Financial Fitness

Financial Fitness is having the knowledge and skills to make informed judgments and effective decisions about money management. Financial fitness is important for survival in today’s society. Learning to develop a spending plan and to build and keep assets are key factors on the path out of poverty. 

Additional Resources
Click Here for the Four Cornerstones of Financial Literacy Curriculum.
This resource was developed through a partnership involving Lutheran Social Service Financial Counseling Service, the Minnesota Office of Economic Opportunity and the Minnesota Community Action Partnership

Go to for free online financial literacy training

National Endowment for Financial Education

University of Minnesota Extension Money Management

One-On-One Financial Counseling

One on one financial counseling sessions are available to those seeking assistance from any of Lakes & Pines programs. Contact the Community Services Department at 320-679-1800 (Option 4) to set up an appointment. 

Class schedules coming soon.

If you want to learn any of the following or other money related skills let us know.


  • Create and stick to a budget or spending plan
  • Recognize spending leaks
  • Reduce expenses
  • Save for periodic expenses
  • Establish an emergency fund
  • Read a credit report
  • Improve credit scores
  • Make a debt reduction plan
  • Identify credit scams
  • Read bank statements
  • Keep an accurate and balanced checkbook