Are you an over-saver?

Are you an over-saver?

Financial Planning
Nearly 1/3 of Americans are over-saving, amounting to over $300B in "extra" savings sitting in banks earning nothing. So why do we do it? CNote interviewed 100+ over-savers to find out. Here's what we learned. I know, it sounds like a funny term. Over-saver? But if you are one of the millions of Americans that have a rainy day fund, there is a high chance that you too, are an over-saver. We define an over-saver as someone who houses more than their emergency fund in their savings account. Perhaps you keep $1,000 more - or tens of thousands more. Whatever the case – you’re not alone. Nearly 1/3 of all American’s are over-savers, amounting to over $300B in “extra” savings. So why call out our propensity to over-save? Well two…
Read More
The world that we co-create

The world that we co-create

CNote, Financial Planning, Savings
What if... We lived in a world where we could vote with our dollars - in everything we do. Not just by buying a cup of coffee from the local shop we love, but by actually investing in that shop's growth and success. And what if we benefited too? Not only by feeling great about supporting our community, but actually creating financial freedom for ourselves along the way. This is what we are creating..and we hope you'll join us for the journey. We are CNote. CNote stands for co-creation. The idea that every $100...and really every $1...can be intentional and meaningful. Instead of investing in what we're told to invest in -- stocks, bonds, ETFs, whatever the next acronym is -- we invest in each other. We call it investing…
Read More