continues to produce soft-minded men purchases its own spiritual death on the installment plan.

21. There is nothing more tragic than to find an individual bogged down in the length of life, devoid of breadth.

22. Pity may represent little more than the impersonal concern which prompts the mailing of a check, but true sympathy is the personal concern which demands the giving of one’s soul.


Fun at Bridges West Transitional Housing

Thu, Jan 11th, 2018

Center For Siouxland staff and volunteers participated in Cosmic Kids Yoga and Bowling at Bridges West Transitional Housing on Monday evening.  Everyone had a great time!


Center For Siouxland Received a $1,500 Grant from the Lions Club for Prescription Assistance!

Tue, Jan 9th, 2018

Center For Siouxland Executive Director, Jonette Spurlock, is shown accepting a $1,500 grant from Ann Hill with the Sioux City Lions Club. The money is designated for Center For Siouxland's Prescription Assistance Program. Thank you Sioux City Lions Club for your generous donation!  Click on the News stations KCAU and KMEG to watch videos of this event!


Money Monday – Celebrating Valentine's Day On a Budget

Mon, Jan 8th, 2018

Money Monday – Celebrating Valentine's Day On a Budget

We all want those we love to remember and appreciate us, and Valentine’s Day is a good opportunity to do exactly that.  Still, it’s possible for you to acknowledge the special people in your life without overspending; it just takes a little ingenuity and planning. In fact, no matter what day or event you are celebrating, a little creativity can go a long way.  

To stay within budget, you must first agree on what you can afford to spend. While it may seem counterintuitive to talk about what you want to spend on each other on a day devoted to love, nothing is as unromantic as debt. Stick with cash so that you can fully enjoy your gifts to one another without worrying about making payments for months down the road. 

With your budget in mind, consider what the gift recipient likes or appreciates. It’s easy to get swept away by the idea of grand gestures, but gifts that quietly proclaim, “I know you” are often more memorable than their showy counterparts.  It’s also easy to default to a bouquet of flowers or box of chocolates, but if these gifts won’t appeal to your special someone, you’d be better off spending your money elsewhere. 

If your special someone enjoys the outdoors, consider scheduling an activity such as sledding, ice skating, hiking, star gazing, or ice fishing that the two of you can do together. If he or she loves gardening, how about a new pair of gloves, with a few packets of seeds tucked inside? If you have a bird lover in your life, a new field guide or feeder may be just the right gift. An avid hunter might appreciate a gas-powered hand warmer that fits in his coat pocket or a new pair of wool socks to keep his feet warm. 

Does your special person like treats?  Consider a date for coffee or dessert at your favorite restaurant or be bold and make dessert yourself.  Even buying a favorite kind of candy and including a handwritten note can go a long way toward making your partner feel loved and appreciated. 

If the one you love is sentimental, write about a favorite memory you share, make a photo book of cherished moments, or frame a special treasure in a shadow box. Have an engineering print (a giant black and white poster) made of a photo that recalls happy memories—a childhood home, a favorite place in nature, or a beloved pet. 

A stay-at-home parent might appreciate a day away from the house all to him or herself.  An antique-lover may enjoy a free afternoon to peruse all his or her favorite shops. A sports fan may appreciate an uninterrupted evening to watch a game. Get a writer a box of his favorite pens and a new notebook, an avid reader a book she has on her wish list, or the chef of the house a set of gourmet salts.

With a little bit of planning and creativity, you can express your love and appreciation in a simple, yet memorable way.  If you feel you need help with your finances, Center For Siouxland’s Consumer Credit can help.  For more information or to make an appointment with one of our certified counselors call our office at 712-252-1861 extension 47.  Hilda will be happy to help you!


Expert tips to keep 5 resolutions year-round

Tue, Jan 2nd, 2018

The Sioux City Journal published a story that included Center For Siouxland's, Lori Scott.  Click here to see the rest of the Sioux City Journal article Expert Tips to Keep 5 Resolutions Year-Round.

The average American household carries $137,063 of debt,   according to the Federal Reserve. That's more than twice the median household income in 2016.

Lori Scott, a certified credit counselor at Center For Siouxland, said credit card debt and medical debt are the main types of unsecured debt that the majority of people have, while automobile and mortgage payments are common secured debts. 

If you're buried in debt, how do you even begin to dig yourself out?

Scott said you can start by creating a budget. If you need help, Center For Siouxland offers free financial counseling services.

Tracking your spending for a month, Scott said, will help you identify places where you can cut back. If you've racked up a lot of charges on your credit cards over the holidays, Scott advises limiting spending to groceries and gas for a while. Stop eating out or picking up coffee on your way to work. Scott said you'll be surprised how much money you can save.

"People will stop to get gas and run into the gas station and get a pop and a candy bar," she said. "You think it's not that big of a deal because it's only $4 or $5, but that adds up if you're doing it every day."

Scott recommends having a minimum of $500 to $1,000 set aside for emergencies before paying off debts. Then, when emergencies arise, she said you won't be dependent on credit cards. When you're in a position to start paying off your debts, she said you should strive to pay off as much of the smallest debt as you can and make minimum payments on your other debts.

"Once that's paid off, you take all of the money you were paying toward that and pay it toward the next smallest debt," she said. "You want to get your balances down below 30 percent of what your available credit is on your credit cards. Of course, zero balances are the best."

With income tax time just around the corner, Scott said you should plan to put a portion of your refund, if you get one, into savings for emergencies. Allocate a small amount to purchase "something fun" and use the rest to pay down debt.

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