When my daughter came to me asking what camps she will be in this summer, and where we will be going for our summer vacations? I immediately thought about what all of this would cost especially with the other costs of things to do around the home and things I wanted to do for fun. Later that night my wife “told” me that we would be doing some major upgrades in the home and purchasing anew vehicle. I knew that my credit card will be taking a beating and recovering will not be that easy. My first thought was how could we use the significant equity in our home, especially since the value has gone up so much, without breaking the bank! Having a financial partner like LM Financial Services is integral in order to create positive financial changes in one’s life without exposing yourself to situations that could hurt you. I know that I can get the money I need to have a great summer and by next summer close out that account and be ready to do it again. Understanding your financial choices is key in building a strong financial present…and future.