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Are You Unbanked? Here is What to do About it.
Most Americans have access to a bank account, directly depositing their paychecks each month and digitally paying their bills from it. But not every adult has that advantage. According to the Federal Deposit Insurance Corporation report, or FDIC, about 7.1 million U.S. households are unbanked. These are individuals with no access to a checking or […]
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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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What’s the Deal with Credit Boosting Products?
Are you a target? If you’re on a list that targets people with credit challenges then you’ve likely been pitched products that are promising to boost your credit score. The ads read: How to Improve Your Credit Score 100 points in 30 days! Raise your FICO score instantly and buy a home next week! Raise […]
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How to Get Your Credit Card Debt Under Control During COVID
Racked up credit card debt during COVID? Here’s what to do now If your credit card debt grew out of control during the pandemic, you’re hardly alone. Some 51% of U.S. adults with credit card debt added to it during COVID, according to a new survey from CredtCards.com. And nearly half of those people blame […]
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What is a Credit Builder Loan and How Does it Work?
A credit builder loan is a financial product best suited for consumers without a credit score or those with low scores. They provide an opportunity for those just getting started to build credit or for those with a negative credit history to demonstrate a positive payment history. Credit builder loans are typically not offered by […]
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Why Non-Profit Debt Relief Matters
If you’re looking for non-profit debt relief, you may have noticed that there are a lot of companies and services competing for your attention. In the online space, there are many competitors offering debt relief options. Some of them are helpful and some could take advantage of you during a vulnerable time. So how do […]
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How to Cut Holiday Shopping Costs and Avoid Holiday Debt
Americans will spend, on average, $805 on Christmas gifts this year, down from $942 in 2019, according to a new poll from Gallup. Nearly 30% of Americans say they plan on spending less on holiday gifts this year than last year. The drop and desire to cut holiday shopping costs is, no doubt, in large […]