Budgeting

Outside of auto loans and mortgage loans, personal loans are likely the next type of loan you would use as a consumer. A personal loan is a type of unsecured loan, which means there is no collateral held in the event that you cannot pay back the loan. Generally, a personal loan is a form of credit that can help you make a large purchase or consolidate high-interest debt, but they can serve a number of other purposes as well.

Here are some common reasons...

Just the thought of retirement can be both exciting and terrifying at the same time. It’s what you’ve worked towards for your entire life, but it comes with many unknowns. You’re sure to be wondering if you’ve saved enough, can afford your expenses moving forward, and whether you’re truly ready to move into the next stage of your life.

The reality is that when it comes to retirement, many are unprepared due to a combination of increasing...

If 2020 taught us anything, it was to maintain an emergency fund, ready for when we need it most. An emergency fund is an amount of money set aside to cover unforeseen expenses, or, the extra money that is set back to cover basic expenses when there are drastic changes to your income. Emergency funds can be used for small emergencies or extreme emergencies. How much a person needs in an emergency fund is unique and varies based on personal circumstances. Common reasons that...

Here we go...another new year, another round of resolutions. Whether you’ve decided your New Year’s Resolution will again be to lose those 10 pounds, organize your office, or learn how to speak a new language – on your list of “things to do” in the New Year should also include giving your finances a check-up!

The start of a new year is a great time to review and re-evaluate your budget. It’s easy after the end of the year to gather...

We’ve all been there, whether it be an accumulation of credit card debt, getting behind on bills because of a job loss, or so many other scenarios. Debt can add up quickly and it can be overwhelming. It’s easier to stay out of debt by making simple changes, than digging your way out. Here are 10 things anyone can do to stay out of debt, and that means you too!

Going to college is a whole new experience for most teenagers. It’s a whirlwind into adulthood and figuring it all out takes time! Something we feel is important to share with young adults getting ready to go to college is that you can still have a memorable college experience without spending a ton of money! It’s all about budgeting and being skillful in the way you choose to spend your money.

First things first – where are you getting your spending...

The COVID-19 crisis has affected every single one of us, though it’s level of impact varies. Some of us were financially prepared for a situation like what we just went through, others were not. For all of us, now is a great time to assess where we were, where we are, and where we want to be in our financial lives as we recover from the COVID-19 pandemic.

Financial prosperity in a post-crisis world may seem unlikely or even unattainable. If you’re finding that it's time...

Consider this question: Whether good or bad, what has put you in the financial place you are now? Was there been a lack of a budget throughout the previous year? Did you keep up with your budget until the holidays, but then splurge a little? We want to help you plan, budget and set goals in the new year.

Clean Up and Sell Some Stuff

A new trend is if something doesn’t...

In just a few short weeks, calendars will turn to 2020. Although you have a more time to be irresponsible with your money, doesn’t mean you should. If you have plans for financial resolutions in the new year, why wait? Start now!

CSE has tools to help you reach financial goals in the new year. Whether that is simply being wiser with your money and setting a budget, or something larger like consolidating debt for less financial stress, we can help.

Budgeting

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