Perfect Cents Podcast: Recent Episodes
SAFE Credit Union
Join the SAFE Community Relations team on a journey towards financial wellness and meaningful community involvement. The Perfect Cents Podcast, presented by SAFE Credit Union is a program designed to empower each listener to take control of their financial situation and become a greater force for good in their community. Episodes will feature recurring segments along with occasional guests from around the Greater Sacramento region. Guests will include SAFE Credit Union colleagues, industry experts, business leaders and non-profit champions.
SAFE is a not-for-profit, cooperative state-chartered credit union based in Folsom, CA. Our mission is to help members improve their financial well-being, to provide excellent service and to ensure a financially sound credit union.
On this episode of the podcast, Alex Becerra is joined by Home Loan Manager, Casey Jenkins, to talk about all things Home Equity. Together they discuss various ways for you to leverage the equity in your home to enhance your financial wellness, the main differences between Home Equity Loans and Home Equity Lines of Credit (HELOCs,) and the most common uses for Home Equity funds. They also provide useful insights on how to determine if a Home Equity Loan or HELOC is the right choice for you… Because strategically utilizing your Home Equity to build financial freedom just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
SAFE Credit Union | How A HELOC Can Help You Build Financial Freedom
SAFE Credit Union | Revitalize Your Home with an Intro HELOC Rate
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra and Lauryn Gray are talking about the concept of Financial Resilience. Together they discuss the importance of making your dollar stretch when faced with challenging circumstances. They also provide helpful tips on budgeting for a family, making healthy choices for your life and your wallet, and adapting to hard times… Because making your money work for you and being prepared for life’s unexpected moments just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra and Cristian Amaral are talking about the concept of Financial Capability. Together they discuss the importance of learning the “rules” of personal finance, building better money habits, and investing for the future. They also provide helpful insights about automating savings and practicing forced scarcity to strengthen your budget skills. Because capitalizing on your opportunities to make sound financial decisions and setting yourself up for future success just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra and Savannah Brown are talking all about setting and achieving financial wellness goals. Together they define SMART Goals and discuss the importance of establishing timelines for short, mid, and long-term goals. They also provide useful tips to help you track your goal progress, prioritize your goals, and explore different ways to make your savings grow… Because being proactive and setting smart goals to help you build financial freedom just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
SAFE Credit Union | SMART Goal Worksheet
SAFE Credit Union | Debt Pay Down Methods
SAFE Credit Union | Financial Habits Reflection
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra and Miriam Dougherty have an in-depth conversation about building Spending & Savings Plans. Together they discuss the importance of understanding your current financial situation, gathering data to make informed discoveries about your income and expenses, identifying which areas you can adjust or improve, and setting SMART goals. They also provide inspiration and encouragement to help YOU create an action plan to take the next step on your path to better money management… Because building a strong spending and savings plan to achieve your financial goals just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
America Saves | 6 Steps to Establishing A Spending & Savings Plan
United States Office of Financial Readiness | Spending Plan Worksheet
SAFE Credit Union | Financial Habits Reflection
SAFE Credit Union | Weekly Grocery Budget
Mindtools | SMART Goals: How to Make Your Goals Achievable
nerdwallet | How to Choose the Right Budget System: 4 Methods to Consider
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra and Miriam Dougherty share helpful tips and tricks for talking about personal finances with family and friends. Together they discuss the importance of having open and honest conversations about money, taking a proactive approach to managing money with others, and common money topics that impact relationships. They also provide inspiration and encouragement to help YOU navigate positive and productive conversations that can help you reach your financial wellness goals… Because speaking with friends and family about finances just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Savannah Brown welcomes Kue Lee from the State of CA, Department of Financial Protection and Innovation (DFPI.) Together they discuss the importance of protecting your personal information, avoiding financial scams, and the impact of identity theft on consumers. They also provide insights on the most common frauds and scams and share tips on what you can do to avoid becoming a victim… Because taking proactive to steps protect yourself against fraudsters and scams just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
CA Department of Financial Protection and Innovation
CA Department of Financial Protection and Innovation | Events
CA Department of Financial Protection and Innovation | Learn
CA Department of Financial Protection and Innovation | Newsletter
CA Department of Financial Protection and Innovation | Crypto Scam Tracker
CA Department of Financial Protection and Innovation | Submit A Complaint
Federal Trade Commission | Report Fraud
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this two-part episode of the Perfect Cents Podcast, Savannah Brown and Alex Becerra welcome Susan Stewart, business owner at Strapping Store and Licked Ice Cream in Sacramento, as well as Shannon Robb, VP of Strategic Partnerships at ChooseFolsom. Together they discuss the importance of supporting local businesses, the impact on our region’s economy, and how small businesses contribute to the enrichment of our community. They also share unique ideas for gift-giving and sharing fun experiences with loved ones during the holiday season. Finally, they shout out a few of their own favorite businesses in and around the Greater Sacramento region… Because shopping local on small business Saturday and all throughout the year just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
Choose Folsom
Big Apple Bagels
MTT Collective
Snook's Chocolate Factory
Handley's Western Wear
Back Bistro
Palladio 16
Zen Day Spa
Cantina Pedregal
To contact Shannon Robb at ChooseFolsom, email: shannonr@choosefolsom.com
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this two-part episode of the Perfect Cents Podcast, Savannah Brown and Alex Becerra welcome Susan Stewart, business owner at Strapping Store and Licked Ice Cream in Sacramento, as well as Shannon Robb, VP of Strategic Partnerships at ChooseFolsom. Together they discuss the importance of supporting local businesses, the impact on our region’s economy, and how small businesses contribute to the enrichment of our community. They also share unique ideas for gift-giving and sharing fun experiences with loved ones during the holiday season. Finally, they shout out a few of their own favorite businesses in and around the Greater Sacramento region… Because shopping local on small business Saturday and all throughout the year just makes Perfect Cents!
To check out the resources highlighted in this episode visit the links below.
Strapping
Licked
The Kitchen Table
Marie's Donuts
Pancake Circus
Evangeline's Costume Mansion
Downtown Sacramento Ice Rink
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Savannah Brown and Miriam Dougherty tackle the topic of Financial Avoidance! This common money behavior often holds people back from taking control of their finances and achieving their financial goals. During the discussion, Savannah and Miriam highlight specific traits that can be used to identify Financial Avoidance, such as not checking bank statements, ignoring bills, allowing unopened mail to pile up, and not creating a plan to address financial challenges. They also share helpful tips and tricks for overcoming fear, managing stress, dealing with emotions, and breaking negative habits by developing positive routines. Tune in today and get inspired to own your financial wellness goals… Because understanding and increasing awareness of your past, present, and future financial behaviors just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra & Savannah Brown welcome SAFE Credit Union's 2024 High School Interns! It’s summertime which means it’s time for our interns to take over the Perfect Cents Podcast. Join these amazing students as they discuss the importance of learning financial education fundamentals, credit basics, and valuable skills that young people can gain by participating in an internship program. Tune in and enjoy this conversation with Sacramento’s best & brightest students… because actively supporting the personal and professional development of young adults in your community just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
SAFE Credit Union - Refer Your Friend
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra & Hector Madueno welcome SAFE’s professional experts, Lawrence Lomeli and Kevin Hagedon to discuss what it’s like to purchase a car in 2024. Together they share helpful considerations, tips, and tricks to help consumers navigate their next car buying experience with knowledge and confidence. Topics include dealer inventory, pricing, loan preapprovals, trade-in values, warranties, protection products, and the importance of partnering with your local Credit Union to get the best deal and most value out of your next automobile. Join us for an insightful discussion and get all the tools you need to make your next car purchase the best one yet... because knowing your stuff and having peace of mind when shopping for a vehicle just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
CUDL AutoSMART | SAFE Credit Union
Kelley Blue Book
CARFAX
Vehicle Protection & Insurance | SAFE Credit Union
Auto Loans | SAFE Credit Union
Financial Calculators | SAFE Credit Union
SAFE Credit Union - Refer Your Friend
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra & Miriam Dougherty share the best financial advice they ever received from their moms. Together they discuss the importance of responsibly managing credit cards and how to take full advantage of promotions & rewards. They also talk about the benefits of having an organized money management system, keeping track of all your bills, and making payments on time. Tune in today and listen to the podcast team share valuable insights and helpful tips... because reflecting on the lessons you've learned from the amazing moms in your life just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
SAFE Credit Union - Refer Your Friend
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Alex Becerra & Hector Madueno talk about the Credit Union Difference and the various, unique ways SAFE Credit Union embodies the philosophy of “People Helping People.” Throughout the episode they discuss SAFE’s Financial Capability Month and Building CommYOUnity Month campaigns while spotlighting the work that is being done to advance financial education opportunities and community impact efforts for community members across the Sacramento region. Tune in and get the inspiration you need to create lasting positive impact in your community... because embracing the Credit Union philosophy of people helping people just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
CBS News / Good Day Sacramento | Rebuilding Together Sacramento (nonprofit)
SAFE Credit Union - Refer Your Friend
To access Financial Capability Month resources visit: https://www.safecu.org/community/financial-education#financial-guides
To learn more about SAFE's Community Impact work visit: https://www.safecu.org/community/community-impact
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To contact the podcast team, email Podcast@safecu.org
On this episode of the podcast, Hector Madueno and Miriam Dougherty welcome Sallie Mae’s Director of Relationship Management, Jeff Lackey, to discuss the importance of the FAFSA for new college students. Together they provide helpful insights into the process of completing the FAFSA, various types of financial aid students may qualify for, and much more! Tune in and learn how to set your future college student up for success as they continue their journey of pursuing higher education... because understanding the different ways you can pay for a college education just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Federal Student Aid - FAFSA
Sallie Mae
Sallie Mae - How America Pays for College
California Student Aid Commission
SAFE Credit Union - Student Loans
SAFE Credit Union - Scholarships
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the podcast, Alex and Miriam welcome SAFE Credit Union’s Senior Insurance Specialist, Lisa Lomeli to discuss the importance of loan insurance and payment protection products. Together, they share valuable insights into various types of loan insurance including GAP (Guaranteed Asset Protection,) MBI (Mechanical Breakdown Insurance,) SAFE Payment Protection and more! They also share true stories that highlight the real-world benefits of protecting your loans, as well as, your credit standing and overall financial wellness. Tune in today and learn how to protect your loans, assets, and finances by utilizing loan insurance... because strategically using loan insurance products to ensure your financial wellness and give you extra peace of mind, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below. Insurance You May Not Know You Need | SAFE Credit Union Beyond Every Day Banking Blog
SAFE Credit Union | Insurance and Protection Options
SAFE Credit Union Insurance and Protection HOTLINE: (916) 971-8764
Investopedia | Is Loan Protection Insurance Right for You?
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the podcast, Savannah and Alex discuss 5 tips for improving your credit in 2024. Together they discuss the importance of narrowing down your specific credit goals, understanding your complete financial picture, digging deep into your annual credit report, and more! Tune in today and get the inspiration YOU need to finally achieve your good credit goals... because following these 5 tips to build healthy credit habits just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
The 5 Factors of Credit | SAFE Credit Union Beyond Everyday Banking Blog
AnnualCreditReport.com
CreditKarma
Equifax
Experian
TransUnion
Debt Snowball vs. Debt Avalanche
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the podcast, Alex, Brit, Savannah, and Miriam share last-minute holiday spending tips submitted by fellow SAFE Credit Union employees. During the discussion they mention creative strategies for reducing spending, responsibly utilizing credit cards, deciding between wants vs. needs, alternative gift giving ideas, and much more! They also share insightful data around common holiday shopping trends, increases in gift-giving costs, and consumer spending habits. Tune in and get the support you need to cross those last-minute gifts off your checklist... because enjoying the festivities of the holiday season without the stress of overspending just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Bankrate.com | How to do Holiday Shopping on a Budget
Bankrate.com | Americans to Slash Holiday Budgets due to Inflation
Bankrate.com | After an Expensive 2023, 52% of Americans are Staying Home for the Holidays
SAFE Credit Union - 12-Month Certificate Special
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
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On this episode of the podcast, Alex and Savannah talk about increasingly popular specialty savings accounts - specifically, FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts.) Together they discuss the benefits of taking advantage of specialty savings accounts, the importance of fully understanding your employer benefits, helpful tips for getting the most out of your benefits offerings, preparing for your next open enrollment period and much more! Tune in and discover new ways to help YOU stretch your dollar further, cover your most essential needs, and ensure your future self is set up for continued success!.. because maximizing your health benefits to enhance your financial wellness just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
FSA Store
HSA Store
National Institutes of Health | The Difference Between a Flexible Spending Account (FSA) and a Health Savings Account (HSA)
Investopedia | Health Savings vs. Flexible Spending Account: What's the Difference
HealthEquity | HSA vs FSA: Which Account is Right for Me?
FSA Store | Does my FSA Have a Grace Period or Rollover?
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the podcast, Alex once again welcomes SAFE Credit Union's Certified Financial Educator, Miriam Dougherty, to discuss the strong connections between money and relationships. Together they provide insights on the importance of discussing money matters with your significant other, helpful tips for having financial conversations at ALL stages of a relationship, statistical data about the impact of financial stress on relationships, setting common goals, and more! Whether you are in a long-term relationship, newly married, or are navigating a new relationship, this episode offers valuable insights to help you and your partner have effective and productive conversations about money... because talking about finances to strengthen your relationship and achieve your mutual goals, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Fidelity - 2021 Couples & Money Study
BBC - The 'Financial Infidelity' That Can Sink Couples
The Knot - The Money-Related Questions to Ask When Dating
Investopedia - Financial Infidelity: When Couples Lie to Each Other About Money
Wealthspire - Domestic Partnership vs. Marriage: Financial Considerations
SAFE Credit Union - Refer Your Friend
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the podcast, Alex and Brit are joined once again by SAFE Financial Educators Miriam Dougherty and Savannah Brown. Together the podcast team discusses recent updates on the status of the Biden Administration’s student loan forgiveness efforts, student loan repayments, and programs that may assist graduates with navigating the shift to upcoming Student Loan payments. They also highlight useful tips for shifting your budget to make room for continuing payments while encouraging you to seek out nonprofit community organizations, Alumni associations, and other resources to help with essential goods and services. Tune in today and get the inspiration you need to tackle your student loans because realizing that YOU can payoff your student debt... just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Federal Student Aid (FSA) - Federal Student Loan Debt Relief
Federal Student Aid (FSA) - Loan Simulator
Her Money - Your Student Loan FAQ Answered, with Tara Siegel Bernard (Article)
Her Money with Jean Chatzky - All Of Your Student Loans Questions Answered with Tara Siegel Bernard (Apple Podcasts)
Her Money with Jean Chatzky - All Of Your Student Loans Questions Answered with Tara Siegel Bernard (Spotify)
NPR - 12 Things Student Loan Borrowers Should Know About The Return To Repayment
Forbes - 6 Student Loan Forgiveness And Repayment Updates As Interest Starts Accruing
ShopSavvy
Sacramento Food Bank & Family Services
Placer Food Bank
Elk Grove Food Bank
Fair Oaks-Orangevale Food Bank
Rancho Cordova Food Locker
Yolo Food Bank
Sacramento Public Library
Placer County Library
Yolo County Library
Libby
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
September is Building CommYOUnity Month at SAFE Credit Union and the podcast team is celebrating with a nonprofit spotlight! On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Amber Stott from Food Literacy Center, a Sacramento-based nonprofit. The mission of Food Literacy Center is to, "inspire kids to eat their vegetables" by teaching children in low-income elementary schools cooking, nutrition, gardening, and active play to improve our health, environment, and economy. Together, they discuss the amazing work that Food Literacy Center is doing in honor of Food Literacy Month, the positive impacts of enriching the lives of local youth and their families through healthy eating programs, and the uplifting power of community partnerships. There's simply no time like the present to get more involved in your community so tune in today to find out how you can support. Because eating your vegetables... just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Food Literacy Center
Food Literacy Month (September 1-30, 2023)
Oak Park Farmer's Market
Oak Park Farmers Market relaunches with $500,000 grant under new nonprofit (ABC10)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Attention! The interns have taken over! On this episode of the Perfect Cents Podcast, SAFE's 2023 High School Interns are in the hosting seat and turning the tables on the podcast team. Tune in as the students take turns interviewing Alex, Brit, and Savannah about SAFE's Community Impact projects, financial advice for high school Seniors, the keys to professional success, and so much more! It's a discussion that ranges from humorous and light-hearted to thoughtful and poignant - all the while showcasing an amazing group of students and their experience participating in SAFE Credit Union's 2023 Summer Internship program, because working together to uplift the future leaders of tomorrow... just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Interns Paint Classrooms, Sort Donations for Single Mom Strong
2023 SAFE Credit Union Interns (Instagram)
Cordova High School Business Technology Academy - SAFE Credit Union, an Official Partner
SAFE Credit Union, Securing Our Community's Future Through Education (Comstock's Magazine)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Brit and Alex welcome two of SAFE's best and brightest Professional Experts (Dominic Davenport and Louis Mariner) to discuss the positive impact of having Money Conversations with Kids. Tune in as they share valuable insights and ideas to help YOU share the gift of financial wellness with the youngsters in your life. Together, they discuss some of the biggest challenges in helping kids create smart money habits, financial lessons they wished they had learned earlier in their lives, and strategies for piquing a kid's interest for responsible spending, saving, and managing money. Because preparing the children to achieve financial wellness tomorrow... just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
nelly and fitz (Instagram)
Up | Carl & Ellie Fredericksen (YouTube)
HISO SAC
Il Pizzaiolo
Taylor's (yelp)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
To learn more about SAFE Financial Services (financial advisors, wealth management, and financial planning) visit: https://www.safecu.org/wealth-management
Season 5 has arrived!
On this episode of the Perfect Cents Podcast, Alex, Brit, Miriam and Savannah share candid updates on their individual debt payoff challenges and discuss the changing life circumstances that have influenced their overall debt profiles. Then, the podcast team dives into a conversation about enjoying Summer on a budget. Listen as our hosts highlight tips, tricks, and thoughtful considerations to help YOU save money during these hot weather days. Tune in and get ready to spend the rest of the season staying cool without burning your money because... making a plan to save money during the Summer just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Nerd Wallet - Pay Off Debt: Tools & Tips
Principal - 3 Ways to Pay Off Your Debt
SMUD - Energy Savings Tips
AllTrails
SAFE Credit Union, Beyond Everyday Banking Blog - The 5 Factors of Credit
Perfect Cents Podcast - Invest in the Planet, Earth Day 2022 (featuring SMUD)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and serv ices visit: https://www.safecu.org/
On the Season 4 finale of the Perfect Cents Podcast, Alex & Brit welcome Jazmine Chatman, Joseph Mayeux, and LaTroya Johnson from SAFE's Black@SAFE (B@S) Employee Resource Group to recognize the importance of Juneteenth, which became a federal holiday in 2021. Throughout the episode, they chat about the significance of Juneteenth, what the holiday means to them, how SAFE supports Diversity, Equity, Inclusion, and Belonging initiatives within the organization, and so much more! Join us as we send off the fourth season of the podcast with a humbling conversation about what it means to create a stronger sense of community, connection, and understanding amongst all groups of people while honoring and celebrating Juneteenth as a monumental celebration of American freedom, marking the official end of African American slavery in 1865... because getting curious and learning more about Juneteenth, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Louisiana Heaven Restaurant
Q1227 Restaurant
Zach and Zoe Sweet Bee Farm
Mary and Berries Beauty
ROYAL Dancers
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
May is Mental Health Awareness Month! Join Alex & Brit as they sit down with SAFE's Chief Human Resources Officer, Colleen Nerius to discuss the various connections between mental health and financial wellness. Throughout the discussion they uncover the impacts of financial stress on one's overall wellness, how that affects their productivity in the workplace, and different ways people can find support to help them through times of financial stress. They also share about the proactive ways SAFE supports its own employees through financial wellness resources and benefits, SAFE's wellness committee and its EAP (Employee Assistance Program.) Finally, Colleen shouts out a few of her favorite local restaurants and business in the Sacramento region.
To check out some of the resources highlighted in this episode visit the links below.
Purdue Today | Mental well-being inherently connected to financial wellness
American Psychological Association | Speaking of Psychology: The stress of money, with Linda Gallo, PhD
ForbesWomen | How Financial Stress Impacts Your Health
Financial Health Network | Financial Health Pulse 2022 U.S. Trends Report
Mas Taco (Sacramento)
Mehfil Indian Restaurant (Roseville
Ginger Elizabeth Chocolates (Sacramento)
Insight Veterinary Wellness Center (El Dorado Hills)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Big Day of Giving is here once again and the Perfect Cents Podcast team is celebrating by sharing the love with several amazing nonprofits serving our community. Join Alex & Brit as they spotlight ten nonprofits that SAFE will be supporting for Big Day of Giving 2023. Listen as our co-hosts are joined by guests from The Gathering Inn, Single Mom Strong, Shriners Children's of Northern California, PRIDE Industries, Health Education Council, Habitat for Humanity, and All About Hope who share inspiring stories of the work they are doing to support communities throughout the Greater Sacramento region. Additionally, Alex & Brit provide information about the other wonderful nonprofits that SAFE is supporting this year, RRUFF Healing Heroes, Sacramento Lavender Library, and Her Health First.
It's a nonprofit celebration and we encourage you to pull out your wallet and give to one or more local nonprofits... because supporting charitable causes that are near and dear to your heart, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Big Day of Giving
The Gathering Inn
Single Mom Strong
Shriners Children's Northern California
PRIDE Industries | The Michael Ziegler PRIDE Industries Foundation
PRIDE Industries | I AM ABLE Helpline / (844) 426-2253
Health Education Council
Habitat for Humanity of Greater Sacramento
All About Hope
RRUFF Healing Heroes
Sacramento Lavender Library
Her Health First
Beyond Everyday Banking Blog (SAFE) | Show Your Generosity For BDOG 2023!
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast Alex & Brit welcome the owners of Of Land & Sea Co. to discuss the various ways YOU can go green this Earth Day! During their conversation they chat about the benefits of shopping at a local refill store and the positive environmental impacts of choosing Earth-friendly swaps, while debunking some common misconceptions about the true cost of investing in sustainability. Tune in and join us for this special Earth Day celebration... because saving money while doing your part to save our planet just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Of Land & Sea Co. (Sacramento)
KC Kombucha (Sacramento)
East Village Bookshop (Sacramento)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast Alex & Brit welcome Sarah Soteroff from Too Good To Go to discuss the various ways YOU can go green by reducing food waste this Earth Day! During their conversation they chat about the positive impacts of eliminating unnecessary food waste and the innovative concept of the Too Good To Go app, while debunking some common misconceptions about the true cost of investing in sustainability. Tune in and join us for this special Earth Day celebration... because saving money while doing your part to save our planet just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Too Good To Go
Greenhouse Juice Co. (Toronto)
Summerhill Market (Toronto)
Eataly (Toronto)
Ginger Elizabeth Chocolates (Sacramento)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
April is Financial Literacy Month and the Perfect Cents Podcast team is here to highlight all the exciting things SAFE Credit Union is doing to celebrate! Join Alex, Brit, Miriam and Savannah as they share progress updates on their individual debt payoff journies and discuss the many ways SAFE is increasing access to Financial Education for our entire community. Whether YOU are attending one of our newly updated webinars, reading our financial education blogs, or cheering on the official launch of SAFE's Budget Cents program for High School students in the Greater Sacramento region, there are so many ways to get involved... because sharing the gift of financial literacy just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Investopedia | Financial Literacy: What It Is, and Why It Is So Important
KCRA 3 | Bill would require California high school students to take personal finance class
California Department of Education | State Funds for Financial Literacy and Funds to Train 1000 Teachers
Beyond Everyday Banking Blog (SAFE) | Why We Celebrate Financial Literacy Month
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit sit down with Hannah Berkowitz from zogo, a fun and exciting mobile app that provides on-demand learning modules with a focus on financial education topics. Together they chat about SAFE's recent partnership with zogo, the benefits of having financial education at your fingertips, and how YOU can start earning pineapples today! Hannah also shows some love to her favorite local businesses in Austin, TX. Be sure to check out the app, use access code PODCAST, and take the next step towards improving your financial wellness today... because using zogo to learn and earn just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
zogo (Use access code: PODCAST)
Terry Black's Barbecue
Whisler's
Latchkey
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, co-hosts Alex & Brit sit down with SAFE Credit Union's first female CEO & President, Faye Nabhani in celebration of Women's History Month. Throughout the discussion they chat about Faye's lifelong credit union journey, the importance of building financial freedom and the lasting positive impacts of mentorship. Faye also shares her passion for supporting STEM Education programs and provides a few words of inspiration to empower fellow women in the workplace.
To check out some of the resources highlighted in this episode visit the links below.
Artfully Rooted Marketplace (Folsom)
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Alex & Brit for Episode 5 as they welcome Sylvia Garcia (Real Estate Processing Manager at SAFE Credit Union) to talk about Saving At Any Age. Throughout the episode they highlight the importance of starting your savings journey as early as possible and provide valuable insights about the impact different seasons of your life will have on how you save and what you're saving for... because saving at any age just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
For more information about America Saves Week visit: https://americasavesweek.org/
Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week
Yelp - Pasta Bella Ristorante (Martinez)
SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Jointhe Perfect Cents Podcast team for Episode 4 as they sit down to discuss how Paying Down Debt Is Saving. Throughout the episode they share updates on their 2023 debt payoff goals and provide valuable insights about the cost of paying interest and the short & long-term benefits of paying down debt to increase your cash flow... because paying down your debt to boost your savings just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
For more information about America Saves Week visit: https://americasavesweek.org/
Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week
Beyond Everyday Banking Blog: The 5 Factors of Credit
Nerd Wallet - Pay Off Debt: Tools & Tips
Principal - 3 Ways to Pay Off Your Debt
SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 3 as they sit down with special guest Daniel Trujillo (Relationship Officer/Work Team Lead at SAFE Credit Union) to talk about Saving for Major Milestones. Throughout the episode they discuss the major milestones they've personally saved up for, the satisfaction that comes with growing your savings accounts balances, and the importance of letting your core values determine your long-term financial goals... because saving for major milestones just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Carmelita's Mexican Restaurant (Roseville)
For more information about America Saves Week visit: https://americasavesweek.org/
Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week
SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 2 as they sit down with special guest LaTroya Johnson (Contact Center Service Representative at SAFE Credit Union) to talk about the importance of Saving for the Unexpected. Throughout the episode they share wisdom and provide valuable insights on determining wants vs. needs, sticking to a budget, and taking advantage of free resources to help you save money for a rainy day... because saving today for what might happen tomorrow just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Slim & Husky's (Sacramento)
For more information about America Saves Week visit: https://americasavesweek.org/
Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week
SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 1 as they sit down with special guest Mike Knitter (VP, Total Rewards at SAFE Credit Union) to talk about strategies for saving automatically. Throughout the episode they discuss easy and accessible ways to increase your savings by utilizing and maximizing your employee benefits. Topics include: 401(k) matching programs, Flexible Savings Accounts, Health Savings Accounts, Direct Deposit options and more!.. because Saving Automatically just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
For more information about America Saves Week visit: https://americasavesweek.org/
Forbes - What Is A 401(k) Match?
Forbes: Healthcare FSA vs. HSA - Understanding The Differences
SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, co-hosts Alex & Brit chat with special guest Jeff Lackey from Sallie Mae to discuss all things related to paying for college! Tune in as they covers topics such as scholarships, grants, student loans, FAFSA, financial aid packages and more! Not applying for college or financial aid anytime soon, but know someone who is? Hit that share button and send this episode to a loved one... because planning ahead for your future educational goals just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below:
SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.
Student Loan Information on SAFE Credit Union's website (Sallie Mae Scholarship Search is on this page!): https://www.safecu.org/personal/borrow-money/student-loans
FAFSA application: https://studentaid.gov/
Questions? Comments? Want to share something with the hosts? Email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Season 4 is officially here!
On this episode of the Perfect Cents Podcast, Alex, Brit, Miriam and Savannah candidly discuss their personal experiences with debt, the different types of debt, and their goals for paying off debt in 2023. The podcast team also highlights three common strategies for paying down debt: The Snowball, The Avalanche and Debt Consolidation. Tune in and get the inspiration YOU need to take control of your debt and take the next step on your journey toward financial wellness... because paying off debt to relieve financial stress just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Nerd Wallet - Pay Off Debt: Tools & Tips
Principal - 3 Ways to Pay Off Your Debt
SAFE Credit Union, Beyond Everyday Banking Blog - The 5 Factors of Credit
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this short two cents episode, Alex & Brit introduce listeners to our awesome Financial Wellness Educators at SAFE Credit Union, Miriam Dougherty and Savannah Brown!
Miriam and Savannah are a wealth of knowledge when it comes to personal finance and are thrilled to contribute their expertise to the podcast. Be sure to stay tuned for more content and join us in officially welcoming these two amazing Professional Experts to the Perfect Cents Podcast team. Both Savannah and Miriam will be regularly featured guests throughout Season 4 and beyond!
To check out some of the resources highlighted in this episode visit the links below.
Strapping Store - Sacramento
Slim & Husky's - Sacramento
Good Friends Hawaiian Poke - Davis (yelp)
Village Pizza & Pints - Davis
Sudwerk Brewing Co. - Davis
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Should auld acquaintance be forgot... Join Alex & Brit as they wrap-up Season 3 and share the final updates on their annual goals! On this episode of the Perfect Cents Podcast our co-hosts recap the 52-Week Savings Challenge and their respective 22 for 2022 lists, all while reflecting on the biggest wins of the year and revealing the lessons they learned throughout the process. Additionally, they drop some hints about the 2023 Debt Payoff challenge that they will be embarking on in the New Year. Tune in to get the encouragement YOU need to keep working towards your goals and set the course for another year of continued personal and professional growth... because checking in on your goals and adjusting them when needed, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To read the Beyond Everyday Banking "52-Week Savings Challenge" blog and download the fillable PDF tracker visit: https://blog.safecu.org/52-week-savings-challenge
*Note: 23 for 2023 is inspired by the Happier with Gretchen Rubin Podcast. For more information visit: https://gretchenrubin.com/resources
To learn more about Food Literacy Center visit: https://www.foodliteracycenter.org/
To find a blood donation site near you visit: https://www.vitalant.org/
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Bonus! Alex's Top 5 Songs of 2022
1) Antihero, Taylor Swift
2) Eddie, Red Hot Chili Peppers
3) This Is Why, Paramore
4) Sidelines, Phoebe Bridgers
5) I Want a Dog, Weezer
Content Warning: This episode discusses the topics of estate planning and death. While we understand that these topics may be sensitive for certain individuals, we ask you to review the full episode description below and proceed accordingly.
Join Alex & Brit as they welcome Ed Fong (Attorney-at-Law) for a discussion about the importance of establishing an Estate Plan. Together they discuss the fundamentals of Estate Planning, the various forms of trusts, powers of attorney and the difficulties that many people encounter when going through probate court. Additionally, Ed Fong shares real-life stories that highlight the critical need for individuals to establish an Estate Plan to determine the fate of their assets when they reach end-of-life. This episode will surely inspire YOU to be brave and initiate difficult but important conversations with your family members and loved ones... because being prepared and having an Estate Plan to guide your loved ones, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
The Law Office of Ed Fong
Former Zappos CEO Tony Hsieh died a millionaire, but without a will.
Zinfandel Grille
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex, Brit & SAFE's AVP, Enterprise Risk Management David Techau, for an episode focused on helping YOU prevent fraud and stay safe! On part 2 of this double-episode of the Perfect Cents Podcast our co-hosts chat with David about common check scams and potential warning signs you can look out for to protect your finances, identity and other personal information from would-be fraudsters . Additionally, they discuss simple strategies you can use to protect yourself from falling prey to sneaky scams. Tune in and find out how you can improve your current fraud prevention practices and keep yourself protected when receiving unsolicited communications or urgent requests for money... because taking preventative steps to keep your personal and financial information safe from scammers, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
SAFE Beyond Everyday Banking (blog) - 5 Steps to Take Now to Reduce Your Risk of ID Theft
SAFE Beyond Everyday Banking (blog) - How to Keep Your Financial Data Secure
SAFE Beyond Everyday Banking (blog) - Why Do I Have to Wait for My Check to Clear?
What to Know About Credit Freezes and Fraud Alerts - Federal Trade Commission
J Wild's - https://www.jwilds.com/
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex, Brit & SAFE's VP, Information Security Farrell Mapp, for an episode focused on helping YOU stay safe online! On part 1 of this double-episode of the Perfect Cents Podcast our co-hosts chat with Farrell about common scams conducted by online fraudsters and share steps you can take to thwart would-be scammers. Additionally, they discuss simple strategies you can use to protect your personal and financial information while shopping online and more! Tune in and find out how you can improve your current fraud prevention practices and keep yourself safe when conducting business online... because staying vigilant to thwart online fraudsters and scammers, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
SAFE Beyond Everyday Banking (blog) - 5 Steps to Take Now to Reduce Your Risk of ID Theft
SAFE Beyond Everyday Banking (blog) - How to Keep Your Financial Data Secure
What to Know About Credit Freezes and Fraud Alerts - Federal Trade Commission
Bacon and Butter - https://baconandbuttersac.com/
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit welcome Kevin Buffalino from Sacramento Food Bank & Family Services and Joe Robustelli from Alchecmist CDC to discuss the idea of giving graciously during the holiday season. Sacramento Food Bank & Family Services and Alchemist CDC both received grants from SAFE Credit Union in quarter 3 and the featured non-profits provide various programs to help families and community members overcome food insecurity in and around Sacramento County. Listen as Kevin & Joe share all about the work their organizations do and get inspired to give back to your community during this season of giving...
Because taking time during the holidays to give back to your community, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Sacramento Food Bank & Family Services Website: sacramentofoodbank.org
Donate to SFBFS: sacramentofoodbank.org/give
Volunteer with SFBFS: sacramentofoodbank.org/volunteer
Run to Feed the Hungry Website: runtofeedthehungry.com
El Novillero Website: elnov.com
Alchemist CDC website: https://alchemistcdc.org/
Donation to Alchemist CDC: https://alchemistcdc.org/donate/
Volunteer with Alchemist CDC: https://alchemistcdc.org/volunteer/
Tomato Alley: https://tomatoalley.com/
Joe’s email joe@alchemistcdc.org
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
'Tis the season...for smart holiday shopping tips! On this episode of the Perfect Cents Podcast, Alex & Brit share tips they've crowdsourced from fellow SAFE Credit Union employees for ways to help your budget during the holiday season. Tune in to see how you can utilize these tips in your shopping plan this year. Because saving money during the busiest shopping season of the year, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below:
Wild Sisters Book Company
A Seat at the Table Books
Want, Need, Wear, Read Info
Credit Card Options for Cash Rewards
Saran Wrap Gift Ball Game
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Happy International Credit Union Day! Join our co-hosts as they celebrate the one year anniversary of the podcast and International Credit Union Day 2022. On this episode, Alex & Brit welcome special guests, Hector Madueno & Amanda Merz to talk about SAFE's ongoing commitment to Financial Education and Community Impact. Together they discuss the Credit Union Difference and the many ways SAFE Credit Union serves our community.
Later in the episode, Brit provides a in-depth recap of the Building CommYOUnity Month campaign that took place in September, encouraging all SAFE employess to volunteer their time in support of nonprofits throughout the Sacramento region. Finally, Brit & Alex share their favorite podcast moments of the last year!
Tune in to celebrate the continued growth of the Perfect Cents Podcast neighborhood! Because celebrating your milestones and doing good for your community just makes Perfect Cents.
To check out some of the resources highlighted in this episode visit the links below.
Impact Foundry - https://impactfoundry.org/
River City Food Bank - https://rivercityfoodbank.org/
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit conduct the 3rd quarterly goals check-in and share their progress on the 52-Week Savings Challenge and their 22 for 2022 lists!
Together they highlight the biggest discoveries they've made in the last 3 months while sharing best practices and offering insight on how you can adjust your goals, if needed, during the final quarter of 2022. Listen as they provide inspiration to keep YOU motivated while emphasizing the importance of reevaluating your goals to find success. There's no time like the present to refresh your mindset and refocus your goals... Because taking some time to check in on your financial and personal wellness goals, just makes Perfect Cents!
To check out some of the resources highlighted in our goal-setting episodes visit the links below.
52-Week Savings Challenge
To read the Beyond Everyday Banking "52-Week Savings Challenge" blog and download the fillable PDF tracker visit: https://blog.safecu.org/52-week-savings-challenge
https://safe-credit-union.libsyn.com/the-52-week-savings-challenge
22 for 2022
Note: 22 for 2022 is inspired by the Happier with Gretchen Rubin Podcast. For more information and to download a PDF to fill out your own 22 for 2022 list visit: https://gretchenrubin.com/resources*
No-Spend Challenge
https://www.thepennyhoarder.com/save-money/no-spend-challenge/
https://blog.safecu.org/new-tricks-for-saving-money-in-the-new-year
https://safe-credit-union.libsyn.com/no-spend-challenge
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
The future of the automotive industry is electric and consumers are growing increasingly curious about the benefits of owning an electric vehicle. On this 2 Cents episode Alex & Brit are joined by SAFE Credit Union colleagues Avi Naidu, Susan Burns, and Tim Escobar who share their personal testimonials of owning an electric vehicle. Tune in as our guests candidly discuss their unique EV journeys and reveal things they wish they'd known prior to owning an electric car...
Because sharing personal stories to help others learn, just makes Perfect Cents!
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit team up with Jonathan Downes to discuss the benefits and challenges of gas and electric vehicles!
During the Professional Experts segment they provide an overview of the various pros and cons of owning a gas-powered vehicle, in addition to the pros and cons of EVs.
In the Best Solutions segment, Brit & Alex explore practical strategies for maximizing your efficiency and offer additional considerations for you to take into account before making the switch to electric.
In the Community Impact Corner, they share information on how you can get rid of your old car by donating it to a local nonprofit organization.
Afterwards, they open up the Email Vault to share bonus advice from employees at SAFE who also own electric vehicles...
Because understanding how an electric vehicle might fit into your life as we progress towards the electric future, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
U.S. Department of Energy (fueleconomy.gov)
"Have booming EV sales crossed the mass-adoption tipping point?" - Energy Monitor
ChargePoint - Electric Vehicle Charging Stations
Shell Recharge
EVgo
SemaConnect
Sacramento SPCA, Vehicle Donation Program
Make-A-Wish, Wheels for Wishes Car Donation
Habitat for Humanity of Greater Sacramento, Car Donation Program
CapRadio, Vehicle Donation Program
PBS-KVIE, Vehicle Donation Program
To register for one of SAFE's upcoming financial wellness webinars, visit: https://www.safecu.org/community/events
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On the Season 3 debut of the Perfect Cents Podcast, Alex & Brit tackle a topic at the front of everyone's mind... inflation.
During the Professional Experts segment our hosts are joined by Jonathan Downes, Financial Education Specialist & Content Designer. Together they help define common inflation terms and explain some of the main factors that can affect the rate of inflation, at any given time.
In the Best Solutions segment, Alex & Brit share practical strategies to help YOU save money on groceries, transportation and utilities during times of increased inflation. They also share resources to provide listeners with some peace of mind, as we all adjust to a higher cost of living.
Because doing a little bit of planning and preparation to fight inflation, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
U.S. Bureau of Labor Statistics (Consumer Price Index)
Inflation: Last Week Tonight with John Oliver
River City Food Bank (Sacramento)
Elk Grove Food Bank
Twin Lakes Food Bank (Folsom)
Joey's Food Locker (Natomas)
Placer Food Bank (Placer County)
Orangevale-Fair Oaks Food Bank
To register for one of SAFE's upcoming financial wellness webinars, visit: https://www.safecu.org/community/events
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex & Brit for the first ever 2-Cents mini episode! Listen as they preview Season 3 and share exciting updates to the existing show format. Tune in and learn how each episode will incorporate dedicated segments to help YOU take control of your financial situation and become a greater force for good in your community.
New segments include: Professional Experts, Best Solutions, Community Impact Corner and the Email Vault.
Because finding new ways to become the best version of yourself, just makes Perfect Cents!
To contact the hosts, email us at Podcast@safecu.org
To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On the Season 2 finale of the Perfect Cents Podcast, Alex & Brit provide listeners with 5 helpful tips for Back to School shopping on a budget! Throughout the discussion, they also highlight money-saving ideas shared by experienced parents and talk about the importance of setting your student up for success in the upcoming school year. From doing your research before making your first shopping trip to establishing a sinking fund and beyond, listen as they uncover easy and practical ways for YOU to get the most out of your purchases... because creating a strategy for back to school shopping that doesn't break the bank, just makes Perfect Cents!
To check out some of the resources highlighted in our goal-setting episodes visit the links below.
Statista (Data Points):
Average planned back-to-school spending per household in the U.S. (2004-2022)
Expected spending by U.S. parents on back-to-school items by category (2022)
Penny Hoarder (7 Tips to Keep Your Back-to-School Budget on Track):
https://www.thepennyhoarder.com/budgeting/back-to-school-budgeting/)
YouTube Video (WhatsUpMoms)
Budget | Back to School Spending Tips
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit conduct the second listener check-in and share their progress on the 52-Week Savings Challenge and their 22 for 2022 lists! Along the way, they highlight the biggest discoveries they've made in the last 6 months while sharing best practices and offering insight on how you can adjust your goals, if needed, during the 2nd half of 2022. Listen as they provide inspiration to keep YOU motivated and emphasize the importance of reevaluating your goals to find success. There's no time like the present to refresh your mindset and refocus your goals... Because renewing your commitment to an ongoing journey of self-improvement, just makes Perfect Cents!
To check out some of the resources highlighted in our goal-setting episodes visit the links below.
52-Week Savings Challenge
To read the Beyond Everyday Banking "52-Week Savings Challenge" blog and download the fillable PDF tracker visit: https://blog.safecu.org/52-week-savings-challenge
22 for 2022
*Note: 22 for 2022 is inspired by the Happier with Gretchen Rubin Podcast. For more information and to download a PDF to fill out your own 22 for 2022 list visit: https://gretchenrubin.com/resources
No-Spend Challenge
https://www.thepennyhoarder.com/save-money/no-spend-challenge/
https://blog.safecu.org/new-tricks-for-saving-money-in-the-new-year
Wild Sister's Book Company - https://www.wildsistersbookco.com/
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
When purchasing a house, can you separate mortgage facts from fiction? On this episode of the Perfect Cents Podcast, Alex & Brit take the backseat as Financial Educator Jason Fonseca & Sr. Mortgage Officer Samo Korosec debunk common mortgage myths.
They provide insights about the benefits of buying vs. renting, the ins and outs of a mortgage transaction, and the importance of working with experienced professionals in an ever-changing housing market.
To check out some of the resources highlighted in this episode visit the links below.
SAFE Credit Union's Mortgage Info: https://www.safecu.org/personal/borrow-money/home-loans
Samo's Email: Samo.Korosec@safecu.org
For a guide on general terminology in the mortgage world, visit: https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/
FHA loans: https://www.hud.gov/program_offices/housing/fhahistory
VA loans: https://www.benefits.va.gov/homeloans/
USDA loans: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
To register for one of SAFE's upcoming financial wellness webinars, visit: https://www.safecu.org/community/events
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Buying a new home? Thinking of what it takes to purchase a home? On this week's episode of the Perfect Cents Podcast Alex & Brit are joined by SAFE Credit Union mortgage gurus Ashley Van Den Berg and Brad Barroso to help you gain some knowledge to feel confident when buying a home. #knowledgeispower
They discuss the home buying process, how to overcome the anxiety that comes with a first time home purchase, bearded dragons, programs associated with home ownership, rising interest rates and more!
To check out some of the resources highlighted in this episode visit the links below:
SAFE Credit Union's Mortgage Info: https://www.safecu.org/personal/borrow-money/home-loans
Brad's Email: Brad.Barroso@safecu.org
Limited Time Offer, SAFE Credit Union Mortgage Promotion (ends 7/9/2022) - https://www.safecu.org/get-500-with-a-home-loan-from-safe
For a guide on general terminology in the mortgage world, visit: https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/
FHA loans: https://www.hud.gov/program_offices/housing/fhahistory
VA loans: https://www.benefits.va.gov/homeloans/
USDA loans: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Brad's small Sacramento business recommendation:
https://www.papagiannis.net/
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Laine Himmelmann from Habitat for Humanity, Greater Sacramento! They discuss Habitat for Humanity's Homeownership program, Home Repair program and their local ReStore. Throughout the episode they highlight Habitat's mission to eliminate substandard housing and provide access to resources to help families improve their shelter conditions. They also talk about the recent Rock The Block volunteer event that drew support from over 500 volunteers and business organizations in the Greater Sacramento region.
To check out some of the resources highlighted in this episode visit the links below. Habitat for Humanity of Greater Sacramento - https://habitatgreatersac.org/
Habitat for Humanity ReStore - https://www.habitat.org/restores
Habitat for Humanity Qualifications/Apply - https://habitatgreatersac.org/home-ownership/apply/
Fizz Champagne & Bubbles Bar - https://www.fizzinsac.com/
Sacramento Philharmonic & Opera - https://www.sacphilopera.org/
Limited Time Offer, SAFE Credit Union Mortgage Promotion (ends 7/9/2022) - https://www.safecu.org/get-500-with-a-home-loan-from-safe
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Savannah Brown from SAFE Credit Union's Organizational Development team! Together they discuss SAFE's annual internship program, which provides Sacramento-area high school students with professional training and work experience at its 3 on-campus branch locations. Additionally, they talk about the joy of working with aspirational high schoolers, life lessons they learned from Spongebob Squarepants and the importance of partnering with schools to provide students with access to professional development opportunities...
Because making a commitment to personal and professional development, just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
Choices Ice Cream & Smoothie - https://www.oldsacramento.com/business/choices
SAFE Credit Union, Impacting Education- https://www.safecu.org/community/community-impact/education
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit:https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit are celebrating Healthcare Appreciation Week with Aly Angeletti from Dignity Health! Together, they discuss ways the community can show support for our healthcare heroes, the varying aspects of overall wellness and the importance of creating access to mental health resources.
Doing your best to nurture all aspects of your personal wellness just makes Perfect Cents--send this episode to a healthcare hero YOU appreciate!
To check out some of the resources highlighted in this episode visit the links below.
Dignity Health: https://www.dignityhealth.org/hello-humankindness
Back Bistro: https://backbistro.com/
May is Mental Health Month Resource: https://www.nami.org/Get-Involved/Awareness-Events/Mental-Health-Awareness-Month
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this 2-part episode of the Perfect Cents Podcast, Alex & Brit are getting ready for the annual Big Day of Giving, a regional fundraising campaign for nonprofits across the Sacramento region. In an effort to inspire your participation in this positively impactful event, they will be amplifying the voices of several nonprofit organizations that SAFE Credit Union has supported in recent years. Throughout the episode you will learn about the amazing work that each of these organizations does, the populations they serve, and the importance of Big Day of Giving.
Part 2 features interview segments with Julie Hirota from Saint John's Program for Real Change, Therese Hollander from Soil Born Farms Urban Agriculture & Education Project, and Larry Bolton from Foster Youth Education Fund. Tune in to find out how you can support your local nonprofits by giving money, time, and kindness... because coming together as a community to support our local nonprofits just makes Perfect Cents! To check out some of the resources highlighted in our goal-setting episodes visit the links below.
Big Day of Giving - https://www.bigdayofgiving.org/giving-events/bdog22
Saint John's Program for Real Change - https://saintjohnsprogram.org/
Red Door Desserts - https://sjpreddoordesserts.com/
Soil Born Farms, Urban Agriculture & Education Project - https://soilborn.org/
Camina Bakery - http://caminabakery.com/
Real Pie Company - https://realpiecompany.com/
Pachamama Coffee - https://pachamamacoffee.com/
Foster Youth Education Fund - http://www.fyef.org/
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this 2-part episode of the Perfect Cents Podcast, Alex & Brit are getting ready for the annual Big Day of Giving, a regional fundraising campaign for nonprofits across the Sacramento region. In an effort to inspire your participation in this positively impactful event, they will be amplifying the voices of several nonprofit organizations that SAFE Credit Union has supported in recent years. Throughout the episode you will learn about the amazing work that each of these organizations does, the populations they serve, and the importance of Big Day of Giving.
Part 1 features interview segments with Erika Fatula from River City Food Bank and Genelle Smith from Wellspring Women's Center. Tune in to find out how you can support your local nonprofits by giving money, time, and kindness... because coming together as a community to support our local nonprofits just makes Perfect Cents!
To check out some of the resources highlighted in our goal-setting episodes visit the links below.
Big Day of Giving - https://www.bigdayofgiving.org/giving-events/bdog22
River City Food Bank - https://rivercityfoodbank.org/
Wellspring Women's Center - https://www.wellspringwomen.org/
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit are celebrating Earth Day by finding new ways to Invest in the Planet. They are joined by special guest, Rhonda Staley-Brooks from SMUD to discuss SMUD's Zero-Carbon by 2030 Plan and share easy ways to save energy and save money by making more sustainable choices. Later in the show, they welcome loyal listener Sharon Millar from SAFE Credit Union to share her favorite sustainable swaps and encourage YOU to make a commitment to taking care of Mother Earth. Because renewing your commitment to invest in the planet, just makes Perfect Cents! To check out some of the resources highlighted in our goal-setting episodes visit the links below.
Clean Power City - https://www.smud.org/en/Corporate/Environmental-Leadership/Clean-PowerCity
Energy Savings Tips - https://www.smud.org/energytips
Satori Sushi - https://www.satorisushiandgrill.com/
Sacramento Sister Circle - https://www.sacramentosistercircle.com/
Who Gives A Crap? - https://us.whogivesacrap.org/
earthbreeze - https://www.earthbreeze.com/
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, Alex & Brit conduct a listener check-in to provide updates on their progress for the 52-Week Savings Challenge, the February No-Spend Challenge and their 22 for 2022 lists! Tune in as they discuss what strategies have proven to be successful, which goals they've checked off through Quarter 1 and the opportunities they've discovered for growth and improvement. There's no time like the present to refresh your mindset and redefine what success really means as YOU make your way through the rest of 2022... Because re-evaluating your goals so you can invest in being your best, just makes Perfect Cents!
To check out some of the resources highlighted in our goal-setting episodes visit the links below.
52-Week Savings Challenge
To read the Beyond Everyday Banking "52-Week Savings Challenge" blog and download the fillable PDF tracker visit: https://blog.safecu.org/52-week-savings-challenge
No-Spend Challenge
https://www.thepennyhoarder.com/save-money/no-spend-challenge/
https://blog.safecu.org/new-tricks-for-saving-money-in-the-new-year
22 for 2022
*Note: 22 for 2022 is inspired by the Happier with Gretchen Rubin Podcast. For more information and to download a PDF to fill out your own 22 for 2022 list visit: https://gretchenrubin.com/resources
Alex's Music Recommendations
Red Hot Chili Peppers - Black Summer (YouTube)
HAIM - I Know Alone (YouTube)
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
On this episode of the Perfect Cents Podcast, join Alex & Brit as they chat with nonprofit champion Lynn Malzone Ierardi. Together they discuss the importance of putting your money where your values are, the secret to nonprofit fundraising success and the best restaurant in Philly. The duo also chats with Lynn about the upcoming What If Conference hosted by the Impact Foundry where Lynn will be the keynote speaker -- this is sure to be an episode you don't want to miss!
To check out some of the resources highlighted in this episode visit the links below.
Learn more about the What If Conference presented by the Impact Foundry here: https://whatifconference.org/
Connect with our guest speaker, Lynn, on LinkedIn! https://www.linkedin.com/in/lynn-malzone-ierardi
Lynn's book Storytelling: The Secret Sauce to Fundraising Success
For more info on Lynn's consulting company visit her website at https://www.giftplanningadvisor.com/
Gran Caffe L'Aquila - Philadelphia - https://grancaffelaquila.com/
Bea Boccalandro's book, Do Good At Work: How Simple Acts of Social Purpose Drive Success and Wellbeing
Nonprofits mentioned in this episode:
Sacramento Valley Conservancy:
https://sacramentovalleyconservancy.org/
Keaton's Childhood Cancer Alliance:
https://childcancer.org/
Wellspring Women's Center:
https://www.wellspringwomen.org/
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
We’re back! Join Alex & Brit for the official start of Season 2 with March Credit Mindfulness and a celebration of Women’s History Month featuring two truly exceptional women from SAFE: Alexiss Abad, Senior AVP of Retail Operations & Sonya Alcaraz, Senior Collections Officer. Listen as they share personal insights about things they wished they had learned about credit when they were younger and how YOU can make a positive change to enhance your financial wellness...
Because learning to better manage your credit just makes Perfect Cents!
Visit the links below to check out some of the resources highlighted in this episode.
PUUR CHOCOLAT
EL NOVILLERO
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To learn more about SAFE Credit Union products and services visit: SAFE Credit Union
It's the final day of America Saves Week 2022 (and our Season 1 finale!) and today's theme is: Save as a Family
On this mini-episode Alex & Brit are joined by SAFE's AVP of Community Relations, Rebecca Delmundo, to talk about saving as a family. Listen and learn, as we discuss the importance of having judgement-free money conversations at home, creating a supportive environment to encourage financial wellness learning and leaving a lasting legacy of better money management habits...
Because YOUwant to reach your financial wellness goals and making the decision to Save as a Family just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To learn more about SAFE Credit Union products and services visit: SAFE Credit Union
It's Day 4 of America Saves Week and today's theme is: Save by Reducing Debt. On this mini-episode Alex & Brit engage in a candid conversation about saving by reducing debt. Listen and learn as they share their personal experiences of managing and paying off various forms of debt, including credit cards, student loans, auto loans, and more! Additionally, the co-hosts offer up their unique insights into some traditional and non-traditional debt payoff strategies...
Because YOUwant to reach your financial wellness goals and making a commitment to Save by Reducing Debt just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To learn more about SAFE Credit Union products and services visit: SAFE Credit Union
It's Day 3 of America Saves Week and today's theme is: Save for Retirement
On this mini-episode Alex & Brit are joined by SAFE's Financial Advisor, Steve Raymond, to talk about long-term savings goals and saving for retirement. Listen and learn, as we discuss the importance of establishing a retirement savings early, strategies for catching up on your retirement goals during the later stages of your career, and understanding the differences between pre-tax and after-tax deductions...
Because YOUwant to reach your financial wellness goals and making a plan today to Save for Retirement tomorrow just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To learn more about SAFE Credit Union products and services visit: SAFE Credit Union
It's Day 2 of America Saves Week and today's theme is: Save for the Unexpected
On this mini-episode Alex & Brit are joined by SAFE's Vice President of Marketing and Communication, Amber DiBernardo to talk about navigating life's precarious twists and turns and saving for the unexpected. Listen as Amber shares her own personal story about facing life's unexpected challenges and together we discuss the importance of establishing a financial back-up plan for when life takes an unexpected turn.
Because YOUwant to reach your financial wellness goals and creating a plan to Save for the Unexpected just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To learn more about SAFE Credit Union products and services visit: SAFE Credit Union
It's Day 1 of America Saves Week and today's theme is: Save Automatically
On this mini-episode Alex & Brit are joined by SAFE's Manager of Payroll and Benefits, Karrine Schuldheisz to talk about utilizing your employment benefits to save automatically. Listen and learn, as we offer strategies for making the most of your Direct Deposit, the benefits of Health Savings Accounts and the importance of regularly reviewing your benefits options...
Because YOUwant to reach your financial wellness goals and finding new ways to save automatically just makes Perfect Cents!
To check out some of the resources highlighted in this episode visit the links below.
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To learn more about SAFE Credit Union products and services visit: SAFE Credit Union
Join Alex, Brit and SAFE's Financial Wellness Content Designer, Jason Fonseca as we chat about learning to love your budget! In this episode we discuss the importance of establishing a proper budget, giving your money a purpose, adapting your budget during life changes and debunking common budgeting myths. In the end, you'll walk away with plenty of warm fuzzy feelings and a renewed focus to stay on track with your financial wellness goals... because YOU deserve to feel good about your money!
To check out some of the resources highlighted in this episode visit the links below.
To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events
To check out the Mint budgeting app visit: Mint
To check out You Need A Budget app visit: YNAB.
To contact the hosts, email us at Podcast@safecu.org
To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex & Brit as they take on the No-Spend Challenge! This challenge is designed to help you flex your financial muscles to reduce extra spending and promote more mindful money habits. In this episode we'll explain what the challenge is and how it works while sharing strategies to overcome obstacles and ensure your success. Take the next step towards achieving your financial goals and enhance your ability to enjoy life... YOU got this!
To check out some of the resources highlighted in this episode visit the links below.
https://www.thepennyhoarder.com/save-money/no-spend-challenge/
https://blog.safecu.org/new-tricks-for-saving-money-in-the-new-year
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex and Brit as they chat with SAFE Credit Union's SVP of Real Estate and Consumer Lending, Tiffani Vargas, to chat about how health is wealth! They discuss how physical, emotional and mental wellness all tie in with financial wellness as well as how to get started on a wellness journey, where to find motivation, how to choose the wellness dimension that suits YOU best, and much more. To check out some of the resources highlighted in this episode visit the links below. 2022 Scholarship Application: SAFE Scholarship Application 2022 (PDF)
Beyond Everyday Banking Blog - SAFE Credit Union to award $10,000 in scholarships
To contact the hosts, email us at Podcast@safecu.org To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex & Brit as they kick-off the 52-Week Savings Challenge. This challenge is designed to maximize your savings and help you create better money habits. They'll explain what the challenge is and how it works while sharing strategies to set you up for savings success in the New Year. There is no time like the present to realize your savings goals... and the 52-Week Savings Challenge will inspire YOU to reinforce your commitment to saving more money!
To check out some of the resources highlighted in this episode visit the links below.
To read the Beyond Everyday Banking "52-Week Savings Challenge" blog and download the fillable PDF tracker visit: https://blog.safecu.org/52-week-savings-challenge
Speaking of Jack Johnson... https://www.johnsonohana.org/home
To contact the hosts, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex & Brit as they discuss their 22 for 2022 lists -- an alternative approach to traditional New Year's Resolutions. These lists encapsulate the goals they aim to accomplish within the next year guided through the lens of financial wellness and meaningful community involvement. They'll provide highlights from their own personal lists while offering insights on how to overcome potential obstacles and maintain acccountability throughout the year. Join us as we challenge YOU to create your own list of 22 things you want to get done in the next year!
*Note: This episode is inspired by the Happier with Gretchen Rubin Podcast. For more information and to download a PDF to fill out your own 22 for 2022 list visit: https://gretchenrubin.com/resources
To check out some of the resources highlighted in this episode visit the links below.
To learn more about sustainable solutions for in-home goods (...and wool dryer balls) visit Nudge Eco Store: https://www.nudgeecostore.com/
To learn more about e-books and audiobooks that may be available through your local public library check out the Libby app: https://www.overdrive.com/apps/libby/
To contact the hosts and share your own 22 for 2022 list, email us at Podcast@safecu.org
To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex and Brit as they chat with Tina Reynolds of Uptown Studios about the benefits of living your life with an attitude of gratitude. Together we discuss tips & tricks for leading with gratitude through challenging times and the positive ripple effects of giving back to our community.
To check out some of the resources highlighted in this episode visit the links below.
View all the amazing & inspired graphic design work created by the amazing team Uptown Studios (@UptownStudios) team here: https://uptownstudios.net/
Follow @TinaReynolds on Instagram & @UptownTina on Twitter
To learn more about the Sacramento Valley Conservancy and "Open Space for All" visit: https://sacramentovalleyconservancy.org/
To contact the hosts, email us at Podcast@safecu.org To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex and Brit as they chat with Emily Hoffman of the Downtown Sacramento Partnership and Susan O'Brien of The Kitchen Table in Sacramento about Small Business Saturday and the importance of shopping local this holiday season (and get tips on how and where to shop small!). After that, Brit and Alex chat with two professional experts at SAFE Credit Union, James Richie, Senior Manager of Debit and Credit Card Services and Mike McCarthy, Chief Information Officer who discuss how to safely use your card while shopping online this season.
To check out some of the resources highlighted in this episode visit the links below.
Browse all that the Kitchen Table in Sacramento (@kitchentablesac) has to offer, place an online order, and sign up for Susan's newsletter here: https://www.kitchentablesac.com/
Look through the Downtown Sacramento Partnership's site (@DowntownSac) and directory to explore all that downtown Sacramento has to offer: https://www.godowntownsac.com/explore/
Last but not least, here's info on some of the small businesses mentioned in this episode -- check them out!
Hao Bao Dumplings -- http://haobaodumplings.com/
Estelle Bakery -- https://estellebakery.com/
Capital Books on K -- https://capitalbooksonk.com/
Stage Nine -- https://www.stagenine.com/
Allspicery -- https://www.allspicery.com/
Good Bottle Shop -- https://www.goodbottleshop.com/
Tomato Alley Collective -- https://tomatoalleycollective.square.site/
Strapping Store -- https://strappingstore.com/
Pomegranate Boutique -- https://www.thepomegranateboutique.com/
Krazy Mary's -- https://krazymarys.com/
East Village Book Shop -- https://bookshop.org/shop/eastvillage
Wild Sisters Book Company -- http://wildsistersbookco.com/
Warehouse Creative -- https://www.warehousecreativesac.com/
Putah Creek Cafe -- http://www.putahcreekcafe.com/
Milestone -- https://www.milestoneedh.com/
Mom & Pop's Chicken Shop -- https://www.chxshp.com/
To contact the hosts, email us at Podcast@safecu.org To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Are you a saver, spender, debtor or investor? Are you searching for ways to reduce your extra spending and improve your budget? Join hosts Alex Becerra & Brit Kelleher as they discuss the 4 Financial Personality types and provide tips & tricks to help you reduce your extra spending to fine-tune your monthly budget. This episode will provide the inspiration you need to take your next step on the path to financial well-being and meaningful community involvement! Topics include: financial personality types, diverting money to savings, direct deposit, 401(k), budgeting, and more. To check out some of the resources highlighted in this episode visit the links below. Gretchen Rubin - The Four Tendencies Quiz: https://quiz.gretchenrubin.com/four-tendencies-quiz/ DiSC Profile: https://www.discprofile.com/what-is-disc Myers-Briggs: https://www.themyersbriggs.com/en-US/Products-and-Services/Myers-Briggs To contact the hosts, email us at Podcast@safecu.org To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/
Join Alex Becerra and Brit Kelleher for a special BONUS episode of the Perfect Cents Podcast, celebrating International Credit Union Day 2021. The theme this year is -- "Building Financial Health for a Brighter Tomorrow" This episode features exclusive interviews with several esteemed Professional Experts from around SAFE Credit Union. Listen as we discuss moving personal stories and uncover the meaning of the Credit Union Difference, SAFE's Community Impact, and more! Special guests include: * Ashleigh Erickson - Call Center Training Manager and 2021 Impact CEO Award Recipient * Amanda Merz - Community Impact Manager * Rebecca Delmundo - AVP, Community Relations * Dan McGar - AVP, Organizational Development * Dave Roughton - President, CEO
Join Alex Becerra & Brit Kelleher for the premiere episode of the Perfect Cents Podcast! In the Exceptional Experiences segment they tell their back stories and how they got started on their financial wellness journeys. Meanwhile, in the Best Solutions segment they'll equip listeners with a list of 5 actionable steps to help you get started on the journey toward financial wellness and meaningful community involvement.
Meet the hosts of the Perfect Cents Podcast, presented by SAFE Credit Union! Alex Becerra & Brit Kelleher provide insights into the mission of this podcast which blends personal finance knowledge with tips on how to positively impact your community. Listen now and join us on the journey towards financial wellness and meaningful community involvement.