Podcasts about tip tuesday

Identity thieves work extra hard to trick us into giving over our personal information. But there are ways for us to implement effective tactics to safeguard our identities and stop thieves in their tracks. In this tip, we're sharing five ways to take steps you can take to make it harder for identity thieves to steal your information.  Links: Explore the identity protecting benefits of a Better Checking account IRS Taxpayer Guide to Identity Theft Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Identity theft continues to be more than just a costly headache. Fraud scams and identity theft reports continued to top the list of scams reported to the FTC in 2024. In fact, nearly 6.5 million incidents were reported to the FTC last year, and over 1 million of those incidents included an instance of identity theft. These numbers prove that while scams and identity theft continue to evolve, so do the tactics that criminals use to commit these crimes. In this tip we'll share some lesser-known steps you can take to help avoid becoming the next victim of identity theft and fraud.  Use fake answers for your security questions One simple way to add a layer of protection to your accounts is to choose wrong or nonsense answers to security questions. If at age 16, you drove a green SUV, the security answer to “What was your first car?” might be “big avocado” rather than “green Ford Explorer.” The idea is to choose an answer that only has meaning to you and cannot be easily guessed. Real answers to your security questions may have been published in the past if you have ever participated in social media quizzes, polls, and challenges. Avoid using your real information, especially information typically found in security questions, like your mother's maiden name or the name of the street you grew up on, in any situation, no matter how seemingly harmless it may seem. A moment of fun could lead to many lost hours spent repairing damage to your identity.  Opt in for multi-factor authentication When available, enable multi-factor authentication ("MFA") to your online accounts. MFA is a type of authentication that adds two or more layers of security beyond a password. If only two factors are used, it is sometimes referred to as two-factor authentication or 2FA. While passwords should always be difficult to guess, and you can work to protect the answers to your security questions, adding another step to the login process decreases the chance that a hacker can gain access to your accounts. MFA typically works by sending a verification code by SMS text, by email, or by voice to a phone number listed on your profile. You must enter the provided code before being allowed to complete the login process. MFA should always be added when available. To know whether your account provider offers MFA, you may need to investigate your online options or give the company a call to ask, as it is not always offered proactively.  File your taxes early As this IRS Taxpayer Guide to Identity Theft website states, "tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security number, to file a tax return claiming a fraudulent refund." One simple way to avoid scammers getting a hold of your tax refund is to file before they do! Surprisingly, this type of fraud affects an estimated hundreds of thousands of Americans every year. Often, the scam isn't uncovered until an individual tries to file their own return and their refund is rejected because it has already been claimed. When tax season comes around, get everything in order ` and file early. This way you can both mark the chore off your list and avoid leaving your refund out there for someone else to claim.  Be smart and stay private on social media Two ways people put themselves at risk on social media are by disclosing their location and engaging with strangers. It's incredibly rare to truly need to share your location with a large group of friends and followers, yet location sharing is often an app's default setting. Some social media platforms keep location sharing on all of the time in the background, so you can always see another user's location. This allows ill-meaning individuals to access your home and work address, your travel routines, when you might be out of town, and your favorite vacation destination. Mobile location settings are often lifesavers when navigating in a new city or avoiding traffic jams, but allowing the social media universe to know where you are at all times is never necessary and can be detrimental to the security of both your identity and your possessions. While most people know to limit the information they share with those they meet online, there are still thousands of cases each year of people losing their money or identity information to a romantic interest or a new friend who wasn't who they claimed to be. Remember to keep your personal information private if you make connections online.  Routinely check your "in-app" privacy settings Occasionally, posts, articles, or notifications will remind us to review our privacy information, and for a time after doing a reassessment, our settings will remain locked down. However, sharing a public post from a business (to qualify for a prize, for instance) can reset your privacy preferences for future posts. Creating an intentionally public post, like when you have an item to sell or need to find a missing pet, can also change privacy settings on a future update that you intend to be more personal. On a regular basis, check your privacy settings in the apps where you are active, and take an extra second to check each social post before publishing to ensure that it is reaching only who you intend. Consider culling your friends list to those in your inner circle, or set most of your updates to only reach a select number of friends and family. Games and shopping apps are often checking your background in the same way to show you more relevant and personal ads. Locking down what you are sharing will help you protect your information while also using the internet to stay connected with friends and family in the way that you intend.  Add an annual task to your calendar to check in on these security measures and get started now. Also verify that your account passwords aren't reused or easy to guess (especially on banking, mortgage, and investment accounts).  And remember, if you suspect that your identity has been compromised, you have access to an Identity Theft Recovery Advocate as a benefit of your Triangle Better Checking account. These professionals are trained and ready to help you reverse the damage and get back on track quickly. They're experienced advocates who know how to spot identity theft and, when necessary, will support you through the process of repairing any damages.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

There's nothing worse than flying overnight and landing in the early morning, only to have to wait until 4pm to check in to your hotel. Meggan has a solution - consider booking an extra night so your hotel is ready upon arrival - of course, let them know first!Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 2-4 Min Real Estate TipsThere's a big update to state and local tax deductions that could mean more savings for homeowners this year. If you want to make the most of new tax opportunities, this one's for you! We're breaking down what's changed and how it could benefit Arizona buyers and homeowners—no complicated details, just what matters most. Curious how this impacts your situation? Drop your questions below or send us a DM!#HomeownerTips #TaxSavings #ArizonaRealEstate #MoneyMatters #HomebuyingJourney #SALTdeductions #TeamEvoAZ Text ConnectWithKatie to 480-508-9828 Text ConnectWithRyan to 480-508-9828 Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page. Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

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

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

Tip Tuesday, 2-4 Min Real Estate TipsGreat news for homebuyers! If your income is under $500k, you can now deduct your mortgage insurance (PMI) on your taxes again. This means extra savings in your pocket! Want to know how much you could save or if you qualify? Let's chat! Want to know what PMI really is (and why it's not the same as homeowners insurance)? Watch our previous episode here for a quick breakdown!  Watch now #HomebuyerTips #TaxSavings #ArizonaRealEstate #FirstTimeHomebuyer #MoneyMatters #TeamEvoAZ  Text ConnectWithKatie to 480-508-9828 Text ConnectWithRyan to 480-508-9828 Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page. Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

In an era where technology is intertwined with our daily lives, fraudsters are continually devising new strategies to steal sensitive information from unsuspecting individuals. Among their most insidious tactics is phishing—a deceptive practice designed to manipulate you into divulging your personal information without your awareness.  Learn more about KnowBe4 Awareness Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday, brought to you by the Making Money Personal podcast!   Today, we're sharing crucial insights inspired by an article from KnowBe4 Security Awareness and Training Solutions.  Security Tips: How to Detect Phishing Emails  As phishing activities increasingly proliferate, remaining vigilant is of paramount importance. Here are some key indicators to scrutinize before you take any action on an email:  Is it Expected? - Take a moment to consider whether you were anticipating this email. If it appeared unexpectedly, exercise caution as it may not be legitimate.  Is it Reasonable? - Context matters. Ask yourself whether it makes sense for you to receive this type of correspondence. If the content feels out of place or irrelevant, it's wise to be skeptical. Are There Grammatical Errors? - Pay close attention to the language used in the email. Messages that claim to be from established companies often contain spelling mistakes or poor grammar—this is frequently a clear warning sign of a phishing attempt. Does It Contain a Link? - Always hover your mouse over links without clicking to verify their authenticity. For example, if an email claims to be from emailaddress@google.com but the link leads to a suspicious domain like website.yahoo.com, you're facing a significant red flag. Does It Have an Attachment? - Be cautious about opening attachments, as they might harbor malicious programs disguised as harmless files. It's best to avoid clicking on attachments from unfamiliar sources. Does It Create a Sense of Urgency? - A common tactic among phishing emails is to instill a sense of panic, prompting you to act quickly. They may claim to be from a high-ranking official or require immediate attention. Resist the urge to respond hastily—take a moment to assess and critically evaluate the situation to protect yourself from potential phishing attempts.  Stay vigilant and take proactive steps to safeguard your personal information!  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Jenn recently stayed in two Sonder properties: Sonder Arlo in Ottawa and Sonder Lambert in Montreal! She shares her experiences with both properties, including the location, amenities, and her interactions with the staff!Episode Resources:Sonder Arlo in OttawaSonder Lambert in MontrealSupport the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 2-4 Min Real Estate TipsThis is episode one of our four-part series breaking down the newly passed Big Beautiful Bill and what it means for homeowners. Today, we're sharing what you need to know about the Permanent Mortgage Interest Deduction and how this major update could benefit you. Stay tuned to learn more about how these changes can impact your bottom line!​#BigBeautifulBill #MortgageInterestDeduction #HomeownerBenefits #ArizonaRealEstate #TipTuesday

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

Tip Tuesday, 2-4 Min Real Estate TipsScammers are getting creative—and homeowners are at risk. This week, Katie with Team EvoAZ at eXp Realty and Ryan Gilliam with Your Best Mortgage spotlight the top title and equity scams you need to know.​Want to stay safe? Grab our quick checklist to help protect your property and your peace of mind.​

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

Meggan shares some common travel scams she came across while planning her next trip. Unfortunately, we all need to be aware of our surroundings in order to stay safe while travelingSupport the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 2-4 Min Real Estate TipsThis week on Tip Tuesday, Katie and Ryan dive into one of the most dangerous scams facing homebuyers and sellers today: wire fraud during closing. Scammers are getting smarter—hacking or spoofing emails to send fake wiring instructions at the most critical moment of a real estate transaction. Sending your down payment or closing funds to the wrong account can mean losing tens of thousands of dollars, with little hope of recovery.​Tune in to learn:✅How wire fraud scams work and why they're so common during closing✅Red flags to watch for in emails and communications✅Simple steps you can take to protect your money and your home purchase

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

Tip Tuesday, 2-4 Min Real Estate TipsScammers are getting smarter—are you prepared? In Part 2 of our Tip Tuesday Scam Series, Katie with Team EvoAZ at eXp Realty and Ryan Gilliam with Your Best Mortgage are exposing two of the sneakiest (and most costly) real estate scams making the rounds in Arizona right now:✅Fake Mortgage Lenders or Brokers:They promise “guaranteed” loans or ultra-low rates, then run off with your personal info and hard-earned cash. Don't let a scammer steal your dream of homeownership!✅Straw Buyer Schemes:Bad actors use someone else's identity to buy homes, leaving innocent people with ruined credit and legal headaches. These schemes can wreck neighborhoods—and lives.We're breaking down how these scams work, the warning signs to watch for, and exactly what you can do to protect yourself. Plus, we've got a free checklist packed with practical tips to keep you and your family safe.

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

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

Tip Tuesday, 2-4 Min Real Estate Tips

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

Tip Tuesday, 2-4 Min Real Estate TipsCurious about how to save hundreds on your monthly payment—even in a high-rate market? This week, we break down real numbers from an actual listing in Mesa AZ to show you how assumable mortgages work, what the down payment looks like, and how you can take advantage of ultra-low rates from years past. This episode is packed with actionable tips and answers to the most common questions. Have questions about buying a home or want to know more about the process? Text ConnectWithDana to 480-508-9828 Text ConnectWithRyan to 480-508-9828 Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page. Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.#AssumableMortgage #MortgageHack #RealEstateTips #HomeBuyingTips #FirstTimeHomeBuyer #CreativeFinancing #HomeOwnership #FHALoan #VALoan #USDAloan #AssumeTheRate #MortgageEducation #RealEstate2025 #PhoenixRealEstate #AZHomes

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

Are you feeling overwhelmed about the thought of planning a trip? Whether you're a newbie or a seasoned trip planner, planning a trip requires a lot of work. Meggan shares some tips to decrease overwhelm so you can head out on your trip without the stress!Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 2-6 Min Real Estate TipsStill think you need a huge down payment to buy a house? That's old news! This week, we're busting the 20% down myth and revealing how Arizona buyers are getting the keys with as little as 3% down—sometimes with zero out-of-pocket. From local grants that never need to be paid back to flexible bank programs with no income limits, we're breaking down what's available, how they work, and what it really costs. Don't let outdated info keep you from your next move—let's get you home faster and smarter!#downpaymentassistance #firsttimehomebuyer #arizonarealestate #househunting #homebuyingtips #mortgageminute #realestatemythbusting Have questions about buying a home or want to know more about the process?  Text ConnectWithDana to 480-508-9828 Text ConnectWithRyan to 480-508-9828 Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page. #HomeBuyingTips #PhoenixRealEstate #TipTuesday #TeamEvoAZ #YourBestMortgage 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.

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

Tip Tuesday, 2-4 Min Real Estate TipsThinking about buying a home and wondering what appraisals are, who pays for it, and what happens if the value comes in higher or lower than expected? This week, Ryan breaks down everything you need to know about appraisals—from who orders them and when, to how much they cost, and what your options are if the appraisal doesn't match your offer. Plus, discover the special incentive Ryan offers: Your Best Mortgage covers your appraisal fee!

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

Skiplagging is a growing trend where people are booking flights and skipping one leg in order to stay in the layover city. But, there are risks involved, and we're not a fan! Tune in to learn why.Support the Travel Mug Podcast by buying us a coffee! You'll make our day & you'll get access to fun stuff like bloopers and extra content.We have Merch! Shop the Travel Mug Podcast Store Check out our fav items here: Our Favourite Travel ProductsGRAB OUR MASTER PACKING LIST HERE*****************************************We are travel enthusiasts who do not claim to be professionals! Instead, we are two Halifax, NS natives with travel blogs who somehow found one another on the internet, and now, we have a podcast!!Join us every week as we talk about our favourite destinations, travel tips, travel fails, and all things travel!We have a big passion for travelling and talking about travel, so we hope you will listen and join the conversation.You can find us here:Our WebsiteFacebookInstagramJenn's Travel Blog Jenn's YouTube channelDisclaimer: All episodes are based on our opinions and experiences. Always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 2-4 Min Real Estate TipsStarting your home search? Before you dive in, make sure you're set up for success by asking the right questions! This week, Dana from Team EvoAZ and Ryan from Your Best Mortgage break down the top 10 questions every buyer should ask their agent during the consultation process. These questions help build trust, set expectations, and ensure you have the right team in your corner.Here's what you'll learn:What's important when choosing an agentHow to gauge your agent's local market knowledgeWhy communication style matters for a smooth transactionWho you'll work with throughout the process and what happens if your agent is unavailableWhat sets your agent apart from others in the marketHow your agent will help you find the right home, including off-market opportunitiesHow many clients your agent is currently working with and how it impacts your experienceHow buyer's agents are paid and what agreements you may be asked to sign Have questions about buying a home or want to know more about the process? Drop them in the comments below! Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page. Want to connect directly? Text ConnectWithDana to 480-508-9828 Text ConnectWithRyan to 480-508-9828 #HomeBuyingTips #PhoenixRealEstate #TipTuesday #TeamEvoAZ #YourBestMortgage 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.

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

Recession, crisis, tariffs, inflation—all these words circulating around the media and internet for the past few weeks have made many people uneasy and a little frightened about the future. Stories of an alarming nature are circulating daily, so if you're beginning to feel spooked, you're not alone. Whether or not a real economic crisis will happen is hard to predict, but setting some safeguards for your financial future can give you some solid peace during turbulent times.   Links: Set aside cash in a savings account for potential emergencies Explore our many Financial Planning Services Watch our Debt Reduction Webinar to learn how to put together your own debt reduction strategy  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've been following the news lately, you're likely hearing alarming messages warning of a looming recession, empty store shelves, economic uncertainty, and the possibility of a global financial crisis.    Many of our brains are wondering how likely we are to experience these challenges and, if so, when.    First and foremost, it's crucial to stay calm. Remember, news stories are often sensationalized for attention-grabbing headlines, with little substance behind them.   This doesn't mean that there might not be some financial challenges coming down the pike, but the good news is that, we can take specific, measurable steps to safeguard our finances for the possibility that something might occur.   If you're feeling uneasy about your financial future, here are a few ways to safeguard your finances during economic challenges and even recessions.    Save money. If economic uncertainty increases, the chances of job loss, price increases, and unplanned expenses go up. Having money set aside for those purposes is not just wise, it's a crucial step towards feeling secure and prepared. Having money saved in an emergency fund can also keep you from relying on credit or dipping into retirement if you need money. It's wise to have some saved in an account you can easily withdraw from, and to even have a portion of it as cash at home in case there are tech disruptions, or you don't have the time to get to a bank or ATM.  Work to pay down excessive debt. When it comes to economic uncertainty, crippling debt can be a liability. Many Americans carry a variety of debts, but if your debt has become burdensome to the point that it's causing stress, you owe it to yourself to do something about it. Those carrying crippling debt don't have the freedom to adapt which proves so valuable during economically challenging times. To safeguard your financial health against economic challenges, it's important to start paying down your debt. Focus on an effective debt-reduction plan like the debt snowball or debt avalanche method. If you're unsure where to start, check out our debt reduction webinar on our YouTube channel for a practical and easy-to-follow debt-reduction strategy.  Don't panic and feel that you have to be fully debt-free to weather an economic storm. Instead, focus on minimizing your debt to free up more income for your needs as they arise.  Review existing investment portfolios. If you're worried about future economic challenges, it's a good time to look at your current portfolio. The point of this isn't to panic, but to determine whether it's time to make strategic moves in the market. Doing this can provide reassurance and a stronger sense of control. Economic factors impact investment and retirement accounts, so at times situations may arise to make adjustments. For those unfamiliar with investing and markets, it's ideal to sit down with a professional who can review everything and provide a custom assessment regarding your portfolio. Financial planners with investing experience can be excellent guides because they've been watching markets, can see trends, and have a comprehensive understanding of the various factors at play within the economy. If you're interested, Triangle's financial planning services offer expert advice on making the right investment moves in a volatile market. Visit trianglecu.org to explore resources for investing and preparing for the future.   Cut back on expenses and practice frugality. When times get lean, making the most of what you have, and cutting back on spending can give you an advantage. Practicing this gives you control over your money and lifestyle in a way that can shield you against the many unexpected possibilities like unemployment and rising prices. Unemployment isn't always a result of challenging economic times, but if history is any teacher, the likelihood of layoffs increases. Positioning your finances to shield yourself against a potential job loss is essential. Along with having an emergency fund and working to pay down debt, mentioned earlier, it may be worthwhile trying to cut back on unnecessary expenses. Use more of what you have, cut back on purchasing things you don't need, and get creative by substituting the purchase of expensive items and activities with more inexpensive ones.   Look for ways to build skills to help with everyday life. Sometimes, with some vision and creativity, you can turn a misfortune into an opportunity. Building new skills may be able to help relieve the economic burden. This may be the time to learn skills that can assist with providing for daily needs. Activities like gardening when done effectively, can help reduce food costs, and skills like clothes making or mending can make your current clothes last longer plus cut down on the need to purchase new ones. You can also explore other skills like simple car repairs, simple plumbing, home repair, wood working, construction and more. Building skills in these areas could open doors for opportunities to help yourself and others in a time of need. Explore some resources like DIY books, YouTube channels, or online groups to get instructions and advice from experienced people covering all kinds of projects. Plus, becoming proficient in new skills can also open doors to potential future income streams that would help supplement your existing income.   In times of financial uncertainty, taking proactive steps to secure your financial situation can provide a sense of control and stability. By saving money, reducing debt, and reassessing investments, you can better prepare for potential challenges ahead. Remember, staying informed and making thoughtful decisions now can lead to a more secure financial future, no matter what comes your way.  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! 

Long flights are not a lot of fun, and many of us are tempted to sit in our seats until they are over, but we talk about the importance of getting up and moving around, especially when it comes to preventing blood clots. 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 channelMeggan and husband Peter's YouTubeDisclaimer - all episodes are our opinions/experiences, always do your research and make travel plans based on your budget and comfort levels.Support the show

Tip Tuesday, 2-4 Min Real Estate TipsThinking about ways to save on your monthly mortgage payments? This week, we're breaking down *rate buy downs*!   Here's what you'll learn:   What is a rate buy down?   How does it work?   Should you use it to make your home-buying journey more affordable?    Got questions about rate buy downs or how they can help you? Drop them below!    *Search Phoenix and surrounding area homes on our "good deals" page: Text GetPhoenixDeals to 480-508-9828    Connect with Carmen: Text ConnectWithCarmen to 480-508-9828   Connect with Ryan: Text ConnectWithRyan to 480-508-9828   #HomeBuyingTips #RateBuyDowns #MortgageHacks #PhoenixRealEstate #TipTuesday   Disclaimer: This is a pre-recorded video. The information provided in this video is for educational purposes only and not intended as specific advice. Please consult your attorney, CPA, real estate agent, or wealth manager for personalized guidance.

With cryptocurrency's increasing popularity, it's crucial to be aware of the prevalence of crypto scams. Cryptocurrency is a digital currency that uses cryptography to secure transactions. However, the rise of crypto has also led to a surge in scams. It's important to stay alert to spot these scams and avoid falling victim to them.    Links: Report any crypto scams you encounter to any or all of the agencies below: https://www.fbi.gov/contact-us https://reportfraud.ftc.gov/ https://www.cftc.gov/complaint https://www.sec.gov/submit-tip-or-complaint/tips-complaints-resources/report-suspected-securities-fraud-or-wrongdoing https://www.ic3.gov/Home/Index 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.      One important thing to note about cryptocurrency is the U.S. government does not back it. If your crypto account gets hacked or the company that provides storage for your wallet goes out of business, your money is gone. The government has no obligation to step in and help you get your money back. In comparison, U.S. dollars deposited into an FDIC or NCUA-insured account are safe. Those coverages insure deposits up to $250,000 in the event of a financial institution failure.    That said, it's important not to fall for a cryptocurrency scam. Here are some common scams and their warning signs. First, suppose someone you're considering doing business with only accepts cryptocurrency payments. That should be a red flag, especially if the company demands that you send the payment before receiving any product or service.    A common crypto scam is an investment scam. If someone asks you to invest in a new crypto coin that guarantees quick and significant returns, it's most likely a scam. Crypto investment scams can come in many forms. A scammer might pose as an investment manager promising to make you rich if you buy cryptocurrency and transfer it to their account. They might even create a fake website to trick you further. It's also known that scammers have tried to impersonate celebrities, offering to multiply any cryptocurrency you send them. Scammers will also go on dating apps to find their targets. They might seem interested in you, but it's a red flag if they start talking about crypto and try to get you to invest with them.    Rug pull scams are also very common with cryptocurrency. Rug pull scams are when investment scammers pump up a new NFT or coin to raise funds. Once they get the money that people invested, they disappear. The way these "investments" are coded prevents people from being able to sell or trade them, making them effectively worthless.   Another crypto scam is when fraudsters impersonate a business or the government. They might say they're from Amazon, EZ-Pass, or even your financial institution and claim that there's fraud on your account or your money is at risk. They'll say that to fix the issue, you have to send them crypto. Don't click links or respond to their messages; it is a scam.   One last crypto scam is blackmail. Scammers might contact you saying that they have compromising photos, videos, audio, or information about you. If you don't send them crypto, they'll send it all to your friends, family, place of work, and school. Don't do it and report it to the FBI immediately.    If you encounter a crypto scam, there are a few things you should and shouldn't do. First of all, don't engage with the scammer. Many of these scams are mass messages that the scammer sends out and are not explicitly targeted at you. Responding to the scammer lets them know you exist and can be targeted for their scam. What you should do is ignore the message. You can also report the fraud to multiple places, including the Federal Trade Commission, the Commodity Futures Trading Commission, the U.S. Securities and Exchange Commission, the Internet Crime Complaint Center, and the cryptocurrency exchange company you encountered the scam on. Links to all of these resources will be available in the show notes.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Tip Tuesday, 2-4 Min Real Estate TipsThinking about switching jobs while buying a home? In this episode, Carmen Johnson joins Ryan Gilliam from Your Best Mortgage to talk about how a job change during the mortgage process may or may not impact your qualification. They'll share tips to help you navigate this tricky situation. Whether you're in the middle of buying or just planning ahead, this episode is packed with must-know advice to keep your homebuying journey on track! Got questions about buying a home? Drop them below! #RealEstateTips #MortgageAdvice #HomeBuyingJourney #JobChange #TipTuesday Connect with Carmen: Text ConnectWithCarmen to 480-508-9828 Connect with Ryan: Text ConnectWithRyan to 480-508-9828 Search Phoenix and surrounding area homes on our "good deals" page: Text GetPhoenixDeals to 480-508-9828 This is a pre-recorded video. The information given in this video and or any of our videos is not intended to promote the buying and or selling or abstaining from buying and or selling of any real estate. The primary purpose of this podcast is to educate and inform on a very specific market. This information should not be construed as advice. Please consult your attorney, CPA, real estate agent, or wealth manager directly in regard to any specific sale, purchase, or financial decisions you make based on the information provided in our videos.

Managing personal finances can be daunting in today's fast-paced world. However, with the emergence of personal finance apps, individuals now have powerful tools to simplify and enhance their financial management. These apps transform financial habits and empower users to take control of their overall financial health. This tip will delve into the top benefits of using personal finance apps, shedding light on how they can put you in the driver's seat of your financial journey.   Links: Explore the benefits of Triangle's mobile app and online banking services with TCUGo Check out the useful benefits of personal finance tools like Goal Builder and Money Management 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.   Personal finance apps continue to rise in popularity as people grow more digitally savvy and tech expands in processing and functionality. Using a personal finance app can significantly improve your financial game by helping you overcome challenges, get organized, and stay on track to meet goals. A report from Future Data Stats states that 70% of users improved their financial habits and budgeting skills when they used a personal finance app.    The key to achieving financial independence is to build the skills of managing personal finances effectively. The hard part for many is determining where to start. That's where personal finance apps and tools come in. They provide a sophisticated, user-friendly way to conveniently set up and manage finances. If you're not currently using a personal finance app or tool, consider using one. Here are a few top benefits of using a personal finance app.     The first benefit is that personal finance apps allow users to manage their finances anytime, anywhere. It's hard to beat the convenience and flexibility of on-the-go financial management. They keep all your information within arm's reach and provide functions and tools like access to real-time financial data and integration with bank accounts and credit cards for seamless tracking. Explore your app store for common, highly rated apps to try out. Also, consider exploring your financial institution's mobile app, which provides many of the same tools at no added cost.    The second benefit is that these apps offer robust tools for budgeting and tracking expenses. Although some might still prefer using pen and paper, for most people today, this method is waning. Personal finance apps provide budgeting tools with the latest technology and sometimes even AI capabilities to keep you on track with budgeting and tracking expenses. They provide ways for you to categorize spending to help identify patterns and areas for improvement, they offer alerts and reminders for upcoming bills and due payments, and they can provide you with deeper insights into your spending habits to help you stay within your budget.   A third benefit is that personal finance apps can significantly enhance financial security and instill user confidence. Storing your banking information digitally, especially when linked to different platforms, can concern many. However, reputable apps have robust security measures to protect your personal information. These apps use encryption and other security measures to protect your financial data.  To sum up, to successfully accomplish financial goals, you need to build effective money management skills, and using a personal finance app is a great way to get started.    When it comes to financial management, choosing the right app based on your needs is critical. Explore your app store for different options, read reviews, and look through functionality to determine the best app for you. If you're a Triangle member, consider exploring the various tools within your online and mobile banking account, like Money Manager and Goal Builder, to organize budgets, pay down debt, and set 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 be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Jenn gives an update on her quest for the elusive travel deal! So, how do we recognize a deal? Tune in and see!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 channelMeggan and husband Peter's YouTubeDisclaimer - all episodes are our opinions/experiences, always do your research and make travel plans based on your budget and comfort levels.Support the show

Spring is finally here! With renewed energy and brighter, warmer days, you might be motivated to do spring cleaning. Of course, this time of year is a great time to organize, refresh, and clean around your home, but this season, take some time to do the same with your finances.   Links: Learn more about checking your credit score with the Better Checking Account app Set up automatic savings goals with the Goal Builder 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.    This season is an excellent time to do a lifestyle refresh, especially regarding your finances. For those feeling motivated to tackle a new project, channel that seasonal energy to review and reorganize your current financial situation for a few ways to save yourself some dough. Here are five ideas to help you spring-clean your finances this season.   Review your budget. Take some time to look closely at your expenses and income. Have you been spending more than anticipated? Do you need to tweak a few budget items to adjust for recent economic changes? Look through where you're spending money and re-allocate your budget if necessary. This responsible action puts you in charge of your financial decisions.   Check your credit report. Get a copy of your credit report from all bureaus. At the very least, get one copy, even from one bureau. Look over it. Check your score, lines of credit, and any changes or updates made over the last quarter. Reviewing your report is a great way to determine any changes you need to make to improve your score and to see if any past changes have impacted it. For those with a Triangle Better Checking account, you can access your credit score and report through the dedicated Better Checking app. If you haven't registered yet, check the link in the show notes on how to get started.   Automate savings. If you haven't been regularly transferring money into a savings account, take some time to set up automatic savings. It's easier than you think. Use tools like Triangle's Goal Builder within online and mobile banking to set goals that make building that savings account much easier. The tool automates saving a portion of income into a set category over time so you can set it and forget about it, giving you reassurance and confidence in your financial management. Consolidate debt. Look into all the existing rates on your car, home, credit cards, and more. If you think those rates you're currently paying are higher than you'd like, do some shopping around for lower rates. If you are in a good position to refinance or do some debt consolidation, take the opportunity to restructure your debts and free up some money.  Review subscriptions and memberships. If you're juggling a lot of subscriptions, take control. Note how much you're paying and whether or not you're using them. If you're paying for some that you're not using, now's a good time to cancel or downgrade your plan to a free tier if available.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day everyone! 

Tip Tuesday, 2-4 Min Real Estate TipsThink you need a huge down payment to buy a home? Think again! In this episode, Carmen Johnson joins Ryan Gilliam from Your Best Mortgage to debunk the most common misconception about down payments and share the truth about what's really required to purchase a home.

Today, overconsumption has grown pervasively in many of our lives. Or at least the temptation to overconsume. In this time of influencers, shopping hauls, and restocking videos, it's important to remember the effects that overconsumption can have on not only our lives but also the lives of others and, ultimately, the environment. If you're hoping to combat overconsumption habits in your own life, there are ways to recognize and bar yourself against the habit, leading to a more fulfilling and mindful lifestyle.   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.   What is overconsumption? Overconsumption happens when we buy more stuff than we need. If you're perpetually on the internet like I am, you've probably seen restock videos, unboxing videos, shopping hauls, and influencer must-haves. These are items that influencers, who have a large following on social media, often promote as essential or trendy, leading their followers to believe they need these items too. More often than not, these videos showcase extraordinary purchases to show off their collections or entice you to buy the item presented. They're almost always aesthetically pleasing and show off in carefully crafted ways to get viewers to picture themselves owning or using the item.    But this is all part of the vast overconsumption environment we're in.    You may know what I'm talking about, as some signs in your home may point to this phenomenon. An overflowing closet, overstuffed drawers, and piles of things littering the hallway are all examples of what can happen when we overbuy. Recognizing these signs is the first step towards a more mindful and sustainable lifestyle.    Some common signs of overconsumption are buying clothes you'll only wear once, wasting food because of overbuying, upgrading your phone too often, and using too much energy at home.    We're fortunate to live in a time when almost anything we want can be delivered to our doors within a couple of days. The convenience of online selling and delivery apps has given us many wonderful opportunities to live and build the lives we want, but they also give us more reasons to shop and spend.    Not to mention the barrage of advertisements on social apps, streaming services, influencer videos, and targeted emails constantly reminding us of that nifty new gadget, skincare product, or clothing item. Plus, payment options like 'Buy Now, Pay Later' (BNPL) have entered the arena, allowing even more people to purchase items they would otherwise have had to wait for or passed on altogether.    To better identify the effect of overconsumption on society, it's essential to recognize its dangers.    From an Individual perspective, overconsumption can negatively affect our finances due to increased spending on things that we either never use or use once and then discard. Not to mention, if you're one to stockpile, a buildup of items can lead to a cluttered living space, inhibiting our ability to feel at peace or relaxed in our homes.    The dangers of overconsumption affect not only you but also your environment. Overbuying can lead to greater waste and an increase in items sent to landfills. More trash can lead to more pollution, which affects our environment.   What's the best method of avoiding overconsumption? First, be honest with yourself and recognize if you're doing it. Then, pay attention to the signs in and around your home and your spending transactions to check your consumption habits.    It's also good to start being more mindful about why you're buying something in the first place.    You can also try an underconsumption challenge. You may have seen people online touting their own underconsumption journeys also known as “underconsumption core”. These are lifestyle changes where they focus on not buying more things than they'll use or need. Some examples you may see range from people using all existing skincare products before buying anything new, learning how to mend their own clothes instead of tossing used and buying new ones, or trying to make dinner from whatever is available in the fridge rather than running to the store for more ingredients or ordering out. For instance, you could try a 'no-buy month' where you commit to not purchasing any non-essential items for a month. Or, you could challenge yourself to use up all the food in your pantry before buying more groceries. Some of these ideas work as lifestyle habits; others might be fun to try as challenges. Reflect on your situation and determine whether you would benefit from some underconsumption habits to live a more sustainable life.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

We're all for new experiences while traveling, and that includes food, but sometimes you need to find some comfort food or grab something to eat that is quick and easy, which is why many of us head to chain restaurants like Subway and McDonalds!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 channelMeggan and husband Peter's YouTubeDisclaimer - all episodes are our opinions/experiences, always do your research and make travel plans based on your budget and comfort levels.Support the show

In today's media, it is impossible not to see an ad for the latest gambling service. If you don't already know, gambling is risking money or something of value on an event with an unknown outcome and can be done both online and in-person, on anything from slot machines to a sports game. While it may seem fun to win some money on something, gambling comes with a bunch of risks, and it's not just losing money.    Links: If you or someone you know might struggle with gambling visit https://www.nhproblemgambling.org/ for information and resources Explore psychology resources and therapy services on Psychology Today's website Explore Gamblers Anonymous website for resources and services Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.      If you decide to gamble, it is very important to gamble safely. Before you try your luck, consider setting some guidelines to stick to. Limit how much you want to gamble, and don't exceed that limit. If you have the unfortunate experience of losing all the money you set aside to gamble, walk away. Don't put any more money down to chase a win. If you decide to gamble, keep it in a social setting with supportive friends who can help you stick to your plan. Also, try to avoid excessive alcohol and drug use while gambling, as that might influence you to make rash decisions and gamble more.    While most people who have placed a bet have done so without problems, some have gone on to develop a gambling addiction.  The Diagnostic and Statistical Manual of Mental Disorders, 5th edition, which is a diagnostic tool published by the American Psychiatric Association, classifies gambling problems as an addictive disorder. Similarly to drugs and alcohol, a gambling addiction involves an increased tolerance that results in the feeling of gambling even more to feel satisfied. People with a gambling addiction who try to quit will go through similar withdrawal symptoms, such as an urge to gamble and irritability.     With unchecked gambling issues, it can quickly turn from a fun way to win or lose money to costing you a fortune, going into debt, mental health issues, and even bringing harm to your friends and family. The first part is obvious: the more you gamble, the more likely you will lose more and more money. Watching your finances go down the drain will impact your mental health. Often when this happens, a gambling addict will keep going back in an attempt to win their money back. This spiraling behavior can strain your loved ones, especially your family or people who might rely on you.    An estimated 0.4% to 2% of the world's population has a gambling addiction. You are more likely to develop a gambling addiction if you have any other addictions or have a psychiatric condition. For example, an estimated 4% of people treated for substance abuse also have a gambling addiction. A lower income is also linked to having a gambling addiction, as people are looking for a big win to give them a step up.    If you believe you may have a gambling problem or addiction, there are options to help you. Going to therapy is a significant first step. Many therapists are knowledgeable about gambling addictions and trained to help you overcome them. You can visit psychologytoday.com to find the right therapist for you. There are also support groups like Gamblers Anonymous, where you can talk to other people with gambling problems and share experiences.    Gambling can be fun, but it's risky. Please play responsibly.    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.

Your credit score is an important factor in your financial journey as it represents your potential risk of repaying your loans to lenders and creditors. Your credit score may also impact loan interest rates and term lengths which is why it's crucial to be aware of your credit score and any changes that may occur.  Links: Learn more about the benefits of a Better Checking account Access your better checking benefits through the Better Checking website Check out TCU University for financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  There are five factors to how your credit is scored – payment history, balances owed, age of credit, credit mix, and recent activity. Payment history and balances owed have the largest impact on your score.  Credit score ranges may vary based on the credit bureau's scoring model, however they are similar to:  300-579: Poor  580-669: Fair  670-739: Good  740-799: Very good  800-850: Excellent  The higher your credit score, the better rate you will get and the lower your payment will be. Your credit score can also influence your approval rate for many other things besides loans. It can determine if you get approved for a credit card and how much you get approved for. Property owners look at credit scores to decide who they want to rent to. Insurance premiums can also go up if your credit score is low.   Valuable Insights into Your Credit with Better Checking  Now that you know how your credit score works and why it matters, let's focus on some benefits you get with your Triangle Credit Union Better Checking account.  Credit Score Tracking  Receive valuable insights into your credit score and see your score plotted monthly in a chart so you can easily see your changes over time. Your credit score is analyzed with different factors by TransUnion—total of all account revolving balances, real estate information, oldest account, loan balances, recent account delinquencies, and derogatory payment status.   You can also receive monthly notifications right to your email to easily track your score.  Credit Report  Your personal credit report contains details about your financial behavior and identification information. Each credit reporting agency collects and organizes data about your credit history from your creditors and public records.   Reviewing your credit report allows you to check for mistakes or fraud and it's a good way for you to understand what lenders see when they check your credit history.  Credit File Monitoring  Credit File Monitoring consistently reviews your credit history in order to detect any key changes and verify the accuracy of what is reported.   With IDProtect, you have access to credit file monitoring – your credit report will be checked daily and you will be notified by email when key changes or important activity related to your credit report are detected, such as: credit inquiries, public records, delinquencies, negative information, employment changes, new accounts opened.   Alerts may also be sent directly to your mobile phone via text and can be set up on our dedicated Better Checking website.   In addition to credit score tracking and identity theft protection, your Triangle Credit Union Better Checking account also offers enhanced cell phone protection for up to four phones on your account—up to $400 per claim! Visit our checking account page to learn more and open an account today! 

We all want to save a little money, so take advantage of all the programs available to you! Sometimes your employer or credit card offers exclusive discounts for hotels, car rentals, tickets and more.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 channelMeggan and husband Peter's YouTubeDisclaimer - all episodes are our opinions/experiences, always do your research and make travel plans based on your budget and comfort levels.Support the show

What do you think has more impact on your financial decisions, your income or your mindset? Would you believe that how you view and think about money matters more than how much money you make? If you're striving for financial success and want some insight into how your thinking impacts your probability of building wealth, then I have a book for you!  Links: The Psychology of Money by Morgan Housel Check out TCU University for financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Financial education can come from so many places. Lessons can be learned through experience, observing the actions of others, formal education or exploring resources across the internet. For those who like to learn through reading, one financial book you should read is called The Psychology of Money by Morgan Housel.  I really enjoyed this book. I found it really easy to understand and relatable.  This book was written to explain away the notion that only highly intelligent people of great means can be successful and to make specific points on how mindset and behavior impact our ability to build and maintain wealth.   Originally written in 2018 as a short report, the content was later expanded on and published as a book. It's not a long read as Housel's choice was to make book of smaller, shorter points that someone would finish reading than one long one they wouldn't.  The book starts off with lessons from the lives of two men. One who was incredibly wealthy, loved to show it but eventually lost it, and another of a man who didn't appear wealthy but stunned everyone when he left multimillions in inheritance and endowments upon his death. One went broke, the other left a financial legacy. The question these two very different stories raise is “What made the difference in these two people's lives that led to such contrasting outcomes?”  Housel attempts to answer this question in his book when he states, “doing well with money has a little to do with how smart you are and a lot to do with how you behave.”  The goal for readers is that they'll apply the principles outlined in the book, to cultivate a healthier relationship with money, make more informed decisions, and ultimately achieve greater financial stability and peace of mind.  Throughout the book, Housel lists up to 20 points on how our psychology around money affects our behavior, but because I don't have time to go over them all, here are some of the notable points that stood out to me most:  In the book, he mentions how important it is to remember how the decisions people make with their money are tied to their individual experiences with the way the world works. Because those experiences vary widely, such as a child growing up in poverty versus another raised in luxury, the financial behaviors of one would seem completely foreign to the other.  Housel states, “what looks crazy to you might make sense to me. But no one is crazy – we all make decisions based on our own unique experiences that seem to make sense to us in a given moment.” I felt that this point is serves as a good reminder that there should be no expectation that everyone will have the exact same behavior around money, as they're not all influenced by the same experiences. We should be understanding enough to know that poor financial habits or decisions are not due to lack of intelligence, they are more simply due to someone acting on the way they've grown to understand the world.  He addresses what can happen when what you have is never enough. The subtitle to this point is when rich people do crazy things. The whole purpose of this point is to emphasize how important it is to know when you have enough, as greed can drive people to do crazy things, and, as he further illustrates, drive rich people to do crazier things. Housel shares stories of a few wealthy individuals, like Bernie Madoff, whose push to accumulate more wealth led to compromising decisions and ultimately jail sentences. I felt this point was a good reminder of how easy, and dangerous, it can be to fall into this mindset. It's important to recognize the impact and challenges having wealth can have on us like the added pressure from social comparisons, the moving of financial goalposts, and the temptation to take unethical risks in an effort to gain more money. Another point that stood out to me is his assertion that controlling your time is the highest dividend money pays, in other words, seek freedom. For many people, the desire to be wealthy is rooted in the desire to be happy. The book lists some scientific research showing that there's a strong correlation between someone's happiness and their ability to control their own life. He states, “more than your salary. More than the size of your house. More than the prestige of your job. Control over doing what you want, when you want, with the people that you want to, is the broadest variable that makes people happy.” The idea from this point is how important it is to make intentional decisions with your money; decisions that bring you closer to being able to enjoy this freedom. This type of freedom could be anything like having peace during an unexpected job loss, the ability to choose a new job with lower pay but with more flexible hours, or the ability to retire when you want and not when you have to. He shares, “You realize that aligning money towards a life that lets you do what you want, when you want, with who you want, where you want, for as long as you want, has incredible return.” I've chosen to apply this point as a personal ethos in my own life because I believe that investing in financial freedom enables a lifestyle that can sustain new opportunities and the true enjoyment of vocations.  As mentioned previously, there are so many more points in the book about building wealth like the importance of compounding yet how it can be confusing to implement, that others are not as impressed with our possessions as we might be and that real wealth is not always obvious and recognizable. If you're interested in checking them out, get the book. It's worth the read.   To sum it all up, I'll use a final quote from the book, "Financial success is not a hard science. It's a soft skill, where how you behave is more important than what you know." This perspective underscores the book's relevance, highlighting that our actions with money are often driven by emotions, biases, and personal experiences rather than purely rational calculations. By recognizing and addressing these psychological factors, you can better navigate your financial journey and achieve greater financial well-being.  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! 

Buying a car is a big deal. Unless you live in a walkable area, your car is likely the primary method of transportation used to get around. If so, you'll want something reliable as well as affordable. Many factors affect the price of vehicles from inflation, chip shortages, supply chain interruptions, and even the possibility of looming tariffs. At the time of this recording the average new car price is around $48,000 and with a price tag like that, it may be wise to make sure the next car you choose is reliable. But with so many cars to choose from, how do you know which is the best for you? Keep listening to learn what cars should be your next ride.  Links: Check out the Consumer Report for the Most Reliable Cars for 2025 Shop for a new car with Triangle's AutoSmart tool Learn more about Mechanical Repair Coverage 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 good place to start when looking for a reliable vehicle is Consumer Reports. Consumer Reports is a nonprofit organization that unbiasedly tests products with consumers in mind, to educate and inform potential buyers. For this particular report, they asked their members about the variety of car problems they encountered in the past 12 months. As a result, Consumer Reports gathered information on over 300,000 vehicles with model years ranging from 2000 to 2025.   They then looked at problem areas, from minor inconveniences such as squeaky brakes and broken interior trim to major problems like engine or transmission issues. Consumer Reports then used the results to score the reliability of vehicles in all the different areas, with the major problems being weighted more.  According to Consumer Reports' findings, the top 3 most reliable new car brands for 2025 are Subaru, Lexus, and Toyota. On the other side, the bottom 3 unreliable new car brands turned out to be GMC, Cadillac, and Rivian. For those looking to buy a used car, the top 3 most reliable brands are Lexus, Toyota, and Mazda. The bottom 3 unreliable brands are Dodge, Jeep, and Chrysler.   If you were considering getting an electric vehicle, Consumer Reports found that hybrids are the way to go. Results showed they are incredibly fuel efficient and just as reliable as gas powered cars. It was revealed that pure electric vehicles, on the other hand, have 42% more problems than gas-powered and hybrids and plug-in hybrids have 70% more problems than gas-powered and conventional hybrids. For those thinking of purchasing an electric vehicle it's important to consider how much driving you plan on doing. They don't have as far a range as gas-powered and hybrid vehicles, so make sure the infrastructure around you and wherever you plan to travel supports electric vehicles. Remember to check beforehand to see if there are any charging stations near you.  To explore more information and data on this particular report, visit consumerreports.org or check the link in the show notes.  Another great way to determine a car's reliability is to ask a trusted mechanic. They work constantly on cars and know which ones come in the most and what common issues are. Before buying a car, you can take it to a mechanic for an inspection. Similarly, ask friends and family what kind of car they drive, if they like it, and how dependable it is.  Okay, so what if you're considering a car that maybe wasn't on the Consumer Report's top reliable vehicle list. Maybe you've been eyeing that Jeep, Cadillac or Rivian for quite some time now? That's completely fine! Just do your research beforehand, talk to friends and mechanics to make sure you're fully aware of any long-term costs and maintenance associated with your vehicle. Another great way to make sure your car doesn't end up costing you more than you initially planned, is to consider getting Mechanical Repair Coverage, or MRC for short. MRC can help limit unexpected, covered repairs as your vehicle ages, potentially saving you thousands of dollars. Learn more about MRC and how to get it today at Triangle Credit Union. Visit trianglecu.org to check it out!  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.    

You want to find that perfect home, but how do you know where to start? The home-buying process can be tricky and confusing. That's why it's essential to understand the right things to consider before you begin the mortgage process.       Links: Find out how much you may qualify to borrow. Get a mortgage pre-approval now! Check out current mortgage rates and other special offers 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.     Buying a home is one of the most significant financial decisions ever. It's natural to have concerns and questions about the process, from finding the right house to securing a mortgage. Suppose you're ready for this journey but need help understanding where to start. Here are five things that you should consider before buying a house.    Affordability and Budget The first thing you'll want to know, and perhaps the most important, is how much house you can afford. Housing prices have climbed significantly in certain areas, and mortgage rates aren't as low as a few years ago.    The good news is that rates and prices fluctuate, so they can go down just as they went up.    Get a good idea of a monthly payment you can reasonably afford. One rule of thumb is that your yearly mortgage costs should be around 25% of your annual take-home pay. An affordable monthly payment provides a reasonable margin, so you're not spending too much on housing month over month. Calculate your annual household income, take 25% of that, and divide it by 12. You can then use that rough monthly payment calculation to determine the home price that best fits your budget.    Monthly payments are significant, but they're not the only cost you should know. Before shopping, consider other hidden costs, such as closing fees, property taxes, inspection fees, and the consistent, ongoing maintenance a house requires when calculating affordability. For instance, closing fees can include appraisal fees, title insurance, and attorney fees. Property taxes can vary depending on the property's location and value. Ongoing maintenance can consist of lawn care, repairs, and utilities.      Location and Neighborhood The next thing you'll want to consider is the location of your home.  What kind of neighborhood do you want to live in? What types of conveniences and local attractions would you like to be around? Are you one for solitary, remote locations, or do you like populated urban surroundings?    Explore the local spots and attractions to get an idea of the overall feel of the environment. Also, keep an eye out for planned developments in the area, as those can also affect property values.      Take into consideration any town amenities and services. Some towns provide trash pickup while others don't, which will become an additional expense to budget for. When researching potential buying locations, consider the cost of any further service you may need to pay out of pocket or find a location where those services are available through tax funding and other programs.    Property Condition and Inspection Another important factor to consider is the condition of the property. That home may have a low, attractive price, but it might need a new roof, a new furnace, or have some flooring issues.     First, take some time to ensure the house is structurally solid for safety. Have an inspector check on any plumbing issues, electrical issues, roof condition, etc., because issues involving maintenance and repairs all come with dollar signs. One positive thing to remember when inspecting the property is that sometimes, needed repairs provide an opportunity to negotiate pricing with the seller.    If there are things that need improving, consider whether you're equipped to fix them yourself or willing to pay a professional.  For some, buying a home that needs work is precisely what they're looking for.   Think about whether you're ready to put in some work and make some renovations or opt for a house that's more move-in ready. A clear idea of your intentions will help guide you toward the property you're most comfortable managing.     Understanding the Mortgage Approval Process Review your credit history, as it's a significant factor in determining how much you'll be able to borrow. Lenders use your credit report to determine your creditworthiness and as a benchmark of financial habits. If you recognize your credit isn't as healthy as it should be, think about improving it before applying for a mortgage.      Ensure you make all payments on time, do not max out credit cards, and maintain a healthy debt-to-credit ratio.   Once your credit is in good shape, take some time to get a mortgage pre-approval. Getting pre-approved is a great way to determine how much you can borrow and will provide a reasonable price range for your house hunt.   Loan Types A final thing to consider when buying a home is the mortgage type. There are a variety of mortgage loan types with different terms and rates. Some mortgage options have fixed rates, where the rate doesn't change throughout the life of the loan, while other types are adjustable-rate mortgages, where the rate adjusts periodically throughout the life of the loan. Finding the right loan type depends on how much you can afford for a monthly payment, the size of your downpayment, and how long you plan to be in the home.    If you're unsure what type of mortgage product will work best for your situation, talk to a Triangle Mortgage Loan Officer. They'll review all the aforementioned factors, ask you about your financial situation and goals, and listen to your overall expectations of being a homeowner. As mortgage professionals, they're also very aware of the housing environment and market and can guide you toward other little-known benefits and programs for which you might qualify. Visit trianglecu.org to learn more about Triangle's  mortgage products and contact one of our Mortgage Loan Officers.    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! 

It's important to make good financial decisions, especially as a young adult. If you set yourself up for success while you are younger, you'll thank yourself later in the future. If you're a young adult, here are some tips to get you started.  Links: Explore a variety of financial resources at mycreditunion.gov Learn more about Triangle's financial planning services Check out TCU University for financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about financial planning with Triangle's financial planning services  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.    The first tip we have is to avoid debt as much as you can. This tip might seem obvious, but it is still important. When purchasing something, try to use only your debit card or cash. There are pros and cons to using your credit card. Using a credit card will help you build up credit and many cards offer rewards for using them. However, if you do use your credit card, make sure to pay it off when it's due. Otherwise, you could go deeper into debt, especially if your credit card has a high interest rate.     If you are in college, or thinking about going to college, you need to be strategic about how you pay for it. Scholarships are a great way to lessen the cost of a college education.  Countless organizations, corporations and other entities provide a variety of scholarship options that can be awarded based on merit, need-based, hobbies, religion, ethnicity, and more. To be awarded a scholarship, look online and start applying to ones that you might qualify for and are likely to win. Another way you can save money on college tuition is through work-study programs. This allows students to have a part-time job related to their field of study, with the money going to pay off their tuition.   To make sure you set yourself up for success, you should create a budget. Budgeting involves you looking at your income and deciding where you want your money to go. For example, you will allocate a certain amount to food, housing, debt, savings, entertainment, and whatever else you spend money on. It may seem daunting at first, but when you know the exact amount you have to spend on something, it will make your life a lot easier in the long run.  Similarly, you should consider creating an emergency fund. This fund is money that you set aside in case of an emergency, like the loss of employment, housing displacement, or medical issues. It is typically a good idea to put away enough money to live off of for 6 months.   As a young adult, you should start saving up for retirement now. Consider setting up a Roth 401(k) or a Roth IRA, which allows you to save for your retirement, with no tax on the growth*. You can also see if the company you work for offers any retirement plans. Some companies will match part of how much you put in, which is free money for you.   Investing harnesses the power of compound interest, so the earlier you start saving, the greater your wealth will be when you are ready to retire. Keep in mind that as the amount grows over time you might be tempted to use some of that money. However, it should be noted that there are penalties for early withdrawals so thoroughly research the rules and tax implications regarding the withdrawal of any investment account funds.   Another great way to make good financial decisions is to educate yourself. Read books, listen to podcasts, and watch videos on how to handle your money. Google some of the top-rated financial books for young adults and check out other resources like the articles and tools at mycreditunion.gov. You can also check out triangle's financial literacy content at triangleuniversity.org for webinars, videos and articles that cover a variety of topics. Being educated in finance is a good way to better understand your own personal finances. That way, you can make the best financial decisions for you.  Finally, consider getting a financial planner. Financial professionals can take a deep dive into your finances and using their knowledge can set you up with a plan. If you are looking for a financial planner, Triangle Credit Union has the resources to help you find one. Check out the financial planning page at trianglecu.org for more information.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.    *PLEASE NOTE - investment references are for educational purposes only.   

Do you ever feel like there's too much happening in dentistry to keep your head on straight? Kiera talks about 4 ways you can stay up to date without being overwhelmed: Listen to podcasts Attend conferences Join a consulting group Find what you're passionate about Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00.554) Hello, Dental A Team listeners. This is Kiera and welcome to the podcast. I hope today is just a magical day for you. I hope that you're having just a great time and I hope that you just remember that we're in the greatest space possible. We get to be in dentistry. We get to help people. We get to literally help people have greater smiles and greater happiness in life. And I think that that is one of the most incredible things that we get to be a part of. So thank you for being a part of our family. Thank you for being on the podcast with us.   Thank you for listening in, get ready. We're gonna actually start to have a lot of you join us on the podcast. I have a new idea that's ready to trickle out and I hope you are excited for it. I wanna get to know more of you. I want to hear from more of you. So get ready, it's coming for you. Today is going to be kind of a funny topic. I thought it was funny. I have our team, they're super kind, our marketing team, shout out to them. They actually go and they read Facebook groups and they read.   different areas, they read a lot of dental information and they're constantly watching things and they listen for what you guys are emailing in on, which you could always email me a podcast topic. Hello@TheDentalATeam.com. I love to hear from you. love pen pals. and so our team, they go out and they scope and I read this one and I said, I don't want to podcast on that. and then I read through, they have a nice list for me of about seven pages of topics for me, which is super nice. And this topic was on there like,   It was here. And then I looked on the list and it was here again. And I thought, okay, fine. I will talk about a topic. And I hope that this is helpful for you. And the question is like how to stay updated on all the new dental technology and how to keep my team educated and up to date with the latest techniques and technology. And to me, this feels like a no brainer, but I realized this is obviously a question that you guys have. So let's answer it. All right. So welcome to the Dental A Team Podcast. I'm going to teach you how to do this, how we do it, how we help other offices do it.   And again, something that I thought was so just everyday knowledge isn't. So here we go. That's why we had the podcast. That's why we share. And if you love our podcast, please do me a solid favor, go like, review and share with somebody today. Okay, so ways that we were able to do this. Number one, you're doing a great job. You're listening to a podcast. So high five there. I try really hard to bring people to the industry that I've met, that I talk to, but it is tricky. And it's like, how do we know that these people are the best? So find somebody who's a trusted source.   Kiera Dent (02:19.774) within the industry that you can trust. I have prided myself for years that I started Dental A Team because of Midwestern students. Shout out to all my Midwestern students out there. I noticed that in dental school, they were gonna get freaking eaten alive coming out into the world of dentistry. And it's like, how do you trust different reps? Because people are so good at selling you on the latest technology and the latest this and the latest that, that it's kind of scary.   And so that was something that I wanted to do is to be a resource, to be a beacon, to help you know, these are people I've vetted. Just so you know, any sponsor I bring on, they have to work with us. They have to do different pieces. They have to let me beta test on them of other practices before I will even introduce them. So I have quite a few people in the back burner at all times that I'm testing, that I'm vetting, that I wanna make sure that they're getting results before I bring them onto the podcast. I got burned a little bit early on. And also if you listen to past podcasts,   that company might not stay the top of the list. I'm constantly looking for it and I tell offices like you might not get to be or sponsors. I will always be looking and if someone comes in better than you, they will get promoted from me. So I think that that's one zone. Like I've told Zeke at Swell, if anybody comes onto the market that's better doing Google reviews than him, I will definitely promote them. As of today,   Zeke is still the number one way that I get Google reviews for clients. They tell me all the time, Kiera, but we have it in this software, this software. I say, guess what? Zeke does it for, think like 149 or 199 a month. And I have offices who I literally beta tested on who got over 50 reviews in one month from using Swell. They have grown their practice from having like three new patients a month, I'm not joking, to having over 45 new patients a month by using Swell. People ask, how did you do it, Kiera? And I'm like, honestly, it was Google reviews and time. That's it.   And so for that, I will promote them. And so when you're curious about how do we find this up to date of new technologies, I think listening to podcasts and listening to trusted sources out there, like AI and different pieces, I also think going to conferences. So the way I actually meet a ton of our sponsors and speakers and different people are through conferences. I go to these conventions and I go meet people and then I go test their products and then I work with them and I figure out and I have a lot of our clients are beta testers for me and they'll try them out and I get free trials for them.   Kiera Dent (04:35.566) but going to your conferences in your areas, not only is great for a CE, but go meet people. And I know it can be annoying to be sold all the time, but it can be helpful. And so for example, like right now, the greatest AI on the market is between Overjet and Pearl. Those are the top two for adding AI onto your X-rays to help you co-diagnose, to helping you with that. They're the best on the market. I love Pearl. That's the one we've selected to go with. We have an affiliate relationship with them where I get the most preferred pricing for all of our clients.   So if you're interested in that, be sure to reach out. We can help you connect with them and get that discounted rate. But this is how we do it. Also, I think online, like watching reels as silly as that sounds, but there's a lot on Instagram and TikTok and things like that. But then questioning it as well of is this really real and what really is needed for my practice? So right now AI is hot. So let's be looking at AI and what things could we implement into our practice. And it's one of those things I don't like to be the earliest adopter, but I also don't want to be the person who never adopted and I actually got left behind.   So when we're looking for this new technology, we're looking for these new things, attending those pieces, watching it, and then doing our own individual research. Like you can email me anytime, hey Kiera, have you heard about this company? I love it when people do that. Cause one, you expose me to other companies and two, I'm able to then go research them, vet them, and then bring it to the podcast and share. Because my goal is within our community, within consulting, I love it. We bring our offices together. And this is actually how I also learn about a lot of things. And that would be my third point of like, join a consulting group.   I know I'm a consultant, so hopefully you want to choose the Dental A Team, but join a consulting group that brings people together, that shares. We bring our doctors together every single month, and then we meet in person actually twice a year. And it's because I want you to mastermind and I want you to talk to each other, and I want you to figure out what are the best ideas, what are the best resources, who are you using for this, who are you using for that? Because just hearing and talking with other people, it's like, my gosh, I didn't even know that. In our company, we call it Tip Tuesday.   And every Tuesday, our team member brings pieces to the tables. Like today, Shelby brought like a window cleaner. And it seems so silly, but I think back to community, right? Think back to back in the day when we didn't have technology and we weren't all connected virtually, we were connected in person. And when you're in person, you chat. And when you chat, you share your secrets and you share the best things that work for you. And so like Shelby sharing a glass cleaner that's $2.89 on Amazon, life-changing.   Kiera Dent (06:59.234) But without community and without chatting, that's something that I would have just gone on my merry way continuing to buy Windex that is the strongest being promoted product out there. And it sounds so silly, but it's tips like that. What are the little things you're doing in your practice? What are the elite practices doing? What are other offices doing? And let's all share. And it's not just the elite practices. It's a lot of startups. Startups are scrappy. They've got other resources. But like I talked to my gym trainer and we used to virtually coach. And then I went in person with her.   And instantly I'm connected to people for the podcast and people for social media and different people for whatever it is because I'm with her. And so getting together with a consulting group that meets in person or meets virtually that shares ideas, our community goes wild and it's incredible to see them all sharing, hey, what cosmetic group do you want to go to? Or, hey, what's a great resource for this? Or what's a great thing for that? But being a part of a group of community of trusted colleagues, I also think is a great way to stay on top of it. Now, how do we get our team educated on it?   I think that there's other ways like you can take them to courses. So look to see, I usually try to do things within our team that I want to learn. So let's say we wanna learn marketing. We're gonna take our team to marketing events. We're going to find coaches for marketing. We're gonna find events around it. If you wanna do cosmetic, let's do cosmetic. Let's bring it to the office. Again, that's why I love consulting is because we literally fly to the office and we show you guys what you can implement within your practice that can help with it. So finding those things, but...   Also on your leadership team, get them fired up. Hygenist will go and look for research and information and see E that's going to make them so excited and so fun that they're excited about with laser and PRF and PRP and what can we do for snoring and different pieces like that. But find what you're passionate about. And that's also another way, because I think sometimes we get so inundated with technology that we miss what we're actually passionate about. And so really helping you realize this can be fun. You don't have to be.   over the top and like, my gosh, I'm missing out on all of this. I would say in a simple form of number one, plan to go to at least one dental convention every single year. I don't care what it is. I don't care where you go. I don't care if wanna travel out of state, but that's gonna be your best way to bring those people in because those conferences are constantly looking for sponsors and people and a lot of the newer companies, a lot of the OG companies.   Kiera Dent (09:13.528) they tend to attend these conferences. If you're not in a big area where maybe a lot of people won't come to it, go to some of the bigger ones like RMDC in Colorado, Chicago Midwinter, Dicama. Some of these are really big ones that will bring more people in for you. And you don't have to even go for the CE. Just go walk the vendor halls, go see who this is there, and then go do some research on it. Next would be, would say, listen to podcasts and attend free webinars. Our company puts on the third Thursday of every single month, we do a free CE webinar.   And I do that intentionally to bring great people to the audience, to share with you other people that are out there, to get all these different pieces of technology and sponsors and vendors and different things that will make your office easier, attend those. So I would pick once a year, go to a conference every month, find some sort of CE, whether it's a book, whether it's a webinar or something that's going to get you educated. And then the third thing I would say is to join a group, a consulting group, because honestly, that's where it's the networking, it's the community, it's sharing.   that you're going to learn all these different pieces. It's too hard to do it on your own. And so find someone. And of course, I would love Dental A Team to be your preferred consultant. I'd love us to help take you to the next level. I'd love to expose you and your team. We have virtual, we have in-person and we have in-person events and we have in-office visits as well where we come to your practice and we also meet together as a community, as a collective group. We do it on Friday and Saturday. It's really fun. It's really exciting. And it's a really great time to just connect to   to share and I think that you doing those items, you will stay up to date. There's no way you can't stay up to date as long as the consultant is innovative. And of course, I'm going to like toot my own horn. We're one of the youngest consulting companies out there. I'm nervous for us to become an older one, but I've tried really hard to keep myself young. Being a millennial, I'm very tech savvy. I'm very aggressive on research and knowledge and innovating and implementing ideas because I know that if we don't, be dated very quickly. And so,   also finding someone who is maybe a little bit younger on that. Like I look for social people that are in their twenties because they're going to innovate even better than I will. And so those would be some of my suggestions of how you can stay up to date, how you can stay current, how you can make sure that you're gathering all these research, these resources, and then realize I'm not going to catch them all, but I'm going to focus on the ones that turn my practice to ease efficiency in the areas I want. And that's what I'm going to do. And I guarantee you, if you do that, you will be so happy. So   Kiera Dent (11:36.386) Hopefully those gave you some ideas. Like I said, this was a topic that I thought everybody already knew, but in digging into it, I realized this can feel daunting and it can feel like I'm always behind, but I think breaking it down to your annual, your monthly, and then also joining a group. Again, like I said, I'd love you to be a part of it. I think those three things will keep you current and will keep your team current as well. And as always, if we can help you reach out, Hello@TheDentalATeam.com You guys are incredible. We're doing an incredible work. There's amazing things coming into dentistry. And I would say do not get left behind.   but stay current. And then I guess my fourth final tip for you would be commit to implementing at least one item of new technology every single year. And I think if you do those items, you will always stay up to date. I'm happy to share a ton of our resources. So reach out, Hello@TheDentalATeam.com And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.