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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 […]

    March 8, 2021
  • How to Prioritize Your Bills During Challenging Times

    How to prioritize bills when you can’t pay them all If you’re scrambling to pay your bills each month, you’re not alone, especially during the COVID-19 pandemic. Learning how to best prioritize your bills during these times, can help alleviate some of those stresses. According to one report released in September, 46% of Americans were […]

    March 1, 2021
  • 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 […]

    February 22, 2021
  • What’s The Difference Between Short-Term and Long-Term Disability Insurance?

    About 25% of Americans will suffer from a disability for at least a year before they reach retirement age. And 5.6% will have a short-term disability of six month or less during their working life, according to the Council for Disability Awareness. Knowing these statistics point to the importance of understanding the difference between short-term […]

    February 15, 2021
  • Online Piggy Bank: Digital Saving Apps

    One of my most cherished childhood memories is going with my dad to the Philadelphia Savings Fund Society, a huge bank located in Center City. It was one of the tallest buildings in Philadelphia and was easily identifiable in the city skyline because the sign was a bright neon blue. The interior of PSFS was […]

    February 8, 2021
  • Treat Yourself: Frugal Self-Care Options for Valentine’s Day

    As the calendar gets closer to Feb. 14, thoughts usually turn to our loved ones as we look for ways to express our love and celebrate Valentine’s Day. But this year, more than ever, we all need to remember to take the time for a little self-care too. Frugal self-care options are essential for those […]

    February 1, 2021
  • Use What You Already Have to Save Money

    DOGGONE IT! I moved the large jar of peanut butter and found two jars of Kalamata olives. I had just purchased two more. Behind the two “found” jars of Kalamata olives, I found more peanut butter. Are you kidding me? Since the lockdown, I work from home and for some reason, I always think I […]

    January 27, 2021
  • What is a Debt Avalanche?

    When you have a lot of debt to pay off, it may make sense to go extreme — like avalanche extreme. The so-called debt avalanche repayment strategy focuses your efforts on paying off your high-interest debt first before wiping out the rest (sort of like an avalanche). Some people choose a different, but still wintry […]

    January 25, 2021
  • A New Year, A New Way

    Because I’ve been staying home more due to COVID-19, I became somewhat oblivious to when the seasons changed from summer to fall and then winter. By not being outdoors as much, I missed the normal markers; the changing of the leaves; the increasing amount of Christmas decor at malls; the red cups at Starbucks. Besides […]

    January 20, 2021
  • CESI Announces Partnership With Justine PETERSEN to Offer Save2Build Credit Builder Loan

    RALEIGH, NC  – Consumer Education Services Inc. (CESI) and Justine PETERSEN (JP) are proud to announce a partnership to provide CESI customers with an innovative product that helps reduce debt, create individual savings and build a stronger credit profile – an elusive combination for individuals struggling with consumer debt and critical elements for building financial health […]

    January 18, 2021
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