Renting or Owning: Financial Benefits of Each Option
Not long ago, the experts agreed that buying a home was, without question, the smartest financial decision for anyone in the market to move. Today, however, renting is back in vogue, and not because...
View ArticleLoans vs. Credit Cards: What’s The Difference?
When you are struggling with debt, the difference between various types of loans, credit cards and other debts can seem small. But, in reality, there are a few big differences between some types of...
View ArticleWhen It’s OK To Apply For Loans
If you’ve ever felt overwhelmed by debt or had to struggle to repay loans, you might be hesitant to repeat the process of borrowing money, ever again. But, not every loan is necessarily a bad loan, nor...
View ArticleSecured Debt Or Unsecured Debt – Which Is Best?
If you are starting to build your credit history by applying for your first credit card or if you’re working towards rebuilding your credit score after some hard times there are several options...
View ArticleDebts and Savings: How to Pay and Save at the Same Time
Your credit card debt has an interest rate of 22 percent. Meanwhile, your savings account is offering an interest rate of just one percent. It can seem that focusing all your efforts on paying off your...
View ArticleMisconceptions About Credit Counseling
When you are dealing with debt, there are plenty of people and agencies who genuinely want to help you. Unfortunately, there are also just as many companies who are interested in profiting from your...
View ArticleCredit and Debit Cards: Which One, if Either, You Should Ditch
If you know your spending needs to change but you don’t know where to start, take a look at how you’re using credit and debit cards. One may be hurting your progress more than the other. To Your Credit...
View ArticleAttention, Young Adults: 8 Money Tips You Need to Know Now
The transition from childhood to adulthood may in some ways seem like a long, drawn-out process. Many times, you may feel like you still have one foot in the door of your parents’ house. At some point...
View ArticleMissing a Bill: What Happens Next?
You are about to fall asleep when you snap wide awake. You realize that you forgot to pay your credit card bill—which was due five days ago. Or, you remember your mortgage payment due date is coming up...
View ArticleHow to Help a Friend Who Is Struggling Financially
Most of us know someone who is struggling financially and can’t seem to catch a break. Whether trouble comes from external circumstances or their own doing, everyone has a friend or two who has a...
View ArticleHow To Get Out of Debt: Is Debt Consolidation Worth It?
When you’re faced with mounting bills, it’s hard to know where to turn or what to do. Beware of pitches you may hear that promise you can pay just pennies on the dollar (no matter how much debt you...
View ArticleDecorating Your First Home Without Debt: 6 Ways to Express Yourself For...
You’ve done it! You’ve survived the home buying process. The pre-approval, the search, negotiations, home inspection, the closing date and moving day are finally behind you. Whew! Now the fun part:...
View ArticleYour Credit Counseling Session: How to Make the Most of It
Many people who seek a credit counseling session really only need budgeting help. When you have tons of bills due each month, it’s hard to know which to prioritize first. That’s why it’s important to...
View Article5 Steps to Pay off Your Debt Starting Today
The hardest part about paying off your debt is often finding out where to start. We’re here to help you take the first step towards becoming debt free. I know firsthand how hard it can be to pay off...
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Why Choose CESI For Debt Relief?
Experiencing debt and aren’t sure where to turn? CESI helps people just like you every day -- people who want to escape the stress of living with debt. Finding a helping hand isn’t always easy. Lean...
View ArticleDebt Consolidation Loan vs. Debt Management Program: A Side-By-Side Comparison
Financial trouble due to past events can be frustrating. Whether your debt built up from misinformed decisions, unintentional missteps, poor judgment or even a lapse in self-control, the past is behind...
View Article10 Tools to Get Out of Debt
Managing Debt with Tools So, you’ve made the decision to manage your debt. Congratulations! Now what? Do you have the tools to get out of debt? Before deciding which tool to pick up, take a quick look...
View ArticleCESI’s Financial Education Programs: Your Key To A Bright Financial Future
Getting out of debt is a huge achievement, but staying debt-free is arguably even harder. Ask anyone who’s dug out -- good financial habits are harder won than that zero balance. Thankfully, CESI is...
View ArticleThe Facts About Shopping Addiction
What Is Shopping Addiction? Compulsive shopping (shopping addiction) is a very real addiction affecting millions, yet many people take it lightly or deny its existence -- after all, shopping is a...
View ArticleDebt Relief for Single Parents
If you’re raising children as a single parent, you’re not alone. A 2013 survey from the Pew Research Center found that 34 percent of children in the U.S. live with just one parent at home. Single...
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