Education & Community

Financial Education Blog

In this section, we store all of the great information that you need to keep your finances in check. It is populated by facts, suggestions, and advice to keep your finances on target!

Give Me Some Credit Here: Top 5 Cards for People With Bad Credit

Is your credit score hovering somewhere between 300 and 600 (the range that commonly gets defined as “bad credit”)? Do you cringe whenever your credit report gets pulled? Are you looking for a quick and painless fix to your credit problem? Well…I don’t have it. What I do have is five credit cards tailor-made for people with bad credit that will help you, over time, to rebuild your score.

Posted on Jul 27, 2010 - 03:24 PM by Ari Jay

You can still negotiate down your interest rates!

Would you like some insight on things you can do to negotiate down your interest rates? I’ll share some tips with you and tell you who would more than likely be successful negotiating those rates.

Posted on Jul 23, 2010 - 02:09 PM by ChrisN

Five Ways to Save at the Grocery Store without Using Coupons

Many people do not bother trying to use coupons at the store. Sometimes, it seems like a bigger hassle to use them, than to not. There is also an added cost of purchasing a paper each Sunday for the coupons. If you do not use many coupons, you are essentially paying to save, which is probably not a good way to approach saving. In lieu of that, here are five ways to save at the grocery store without using coupons.

Posted on Jul 22, 2010 - 02:04 PM by Selena

Go To Websites If You Need Money For College

College is one of the biggest expenses you will face as your children grow. Here are links to two of the most comprehensive websites you’ll find to help you or your children track down money to help pay for college

Posted on Jul 19, 2010 - 02:19 PM by DBretz

Is Paying to Improve Your Credit a Good Idea?

I have spoken with countless clients who have told me that they paid an organization a large sum of money to repair their credit and got nothing. Paying any company to improve your credit or credit score is a bad idea. Why? Because everything they do for you, you can do for yourself and it cost you nothing. Here are some of the actions that a credit repair organization may do for you that you can simply do yourself.

Posted on Jul 16, 2010 - 03:47 PM by Selena

What a DMP did for me. You really have to read this.

This is a true story of a CESI client. With her permission, I asked if I could share her encounter with those that have doubts about the program. I asked her to submit me an email to set aside the misconceptions of what a (DMP) Debt Management Program is.

Posted on Jul 15, 2010 - 02:30 PM by AJohnson

Fact And Fiction. What Will And Will Not Affect Your Credit

There are a lot of myths and rumors that circulate about credit scores. Here is a quick rundown to clear up some common misconceptions about what might bring down your credit score.

Posted on Jul 13, 2010 - 02:56 PM by DBretz

Five Ways to Pay Your Debt Off Quickly

Credit card debt can be a monster that rears its ugly head for a very long time. Maybe you have had the same balance on your credit card for the last five year. Come on, be honest. You know you have. Here are five tips that can help you jump start your debt payoff and help you to finally get that balance paid off for good!

Posted on Jul 09, 2010 - 02:48 PM by Selena

Things you should know about paying for college.

The college years can be a stressful time financially speaking. This post will give you some simple steps to follow when it comes to paying for college.

Posted on Jul 09, 2010 - 02:00 PM by ChrisN

Is my child ready to learn about spending money?

Since young adults are falling into debt earlier in life it’s time to consider teaching our little ones about money. They need to have that foundation rock solid before turning 18. How can you start giving money lessons to your kids?

Posted on Jul 08, 2010 - 03:27 PM by Robyn

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About the Authors

The Financial Education Blog is written by a variety of experts employed with CESI Debt Solutions. Our blogging team keeps their finger on the pulse of the financial world, while continuing to expand their expertise in a variety of areas related to your financial well being.

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About CESI

CESI is a not-for-profit organization for consumers in search of financial independence and freedom from debt. We offer a wide range of services from debt management to credit counseling to financial education. And We're dedicated to helping you find the debt solutions that work for your situation. More...