Making Money Personal

Tips to Save Money This Summer - Money Tip Tuesday

Today we’re talking about something that hits almost all of us the moment the temperatures rise: summer spending. Between cooling the house, planning outings, and trying to squeeze in a little fun, costs can creep up fast. But the good news is that saving money this summer doesn’t have to feel like a punishment — it can actually feel empowering, even enjoyable. 
Links:
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
Let’s start with the big one: keeping your home cool without melting your budget. One of the most effective ways to cut summer energy costs is simply making sure your home isn’t leaking cool air. Proper insulation and sealing gaps around windows and doors can help keep the cold air in and the hot air out, reducing the workload on your AC and lowering your energy bills.  
And speaking of AC, maintaining it is one of the easiest ways to save money. Cleaning or replacing filters regularly helps your system run more efficiently and prevents it from working harder than it needs to. That means less energy used and fewer surprise repair bills.  
But you don’t have to rely on AC alone. Fans  can make a room feel cooler by circulating air and opening windows during cooler parts of the day and closing them when the heat kicks in can also help regulate indoor temperatures naturally.  
Now let’s talk about summer activities, because this is where budgets often go off the rails. You don’t need a pricey vacation to enjoy the season. In fact, exploring local destinations or planning a staycation can save you a significant amount of money while still giving you that sense of escape. Many communities host free or low‑cost events that offer plenty of entertainment without the hefty price tag, such as concerts, festivals, and outdoor movies.  
If you are traveling, timing matters. Traveling during off‑peak periods can lead to lower prices on flights, hotels, and attractions. And don’t underestimate the value of rediscovering your own area — sometimes the best adventures are right in your backyard.  
Another area where summer spending spikes is food. Between barbecues, picnics, and the temptation to eat out more often, food costs can add up quickly. Cooking at home can save you money and make meals feel more special. Seasonal fruits and vegetables are often cheaper, fresher, and tastier, making them perfect for simple summer dishes. If you want to take it a step further, consider starting a small garden. Even a few herbs or vegetables can cut grocery costs and give you a fun summer hobby.  
Let’s shift to transportation, because gas prices often rise in the summer and they are already high enough. Running errands on the same day instead of spreading them out can help you use less fuel. Keeping your tires properly inflated improves gas mileage, and filling up early in the week when prices tend to be lower can save you a few dollars each time. Using rewards programs or cashback apps can also help offset fuel costs.  
Finally, let’s talk about budgeting, because even the best tips won’t help if you don’t have a plan. Creating a summer‑specific budget allows you to anticipate higher expenses like utilities, travel, or events and set realistic limits for them. A clear budget helps you prioritize what matters most and avoid the stress of overspending.  
Summer is meant to be enjoyed, and saving money shouldn’t take away from that. With a few intentional choices,  you can have a summer that’s both fun and financially smart. Here’s to a season full of sunshine, good memories, and a little extra money left in your pocket! 
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.

Spring Cleaning Your Finances: What to Review, Cut, & Optimize - Money Tip Tuesday

Spring is a season of fresh starts. Closets get cleaned out, garages get organized, and routines reset after a long winter. But while many people focus on their homes, their finances often go untouched—because money habits tend to collect clutter just as easily. 
Links:
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
For many people, spring is an ideal time to reset financially. Life changes quickly at this stage, and small inefficiencies can quietly add stress or hold you back. A financial spring cleaning doesn’t require perfection or dramatic changes—it’s about reviewing what you have, cutting what no longer serves you, and optimizing what you keep. I’ll call this the three-step Financial Cleaning Plan: Review, Cut, and Optimize.   
Before you cut or optimize anything, you need a clear picture of where you stand. Think of this as opening all the closet doors before deciding what stays.   
With a clear overview established, let's begin the Financial Cleaning Plan with step one: Review.  
Identify all income sources like primary checks, bonuses, commissions, and side income. Note any recent changes, such as job switches or raises. The key is understanding what actually comes in each month, which sets the foundation for every other decision you’ll make going forward.  
Next, review your monthly spending patterns. Check where your money goes each month.  
Scan the last two or three months of transactions and group expenses into two categories: Fixed expenses (rent, mortgage, childcare, insurance) and variable spending (food, entertainment, convenience purchases).  
Don’t be alarmed if your variable expenses over the last few months come in a little higher than you thought. Winter often brings higher spending, and habits formed during busy seasons can linger longer than expected.  
Check your debt balances. Make a list of all debts—credit cards, student loans, and auto loans. Record current balances, interest rates, and required monthly payments. Don’t get discouraged if your total debt balance gets you down. This part of the review isn’t about judgment. It’s about awareness.  
Finally, review your savings and emergency funds. Check what you have set aside for unexpected expenses. Will your fund still cover many of the more common emergency expenses? Can it help out with an unexpected job loss? A sudden medical emergency, a quick home repair? 
As life changes, families grow or careers evolve, the savings targets need to evolve too.  
Alright, the first step was Review. The second step of our three-part plan is to cut:  
Start by identifying what’s no longer serving you. Once you clearly see where your money goes, cutting becomes easier—and less emotional.  
Start by reviewing your streaming platforms, app subscriptions, gyms, and delivery memberships. Remove or cancel any that haven't been used recently.  
Watch for lifestyle creep. As income increases, spending often quietly follows. Look for convenience costs that climbed during hectic seasons and any spending that doesn’t align with your priorities or values.  
Reduce high‑interest costs. Identify high‑interest credit card balances or unnecessary fees. Cut what you can to create relief.  
Eliminate overlap. Identify multiple savings accounts, outdated insurance coverage, or redundant financial tools and remove those that add confusion to your financial plan.    
Now we’re onto step three: Optimize—improve your finances so what remains works better for you.  
One of the best optimization strategies is to automate your finances. Set up automated savings transfers, bill payments, and retirement contributions. The best part about this is that all you have to do is set it once, then let it run.   
Review your savings goals. Adjust your emergency fund for lifestyle changes. Update short- and long-term savings priorities, such as travel, home projects, retirement, or education, and use an automatic savings tool to adjust the contributions to those funds.  
Optimize by improving your debt strategy. Ask whether your current repayment plan still makes sense. Could refinancing lower the interest rate? Should higher‑interest balances be prioritized more aggressively? Does your strategy match your current cash flow? Would a debt consolidation move help? Make the right adjustments to answer these questions and consider taking steps towards active debt refinancing or consolidation if needed.   
And finally, optimize any of your employer benefits. Take time to review your retirement plan contributions, any HSA or FSA use, and insurance choices. Confirm you are making the most of what is offered.  
To wrap up, you don’t need a complete overhaul to feel in control. With review, cut, and optimize, head into warmer months with clarity and confidence.  
In spring cleaning season, your finances deserve some attention, too. A little cleanup can leave you lighter, calmer, and more prepared for the future. 
If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. 

Four Fantastic Ways to Use a Home Equity Line of Credit (HELOC) - Money Tip Tuesday

A Home Equity Line of Credit can be an extremely useful tool to fund a variety of things in life. If you own a home, tapping into your home’s equity for projects, plans and expenses can be a smart way to cover costs. Keep listening for some helpful ways to use a home equity line of credit. 
Links:
Learn more about Triangle's HELOC program
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.  
Your home isn’t just where life happens—it can also be one of your most powerful financial tools. A Home Equity Line of Credit (HELOC) lets you tap into the value you’ve already built, giving you flexible access to cash when you need it most. But too often, homeowners overlook just how strategic a HELOC can be when used thoughtfully. From upgrading your living space to unlocking new opportunities, the right move can turn your home’s equity into long-term gains. Here are four fantastic, smart, and practical ways to put a HELOC to work—and make your home work harder for you. 
Home repairs and renovations. Using a HELOC for home repairs or renovations allows you to reinvest directly into the asset that’s generating the equity in the first place—your home. Whether you’re updating a kitchen, replacing a roof, or adding a home office, these projects can improve both daily comfort and long-term property value. A HELOC is especially appealing because it typically offers lower interest rates than credit cards or personal loans, and you only borrow what you need as expenses arise. The flexibility of a revolving credit line also makes it easier to manage phased renovations or unexpected repair costs.
Another great use of a HELOC is to fund education. Education is an investment that can pay dividends for decades, and a HELOC can be a cost-effective way to cover tuition and related expenses. Compared to private student loans, HELOCs often offer lower interest rates and more flexible repayment options. Homeowners may use a HELOC to fund a child’s college education, graduate school, or career-advancing certifications. The ability to draw funds as needed works well with semester-based tuition schedules. For families seeking an alternative to high-interest education loans, a HELOC provides flexibility without locking into rigid terms.
A third great use is for important life events or major purchases. Life’s biggest moments—such as weddings, medical expenses, starting a business, or purchasing a recreational vehicle—often come with substantial costs. A HELOC provides access to funds when timing matters, without requiring you to drain savings or sell investments. Because it’s a revolving line of credit, you can borrow exactly what you need and repay it over time. Many homeowners choose HELOCs for major purchases due to lower interest rates compared to credit cards. This approach offers a practical way to cover large expenses while maintaining financial flexibility.
A fourth great use is to use it for debt consolidation. A HELOC can be a powerful tool for simplifying and lowering high-interest debt. By consolidating credit cards, personal loans, or medical bills into one lower-interest payment, homeowners can potentially save thousands in interest over time. Managing a single monthly payment also makes budgeting easier and more predictable. Since HELOC rates are usually much lower than unsecured debt, more of each payment goes toward reducing the principal balance. For those feeling overwhelmed by multiple debts, a HELOC can provide a clear path toward financial breathing room—when used responsibly. 
A HELOC isn’t just about access to extra cash—it’s about flexibility, opportunity, and smart financial planning. Whether you’re reinvesting in your home, investing in education, managing life’s major expenses, or regaining control of debt, the right use of a home’s equity can create meaningful long-term benefits. As with any financial decision, careful planning and disciplined repayment are key but when used wisely, a HELOC can help turn the equity you’ve built into a powerful resource for your next chapter. 
If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

Episode 91: Scholarships, Grants and Other College Funding Opportunities | Granite Edvance

In this episode we chat with Sharleigh Thomson, Education Funding Specialist at Granite Edvance about non-loan financial aid options like scholarships, grants, and work-study opportunities.
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/
Get in touch with Granite Edvance: https://graniteedvance.org/about-us/contact-us/
Book appointment: https://calendly.com/graniteedvance
Explore various 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/
View episode transcript. *This transcript was generated using AI and may contain errors or inaccuracies.
 

Smart Reasons to Bank at a Credit Union - Money Tip Tuesday

If you’ve ever looked at your bank statement and wondered where all those fees came from or asked yourself if your money could be working a little harder, you’re not alone. Today, we’re talking about an option that a lot of people overlook: credit unions. 
Links:
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
Credit unions might not have the flashy ads or giant skyscrapers of big banks, but they offer some serious advantages. Let’s break down what makes credit unions different and why banking at one could be a smart move for your financial future. 
First things first: credit unions are member-owned, not-for-profit financial institutions. That sounds technical, but here’s what it means: when you join a credit union, you’re not just a customer; you’re an owner. 
Unlike traditional banks, which exist to generate profits for shareholders, credit unions reinvest their earnings back into the institution. That often shows up in the form of lower fees, better interest rates, and improved services for members rather than profits going to investors.  
This member-first structure shapes everything from customer service to lending decisions. Credit unions tend to take a more personal, relationship-based approach instead of treating members like account numbers. 
One of the biggest reasons people switch to credit unions is simple, they have better rates. According to data from the National Credit Union Administration, credit unions consistently offer lower interest rates on loans, including auto loans, credit cards, and mortgages, while often paying higher dividends on savings accounts compared to banks.  
For example, average interest rates on auto loans and credit cards are often significantly lower at credit unions. Over the life of a loan, that difference can save you hundreds or even thousands of dollars. Higher savings rates help your money grow faster, even if the difference seems small at first. 
Where a lot of people feel burned by big banks is with fees. Monthly maintenance fees, overdraft fees, minimum balance requirements, and more, add up quickly. Credit unions generally charge fewer and lower fees because they’re not driven by profit goals. Many credit unions offer free checking accounts, lower overdraft penalties, and more flexible balance requirements than traditional banks. That means more of your money stays where it belongs: in your pocket. 
Customer service isn’t just a buzzword for credit unions. Year after year, credit unions rank at the top for customer satisfaction. The American Customer Satisfaction Index regularly reports that credit unions outperform banks in overall satisfaction, including areas like courtesy of staff, trust, and transparency. That lines up with what many members experience, such as shorter wait times, local decision-making, and a genuine interest in helping members succeed financially. 
Credit unions are deeply rooted in the communities they serve. Instead of funneling profits out of town or out of state, they often reinvest locally through small business loans, community programs, and financial education initiatives. By banking at a credit union, you’re not just improving your own financial situation, you’re helping support your local economy. 
One common myth is that credit unions are less safe than banks. That’s simply not true. Federally insured credit unions protect member deposits up to $250,000 per account, just like banks do, only through the National Credit Union Administration instead of the FDIC. The bottom line is your money is just as secure. 
So, are credit unions perfect for everyone? For people who value better rates, fewer fees, stronger service, and community impact, credit unions are absolutely worth considering. Banking doesn’t have to feel impersonal or expensive. Sometimes the best financial choice isn’t the biggest name, it’s the one that puts people first. 
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. 

Safeguarding Your Child’s Identity in Today's World - Money Tip Tuesday

Who would have thought that children can be victims of identity theft? The sad truth is that kids become identity theft victims more often than we realize. If you’re concerned about the possibility of your child becoming a victim, keep listening, because we provide some helpful ways to safeguard their identities from thieves. 
Links:
Learn more about Triangle's Better Checking account with identity theft protection and to view your credit report and score
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. 
Child identity theft isn’t something we often think about. However, it occurs more often than you might expect. According to Javelin’s Child Identity Fraud Report, child identity theft affects 1.25 million kids every year, which translates to about one in 50 children in America. When you see those numbers, it becomes apparent that we must act now to protect the children in our lives. 
What Is Child Identity Theft?  
According to the Federal Trade Commission, “Child identity theft happens when someone takes a child’s sensitive personal information and uses it to get services or benefits or to commit fraud. They might use your child’s Social Security number, name and address, or date of birth.”  
Child identity theft happens for a multitude of reasons. The perpetrator could use this information to open a bank or credit card account, apply for government benefits, or even sign up for a utility service or rent a place to live. Much like other types of identity theft, it can be easy for this type of identity theft to remain undetected for months or even years.  
How It Happens 
As with adults, identity theft against children can be perpetrated through a variety of sources. Below we have listed some ways that children's personally identifiable information (PII) could be exposed and then potentially used for fraudulent purposes. 
Data Breaches. Kids’ personal identifying information is in so many places, and nothing is completely secure. Schools, doctors’ offices, and your home can all experience security breaches. After a child's confidential information or PII is exposed, whether the data breach incident is accidental or with malicious intent, the security breach cannot be undone. Often, criminals will wait to utilize confiscated information for their own purposes.  
Familial Fraud. Three out of four cases of child identity theft come from those close to the victim, in what is known as familial fraud, and often occur in correlation with other forms of abuse, according to Javelin's Child Identity Fraud Report. Kids are often more trusting than adults, especially when they know the person who is asking for their information. Unscrupulous individuals at times utilize the PII of their own children, or children they know through family or friends, for their own benefit. 
Phishing. These scams don’t just target adults. Children that use the internet without parental supervision have a higher chance of giving their sensitive information to a scammer, not realizing that they are being tricked. Kids don’t always know not to share their birth date, place of birth, and passwords with strangers or online “friends.”  
Hacking. As more children have their own devices, and often multiple devices (computers, tablets, and phones), hacking becomes more common. Hackers can gain access to the information stored on these devices and can also log in to social media accounts, which they could use to attempt to defraud friends and family, acting as your child. 
Warning Signs of Child Identity Theft 
Regardless of the way the information makes it into the hands of identity thieves, below are some warning signs that your child's identity may have been stolen: 
Unexpected Mail. Your child begins receiving credit card offers, collection notices, or bills under their name. 
Collection Calls. You or your family members begin to receive calls from collection agencies for unpaid bills in your child's name. 
Government Benefits Denials. Your child is denied government benefits because they are already being claimed, when this is not the case. 
IRS Notifications. The IRS contacts you or your child about your child owing taxes or indicates that their SSN was used on another tax return. 
How You Can Help Protect Your Children  
The best way to help protect your family from identity theft is to be proactive in helping to prevent it. The most effective preventative measure is education. This type of education will not only help protect them now, but it is information that will benefit them as adults.  
Keep Important Documents in a Secure Location. Keep your family’s personal identifying information in a secure place in your home, be selective about what services you sign up for, and don’t give your information unless it is necessary. Make sure that any important documents in your home, such as Social Security cards, birth certificates, or other legal documents, are stored securely to avoid compromise. 
Share Personal Information with Caution. Assess the need before listing your child’s Social Security number (SSN) on forms. Schools and school break camps shouldn’t be using it as the only unique ID for each child. If an SSN is required, don't be afraid to ask if it's ok to share only the last 4 digits of your child's SSN. 
Educate Your Child. Talk to your child about the importance of privacy and the dangers of sharing personal information online and offline. Ensure that your child isn't sharing personal information like their birthdate, address, or school on social media, other online platforms, or with other individuals without your permission. 
Secure Your Mail. If you're sending or receiving mail with personal details, especially if those personal details pertain to your children, consider using a mailbox that locks or opt for electronic delivery. Retrieve your mail daily as soon as possible. Consider opting into the U.S. Postal Service’s “Informed Delivery” service. It’s free to sign up, and it will provide a Daily Digest email that will preview your mail and packages scheduled to arrive soon, along with an image of each of your incoming letter-sized mail pieces. This will help you stay vigilant if any missing mail never arrives.  
Discard Unnecessary Documents with Care. If you have postal mail or other important documents that you no longer need to keep on file, make sure that you use a cross-cut shredder to securely destroy the paperwork. Criminals can engage in "dumpster diving" to retrieve discarded paperwork with personal information, potentially compromising you and your family. 
Monitor Your Child's Personal Information. If you have Triangle’s Better Checking, you and your family are covered with dark web monitoring. This benefit monitors your personal information and any registered credentials. You have the option to add additional credentials in your secure account as well; you could consider adding your child's SSN or other identifiers to monitor any potential compromise or exposure on the dark web. 
Child identity theft can have long-lasting consequences, potentially impacting your child's credit and future opportunities. By remaining vigilant, educating your child, and keeping a close eye on his or her personal information, you can help better protect your child from the impacts of identity theft. 
While these recommendations are designed to help protect your children’s identities, they can apply to your own personal information as well. Remember to communicate with caution and treat all personal information with care, whether it belongs to you or your loved ones. 
 We Are Standing Ready to Help 
 If you suspect identity theft or you find your personal information has been compromised, you have access to a team of professional Identity Theft Recovery Advocates as a no-cost benefit of your Better Checking account. These professionals are trained and ready to help you reverse the damage and get back on track quickly. Our experienced advocates know how to spot identity theft and, when necessary, will support you through the process of repairing any damage. 
If you suspect identity fraud has affected any member of your family, even your minor children, our team of Identity Theft Recovery Advocates is standing by, ready to support you and your family. They are experienced in spotting child identity theft and supporting you through the process of repairing the harm it may cause now and in the future. 
If you do not currently have a Better Checking account, visit trianglecu.org/bank/checking to learn more. 
If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. 

5 Goals for Financial Literacy Month - Money Tip Tuesday

Financial Literacy Month is the perfect opportunity to pause, reflect, and take meaningful steps toward a healthier relationship with money. In this tip, we’ll share five goals that outline simple, actionable steps that help you build financial stability, reduce money stress, and make smarter financial decisions. 
Links:
Watch our Budgeting 101 Webinar
Learn more about saving with Triangle's Goal Builder tool
Listen to our tip for some great financial books
Learn more about Triangle's Better Checking account with identity theft protection and to view your credit report and score
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
Financial literacy isn’t about having a high income or being an expert in investing—it’s about understanding the basics well enough to make confident, intentional decisions with your finances. Small, consistent actions can create powerful momentum over time, no matter where you’re starting from.  
This Financial Literacy Month, try one or all of these goals for a stronger financial future.  
Develop your budget system.
A budget isn’t about restriction—it’s about awareness and intention. Having a clear system for tracking income and expenses allows you to tell your money where to go instead of wondering where it went. Whether you prefer a spreadsheet, an app, or the envelope method, the “best” budget is the one you’ll actually use consistently. A solid budget forms the foundation for every other financial goal, from saving to debt payoff. This month, choose one budgeting method today and hold your first budge meeting. Not sure where to start? Check out our budgeting basics webinar on YouTube for actionable steps and a workable budget sheet. 
Start that emergency fundand add your first deposit.  
An emergency fund protects you from life’s surprises—car repairs, medical bills, or sudden income changes—without relying on credit cards. Even a small cushion can reduce financial stress and prevent debt from spiraling. The goal isn’t to save everything at once but to build the habit of saving consistently. Starting is the hardest part, and momentum builds from there. 
This month, open a dedicated savings account and deposit your first $25–$100. Consider using a tool like Triangle’s Goal Builder to select the account and track the saving. 
Read at least on personal finance book.
Financial literacy grows with knowledge, and books provide structured guidance that social media often can’t. Reading just one solid personal finance book can shift how you think about money, risk, and long-term planning. Learning from experts helps you avoid costly mistakes and adopt proven strategies. Education is one of the highest-return investments you can make. 
Pick one reputable personal finance book and commit to reading it over the course of the month. We have some past tips with a list of a few good ones if you’re looking for a little inspiration. Not a reader? Try an audio book or a financial-themed webinar on YouTube. 
Put an extra payment towards one debt.
Debt can quietly drain your future income through interest, especially on high-interest balances. Making an extra payment—even a small one—reduces both your balance and the total interest you’ll pay over time. This step also builds confidence by proving you can actively make progress. Psychological wins matter just as much as mathematical ones. 
Choose one debt and make one additional payment toward the principal this month. 
Check your credit score and report.
Your credit score affects everything from loan approvals to interest rates and housing options. Regularly reviewing your credit report helps you catch errors, spot fraud early, and understand what factors influence your score. Many people avoid checking their credit due to fear, but knowledge is empowering. Awareness gives you the opportunity to improve. 
Pull your free credit report and score this month and review it for accuracy. There are a few well-known websites out there you can use, or if you have a Better Checking account at Triangle, you can access it through the Better Checking app.  
So, to recap, your goals to try this month are, choose a budget method, set up an emergency fund, read a personal finance book, put one extra payment towards a debt, check your credit score and report. 
Take charge this financial literacy month, and start out on the right track to a better financial future.  
If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.  
Have a great day! 

Frugal Habits That Can Save You Money - Money Tip Tuesday

Making smart choices with your money doesn’t have to mean giving up the things you enjoy. By adopting a few practical frugal habits, you can stretch your budget further, reduce financial stress, and build a stronger foundation for long-term savings. 
Links:
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money  Tip Tuesday from the Making Money Personal podcast. 
Saving money can be tough. It takes planning, discipline, and dedication. Still, with some careful planning, frugality, and creativity, you can make it work. 
There are ways to adjust your daily choices toward more frugal options to boost your savings game.  If you try out some of these frugal habits, you may find yourself saving money faster than you thought. 
1. Cook more at home, dine out less.  
Cooking at home has a lot of benefits. It’s usually healthier because you control the ingredients, so there are fewer additives. It also helps you spend less on food. Even though grocery costs are still high, you can ensure savings by choosing meals carefully and keeping recipes simple. Complicated meals with special ingredients can get expensive and might leave you buying things you rarely use. 
Don’t plan too many different meals in one week. Cooking something new every night can create leftovers that might go to waste. Plan a few nights for eating leftovers to save time and avoid wasting food. 
Learn which foods can be used as substitutes. This way, you can use what you already have at home instead of making extra trips to the store. 
Cook in bulk and freeze for later meals. Try making a double batch of something to freeze for later use. This works especially well for casseroles, meatballs, and even soups.   
Turn saving money into a fun challenge. For example, try the Pantry Challenge: see if you can make meals using only what’s already in your fridge or pantry, without going to the store. 
2. Reuse and repurpose when you can  
Repurposing items gives old things new life, helps the environment by reducing waste, and saves you from buying new stuff. Try finding ways to reuse items around your home. For example, use old t-shirts as cleaning rags or paper towel substitutes. Empty glass jars and shoeboxes make great storage containers; old sheets and towels can be used as drop cloths or cleaning cloths; wine corks, or cardboard are useful for homemade cork boards; paper egg cartons make great seed starters .and reusing gift bags and tissue paper can help you save, as long as they’re not damaged.  
There are many more ideas out there. For more inspiration, search online or check out Pinterest. Try searching for “recycled crafts,” “repurposed items,” or “upcycling ideas” to find creative ways to turn old things into something useful. 
3. Check your library for free stuff.  
Our local libraries provide some amazing resources. They offer a wide range of free resources, including audiobooks, learning platforms, streaming services, and more. Some also have their own programs to rent items like cameras, game consoles, and other gear, and to share programs like a seed exchange where members can take and share seeds for their vegetable or flower gardens – all for free! It’s also worth noting that most libraries will offer passes to nearby attractions for a discount on admission – although it’s not 100% free, it’s still a savings opportunity.   
4. Do more things at home.  
Try having date nights at home instead of going out. There are plenty of ways to make a fun and relaxing evening at home. If you enjoy spending time with friends, host a game night, movie night, or music night. Let your imagination guide you. 
5. Use coupons and rewards programs.  
Don’t miss out on chances to save. Check for coupons and look at your grocery store’s deals flyer when making your shopping list. Sign up for rewards programs that offer cash back—you could save a lot over time. Browser extensions like Edge, Honey, and others can also help, but make sure to do your own research. We are not endorsing any specific products.
6. Buy used items when possible.  
Try to buy used items first. Books, clothes, and many other things can be a good deal if they’re in good condition. Check out apps like Facebook Marketplace, eBay, Poshmark, and others for gently used items. You can even find outdoor gear like bikes, kayaks, or scooters used. 
These are just a few ideas to get you started. If you have a frugal habit that’s helped you, share it with us on social media. Let us know how you save money every day—your tips could inspire others to save more too. 
If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.

Buy Local! Support Mom and Pop Businesses this Week - Money Tip Tuesday

Local businesses-- they’re the lifeblood of our communities, providing our towns and cities with services, places, and products that keep us running every day. Take some time to appreciate the local businesses that serve your community on National Mom and Pop Business Owners Day. 
Links:
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
Every year on March 29, National Mom and Pop Business Day invites us to pause and appreciate the small, family‑owned shops that give our communities character, creativity, and connection. These businesses—whether a corner bakery, boutique, repair shop, café, or specialty store—represent far more than a transaction. They’re the backbone of neighborhoods, the spark behind innovation, and the heart of local economies.  
This year, as shoppers and communities adjust to rapid shifts in retail and technology, supporting local businesses has never been more significant. Here are some compelling ways to support your local businesses this National Mom and Pop Business Day.  
Choose Local Businesses Over Big Corporations  
The clearest—and most significant—way to champion local businesses is to choose them over big-box retailers or national chains, even if it costs a bit more. Small businesses depend on your purchases to meet expenses, retain employees, and continue offering the products or services you rely on. Large chains may have lower prices, but shopping locally keeps your money in the community and directly benefits the people who serve you. Sometimes, a small premium makes a vital difference in helping a neighborhood business prosper.  
Follow and Engage With Your Favorites on Social Media  
Social media engagement is more than just numbers —like followers, shares, or comments—it’s a powerful tool for growing small businesses. By liking, commenting on, and sharing content from your favorite local shops, you raise their online profile. Interaction improves their visibility in algorithms, allowing new customers to discover them. A quick comment or share takes seconds but can powerfully boost a small business’s ability to connect with its community.  
Refer Local Businesses to Friends and Family 
One of the best contributions you can make to a small business is a sincere referral. If you’ve enjoyed a great experience, don’t keep it private—tell your friends, family, coworkers, and neighbors. When someone needs a product or service, recommend a local alternative. Word-of-mouth recommendations remain among the strongest drivers of new business for small shops and often outperform advertising. Beyond spending money with them, sharing your positive experience is one of the most effective ways to help them grow.  
Sign Up for Email Newsletters and Rewards Programs 
Following a business on social media is helpful, but signing up for their email newsletter takes your support to another level. Emails allow businesses to share tailored offers, exclusive discounts, new product launches, and updates on local events—many of which never make it to social media. You’ll be the first to hear what they’re up to, and they gain a reliable way to stay connected with their customers. Along this same note, if they offer a reward or loyalty program, join in! These programs not only give you perks, but they also help ensure you continue returning and showing love to the businesses you care about. 
Supporting your local businesses is a meaningful and worthwhile investment that benefits the entire community. This upcoming National Mom and Pop Business Day, make a thoughtful effort to show appreciation for the small businesses in your area that work every day to keep the community thriving.  
If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.  
Have a great day! 

Episode 90: Affording Life in 2026: Budgeting, Trade‑Offs, and Tough Choices

In this episode we discuss the current affordability challenges faced by many, with a focus on rising costs of living. We share personal experiences, such as the high cost of groceries and housing as well as some strategies to cope that include budgeting, refinancing loans, and reducing discretionary spending.
Links:
(Ad) Learn more about Triangle's special auto refinance rate: https://www.trianglecu.org/borrow/auto/
Check out TCU University for financial education tips and resources!
Follow us on Facebook, Instagram and Twitter!
Learn more about Triangle Credit Union
View episode transcript. *This transcript was generated using AI and may contain errors or inaccuracies.