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Tip Tuesday, 4-7 Min Real Estate Tips​Thinking about buying a home in Arizona? This Tip Tuesday episode covers the key steps to securing the right home loan, reveals how the Two One Buy Down can lower your payments, and explains negotiating for seller-paid concessions. Get practical advice and local insights to make your home buying process smoother and more affordable. Perfect for first-time buyers and seasoned homeowners alike.​​​#ArizonaHomeBuyers #MortgageTips #TwoOneBuyDown #SellerConcessions #HomeBuyingAdvice #AZRealEstate​​​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.

Tip Tuesday, 4-7 Min Real Estate TipsThinking about buying a manufactured home in Arizona? This episode of Real Estate Tip Tuesday breaks down the essentials with Real Estatie Katie and mortgage expert Ryan Gilliam. We cover the key differences with manufactured like important financing considerations and the hidden costs of leased land. Whether you're a first-time home buyer or just curious about your options, you'll get practical advice and local insights to help you make a confident decision.​​If you have questions about Arizona real estate or want more info on manufactured homes, reach out any time or check out our other resources.​​#ArizonaRealEstate #ManufacturedHomes #HomeBuyingTips #AZHomebuyers #RealEstateAdvice #TeamEvoAZ​​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.

There are so many different ways scammers try to trick people. Some scams are easily recognizable, while others might not be so obvious. The effectiveness of a scam depends on many factors, most importantly, the victim's unawareness of the scammers' techniques. Staying aware is the number one thing we should all do to stay ahead of scammers and live with a little more peace of mind.   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.   We cover fraud scams and alerts on this channel a lot, but the truth of the matter is that fraud attempts are always occurring so it's imperative that everyone should stay on top of the most effective or newest trends in order to keep themselves and their loved ones safe.  This tip is going to present examples of some gut-wrenching scams individuals have experienced using three fictitious stories based on real tactics.  #1 Virtual Kidnapping  David was halfway through his morning coffee when his phone rang with a recognized number – his wife's. The voice on the other end was cold and urgent: “We have your wife. If you want to see her again, send $25,000 through Zelle—now.” Panic surged through him as the caller described personal details about his wife, making the threat feel terrifyingly real. He knew his wife was already on her way to work, but occasionally stopped at a local cafe or store to pick up a coffee or morning snack. David's hands trembled as he opened his banking app and considered sending the money, but something about the situation didn't feel right. He asked the caller to put his wife on the phone. The caller refused and instead continued to push David into sending over the money. David began to suspect he was being scammed, so he decided to hang up and call his wife's office phone. Within seconds, she answered on the other end, confused but safe. Immediately, the scam unraveled, leaving David shaken but relieved, and prompting a call to the police to report the fraud.  This kind of scam preys on fear and urgency. Scammers often use social media to gather personal details, then demand payment through apps like Venmo or Zelle, which are harder to trace. David's quick thinking saved him from a costly mistake—but not everyone is so lucky.    #2 AI Voice Cloning:  Margaret was folding laundry when her phone buzzed with a call from her daughter, Emily—at least, that's what the caller ID said. Emily's voice came through in a frantic rush: she'd been in an accident, her wallet was gone, and she needed money immediately to avoid legal trouble. “I'll send you a link,” she said, her voice trembling. “Just click it and send whatever you can through Zelle.” Margaret's heart raced. The voice sounded just like Emily's—same tone, same cadence—but something felt off. The urgency, the unfamiliar link, the fact that Emily had just messaged her hours before about coming to visit for the holidays. Margaret hesitated, then decided to try something. She remembered Emily had just told her something personal a little while ago that no one else could have known. She quickly asked to Emily to remind her the specific details about that conversation. The caller on the other line was silent for a second then came back with a different question in an attempt to deflect. Margaret was more convinced now this was a scam, so she hung up the phone and called Emily's number. When her daughter answered calmly from her apartment in Pennsylvania, the truth hit: the voice had been AI-generated, and the link was a scam.  This type of fraud is growing more sophisticated, using voice cloning and spoofed caller IDs to exploit emotional bonds. Margaret's instinct to verify, saved her from financial loss, but the experience left her shaken—and more cautious than ever. Any of us might face a scam like this in the future, so it's important to develop pass phrases or codes you can use with friends and family to verify each others' identities in case a scam like this ever comes up.    #3 Bank Impersonation Fraud  Jason was just finishing dinner when his phone rang with a number labeled “Bank Fraud Department.” The caller sounded professional, even reassuring, and said they'd detected suspicious activity on his checking account. “We need to verify your identity to cancel the card and secure your funds,” the voice said. Jason, alarmed but trusting, began answering questions—his full name, date of birth, and eventually his account number and online banking login. The caller promised a confirmation email would follow shortly. But when Jason checked his bank app minutes later, he was locked out. His account had been drained.   This scam relies on urgency and authority to trick victims into revealing sensitive information. Scammers often spoof legitimate phone numbers and use insider lingo to sound convincing. Jason's experience is a reminder of how sophisticated scammers can be. It's policy for most banks and financial institutions that they'll never ask for full login credentials or account numbers over the phone. When in doubt, hang up and call the bank directly using the number on the back of your card or found on their verified website.  Scams are increasing in sophistication these days, especially when tools like AI can convincingly replicate the voices of friends or loved ones. Please keep these scam tactics in mind and share with others in your life. Awareness is the first step in keeping our identities and finances safe in today's mobile and digital world.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our new Making Money Personal FB page and look for Triangle 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! 

How's your credit score? Is it in tip-top shape, or maybe it could use a little bit of love? The fact is that your credit score is one of the most important financial metrics we use today and how we manage and nurture it makes a huge difference in shaping your financial opportunities. By managing and improving it, you can secure better loan terms and lower interest rates, paving the way for a healthier financial future.   Links: Explore the identity protecting benefits of a Better Checking account Disputing Errors on Your Credit Reports | Consumer Advice 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 credit score might seem like a mysterious three-digit number, but it holds significant influence over your financial life. Whether you're applying for a loan or a credit card, renting an apartment, or even setting up utilities, your credit score plays a crucial role in the decisions that lenders, landlords, and service providers make. Your credit is a valuable asset, and credit score awareness can be a crucial piece in overall financial wellness and identity theft protection. In this tip, we want to remind account holders of the importance of understanding credit scores and provide some tips to help them improve and maintain a healthy credit score.   What Is a Credit Score?   Simply put, a credit score is like a grade for how good you are at managing money. It is one of the most important tools that lenders and financial institutions use to assess the risk of lending money to you. A higher credit score indicates a healthy credit history; therefore, a lower credit risk, making you more appealing to potential creditors. Credit scores typically range from 300 to 850, with higher scores being better, indicating that you have consistently made payments on time to satisfy your credit obligations. While a "good" credit score varies based on the lender and the specifics of the loan request, it is typically around 700 or higher. Once your score is over 760, you may expect to be offered the best available rates. Credit agencies refresh scores once a month, but the exact timing of those updates may vary based on a myriad of factors.  How Is a Credit Score Calculated?   You might be surprised to learn that you can have multiple different credit scores at the same time. Based on where the lender obtained their data (from one, two, or all three credit reporting agencies), the credit score model that is used, the lender's own criteria for issuing credit, and the timing of when the score was produced. A hypothetical scenario for calculating a credit score might weigh the following factors this way:  Payment History (35%): This is the most important part. It's like getting a gold star for paying bills on time. If you pay on time, your score goes up. If you miss payments, it goes down.  Credit Utilization (30%): Imagine you have a money jar, and you use only a little bit of it. That's good for your score. But if you use a lot of it, it's not so good. This measures how much of your available credit you're using.  Length of Credit History (15%): The longer you've had credit (like a credit card or loan), the better. It's like experience points. More experience means a higher score.  Credit Mix (10%): Having different types of credit, like credit cards and loans, can be like having a diverse team. It's good for your score, but you don't need to have them all.  New Credit (10%): Every time you apply for new credit, like a loan or a credit card, it can slightly lower your score. Too many applications at once can hurt your score.  Lenders will also look at other factors, such as your income, your assets, or how long you have been at your current job. Note that a high credit score isn't the only sign of financial health. An individual who chooses to use cash or debit cards for major purchases rather than taking out loans will likely have a lower credit score than someone with a long record of multiple well-managed debts, even though they may be very financially responsible.      Why Does Your Credit Score Matter?   Getting Credit: When you need to borrow money, like for a credit card or a car loan, lenders look at your credit score. If it's high, they're more likely to say yes. Plus, you might get lower interest rates, which means you pay less in the long run.  Interest Rates: A good credit score can mean lower interest rates on loans and credit cards. Lower interest rates save you money, so it's a win.  Renting a Home: Landlords often check your credit score when you apply to rent an apartment. A good score can help you get the place you want.  Utility Bills: Some companies might look at your credit score before deciding if you need to pay a deposit for things like electricity and water.  Job Opportunities: Some jobs, especially those handling money, check your credit as part of the hiring process. A good credit score can make you more attractive to employers.  For those interested, here are 9 Tips to Improve Your Credit Score  Pay Bills on Time: Make sure you pay your bills by their due dates. Set up reminders or automatic payments to help you stay on track. Manage Credit Cards Wisely: Keep your credit card balances low compared to your credit limits. Aim to use less than 30% of your available credit. Pay off your credit card bills in full whenever you can. Mix Different Types of Credit: Having different types of credit, like credit cards, loans, and mortgages, can boost your score. Only open new credit when you really need it. Don't Close Old Accounts: The longer you've had credit, the better. So, avoid closing old credit card accounts, especially if they have high credit limits. Deal with Problems: If you have late payments or debts in collections on your credit report, work on fixing them. Pay off debts in collections and ask creditors to remove them, if possible. Ask for a Credit Limit Increase: If you've been good at paying your credit card bills, consider asking for a higher credit limit. Having a higher credit limit could reduce your total credit utilization, which can help your credit score. Be Careful with New Credit Inquiries and Too Many New Accounts: Every time you apply for new credit, it leaves a mark on your credit report. Too many marks can hurt your score, so be careful about applying for credit often. Likewise, opening lots of new credit accounts in a short time can worry lenders and lower your score. Only open new accounts when you need them. Check Your Credit Report Regularly: Dispute any errors you find in writing to all three credit bureaus. You'll want to include the credit bureau's dispute form as well as any supporting documentation and be sure to keep copies of everything you send. You can find sample letters and more information about how to file a credit dispute in an article from the Federal Trade Commission (link will be in the show notes.)  Stay Alert for Signs of Identity Theft: All the work you do to improve your credit score could be thwarted by someone who has stolen your personal identifying information to take out loans in your name. Review your credit report and watch for any signs of identity theft to ensure your credit score is impacted by only your own financial behavior. If you find evidence of identity fraud in your credit report, remember, we can help. Members with a Triangle Better Checking account with IDProtect, have access to Identity Theft Resolution Advocates who are standing by to dispute fraudulent activity that might damage their credit standing.      Build a Credit Score Without Debt  Young adults and those who have never had a need for credit may not want to go into debt but want to build their credit score. Here are a couple of ways that you can build your credit score without debt.  Apply for a credit-builder loan, which places the money you borrow into a certificate of deposit (CD) or savings account that you can claim after making 12 monthly payments.   Apply for a secured credit card, which gives you a line of credit that is backed by a cash deposit.  Remember, with your Better Checking account, you are entitled to receive convenient access to your TransUnion® credit score monthly. Your score is tracked on a timeline to help identify unexpected changes in your score's movement that could indicate identity theft.  Plus, with a Better Checking account, you have access to your annual credit report. Visit our Better Checking dedicated site to access your benefits of download the TCU Better Checking app for convenient access on the go.  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! 

You may have seen the news that some airlines are banning power banks or the use of lithium batteries while flying - so, before you leave home, it's important to read your airline's battery policy! Here are some tips to fly with power banks and other battery-powered devices.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 TipsOut-of-state buyers are still making headlines in Arizona's real estate scene. Lately, we're seeing plenty of new applications from folks relocating from California, Washington, and the Midwest—drawn by our sunshine, lifestyle and relative affordability. Even with a recent dip in home prices, affordability can be a challenge for some, but Arizona remains more accessible than many other markets. ​​#MovingToArizona #ArizonaRealEstate #RelocationTips #AZHomeBuyers #Affordability #OutOfStateBuyers #RealEstateTrends​ 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.

When it comes to impulse buying and overspending, one often overlooked area is the grocery store. Fortunately, there are simple strategies you can use to save money on groceries and keep your costs within your budget.  Links: Check out TCU University for more 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.  Have you ever looked at your grocery receipt in shock, realizing you spent more than you planned? Groceries can quickly add up, and many people are just as likely to make impulse purchases at the grocery store as they are elsewhere. Being aware of your spending and planning ahead are essential to shopping smart and managing regular expenses.  If you're looking to reduce your grocery bill, here are a few tips to consider:  Serve Simple Meals: Dinner doesn't have to be complicated. Large meals with multiple sides and desserts can require significant prep work and increase costs over time. Consider simpler meal options like BLTs, big salads, egg sandwiches, or quiches. You don't need to prepare an elaborate feast every night; with a little creativity, you can enjoy satisfying meals without the extra effort and expense. This approach may also help reduce food waste if you or your family can't finish leftovers.  Pay with Cash: This is a useful strategy for those who stick to a budget. If you know how much you can spend on groceries each week, bring that exact amount in cash and avoid exceeding it. This way, overspending becomes impossible. If you prefer not to use cash, consider setting a spending limit on your credit or debit card.  Try Delivery or Pickup Services: The growing popularity of grocery pickup and delivery services offers more than just convenience; these options can help you cut back on spending. Shopping online decreases the likelihood of impulse purchases. When you walk through the store aisles, you're more likely to encounter items you didn't plan to buy and toss them into your cart. Instead, opt for online shopping, scheduling a pickup or delivery. While many grocers may charge a small service fee, it could be insignificant compared to the money you save by avoiding impulsive buys. Often, the minor service charge is worth the savings. Pay Attention to Sales: Smart shoppers always keep an eye out for sales, especially on meats, which can help reduce your grocery bill. Take note of when your favorite items go on sale and track their sales cycles to plan your purchases in advance. With some discipline, you'll find that the savings add up over time. Consider Buying Generic: Generic items are often cheaper than their brand-name counterparts. By switching some or all of your items to generic brands, you could see significant savings. Some grocery stores offer rewards programs that provide money back when you purchase their store brands. Not only are you buying cheaper items, but you're also getting a little something back for your purchases—an extra win for your wallet!  Groceries are a necessary expense in our budgets, but how much we spend can vary widely. With some planning, discipline, and creativity, you can keep this essential expense from getting out of control.  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 TipsReady to buy a home but worried about hitting roadblocks? We're breaking down the top three things that keep buyers from qualifying and how you can avoid them. From common credit slip-ups to paperwork pitfalls, this episode covers what you need to know to keep your home search on track. Stay ahead of the game and make your move with confidence.​#HomeBuyingTips #ArizonaRealEstate #MortgageAdvice #AZHomeBuyers #CreditTips #RealEstateJourney #FirstTimeBuyer​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.

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Fall is in the air, and you know what that means? It's still a great time to search for that perfect house! As the leaves begin to change and the weather cools down, the real estate market stays active with fresh listings and motivated sellers. Whether you're cozying up to the idea of buying your first home or thinking about making a move before the holidays, autumn is a great time to explore your options and find that perfect place to settle in.  Learn more about Triangle's Mortgage programs Get started now with a Mortgage application Questions? Get in touch with one of our Mortgage Originators Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Triangle Credit Union is an equal housing lender. Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Home Buying can be a daunting task, especially if you've never gone through the process before. There are so many things associated with home buying that it can cause you to become quite anxious. Still, by following these steps, you'll have a more enjoyable experience on your journey to home ownership!   Step 1:  Get as educated as you can early in the process. Watch videos, listen to podcasts and explore articles and blogs on the subject of home ownership to get yourself familiar with as much as you can. Also, if you don't already have a realtor in mind, follow a couple of them on social media and see what they are posting about in terms of home ownership. Go to Facebook and type in "Realtor" followed by "in [your town.] For example, I might type in Realtor in Nashua, NH. A list of realtors in my area will appear. I wouldn't reach out yet. This is more to get a feel for their posts and gain some valuable insight.    Step 2:  Once you feel ready to start the process, it's time to get pre-approved. In today's market, being well-prepared is key, and that includes having your finances in order. To be financially ready, you'll want to have little to no debt, an emergency fund, and a down payment, typically anywhere from 3.5% -20 % of the purchase price. The more you put down, the less your monthly payment will be. For a pre-approval, Triangle Credit Union offers tailored programs to meet your needs, so don't hesitate to reach out if you are within our area. We're here to support you every step of the way!   Step 3:  Find the right realtor for you. I am sure you know someone who has purchased a home before.. Ask them who they worked with and how their experience was! They will give you a first-hand account of the process and will be happy to recommend their agent to you. If you can't get someone to recommend a realtor, go back to Facebook and check out the ones you followed in step 1, and consider reaching out to two or three. Interview them and see if one of them meets your needs! Ask ALL of the questions you have! Remember, they work for you!   Step 4:   Visit open houses and make an offer on the home that catches your eye. Houses go on the market on Monday, and within a few hours, private showings are scheduled, and in some cases, offers are being made above the asking price! If you find a home you love, make a firm offer and keep your fingers crossed. But if your offer isn't accepted, don't lose heart! Your dream home is out there, waiting for you to discover it!    Step 5:  Once your offer is accepted, it's time for the Home Inspection. A home inspection of the property is a thorough walk-through by a licensed professional to check for signs of structural damage or things that may need fixing. This includes checking the foundation, roof, plumbing, electrical systems, and more. Your real estate agent will usually help you arrange this within a few days of the seller accepting your offer. This process protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage. Both you and the seller will receive a report on the home inspector's findings.    Step 6:  Have the Home Appraised. Your lender will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraisal will let all the parties involved know that you are paying a fair price for the home. The lender's interest in this process is to ensure that the property is worth the amount they are lending you. And Finally….    Step 7: Congratulations! It's time to close on your home purchase. At closing, you will sign all the paperwork required to complete the purchase, including your loan documents. Once this happens, the loan is finalized, a check is delivered to the seller, and you're done. You are ready to move into your new home!   While there are plenty of other things to know and consider, this is a macro-level idea of how the process works. The most important thing is to do your research, as I mentioned in Step 1, and find yourself a realtor who will guide you through this process. Remember, while the home-buying journey ends at the closing, it's really just the beginning. Your new home is ready to be filled with countless memories for years to come, and that's something to look forward to!    Do you have any additional tips or advice that will help our listeners with this topic or other financial matters? Email us at TCUPodcast@trianglecu.org or look for Triangle on Facebook, Instagram, and LinkedIn to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to listen to our other tips and episodes on the making money personal podcast.   Have a great day!  

Meggan shares the story of an abandoned plan in Barcelona, and how they came to the decision to leave an experience they had already paid for. Sometimes plans don't work out when you are travelling, and it's okay to do something else!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 TipsWondering if you should hold off on buying a home until rates go down? We're breaking down what that actually means for your payment, with real examples of what buyers pay—with and without rate buydowns. ​​See how we're still helping clients lock in better deals, and why waiting might not be your best move. If you want to make a smart decision in Arizona's market, this episode is for you.​​#ArizonaRealEstate #MortgageRates #HomeBuyingTips #AZHomeBuyers #RateBuydown #RealEstateAdvice #PaymentScenarios​​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.

Tip Tuesday, 4-7 Min Real Estate TipsHouse hunting in Arizona's summer heat isn't for the faint of heart, but there are ways to make it easier and way more successful. We'll cover what you need to know before you start your search, how to stay cool (literally and figuratively), and the steps that set you up for success in this hot market. ​​If you want to find your next home without breaking a sweat, this episode is for you.

In today's digital world, with so much of our information and interactions taking place over the internet, sooner or later we're bound to receive suspicious messages or emails trying to trick us into giving sensitive account information. There are always scams circling around we should all be aware of, and today's scam of note involves Amazon.  Links: Stay up to date on scams with Amazon's security info blog Report scams and stay up to date on PayPal's security center Get Triangle CU news and fraud updates at TCU University Learn more about the Better Checking account with Identity Protection 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.   As of 2025 data, Amazon Prime has surpassed over 260 million users worldwide. It's a company widely recognized that countless users know and trust. So it's no surprise that scammers will try to use anything associated with Amazon, to pump out deceiving, yet convincing messages to grab your attention and get you to think you're working with Amazon to resolve an issue or update and order. But beware, because you might instead be working with a fraudster.   Imagine this. You're in the middle of your workday, focused on projects, emails and tasks, and suddenly your phone buzzes with a new message. It looks to be from Amazon stating that there's an issue with your recent order and that you can quickly resolve the issue by clicking the link to resolve the issue or initiate a refund. The message tries to get you to act fast by noting that if you don't follow the instructions you'll lose the refund. Maybe you're alarmed, or surprised, so what do you do? Click the link?  Unfortunately, many people fall for scams like these, especially when they come from such a recognizable company as Amazon. I personally have received these from not only Amazon, but PayPal, Ebay and even some of my financial institutions. It can't be stressed enough how important it is for us to respond appropriately to these messages. In this case, caution and consideration over swift action.   This message is timely because just recently Amazon reports that there have been fraudulent messages circulating with the purpose to steal financial information include fake order confirmations that require payment and emails claiming there is an account issue or order issue that needs to be resolved.  The purpose of these scams is to steal financial information or get you to transfer money. You're the first line of defense in safeguarding your financial information.   Here are a few tips to keep in mind when it comes to suspicious messages and identity protection in general.   Don't EVER click links in urgent text messages or emails. Verify by checking your account updated in the application or website that you visit directly. I personally do it myself all the time. If I get an urgent message about something going on with any of my accounts, I open the app on my own, log into my account and check my updates or order information. Most of the times that I've done this, it further confirmed the alarming message was fraudulent. Stay on top of current fraud trends. Knowledge is power. It's important to know what kinds of fraud tactics exist so you can best guard against them. Scammers are always inventing new ways to trick people, so keeping informed on current tactics is your best line of defense. They've found ways to use QR codes, text messages, phone calls, and now AI tools to come up with new and convincing scams. Keep an eye out for news on data breaches, scam alerts, and explore blog articles and other security information to keep your knowledge up to date. Amazon posts updates on their own security blog (check the link in the show notes), PayPal dedicates a page on their site for reporting and learning about ongoing fraud trends (link in show notes), even your financial institutions likely share news on recent scams. Triangle posts about a lot of fraud content with news and tips at our educational site TCU University (link in show notes). So next time you get word that there's another scam making the rounds, don't discount it, investigate it.    Protect your identity. Even the most vigilant person can still unfortunately become a victim of identity theft. All it takes is a very well-crafted scam during a moment of distraction or even a large-scale data breach to compromise your personal info. But, in the unfortunate event something like this happens, all is not lost. Having something like identity theft protection can be your saving grace. Triangle's Better Checking with identity protection provides not only safeguarding but also an identity resolution case manager and theft reimbursement coverage in case there is an instance of identity theft. Learn more about the identity theft protection benefits with a Better Checking account at trianglecu.org. 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! 

Everyone dreads lost luggage, but cross-packing can help minimize the effect of a lost bag! Here's how and when to cross-pack!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, 2-4 Min Real Estate TipsReady to make Arizona your home?

Recurring subscriptions – such as streaming services, apps, and memberships - can quietly drain a budget. Many people don't realize how much they're spending until it's too late. If you are one of the many people trying to manage several streaming services and other subscription services, it is crucial to pay special attention to subscription payments to properly manage and understand their total cost over time.  Links: Explore Triangle's Money Management tool in online and mobile banking 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 this tip off with a short story.  Ryan, a tech-savvy professional, was taken aback when he reviewed his bank statement and found over a dozen subscription charges he had overlooked. Each month, small fees from various fitness apps, streaming services, and even a couple of online magazines accumulated, ultimately totaling hundreds of dollars. As he analyzed the list, he remembered signing up for some of these services during promotional periods, but many had slipped his mind entirely. The realization left him feeling a bit frustrated, as he struggled to keep his finances in check amidst an overwhelming number of recurring payments. Determined to regain control, he decided it was time to reassess his subscriptions and prioritize his spending.  There are many people out there who can relate to Ryan's story. We eagerly sign up for subscriptions to services and platforms that we don't always remember we're on the hook to pay for month over month.   The real challenge arises when we've accumulated so many subscription services over time that we've stopped paying attention to how many we're paying. This can be dangerous, not only because it can lead to wasteful spending, but subscription prices can rise over time to where we'll likely find ourselves paying way more than we initially planned.    This tip is about empowering you to live more financially free by building awareness on how to properly manage the subscriptions you currently use.   Here are three things you can do to take charge of your subscriptions so you can enjoy the benefits without letting them wreak havoc on your wallet.   First of all, do the math. Add up the cost of every subscription service you're paying for. The only way to determine if your subscriptions are becoming too expensive is to know how much they're costing you in the first place. Don't assume you know each charge because prices may have changed since you first signed up. It's not uncommon for subscription services to increase prices periodically so what used to be $5.99 a month might now be $8.99.   Second, stay organized. Keep track of all the subscriptions. Use a financial app or other tool that can give you a snapshot of all your subscriptions and their due dates. Using a tool like Triangle's Money Management makes it easy to categorize all your payments into groups. Creating a category for streaming services will make it easy to see every charge that goes towards subscriptions.   Third, use it or lose it. Cancel any subscriptions you find you're no longer using. If you haven't gone to the gym in months, but are still paying for it, consider either blocking time off the schedule to head there or cancel it altogether. Signed up for monthly delivery boxes or paying for a streaming service you haven't used in a while, it might be time to cut those out of your budget. This step is all about truly reflecting on your needs and wants and determining whether there are any opportunities to free up some extra money by shedding unnecessary spending.   Finally, for any new subscriptions you consider, take time to look up and understand the cancellation terms. Before signing up for a new subscription, take a moment to review the cancellation policy. Check for cancellation fees, renewal costs or other changes. You don't want to get caught paying extra money to cancel your subscription.   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, 2-4 Min Real Estate TipsEver get bombarded with calls after checking your credit for a home loan? You're not alone! Congress just passed a new law aimed at protecting buyers from those annoying trigger lead solicitation calls. Here's what this means for you as a homebuyer in Arizona, and how it can help keep your phone (and your sanity) safe during your real estate journey.​​Stay informed so you can keep your real estate journey smooth and secure!​​​#ArizonaRealEstate #HomebuyerTips #TriggerLeads #CongressUpdate #RealEstateNews #AZHomes #StopSpamCalls​​​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.

Purchasing a home is a big decision. For most people, it's the biggest purchase they will make in their lifetime. Unfortunately, for many homeowners, even a possession like a house can fall under the threat of identity theft tactics, which makes awareness and protection an important necessity in this day and age.   Links: Explore the benefits of a Triangle Better Checking account For those with Better Checking, sign up now or log in to access additional identity protection benefits 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 home is so much more than an asset. It's where we live, raise our children, entertain friends, and feel the most secure and at peace. It's easy to understand why people would want to protect their homes at all costs. "Home Title Theft" or "Deed Fraud" has received a lot of attention lately and sounds as scary as it is. Let's take a look at what defines Home Title Theft and the prevalence of this crime. We will also present the difference between Home Title Theft and Loan Fraud, and how Triangle Credit Union can help protect you against the effects of both, no matter where the fraud occurs.   Home Title Theft is a Real Thing  Home Title Theft occurs when a fraudster, armed with your personal information, uses forged documents to apply to the registrar of deeds of the county to have ownership of your property transferred to the fraudster's name. The fraudster then borrows money using the property as collateral and never makes the payments. You may not know that this transaction has occurred until the lender tries to foreclose on the property and finds that you, the "previous owner," is still living there. This situation leads to many questions about what comes next. Do you have to make payments on the loan to keep your home? Will you be able to sell your home? How can you undo the damage that has been done and get the title back in your name? What if the fraudster has sold the home to another person? How do you defend your rights to the ownership of your home? Before we go any further, let us put your mind at ease.   Professional Identity Theft Recovery Advocates Are Standing By  If you're a Triangle Better Checking account holder, your benefits include Fully Managed Identity Theft Recovery. If you find that you've become a victim of Home Title Theft a professional Identity Theft Recovery Advocate will personally assist you, including working on your behalf to reverse the damage, no matter how long it takes. It is also important to note that in addition to addressing the Home Title Theft, your Identity Theft Recovery Advocate will research and address ALL identity fraud that has occurred in your name. Having professional help to resolve your entire identity theft situation, especially in the protection of your home, is critically important.  How Often Does Home Title Theft Occur?  The short answer is that no one knows for sure. The FBI doesn't break out Home Title Theft in their annual crime statistics. Neither does the Federal Trade Commission ("FTC"). In the FTC's annual consumer fraud and identity theft report, the much broader category encompassing Real Estate Loans shows that this category represents less than 1% of the total of all identity theft incidents reported to the FTC in 2024. On the other hand, it appears that cases of Home Title Theft are on the rise in some regions of the United States.  Home Title Theft vs Loan Fraud  A much more prevalent crime is "Loan Fraud", where the fraudster impersonates you using your personal information. They approach a financial institution and borrow money using your property as collateral. This fraudulent loan will satisfy the criminal's goal of fast cash without going through the process of changing the title.   Who are Typical Victims of Home Title Theft and Loan Fraud?  Criminals will target people who have no mortgage loan on their home; therefore, there is not a second party to prevent the title transfer. The same is true for criminals who commit loan fraud. They want to find victims who have a large amount of equity in their home or victims who own their home free and clear of debt. Unfortunately, the largest segment of these consumers are the elderly.  What Can I Do to Help Protect Myself Against Home Title Theft and Loan Fraud?  Many counties offer a free service on their property assessor's search page to alert you by email of any changes of title for the properties you own. If there is not an automated function for your county, there is usually a way to search for the registered owner of a property to confirm no changes. Simply type the words "property assessor search" along with the name of your county and your state into your browser's search bar, or go to your county's website.  In addition, the Better Checking account has several features that could alert you to suspicious activity, including credit monitoring and high-risk transaction monitoring. Watch for these alerts and take action or call an Identity Theft Recovery Advocate.  If you're a Triangle member but you don't yet have a Better Checking account? Visit your local branch or open a new one online. You'll get access to identity theft protection and will receive an activation code to access the additional identity protection benefits like access to your credit report and score, credit card registration and 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.   Have a great day! 

When planning a trip, it can be easy to get overwhelmed by all of the so-called "must-dos" - but what makes a must-do, and do you have to do them all? Meggan dives into this question and talks about her experiences!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, 2-4 Min Real Estate TipsThis week we're unpacking some of the hottest VA loan topics for buyers and homeowners: how assumable VA mortgages work, what it means to waive mortgage insurance, and whether you can actually have more than one VA loan at the same time. ​​We'll even touch on VASP. If you're a veteran, active-duty, or just want to understand your options, you'll want to check this out! ​​Got questions or want to see if you qualify? Drop them below or reach out anytime.​​#VALoanTips #ArizonaRealEstate #AssumableMortgage #MortgageInsurance #VeteranBenefits #HomeBuyingAZ #RealEstateAdvice​​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.

Food delivery apps offer a convenient service to get delicious food brought directly to your door. But they can also pose financial hazards that can derail even the tightest budget. How can food delivery habits impact your overall financial health? Keep listening to find out.    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.   It's hard to resist the ease and comfort of using a food delivery service.  Whether it's for lunch, dinner, or a few simple items you need from the local grocery store, these services bring the world to your doorstep.    Delivery app services like Uber Eats, DoorDash, and Grubhub may be easy and convenient to use, but they can also be the reasons we find ourselves overspending on meals month over month.     Food delivery apps can often misguide us in various ways, and their impact on our budgets is significant. How do they influence our spending habits and finances?  Well, there's a chance you'll be paying more for the item than you would if you went to the store or restaurant yourself. Many restaurants list higher prices for items on delivery platforms to offset fees on their end. For example, a burger that costs $10 at the restaurant might be $12-$13 on the app. It's hard to say whether all restaurants increase pricing for items within the app, but I've noticed it a few times when I order some of my favorite treats from a local coffee shop in my neighborhood.   Another thing to keep in mind is that you can expect to pay additional fees, such as delivery and processing fees. For example, most platforms charge a delivery fee, which can range between $1.99 and $6.99, depending on the app, the distance for delivery, and demand. They can charge a service fee, typically a percentage of the order, such as 10-15%. Some apps will charge a small order fee if the order doesn't meet a minimum. And then there's, of course, the tip. Although tipping is optional, it's often expected and essential to give a little extra to the driver delivering your order. Considering all the fees, a $15 meal in person could become $25+ after the fees and the tip. Not exactly a budget breaker, but over time, those fees and tips can add up to a substantial amount of unexpected costs.     It's important to recognize that you are paying a premium for meals ordered through the apps. While delivery is undoubtedly convenient—especially when we aren't in the mood to prep, cook, and clean—the real money-saving option is cooking for yourself. On average, restaurant meals can cost up to five times more than making them at home. For instance, a deluxe cheeseburger might cost $4.63 to prepare at home, but it could cost $13.69 for takeout and $23.79 for delivery after the fees and tip are factored in. By consistently opting for food delivery, you'll end up spending considerably more on your meals. Sometimes the convenience of delivery is justifiable, but other times it's not worth the extra cost, so before opening the app to hunt for tonight's dinner, consider the significant cost savings of preparing the same meal at home.   So, we've covered the most significant way food delivery apps can cost you more. How can we help you enjoy the benefits of these apps without overspending? Here are a few ways to minimize the chances of overspending the next time you want to order out.    Opt for takeout and pick up the order yourself instead of paying more for delivery. You'll avoid all the added fees, and there's no need to tip a driver.    Avoid using the app and order directly from the restaurant. This can reduce the processing or service fees associated with ordering through an app.    Use a loyalty program to save. Most apps offer a loyalty program with zero delivery fees and other savings, albeit for a monthly fee. But if you find yourself using the apps frequently enough, do the math to determine if getting on a loyalty plan will save you money.   Set a monthly delivery budget to ensure you have money set aside for food delivery. This is an easy way to ensure you'll have the funds available to afford the joys of food delivery without the danger of overspending.   While food delivery services offer the ease and convenience of having delicious food and other household items delivered directly to our door, they can also lead to excessive overspending and the buildup of bad debt. It's crucial to remember that using these apps can be enjoyable, but they require discipline and financial awareness. With a bit of attention, planning, and discipline, we can all enjoy the benefit of using food delivery apps without damaging our finances.  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, 2-4 Min Real Estate TipsAre you leaving money on the table? VA loans can help eligible veterans and service members buy a home with zero down, ​ lower rates, and less hassle yet so many buyers miss out on these benefits simply because they don't know what's possible. Want to know if you qualify? We're breaking down the basics and answer your top VA loan questions so you can make the most of this program. Got questions? Drop them below or message us anytime!​#VALoan #HomeBuyingTips #ArizonaRealEstate #MilitaryHomebuyers #MortgagePerks #TeamEvoAZ #HouseHunting​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.

Are you an animal lover thinking about welcoming your first pet into your home? That's so exciting! Here are some friendly tips to help you prepare for the journey of pet ownership and understand the costs involved.   Links: Search for and adopt your next furry friend at petfinder.com Use Triangle's Goal Builder tool to start a saving fund for your next pet or a sinking fund for your current one! 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!   Owning a pet is one of life's great pleasures. We adore our furry friends—whether they're cats, dogs, rabbits, guinea pigs, or even gerbils! Who wouldn't want a playful buddy to share their lives with?   When it comes to how much a pet will cost you, there can be a big range. Some pets are quite affordable, while others may stretch your budget a bit. But don't worry—with some planning and a little research, you can get a good feel for the expenses that come with your new furry family member, making budgeting a breeze!   So, what should you keep in mind when considering costs?   First up is the purchase price. For dogs, you might find yourself spending anywhere from a couple hundred to a few thousand dollars for certain breeds. Cats typically come in a bit lower, but you should still budget a few hundred dollars. Smaller pets like rabbits, guinea pigs, and hamsters can be more budget-friendly both in terms of purchase price and ongoing care.   Remember, where you get your pet can make a difference in cost. Breeders often charge more, while adopting from a shelter can be a wonderful and economical option. Plus, when you adopt, you're giving a loving home to an animal in need, and many shelter pets are already vaccinated and treated, saving you those initial costs. If you're considering adoption, check out your local humane society or petfinder.com to find animals looking for forever homes.   Next, let's chat about medical expenses. If your new furry friend needs vaccinations, treatments, or surgeries, it's good to know what to expect. Procedures like spaying or neutering are quite common; you might pay around $130-$500 for dogs and $60-$370 or more for cats.   Grooming is another consideration. Some breeds need regular grooming, and while you can definitely take this on yourself if you're up for it, a professional groomer can do wonders too. Expect grooming costs to be around $30-$90 for dogs and about $50-$120 for cats per visit.   Food is a big part of your pet's budget, and there's a wide range of options out there. Whether you go for dry food, wet food, or even fresh scraps (just make sure they're safe for your pet!), you'll want to budget accordingly. Some pet owners even get creative and feed their pets fresh veggies or other kitchen scraps—just be sure to keep their nutritional needs in mind!   Let's not forget about supplies and toys! Depending on your pet, you'll need to stock up on some essentials. For dogs, think about getting a leash, tags, a comfy bed, and plenty of toys. Cats will need a litter box, a few toys, and a cozy place to sleep. Smaller pets like rabbits or guinea pigs will need cages, bedding materials, and a water bottle. Make a checklist of what you'll need and hunt for good deals so you can save a little!   If you're bringing a dog into your life, training is a worthy investment to consider. Some pups benefit greatly from professional classes, with the average cost of classes being $300 per course. But if you're up for the challenge, you can train them at home, too!   Planning to travel? You'll need to consider boarding costs, which for dogs averages $40-$100 per night and for cats $30-$70 per night. Many facilities offer package deals, which can help you save a bit.   Lastly, let's touch on pet insurance. Having coverage can be a lifesaver when unexpected costs hit. Routine vet visits might average a few hundred dollars, but emergency care can quickly add up to thousands. If you think you might struggle to cover those bills, pet insurance might be a smart move.   That's all for today! 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 tuning in to today's Money Tip Tuesday! Be sure to check out our other tips and episodes on the Making Money Personal podcast. Have a fantastic day! 

Have you considered taking an extreme day trip by flying somewhere early in the morning and flying back home that very same day? We discuss the pros and cons of very short trips!Episode Resources:Extremedaytrips.comSupport 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

It's never too late to start building a financial plan, but the more time you have to make your money work for you, the better. Developing good financial habits early on increases your chances of achieving financial independence, and starting in your 20s is even more beneficial.  Links: Start your savings journey with Triangle's Goal Builder tool Start your investment journey with Triangle's Financial Planning services 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 Americans often delay building a financial plan until they're much further along in life, typically waiting for unexpected circumstances to push them into action. This habit of postponing critical decisions can create unnecessary stress and limit our ability to grow wealth. Instead of taking charge, we allow life's pressures to dictate our financial choices, which can hinder long-term success.  If you're in your early, mid, or late 20s, now is the perfect time to prioritize your financial future. Don't wait for a life event to motivate you! Starting your financial journey now enables your money to grow and compound over time, giving you a distinct advantage.   Take the initiative to outline your financial goals. By working to develop healthy financial habits early on, you'll empower yourself to make informed decisions that will lead to lasting financial security. The actions you take today will pave the way for a brighter future—don't hesitate to seize this opportunity!  Here are a few practical things you can do in your 20s to start building wealth early:   PAY YOURSELF FIRST – Make it a point to develop good saving habits. Whether you're working part-time while in school or recently graduated and working full-time, whenever you get your paycheck, set aside a portion of your income into a savings account for emergencies or other savings goals. Any percentage is good, but somewhere around 10% is a widely accepted rule of thumb. Use a savings too like Triangle's Goal Builder tool within online and mobile banking to start your savings plan.  START INVESTING EARLY – Investing early in your 20s is one of the smartest financial moves you can make. The most significant advantage is compound growth—your money earns returns, and those returns earn returns, snowballing over time. Starting early also gives you more time to recover from market fluctuations, build wealth gradually, and potentially retire earlier or with more financial freedom. Explore financial resources, such as books, or connect with a financial professional to help you set up a solid investment portfolio. If you're ready to an investment journey, get started with Triangle's Financial Planning services. Visit trianglecu.org to learn more and get in touch! AVOID BAD DEBT -  Not all debts are created equal. Some are better than others. Bad debts are types of borrowing that do not contribute to building wealth or generating future income. They often come with high interest rates and are used to purchase depreciating items like clothes, electronics, or luxury goods that lose value quickly. Unlike good debt, which can be an investment in your future (like student loans or a mortgage), bad debt can trap you in a cycle of repayment without long-term benefits. Avoiding bad debt is important because it protects your credit score, reduces financial stress, and allows you to focus on saving and investing for your future.  LIVE BELOW (OR WITHIN) YOUR MEANS – Find a way to manage your money in a way that keeps you from overspending. Practicing good financial management habits can help reduce excessive spending, which might interfere with savings goals and even lead to increased debt. Understand your income and set up a budget that covers your living expenses, encourages saving, and allocates some money for fun, discretionary spending. Adopting frugal living, such as cooking at home instead of eating out, reducing food delivery services, and avoiding impulse purchases, is a great way to ensure you're living within your means and avoiding lifestyle creep. BUILD MULTIPLE STREAMS OF INCOME – In your 20s, you have a unique opportunity to explore various skills that can lead to extra income streams. As you build your career experience, seize the opportunity to diversify your earnings. If you're training to become a teacher, consider tapping into the lucrative world of online tutoring as a side gig. Additionally, if you possess talents in writing, graphic design, video editing, or social media management, platforms like Upwork, Fiverr, and Freelancer are excellent avenues to generate extra income. With so many exciting options at your fingertips, you can boost your revenue while simultaneously refining your skills and expertise.  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, 2-4 Min Real Estate TipsWhat Home Buyers Should Know About Gift and Estate Taxes Thinking about receiving a gift or inheritance to help with your next home purchase?  Recent updates to gift and estate tax rules could impact your options and long-term plans. This week, we're breaking down what these changes mean for Arizona buyers. Got questions about how these updates might affect your move? Drop them below or send us a DM! #HomebuyerTips #EstatePlanning #ArizonaRealEstate #SmartMoves #TaxTalk #HomebuyingJourney #TeamEvoAZ Text ConnectWithKatie to 480-508-9828 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 thieves work extra hard to trick us into giving over our personal information. But there are ways for us to implement effective tactics to safeguard our identities and stop thieves in their tracks. In this tip, we're sharing five ways to take steps you can take to make it harder for identity thieves to steal your information.  Links: Explore the identity protecting benefits of a Better Checking account IRS Taxpayer Guide to Identity Theft 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.   Identity theft continues to be more than just a costly headache. Fraud scams and identity theft reports continued to top the list of scams reported to the FTC in 2024. In fact, nearly 6.5 million incidents were reported to the FTC last year, and over 1 million of those incidents included an instance of identity theft. These numbers prove that while scams and identity theft continue to evolve, so do the tactics that criminals use to commit these crimes. In this tip we'll share some lesser-known steps you can take to help avoid becoming the next victim of identity theft and fraud.  Use fake answers for your security questions One simple way to add a layer of protection to your accounts is to choose wrong or nonsense answers to security questions. If at age 16, you drove a green SUV, the security answer to “What was your first car?” might be “big avocado” rather than “green Ford Explorer.” The idea is to choose an answer that only has meaning to you and cannot be easily guessed. Real answers to your security questions may have been published in the past if you have ever participated in social media quizzes, polls, and challenges. Avoid using your real information, especially information typically found in security questions, like your mother's maiden name or the name of the street you grew up on, in any situation, no matter how seemingly harmless it may seem. A moment of fun could lead to many lost hours spent repairing damage to your identity.  Opt in for multi-factor authentication When available, enable multi-factor authentication ("MFA") to your online accounts. MFA is a type of authentication that adds two or more layers of security beyond a password. If only two factors are used, it is sometimes referred to as two-factor authentication or 2FA. While passwords should always be difficult to guess, and you can work to protect the answers to your security questions, adding another step to the login process decreases the chance that a hacker can gain access to your accounts. MFA typically works by sending a verification code by SMS text, by email, or by voice to a phone number listed on your profile. You must enter the provided code before being allowed to complete the login process. MFA should always be added when available. To know whether your account provider offers MFA, you may need to investigate your online options or give the company a call to ask, as it is not always offered proactively.  File your taxes early As this IRS Taxpayer Guide to Identity Theft website states, "tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security number, to file a tax return claiming a fraudulent refund." One simple way to avoid scammers getting a hold of your tax refund is to file before they do! Surprisingly, this type of fraud affects an estimated hundreds of thousands of Americans every year. Often, the scam isn't uncovered until an individual tries to file their own return and their refund is rejected because it has already been claimed. When tax season comes around, get everything in order ` and file early. This way you can both mark the chore off your list and avoid leaving your refund out there for someone else to claim.  Be smart and stay private on social media Two ways people put themselves at risk on social media are by disclosing their location and engaging with strangers. It's incredibly rare to truly need to share your location with a large group of friends and followers, yet location sharing is often an app's default setting. Some social media platforms keep location sharing on all of the time in the background, so you can always see another user's location. This allows ill-meaning individuals to access your home and work address, your travel routines, when you might be out of town, and your favorite vacation destination. Mobile location settings are often lifesavers when navigating in a new city or avoiding traffic jams, but allowing the social media universe to know where you are at all times is never necessary and can be detrimental to the security of both your identity and your possessions. While most people know to limit the information they share with those they meet online, there are still thousands of cases each year of people losing their money or identity information to a romantic interest or a new friend who wasn't who they claimed to be. Remember to keep your personal information private if you make connections online.  Routinely check your "in-app" privacy settings Occasionally, posts, articles, or notifications will remind us to review our privacy information, and for a time after doing a reassessment, our settings will remain locked down. However, sharing a public post from a business (to qualify for a prize, for instance) can reset your privacy preferences for future posts. Creating an intentionally public post, like when you have an item to sell or need to find a missing pet, can also change privacy settings on a future update that you intend to be more personal. On a regular basis, check your privacy settings in the apps where you are active, and take an extra second to check each social post before publishing to ensure that it is reaching only who you intend. Consider culling your friends list to those in your inner circle, or set most of your updates to only reach a select number of friends and family. Games and shopping apps are often checking your background in the same way to show you more relevant and personal ads. Locking down what you are sharing will help you protect your information while also using the internet to stay connected with friends and family in the way that you intend.  Add an annual task to your calendar to check in on these security measures and get started now. Also verify that your account passwords aren't reused or easy to guess (especially on banking, mortgage, and investment accounts).  And remember, if you suspect that your identity has been compromised, you have access to an Identity Theft Recovery Advocate as a benefit of your Triangle Better Checking account. These professionals are trained and ready to help you reverse the damage and get back on track quickly. They're experienced advocates who know how to spot identity theft and, when necessary, will support you through the process of repairing any damages.  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! 

There's nothing worse than flying overnight and landing in the early morning, only to have to wait until 4pm to check in to your hotel. Meggan has a solution - consider booking an extra night so your hotel is ready upon arrival - of course, let them know first!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, 2-4 Min Real Estate TipsThere's a big update to state and local tax deductions that could mean more savings for homeowners this year. If you want to make the most of new tax opportunities, this one's for you! We're breaking down what's changed and how it could benefit Arizona buyers and homeowners—no complicated details, just what matters most. Curious how this impacts your situation? Drop your questions below or send us a DM!#HomeownerTips #TaxSavings #ArizonaRealEstate #MoneyMatters #HomebuyingJourney #SALTdeductions #TeamEvoAZ Text ConnectWithKatie to 480-508-9828 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.

Vehicles can get expensive. The average American spends approximately $12,000 on vehicle costs annually, according to the U.S. Bureau of Labor Statistics (2023). Are there ways to cut those costs and save a little money on expenses?    Links: Research tools like Gas Buddy as an option to save money on gas purchases* Check out Triangle's competitive auto refinance rates 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.   This money tip outlines a few things you can do to reduce your vehicle expenses.    With everything from gas to repairs to purchase and resale, owning a car can be expensive. Of course, the purchase price is worth noting, as well as your financing costs or interest. But what about maintenance and fuel efficiency?   If you are searching for a vehicle, this provides insight into what to consider when making a purchase. If you already own a car, you may find some of these tips helpful in saving money over time.   Tip 1: Be savvy, buy used. This can save you money right off the bat. You don't need to get an old vehicle; something 2-3 years old is fine. But compared to buying a new car, you could save yourself thousands off the price tag. A new vehicle can average around $47,000 according to Kelley Blue Book. However, due to depreciation, the same car can cost about half its original price in only a few years. The average price for a used car is around $26,000. If you buy a vehicle that's a few years old, you can save yourself a good chunk of change right off the bat and still get a good, reliable car.  Tip 2: Get regular servicing. Tire rotation, regular oil changes, and even car washes can all help extend the life of your vehicle. Although these are all considered expenses, regular maintenance can save you quite a bit of money in the future because you're less likely to incur repair costs and it helps maintain the value of your car. It also extends the life of your vehicle, keeping you from having to buy another car every 7 years. Pay attention to your vehicle, budget for regular maintenance costs, and you'll pay less overall.   Tip 3: Take control, perform repairs or maintenance yourself. If you're mechanically inclined, you may be able to do some of the work yourself. Some car servicing or repairs are easy enough to do yourself. You may not need to pay someone for servicing when you are just as likely to perform the job yourself. YouTube is an excellent resource for watching repair or service vehicles. You'll most likely be able to find a tutorial for your car and watch someone perform the repair. Just make sure you know what you're doing so you don't make a mistake that requires a professional to fix.  Tip 4: Find ways to reduce your gas expenses. You can achieve this by purchasing a fuel-efficient vehicle, such as an electric car or a hybrid. If you are not looking to buy another vehicle, consider reducing the number of miles you travel. Consider staying home a little longer if you're usually on the go. You can also use an app like GasBuddy to search for the nearest gas stations and their prices, avoiding the need to drive across town to your favorite, low-cost station.  Tip 5: Refinance your car payment. This is always a good option if you find your car payments are just too high. Shop around for low rates and try refinancing your car loan. This can save you a significant amount of money in expenses and reduce your monthly car payment. Triangle offers refinancing at competitive rates. Visit trianglecu.org to check the current rates and apply to refinance your vehicle.   What did I miss? What are some other ways you save money on your car expenses?   Let us know on social media. Share your tips and tricks. There may be someone else out there who could use the extra tips. Together, we can all save a little more.   Vehicles can get expensive. The average American spends approximately $12,000 on vehicle costs annually, according to the U.S. Bureau of Labor Statistics (2023). Are there ways to cut those costs and save a little money on expenses?     Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!   *The mention or use of the GasBuddy app in our materials is provided solely for informational purposes and does not constitute an endorsement or recommendation by Triangle Credit Union. We do not receive compensation or benefits from GasBuddy, and we are not affiliated with its developers or operators. Users are encouraged to independently evaluate the app and its features to determine its suitability for their needs. All trademarks and brand names are the property of their respective owners.  

This one starts with a dodgy lane choice, a Starbucks coffee, and a misjudged underpass. As always. I'm back in the Land Rover — which might be its final podcast outing before it finds a new home — and today's episode is a rambling, reflective road trip through customer service, creative resilience, and the rapidly growing presence of AI in our industry. The day started badly. Cold shower (thanks British Gas), broken editing software, and a head full of terabytes. But it ended with a reminder of why kindness, craftsmanship, and conversation still matter. A haircut from someone I've known for 18 years. A deep chat with the owner of Michel Engineering while he lovingly took apart my ancient-but-beautiful record deck — the very same design featured in A Clockwork Orange and owned by Steve Jobs, no less. And then... a disappointing interaction with a distracted barista and a headset-wearing drive-thru operator. Same building, worlds apart. Customer service, it turns out, is alive and well — just not always where you'd expect it. But the main theme of this episode is AI. Not the doom-and-gloom kind, but the real stuff: the tools I'm already using, how they're reshaping our workflows, and how they might be reshaping entire economies. It's not AI that's coming for your job — it's the photographer who learns to harness it. We talk about: AI tools I already use (like EVOTO, Imagine AI, ChatGPT, and XCi) Using AI as a teaching assistant, sub-editor, and productivity coach The real-world implications of AI-generated ads, coding layoffs, and what it means for creatives Plans for a new AI section on masteringportraitphotography.com And if you hang in there until the end, I'll tell you about a girl named Dory, a gutsy 12-year-old contortionist, and the new edition of Mastering Portrait Photography — complete with fresh images, a decade of stories, and a very special launch offer. So pop on your headphones, admire the wheat fields if you've got them, and come along for the ride. Spoiler: there's C3PO's eye in here too. Yes, really.  

Tip Tuesday, 2-4 Min Real Estate TipsGreat news for homebuyers! If your income is under $500k, you can now deduct your mortgage insurance (PMI) on your taxes again. This means extra savings in your pocket! Want to know how much you could save or if you qualify? Let's chat! Want to know what PMI really is (and why it's not the same as homeowners insurance)? Watch our previous episode here for a quick breakdown!  Watch now #HomebuyerTips #TaxSavings #ArizonaRealEstate #FirstTimeHomebuyer #MoneyMatters #TeamEvoAZ  Text ConnectWithKatie to 480-508-9828 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 an era where technology is intertwined with our daily lives, fraudsters are continually devising new strategies to steal sensitive information from unsuspecting individuals. Among their most insidious tactics is phishing—a deceptive practice designed to manipulate you into divulging your personal information without your awareness.  Learn more about KnowBe4 Awareness 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, brought to you by the Making Money Personal podcast!   Today, we're sharing crucial insights inspired by an article from KnowBe4 Security Awareness and Training Solutions.  Security Tips: How to Detect Phishing Emails  As phishing activities increasingly proliferate, remaining vigilant is of paramount importance. Here are some key indicators to scrutinize before you take any action on an email:  Is it Expected? - Take a moment to consider whether you were anticipating this email. If it appeared unexpectedly, exercise caution as it may not be legitimate.  Is it Reasonable? - Context matters. Ask yourself whether it makes sense for you to receive this type of correspondence. If the content feels out of place or irrelevant, it's wise to be skeptical. Are There Grammatical Errors? - Pay close attention to the language used in the email. Messages that claim to be from established companies often contain spelling mistakes or poor grammar—this is frequently a clear warning sign of a phishing attempt. Does It Contain a Link? - Always hover your mouse over links without clicking to verify their authenticity. For example, if an email claims to be from emailaddress@google.com but the link leads to a suspicious domain like website.yahoo.com, you're facing a significant red flag. Does It Have an Attachment? - Be cautious about opening attachments, as they might harbor malicious programs disguised as harmless files. It's best to avoid clicking on attachments from unfamiliar sources. Does It Create a Sense of Urgency? - A common tactic among phishing emails is to instill a sense of panic, prompting you to act quickly. They may claim to be from a high-ranking official or require immediate attention. Resist the urge to respond hastily—take a moment to assess and critically evaluate the situation to protect yourself from potential phishing attempts.  Stay vigilant and take proactive steps to safeguard your personal information!  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. 

Jenn recently stayed in two Sonder properties: Sonder Arlo in Ottawa and Sonder Lambert in Montreal! She shares her experiences with both properties, including the location, amenities, and her interactions with the staff!Episode Resources:Sonder Arlo in OttawaSonder Lambert in MontrealSupport 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, 2-4 Min Real Estate TipsThis is episode one of our four-part series breaking down the newly passed Big Beautiful Bill and what it means for homeowners. Today, we're sharing what you need to know about the Permanent Mortgage Interest Deduction and how this major update could benefit you. Stay tuned to learn more about how these changes can impact your bottom line!​#BigBeautifulBill #MortgageInterestDeduction #HomeownerBenefits #ArizonaRealEstate #TipTuesday

Have you ever heard people talking about net worth and wondered what it means? Well, today, you are going to learn!    Links: Watch our Financial Freedom Webinar to learn how to strategize and build a debt payoff plan Learn how to set savings goals with Goal Builder  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.  Net worth! What is it? Why is it important to track? How do you find out what your financial net worth is? All valid questions, my friends. First, let's define what net worth is.   The dictionary defines net worth as "the total wealth of an individual, company, or household, taking account of all financial assets and liabilities."    Most people will agree that the definition of net worth is simply: assets - liabilities = net worth.     Now that we know what it is, why is it essential to track it?    Well, it allows you to see your financial situation at any point and whether your wealth is increasing or decreasing. Tracking your net worth is important because it gives you a clear picture of your financial health and can help you make informed decisions about your money. Please know that it is very possible to have a negative net worth. This means that you owe more money than what your assets are worth. We'll talk a little more about this later.     Now, let's take a look at how you can figure yours out. Are you ready? Ok... take out a piece of paper and a pen or pencil. Draw a line straight down the middle.     On one side, you are going to write the word assets, and on the other, write the word liabilities.     On the assets side, make a list of valuable items that you own… think bank accounts, investment accounts like 401(k)s, any real estate property that you may own, personal property such as cars, or other items that have value. Next to these items, write down their approximate value. Here is an example of what this may look like (we'll use easy round numbers for simple math):     Bank Accounts - $5,000     Personal Home - $300,000    401(K) - $50,000    Car - $20,000    At the bottom, you will write the total for all assets. In this example, we will have a total of $375,000. Nice!    On the liabilities side of your sheet, make a list of your liabilities. Liabilities are the debts that you may owe. Next to them, write the balance so again, for easy math, in this example, we will do    Mortgage -  $210,000    Credit Card Debt - $5,000    Auto Loan - $10,000    Student Loans - $50,000      And that Home Equity Line of Credit you took out to fix up your house - $40,000    At the bottom, you will write the total for all liabilities. In this example, we have $315,000. Ouch!    Now, we have the numbers we need to calculate net worth. Remember, net worth equals assets minus liabilities.     In my example, the assets total $375,000, while the liabilities amount to $315,000, resulting in a total net worth of $60,000. Not too shabby.     Let's say you calculated yours, and you didn't like what you got. You got a negative number. This means that your debts exceed the value of your assets. Let's flip my example and say you have a negative $60,000.     Do not get discouraged. Many families and individuals are right there with you. According to MarketWatch, one in five Americans has a zero or negative net worth. You're not alone in this journey. Instead of dwelling on it, get motivated to get that number into the positive. You got this!    Here are a couple quick tips on how to improve your net worth:  Work to pay down existing debts. Focus on developing a method to really pay down debt. Read a book, attend a seminar, or watch one of our debt reduction webinar recordings on YouTube to learn all about the process of taking control of and tackling debt. Check the link in the show notes to watch.   Avoid taking on any new debt. Put those credit cards away and try paying cash or use a debit card more. Even if only for a short time, this method can effectively help you avoid adding onto that growing debt pile and keeps you more conscious of spending habits.  Adjust your budget to emphasize saving. Every saving opportunity can boost your net worth. Explore opportunities to increase savings like boosting retirement contributions, and opening a new account for emergencies or other long-term goals.  For Triangle members listening to this episode, we actually have a lot of cool tools available within our online and mobile banking platform to help you track net worth, pay down debt and set savings goals.   Check out Money Management within online and mobile banking to track your net worth as it grows, set budgets and even debt payoff goals.   We also have a tool called Goal Builder that helps you set up and track savings goals within your Triangle savings accounts. This is great if you're looking for an easy way to save more for emergencies, a new car, a house downpayment or any other long or short term goal.   Alright, that's going to do it! I hope you learned something new today, and we've given you the motivation to look into your net worth and grow your wealth! Remember, it's never too late to start building your 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, 2-4 Min Real Estate TipsScammers are getting creative—and homeowners are at risk. This week, Katie with Team EvoAZ at eXp Realty and Ryan Gilliam with Your Best Mortgage spotlight the top title and equity scams you need to know.​Want to stay safe? Grab our quick checklist to help protect your property and your peace of mind.​

Almost every adult has a checking account. Many of us may have more than one. Checking accounts are more than just a place to save and spend money, many come with additional benefits like saving perks, cash back promos and even protective services for you and your family.  Links:  Learn more about Triangle's Better Checking account with ID Protect Already have Better Checking? Access your benefits through the Better Checking website.  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.   Choosing the right financial institution is a significant decision, and we're thrilled that you've selected Triangle Credit Union as your trusted financial partner. Your trust in our institution is something we hold dear, and we are committed to providing you with a banking experience that goes the extra mile. At Triangle, we have a checking account that is right for everyone, at every stage of their financial lifetime. Now is an excellent time to review your financial goals, accounts, and the benefits available to you. Here are a few reasons why you should consider either a Basic or Better Checking account at Triangle Credit Union for you and your family:  1. Worry-free Banking Benefits – Our checking accounts include the convenience of our network of surcharge-free ATMs, neighborhood locations, flexible branch hours, and peace of mind knowing that your deposits are covered up to $250,000 by the NCUA. 2. Team of Professionals, here for you – Our friendly, knowledgeable customer service representatives are eager to help you meet your goals. 3. More Savings and Benefits by Using Your Account Wisely – Let us show you how to use your account to its maximum advantage, such as getting cash back with Purchase Rewards and setting up direct deposit to get paid up to two days early. 4. Tons of Account Freebies – Mobile and online banking, remote deposit, and a free debit card are just a few of the things you receive as part of every Triangle Basic or Better Checking account.  5. Additional Features with Better Checking - with a Better Checking account, you are entitled to additional features, for a nominal fee of $4.99 a month, that on their own could easily cost you more than $50 per month. Identity Theft Monitoring Services – rest easy knowing that you have access to free monitoring services that can alert you if changes to your credit file are detected, or if your personal information is discovered on the dark web.  Identity Theft Expense Reimbursement Insurance – up to $25,000 in reimbursable expenses if you find that you are a victim of identity theft.  Professional Identity Theft Remediation Services – an experienced team of professional, certified identity theft recovery advocates will help you to reverse the damage if you suspect identity theft for any reason.  Mobile Phone Protection – know that you can stay connected when the worst happens, and your mobile phone is damaged, or stolen.     If you are already a Better Checking account holder, you're ahead of the game and set up with great savings.  Looking for ways that you can save even more? We're only a click, tap, or phone call away. Reach out today–we are here to provide you with personalized guidance and can help you find the financial products and services that meet your needs.  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! 

Meggan shares some common travel scams she came across while planning her next trip. Unfortunately, we all need to be aware of our surroundings in order to stay safe while travelingSupport 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

Have you ever wanted to buy something, not because you need or want it, but because it makes you feel good? It may come about when you feel like celebrating a special event or a promotion, so you decide to splurge a little bit on something special. Or if you had a bad day and you need a little emotional boost, so you finally allow yourself that thing you've always wanted but have resisted buying in the past. That's what emotional spending, also known as retail therapy, is. The harsh reality is that it occurs often for many people and can cause financial challenges if not kept in check. Links: For help finding a therapist visit Psychology Today to start a search 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.     Retail therapy is a way people cope with feelings, good or bad by purchasing items to either maintain a happy mood or to change a bad mood into a good one. The problem with relying on spending to improve your mood is that it can be too easy to overspend on things you weren't planning to buy in the first place. Unless you had a line item in your budget for impulse purchases, your retail therapy items weren't budgeted for at the beginning of the month. Depending on the items you're purchasing, this could send your budget into a tailspin and add to an already increasing level of stress, possibly even leading to debt.  Emotional spending is something we all experience from time to time. But what happens when it becomes a problem? When we find we now have a larger credit card bill than originally planned for? Or when we have less money to cover certain bills because we decided to treat ourselves to a new vehicle, expensive clothing or the latest technology? How do we solve that issue?  Well, the real fix to the spending damage depends on the type of spending you got yourself into, but there are ways to curb your emotional spending habit and keep yourself from making those unplanned purchases in the first place.  Here are some tips on how you can avoid falling into emotional spending. Our first tip is to try the 24-hour or 30-day rule. The idea behind this rule is to wait a certain amount of time before making a purchase. If there is something you have your eye on, don't impulse it. Make a conscious effort to wait a little time before buying it. For some items, 24 hours is enough; for others, 30 days may be necessary. This tactic will help you keep your emotions out of your purchasing decision and help you avoid buyer's remorse. If you find that after the waiting time is up, you still want the item, then by all means, purchase it.   Our second tip is to hide your credit cards. Don't hide them in a place where you'll lose them, but at least put them in a place where they may not be as accessible. Keeping them at a distance may decrease convenience and make it more difficult for you to emotionally spend. Third, give yourself a budget item for spontaneous purchases. Allowing yourself some extra money a month is a great way to enjoy the freedom to treat yourself. Set aside an amount of money for those times you want to go out and buy yourself something nice. It keeps your budget in shape and keeps you in control of your spending. And finally and most importantly, talk to someone about how you're feeling. If you find that you're repeatedly going shopping or buying items to cope with emotional or mental stresses, you may be struggling with something deeper. Find a trusted friend or family member and look for a therapist who can help you sort out your feelings and provide a good sounding board or fresh perspective on how you're feeling. A deep conversation is satisfactory for your mental health, and your wallet will thank you. It is important to note that retail therapy might make us feel better but it does not solve our problems and should only be used in moderation. Emotional spending is something most of us will face throughout our lifetimes, but it's essential to ensure that our emotions do not drive our purchasing decisions. It can be too easy to lose track of our expenses, and our budgets will quickly crumble.  If you want to be the master of your money, learn to recognize the signs of emotional spending and use any of our tips to overcome the temptation to spend spontaneously. 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.

Keeping your credit score in good standing is a great way to dramatically reduce the amount of interest you pay on a mortgage and other loans. But.. how? How do we get our credit score up to a number we can be proud of? Well, today, you're going to find out.   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.   Do you ever look at someone who has done something remarkable? Something that may take you forever to complete? Guess what? They didn't do that amazing thing overnight. It may have taken them months or, more likely, years before you saw the result. Overnight success is not something that happens often.   Building a solid credit score and profile is a long-term investment in your financial future, much like the remarkable achievements you admire in others.     It will take time, effort, and, most importantly, responsibility to get a credit score that will get you the lowest interest rates and terms on loans should you ever need them. Responsibility is the key to unlocking the potential of your credit score and securing a better financial future.     In this tip, I am going to share with you five ways to help improve your credit score:     Never miss a due date.     Paying your bills on time is the golden rule for maintaining a good credit score. Your payment history will show whether or not you have paid your bills on time, and this is a significant factor that plays into your credit score. Missing a due date can lead to late fees, increased interest rates, and a negative impact on your credit score. Enroll in auto-pay to ensure your payments are automatically deducted from your checking account, guaranteeing they will not be late.  When doing this, just remember to ensure there are sufficient funds in your checking account so you don't get charged overdraft fees.   Keep Your Balances Low.     If you have a credit card or another form of a Line of Credit, be sure to use only a portion of the available credit that has been extended to you. A general rule of thumb is to use no more than 30% of your credit line. So, for example, if you have a credit card with a $1,000 line of credit, a good rule is not to use more than $300.00 of that limit. This is referred to as your credit utilization, and it is another factor that influences your credit score.    If you need to stop, stop, but don't close.     The older we get, the more mature and trustworthy we should become throughout our lives. The same goes for credit. If you have four credit cards and the first one you have is 4 years old, and the rest are 1 or 2 years old, Let's say you close the first one you got because there are no benefits associated with using it; you will reduce the avg age of your credit profile. The longer the average age, the better because it shows you have experience managing debt, and it gives lenders a more extended history to examine when considering a loan for you.    Don't Apply for Everything Thrown Your Way    As you develop credit, you will be thrown offers left and right from lenders saying you are pre-approved or pre-qualify for their products. When you apply, your credit score will be affected, and the inquiry will remain on your credit report for 12-24 months. So, only apply for lines of credit or loans that you truly need and can use responsibly. Try to space out the times you apply by at least one year. But it's even better if you wait longer.     Be Well Rounded    To be particularly attractive to lenders, it is beneficial to have experience with various types of credit. For instance, having a mix of credit cards, student loans, and a mortgage can demonstrate your ability to manage different types of debt responsibly. It's okay to have a variety of debts, and can actually help boost your score a bit.   And there you have it.. 5 ways to improve your credit score.   To recap, the five ways are:     Never Miss a Due Date   Keep Your Balances Low   Don't Close Your Credit Cards   Don't apply for everything thrown your way   Be Well Rounded.     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. 

Jenn shares her experience booking open-jaw flight itineraries, and some tips about why and when you might book an open-jaw flight.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

What does being wealthy truly look like? We imagine having big fancy houses, exotic vacations, and high status jobs. But what if I told you that most millionaires, even decamillionaires today, might not look quite like the famous person on your tv or phone screen, but more like your average Joe, living in a house down the street? That scenario is more than norm than you may realize, and that's good news for everyone.   Links: The Millionaire Next Door by Thomas J. Stanley and William D. Danko Learn more about this Money Tip's sponsor: New England Royal Service 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.   Today's Money Tip is proudly sponsored by New England Royal Service. A local NH business offering commercial cleaning and property maintenance trusted for its exceptional service. Visit neroyal.com to learn more and show us a little love by mentioning this podcast when you reach out!  Now back to today's tip.  Reading books is a powerful way to shift your mindset about money and finance, along with gaining practical techniques to achieve your desired financial life. One notable book is The Millionaire Next Door by Thomas J. Stanley and William D. Danko. First published in 1996, the book delves into the habits of the wealthy, challenging many common misconceptions about wealth.  The authors break down key concepts that question the stereotypical views of wealthy individuals. For instance, wealth isn't always visible, and attaining it isn't solely dependent on income or profession; anyone can adopt wealth-building practices. This idea is fundamental, as many believe wealth is an exclusive domain, locked away by a hidden secret known only to a select few. However, the book demonstrates that with intentionality, focus, and cultivated habits, anyone can build wealth.  Stanley and Danko conducted thorough research across various demographics to uncover what distinguishes wealthy individuals from those who are not. The findings are often surprising. The common belief that a high salary guarantees wealth is swiftly debunked; while income does play a role, how individuals manage their finances holds greater significance.   Another revelation from the book is that appearances can be misleading. A person flaunting a large house, designer clothes, or a luxury car may not be financially secure. The pressure to project an image of wealth often incurs hidden costs. The authors shared, "many people tell us that you can judge a book by its cover, meaning that high-grade doctors, lawyers, accountants, and so on are expected to live in expensive homes. They also are expected to dress and drive in a style congruent with their ability to perform their professional duties."   Interestingly, surveys discussed in the book indicated that many millionaires do not prioritize purchasing luxury items. They tend to be frugal, preferring utility over showmanship when it comes to their spending habits. For instance, their survey results showed that the average American millionaire never spent more than $399 on a suit, with a quarter spending $285 or less. Additionally, about half never spent more than $140 on shoes, and many did not exceed $235 on a wristwatch. Remember that the surveys were conducted in the 90s, so the actual dollar amounts may have shifted a little bit since then.   The authors highlight a critical distinction between high wealth accumulation and the ostentatious display of wealth. They state, "...some people judge others by their choice in foods, beverages, suits, watches, motor vehicles, and such. To them, superior people have excellent tastes in consumer goods. But it is easier to purchase products that denote superiority than to be superior in economic achievement."   Such insights highlight the significant role of frugality in wealth accumulation, which is often overlooked. The authors state, "Being frugal is the cornerstone of wealth-building. Yet far too often, the big spenders are promoted and sensationalized by the popular press. We are constantly barraged with media hype about so-called millionaire athletes, for example."  The book encourages readers to realize they have more control over their financial destinies than they might think. Adopting millionaire habits can be achievable for anyone. For example, individuals can adjust their consumption patterns to reduce spending and enhance savings. Moreover, selecting a career with a clearer understanding of associated costs and responsibilities—be it pursuing a doctorate or starting a business—can maximize financial outcomes.  Encouraging a 'pay yourself first' mentality in personal and family finances is another valuable takeaway. This mindset helps prioritize saving over unnecessary spending, providing a sense of security and control over one's financial future.  If you're considering reading the book, there are a few points to keep in mind. The wealth of data and statistics presented may come across as dry if you're not inclined toward research-driven narratives. Furthermore, since the book was initially written in 1996, some of the information may now seem outdated. My copy was republished in 2010, but monetary values and occupational statistics have undoubtedly evolved since then. A dollar in 1996, for instance, had greater purchasing power than it does today, which can affect how some financial principles are perceived.  Overall, The Millionaire Next Door offers valuable insights into the habits and mindsets that contribute to wealth accumulation. By debunking common myths and encouraging practical financial habits, it provides a more accessible view of how anyone can work toward financial success, equipping readers with actionable steps to improve their economic situation.  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 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. 

Craving freedom, flexibility, and a front-row seat to nature's wonders? Whether you're chasing sunsets or seeking spontaneous detours, RV vacationing can save you hundreds on lodging and dining costs. Discover five compelling reasons why vacationing in an RV might just be the ultimate way to explore the open road.  Links: View Bankrate's Summer Vacation Survey Check out Triangle's competitive RV Rates and low-rate auto loans Learn more about this Money Tip's sponsor: New England Royal Service 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.  Today's Money Tip is proudly sponsored by New England Royal Service. A local NH business offering commercial cleaning and property maintenance trusted for its exceptional service. Visit neroyal.com to learn more and show us a little love by mentioning this podcast when you reach out!  Now back to today's tip.   Summer is right around the corner which means you are probably planning your summer vacations with loved ones. Ditch the family vacation to the amusement parks this year and take the family on a road trip in a recreational vehicle or camper!     Here are 5 reasons to vacation in an RV:  1. Cost-effective travel. According to Bankrate's Summer Vacation Survey, 47% of Americans chose not to go on a summer vacation in 2024—65% citing affordability as the reason.  One of the biggest vacation costs is transportation, which includes airfare, car rental, parking fees, gas, etc. Now factor in the cost of a hotel room and food on your vacation, and the costs really add up.    When you vacation in an RV, your transportation and place to sleep are rolled into one which helps cut down on costs. Plus, RVs have small kitchen areas included to stock up on food staples before you begin your trip. Instead of eating out for every meal, you can cook some meals in your RV and lower your total vacation costs.     2. Flexibility. Gone are the days of booking a vacation based on the cheapest flights or hotels. RVs give you increased flexibility because when you are traveling and staying in your own mode of transportation, you are not locked down to specific dates and times for vacation.   There's also flexibility if something occurs and you need to delay your vacation by a week. You don't need to worry about changing flights or booking new accommodations because you are traveling in your own mode of transportation.   3. Bring Your Pets. Another pro of vacationing in an RV is being able to bring your pets along. Instead of asking your friends or family to take care of them, or even paying to have someone look after them, you can take them along as travel companions.   Not only is this a good choice for your finances, but it also provides peace of mind so you can spend your vacation relaxing instead of worrying about how your pets are doing without you.   4. Privacy and Comfort. Why would you want to squeeze into the middle seat of an airplane when an alternative is being able to stretch out in the sleeping area, sit in the dining area enjoying a meal or even using the private bathroom while traveling to your destination.     When it comes to sleeping, you have the security of having your own space which can help you feel safer than an AirBnB when in an unfamiliar place. Plus, you can tow your own car behind your RV; that way if you want to explore each destination a little deeper, you can do so in your own car and can avoid a rental car.   5. Bring Home with You Wherever You Go. Another benefit of vacationing in an RV is bringing and using what is most familiar to you. We've all had a terrible night stay at a hotel while on vacation because the pillow just wasn't right or the blanket was too rough. When you vacation in an RV, you can bring your own pillows and blankets (among other things) with you for those comforts of home.      RVs provide more storage space as well which means you aren't confined to just what you can pack in a suitcase. In addition to more clothes, shoes, and bedding, RVs offer the opportunity to bring other things you can use on your vacation.    Maybe you have bicycles or kayaks that you want to use when exploring your new destination; if so, you can bring these along with you when you have the space in an RV!  If you're ready to take the plunge and finance an RV or camper, check out Triangle Credit Union's competitive rates. We also offer low auto rates on new purchases and vehicle refinancing!  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 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. 

Buy Now Pay Later is a short-term loan that allows consumers to pay for their items in small installments over time. However, due to the popularity of Buy Now Pay Later, there has been an increase in what many have started to label “phantom debt”.  Links: Learn more about this Money Tip's sponsor: New England Royal Service Explore debt consolidation loan options from Triangle Credit Union Watch our Financial Freedom webinar for tips on how to manage and get out of debt 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.      Today's Money Tip is proudly sponsored by New England Royal Service. A local NH business offering commercial cleaning and property maintenance trusted for its exceptional service. Visit neroyal.com to learn more and show us a little love by mentioning this podcast when you reach out!  Now back to today's tip.   The term phantom debt can mean multiple things. Traditionally, phantom debt is a debt that is too old to collect legally, so it's either written off or sold to a collection agency. Phantom debt may also refer to when scammers try to collect money that is not owed to them by threatening legal action. However more recently, phantom debt has come to mean a debt that can't be measured since it's not reported.  According to many reports, Buy Now Pay Later is a large producer of these unmeasured phantom debts. Because of its convenience, consumers are finding it easier to use Buy Now Pay Later services to pay for larger items in smaller installments than paying for it all upfront. However, that means people are using Buy Now Pay Later to buy more big-ticket items than they can actually afford. This results in loan stacking, which is borrowing multiple loans at the same time. With more and more of these Buy Now Pay Later loans, it can be difficult for consumers to keep track of them. If you don't pay these loans on time, you will get hit with late fees and your credit score will lower.  If you're struggling with Buy Now Pay Later debt, aka “Phantom Debt”, there are a couple things that you can do. The first thing you can do is request a payment extension. Some Buy Now Pay Later lenders will let you either change or extend the payment due date which can provide some much-needed extra time pay off the debt. You could also apply for a debt consolidation personal loan, which would combine some or all of your debts into one single loan. This not only makes it easier to keep track of existing debt but it can even help improve your credit score as you make those regular, consistent payments to pay it all off on time.  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 Triangle Credit Union, on Facebook and LinkedIn.       

Struggling with debt can feel overwhelming, but with the right strategies, it's possible to regain control and build a more secure financial future. Fortunately, there are practical and proven methods to reduce and manage debt effectively, no matter your financial situation.    Links: Check out NerdWallet's Top Budget Apps for 2025 Learn more about Triangle's personal loan options for debt consolidation Financial webinars for Budgeting and Paying Off Debt 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.    Debt is a tool, and it can be very useful when used properly. Borrowing money can help us buy our first car, get into our first home, or even pursue that degree for our dream job. But like any tool, it's possible to get into trouble if we don't understand how to use it.    Taking action when debt becomes burdensome is essential. Recognizing the various signs can detect unmanaged debt, and this awareness can bring a sense of reassurance.    Unmanageable debt can reveal itself in some or all of the following ways: There's no ability to save money because it's all going to payments, you have a heightened sense of worry, stress, or anxiety over financials, and your debts aren't being paid on time and are heading towards or currently in collections.   Based on these factors, reducing debt to a manageable level is a net positive for your life. It's not just about the numbers; it's about the hope and freedom it can bring. Reducing debt not only improves financial health but may also improve mental health.    Pursuing and achieving financial freedom usually starts with some form of reducing debt and proper management is essential to get there. Once managed, you can push that throttle forward and speed rapidly toward finally getting it under control.   Here are three top strategies to reduce and manage debt effectively:    Simplify your payments by organizing and consolidating. Budgeting is a key part of this process. We often stress the importance of budgeting because it's the foundation of successful debt management. It's hard to plan without a budget, and your debt payoff effort won't be as effective. Educate yourself on successful budgeting tactics and find the one that works best. Whether it's pen and paper or a digital app, it is essential to keep your budget organized. You can also explore some of the top budgeting apps. For example, Nerdwallet published a list of the top budgeting apps for 2025, so check out the link in the show notes.  Explore consolidation loans or other debt assistance programs. If debts are tough for you to manage, a debt consolidation might take that pressure off and give you the necessary breathing room. It enables you to group some or all your various debt bills into one consolidated payment that's easier to manage. For help, contact staff at your local bank or credit union. They could help illuminate the right options for your situation and cover the various details involving a debt consolidation.   Find a way to lower your bills. Cut back on spending if possible. Avoid unnecessary purchases and cancel unused subscriptions.  You can also explore ways to refinance your debts, whether auto, personal, credit cards or student loans to a lower interest rate. By shopping around for lower rates, you may be able to decrease your monthly payment, freeing up more cash to put towards your existing debt. This can also be a significant saving over the life of the loan, making it a worthwhile strategy to consider.  And you can lower bills by negotiating with providers and businesses for better rates or payments.  Cell phone providers, car insurance companies, cable and internet providers, and even gym memberships will likely try to work with you on a better deal. If not, shop around and see if you can find that better deal elsewhere.   The third way to start managing debt better is to find ways to increase income. If you're currently working, consider asking for a raise, or even working overtime to bring in a little more each paycheck.  Explore a new job for opportunities that might land you a better salary or consider picking a second job to work a few extra hours each week. Even working an extra 10 hours per week could provide the right amount of buffer in your budget to chip away at that big debt pile.   If you need something more flexible to bring in more money consider gig work or freelance work on the side to bring in extra cash. You could try delivery or Uber driving, pet sitting, or dog walking, which are all popular ways to easily try out gig work. Also, don't forget about other opportunities like tutoring, graphic design, photography, or babysitting. If you decide to try this, remember to set aside a portion of your earnings for taxes.   If you need help getting started on your debt payoff plan, we offer webinars to watch on YouTube that cover a variety of budgeting tools and strategies as well as putting together a debt payoff plan tailored for your situation. Watch on demand using the links posted in the show notes.  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!   

Figuring out where to live is a significant and costly decision everyone has to make at some point. If you want to purchase a property to make your home, condominiums, and houses are what you want to look at. Each has pros and cons, and depending on your lifestyle, you may lean towards one over the other. Keep listening to learn which option is right for you.   Links: Learn more about Triangle's mortgage products 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.      The main difference between a condominium and a house is that when you buy a house, you purchase the land and the building on it. With a condominium, or condo for short, you buy the unit and share the land with other condo owners.    Unlike apartments, you don't pay rent on houses and condos; you pay your mortgage and a condo HOA fee (more on that in a minute). However, some condos are available to rent if you prefer, but that means you won't build equity over time. When you buy a house or a condo and start paying your mortgage, you'll build up equity.    One compelling reason to consider a condo over a house is the pricing. Condos are typically more affordable, making them an attractive option for first-time buyers. A study by the National Association of Realtors found that the median price of detached single-family homes was $42,000 more than the median price of condos, a significant difference that could make homeownership more accessible.   However, condos usually have additional fees attached. Condos typically have a Homeowner Association, or HOA for short, which comes with fees. Some HOA fees include utility fees such as water, electricity, and more, which you would've had to pay anyway if you bought a house.    An advantage of condos over houses is that upkeep is a lot easier. Due to the HOA fees mentioned, someone will handle all the exterior maintenance, like lawn mowing, snow removal, and general outdoor upkeep. With a house, you'd have to do everything yourself or hire someone else.    While this has advantages, a condo may not be for you if you enjoy taking care of your lawn and garden and don't want to share it with your neighbors. Similarly, a condo is probably not the way to go if you value your space. With some condos, not only are you sharing your outdoor spaces, you might also be sharing walls. Many condos are attached so you will be very close to your neighbors. However, there are detached condos that aren't. Depending on your lifestyle, you might value this tight sense of community, or you might want your space away from others.    A downside to condos is you have less autonomy over what you can and can't do with your space. Some HOAs have stringent rules, such as how you can decorate the outside of your unit and what pets are allowed. While some neighborhoods where you buy a house might have an HOA, you typically are not restricted with what you can and can't do to your home.    Condos might also be harder to sell than houses, especially if the HOA is mismanaged. If you notice that many condos in the area are for sale, that might be a red flag that people are trying to leave this community.    There are upsides to condos in that the insurance is generally cheaper than buying a single-family home. This is because you are only responsible for the inside of your home, compared with having the land and house insured.    Which is the better choice for you, a house or a condo? The answer lies in your lifestyle and what you value most. A condo could be the perfect fit if you're looking for a more affordable option and don't want to worry about outdoor upkeep. On the other hand, if you value your personal space and prefer more autonomy, a house might be the better choice. It's all about finding the right balance that suits your needs and preferences.    Whatever you choose, if you're looking for a mortgage, Triangle Credit Union has got you covered. Triangle offers affordable mortgage solutions for whatever your situation might be. Visit trianglecu.org today so we can help you start on your housing journey.   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.