Podcasts about tip tuesday

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

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

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

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

Tip Tuesday, 4-7 Min Real Estate TipsRefinancing can make sense in some situations, but it's not automatically the right move just because rates change. In this Real Estate Tip Tuesday, we walk through the key factors to look at when deciding whether a refinance is worth it, including timing, costs, and long-term goals. This episode is about helping homeowners ask the right questions before moving forward so they can make confident, informed decisions instead of reacting to headlines.​​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

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

Tip Tuesday, 4-7 Min Real Estate TipsThere's been recent discussion from investor Bill Ackman about the possibility of adding prepayment penalties to some mortgage products as a way to potentially lower interest rates. In this Real Estate Tip Tuesday, we explain what prepayment penalties are, why this idea is being talked about, and how this type of proposal fits into the broader conversation about mortgage rates. This episode is focused on understanding the concept itself and the discussion around it, not predictions or guarantees.​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

Tip Tuesday, 4-7 Min Real Estate TipsAs we look ahead to 2026, many buyers and homeowners are wondering where mortgage rates could be headed. In this Real Estate Tip Tuesday, we talk through the factors that typically influence rate trends over time, what economists and markets tend to watch, and why forecasts should be used as guidance, not guarantees. This episode is about setting realistic expectations and helping you think strategically, rather than reacting to headlines or waiting for a perfect number that may never come.​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Jenn shares a travel hack she recently stumbled upon that saved her over $530 on her hotel in Toronto. The bonus? It only takes a few minutes to do!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 TipsThere's been a lot of attention around a proposed $200 billion mortgage bond purchase plan that aims to influence mortgage rates. In this Real Estate Tip Tuesday, we explain what mortgage bonds are, why this bond purchase plan is being discussed, and how such purchases historically relate to mortgage rates.​​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

Tip Tuesday, 4-7 Min Real Estate TipsOne of the biggest mistakes buyers make is assuming their pre approval amount is their true budget. In this Real Estate Tip Tuesday, we explain why a lender's number is a maximum, not a recommendation, and how real life expenses should factor into your comfort level. This episode is about buying smart, protecting your lifestyle, and avoiding unnecessary financial stress.​​​Here's a basic budget form to get you started: https://katielambert.exprealty.com/blog/177132/Monthly+Budget​​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

Many of us buy refundable tickets in case our travel plans change, but did you know you could accidentally void your refund by downloading tickets in advance? Jenn shares a cautionary tale and how you can avoid this happening to you.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 TipsPortable mortgages have been coming up more in conversations lately, especially as homeowners look for flexibility in a higher rate environment. In this Real Estate Tip Tuesday, we explain what a portable mortgage is, why it's being discussed, and the types of situations where a concept like this could matter. This episode is about understanding the idea itself so you can stay informed as lending options and conversations continue to evolve.​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

Tip Tuesday, 4-7 Min Real Estate TipsMortgage rates are often misunderstood. In this Real Estate Tip Tuesday, we explain how mortgage rates are determined. Understanding what actually drives rates can help buyers and homeowners make more informed decisions instead of reacting to headlines. If you've been wondering why rates move the way they do and what that means for your timing and strategy, this episode breaks it down in a clear, practical way without getting overly technical.​​Follow our weekly mortgage rate updates: https://youtube.com/playlist?list=PLvQwjaqVCSSDpYPEN7FIL6Jlvm6Lq8b8l&si=RbpdIPh1VQMfeqdH​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

What if you could enjoy your favourite things in a different location? Meggan shares how to make travel an extension of your everyday life by incorporating your hobbies and making trips more personal.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 TipsThe holidays are a great time to pause and check in on your home. In this Real Estate Tip Tuesday, we talk through simple but important end of year reminders that many homeowners overlook. From basic maintenance to security and scam awareness, this episode is about protecting your home, your investment, and your peace of mind before heading into the new year.​​Get the ultimate home maintenance checklist for every season: https://katielambert.exprealty.com/blog/112235/The+Ultimate+Home+Maintenance+Checklist+For+Every+Season​​#HomeMaintenance #ArizonaLiving #arizonaRealtor​​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.

The holidays bring a lot of excitement, but even with all the talk of cheer and togetherness, they can sometimes feel overwhelming. Luckily, there are simple and affordable ways to lower your stress and enjoy the season more.  Links: 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.   For most families, the holidays are a busy time. There's gift planning, budgeting, gatherings, and then all the clean-up and organizing. It can feel like you're being pulled in every direction, so it's no surprise that stress and anxiety go up this time of year.  Taking care of your mental health can be tough, but it is possible. Here are a few ways you can look after your mental and physical health this season.  If money is tight this year, try buying one gift for the whole family instead of individual gifts. This helps keep costs down and makes shopping less stressful. You don't have to find the perfect gift for everyone—sometimes a group gift is just as fun and memorable. Don't try to handle everything on your own. If you usually take on all the work, try asking others to help out. Hosting a potluck instead of making all the food yourself can ease your workload and lower your costs. It also gives you more time to relax and enjoy with your guests. Remember to rest and get some exercise. It doesn't have to cost anything—just take a walk around your neighborhood or find a local trail. Enjoy some fresh air and give your mind a break from all the holiday planning and activities. Choose just a few simple events to attend. You don't have to accept every invitation, whether in-person or online. It's okay to say no and save yourself some stress. If you usually host big gatherings, consider a smaller get-together, like a movie night or cookie decorating. Don't forget to play some music. Holiday songs are a great way to lift your spirits. Put on your favorites while you cook, wrap gifts, or spend time with family. It's free and can really boost your mood. Stay organized and clear out clutter. This time of year, it's easy for things to pile up. Getting rid of items you don't use can help you relax and make space for new things. Donate what you no longer need—you'll feel better, and someone else might benefit from your donation. The holidays should be a time to relax and enjoy yourself. Don't let stress take away your peace and joy. Take care of your mental health so you can make the most of the season.  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.   

The holidays are busy. We're all too often distracted by planning, shopping, and preparing that responsibly managing our money sometimes get pushed to the back burner. Fortunately, there are ways to maintain a bit of control during this time by being disciplined and preparing ahead.   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.    The holiday season is a time for joy, family, and celebration—but it can also bring financial stress. Between gifts, decorations, and festive meals, expenses add up quickly. The good news? With a bit of planning and wise choices, you can enjoy the holidays without breaking the bank. Here are five easy strategies to help you save money this season.   Make a Gift List and Prioritize Before you start shopping, create a detailed gift list. Write down everyone you plan to buy for and rank the gifts by importance. Assign a spending limit for each person and make sure to stick to it. This approach keeps your spending intentional and helps you avoid impulse purchases that could derail your budget.  Take Advantage of Seasonal Sales and Discounts Timing is everything when it comes to holiday shopping. Plan your purchases around significant sales like Black Friday, Cyber Monday, and other holiday special events. If those big shopping days have already passed, you can still use price comparison tools and coupon apps to ensure you're getting the best deal during the season. For essentials like wrapping paper or stocking stuffers, consider buying in bulk to save even more. Once the holidays are over, take advantage of post-holiday clearance events to purchase items at deeper discounts to use next year.   Cut Back on Non-Essential Spending Making small sacrifices today can pave the way for substantial savings down the line. Consider skipping those daily coffee runs, cutting back on dining out, or putting a temporary hold on subscriptions you can live without. By redirecting that money into your holiday fund, you'll be surprised at how quickly it adds up! Even saving just $20 a week for a month can give you an extra $80 to spend on thoughtful gifts or festive celebrations. It's all about making those little adjustments now to ensure a more joyful, stress-free holiday season later. Enjoy the extra financial freedom that comes with careful planning!  Use Cashback and Rewards Programs Maximize your holiday shopping experience by leveraging loyalty programs, credit card rewards, and cashback apps. Lots of retailers have awesome holiday deals that let you rack up points or get cash back on your purchases. These rewards can really make a difference—think about using them to give lovely gifts to your friends and family or to help cover other holiday costs. By taking advantage of these offers, you can stretch your budget further and make your shopping trip a lot more fun. So before you start loading up your cart, take a minute to check out all the rewards available to you and make this holiday season even better!  DIY Gifts and Decorations Homemade gifts and decorations are not only budget-friendly but also add a personal touch. Consider baking treats, crafting ornaments, or creating photo albums. These thoughtful gestures often mean more than store-bought items and can turn into fun family activities.   Saving for the holidays doesn't have to be stressful. By planning, shopping smart, and getting creative, you can celebrate the season without overspending. Start implementing these tips today and enjoy a festive, worry-free holiday season.  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! 

Ryanair recently announced that it is moving to 100% digital boarding passes as of November 12th, 2025. But what does that mean for travellers who do not have access to a smartphone? We review the policy and what to do if you need a paper boarding pass.Episode resources:Link to Ryanair policySupport 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 TipsMost doctors, nurses and teachers in Arizona have no idea they qualify for special home financing. This Real Estate Tip Tuesday explains the key perks, how they compare to traditional loans, and why waiting on the sidelines could mean missing out on serious savings and the right home.​​#ArizonaHomeLoans #DoctorNurseTeacherLoans #PhoenixRealEstate​​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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The holidays are in full swing, marking the beginning of the giving season. This year, as we search for gifts for our friends and family, let's also keep in mind the needs of our community by taking time to make a positive impact now and even throughout the following year.  Links: Learn more about Giving Tuesday Participate in our Share 'Cuz You Care campaign (Votes accepted until December 4th, 2025) 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 is Giving Tuesday, a day celebrated worldwide to honor the countless individuals and organizations dedicated to serving those in need. This global initiative promotes generosity and fosters a sense of shared humanity, ensuring that everyone can receive help through acts of service and giving.   Take a moment today to reflect on how you can contribute to the mission of Giving Tuesday by helping and serving others. Here are a few inspiring ways to celebrate today and throughout the week:  Collect Goods for Your Neighborhood Direct your efforts toward local organizations that truly make a difference. Many community groups—homeless shelters, humane societies, food pantries, and soup kitchens—always need donations. Visit their websites to find out what items are most urgently needed. You can gather items individually or come together with friends or family to make a bigger impact.   Clean Up Your Neighborhood If you enjoy being outdoors, take the time to beautify your community. Giving back to your community doesn't have to involve physical items and can involve giving your time to improve your surroundings. One great way to do this is to pick up trash in local parks, along roadways, or in other overlooked areas. Just be sure to stay safe by wearing bright clothing so that motorists can see you easily while you work especially when on the side of the road.   Volunteer at a Local Organization While donating is wonderful, volunteering can create an even greater impact. If you love interacting with people or are looking for a fulfilling way to give back, try giving your time to help organizations by assisting with in-person needs. Many local nonprofits need volunteers to help with tasks like food service, shelf stocking, food distribution, or even dog walking. Most organizations offer simple sign-up forms on their websites, allowing you to choose a time slot that works for you. Consider how you'd like to contribute and explore the opportunities available.   Create and Share Kindness Kits Sometimes, the chance to give comes unexpectedly. You might encounter someone in need—a person on the street, someone at the grocery store, or a local coffee shop. Prepare a few kindness kits to keep in your car or with you, so you can easily share them when the moment arises. Include items like basic hygiene products, gift cards, encouraging notes, snacks, and maybe an extra special item or two. With these kits on hand, you'll be ready to spread kindness not just during the season, but throughout the year.   On this Giving Tuesday, embrace the spirit of generosity and take action to uplift others. Additionally, don't miss your chance to participate in our Share ‘Cuz You Care campaign by voting for the nonprofit organization that you believe deserves the top donation from Triangle Credit Union. Visit trianglecu.org or click the link in the show notes to learn more.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Tip Tuesday, 4-7 Min Real Estate TipsReal Estate Tip Tuesday highlights two Arizona down payment assistance programs that many Phoenix buyers overlook Home Plus and Home in Five. This short episode explains what these programs are, who may qualify, and how they can reduce upfront costs so buying a home could be possible sooner than expected.​​​#phoenixrealestate #downpaymentassistance #firsttimehomebuyer​​​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.

Donating to charitable organizations is a powerful expression of kindness and a meaningful opportunity to educate those around us, particularly younger generations. Giving back to our communities not only provides support to those in need but also fosters a sense of connection and responsibility that is essential for a thriving society.   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.        During the gift-giving season, it's essential to consider the transformative potential of supporting local service providers dedicated to uplifting underserved communities. These organizations, often run by passionate individuals who have devoted their lives to making a difference, offer vital services such as food, shelter, toys, and clothing for children, transitional housing for families in crisis, and support for veterans. By contributing to these initiatives, you are not only assisting those in immediate need but also energizing local economies and encouraging community solidarity.  Participating in charitable giving also fosters a profound sense of fulfillment. It is common to feel uncertain about the appropriate gifts for family and friends during the holiday season, often questioning, "Do they really need more clothing or gadgets?" However, when you choose to donate to a charity in someone's name, it transforms the act of gift-giving into something truly meaningful. This ensures that the gift resonates deeply, providing support to those who genuinely need it rather than adding to the clutter of material possessions. This approach is especially significant for older family members who understand the value of thoughtfulness and community support, while younger relatives may take a little longer to grasp the concept but will come to appreciate it as they grow.  Furthermore, donating to charities creates invaluable teachable moments with the younger members of our families. Children are keen observers, learning from the actions of their parents and other family members. Whether donating money, tangible items like clothing or food, or dedicating time to a charitable organization, these selfless acts impart important lessons about generosity, empathy, and community involvement. Engage children by asking, "Would you like to participate in this?" If they express interest, nurture their willingness, guiding them through the act of giving. If they decline or seem indifferent, use this moment as an opportunity to communicate the importance of philanthropy, explaining why helping others is vital. This allows them to arrive at their own understanding of generosity and perhaps inspire them to take action in the future.  Moreover, while the emotional aspects of giving are significant, it is essential to recognize the practical benefits associated with charitable donations. Charitable organizations function as non-profits, which means that donations are often tax-deductible. Those who itemize their taxes should request receipts for their contributions, as this can maximize the potential benefits of their donations. It's a win-win situation where you can give back to the community while also reaping financial rewards during tax season.   For those seeking to make an impact, a simple online search can reveal local charities that are eager for support and donations. Whether it's a food bank, an animal shelter, or a program supporting at-risk youth, countless organizations are making a difference in your community, and your contribution can be the catalyst for positive change.   Finally, consider involving your friends, co-workers, or social circles in your charitable efforts. Organizing a donation drive or volunteering as a group can not only amplify your impact but also strengthen your bonds and foster a culture of giving among your peers. In a time where social media often highlights consumerism, sharing your charitable ventures can inspire others to join in and spread the spirit of philanthropy.  By embracing the practice of charitable giving, we not only enrich the lives of those we help but also create a legacy of compassion that can be passed down through generations.   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.  Have a great day!

Meggan shares details on the Entry/Exit System (EES) for the Schengen Area, which began in October 2025. Learn if it applies to you and how the system works.Episode Resources:European Union websiteSupport the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 4-7 Min Real Estate Tips​Many eligible buyers never take advantage of Section 184 financing. In this Tip Tuesday, I break down how this program can lower upfront costs, make qualifying easier, and help you buy sooner in the Phoenix area instead of renewing your lease again.​​#Section184Loan #ArizonaRealEstate #HomeBuyingTips​​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.

Think identity thieves only target high income individuals, a bigger prize if you will? False. Identity thieves target anybody they think might fall for their scams. They'll keep coming up with new ways for unsuspecting victims to hand over personal and financial information. Keep listening to learn a little more about how thieves work to steal your identity, and a few things you can do to stop them in their tracks.   Links: FTC Consumer Sentinel Report Learn more about USPS Informed Delivery Service Monitor your Social Security account  Get identity theft protection with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Have you heard any of these following stories recently?  An elderly woman was scammed for tens of thousands of dollars, including the purchase of a vehicle and applications for multiple loans. (KSAT)  A young professional's stolen wallet resulted in reports of bad checks, dozens of new credit cards, false criminal charges, and more. (LA Times)   The NFL's number one draft pick Cam Ward was targeted by identity thieves, resulting in high interest loans, liens on his home, and more, resulting in $250,000 in fraudulent debt. (The Guardian)  These true stories are just a few examples of identity theft that could happen to anyone, regardless of your age, occupation, financial status, or where you live. In each case, the victims learned about the crime after their information was stolen and had already been used multiple times.   Identity theft occurs when someone steals another person's sensitive personal information and either uses it as their own or sells it on the black market for other perpetrators to use for financial gain or fraud. Identity theft has been making headlines for years; however, each and every year, thieves become more sophisticated. Staying in step with these criminal advances is a constant struggle for small business owners, corporations, and individual consumers alike. In spite of the work that is being done to keep our information safe, cases of identity theft continue to be reported at an alarming rate.   According to the Federal Trade Commission's Consumer Sentinel Report covering the full year of 2024, reported cases of identity theft have increased by over 584% in the last 20 years. Here are some other highlights from this report:  Last year, more than 2.6 million cases of identity theft were reported, and more than 1 in 3 people who reported a scam also reported losing money.  The median loss to fraud victims is almost $500, with total reported losses of more than $12 billion, an increase of more than 25% compared to 2023.  The most common type of identity theft is credit card fraud, which includes using stolen information to open a line of credit as well as using a legitimate card fraudulently.  Experts estimate that there is a case of identity theft every 22 seconds and that 33% of Americans will face this issue in their lifetime.  While safeguarding your personal information is key, so is knowing what to do if you find out that you have already become a victim of identity theft. First, you should know what red flags to watch out for, as time is of the essence when dealing with identity theft. The longer you wait to begin the recovery process, the more losses you risk facing. Early warning signs of identity theft can include:   Finding unknown charges on your credit card or bank statement. Receiving calls from collection agencies about debts you aren't aware of. Seeing unfamiliar withdrawals from your financial accounts. Receiving bills for items you didn't purchase or services you didn't request. Finding out that a tax return has already been filed in your name, prior to filing your own. Being unexpectedly denied on a loan application. Receiving notification of a line of credit that you did not open. Getting notifications or other information about government benefits or loans that you did not apply for.  If any of the above signs apply to you, they should be addressed immediately. For those of you who have a Triangle Better Checking account, you have access to dedicated Identity Theft Recovery Advocates who can help you assess what information has been compromised and assist in quickly taking steps to stop the damage and recover your identity, regardless of the type of identity theft or how it happened.  Once you have addressed the immediate issues surrounding the theft of your personal information, there are a few things you can do to help protect your identity in the future.   Regularly check your bills and financial statements. It's common practice for scammers to make small purchases or withdrawals first to see if they can get away with it before attempting larger purchases or loans. Notify your financial institution immediately if you see a charge that you don't recognize.   Use unique passwords for each of your online accounts. If a hacker obtains your password for one account, they will likely pair it with your name or email address on other sites to see what else they can gain access to. Consider using a trusted password service to help manage unique passwords for you. Changing your passwords regularly is another effective deterrent against scammers.    Collect your mail daily and pay attention to any recurring items, like bank and credit card statements, to make sure you don't miss any. Some thieves take envelopes containing s;pppp00oensitive information out of mailboxes. If you are away from your home for an extended period of time, notify the postal service to hold your mail while you are gone. It is also a good idea to enroll in USPS Informed Delivery, a free service from the postal service that shows you preview images of incoming mail, plus status updates about your incoming and outbound packages.   Monitor your Social Security account. Set up a free account with the Social Security Administration to help ensure your Social Security number isn't fraudulently claimed by someone else.   Identity theft can happen to anyone, and its effects can range from a small annoyance to financial devastation. The best protection is prevention, but if your information is used without your knowledge, we are standing by to help. If you are a Better Checking account holder and you think that you might be a victim of identity theft, contact the friendly staff at Triangle and we will put you in touch with a professional Identity Theft Recovery Advocate.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Tip Tuesday, 4-7 Min Real Estate TipsFifty year mortgages are being sold as the next answer to affordability, but do they actually help buyers in Arizona?​​In this Tip Tuesday, Ryan and Katie break down how a fifty year loan could change your monthly payment, how much more interest you might pay over time, and what it could mean for your options if you want to move or refinance.​​Before you wait around for home prices to fall, get the real world pros and cons so you can choose what truly supports your long term plans in the Phoenix market.​​#phoenixrealestate #arizonahomes #realestatetips​​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.

Travel can be expensive, especially when airlines start adding fees to an already costly ticket! Jenn shares a few ways to save on baggage fees or avoid paying them altogether.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 TipsThinking about buying a home that needs a facelift or making your current home feel brand new? This Tip Tuesday episode breaks down renovation loan options, showing you how to fund upgrades and improvements. ​Learn how these loans work, which projects qualify, and how to leverage refinancing for a smoother, more affordable renovation process. Whether you're looking to boost your home's value, create your dream space, or simply modernize a few rooms, this episode gives you the tools and confidence to take the next step. Dive in and discover the possibilities for your Arizona home.​​#ArizonaRealEstate #HomeRenovation #MortgageTips #Refinance #HomeUpgrade #TipTuesday​​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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Developing strong financial habits starts with understanding how you interact with money—both consciously and unconsciously. To truly make the most of what you earn, you need to uncover the hidden patterns in your spending and recognize where money might be slipping away. So, what everyday habits could be quietly draining your wallet without you even realizing it?   Links: Want lower interest rates? Contact Triangle Credit Union for more information on debt consolidation options Keep better track of your expenses with our Money Management tool within online 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.   In order for us to live financially free lives, we need to take charge of ALL the ways we spend money. Part of taking charge involves recognizing all the productive and unproductive ways we're spending our money.   Last week we covered five sneaky ways our habits can drain our wallets and this week I'm going to present five more for you to be aware of.  Exorbitantly High Interest Loans High-interest loans—like payday loans, certain credit cards, or quick cash advances—can trap you in a relentless cycle of debt. What starts as a short-term fix often turns into long-term financial strain, with interest piling up faster than you can pay it down. These types of loans are especially risky in tough economic times, when borrowing may feel like the only option. Unfortunately, the high rates make it difficult to catch up, and the stress of mounting debt can affect your overall financial health.  If you recently discovered you're paying a lot of money towards high-interest debt, explore alternatives like refinancing, balance transfers to lower-interest cards, or consolidating debt through a reputable lender. If you're unsure where to start, speaking with a financial advisor or nonprofit credit counselor can help you find safer, more sustainable solutions.   Overspending on Convenience Services Food delivery, express shipping, and pre-packaged items are all about ease—but that convenience comes at a cost. Whether it's the markup on restaurant meals, the extra fees for rush shipping, or the premium price of ready-made products, these small expenses can quietly snowball into a major budget drain. It's tempting to lean on these services when life gets busy, but using them regularly can eat into your finances more than you might expect. In today's economy, where every dollar matters, convenience should be a conscious choice—not a default habit.   Plan ahead to reduce reliance on convenience services. Cooking at home, batching errands, or choosing standard shipping instead of express can lead to meaningful savings without sacrificing too much comfort.  Lifestyle Inflation As income grows, spending often grows right along with it—a phenomenon known as lifestyle inflation. It's easy to justify upgrades like a nicer car, more frequent dining out, or luxury gadgets when you're earning more, but these habits rarely improve long-term financial security. In fact, they can quietly prevent you from building savings, investing, or reaching bigger financial goals. Without a plan, higher income can lead to higher expenses and little progress.   Keep your lifestyle modest even as your earnings rise. Automate savings so a portion of your income goes directly into a savings or investment account, and set clear financial goals to stay focused. That way, you can enjoy your success without letting it slip through your fingers.  Buying Low-Quality Items That Need Frequent Replacement Cheap products may seem like a bargain at first glance, but poor quality often leads to more frequent replacements—costing you more over time. Whether it's clothing that wears out after a few washes, electronics that break down quickly, or furniture that doesn't hold up, these purchases can become a cycle of spending that feels never-ending. In the long run, constantly replacing low-quality items can drain your budget and leave you frustrated. Plus, the environmental impact of disposable goods adds another layer of cost that's easy to overlook.  Invest in durable, well-reviewed items when possible. While the upfront cost may be higher, quality purchases tend to last longer, perform better, and offer greater value—saving you money and hassle down the road. Overpaying for Expensive Brand Names Premium brands often charge significantly more for products that offer similar quality to generic or store-brand alternatives. While the packaging and marketing may be more polished, the actual performance or ingredients are often nearly identical. In many cases, you're paying extra for the name, not the value. This is especially true with household goods, groceries, and personal care items, where brand loyalty can overshadow smart spending. Over time, these brand-based purchases can quietly inflate your expenses without delivering better results.  Take a moment to compare ingredients, reviews, and performance before buying. You might be surprised to find that a lower-cost alternative works just as well—or even better—than the name-brand version.  Being mindful of these habits doesn't mean you have to live ultra-frugally or give up the things you enjoy. It's about making smarter choices that align with your financial goals. A few small changes can lead to big savings—and a lot less stress when you check your bank account.  That concludes this week's list of five more sneaky habits that can drain your wallet. If you didn't catch the first five, check out last week's Money Tip for the rest of the list.  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 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! 

Full show notes and links available at: tashcorbin.com/382If you've ever found it challenging to consistently show up on social media, you may have wondered: Should I use theme days (like “Tip Tuesday” or “Behind the Scenes Thursday”) to make content creation for my socials easier? You're not alone.In this episode of the Heart-Centred Business Podcast, I'm unpacking the pros, cons, and what actually works when it comes to using theme days on your socials....read the full article at: tashcorbin.com/382Let me know your thoughts via our Text FanMail!Email support@tashcorbin.com to discuss how I might be able to support you and your business growth.

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Ever glance at your bank account and wonder, “Where did it all go?” Impulse buys might be the usual suspects, but they're just the beginning. In today's economy—where every dollar counts—there are plenty of subtle ways money slips through the cracks. Some are so routine habits that could be draining your wallet, and you might not even notice them.  Links: Keep better track of your expenses with our Money Management tool within online 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.   In a time when prices seem to rise faster than paychecks, keeping track of your spending is more important than ever. Yet even the most budget-conscious among us can fall into habits that quietly drain our finances. From everyday conveniences to overlooked fees, these money leaks often go unnoticed until it's too late. The good news? Most of them are fixable with a few smart tweaks.   This tip is part one of two tips that will cover ten sneaky yet common budget busters. Here are the first five.   Throwing Away Wasted Food Buying groceries with good intentions only to toss them out a few days later is a quiet but costly habit. Whether it's forgotten leftovers, produce that never made it into a meal, or bulk items that seemed like a good deal at the time, food waste can add up fast—and so does the money lost with it. In today's economy, where grocery prices continue to climb, letting food go unused is like throwing cash straight into the trash. The problem often stems from lack of planning or overestimating what we'll actually eat during the week. Plan meals before shopping and stick to a list that reflects your actual schedule and appetite. Explore tools like dinner planning apps or notebooks to keep your meal plan organized and easy to follow.   Overspending on Dining Out Takeout and restaurant meals are undeniably convenient—especially after a long day—but that convenience comes at a steep price. With rising food costs, service fees, and delivery charges, even a quick bite can end up costing double what it would to make at home. It's easy to fall into the habit of dining out regularly without realizing how much it's impacting your budget. Over time, those small splurges can add up to hundreds of dollars a month. Set a realistic weekly dining-out budget and explore simple, quick recipes that make cooking feel less like a chore. Even swapping just a few restaurant meals for homemade ones each week can lead to noticeable savings—and might even spark a new love for cooking.  Impulse Purchases Online shopping makes it incredibly easy to buy things on a whim—just a few clicks and it's on its way to your doorstep. These impulse purchases often feel satisfying in the moment, but they can quickly lead to regret, clutter, and a shrinking bank balance. With targeted ads and flash sales constantly vying for your attention, it's easy to convince yourself that you need something you didn't even know existed five minutes ago. Over time, these small, unplanned buys can add up to a significant drain on your finances. Curb this temptation with the 24-hour rule—wait a full day before buying non-essential items. This simple pause gives you time to reflect on whether the purchase is truly worth it or just a fleeting desire.  Paying for Unused Subscription Services Streaming platforms, mobile apps, and memberships can quietly renew month after month—even if you've completely forgotten about them. It's easy to sign up for a free trial or a service you might use, only to let it slip under the radar while the charges keep rolling in. These recurring expenses may seem small individually, but together they can take a noticeable bite out of your budget. In a subscription-heavy world, it's more important than ever to stay on top of what you're actually using. Make it a habit to review your subscriptions every few months and cancel anything you haven't used recently. Budgeting apps and digital wallets often have built-in tools to help track and manage recurring payments, making it easier to spot and stop the ones that no longer serve you.  Fees on Late or Missed Payments Late fees and penalties are completely avoidable, yet they remain one of the most common and frustrating money drains. Whether it's a missed credit card payment, a forgotten utility bill, or a delayed loan installment, these charges can pile up quickly and quietly. Beyond the immediate financial hit, they can also damage your credit score—making future borrowing more expensive or even inaccessible. In a busy world, it's easy to overlook due dates, but the consequences can linger far longer than the oversight. Set up automatic payments for recurring bills whenever possible, and use calendar reminders or budgeting apps to track due dates. A little organization now can save you from costly mistakes later.   That concludes this week's list of 5 ways we tend to waste money. Next week I'll present 5 more, so make sure to tune in and take a listen! Ther may be some you haven't heard of before!  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 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!   

Meggan has stayed in over 75 different Airbnb properties, so she knows a thing or two about what makes a great Airbnb, and what makes an exceptional one! Meggan shares what she looks for in Airbnb listings, and how hosts can go above and beyond to offer an exceptional stay!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

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! 

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. 

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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!  

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! 

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!