Money

5 Habits to Make & 5 Habits to Break

Did you know…The 'saying' that it takes 21 days to make or break a habit is a myth!

While there isn't a one-size-fits-all timeline, research shows on average it takes around 3 months to form a habit and even longer to break a habit. Don't let these timeframes scare you. If you want to reach your financial goals, it’s important to break your bad habits and make new ones.

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The Resolution Every Budget Needs

Have you ever asked yourself what’s the one thing you need to do to make your New Year’s Resolution of having a budget stick? The resolution that every budget needs is: COMMITMENT!

Commitment is a crucial component of building and maintaining your budget. From building an emergency fund as your financial safety net to establishing, prioritizing, and consistently tracking your expenses, do not let...

Receive Money Faster with Real-Time Payments

Real-time payments, often referred to as RTP or Instant Transfers, are a type of electronic transfer that allows money to be moved to and from merchants, vendors, individuals and other financial institutions instantaneously. The system is designed to process these transactions in real-time or near-real-time, which means that the funds are transferred and made available to the recipient typically within seconds. This is significantly...

Important Things to Know About Debt Management Companies

The overwhelming feeling of debt can take a physical, mental and emotional toll on a person. In some instances, if a person is inundated with debt that they feel they can’t get out from under, some may look at working with a Debt Management Company, or a DMC.

Always remember, if you have debt with CSE, talk to us first. We have a team of professionals in our Solutions Department...

Happily Ever After: Managing Money as a Couple

Managing money can be a significant source of stress in relationships, but with a little teamwork and some smart strategies, you and your partner can build a solid foundation for your finances together.

When it comes to talking with a spouse or partner about money, many people shy away. It can be scary—but it doesn’t have to be. Here, we’ll explore a dozen tips for practicing money movement as...

No Place Like Home Equity

Home equity is the difference between the value at which your home has been appraised (or the market value) and the remaining outstanding balance you carry on your mortgage. With the rise in home prices that we’ve seen in recent years, you may be surprised to find the equity in your home to be greater than you think. This equity can be a valuable asset that you can use in a variety of ways to improve your financial situation.

There...

Save Green by Going Green

Earth Day (or Earth Month) comes around once a year, but it’s important to consider living a lifestyle where it’s ‘Earth Day Everyday’. Did you know, with a mindset and a lifestyle where Earth Day is Every Day, you could actually be saving a lot of money?

So how can you save green by going green? Let’s dig in…

Taxes and deductions can be complicated, especially when tax credit eligibility constantly changes. For families with children, understanding what child tax credit assistance is available and how it will be distributed provides helpful insight on how best to optimize personal finances.

Recent changes to the Child Tax Credit expand its reach to help more families for the 2021 tax year. Advance payments, based on 2020 returns, began rolling out in July 2021 and will continue...

You spend your time on social media, watching Netflix, scrolling TikTok, and a number of other relaxing, yet frivolous things. Those are all great, however, we want to remind you that you need to save some time to actively managing your finances. Generally, we are more likely to keep tabs on our physical and mental health but studies have shown your finances can make a huge impact on your stress levels which eventually impacts your health. Digging into those financial matters...

As exhilarating as the idea is that you should ‘treat yourself’ on vacation, sometimes, it is probably not the right choice to make. If you don’t want to come home with sickening credit card bills, or a cash deficiency we encourage you to consider budgeting for your vacation.

Saving for a vacation doesn’t happen overnight. The best place to start is with a little account that we call a Vacation Club. This is a sub-account attached to your membership...