Making Money Personal

It’s a moment none of us wants to experience. The moment we learn someone stole our identity. Our head swims with questions. How did this happen? Where did I go wrong? How do I go about fixing it? There are many ways thieves target us and steal our information. From data breaches to check fraud, the tactics vary, but what matters most in this time is knowing the right steps to take to resolve the issue as soon as possible.   
Links:
View and download the helpful Action Guide for step-by-step help with recovering from check fraud
Learn more about the America Saves Pledge
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
This week’s tip is a resource from the America Saves campaign focused on check fraud awareness and resolution.  Take a moment, listen in, and share it with others so they can be made aware of this ongoing financial threat. 
Finding out you’ve been a victim of check fraud can feel overwhelming.  
Maybe a check was stolen from the mail. Maybe your account shows a payment you never authorized. Or maybe you deposited a check that turned out to be fake.  
No matter how it happened, one thing is true: acting quickly matters. The sooner you respond, the better your chance of limiting financial loss, protecting your account, and preventing further fraud.  
If you think you’re a victim of check fraud, here are the steps to take.  
Step 1: Contact Your Financial Institution Immediately  
Your first call should be to your financial institution. Tell them:  
What happened
Which transaction looks suspicious
When you noticed it   
Your financial institution may be able to:  
Place a stop payment
Freeze your account
Open an investigation
Provide information needed to file a report with the authorities   
Do not wait to “see if it clears up.” Time matters.  
  
Step 2: Review Your Account for Other Fraud  
Fraud may not stop at one transaction. Look through recent account activity for:  
Other unfamiliar checks
Unusual withdrawals
New account changes you did not make   
Review at least the last 30–60 days if possible. If your account information was stolen, criminals may attempt additional fraud.  
  
Step 3: Document Everything  
Keep records of:  
Suspicious transactions
Check numbers
All related communications including calls, emails or text messages related to the fraud
Police or fraud reports   
Write down dates, names, and case numbers. This documentation can help if you need to dispute charges or file reports.  
  
Step 4: File a Fraud Report  
Depending on the situation, you may need to report the fraud to local authorities or other agencies. This can be especially important if:  
Mail was stolen
Identity theft is involved
A scammer targeted you online   
Ask your financial institution what reports they recommend. Keep copies of everything.  
  
Step 5: Secure Your Account  
If your account information has been compromised, your institution may recommend that you open a new account.  
Take additional steps like:  
Changing online banking passwords
Updating PINs
Reviewing linked payment accounts   
If you use the same password elsewhere, update those too.  
  
Step 6: Replace Compromised Checks  
If physical checks were stolen:  
Report the missing check numbers
Store remaining checks securely
Order new checks if needed   
Do not continue using compromised check numbers.  
  
Step 7: Watch for Identity Theft  
A stolen check contains personal information. Watch for:  
Unfamiliar credit activity
Unexpected bills
Collection notices
New account openings   
Continue monitoring your financial accounts regularly.  
  
If You Deposited a Fake Check  
If you deposited a fraudulent check as part of a scam, contact your financial institution immediately. Explain what happened. Even if the money appeared in your account, it may later be removed if the check is fake.  
Remember: If someone asks you to send money back after depositing a check, that is a major warning sign.  
  
How to Protect Yourself Going Forward  
After fraud happens, it’s normal to feel cautious.  
Moving forward:  
Monitor your account weekly
Use account alerts
Mail checks securely
Keep checks stored safely
Be cautious with unexpected payments
Ask questions before acting   
Fraud can happen to anyone. What matters most is how quickly you respond and what you do next.  
Final Takeaway  
Check fraud can be frustrating and stressful, but you are not powerless. Quick action can help protect your money and reduce the impact. Knowledge is one of your strongest tools. Download this action guide for step-by-step help on what to do, who to contact, and how to protect your money moving forward.  
Want to continue building your financial confidence and awareness? Take the America Saves Pledge today! We’ll send you tips, tools, and resources to help you save for what matters most to you. 

In this episode we chat with Steve Drake, Executive Director at the New Hampshire Hispanic Scholarship Fund (NHHSF) about its mission, operations and impact on the NH and MA Hispanic communities.
Links:
NHHSF Website: https://nhhsf.org/
NHHSF contact page and social media: https://nhhsf.org/contact-us/
Contact Steve directly: sdrake@nhhsf.org
Learn more about Triangle Credit Union: https://www.trianglecu.org/
Check out TCU University for financial education tips and resources: https://triangleuniversity.org/
Learn more about Triangle Credit Union: https://www.trianglecu.org/
AD: Learn more about how Triangle's 40-Year Mortgage program makes homeownership more affordable: https://www.trianglecu.org/borrow/mortgages/

Identity theft red flags are no joke. From a suspicious looking email, to an alarming text message, learning how to detect fraud before it happens is a critical skill we all need to develop. Detecting fraud before or even during an event can make a big difference in determining how much time and resources you’ll need to spend fixing the damage done.  
Links:
Download and use the Check Fraud Detection Checklist
Learn more about and sign the America Saves Pledge
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
This week we’re sharing a tip from the America Saves Check Fraud awareness campaign focused on how to detect fraud, particularly check fraud early, so you can act quickly to stop fraudsters in their tracks before too much damage is done. Take a moment, listen in, and share it with others so they can be made aware of this ongoing financial threat. 
Whether a check was stolen from the mail, altered, forged, or used in a scam, the sooner you notice suspicious activity, the better your chances are of limiting financial loss and protecting your account. The challenge? Check fraud is not always obvious right away.  
A payment may seem delayed. A check might clear for the wrong amount. Or you may notice a transaction you don’t recognize weeks later. That’s why regular account monitoring matters. Here’s how to spot the warning signs of check fraud and what to do if something doesn’t look right.  
Warning Signs of Check Fraud  
Fraud often leaves some clues. Knowing what to look for can help you act quickly.  
1. A Check Hasn’t Been Cashed When You Expected It To  
If you mailed a payment and it has not been processed within the normal timeframe, it is worth checking on. This does not always mean fraud, but it could mean the check was delayed, lost, or intercepted.   
What to do: Start by contacting the person or company you paid, and confirm whether they’ve received it or not.   
2. A Check Clears for the Wrong Amount  
One of the clearest warning signs is a check clearing for more (or less) than you wrote it for. This may happen in cases of check washing or altered checks.  
What to do: Compare your check register or payment records to your account statement, and review the check image. Most financial institutions provide them through online banking, or you can request them at your local branch or customer service line.    
3. You See a Payment to Someone You Don’t Recognize  
If your account shows a check made out to a person or business you did not authorize, that could be a sign of fraud. This may happen with forged or altered checks.  
What to do: Review the transaction details immediately, and contact your financial institution right away   
4. Missing Checks or Missing Mail  
If checks from your checkbook are missing or you notice missing mail, it may signal theft. Stolen blank checks can be used fraudulently.  
What to do: Secure your remaining checks; report missing checks to your financial institution and any missing mail to the post office.   
5. Unfamiliar Withdrawals or Account Activity  
Not all fraud appears as a check image. Sometimes fraud starts with stolen account information and shows up as other account activity.  
What to do: Watch for small test transactions, unusual withdrawals or multiple failed payment attempts.
  
Simple Ways to Monitor Your Accounts  
The best way to catch fraud early is to make account monitoring a regular habit. It does not have to take long.  
Set Up Account Alerts  
Most financial institutions allow you to set up alerts for withdrawals, deposits, checks clearing, low balances and large transactions. These alerts can help you spot suspicious activity quickly.   
If you are not comfortable using mobile banking, ask your financial institution if they offer phone, text or email alerts.  
Review Your Account Weekly  
A quick weekly review can help you catch issues before they grow. Check for payments you don’t recognize, checks clearing for the wrong amount, or missing expected transactions. Even five minutes can help.  
Check Your Cleared Check Images  
Many financial institutions allow you to view images of checks that have cleared. Look for the correct payee, correct amount, and your actual signature. This can help spot altered or forged checks.  
Keep a Simple Record of Checks You Send  
Whether it’s a checkbook register, a notebook, or a note on your phone, tracking helps. Record the date you sent the payment, the amount and the recipients information. That makes it easier to compare later.  
Be Careful with Unexpected Checks  
If you receive a check you were not expecting, especially tied to a job, prize, or payment request….pause! Ask questions before depositing it. Unexpected money is often a warning sign.  
 
What to Do If You Notice Something Suspicious  
If you think something may be wrong, act quickly.  
Step 1: Contact Your Financial Institution   
Review what you’ve noticed with them. They can assist with freezing or flagging the account and transaction, place a stop payment or investigate the issue further. The sooner you contact them, the better.  
Step 2: Gather Your Records  
Collect check numbers, account statements, payment records, and any related emails, text, or related messages. Having information ready can speed up the process.  
Step 3: Monitor Closely  
After reporting suspicious activity, keep watching your account. Fraud sometimes happens in more than one transaction.  
Step 4: Change Account Security If Needed  
Depending on the situation, it may be recommend that you close your account and open a new one, update passwords or add extra account protections.   
Early Action Can Make a Big Difference  
Check fraud can be stressful but early detection gives you more options.  
The key is simple:  
Review your account regularly  
Pay attention to missing or unusual transactions  
Act quickly if something feels off   
Small habits can help protect your money. Download our check fraud detection checklist to help monitor your account, track payments, and catch suspicious activity sooner.  
If you’re ready to learn more about how small steps can help build your financial confidence, take the take the America Saves Pledge today. It’s a simple commitment to save for what matters most to you, one step at a time.    

This month we’re joining in the call to raise awareness about the ongoing dangers of check fraud. Regardless of whether or not you still write paper checks, this information still matters because it is one of the many ways fraudsters are trying to steal money from unsuspecting victims.  
Links:
View and download the One Page Guide on common types of check fraud
Learn more about the America Saves Pledge
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
This week’s tip is a resource from the America Saves campaign presenting 5 specific types of check fraud to stay on guard against. This important awareness campaign is coordinated by the nonprofit Consumer Federation of America (CFA) which is dedicated to helping individuals save money, reduce debt, and build wealth. Take a moment, listen in, and share it with others so they can be made aware of this ongoing financial threat. 
Let’s get into the 5 specific types of check fraud you should be aware of. 
Even in a digital world, checks (paper or electronic) contain valuable information that criminals can use to steal money or commit fraud. At the same time, scammers are increasingly combining traditional check scams with electronic payments, mobile deposits, and peer-to-peer payment apps.   
Understanding the most common types of check fraud can help you recognize warning signs and better protect your money.   
1. Mail Theft 
One of the most common ways check fraud begins is through stolen mail.  
Criminals may target residential mailboxes, apartment mailrooms, or public collection boxes looking for outgoing checks such as rent payments, utility bills, or personal checks.  
Once stolen, those checks may be altered, copied, or used to access personal banking information.  
To reduce risk:  
Drop mail inside the post office when possible  
Avoid leaving outgoing checks in unsecured mailboxes overnight  
Monitor expected payments and mail delivery closely 
2. Check Washing 
Check washing happens when a thief steals a completed check and removes the ink using chemicals. Once the original writing is removed, they rewrite the check with a new payee name or a larger amount.  
For example, a $50 utility payment could become a $500 payment to a fraudster.  
Even a small check can be changed into a much larger fraudulent payment.   
Using permeant gel pens and avoiding blank spaces on checks may help reduce the risk of alteration.   
3. Counterfeit Checks 
Counterfeit checks are fake checks created using real bank account information. Scammers may use stolen logos and routing and account numbers to print checks that look legitimate. This can happen after mail theft or data theft.   
Counterfeit checks may be used to make purchases, withdraw cash, or scam others.  
Just because a check looks official does not mean it is legitimate.   
4. Fake Check Scams 
Fake check scams often begin with an unexpected opportunity or payment.  
A scammer may:  
Offer a fake job  
Send a prize or lottery payment  
“Overpay” for an online purchase  
Send money for supplies or equipment   
The victim is then instructed to deposit the check and quickly send some of the money back.  
Many of these scams now involve electronic checks, mobile deposits, or peer-to-peer payment apps. A scammer may email a digital check image, ask someone to deposit it through a banking app, and then pressure them to send money electronically before the check fully clears.  
Although funds may appear available in an account, the check can still later be rejected and could leave the victim responsible for the lost money.  
Young adults, first-time workers, and online sellers are frequently targeted by these scams.  
5. Forged Checks 
Forged checks happen when someone signs or changes a check without permission.  
This may include:  
Signing another person’s name  
Altering payment information  
Changing endorsement details   
Forgery can happen through stolen checkbooks, lost checks, or unauthorized access to financial information.   
Monitoring your account regularly can help you spot suspicious activity sooner.  
Why This Matters  
Check fraud continues to evolve, and scammers are finding new ways to combine traditional check fraud with digital payment methods.  
The good news is that awareness and simple habits can help reduce your risk.  
Understanding how these scams work can help you:  
Spot warning signs earlier  
Avoid common scams  
Protect your banking information  
Take action quickly if something seems wrong   
How to Protect Yourself  
Monitor your accounts regularly  
Set up banking alerts  
Be cautious with unexpected checks or payments 
Never send money back based on a deposited check alone 
Use secure mail drop locations whenever possible   
Learn More  
Protecting your money starts with awareness. Download the helpful one-page guide that focuses on common types of check fraud, signs to watch for, and prevention tips. Link will be in the show notes.  
Want to continue building your financial confidence through education? Follow the link in the show notes to take the America Saves Pledge today for tips, tools, and resources to help you save for what matters most to you. 

How often do you reach for cash when making a purchase? If you are like most Americans, it’s not very often, and the bigger the purchase, the more likely you are to use a credit or debit card. Fraudsters are aware of these statistics so they develop tricky tactics to intercept your card information during the purchase process. 
Links:
Check out the news story covering gluing: https://abc7news.com/glue-in-atm-slot-chase-scam-tap-card-bank/12935385/
Learn more about Triangle's Better Checking account with ID Protection
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
Now, more than ever, it’s important to safeguard sensitive card information to prevent an interruption in your ability to make important purchases. It’s often stressed to pay attention to any attempts to steal our information when we use our cards online, but the unfortunate reality is that even if the card stays in your physical possession while paying, there are several ways that your card information can be stolen or used fraudulently. Let’s revisit two of these criminal practices, and learn how you can be your own superhero and stop fraud before it happens. 
Skimming 
You’ve probably heard about this one before. Skimming is a technique employed by criminals to steal sensitive payment card data, including credit or debit card numbers, PIN codes, and other personal information. Even though this illegal technique has been around for more than twenty years, it is still one of the most common types of card fraud. It typically occurs when a physical device, known as a skimmer, is placed on or near a legitimate card reader, such as an ATM or a point-of-sale (POS) terminal at a store or gas pump. The skimmer is designed to capture card data, while an additional component, like a hidden camera or keypad overlay, records PIN codes or other information about the payment card transaction.
Even if you have a chip card, many card terminals still use the magnetic stripe on the back of the card in addition to or instead of the chip. The only transactions that are not subject to skimmers are those where you do not insert your card past the chip portion, therefore, the magnetic stripe is not readable, or you use Tap-to-Pay. Tap-to-Pay allows a cardholder to physically tap the card on the device, which uses short-range wireless card reader technology to access the account, rather than relying on the physical attributes of the card. 
  
How to Detect a Skimmer: 
Examine the Card Reader Carefully: When using an ATM, or a POS terminal at a store or fuel pump, check the device for anything that looks odd. Fraudsters may attach a skimmer directly over the card slot or PIN pad, resulting in something that is not the same color or shape or looks bulky. Look for any other signs of tampering, such as scratches, glue residue, or a loose-fitting card slot (touch to see if it moves). If anything seems suspicious, avoid using the machine and report it immediately. 
Use Your Hand to Shield Your PIN: You may have developed a habit of using your hand to shield the keypad when entering your PIN code if you are in line at the grocery store, but what about when you are alone at an ATM or gas pump? You need to include this as a habit every time you enter your PIN, no matter where you are. Criminals often install tiny miniature cameras at the point where a skimmer is installed to capture your PIN, as the skimmer captures the information from your card.
Use Secure and Trusted Devices: Whenever possible, use ATMs or payment terminals that are in well-lit, secure areas. When filling up, choose pumps close to and within sight of employees. Illegal skimmers must be installed by someone, and criminals will choose areas where they are the least likely to be noticed and caught.
Monitor Your Accounts Regularly: Regularly review your bank statements, credit card statements, and transaction history for any unauthorized or suspicious activity. Report any discrepancies to your financial institution immediately.  
Gluing or "Glue-and-Tap" 
Gluing or Glue-and-Tap is a method that criminals are using at ATMs to access your bank account directly, skipping the need for your card information altogether. This scam typically occurs at a free-standing ATM in a well-trafficked area where people approach on foot. It goes like this. The perpetrator pours glue into the card reader, setting up the scam. Sometime later you visit the ATM to retrieve cash, but you find that you can’t insert your card. A seemingly helpful bystander tells you that the machine is jammed, but if you tap your card, you can still make a withdrawal. At that point, you tap either your card (or phone), enter the PIN required for tap transactions, and leave, often even thanking the “helpful” stranger. The bystander is counting on you, the victim, not being familiar with this type of withdrawal and unaware that you will need to take an extra step to exit the account on the screen before leaving the ATM. Unlike when a card is inserted, and the account window closes when the card is removed, a tap transaction must be closed out on the screen. The criminal perpetrating this scam expects the victim to be unfamiliar with the process, and they can then drain the account that has been left open. Some victims even report being uncomfortable due to the bystander's presence; therefore, completing their transaction and being distracted in their effort to leave the area quickly and safely, leaving their account window open, even if they know better. Scammers utilized this method back in 2023 during a series of incidents in San Francisco, which was featured in a video news report. 
To help protect yourself, avoid any ATM with a card reader that doesn’t seem to work properly. If you are comfortable using the tap feature on your phone or card for transactions, always wait for the prompt asking if you are finished and confirm that your account is no longer accessible before leaving. 
It's up to all of us to stay protected against identity theft, particularly in the case of payment card fraud. But if a criminal gets your payment card, they may not stop there. If you feel you may be a victim of identity theft, we have professionals standing by to help you get your life back on track. If you have a Better Checking account at Triangle, take a moment to review and activate your monitoring benefits. This will help you stay informed of any activity that could indicate you are a victim of identity theft. 
If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.          
Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Managing your money should feel simple, not stressful. With the right accounts and smart financial tools, reaching your goals and staying in control of your finances has never been easier. That’s why we created the Smart Money Bundle—a convenient solution designed to help you make the most of your money. 
Links:
Check out Triangle's Smart Money Bundle for a smarter way to save
Learn more about Triangle's no minimum balance, Better & Basic Checking account options
Learn more about our Direct Deposit Drawing and the chance to win $750! Enter the drawing by October 4, 2026. See Official Rules for additional details.
Download our Direct Deposit Form to start setting up your first direct deposit.
Learn more about our higher-than-average tiered rates Online Savings account to jump start savings.
Learn more about our Goal Builder tool to set up and automate savings goals.
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
The sun is shining, children are out of school for the summer, and you may be planning to (or have already scheduled to) take time off from work for vacation; this is the time of the year when you want to sit back and relax while enjoying the nice weather with friends and family.  But something that should never take a back seat is your finances because your financial situation is important and your future matters.  
Looking for a simple way to stay on top of your finances? With the right combination of accounts and services, you can make everyday banking easier while building toward your savings goals.  With Triangle’s Smart Money Bundle, you can improve your finances and create your own financial goals. Here’s how to take advantage of bundle:  
1. Open a No Minimum Balance Checking Account 
You don't need a hefty minimum balance in checking anymore-- you just need enough to cover the transactions!   Avoid the penalty of low minimum balances on your checking with one of our great checking account options. Better Checking Account with Identity Protection* or Basic Checking Account.  Both of these checking accounts come with a contactless debit card, so for more security and convenience, add it to your digital wallet and get on with your summer adventures.  
2. Set Up Direct Deposit with Early Paycheck 
Did you know that you could receive your paycheck up to two days early with ACH approval from your employer if you set up direct deposit?  Plus, for a limited time we’re running a special drawing you don’t want to miss! From now until October 4th  2026, when you set up a new direct deposit, you’ll be entered into a drawing for your chance to win $750*.    *There’s no purchase necessary so visit triangleuniversity.org/contests/ or follow the link in the show notes for full drawing rules. 
If you’ve been putting off setting up a direct deposit for a while now, don’t miss this chance. It’s the perfect time to get started and super easy with our simple direct deposit form . Access the form directly using the link in the show notes. 
3. Open an Online Savings and Begin Saving with Goal Builder  Your funds are easily accessible and available for online transfers with a Premium Online Savings account.  
This savings account has higher-than-average tiered rates and there is no minimum deposit required to open, no limits to deposit, and no limits to withdraw funds thereafter. 
After opening your online savings account, begin saving towards the goals that matter most to you with Goal Builder. Goal Builder is our online banking tool that helps you save towards your financial goals, automatically so you can take the stress and guess work out of saving. 
Triangle’s Smart Money Bundle was designed to highlight three financial products and services that when utilized together, can simplify your financial journey.  Visit Smart Money Bundle - Triangle Credit Union to learn more about the Smart Money Bundle and get started today! 

Looking after your financial health matters just as much as caring for your physical health. Just as you track health stats to see what needs attention, you should also keep an eye on your money, check your progress, and see what needs improvement. Fortunately, tracking a few key areas can paint a good picture of your overall financial health and illuminate areas that may need improvement.  
Links:
Learn more about Triangle's Financial Planning services
Get a snapshot of your financial health with our free Financial Wellness Assessment
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
We all learn early on that taking care of our health is essential. We’re told to eat well, exercise, and manage stress. Looking after our bodies helps us stay strong and ready for life’s challenges. The same goes for financial health. It means checking your finances, keeping an eye on your spending, and tracking your progress to build a solid plan for the future. 
The good news is that keeping track of your financial health isn’t hard. With a simple plan, you can review your situation, set goals, and take steps toward stable finances. Begin by looking at these main financial areas to gather the right information and get a clear view of where you stand. 
Savings Strategy & Habits  
In this area, you keep track of your current savings and see how well you’re saving. Checking your savings habits and balances shows how ready you are to handle surprises or a loss of income. 
It’s important to look at how often you save, the total amount you’ve saved in different accounts, and your household income. 
Track your total savings in checking, high-yield savings, and brokerage accounts. Also, note any automatic savings contributions and interest earned on your savings. 
Cash & Liquidity Health  
This shows how steady your cash flow is. The money coming in should cover your needs and help you plan for your wants. Available cash gives you flexibility, and liquid cash is money you haven’t spent yet. 
However, debt can make things harder. Debt affects your ability to access cash. If your payments stay below your income, you’re okay. But if your debt grows too much, it can limit your cash flow and make your finances less flexible. 
In this section, review your cash flow, see if you can pay for your needs and wants, and compare your income to your debts. 
You’ll want to track your income, total debt, debt-to-income ratio, and interest rates you’re paying to measure your cash and liquidity health. 
Investments Health  
This area is about long-term planning. Think about what you want your life to look like after you retire, how much money you’ll need, and whether your savings will support your post-retirement lifestyle. 
Keep in mind that your investment needs will change as you get closer to retirement, so it’s a good idea to review your investments regularly. Financial professionals can help you choose the right mix for your stage of life and guide you in building a portfolio that fits your retirement plans. For more help, visit Triangle’s financial planning services at trianglecu.org or use the link in the show notes. 
Track your current retirement savings, how much you’re contributing, your projected retirement savings and income, and what you expect to spend in retirement. Put all this information into a retirement plan that you can update as your situation changes. 
Protection Health  
Protecting yourself and your finances is an important part of staying healthy overall. This is a way to prevent problems before they happen. Just as health insurance helps with medical costs, life and disability insurance can help if something major affects your finances. 
Long-term planning helps protect your wealth from unexpected problems. It also shields your loved ones and yourself from financial stress if something goes wrong. 
Think about what insurance you have besides your employer’s life insurance. Do you also have an additional life insurance policy, short- or long-term disability, or, for later in life, long-term care insurance? 
Check which insurance policies you have, how much coverage they offer, and if that’s enough to support you financially when needed. Review your premiums, coverage amounts, and look for any gaps in coverage you might need to fill. 
Estate & Legacy Health  
Estate planning is about preparing for what happens after you’re gone. Many people don’t have a plan and leave their families with a lot to sort out. Avoid this by making a clear, organized estate plan. This lets you decide how your assets, like your home and accounts, will be passed down according to your wishes. 
There’s a lot to think about here, so when it comes to estate planning, it’s also important to have a financial professional right by your side to walk you through the ins and outs of putting together a solid financial plan. If you’re looking for help or services in this area our professionals help with this too. Follow the link in the show notes for our financial planning services. 
If you've collected all the information but don’t know whether it means yore in good financial health or not, you can get a personalized report fast  with our quick and easy personal financial assessment. It asks a few questions, gives you a personalized report, and then highlights your areas for improvement. It only takes a few minutes and is a great first step toward understanding and improving your finances. Start today for a clearer view of your financial health. Try it out today! Visit trianglecu.org or follow the link in the show notes to get started. 
If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.          
Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.

Buying a home is one of the biggest financial decisions you'll ever make. If you are not ready to buy yet because mortgage rates feel high, your down payment needs more time, or the right house has not hit the market; the waiting period can still work in your favor. Don’t let the home buying delay get you down. Instead, let it motivate you to work towards a more favorable purchase outcome. 
Links:
Listen to our past episode "What the Heck is Credit and Why is it Important?" to learn more about credit scores and reports
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
Finding the right house can be challenging. For many buyers, it’s a process that’s hard to predict and in many cases, can take longer than expected. The good news is that the waiting period doesn't have to be wasted time. In fact, a few smart financial moves now can put you in a much stronger position when it's finally time to make that offer. 
If you’re one of the many people waiting to find the right house to call home, here are a few things you can do in the meantime to get your financial situation in tip top shape while waiting. 
1. Build a Bigger Down Payment
One of the most productive things you can do while waiting to buy is continue growing your down payment fund. 
A larger down payment can reduce your monthly mortgage payment, lower the amount you'll need to borrow, and potentially help you avoid private mortgage insurance (PMI). Even adding a few extra thousand dollars to your savings can make a meaningful difference over the life of the loan. 
Consider setting up automatic transfers into a dedicated high-yield savings account, so your home fund continues to grow without requiring constant attention. 
2. Improve Your Credit Score
Your credit score plays a major role in calculating the mortgage rate you'll qualify for. Even a small improvement could save you thousands of dollars over the life of a loan. This waiting period is a great time to beef up that score for a better purchase position. 
While you're waiting, focus on: 
Paying bills on time
Reducing existing credit card balances
Avoiding new debt
Reviewing your credit report for errors 
Think of this period as an opportunity to strengthen your financial profile before mortgage lenders take a closer look.
3. Pay Down Existing Debt
Lenders pay close attention to your debt-to-income (DTI) ratio when evaluating mortgage applications. The lower your monthly debt obligations, the more attractive you may appear as a borrower. Take some time to do the math and figure out what your debt-to-income ratio is. If it’s uncomfortably high, make some changes. 
Reducing debt can improve both your borrowing power and your overall financial flexibility once you become a homeowner. 
For more information about credit scores in general, listen to one of our podcast episodes “What the Heck is Credit and Why is it Important” for an expert explanation on building and maintaining a good credit score. Check the link in the show notes.
4. Build an Emergency Fund
It's easy to focus entirely on saving a down payment, but homeownership comes with unexpected expenses. Water heaters fail, roofs leak, and appliances don't always cooperate. 
Before buying, aim to have an emergency fund that can cover several months of living expenses. Having cash reserves can help prevent a surprise repair from turning into a financial setback. 
5. Research Your Future Neighborhoods
The waiting period can also be a great time to become a more informed buyer. Doing preliminary work and research is always a good idea, because it helps you further solidify where you really want to live. This is important because it’ll decrease the chance of buying a home so abruptly that you didn’t get a chance to consider the location. So, you put in the offer, signed the contract and finally moved in only to realize you hate the neighborhood. These days things move quickly, so having a firm understanding on locations can help you rest easy knowing you're making the right move when you buy. 
Spend time researching things like: 
School districts
Property taxes
Commute times
Local amenities
Future development plans 
Environmental factors – human-caused (like contaminated water or natural like flooding risk) 
While researching, visit neighborhoods at different times of day and on weekends. What looks perfect during a Sunday afternoon visit may feel very different during a weekday rush hour. 
6. Create a Realistic Homeownership Budget
Many buyers focus primarily on the mortgage payment, but that's only part of the equation. Homeownership brings with it many added costs. Take some time, do research and develop a budget that will include not only the mortgage but added payments you can expect to make down the road including: 
Property taxes
Homeowners insurance
Utilities
Maintenance and repairs
HOA fees, if applicable 
A useful exercise is to "practice" the future payment. If your current rent is $1,800 and you expect a future housing payment of $2,500, try setting aside the extra $700 each month. This can help you test your budget while increasing your savings. 
7. Avoid Major Financial Changes
If you expect buying within the next year, it's wise to avoid actions that could complicate a future mortgage application. 
Be wary and try to avoid changes that can disrupt your financials like: 
Taking on large amounts of new debt 
Financing expensive purchases
Frequently opening new credit accounts
Making large unexplained bank deposits 
Consistency and stability often work in your favor during the mortgage approval process.  
Waiting to buy a house can feel frustrating, especially when you're eager to move into a place of your own. But the time before your purchase can be one of the most valuable parts of the homebuying journey. 
By strengthening your savings, improving your credit, reducing debt, and preparing for the realities of homeownership, you'll be positioning yourself for a smoother purchase and a stronger financial future. When the right house finally comes along, you'll be ready to move forward with confidence. 
If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.          
Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

We’ve all been there—you open an email and something just doesn’t feel right. Maybe it’s an unexpected attachment, a link asking you to “act fast,” or a message that looks like it came from a coworker but sounds off. 
Knowing how to spot a suspicious email is important. But what really makes the difference is how you respond. A quick, thoughtful reaction can stop a potential issue in its tracks, while the wrong move can accidentally make things worse. 
Links:
Learn more about KnowBe4 fraud awareness and training tools
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal Podcast. 
This tip comes from an article provided by KnowBe4 security Awareness and Training Solutions.   
First of all, let's look at what you should not do with a suspicious email. You should not respond to it. It’s natural to want to confirm legitimacy, especially if the message appears to come from someone you know. But if the account has been compromised, you’re not talking to your friend or coworker—you’re talking to a scammer. Even a simple reply signals that your email is active and monitored, which can make you a bigger target going forward. Instead, verify through another channel if needed, like a direct phone call or a fresh email you initiate. 
Secondly, don't click any links or attachments. Suspicious emails often include links that redirect to fake login pages to get your credentials or attachments that download malware. Sometimes the signs are subtle. You might click expecting a document, only to get a login request or a strange pop-up instead. If anything behaves unexpectedly, stop immediately. That’s a red flag. 
If you receive a suspicious email, don't forward it to others. When something doesn’t look right, it’s tempting to ask someone else for a second opinion. But forwarding a suspicious email spreads potential risk. If it’s malicious, you’ve just exposed someone else to the same threat and increased the chances that someone clicks. 
Now that we've gone over what not to do, here's what you should do with a suspicious email. You should report it right away. The most important step is also the simplest: report the email using the email service's report option or if you are at work, your organization’s security tools. Once you've reported it, leave it alone. Don't click it, don't reply, and don't download it. 
If you're unsure if the email is malicious, it is best practice to ignore it. If you receive an email at work that you are unsure of, reach out to your organization's IT team. It’s always better to ask than guess. There’s no downside to being cautious. 
Trust your instincts when it comes to spotting suspicious emails. Watch out for common warning signs such as urgent messaging, like language pressuring you to act now. Other warning signs include unusual requests such as asking for login credentials or gift cards and inconsistencies in the email like typos or odd formatting.  
In a fast-paced day, it’s easy to click first and think later. But when it comes to email security, a few seconds of pause can save you a lot of trouble. No need to overanalyze or investigate on your own. Just avoid the common pitfalls, follow the process, and let the experts take it from there. Staying secure is about being aware, cautious, and consistent. 
If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.          
Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

The college funding space is always changing which can create new challenges for students and parents as they venture forward with their higher education planning. In this episode, Micha Sabovik, Vice President, Growth & Lending Solutions at Granite Edvance, shares important updates on what's new in the student lending space, upcoming changes to be aware of and strategies students and parents can follow to choose the right funding for their higher education.
Links:
Access free resources, book one-on-one appointments, and find links to helpful tools and guides: https://graniteedvance.org/plan-your-journey/get-our-help/
Explore financial aid resources: https://graniteedvance.org/find-your-direction/resource-library/
Check out Granite Edvance's YouTube Channel: https://www.youtube.com/@GraniteEdvance
Get official FAFSA forms and helpful wizards to determine dependency status and required contributors: https://studentaid.gov/
Check out TCU University for financial education tips and resources: https://triangleuniversity.org/
Learn more about Triangle Credit Union: https://www.trianglecu.org/
Update: The topic of changes to the federal direct loan program related to professional degrees was discussed on this podcast; since the recording, the effective date of these changes has been put on indefinite hold pending the outcome of certain litigation that is referenced in the podcast. Depending on the outcome of that litigation, these program changes may differ from the description on the podcast or could be struck down altogether.
Disclaimer: The views, thoughts, and opinions expressed are the speaker’s own and do not represent the views, thoughts, and opinions of Granite Edvance. The material and information presented here is for general information purposes only and is believed to be materially accurate at the time of this recording; however, information presented is subject to change without notice and should not be construed as a commitment by Granite Edvance. For current information about our products and services, please see our website at graniteedvance.org.