Podcasts about tip tuesday

Getting into great financial shape is no joke. It takes planning and intention to put together a plan that will work for your own personal journey. This is why it's important to take time to have a financial planning conversation. If you haven't taken the time to chat with a financial professional about your future, this tip will highlight a few reasons why now is a great time to do so.   Links: Learn more about Triangle's Financial Planning Services  Learn how you're doing financially with our short Financial Wellness Assessment Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.     When most people think about financial planning, a few familiar moments come to mind: that long-since forgotten New Year's resolution in January, the hectic tax season in early spring, or the rush to make moves before year‑end. But for young adults and young families especially, This month is one of the smartest—and most underappreciated—times to have a financial planning conversation.  Here's why this time of year creates a valuable opportunity to review your finances, adjust your goals, and build confidence before life gets busier.  Tax Season Is Over, and Your Financial Picture Is Clearer  By this time of year, tax season is finally behind you. That alone makes it an ideal time to step back and look at the big picture without deadlines looming.  For young professionals and growing families, this is when:  Your income details are fresh and accurate You can see how bonuses, job changes, or side income affected your taxes Any surprises—good or bad—are still top of mind  Instead of reacting to tax results, a June planning conversation allows you to learn from them. Whether it's adjusting withholding, rethinking savings strategies, or planning for future life changes, you're making decisions with real numbers in hand.  A Natural Mid‑Year Checkpoint (Without the Pressure)  June sits at a natural pause point in the year. You're not racing to hit New Year's goals, and you're not yet overwhelmed by fall schedules or holiday planning.  This makes it a perfect moment to ask:  Are we saving what we intended to save this year? Has our spending shifted as our lifestyle changed? Are we still comfortable with our debt and monthly obligations?  For young families juggling daycare costs, mortgage payments, or student loans—and young adults balancing rent, savings, and career moves—small course corrections made now can prevent bigger problems later.  Summer Spending Is Here  Summer often brings higher spending, especially for families. Travel, camps, childcare changes, weddings, home projects, and even higher utility bills can quietly strain cash flow.  Planning now helps you:  Set realistic expectations for summer expenses Decide what's worth spending on—and what isn't Protect savings goals while still enjoying the season  Instead of relying on credit cards or feeling guilty about spending later, you enter summer with clarity and intention.  Big Life Changes Often Happen This Time of Year  For many young adults and families, spring and early summer are full of transitions:  Graduations and new jobs Moves or first home purchases Growing families or childcare changes Career shifts or entrepreneurship plans  These milestones are exciting—but they also impact cash flow, benefits, insurance, and long‑term goals. A financial planning conversation in June helps you connect today's changes to tomorrow's stability, rather than reacting after the fact.  Markets and Interest Rates Don't Pause for Summer  While it's tempting to mentally “check out” once warmer weather arrives, financial markets and economic conditions continue moving.  June is a smart time to:  Revisit your investment mix and risk comfort level Review how interest rates affect your savings, student loans, or mortgage Stay focused on long‑term goals instead of short‑term headlines  For younger investors especially, planning is less about timing the market and more about building consistent, sustainable habits early.  It's Easier to Focus Before Life Gets Busier  Once summer is in full swing, calendars fill quickly. Vacations, family commitments, and back‑to‑school planning can make financial conversations feel rushed—or get pushed off entirely.  In June:  Schedules tend to be more manageable Conversations are calmer and more thoughtful There's time to consider options instead of making snap decisions  That breathing room leads to better outcomes and less stress.  Planning Now Creates Momentum, Not Panic  One of the biggest benefits of scheduling a financial planning conversation in May is what it prevents later: year-end scrambling.  By taking action now, you:  Spread decisions out over time Avoid last-minute pressure in the fall Give your goals time to compound rather than compress  For young adults and families still building their financial foundation, this kind of proactive momentum can be transformative.  The Bottom Line  Financial planning isn't just for major milestones or looming deadlines—and it doesn't have to wait until January or December. This time of year offers a practical, low‑pressure opportunity to pause, reflect, and plan ahead.  Whether you're managing your first “real” paycheck, navigating family expenses, or preparing for your next big life move, a conversation now can bring clarity, confidence, and peace of mind for the rest of the year.  Sometimes, the smartest financial decision isn't what you do—it's when you start the conversation.  Triangle is proud to offer financial planning services as part of our commitment to member success. If you're interested in sitting down to start the conversation, visit trianglecu.org or follow the link in the show notes to learn more and get in touch with one of our financial planning professionals.   If you're not quite ready for the conversation yet, but are just curious about your financial health, take our free financial wellness assessment to get an idea of where you're at. It's free, only takes a couple minutes to answer the questions and you'll get a quick result sent right to your inbox. Give it a shot now at trianglecu.org or follow the link in the show notes.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Meggan shares her recent experience in Portugal when paying with her credit card or withdrawing cash. The machines may ask if you want to "accept or reject conversion" and hitting accept may cause you to pay more in fees than you planned!Episode Resources:Should you carry cash when traveling?Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsFlood zones are not just a coastal issue. In Arizona, they can affect the mortgage side of buying a home, including loan requirements, monthly payment, and overall affordability.​​In this Real Estate Tip Tuesday, we talk about why buyers should check flood status early, before they are emotionally attached to a home.​​Check the FEMA Flood Map Service Center here: https://msc.fema.gov/portal/home​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Identity theft criminals highly target some of the most vulnerable individuals in our communities. With a growing increase in identity fraud and other scams today, it's critical that we do our parts to protect those in our lives most at risk of identity scams and especially elder abuse.  Links: Learn more and get helpful resources from the Consumer Financial Protection Bureau (CFPB) To learn more about how to recognize, help prevent, and respond to elder mistreatment, visit the National Center on Elder Abuse  Learn more about the identity protection benefits with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   At Triangle, protecting the financial well-being of you and your loved ones is a top priority. June is Elder Abuse Awareness Month, a time to raise awareness of the financial exploitation and other forms of abuse that disproportionately affect older adults. Elder abuse can take many forms. It could be physical, emotional, or financial, and it could be due to neglect or due to exploitation. Often, elder abuse goes unreported due to fear, shame, or isolation.  Did you know?  Financial exploitation is the most common form of elder abuse—and it often goes unnoticed until significant damage is done. Scams, fraud, and even manipulation by trusted individuals can leave lifelong financial and emotional impacts.  How you can help:  Learn the warning signs of financial abuse  Financial abuse doesn't always look obvious—and that's what makes it so dangerous. It can start subtly: a sudden spike in withdrawals or transfers, unfamiliar charges, or changes in spending patterns that just don't seem to add up. You might notice unpaid bills piling up—even though your loved one has more than enough money to cover them. Other warning signs include new names appearing on accounts, unexpected changes to wills or power of attorney, or unfamiliar individuals accompanying your loved one to financial appointments and speaking on their behalf.  Trust your instincts—if something feels off, it's worth taking a closer look. Staying informed about these red flags is one of the most powerful ways to step in early and help protect someone you care about.   Learn more about common ways older adults may be at risk and get access to helpful resources from the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or use the link in the show notes.  Check in regularly with older family members  Consistent, meaningful connection is one of the strongest defenses against financial exploitation. Social isolation can make older adults more vulnerable—not just to scams, but to manipulation by people they trust. That's why regular check-ins matter so much.  These don't have to be formal conversations about money. A simple phone call, a coffee visit, or asking how things are going can open the door for your loved one to share concerns. Over time, these check-ins build trust and create a safe environment where they feel comfortable speaking up if something doesn't seem right. It's not just about vigilance—it's about showing care, maintaining dignity, and helping them feel supported every step of the way.  Report suspicious financial activity  If you notice something unusual—whether it's account activity that doesn't make sense or changes in behavior that raise concern—don't wait. Acting quickly can prevent further loss and protect your loved one from deeper harm.  Start by contacting your financial institution to flag the activity—they can often help monitor accounts, stop transactions, or add safeguards. You can also reach out to your local Adult Protective Services, who are trained to investigate and intervene in cases of suspected abuse.  Speaking up might feel uncomfortable, but it can make a critical difference. Reporting concerns is not about causing trouble—it's about protecting someone's well-being and ensuring they have the support they need.  Together, we can help protect the financial independence and dignity of older adults in our community. To learn more about how to recognize, help prevent, and respond to elder mistreatment, visit the National Center on Elder Abuse at elderjustice.usc.edu or check the link in the show notes.  Need help or have concerns?
Our staff is trained to recognize signs of financial abuse. Call us at (800) 276-2470 or visit your nearest branch for confidential support. If you suspect an older adult in your life has fallen victim to a scam or identity theft, contact us. If you're a member with a Better Checking account, you have access to identity theft recovery services for up to three generations of your family, including your parents if they live with you. Check out our website, trianglecu.org for more information about the amazing benefits you and eligible family members can get with a Better Checking account.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

With fuel prices constantly rising, many people are looking for ways to save money on gas. Fortunately, there are practical ways to cut down on gas costs without buying a new car or drastically changing your lifestyle. Let's break down some smart, realistic strategies that actually work.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Let's start with driving habits, because this is where many people lose money without realizing it. Things like speeding, rapid acceleration, and hard braking can lower your gas mileage by as much as 10 to 40%, especially in stop-and-go traffic. Driving smoothly and staying close to the speed limit can make a noticeable difference. It's estimated that every 5 mph over 50 mph is like paying an extra 28 cents per gallon.  Next, don't skip basic vehicle maintenance. This one isn't flashy, but it matters. Keeping your car in good shape helps it run more efficiently and burn less fuel. For example, underinflated tires increase rolling resistance and force your engine to work harder. Proper tire pressure alone can improve gas mileage by up to 3%. Using the manufacturer-recommended motor oil and replacing dirty air filters can also improve fuel efficiency by 1–10%, depending on the vehicle. Small fixes really do add up.  Another way to save on gas is to plan out trips and combine errands. Fuel waste often happens before you even start the car. Making multiple short trips—especially with a cold engine—uses more gas than one longer, combined trip. Try planning routes ahead of time and combining errands whenever possible. Using navigation apps to avoid traffic and construction can also save fuel by reducing idle time and stop-and-go driving. Less time on the road means less money spent at the pump.  One of the easiest ways to save money on gas is simply not overpaying for it. Apps like GasBuddy, Waze, and Upside let drivers compare real-time gas prices in their area. GasBuddy alone reports helping users save billions collectively by showing the cheapest stations nearby and offering per-gallon discounts through its Pay with GasBuddy program. Many drivers save anywhere from 10 to 30 cents per gallon, which adds up quickly over a year.  Here's one people overlook: extra weight and drag cost you money. Carrying unnecessary items in your trunk or using a roof rack when you don't need it makes your engine work harder. It's estimated that fuel economy drops about 1% for every 100 pounds of extra weight. Removing roof racks when not in use can also improve highway mileage by reducing aerodynamic drag.  Saving money on gas doesn't require extreme changes—it's about stacking small, smart habits. Drive smoothly, keep your car maintained, plan your trips, and take advantage of fuel-saving apps and tools. Over time, those few cents per gallon can turn into hundreds of dollars back in your pocket every year. And that's money better spent on literally anything else than your gas tank.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.

If you plan to travel this summer, now is the time to make sure you have your ducks in a row! Meggan shares four things you should do now to make sure you're ready to go.Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsKevin Warsh is the new Federal Reserve Chair, and a lot of people are wondering what that could mean for mortgage rates. In this Real Estate Tip Tuesday, we talk through what changes at the Fed can signal, why markets react to leadership shifts, and what buyers and homeowners should be watching next.​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

As people gear up for travel, home projects, tax deadlines, and outdoor events, scammers ramp up their efforts to exploit the seasonal rush. From too-good-to-be-true deals to impersonation schemes that feel alarmingly convincing, these tactics evolve every year and catch even savvy consumers off guard. Links: Learn more about the Identity Theft protection tools with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   In this tip, I'm going to highlight the top five scams to watch for this spring, how they typically unfold, and the warning signs that help you protect your accounts, your identity, and your financial peace of mind.  Unclaimed Funds  Have you received an unexpected phone call with the unexpected news that you're entitled to hundreds or thousands of dollars in unclaimed property? More likely than not, this is a phishing scam. The scammers are counting on you to take the bait and provide your personal information or payment details under pressure. Remember, legitimate government agencies won't call or text asking for personal information to release your unclaimed property. Instead, you can visit https://unclaimed.org/search to see if any unclaimed funds can be returned to you.   Mortgage or Debt Relief Offers  Just like unclaimed funds and unclaimed property scams, fraudulent mortgage and debt relief offers are on the rise. If the offer is unexpected and requires payment upfront, it is more than likely a scam. Other signs of a scam can include urgency related to the timing of the transaction: if you don't act immediately, you can't take advantage of this offer later. Scammers often ask for payment right away, but it's illegal for debt or mortgage relief companies to charge a fee before you receive their services. Remember, if you are having trouble paying your mortgage or other debts, reach out to the companies that you owe money, and explain your unique situation. Often you can work with lenders and creditors to develop a payment plan. You can find legitimate help from housing and credit counselors as well.  Unpaid Traffic Violations  Did you receive a text, phone call, or letter advising that you have unpaid traffic tickets or tolls? Many times, these messages are threatening and rely on you to act quickly under pressure to remediate the issue. To make matters worse, scammers are taking advantage of artificial intelligence to make false notifications appear to look legitimate. For example, letters can include a fraudulent copy of an agency's seal or can mimic a court-ordered collections notice. Some letters even include a QR code to collect payment. If you receive one of these communications, reach out directly to the agency in question using a publicly available phone number to confirm the authenticity of the message you received.   False Safety Recall  Another scam making the rounds this spring is product recall notices. Scammers are sending fake texts impersonating popular retailers and advising of “urgent” product recalls. Many times, these text messages include a link to a website that looks a lot like the actual retailer's website, but it's designed for you to enter your personal information, sending it directly to the scammer. Generally, retailers will post safety notices directly on their platforms and will not send unsolicited text messages related to recalls or refunds. If you have registered a product with the manufacturer when you purchased it, actual recall notices will be delivered to you by mail or the email you used during product registration. Learn more about active product recalls at recalls.gov and cpsc.gov.  Weather Relief Scams  This time of year often brings severe weather to many parts of the country. In turn, this means that scammers are ready to target victims eager to complete storm-related repairs quickly. Stay skeptical of contractors who reach out to you directly, as it's common for unlicensed contractors to target recovery zones – always ask for copies of their license, insurance, and a contract in writing before taking action. Make sure to use trusted resources to see what others are saying about contractors or funding resources. Seeking multiple estimates or quotes for services can be critical to help ensure you're getting a fair deal and that you are comparing equivalent work, materials, and timelines for repairs. Finally, pay by check or with credit card; other payment methods such as cash, cryptocurrency, wire transfer, gift cards, or a payment app can make it challenging to recover your money if it's a scam.  Scams can be unsettling, but with vigilance and the tips above, you can help protect yourself and your data. Always remember that when in doubt, take a step back and verify before you act. If something sounds too good to be true, it probably is.  If you suspect you may have fallen victim to a scam like this, or you suspect identity theft for any other reason, we have you covered! With Better Checking account, you have access to Fully Managed Identity Theft Recovery Services. We can provide a professional Identity Theft Recovery Advocate to help you remediate identity fraud and rescue your good name!  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

Today we're talking about something that hits almost all of us the moment the temperatures rise: summer spending. Between cooling the house, planning outings, and trying to squeeze in a little fun, costs can creep up fast. But the good news is that saving money this summer doesn't have to feel like a punishment — it can actually feel empowering, even enjoyable.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Let's start with the big one: keeping your home cool without melting your budget. One of the most effective ways to cut summer energy costs is simply making sure your home isn't leaking cool air. Proper insulation and sealing gaps around windows and doors can help keep the cold air in and the hot air out, reducing the workload on your AC and lowering your energy bills.   And speaking of AC, maintaining it is one of the easiest ways to save money. Cleaning or replacing filters regularly helps your system run more efficiently and prevents it from working harder than it needs to. That means less energy used and fewer surprise repair bills.   But you don't have to rely on AC alone. Fans  can make a room feel cooler by circulating air and opening windows during cooler parts of the day and closing them when the heat kicks in can also help regulate indoor temperatures naturally.   Now let's talk about summer activities, because this is where budgets often go off the rails. You don't need a pricey vacation to enjoy the season. In fact, exploring local destinations or planning a staycation can save you a significant amount of money while still giving you that sense of escape. Many communities host free or low‑cost events that offer plenty of entertainment without the hefty price tag, such as concerts, festivals, and outdoor movies.   If you are traveling, timing matters. Traveling during off‑peak periods can lead to lower prices on flights, hotels, and attractions. And don't underestimate the value of rediscovering your own area — sometimes the best adventures are right in your backyard.   Another area where summer spending spikes is food. Between barbecues, picnics, and the temptation to eat out more often, food costs can add up quickly. Cooking at home can save you money and make meals feel more special. Seasonal fruits and vegetables are often cheaper, fresher, and tastier, making them perfect for simple summer dishes. If you want to take it a step further, consider starting a small garden. Even a few herbs or vegetables can cut grocery costs and give you a fun summer hobby.   Let's shift to transportation, because gas prices often rise in the summer and they are already high enough. Running errands on the same day instead of spreading them out can help you use less fuel. Keeping your tires properly inflated improves gas mileage, and filling up early in the week when prices tend to be lower can save you a few dollars each time. Using rewards programs or cashback apps can also help offset fuel costs.   Finally, let's talk about budgeting, because even the best tips won't help if you don't have a plan. Creating a summer‑specific budget allows you to anticipate higher expenses like utilities, travel, or events and set realistic limits for them. A clear budget helps you prioritize what matters most and avoid the stress of overspending.   Summer is meant to be enjoyed, and saving money shouldn't take away from that. With a few intentional choices,  you can have a summer that's both fun and financially smart. Here's to a season full of sunshine, good memories, and a little extra money left in your pocket!  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.

Flight and fuel prices have been chaotic over the past few weeks. With all the uncertainty, many are wondering if airlines can charge you a fuel surcharge on existing flights. Find out what you should do about your summer flights!Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsMore people are teaming up to buy homes right now, whether it's family, friends, or multi generational households. In this Real Estate Tip Tuesday, we talk about why this trend is growing and how different property types can support it.​​From duplexes and homes with casitas to NextGen style layouts and flexible floor plans, there are more options than people realize when it comes to making shared homeownership work. This episode is about understanding what's possible in today's market and how buyers are getting creative to make homeownership happen.​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Spring is a season of fresh starts. Closets get cleaned out, garages get organized, and routines reset after a long winter. But while many people focus on their homes, their finances often go untouched—because money habits tend to collect clutter just as easily.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  For many people, spring is an ideal time to reset financially. Life changes quickly at this stage, and small inefficiencies can quietly add stress or hold you back. A financial spring cleaning doesn't require perfection or dramatic changes—it's about reviewing what you have, cutting what no longer serves you, and optimizing what you keep. I'll call this the three-step Financial Cleaning Plan: Review, Cut, and Optimize.    Before you cut or optimize anything, you need a clear picture of where you stand. Think of this as opening all the closet doors before deciding what stays.    With a clear overview established, let's begin the Financial Cleaning Plan with step one: Review.   Identify all income sources like primary checks, bonuses, commissions, and side income. Note any recent changes, such as job switches or raises. The key is understanding what actually comes in each month, which sets the foundation for every other decision you'll make going forward.   Next, review your monthly spending patterns. Check where your money goes each month.   Scan the last two or three months of transactions and group expenses into two categories: Fixed expenses (rent, mortgage, childcare, insurance) and variable spending (food, entertainment, convenience purchases).   Don't be alarmed if your variable expenses over the last few months come in a little higher than you thought. Winter often brings higher spending, and habits formed during busy seasons can linger longer than expected.   Check your debt balances. Make a list of all debts—credit cards, student loans, and auto loans. Record current balances, interest rates, and required monthly payments. Don't get discouraged if your total debt balance gets you down. This part of the review isn't about judgment. It's about awareness.   Finally, review your savings and emergency funds. Check what you have set aside for unexpected expenses. Will your fund still cover many of the more common emergency expenses? Can it help out with an unexpected job loss? A sudden medical emergency, a quick home repair?  As life changes, families grow or careers evolve, the savings targets need to evolve too.   Alright, the first step was Review. The second step of our three-part plan is to cut:   Start by identifying what's no longer serving you. Once you clearly see where your money goes, cutting becomes easier—and less emotional.   Start by reviewing your streaming platforms, app subscriptions, gyms, and delivery memberships. Remove or cancel any that haven't been used recently.   Watch for lifestyle creep. As income increases, spending often quietly follows. Look for convenience costs that climbed during hectic seasons and any spending that doesn't align with your priorities or values.   Reduce high‑interest costs. Identify high‑interest credit card balances or unnecessary fees. Cut what you can to create relief.   Eliminate overlap. Identify multiple savings accounts, outdated insurance coverage, or redundant financial tools and remove those that add confusion to your financial plan.     Now we're onto step three: Optimize—improve your finances so what remains works better for you.   One of the best optimization strategies is to automate your finances. Set up automated savings transfers, bill payments, and retirement contributions. The best part about this is that all you have to do is set it once, then let it run.    Review your savings goals. Adjust your emergency fund for lifestyle changes. Update short- and long-term savings priorities, such as travel, home projects, retirement, or education, and use an automatic savings tool to adjust the contributions to those funds.   Optimize by improving your debt strategy. Ask whether your current repayment plan still makes sense. Could refinancing lower the interest rate? Should higher‑interest balances be prioritized more aggressively? Does your strategy match your current cash flow? Would a debt consolidation move help? Make the right adjustments to answer these questions and consider taking steps towards active debt refinancing or consolidation if needed.    And finally, optimize any of your employer benefits. Take time to review your retirement plan contributions, any HSA or FSA use, and insurance choices. Confirm you are making the most of what is offered.   To wrap up, you don't need a complete overhaul to feel in control. With review, cut, and optimize, head into warmer months with clarity and confidence.   In spring cleaning season, your finances deserve some attention, too. A little cleanup can leave you lighter, calmer, and more prepared for the future.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. 

Tip Tuesday, 4-7 Min Real Estate TipsSome homes sell quickly, while others sit and don't get the same traction, even in the same market. In this Real Estate Tip Tuesday, we break down what's really behind that.​​Market conditions absolutely matter, but pricing, condition, and presentation are what determine how a home performs within that market. Homes that sit are often misaligned with where buyers are today, not just where the market was weeks or months ago.​​Buyers are still active, but they're more selective than ever. This episode explains why some homes move and others don't, so you can better understand what actually drives results right now.​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

A Home Equity Line of Credit can be an extremely useful tool to fund a variety of things in life. If you own a home, tapping into your home's equity for projects, plans and expenses can be a smart way to cover costs. Keep listening for some helpful ways to use a home equity line of credit.  Links: Learn more about Triangle's HELOC program Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Your home isn't just where life happens—it can also be one of your most powerful financial tools. A Home Equity Line of Credit (HELOC) lets you tap into the value you've already built, giving you flexible access to cash when you need it most. But too often, homeowners overlook just how strategic a HELOC can be when used thoughtfully. From upgrading your living space to unlocking new opportunities, the right move can turn your home's equity into long-term gains. Here are four fantastic, smart, and practical ways to put a HELOC to work—and make your home work harder for you.  Home repairs and renovations. Using a HELOC for home repairs or renovations allows you to reinvest directly into the asset that's generating the equity in the first place—your home. Whether you're updating a kitchen, replacing a roof, or adding a home office, these projects can improve both daily comfort and long-term property value. A HELOC is especially appealing because it typically offers lower interest rates than credit cards or personal loans, and you only borrow what you need as expenses arise. The flexibility of a revolving credit line also makes it easier to manage phased renovations or unexpected repair costs. Another great use of a HELOC is to fund education. Education is an investment that can pay dividends for decades, and a HELOC can be a cost-effective way to cover tuition and related expenses. Compared to private student loans, HELOCs often offer lower interest rates and more flexible repayment options. Homeowners may use a HELOC to fund a child's college education, graduate school, or career-advancing certifications. The ability to draw funds as needed works well with semester-based tuition schedules. For families seeking an alternative to high-interest education loans, a HELOC provides flexibility without locking into rigid terms. A third great use is for important life events or major purchases. Life's biggest moments—such as weddings, medical expenses, starting a business, or purchasing a recreational vehicle—often come with substantial costs. A HELOC provides access to funds when timing matters, without requiring you to drain savings or sell investments. Because it's a revolving line of credit, you can borrow exactly what you need and repay it over time. Many homeowners choose HELOCs for major purchases due to lower interest rates compared to credit cards. This approach offers a practical way to cover large expenses while maintaining financial flexibility. A fourth great use is to use it for debt consolidation. A HELOC can be a powerful tool for simplifying and lowering high-interest debt. By consolidating credit cards, personal loans, or medical bills into one lower-interest payment, homeowners can potentially save thousands in interest over time. Managing a single monthly payment also makes budgeting easier and more predictable. Since HELOC rates are usually much lower than unsecured debt, more of each payment goes toward reducing the principal balance. For those feeling overwhelmed by multiple debts, a HELOC can provide a clear path toward financial breathing room—when used responsibly.  A HELOC isn't just about access to extra cash—it's about flexibility, opportunity, and smart financial planning. Whether you're reinvesting in your home, investing in education, managing life's major expenses, or regaining control of debt, the right use of a home's equity can create meaningful long-term benefits. As with any financial decision, careful planning and disciplined repayment are key but when used wisely, a HELOC can help turn the equity you've built into a powerful resource for your next chapter.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

Iceland has introduced a new road tax: a per-kilometre fee that applies to everyone driving in Iceland, even tourists! Here's how much it will cost and how to pay this new road tax in 2026.Episode Resources:Iceland Government websiteSupport the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsA lot of people are making assumptions about down payments… and it's costing them.​​Different loan types work very differently, and most of what people believe is outdated.​​This is one of those topics that can completely change how you approach buying.We broke it down in this episode.​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

If you've ever looked at your bank statement and wondered where all those fees came from or asked yourself if your money could be working a little harder, you're not alone. Today, we're talking about an option that a lot of people overlook: credit unions.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Credit unions might not have the flashy ads or giant skyscrapers of big banks, but they offer some serious advantages. Let's break down what makes credit unions different and why banking at one could be a smart move for your financial future.  First things first: credit unions are member-owned, not-for-profit financial institutions. That sounds technical, but here's what it means: when you join a credit union, you're not just a customer; you're an owner.  Unlike traditional banks, which exist to generate profits for shareholders, credit unions reinvest their earnings back into the institution. That often shows up in the form of lower fees, better interest rates, and improved services for members rather than profits going to investors.   This member-first structure shapes everything from customer service to lending decisions. Credit unions tend to take a more personal, relationship-based approach instead of treating members like account numbers.  One of the biggest reasons people switch to credit unions is simple, they have better rates. According to data from the National Credit Union Administration, credit unions consistently offer lower interest rates on loans, including auto loans, credit cards, and mortgages, while often paying higher dividends on savings accounts compared to banks.   For example, average interest rates on auto loans and credit cards are often significantly lower at credit unions. Over the life of a loan, that difference can save you hundreds or even thousands of dollars. Higher savings rates help your money grow faster, even if the difference seems small at first.  Where a lot of people feel burned by big banks is with fees. Monthly maintenance fees, overdraft fees, minimum balance requirements, and more, add up quickly. Credit unions generally charge fewer and lower fees because they're not driven by profit goals. Many credit unions offer free checking accounts, lower overdraft penalties, and more flexible balance requirements than traditional banks. That means more of your money stays where it belongs: in your pocket.  Customer service isn't just a buzzword for credit unions. Year after year, credit unions rank at the top for customer satisfaction. The American Customer Satisfaction Index regularly reports that credit unions outperform banks in overall satisfaction, including areas like courtesy of staff, trust, and transparency. That lines up with what many members experience, such as shorter wait times, local decision-making, and a genuine interest in helping members succeed financially.  Credit unions are deeply rooted in the communities they serve. Instead of funneling profits out of town or out of state, they often reinvest locally through small business loans, community programs, and financial education initiatives. By banking at a credit union, you're not just improving your own financial situation, you're helping support your local economy.  One common myth is that credit unions are less safe than banks. That's simply not true. Federally insured credit unions protect member deposits up to $250,000 per account, just like banks do, only through the National Credit Union Administration instead of the FDIC. The bottom line is your money is just as secure.  So, are credit unions perfect for everyone? For people who value better rates, fewer fees, stronger service, and community impact, credit unions are absolutely worth considering. Banking doesn't have to feel impersonal or expensive. Sometimes the best financial choice isn't the biggest name, it's the one that puts people first.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Tip Tuesday, 4-7 Min Real Estate TipsA lot of buyers are sitting on the sidelines waiting for rates to drop.​​What they are not thinking about is what happens when they do.​​Lower rates don't always mean lower payments. They usually bring more buyers back into the market, more competition, and more pressure on prices.​​In this episode, we break down the hidden cost of waiting, and why trying to perfectly time the market can quietly work against you.​​Because the real advantage is not timing the market perfectly… it is being ready when the right opportunity shows up.​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Who would have thought that children can be victims of identity theft? The sad truth is that kids become identity theft victims more often than we realize. If you're concerned about the possibility of your child becoming a victim, keep listening, because we provide some helpful ways to safeguard their identities from thieves.  Links: Learn more about Triangle's Better Checking account with identity theft protection and to view your credit report and score Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Child identity theft isn't something we often think about. However, it occurs more often than you might expect. According to Javelin's Child Identity Fraud Report, child identity theft affects 1.25 million kids every year, which translates to about one in 50 children in America. When you see those numbers, it becomes apparent that we must act now to protect the children in our lives.  What Is Child Identity Theft?   According to the Federal Trade Commission, “Child identity theft happens when someone takes a child's sensitive personal information and uses it to get services or benefits or to commit fraud. They might use your child's Social Security number, name and address, or date of birth.”   Child identity theft happens for a multitude of reasons. The perpetrator could use this information to open a bank or credit card account, apply for government benefits, or even sign up for a utility service or rent a place to live. Much like other types of identity theft, it can be easy for this type of identity theft to remain undetected for months or even years.   How It Happens  As with adults, identity theft against children can be perpetrated through a variety of sources. Below we have listed some ways that children's personally identifiable information (PII) could be exposed and then potentially used for fraudulent purposes.  Data Breaches. Kids' personal identifying information is in so many places, and nothing is completely secure. Schools, doctors' offices, and your home can all experience security breaches. After a child's confidential information or PII is exposed, whether the data breach incident is accidental or with malicious intent, the security breach cannot be undone. Often, criminals will wait to utilize confiscated information for their own purposes.   Familial Fraud. Three out of four cases of child identity theft come from those close to the victim, in what is known as familial fraud, and often occur in correlation with other forms of abuse, according to Javelin's Child Identity Fraud Report. Kids are often more trusting than adults, especially when they know the person who is asking for their information. Unscrupulous individuals at times utilize the PII of their own children, or children they know through family or friends, for their own benefit.  Phishing. These scams don't just target adults. Children that use the internet without parental supervision have a higher chance of giving their sensitive information to a scammer, not realizing that they are being tricked. Kids don't always know not to share their birth date, place of birth, and passwords with strangers or online “friends.”   Hacking. As more children have their own devices, and often multiple devices (computers, tablets, and phones), hacking becomes more common. Hackers can gain access to the information stored on these devices and can also log in to social media accounts, which they could use to attempt to defraud friends and family, acting as your child.  Warning Signs of Child Identity Theft  Regardless of the way the information makes it into the hands of identity thieves, below are some warning signs that your child's identity may have been stolen:  Unexpected Mail. Your child begins receiving credit card offers, collection notices, or bills under their name.  Collection Calls. You or your family members begin to receive calls from collection agencies for unpaid bills in your child's name.  Government Benefits Denials. Your child is denied government benefits because they are already being claimed, when this is not the case.  IRS Notifications. The IRS contacts you or your child about your child owing taxes or indicates that their SSN was used on another tax return.  How You Can Help Protect Your Children   The best way to help protect your family from identity theft is to be proactive in helping to prevent it. The most effective preventative measure is education. This type of education will not only help protect them now, but it is information that will benefit them as adults.   Keep Important Documents in a Secure Location. Keep your family's personal identifying information in a secure place in your home, be selective about what services you sign up for, and don't give your information unless it is necessary. Make sure that any important documents in your home, such as Social Security cards, birth certificates, or other legal documents, are stored securely to avoid compromise.  Share Personal Information with Caution. Assess the need before listing your child's Social Security number (SSN) on forms. Schools and school break camps shouldn't be using it as the only unique ID for each child. If an SSN is required, don't be afraid to ask if it's ok to share only the last 4 digits of your child's SSN.  Educate Your Child. Talk to your child about the importance of privacy and the dangers of sharing personal information online and offline. Ensure that your child isn't sharing personal information like their birthdate, address, or school on social media, other online platforms, or with other individuals without your permission.  Secure Your Mail. If you're sending or receiving mail with personal details, especially if those personal details pertain to your children, consider using a mailbox that locks or opt for electronic delivery. Retrieve your mail daily as soon as possible. Consider opting into the U.S. Postal Service's “Informed Delivery” service. It's free to sign up, and it will provide a Daily Digest email that will preview your mail and packages scheduled to arrive soon, along with an image of each of your incoming letter-sized mail pieces. This will help you stay vigilant if any missing mail never arrives.   Discard Unnecessary Documents with Care. If you have postal mail or other important documents that you no longer need to keep on file, make sure that you use a cross-cut shredder to securely destroy the paperwork. Criminals can engage in "dumpster diving" to retrieve discarded paperwork with personal information, potentially compromising you and your family.  Monitor Your Child's Personal Information. If you have Triangle's Better Checking, you and your family are covered with dark web monitoring. This benefit monitors your personal information and any registered credentials. You have the option to add additional credentials in your secure account as well; you could consider adding your child's SSN or other identifiers to monitor any potential compromise or exposure on the dark web.  Child identity theft can have long-lasting consequences, potentially impacting your child's credit and future opportunities. By remaining vigilant, educating your child, and keeping a close eye on his or her personal information, you can help better protect your child from the impacts of identity theft.  While these recommendations are designed to help protect your children's identities, they can apply to your own personal information as well. Remember to communicate with caution and treat all personal information with care, whether it belongs to you or your loved ones.   We Are Standing Ready to Help   If you suspect identity theft or you find your personal information has been compromised, you have access to a team of professional Identity Theft Recovery Advocates as a no-cost benefit of your Better Checking account. These professionals are trained and ready to help you reverse the damage and get back on track quickly. Our experienced advocates know how to spot identity theft and, when necessary, will support you through the process of repairing any damage.  If you suspect identity fraud has affected any member of your family, even your minor children, our team of Identity Theft Recovery Advocates is standing by, ready to support you and your family. They are experienced in spotting child identity theft and supporting you through the process of repairing the harm it may cause now and in the future.  If you do not currently have a Better Checking account, visit trianglecu.org/bank/checking to learn more.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. 

United Airlines has officially banned listening to your phone or other device without headphones! This means streaming videos, scrolling social media, and listening to music. And if you don't comply, you can be removed and banned from the airline! They mean business! We discuss the new rule and why people might be listening without headphones.Episode Resources:United Contract of CarriagePlane Etiquette episodeSupport the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsEveryone throws around “buyer's market” and “seller's market” like it automatically tells you what prices are doing.​​It doesn't.​​In this episode, we break down what these terms actually mean, why they are often misunderstood, and how supply and demand really drive the market, not just price headlines.​​Because you can have a seller's market with flat prices… and a buyer's market where prices are still holding.​​If you are making decisions based on labels alone, you could be missing what is actually happening in your local market.​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Financial Literacy Month is the perfect opportunity to pause, reflect, and take meaningful steps toward a healthier relationship with money. In this tip, we'll share five goals that outline simple, actionable steps that help you build financial stability, reduce money stress, and make smarter financial decisions.  Links: Watch our Budgeting 101 Webinar Learn more about saving with Triangle's Goal Builder tool Listen to our tip for some great financial books Learn more about Triangle's Better Checking account with identity theft protection and to view your credit report and score Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Financial literacy isn't about having a high income or being an expert in investing—it's about understanding the basics well enough to make confident, intentional decisions with your finances. Small, consistent actions can create powerful momentum over time, no matter where you're starting from.   This Financial Literacy Month, try one or all of these goals for a stronger financial future.   Develop your budget system. A budget isn't about restriction—it's about awareness and intention. Having a clear system for tracking income and expenses allows you to tell your money where to go instead of wondering where it went. Whether you prefer a spreadsheet, an app, or the envelope method, the “best” budget is the one you'll actually use consistently. A solid budget forms the foundation for every other financial goal, from saving to debt payoff. This month, choose one budgeting method today and hold your first budge meeting. Not sure where to start? Check out our budgeting basics webinar on YouTube for actionable steps and a workable budget sheet.  Start that emergency fundand add your first deposit.   An emergency fund protects you from life's surprises—car repairs, medical bills, or sudden income changes—without relying on credit cards. Even a small cushion can reduce financial stress and prevent debt from spiraling. The goal isn't to save everything at once but to build the habit of saving consistently. Starting is the hardest part, and momentum builds from there.  This month, open a dedicated savings account and deposit your first $25–$100. Consider using a tool like Triangle's Goal Builder to select the account and track the saving.  Read at least on personal finance book. Financial literacy grows with knowledge, and books provide structured guidance that social media often can't. Reading just one solid personal finance book can shift how you think about money, risk, and long-term planning. Learning from experts helps you avoid costly mistakes and adopt proven strategies. Education is one of the highest-return investments you can make.  Pick one reputable personal finance book and commit to reading it over the course of the month. We have some past tips with a list of a few good ones if you're looking for a little inspiration. Not a reader? Try an audio book or a financial-themed webinar on YouTube.  Put an extra payment towards one debt. Debt can quietly drain your future income through interest, especially on high-interest balances. Making an extra payment—even a small one—reduces both your balance and the total interest you'll pay over time. This step also builds confidence by proving you can actively make progress. Psychological wins matter just as much as mathematical ones.  Choose one debt and make one additional payment toward the principal this month.  Check your credit score and report. Your credit score affects everything from loan approvals to interest rates and housing options. Regularly reviewing your credit report helps you catch errors, spot fraud early, and understand what factors influence your score. Many people avoid checking their credit due to fear, but knowledge is empowering. Awareness gives you the opportunity to improve.  Pull your free credit report and score this month and review it for accuracy. There are a few well-known websites out there you can use, or if you have a Better Checking account at Triangle, you can access it through the Better Checking app.   So, to recap, your goals to try this month are, choose a budget method, set up an emergency fund, read a personal finance book, put one extra payment towards a debt, check your credit score and report.  Take charge this financial literacy month, and start out on the right track to a better financial future.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Tip Tuesday, 4-7 Min Real Estate TipsMost homeowners don't think about title fraud… until it's too late.​​There's a free tool in Maricopa County that can help you catch issues early, but almost no one is using it.​​It takes minutes to set up and could make a big difference.​​We break down what it is, what to watch for, and why it matters.​​​Here's the link: https://recorder.maricopa.gov/recording/title-alert.html​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Making smart choices with your money doesn't have to mean giving up the things you enjoy. By adopting a few practical frugal habits, you can stretch your budget further, reduce financial stress, and build a stronger foundation for long-term savings.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money  Tip Tuesday from the Making Money Personal podcast.  Saving money can be tough. It takes planning, discipline, and dedication. Still, with some careful planning, frugality, and creativity, you can make it work.  There are ways to adjust your daily choices toward more frugal options to boost your savings game.  If you try out some of these frugal habits, you may find yourself saving money faster than you thought.  1. Cook more at home, dine out less.   Cooking at home has a lot of benefits. It's usually healthier because you control the ingredients, so there are fewer additives. It also helps you spend less on food. Even though grocery costs are still high, you can ensure savings by choosing meals carefully and keeping recipes simple. Complicated meals with special ingredients can get expensive and might leave you buying things you rarely use.  Don't plan too many different meals in one week. Cooking something new every night can create leftovers that might go to waste. Plan a few nights for eating leftovers to save time and avoid wasting food.  Learn which foods can be used as substitutes. This way, you can use what you already have at home instead of making extra trips to the store.  Cook in bulk and freeze for later meals. Try making a double batch of something to freeze for later use. This works especially well for casseroles, meatballs, and even soups.    Turn saving money into a fun challenge. For example, try the Pantry Challenge: see if you can make meals using only what's already in your fridge or pantry, without going to the store.  2. Reuse and repurpose when you can   Repurposing items gives old things new life, helps the environment by reducing waste, and saves you from buying new stuff. Try finding ways to reuse items around your home. For example, use old t-shirts as cleaning rags or paper towel substitutes. Empty glass jars and shoeboxes make great storage containers; old sheets and towels can be used as drop cloths or cleaning cloths; wine corks, or cardboard are useful for homemade cork boards; paper egg cartons make great seed starters .and reusing gift bags and tissue paper can help you save, as long as they're not damaged.   There are many more ideas out there. For more inspiration, search online or check out Pinterest. Try searching for “recycled crafts,” “repurposed items,” or “upcycling ideas” to find creative ways to turn old things into something useful.  3. Check your library for free stuff.   Our local libraries provide some amazing resources. They offer a wide range of free resources, including audiobooks, learning platforms, streaming services, and more. Some also have their own programs to rent items like cameras, game consoles, and other gear, and to share programs like a seed exchange where members can take and share seeds for their vegetable or flower gardens – all for free! It's also worth noting that most libraries will offer passes to nearby attractions for a discount on admission – although it's not 100% free, it's still a savings opportunity.    4. Do more things at home.   Try having date nights at home instead of going out. There are plenty of ways to make a fun and relaxing evening at home. If you enjoy spending time with friends, host a game night, movie night, or music night. Let your imagination guide you.  5. Use coupons and rewards programs.   Don't miss out on chances to save. Check for coupons and look at your grocery store's deals flyer when making your shopping list. Sign up for rewards programs that offer cash back—you could save a lot over time. Browser extensions like Edge, Honey, and others can also help, but make sure to do your own research. We are not endorsing any specific products. 6. Buy used items when possible.   Try to buy used items first. Books, clothes, and many other things can be a good deal if they're in good condition. Check out apps like Facebook Marketplace, eBay, Poshmark, and others for gently used items. You can even find outdoor gear like bikes, kayaks, or scooters used.  These are just a few ideas to get you started. If you have a frugal habit that's helped you, share it with us on social media. Let us know how you save money every day—your tips could inspire others to save more too.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

Yes, this episode is a bit of a bummer, but it is also an important safety consideration. Many Airbnbs do not provide a carbon monoxide detector, an odorless, tasteless and colourless gas that can be deadly. Jenn highlights the dangers and what we can do to protect ourselves.Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsA major housing bill, the 21st Century ROAD to Housing Act, recently passed the Senate with strong bipartisan support, and it's getting a lot of attention. In this Real Estate Tip Tuesday, we talk through what this bill is aiming to do.​​It's important to understand that this is not fully finalized into law yet, and even when it is, changes like this take time to impact the market. This episode focuses on what this could mean long term and why it matters, without overreacting to headlines.​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Local businesses-- they're the lifeblood of our communities, providing our towns and cities with services, places, and products that keep us running every day. Take some time to appreciate the local businesses that serve your community on National Mom and Pop Business Owners Day.  Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Every year on March 29, National Mom and Pop Business Day invites us to pause and appreciate the small, family‑owned shops that give our communities character, creativity, and connection. These businesses—whether a corner bakery, boutique, repair shop, café, or specialty store—represent far more than a transaction. They're the backbone of neighborhoods, the spark behind innovation, and the heart of local economies.   This year, as shoppers and communities adjust to rapid shifts in retail and technology, supporting local businesses has never been more significant. Here are some compelling ways to support your local businesses this National Mom and Pop Business Day.   Choose Local Businesses Over Big Corporations   The clearest—and most significant—way to champion local businesses is to choose them over big-box retailers or national chains, even if it costs a bit more. Small businesses depend on your purchases to meet expenses, retain employees, and continue offering the products or services you rely on. Large chains may have lower prices, but shopping locally keeps your money in the community and directly benefits the people who serve you. Sometimes, a small premium makes a vital difference in helping a neighborhood business prosper.   Follow and Engage With Your Favorites on Social Media   Social media engagement is more than just numbers —like followers, shares, or comments—it's a powerful tool for growing small businesses. By liking, commenting on, and sharing content from your favorite local shops, you raise their online profile. Interaction improves their visibility in algorithms, allowing new customers to discover them. A quick comment or share takes seconds but can powerfully boost a small business's ability to connect with its community.   Refer Local Businesses to Friends and Family  One of the best contributions you can make to a small business is a sincere referral. If you've enjoyed a great experience, don't keep it private—tell your friends, family, coworkers, and neighbors. When someone needs a product or service, recommend a local alternative. Word-of-mouth recommendations remain among the strongest drivers of new business for small shops and often outperform advertising. Beyond spending money with them, sharing your positive experience is one of the most effective ways to help them grow.   Sign Up for Email Newsletters and Rewards Programs  Following a business on social media is helpful, but signing up for their email newsletter takes your support to another level. Emails allow businesses to share tailored offers, exclusive discounts, new product launches, and updates on local events—many of which never make it to social media. You'll be the first to hear what they're up to, and they gain a reliable way to stay connected with their customers. Along this same note, if they offer a reward or loyalty program, join in! These programs not only give you perks, but they also help ensure you continue returning and showing love to the businesses you care about.  Supporting your local businesses is a meaningful and worthwhile investment that benefits the entire community. This upcoming National Mom and Pop Business Day, make a thoughtful effort to show appreciation for the small businesses in your area that work every day to keep the community thriving.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Tip Tuesday, 4-7 Min Real Estate TipsMortgage rates have been moving, and a lot of people are trying to figure out why. ​​In this Real Estate Tip Tuesday, we talk through what's actually driving rates right now, including inflation, bond markets, and how global events like the ongoing conflict in the Middle East can create uncertainty that impacts financial markets.​​This episode is about understanding what's behind the numbers so you can make decisions based on your situation, not the noise.​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

In today's digital age, safeguarding your personal and financial information is more crucial than ever. With cyber threats growing more sophisticated and online platforms collecting more data than we often realize, the risk of identity theft, fraud, and privacy breaches continues to rise. Understanding how to protect yourself isn't just a best practice anymore; it's an essential skill for navigating modern life with confidence and security.  Links: Learn more about Triangle's Better Checking account with ID Protect Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  In today's digital age, safeguarding your personal and financial information is more crucial than ever. As your trusted financial institution, Triangle Credit Union is committed to providing you with the tools and knowledge needed to help protect your accounts. One of the most effective ways to enhance the security of your accounts - financial and non-financial - is to follow and maintain healthy password habits. Here are a few tips that can help you secure your accounts and help protect your personal information.  Create Strong and Unique Passwords A strong password is your first line of defense against cyber threats. Follow these guidelines in creating a robust password:  Length Matters: Aim for at least 12 characters. Longer passwords can be harder to crack.  Mix It Up: Use a combination of upper-case and lower-case letters, numbers, and special characters.  Avoid Common Words: Steer clear of easily guessable words and phrases like "password," "123456," “Aa123456”, "qwerty" or any combination of these. Other common passwords include “admin”, “P@ssw0rd” and all ones or all zeros.  Unique to Each Account: Use different passwords for different accounts. This way, if one password is compromised, your other accounts remain secure.  Use a Password Manager Remembering multiple complex passwords can be challenging. A password manager can help you store and manage your passwords securely. These tools can generate strong passwords for you and automatically populate them when needed so that you don't have to remember each one. Remember to do your homework before you trust a third-party password manager application.  Enable Multi-Factor Authentication (MFA) Multi-Factor Authentication, sometimes referred to as Two-Factor Authentication or 2FA, adds an extra layer of security by requiring two or more verification methods to access your account. This could be something you know (password), in combination with something you have (a smartphone or security token), or something you are (fingerprint or facial recognition). Enabling MFA can significantly reduce the risk of unauthorized access to your account by validating your identity through more than one authentication method when you log in.  Regularly Update Your Passwords Changing your passwords periodically is a good security practice. Aim to update your passwords every three to six months. Regular updates can help protect your accounts from the impact of data breaches, if your username and password are ever compromised. If you receive a notification that your information could have been compromised, that's also a good reminder to update your passwords.  Be Wary of Phishing Scams Phishing scams are fraudulent attempts to obtain your personal information by pretending to be a trustworthy entity. Be cautious of emails, messages, or websites that ask for your password or other sensitive information. Always verify the source before providing any details. By staying aware, you can avoid unwittingly providing your password (and access to your accounts) to scammers or identity thieves.    At TCU your security is our top priority. By following these tips and creating healthy password habits, you can significantly reduce the risk of unauthorized access to your accounts. While cybersecurity threats are constantly evolving, remember that a strong password is your first line of defense. Stay vigilant and proactive in protecting your personal and financial information.  Regularly checking your account activity can help you spot any unusual transactions or unauthorized access early. If you notice anything suspicious, contact us. If you have a Better Checking account you have access to a professional, certified Identity Theft Recovery Advocate who can work with you one-on-one to identify and resolve identity theft or fraud and return your identity and your accounts to pre-event status.  And always remember never share your passwords with anyone! When fraudsters, claiming to be from your financial institution's fraud department, hang up the phone and call your credit union or bank to check on your accounts and report the fraud attempt. While we do call members occassionally to verify account activity, we will never ask for passwords to your accounts.  For more information and resources on online security, please visit our website or contact our customer service team. We're here to help you stay safe and secure.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

We've all seen the headlines: multiple destinations have been impacted by world events. But when should we hit cancel on a trip? Meggan talks about research and trusting your instincts.Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsWildfire risk is a real concern in many parts of Arizona. In this episode, we talk about the Firewise program and how simple steps around your home and in your community can help reduce wildfire risk and improve a home's chances of surviving a fire.​​​Learn more about the Firewise program here:https://www.firewise.org/​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan: Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Medical costs and insurance premiums keep going up. Fortunately, there are some steps you can take to minimize the effects of rising costs. This tip will discuss how Health Savings Accounts (HSAs) can help you manage some of those expenses and save money.   Links: Learn more about Tringle's Health Savings Accounts Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Let's start by explaining what an HSA is. HSA stands for Health Savings Account and is very similar to a personal savings account, but money saved in the account must be used to pay for health care expenses (there is an exception to that, which will be covered in a bit). The good news is this is your money, so you get to control how the funds are spent and for which medical expenses.     You can open an HSA if you have a high-deductible health plan (HDHP). You can't if you're on Medicare, TRICARE, TRICARE for Life, or are listed as someone else's dependent for taxes. If you're self-employed and have an HDHP, you can get an HSA. If you switch jobs, your HSA stays with you.   Since we've discussed high-deductible health plans, let's define an HDHP. In 2026, the IRS sets the minimum deductible at $1,700 for individuals or $3,400 for families. The total yearly out-of-pocket costs, including deductibles, copays, and coinsurance, cannot exceed $8,500 for individuals or $17,000 for families.   There are many benefits to having an HSA. One of the most notable is the tax savings. HSA contributions are made before taxes, so they're deducted from your total income when it comes time to file. In 2026, the IRS lets you put in $4,400 for individual coverage or $8,750 for family coverage. If you're 55 or older, you can add an extra $1,000 each year until you turn 65 or enroll in Medicare. This extra amount is called a catch-up contribution. Money you take out of your HSA is tax-free if you use it for qualified medical expenses, no matter your age. Plus, any money your HSA earns is also tax-free.   With an HSA, you also save on premiums. Most high-deductible health plans have lower premiums, so you can put your savings into your HSA. Use your HSA to pay for any medical expense, including coinsurance, copays, and your deductible.   Your HSA is your money. You own all the money in your HSA, even if your employer contributed, and you keep it if you change jobs, lose coverage, or retire. Your balance rolls over yearly and never expires. If you are 65 or older or disabled, you can withdraw funds for non-medical use without penalty. Using your HSA is easy. Open one at a bank or credit union to get a debit card. Use it to pay for expenses like copays, deductibles, and prescriptions.  If you're interested in getting started with your own HSA, there are multiple ways to contribute. For a list of ways you can contribute and a transcript of this money tip, check out "Helpful Hints about HSAs at triangleuniversity.org.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.  Eligibility and contribution limits are set by the IRS and may change. This information is for educational purposes and isn't tax advice—please consult a qualified tax professional. Insured by the NCUA.

Tip Tuesday, 4-7 Min Real Estate TipsIf your mortgage payment has ever changed unexpectedly, escrow is usually the reason. In this Real Estate Tip Tuesday, we talk through what escrow accounts actually do, how escrow analyses work, and why things like property taxes or insurance can affect your monthly payment. ​​We also touch on what happens if a home becomes uninsured and why lenders sometimes step in with force-placed coverage. ​​Understanding how escrow works can help homeowners avoid surprises and better manage their housing costs.​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Every day there are stories and alerts shared of new scams reminding us that the fraud landscape changes quickly. To stay safe, it's important to build good habits, improve your digital security, and use helpful tools to avoid, report, and recover from scams.  Links: Explore more resources for Consumer Protection Week Report scams at Identitytheft.gov Know your rights as a consumer when recovering from identity theft Explorer Triangle's Better Checking account with ID Protect Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union **Note: Better Checking is not an insurance product. Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  It's National Consumer Protection Week (NCPW), a time of year devoted to maintaining personal security and fighting fraud. Hosted by the Federal Trade Commission (FTC), this important awareness week was established to help people better understand their consumer rights and take proactive steps to protect themselves.   This year, the FTC's message is clear: Avoid. Report. Recover. Practicing these three steps regularly can make you much more resilient to today's fraud tactics.  In this tip, we'll explain more about how you can “stay faster than fraud” by putting these actions into practice.   The first action, Avoid, is a reminder to help spot the fraud before it causes you to act.    Scammers rely on urgency. They want you to react fast instead of thinking things through. To avoid scams, try making small changes, like pausing before clicking a link, checking if a request is real, and seeing urgency as a warning sign. These quick pauses can help you avoid falling for scams.  Another way to avoid fraud is to learn about the types of scams that target consumers. Scams are always changing, so it's important to stay up to date. Common scams include identity theft, impostor scams, job scams, and phishing. They also use current events to make their tricks seem more believable.  Looking ahead, experts warn that in 2026, scammers are expected to use new hooks tailored to economic anxiety, like relief‑payment scams, bogus job offers, and highly personalized AI‑powered impersonation schemes. Knowing these patterns and warning signs ahead of time helps protect you and others from becoming the next victim.  Keep in mind that fraudsters also take advantage of digital weaknesses, so it's important to strengthen your security. Use strong, unique passwords with a trusted password manager, turn on multi-factor authentication when you can, keep your devices and software updated, and avoid doing financial transactions on public Wi-Fi. These steps greatly lower your risk of account takeovers and data theft.  And of course, it's important not to share too much personal information on social media or respond to unexpected requests for details. Scammers may send emails or texts that look like they're from people or organizations you trust. Being careful and a bit skeptical helps keep your information safe.  The next part of the FTC's action plan is to report any scams you encounter.   Many people don't report scams because they think it won't help. But the FTC says the opposite is true. Reporting scams helps spot trends, guide enforcement, and warn others about new threats. Sharing your experience helps the fight against fraud.  For identity theft cases, the FTC offers a dedicated resource website: IdentityTheft.gov. This one‑stop site hosts a collection of resources for consumers to use to report fraud. The site can help you generate an official FTC Identity Theft Report and provides a customized recovery plan, both of which are extremely useful when working with companies to dispute fraudulent activity.   Experts say that many fraud cases go unreported and scams are getting more advanced. Reporting scams not only helps you take back control, it also raises awareness and protects your community.  The last part of the FTC's plan is recovery. This means using tools and steps to help people recover after experiencing fraud.  If you become a victim of fraud, recovery can seem overwhelming. The FTC provides tools to guide you step by step through closing compromised accounts, contacting affected businesses, and stopping further misuse. It's no doubt that having a clear plan makes the process easier and faster.  Recovery also includes checking your credit reports often to spot any suspicious activity. If needed, you can set up fraud alerts or freeze your credit to stop new accounts from being opened in your name. This is a good reason to think about getting identity theft protection. There are many options available, and if you're a Triangle member, you could consider a Triangle Better Checking account with ID Protect. For $4.99 a month, members get identity theft protection that includes identity monitoring, credit score tracking, credit reporting, a dedicated case manager, and reimbursement for recovery costs. See the link in the show notes for more details.  A final, important part of recovery is knowing your rights as a consumer if money goes missing. Many people don't realize that you have specific rights when unauthorized transactions happen, including the right to ask your bank for reimbursement if money is taken without your approval. The Consumer Financial Protection Bureau (CFPB) shares resources that explain these protections, so victims don't have to cover the losses themselves. If you want to learn more, check the link in the show notes.  When it comes to fighting fraud, you cannot sit on the sidelines. Start protecting yourself today. Review your habits, strengthen your security, and use new tools. Let Consumer Protection Week inspire you to act. Follow the FTC's advice: Avoid, Report, and Recover. By practicing these steps, you'll become more confident and resilient in a changing digital world.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Tip Tuesday, 4-7 Min Real Estate TipsWater is a material fact in Arizona real estate, and many Arizona homeowners do not realize how complex the rules can be until it becomes a real issue. Access does not automatically mean legal right, and assumptions can be costly. In this Real Estate Tip Tuesday, we talk about what Arizona homeowners should be paying attention to when it comes to water and why verification matters more than ever. We also share where to go for accurate information so you are not relying on outdated details or secondhand assurances. If you own property in Arizona or are thinking about it, this is one of those topics you do not want to overlook. #ArizonaRealEstate #ArizonaHomeowners #WaterRights Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 Connect with Ryan:Text ConnectWithRyan to 480-508-9828 Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page. Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

In 2026, true well-being isn't just about looking healthy or having money in the bank—it's about strengthening both at the same time. Financial fitness and physical fitness share the same foundations: discipline, consistency, and smart daily choices that compound over time. By aligning how you move your body and manage your money, you can build a more energized, secure, and resilient future this year and beyond.  Links: Watch our debt reduction webinar on YouTube Explore our current high yield savings account options Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   At Triangle Credit Union, we understand that true prosperity extends beyond financial stability; it encompasses physical well-being as well. As your trusted financial partner, we are dedicated to not only safeguarding your financial health but also promoting your overall wellness. With this commitment in mind, we are pleased to share valuable reminders and tips to help you achieve and maintain both financial security and physical vitality.  Let's take the journey together.  Financial Health Tips:  Budget Wisely: Take control of your finances by creating a monthly budget. Allocate funds for essential expenses, savings, and discretionary spending. Our online banking tool, Money Management, can help you track your expenses and stay on budget effortlessly.  Save Regularly: Establishing an emergency fund is vital for financial security. Aim to save a portion of your income regularly, even if it's a small amount. Set up automatic transfers from your checking to your savings account using our convenient banking app.  Manage Debt: High-interest debt can hinder your financial progress. Prioritize paying off debts strategically, starting with those carrying the highest interest rates. Consider consolidating debt or refinancing with our flexible loan options. Need more information on how to pay down your debt, check out our online webinar for resources! The link will be in the show notes.  Invest for the Future: Build wealth over time by investing wisely. Explore our savings and CD options to find a tailored solution to your financial goals. We have professionals that are ready to help you make a plan and work toward your goals.  Physical Health Tips:  Stay Active: Incorporate regular physical activity into your routine to boost your overall health. Whether it's a daily walk, yoga session, or gym workout, find activities you enjoy and stick to them. Consider tracking your progress on an app or other tools to see your progress accumulate and celebrate the small wins.  Eat Well: Fuel your body with nutritious foods to support optimal health. Aim for a balanced diet rich in fruits, vegetables, lean proteins, and whole grains. With food prices seemingly high, eating healthy may not be as expensive as it may seem. With meal planning apps and budgeting tools, you can organize and manage all grocery expenses efficiently.  Prioritize Sleep: Quality sleep is essential for physical and mental well-being. Aim for seven to eight hours of sleep per night and establish a relaxing bedtime routine.  Save Time, Try Telehealth:Telehealth allows you to connect with healthcare providers remotely through your computer or phone,eliminating the need for in-person visits. These virtual appointments are conducted by certified medical professionals, addressing a wide range of everyday healthcare needs from the comfort of your home. Whether it's a consultation with a physician or mental health specialist, telehealth brings medical expertise directly to you when you need it.  True prosperity is achieved through a balance of financial stability and good health. By prioritizing both aspects of your well-being, you can live a happier, more fulfilling life. As your trusted financial partner, we're here to support you on your journey to financial and physical wellness. Together, let's build a brighter, healthier future for you and your family.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!   

Tip Tuesday, 4-7 Min Real Estate TipsClosing costs are one of the most misunderstood parts of buying a home. In this Real Estate Tip Tuesday, Ryan walks through what closing costs actually include, what home buyers can realistically expect to pay, and why those numbers vary depending on the loan, property, and situation. ​​From lender fees to prepaid items and escrow costs, this episode helps home buyers understand where the money goes so there are no surprises at the closing table. If you're planning to buy, this is a must watch before you start the process.​​#HomeBuyingTips #ClosingCosts #ArizonaHomes​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Is saving more money one of your New Year's resolutions this year? If so, beginning to save money can be overwhelming if you're not sure where to start. Take the pressure off your financial goals by making saving fun with one of our savings challenges.    Links: Roll the Dice Savings Tracker template: https://triangleuniversity.org/wp-content/uploads/2025/04/Roll-the-Dice-Savings-Challenge.pdf Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Savings challenges are great for building consistent saving habits while also growing your savings accounts.    If you're ready to crush your savings goals this year, these challenges are the perfect way to get it done! Here are four savings challenges you can start in 2026:    52 Week Envelope Challenge   This savings challenge combines the 52-week challenge with the 100-envelope challenge.    Instead of saving money chronologically (week 1 - $1, week 2 - $2, etc.) and depositing that amount into your savings account, you will fill out 52 envelopes—each with a dollar amount that corresponds with each week of the year.    Once you have your envelopes labeled, give them a quick shuffle to randomize them, then place them back in the box (or set them aside).    Each week, pull a random envelope from its place and save that amount. For example, if you pulled an envelope labeled $39, you would save $39 dollars that week.      If you are using cash, place the $39 in that envelope until the end of the year, or head to your local bank or credit union to deposit it. If you are completing this challenge with an online savings account, make sure to transfer the appropriate amount each week.    Pause Your Subscriptions   Streaming services, food delivery services, and product boxes are monthly subscriptions that most American consumers pay for; some people have multiple subscriptions for the same service-- for example, some consumers subscribe to both DoorDash's DashPass and Uber Eats' Uber One.     Too often, one signs up for a free trial with the intent to cancel before the free trial ends, only to forget and be charged for the service. If you're not keeping an eye on your finances and tracking all your expenses diligently, you may be paying for subscriptions without even realizing it.     Take some time to review your bank accounts and credit card statements from the past few months and highlight any recurring charges.  Then analyze the charges and decide which subscriptions could be paused or canceled temporarily. Maybe you subscribed to a streaming service to watch one show a few months but haven't watched anything on that platform since; maybe you've decided to stop getting food delivered anyway, so you no longer need those subscriptions.     Pause or cancel any subscription you're not currently using and put that money in your savings account or investments instead. You may even find that after a few months, you don't miss those subscriptions anyway!    Roll-the-dice Challenge   Gamifying savings is a great way to turn something that might be stressful or scary into something entertaining and enjoyable!     This challenge is flexible and can be done daily, weekly, or monthly, depending on your goals and financial situation.     Simply roll a die and set aside the cash or transfer that amount to your savings account.     For example, if you roll a 1, save $1; if you roll a 6, save $6, etc.     Looking to save a little more each time? Roll a pair of dice (or one die twice) and save that amount.     Make sure you record your rolls and track your progress on our Roll-The-Dice savings tracker.  made especially for this challenge. Link will be in the show notes  Create Your Own Savings Challenge   This challenge is great if any of the other savings' challenges don't pique your interest OR if you are saving for something in particular-- such as a new car, an upcoming vacation, etc.    Creating your own savings challenge is easy!    Download our savings challenge template and fill it out with YOUR numbers.    For example, if you are saving up for a down payment on a new car, figure out how much you need to save up and record that on the savings challenge page. Then, divide that number by 10 and label each section of the savings challenge tracker—that is how much you will save at a time in order to cross off sections of the tracker.    Once the tracker is filled out completely, you will have the full amount needed for your car's down payment.    If saving money is one of your New Year's resolutions this year, we hope you'll consider one of these savings challenges as a fun way to jump-start your savings goals.    If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!     

We talk about the recent vaping/e-cigarette ban in Mexico and other countries where vaping is banned! It's not worth going to jail over, so check before you pack!Episode Resources:2024 Vaping Ban ArticleSupport the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We are passionate about travel and sharing our experiences, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate TipsThere's a common misconception in Arizona that being an unrepresented buyer doesn't really matter when making an offer. In this Real Estate Tip Tuesday, we explain how that misunderstanding can directly impact whether your offer is taken seriously and, in some cases, whether you get the home at all. ​​This episode focuses on how representation affects the offer process itself and why the difference can stand between you and your dream home if you don't fully understand it going in.​​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

President's Day is right around the corner, which means if you're shopping for a car, you're in luck! Dealerships across the country offer discounts for the President's Day weekend, sometimes extending them for a week or more. If you're planning on shopping these deals, now's the chance to head to the dealership with confidence and a pre-approval.   Links: Get a great on your next pre-approval with Triangle Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Typically, Presidents' Day sales are the first official sales events of the year. While this makes sense for dealerships experiencing a slump in auto sales during the cold winter months, this is also the perfect time for consumers who have recovered from the holiday season.   If you're on the hunt for an auto deal this President's Day, consider getting preapproved for an auto loan before setting foot into an auto dealership.   Stay on Budget Staying on budget is essential during the car-buying process. Before applying for an auto loan, you must outline your budget to make sure you have a clear understanding of how much you can afford.   Once you know how much you can afford, a preapproval is an extra step you can take to ensure you stay on budget, helping you go into the car-buying process as prepared as possible.  Save Time at The Dealership We've probably all been there. You go to the dealership expecting to test-drive a car, and the next thing you know, it's been 3 hours, and you're sitting in an office waiting for paperwork.   Wouldn't it be nice if you could cut that time down so you can spend less time at the dealership and more time doing what YOU want?    If you go to the dealership with a preapproval in hand, you won't have to sit there while they run your credit and search for auto loan rates, which saves you time in the end.   Avoid Dealership Upsells Another benefit of shopping for a car with a preapproval is being able to avoid dealer upsells and add-ons. A typical dealer tactic is to push buyers to sign up for extended warranties or other add-ons they typically aren't interested in.     With a preapproval, you have a designated amount you are approved for; therefore, when dealers approach you with all the extras, you can shut it down by saying those extras do not fit within your approved amount.   What You Need to Get Preapproved  If you're interested in getting preapproved before shopping for a car, here is what you should have prepared:   Personal Information: Name, date of birth, Social Security number Housing Details: Address, how long you've lived at that address, monthly housing payment, information on whether you rent or own  Income: Employment status, employer's name, gross annual income Loan Details: Desired loan amount, desired length of loan Trade-in or Down Payment: Title and registration if trading in a vehicle or the amount of the down payment If you're on the hunt for a new or used car, now's the time to start out strong with a pre-approval. We offer many affordable financing options and our competitive auto rates are here to help.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!   

We're always looking for ways to save you all money, and with Valentine's Day right around the corner, it's so easy to go over budget, that is, if you even had one anyway. For those trying to dial back a little on spending this year, we're sharing a few ways to celebrate Valentine's Day without having to take out that credit card.    Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Valentine's Day often comes with a lot of pressure—lavish dinners, expensive gifts, and grand gestures that can leave your wallet feeling less than romantic. But here's the truth: love doesn't have to come with a price tag. In fact, some of the most meaningful ways to show you care cost absolutely nothing. If you're looking to celebrate without swiping your credit card or maybe minimizing its use, here are five heartfelt ideas that prove thoughtfulness beats extravagance every time.   The Power of Personal Touch  Nothing says “I love you” quite like words straight from the heart. Instead of buying a pricey card, write a heartfelt letter or even a poem. Share your favorite memories, what you appreciate most about your partner, and your hopes for the future. Often it's easy to splurge on candies or flowers, but if you're cutting back on buying things this year, making something from the heart can be just as nice.    Trying something like a handwritten note feels personal and timeless—something they can treasure for years. Besides a handwritten letter or note, crafting something unique from scratch can be just as meaningful. For the creative folks, browse through ideas online from a site like Pinterest where you'll find plenty of thoughtful homemade Valentine's crafts and gifts for your special someone.   Quality Time Over Price Tags  Sometimes, the best gift is your undivided attention. Plan a tech-free evening where you both disconnect from screens and focus on each other. Screens are often distractions from the present moment, robbing us of the true value that comes with being together.   Make the holiday more special by offering your undivided attention and just spending time together. If you're unsure what to do, try an idea like cooking a meal together using what you already have in the pantry. You could also take a walk under the stars and talk about your dreams, or you might enjoy dusting off a board game or card deck for some friendly competition. Quality time strengthens emotional bonds and creates lasting memories—no receipt required.   Acts of Service Speak Volumes Love isn't just about words; it's about actions. Doing something that makes your partner's life easier can be incredibly romantic.   There are many times in life when acts of service are the perfect gift. For those who are busy and don't have time to tackle common daily tasks, they can build up and cause much uneasiness or stress. For many loved ones this Valentine's Day, something simple like an act of service might just be the perfect gift they'd been hoping for.     One idea could be to make your significant other breakfast in bed. You could tackle a chore they've been dreading or even organize a space they use often, like their desk or closet. To up the stakes and gain points, pick one task the night before and surprise them by morning.   Acts of service are beautiful gifts because they show thoughtfulness and effort, which often means more than any store-bought gift.   Create Something Together  Shared creativity can be a powerful bonding experience. Instead of buying something, make something together. If you know your significant other is crafty and values building or creating, this may be the perfect Valentine's Day gift.    You could curate a playlist of songs that remind you of each other. You might enjoy baking cookies or trying a new recipe together or you could even start a photo album or scrapbook of your favorite moments. Collaborative projects create fun, laughter, and a sense of accomplishment—plus, you'll have a keepsake to look back on.   Memory-Making Experiences Experiences often outshine material gifts. Plan a free adventure that gets you out of your routine. Depending on where you live, this option might be teeming with possibilities.    If the weather is good, go for a nature walk or hike in a local park. Check out free museum days or community events going on in the area. If you'd prefer not to leave the house, have a picnic at home or in your backyard with homemade snacks. Shared experiences deepen your connection, give you stories to tell for years to come, and will be worth their weight in memories.    Love isn't measured in dollars—it's measured in effort, thoughtfulness, and time. This Valentine's Day, skip the stress of overspending and focus on what really matters: making your partner feel valued and appreciated. Try one (or all) of these ideas and see how meaningful a no-cost celebration can be.   Have a budget-friendly Valentine's idea not mentioned in this tip? Go ahead and share it with your family, friends, or on social media—you might inspire someone else to celebrate love without breaking the bank.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Canada is a beautiful country (not that we're biased... okay, we're totally biased) and we think you should come visit us! Coastlines, mountains, large cities, and plenty of trees - we have it all! Meggan outlines some of the best things about Canada.Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

How often have you looked at your bank accounts and thought to yourself, “where did all my money go?”, or how many times have you felt buyers' remorse after purchasing something? The truth is that it's way too easy to spend without noticing how much money is actually slipping away.  In this episode, we'll talk about 7 common habits that cause people to waste money and share some tips on how to correct them.  Links: Check out Triangle's competitive Personal Loan and Auto Loan refinance rates to start saving money Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.     Many people believe they don't have enough money because they don't earn enough, but often the real issue is spending too much.  Most of us don't spot wasteful spending right away. It can build up for different reasons and turn into a habit. If your habits aren't helping, they could be hurting.  To make the most of your money, it helps to know where you might be wasting it. Here's a list of a few wasteful habits that tend to drain our money.  The first one is throwing away food. Have you ever filled your fridge, only to toss out a lot of it a week later? This is a major way people waste money. If you want to cut waste, start here.  Fix this habit by making a food plan. Choose recipes for each meal, list the ingredients you need, and buy only those. Planning ahead keeps you organized and helps you use everything you buy rather than waste it.  Habit number two is spending too much on dining out. After a long day, it's tempting to order takeout or eat out if you haven't planned a meal. But eating out often adds up fast. With food, drinks, tip, and tax, you might spend more on one meal than it would cost to make several at home.   What can you do? Plan your at-home meals in advance and set a budget for dining out. This way, you'll have money set aside to spend on dining and can enjoy eating out without guilt.  Habit number three is impulse buying.  Impulse buying often happens for emotional reasons. If you buy more than you planned, that's an impulse purchase. This can waste a lot of money, especially if you didn't budget for it. To change this, try shopping in person with cash and bring a list—only buy what's on it. If you shop online, use a debit card instead of a credit card. You'll have to pay close attention to your spending because you're limited by that account balance.  Habit number four is buying brand-name items when generic products work just as well.  People often spend more on brand names without noticing. Brand-name products can cost 20% to 30% more, even when generics work fine.   Look at the items you usually buy and see if the price difference is worth it. Many generic products, especially food products, contain the same ingredients. Do your research and choose what makes sense.  Habit number five is stocking up on too many things you don't need. The Internet is full of people showing off their hauls—candles, body scrubs, food, sneakers, clothes, and more. Many of us like to collect things, but there's a fine line between collecting and overbuying. Content creators, ads, and online messages often tempt us to buy things we think we'll use but don't really need. This can be wasteful, especially since some items, like cosmetics and beauty products, expire. If you stock too much, they may go bad before you get to use them.  Avoid this habit by sticking to a budget to help avoid overspending on things you don't need. If you're considering items that have a shelf life, be intentional to use up what you have before buying more.  Habit number six is paying unnoticed fees or subscriptions you don't need.  How many subscriptions do you have? Can you keep track of them all? Have any gone up in price in the last six months or year? If you don't keep track, you might end up paying more than you planned.  Avoid wasting money on fees and subscriptions by checking them regularly. Cancel the ones you don't use or downgrade the plan if necessary. When it comes to late fees, check your account history for any missed payments. Companies will charge a fee when a payment isn't made on time, so the best way to avoid these fees is to stay organized. Mark up a calendar or set alerts on your phone to stay on top of all payments and use auto pay tools to ensure the payment is made on time.  Wasteful habit number seven is paying high interest on loans. If you think you're paying too much interest each month, you might be right. Interest rates change over time, and your rate could be higher than necessary.  To avoid this, consider refinancing your loans to get a lower interest rate. This can lower your monthly payments and free up a little cash. Check out Triangle Credit Union for the best refinance rates on auto loans, mortgages, home equity loans, personal loans, and more.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

So many of us look over our finances in the new year, not only to look back on how much we spent during the holidays, but also to optimize our finances going forward. It's time to look at ways to free up some money this year and one of those ways might involve examining your existing auto loan.  Links: Get a great auto refinance offer with our limited time special refi rate Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Welcome to Money Tip Tuesday from the Making Money Personal podcast.  The holidays might be over, but the spending continues. If you're recovering from holiday spending, you're probably tallying up the money you've spent, planned, and unplanned.       The good news is that now's a great time to make adjustments that could save you some money and help you recover a little faster in the new year. One great adjustment you can consider is to refinance your current auto loan.    4 Reasons to Refinance Your Car This Winter    Lower Your Monthly Payment    One of the benefits of refinancing your auto loan, when you qualify for a lower rate, is that your monthly payment can decrease, which means you will be saving more each month.      A little extra money each month is great, because it gives you more money that you can put towards debt, new year's goals, or even just add to your savings.       With a lower monthly payment, you can start this New Year on a better financial path than before.        30-60 Day Deferred Payment option     Some lenders offer deferred loan payments for 30, 60, or up to 90 days after loan closing.       If this is something offered to you, refinancing your auto loan at this time could be the best choice.       Why? Well, delaying your loan payment for 1-3 months (depending on what is offered to you)  can offset any large purchases you plan on making (or have made) and give your wallet some breathing room.       Lower Interest Rate    Depending on when you financed your current car loan, it's probable that either auto loan rates have fallen, or your credit score has improved, or both.       If that's the case, you may qualify for an auto loan with a lower APR, which, over time, can reduce the amount you'd pay in interest on the loan.       Shorter Term    Not everyone wants to refinance their auto loan for a lower monthly payment. If your current auto loan is longer than you'd like, consider refinancing for a shorter term.       Although this will raise your monthly payment, refinancing for a shorter term can benefit you in the long run by helping you pay off your debt sooner, and in the not so distant future, you could enjoy living without a car payment.     Auto refinancing is not a standard process for everyone, as each person has a unique situation.       If you find yourself wanting to refinance your car loan, Triangle Credit Union is offering a limited-time 4.99% APR* special. Visit our website for full terms and conditions and check the link in the show notes to apply online!       If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Though the Holiday season has just wound down and we've celebrated the arrival of a new year, this time of year is still peak season for cybercriminals and identity thieves.  Links: Explore sites Charity Navigator and Give.org to find trusted charity organizations Learn more about the benefits of a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   With online shopping, traveling, and increased sharing of personal information, the risk of identity theft can rise dramatically this time of year. Follow these tips to help keep your identity safe and, in turn, keep this season, and your new year, stress-free.  Safeguard Your Personal information Whether you're still shopping in-store or online or traveling to visit friends and family, limit the information that you share. Avoid oversharing and only provide the details necessary for a purchase or transaction. Shred any sensitive documents, since discarded holiday offers, receipts, and financial statements can be goldmines for thieves. Finally, stay vigilant of potential phishing scams. Ignore unsolicited emails or messages asking for personal details for payment information.  Strengthen Your Digital Security Cybercriminals ramp up their activities before and after the holidays. Keep your accounts secure and help protect your personal information by enhancing the security of your accounts and your devices. You can stay secure by keeping software up to date. Regular updates help patch vulnerabilities in your devices and the applications that you use. Additionally, when you enable Multi-Factor Authentication (MFA) you can significantly reduce the risk of unauthorized access to your account by validating your identity through more than one authentication method. And remember to use strong, unique passwords for each of your accounts.   Watch Out for Charity Scams While the season inspires generosity, it's also exploited by scammers. Before you donate, take time to verify the charity's legitimacy. Trusted sites like Charity Navigator and Give.org can help you identify and evaluate charity ratings and donor resources. Avoid donating through email or social media links and go directly to the charity's official website.  Secure Your Mail and Travel Plans During this time of year, your mail and travel habits can expose you to risks. Hold your mail if you are traveling or ask a trusted neighbor to collect it. Beware of package theft, too. If you are unavailable to bring deliveries inside right away, consider using secure delivery options or pick-up lockers to keep your parcels safe. Additionally, if you're traveling in the near future, be mindful about what you share. Advertising your absence or accidentally revealing sensitive data in photos, such as full name and date of birth, could increase your risk of identity theft and fraud.  At Triangle Credit Union, your security is our top priority. By following these tips now and throughout the year, you can significantly reduce the risk of becoming a victim of identity theft. Stay vigilant and proactive in looking after your personal and financial information.   If you suspect identity theft for any reason, contact us - even if it's not related to your account at Triangle. If you have a Triangle Better Checking account, you have access to a professional, certified Identity Theft Recovery Advocate who can work with you one-on-one to identify and resolve identity theft or fraud and return your identity and your accounts to pre-event status.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

During the holiday time, we're all shopping a lot in-person or online, and most of us are using credit or debit cards for convenience. If you're one of the many who prefer to use cards to pay, there are a host of reasons why storing your cards digitally in your phone's mobile wallet increases efficiency and security, especially during the busy holiday season.  Links: Learn more about the benefits of Mobile Wallets Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.    If you have a smartphone, you can use its mobile wallet feature to shop smarter and safer this year.  Here are a few reasons to load payment cards to your phone's mobile wallet to use at your next check out.  Reason 1: Your transactions are secure.  When you set up your mobile wallet, your card details are protected by a PIN, fingerprint, or password, so only you can access them in the app.  When you pay, your phone uses near-field communication to connect with the terminal. This process encrypts your data and keeps your information safe.  Your credit card number is replaced with a random digital ID, called a token, so your actual card number isn't shared when you pay.  If you've been unsure about paying with your phone because of security, rest assured that extra steps are in place to keep your transactions safe. Reason 2: It's more sanitary than using cash or cards.  Cash can carry a lot of germs since it passes through many hands. With everyone more aware of germs and viruses these days, especially during cold and flu season, using your mobile wallet means you don't have to handle cash that's been everywhere.  Reason 3: It's much easier.  It can be frustrating to dig through your wallet or purse for a card. With a mobile wallet, you just open the app, pick your card, and hold your phone near the terminal. Since you're often already holding your phone, you're ready to pay right away.  Reason 4: It's helpful if you forget your wallet.  Have you ever left your wallet at home or in the car? It doesn't happen often, but it can. If your cards are in your mobile wallet, you have a backup if you forget your wallet or purse. Even if you don't use it often, it's worth setting up just in case you ever need it.  Mobile wallets are a great alternative to traditional wallets and can make shopping easier and more convenient.  Now might be a good time to give it a try if you haven't already.  If you have other tips or topics you want us to talk about, email us at tcupodcast@trianglecu.org. Don't forget to like and follow our Making Money Personal Facebook page, and check out our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.  Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.  Have a great day!

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The holiday season can bring with it many surprises, some of which might come in the form of a holiday bonus. If you got a bonus or are expecting a bonus this time of year, hold off on spending it all right away, because there are a few ways to maximize that cash for some great financial benefits.   Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   A holiday bonus can feel like a windfall—a chance to splurge on gifts, vacations, or luxury items. But before you spend it all, consider this: that extra cash could be the key to building financial security and achieving your long-term goals. Here are five smart strategies to make your holiday bonus work for you.  1. Pay Down High-Interest Debt Credit card balances, personal loans, and even student loans all carry interest rates that can drain finances over time. If you're looking to improve your financial health and free up future income, consider using your bonus, or a portion of it, to pay down some of that debt.  Reducing debt not only lowers your monthly obligations but also improves your credit score and financial flexibility.  Unsure which debt to pay first? Start with the highest-interest debt first for maximum savings. If you have student loans, consider applying extra payments toward those not eligible for forgiveness programs. Even a small lump-sum payment can significantly reduce the total interest you'll pay over the life of the loan.  2. Build or Boost Your Emergency Fund Life is unpredictable—medical bills, car repairs, or sudden job changes can happen anytime, and without a safety net, these surprises can lead to financial stress or debt. An emergency fund acts as a financial cushion, giving you peace of mind and stability when life throws curveballs. Experts recommend saving at least three to six months of living expenses in a separate, easily accessible savings account. This ensures you can cover essentials like housing, utilities, groceries, and transportation without relying on credit cards or loans. This is another great way to use some or all of that bonus money.   3. Invest in Retirement Accounts Your bonus can be a powerful tool to accelerate your retirement savings. Contributing to accounts like a 401(k), IRA, or Roth IRA not only helps secure your financial future but can also offers valuable tax advantages. The earlier you invest, the more you benefit from compound growth—your money earns interest, and that interest earns interest over time.   Look at your retirement contributions and if you haven't maxed them out yet, consider putting a portion or all of your bonus money into your retirement account. Even small, consistent investments can grow significantly over decades, thanks to compounding. And remember—prioritizing retirement savings now means more flexibility and security later.  4. Fund Short-Term Goals Dreaming of a vacation, a home upgrade, or another big-ticket item? Your bonus can help you achieve these goals without relying on credit cards or loans. Using cash instead of borrowing keeps you out of debt and saves you from paying interest later. Start by identifying your top personal goal—whether it's a family trip, a kitchen remodel, or a new tech gadget—and estimate the total cost. Then, earmark a portion of your bonus specifically for that purpose. This approach allows you to enjoy life's luxuries guilt-free while staying financially responsible.  5. Treat Yourself or Others Being thoughtful about how to spend your bonus doesn't mean cutting out all enjoyment for yourself. If you're already a budgeting pro and have all the prior items I mentioned covered, then by all means, celebrate this time of year and feel free to use that bonus to get yourself or your family something special. After all, using it to celebrate yourself, your family, or those close to you can bring forth returns in other ways. Treating yourself can provide returns of self-satisfaction, care and personal healing while treating others can build bonds and create memories that'll last for years to come.   If you have other tips or topics you want us to talk about, email us at tcupodcast@trianglecu.org. Don't forget to like and follow our Making Money Personal Facebook page, and check out our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.  Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. Have a great day!

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