Money Tips No One Told You: Recent Episodes
First Pioneers Federal Credit Union
This podcast was created to help educate on the basics of financial information to help our community be financially successful. Presented by First Pioneers Federal Credit Union.
Today we are talking about the top 10 financial terms that are confusing to many consumers. APR, APY, and even diversification.
You can receive a free credit report from each of the reporting agencies and/or freecreditreport.com - once a year.
The agencies are: TransUnion, Equifax and Experian.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about money habits that aren't your typical ideas. All of them can help you save money!
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Scams are on the rise and it seems there's a new one daily. In this episode we are talking about the different scams out there and suggestions on how you can protect yourself.
If you get a call using the "IRS scam", you can report it here, https://www.tigta.gov/.
Better Business Bureau is another resource to use for research, https://www.bbb.org/.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are sharing 6 tips for an effective mid-year financial check which can help you stay on track in reaching your financial goals.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
This episode is must listen! We are sharing a recording of a recent lunch or learn that was offered on the Credit Union facebook page.
We are talking about credit tips that go beyond the typical tips that are typically discussed but have recently come up in member discussions. We are joined by First Pioneers management - Lawoka, CEO and Jeff, VP of lending.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Today we have 10 tips to help you save for your back to school shopping. From shopping at home to buying bulk, we've got some great tips for you.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about retirement savings. Its so important for everyone! We are explaining what retirement savings is and your options. We also explain a 401k, vesting and IRAs.
the IRS has great topics for the tax implications of your retirement accounts.
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
You can also visit our blog for an IRA contribution chart for 2024.
https://www.firstpioneers.com/blog
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about the dangers of Pay Day Loans and options to get the help you need that are healthier for your finances.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Today we are talking about courtesy pay, or you may know it as overdraft protection and how it can adversely affect your finances.
Along with ways to break that cycle.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk about what you need to consider to make sure you have enough money for your retirement years.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about things you can do to navigate your finances as you navigate the seasons of life.
Whether you are just starting out, you've gotten married, you've changed careers or you are preparing for retirement.
We discuss the things you need to do to transition.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode as we continue celebrating youth month we are talking about 5 financial topics your kids need to know. 1. Where money really comes from, 2. The importance of savings and goal setting, 3. Wages & taxes, 4. How bank accounts work, 5. How things are paid for.
And of course we have some bonus tips that help your kids learn to make smart financial decisions.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Join us as we discuss Explorer accounts for kids.
These are savings and checking accounts designed for kids 0-17.
They have amazing features that help kids learn about how accounts work and helps get them started on a path to financial success.
Find all the info about these accounts here, https://www.firstpioneers.com/explorer
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Springtime is here and in this episode we give you 8 tips of things you can do to Spring clean your finances. Re-visiting your budget, your goals and getting organized are just a few.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we discuss tips for budgeting when you have a variable income.
Prioritizing expenses, understanding your income and meticulous tracking are a few of the things we recommend.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about 2 services offered at First Pioneers and many financial institutions that help you save money!
Direct Deposit creates an easy and safety to depositing your funds that helps you save, helps with record keeping and more.
Bill Pay is a great service that helps you pay your bills on time which in turn helps you save money.
These services are often overlooked or not used to their fullest potential. Check out our episode to learn more.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about tips to keep you safe while shopping this holiday season, both online and in person. We also discuss how helpful the card controls can be not just for the holidays, but all year.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking with Danielle Thibodeaux, Director of Compliance and Engagement at the Louisiana Credit Union League.
She is helping understand compliance, the role of a board at a credit union, what a membership means and more.
If you are interested in learning more about the Credit Union Share Insurance Fund Calculator, click here https://mycreditunion.gov/share-insurance-estimator-home.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Interest rates seem to the thing on everyones mind recently and we thought it would be helpful to understand more about the Federal Reserve, who sets the rates, and how this all works. And also how it affects our daily lives and finances.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are discussing what a peer to peer app is, the different apps available, and how to protect yourself.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Subscriptions are everywhere and for everything these days. But what impact is that having on your budget and reaching your financial goals? Are you sacrificing your goals for convenience?
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we had the pleasure of talking with Juan Fernandez, the new President/CEO of the Louisiana Credit Union League.
We talk about Juan's rise through credit unions, the role of the league to credit unions and future plans.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are discussing ways to protect yourself and your identity.
Tips like using stronger passwords, phishing emails, online shopping and protecting yourself on social media.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk about ways you can create a solid financial foundation.
Assessing your finances, Building savings, controlling debt, developing long term savings, educating yourself, focusing on retirement, and giving back are all pillars for your financial success.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk about the impact financial stress can put on our mental and physical health.
We also give you practical tips to help you improve both your financial and mental health.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about ways to get education and training, finding what path makes you happy, and ways to finance your education. We also talk about some non traditional ways to help yourself advance.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we share some real life examples of what new home owners have experienced after purchase or wish they would have noticed before.
Many are things most people might never think of.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk about the different types of mortgages and mortgage programs available. This will help you understand options to consider as you look for a mortgage that fits your needs.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Buying your first home can be a daunting experience and we get questions all the time about how the process works.
In this episode we talk about 10 things we feel you should do before you buy.
You can get a free copy of your credit report from annualcreditreport.com.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In todays episode we discuss the difference in a savings and checking account, the advantages to both and share some questions you can ask before opening an account.
We also discuss the Shared Branching Network that First Pioneers and many credit unions are a part of.
You can find a shared branch or a participating ATM a variety of ways:
Link from First Pioneers
https://www.firstpioneers.com/shared-branching
Directly on the page:
https://co-opcreditunions.org/locator/
Download the Coop ATM Shared Branch Locator APP on Apple or Google play stores.
Or text a 5-digit zip code to 91989 and you will be sent a location.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Have you ever noticed how a credit card and debit card look a lot alike?
That's because they do! And we get asked the difference quite often. Especially by young people just starting with their finances who are learning what it all means.
In this episode we talk about the difference and even some of the drawbacks or things to look out for.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about things you should do before you go car shopping to help you get the best rate and find a car that really fits YOUR needs!
Get your free credit report every 12 months from annualcreditreport.com.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we discuss the different types of credit:
Installment, revolving and service.
We at First Pioneers are always available to answer questions about loans, credit and other financial needs.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk about what home equity really means and the ways you can use it to help you reach your goals.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
Bank On Acadiana is a part of the United Way of Acadiana. This outreach includes partnerships with local banks and credit unions to offer individuals and families financial services to help achieve and maintain financial stability.
First Pioneers is excited to be a part of these efforts and in this episode we talk with Angela Morrison, Chief Impact Officer of the United Way of Acadiana about what Bank On is all about and the many benefits to the Acadiana community.
If you need more information about the United Way of Acadiana and the programs and services available in our area, visit unitedwayofacadiana.org.
You can find information about Bank On at unitedwayofacadiana.org/bankon.
You can find information about the tax VITA program by dialing 211 or 337.232.HELP for the information referral center.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking about all the ways you can save, especially as you get those tax refunds and work bonuses.
First Pioneers FCU has several options, you just need to find the right one for you.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are talking with First Pioneers FCU Executive Vice President of Lending, Jeff. We discuss ways to navigate the current higher interest rates including alternative lender options.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
How many of you made new years resolutions that you've already broken or abandoned those resolutions?
Most statistics I found say that around 80% of new years resolutions fail. In fact, 43% of people expect to fail by February to the point that many people don't even bother anymore.
But why is this not working? Many will say it’s a lack of accountability in the resolutions or they are not specific enough.
A resolution is a statement of what you to change. For example, you may resolve to get healthy or save money.
A goal goes a bit further. It is a statement of what you want to achieve, the steps you need to take to get there and when you would like to reach it.
We propose you go further than a resolution and create a goal.
Today we are talking about how to turn a failed resolution into a successful goal!
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Find us just about everywhere on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we are back for season 2 and talking about how to pay off holiday debt.
Often, no matter how much we plan or save, we can find ourselves running up a bit of holiday debt. If we don't get that paid off, it can linger and cost us so much more than the items we bought!
In this episode we offer 9 tips to get that holiday debt paid down quickly.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we give you ideas to budget for the holidays AND some gifts ideas that will help you stick to it!
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
I this episode we are talking about all the amazing electronic services that truly make your life easier. And this is not about a mobile app... this is about bill pay, courtesy pay, direct deposit, remote deposit capture and more!
Who doesn't want to make their life easier?
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk credit unions with Matt Rookard. Matt is the President and CEO of the Louisiana Credit Union League.
Our conversation includes what makes credit unions a great choice, the credit union movement and even the challenges we face.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
check us out on linktree:
https://linktr.ee/firstpioneersfcu
In this episode we talk about scams that we are seeing. Scams seem to be on the rise and it is getting harder to know what you can trust as the scammers are getting more and more savvy.
Don't forget, you can contact your financial institution for help if you feel you have been scammed or need to discern a possibly fraudulent situation.
You can also report a scam to the Federal Trade Commission at
https://www.ftc.gov/
The show referenced in the podcast is Trafficked with Mariana Van Zeller from National Geographic.
Season 1 episode SCAMS
and Season 2 episode ROMANCE SCAMS were sources for information shared.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Follow us on our socials:
Facebook: FirstPioneersFCU
Instagram: firstpioneersfcu
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In this episode we are once again joined by special guest, Anthony Greco. Mr. Greco is the Professor of Economics with the Department of Economics and Finance at the University of Louisiana at Lafayette.
This time we are discussing recession and what it really means.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Follow us on our socials:
Facebook: FirstPioneersFCU
Instagram: firstpioneersfcu
Tik Tok: First Pioneers FCU 1
Pinterest: First Pioneers Federal Credit Union
In this episode we are joined by a special guest, Anthony Greco. Mr. Greco is the Professor of Economics with the Department of Economics and Finance at the University of Louisiana at Lafayette.
Mr. Greco helps us understand what inflation really means, suggestions of how to adjust your spending and how to slow inflation down.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Follow us on our socials:
Facebook: FirstPioneersFCU
Instagram: firstpioneersfcu
Tik Tok: First Pioneers FCU 1
Pinterest: First Pioneers Federal Credit Union
In today's episode we are following up on our talk about budgeting to see how yours is going. Sometimes they just don't go quite how we think they will and the truth is, I don't like using the word failure... I prefer saying challenges.
There are several reasons a budget can get off track including losing motivation, unrealistic goals, dealing with high bills, forgetting things and not tracking.
We talk about how you got there and ways you can fix these challenges.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Follow us on our socials:
Facebook: FirstPioneersFCU
Instagram: firstpioneersfcu
Tik Tok: First Pioneers FCU 1
Pinterest: First Pioneers Federal Credit Union
In today's episode we are talking good debt vs. bad debt. If you’re like me, you’ve been taught your whole life that debt was bad… and you automatically equate it to something negative. But that’s not entirely true.
So we are going to break it down and give you information to help you make informed decisions about your credit future.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Follow us on our socials:
Facebook: FirstPioneersFCU
Instagram: firstpioneersfcu
Tik Tok: First Pioneers FCU 1
Pinterest: First Pioneers Federal Credit Union
In this episode we are talking about products and services your college student can use when they are moving away to school. These tips are also handy when traveling and away from your credit union. We talk about finding an ATMs or Shared Branching, using Online Banking, Zelle, and our app.
Ways to find a Co-op ATM or Shared Branch -
Visit Firstpioneers.com:
https://www.firstpioneers.com/atm-locator
https://www.firstpioneers.com/shared-branching
Visit the Co-op finder website:
https://co-opcreditunions.org/locator/
Download the app on Google or Apple App Store:
https://play.google.com/store/apps/details?id=com.coopnetwork.locator&hl=en_US≷=US
https://apps.apple.com/us/app/coop-atm-shared-branch-locator/id1239957376
Text 91989
Download the First Pioneers App:
https://play.google.com/store/apps/details?id=com.firstpioneersfcu.mobile&hl=en_US≷=US
https://apps.apple.com/us/app/first-pioneers-fcu/id1215298657
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
Follow us on our socials:
Facebook: FirstPioneersFCU
Instagram: firstpioneersfcu
Tik Tok: First Pioneers FCU 1
Pinterest: First Pioneers Federal Credit Union
In this episode we are talking about tough talks conversations adult children need to have with their parents. No one wants to think about our parents aging… but the sad reality is there will come in a point in our lives where parents may need the help of their children through the next stage of their journey.
Retirement, debt, long term care, wills, and estates are among the topics we discuss and recommend you do as well.
The reality is, these transitions can happen quickly and take you by surprise. Even when you know this is coming, it is still a stressful time and you may find yourself not thinking clearly or forgetting things. The more you know and have planned, the easier it can be to move forward in a way that meets not just the NEEDS of your parents but follows their wishes.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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In this episode we are talking about tips to save for college and/or other education or training. Not all kids will go to college, nor should they. The career path you choose is yours alone and not a one size fits all solution, but saving can be helpful for other types of training or education as well. Saving for future plans is a good thing to make part of your savings plan.
For today’s discussion focuses on saving for college.
We also discuss when not to save for college!
The website to purchase US Savings Bonds is
treasurydirect.gov
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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In this episode we are talking about money and the things that go along with it. Especially with so many young people graduating school and getting out into the work force, there’s actually a lot to consider. I remember my first real job, no one had told me anything about how it worked and it was a bit of a learning curve. Filling out tax forms, what benefits really mean, and how working can actually cost you… no one ever told me those things.
The hidden costs of working, how to get training, what benefits really mean, and how to fill out a w-4.
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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In this episode we are talking about credit. This is the topic we seem to get asked about the most and the one people really want and need to understand.
We talk about how to establish credit, what makes up your credit score and ways to repair your credit.
If you would like to get a copy of your credit report, visit annualcreditreport.com.
You can get your credit score from FICO at https://www.fico.com/en/products/fico-score
You can find First Pioneers Federal Credit Union at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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This episode is all about CDs, and I don’t mean the things that play music or hold data!
We will talk about what a CD really is and what to consider before opening one.
We will also explain the different types of CDs and how to maximize your return with a CD ladder.
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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In this episode we have our friend, Robin Godeaux visiting us with tips for home buyers. Recently, the real estate market is difficult to navigate, with homes going under contract as soon as the hit the market. First time home buyers are feeling especially overwhelmed.
Robin and I talk about the importance of having an agent on your team, the process of buying, how to make an offer and more!
If you would like to contact Robin for your real estate needs, you can find her and the CJ group here, http://livelovelafayette.com/agents/.
You can also find her on facebook: https://www.facebook.com/GeauxWithGodeaux
You can find First Pioneers at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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We are once again celebrating youth as credit unions across the country celebrate youth month in April. Last time we talked about basic lessons in money management. In this episode we want to discuss a few things your teen needs to know as they begin this leg of their journey to adulthood. Today that’s money management, building credit and what it really means to have a job.
It's easy to get overwhelmed when you think about all you want to teach your children. Imagine how they feel? Many of them recognize there is so much they don’t know yet they want to prepare to go out into the world on their own. The good thing, questions can always be asked, and things will be learned as life develops and creates the need.
Reach out to your bank or credit union or reach out to local organizations that offer this kind of help. That’s what we are here for!
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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As credit unions across the country celebrate youth month it is a perfect time to talk to your kids about their finances. There was time when schools taught basic Home Economics like cooking, sewing and even basic banking. Over the years, those classes went by the wayside and teaching children about finances became the responsibility of the parent or caregiver.
Many parents face the challenge of feeling like theres no time or not knowing how to approach the topic. Many organizations are offering classes or seminars to help fill the gaps, including First Pioneers FCU.
In this episode we discuss basics to teach your kids like money management, saving and budgeting.
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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Todays episode is part of a series where we are talking answers to mortgage questions. There are several things to consider before buying your first home.
But owning a home can be a wonderful experience and we don’t want to see fear stop you from going after that dream.
In this episode we talk about examining your financial health as well as your credit score and what effects it.
The home buying process can be confusing and overwhelming if you let it. But it doesn’t have to be. There are people ready to guide you through this journey and help you buy your first home!
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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In this episode we we are back talking about good financial habits.
Today, we are talking about savings. Savings may actually be the most neglected part of our budget BUT, it's probably the most important.
These days so many of us are living paycheck to paycheck and I get that it’s hard to make saving a priority but it's necessary.
Recent data shows that 39% of Americans would have a hard time covering an unexpected cash expense of just $400. And realistically, emergency expenses can cost a lot more than $400. So how do we make that number better?
This is why saving is so important…. Even if the amount you save is small, it does add up and more quickly than you think.
We will talk about the categories of savings and give you tips on how to make saving a habit.
The key takeaway is, no matter how you do it, make saving part of your plan! And if you need help figuring out how to set up accounts and work with your direct deposit, ask your bank or credit union for guidance. We are always here to help!
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our podcast you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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Today we are talking about habits. Habits can be many things that are both good and bad. A bad habit may be biting your nails. A good habit may be making your bed.
We have habits in almost every aspect of our lives. Little things like how we brush our teeth to bigger ones like our eating or driving habits.
Many of us may not even realize that we have habits when comes to our money. Some may be good, some may be not so much.
Today's habit is budgeting. Budgeting and tracking your spending are great habits to develop and they can help you become financially successful. Knowing what is happening with your money is really the only way to make it work for you in a more positive way.
If you don’t use a budget. Start one today! If you have questions, reach out to your bank or credit union. They are a great resource for help getting you going in the right direction.
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version of our pods you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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Today on this first episode we thought it was important to just start with the basics…. A foundation to build on…
We will discuss the difference in banks and credit unions and begin a conversation about FinTechs and what they are.
The thing many people don’t know is there are several options when it comes to banking… some that don’t really fit the traditional idea of a bank you may have in your head.
The choice of where to do your banking can be overwhelming, especially if there are things you don't understand. We hope the information in this episode will help you feel more confident as you make the choice for your banking needs.
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version (coming soon) of our pods you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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Today we are introducing ourselves. wanted to introduce ourselves. We are First Pioneers Federal Credit Union and we are located in Lafayette, Louisiana in the heart of Cajun Country.
We started this podcast as part our outreach efforts to help educate people on financial topics they need to know. The motto of credit unions is people helping people and that’s what we do for our members and beyond. At First Pioneers, our mission is our Commitment to caring for members’ financial needs with heart… Which is why we chose Valentine’s Day for our first episode! We are here to walk with you through every step of your financial journey.
Sometimes what you don’t know can be the basics, sometimes it can be more advanced.
Financial tasks can be difficult, but they don’t have to be and finding someone you can trust to ask questions of can go a long way. I would say it’s the first step.
First Pioneers is a judgement free zone because our goal is help you and make your life better. Here… there is never a stupid question and there is a solution to every challenge.
You can find us at our Lafayette or New Iberia branch in Louisiana or online at firstpioneers.com. If you prefer a blog version (coming soon) of our pods you can find that on the website or if you prefer video, check us out on our youtube channel at firstpioneersfcu.
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