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12 Out-of-the-Box Ways to Vacation at Home
That dream vacation to the beach, theme park, or quiet mountain retreat might be out of reach right now, but that doesn’t mean you should just plow through the year at work, letting your vacation days go to waste. Studies show again and again that stepping away from work can translate into all kinds of […]
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To Bank or Not to Bank (We Have Questions) Part 1
North Philadelphia, Born and Raised… The term unbanked is described informally by the FDIC (Federal Deposit Insurance Corporation) as individuals who do not use banks or banking institutions in any capacity. They generally pay for things in cash, by money orders, or prepaid debit cards. Being underbanked means an individual may have a bank account […]
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Is Minimalism Right for You?
When my husband and moved about eight years ago, we decided to get a storage pod so that we could pack at our leisure. Since we were both working, I thought this was a great idea. When my husband’s grandmother died, his mother inherited her things. When his mother passed away, we inherited all of […]
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The Importance of the Decision-Making Process
Decisions, decisions, decisions Every day we make dozens of important decisions. COVID-19, the subsequent lockdown, working from home, and schools being closed/open/closed/open, have worn us down. We just want to tick items off our list to stop the agitation. We’re all tired! Decision fatigue refers to the deteriorating quality of decisions made by an individual […]
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Apps For Your Finances
3 apps that can help you shore up your finances When it comes to managing your finances or looking for a new job or side gig, everything can be at your fingertips with the right apps on your smartphone. And at CESI Solutions, we’re especially excited to highlight a few of our partners who are […]
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How to Protect Ourselves from Scams Part 1
A City Called Nub As a devotee of all things true crime for about twenty-five years, it’s hard for something to shock me. Enter Nub City, aka Vernon, Florida, in the Texas panhandle. Vernon had two-thirds of the entire nation’s accidental dismemberment insurance payouts. Almost all of the residents of Vernon had taken out insurance […]
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Do You Need a Four-Year Degree for a Good-Paying Job?
Living the Dream? Let me first say that there is nothing wrong with pursuing or having a four-year degree. The familiar message that most of us heard growing up was to graduate high school, go to college, and get a good-paying job. We believed that good-paying jobs ALWAYS followed a four-year college degree. Once you […]
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Reassessing Your Budget Pie Chart
As a financial literacy educator, I believe I must give all of the class attendees as many tools as I can that will help them. Among the first tools, they need to become financially successful is a budget. I know, I know, you are groaning at that word “budget” but I ask you to hang […]
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5 Ways to Prevent Senior Financial Scams
Senior financial scams are a growing problem nationwide. Your aging loved ones may have spent a lifetime saving for retirement, but they could lose it all if they fall into the hands of the right con artist. Consider these startling statistics: Older adults lose approximately $2.9 billion each year from financial scams and exploitation, according […]