Making Money Personal

Fraud Prevention: Protect Your Accounts with Multi Factor Authentication - Money Tip Tuesday

Single factor authentication is no longer enough to keep your accounts secure… today we should always take advantage of Multi-factor Authentication. Multi-factor authentication or MFA for short is the process of verifying that you are who you claim to be when logging in to an account.
This tip comes from an article provided by KnowBe4 Security Awareness and Training Solutions. 
Learn more about KnowBe4 Security Awareness Training 
Get identity protection for your and eligible family members with a Better Checking account
For more MFA resources check out Google Authenticator and Authy.
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Transcript:
Welcome to Money Tip Tuesdays from the Making Money Personal Podcast! 
So, what is Multi-factor Authentication exactly? Multi-factor authentication or MFA for short is the process of verifying that you are who you claim to be when logging in to an account.  
Lets use logging onto Amazon as an example. Amazon has both single factor and multi factor for their customers however when creating your account, it is defaulted to single factor, in other words, it only requires your regular password to get in. You will need to go into your account settings and manually turn on multi factor authentication. What this will do is that in addition to your password being required to log on, Amazon will also require you to enter a six digit numerical code. You get this code sent to you in a couple of different ways. 1 via text message, 2 via email, or a phone call that has a robot telling you the code. Another way to get it, and this is my favorite, is that you go into an app on your phone that has the code in there already and it changes every minute. There are a couple of different apps you can use. Google has one called “Authenticator” and there is another popular one called “Authy.” These are certainly not the only ones out there but they are the most popular. Go to your favorite search engine and type in “Best Authenticator Apps” and read reviews to get a sense of what would work best for you.  
So what can you use MFA for? MFA can be turned on and used for numerous accounts and devices. I have it turned on for finance websites like my online banking, shopping websites like Amazon, social media accounts, and my email.  
In addition to a code being delivered to you, you can also opt to enter a PIN or something that you know. This is something you’ve memorized. You must supply the correct PIN to log in to your account.  
Why do you need it? I highly highly recommend you run to your nearest online account and turn this feature on. In our digitally-driven world, passwords are no longer enough to keep your information safe. These days, it takes minimal effort for hackers to break into, or social engineer their way into, accounts that are only protected by passwords. Adding an extra step to access your accounts, such as entering an authentication code, means that hackers would also need to have your phone to break in. 
Create an additional layer of security and make it harder for criminals to access your data by using multi-factor authentication. If you need help turning this feature on feel free to send us an email an TCUpodcast@trianglecu.org and we’ll get in touch.  
Do you have any additional tips or advice that will help our listeners with this topic or other financial matters? Send us an email! That email address again is TCUPodcast@trianglecu.org or look for our Facebook page and get connected!  
Thanks for listening to today’s Money Tip Tuesday and be sure to listen to our other tips and episodes on the making money personal podcast.  
Take care. 

Top Scholarship Apps to Try Out - Money Tip Tuesday

Once you complete the FASFA for your soon-to-be college Freshman, your next move is to find the best scholarships to help supplement the cost of the undergrad degree. This money tip walks you through top rated online resources you can use to navigate the scholarship world.
View the article at greatvaluecolleges.net
Learn more about Scholarship Owl
Learn more about the Raise Me app
Learn more about Plexuss
Learn more about the Going Merry platform
Search more scholarships at Scholarsnapp and College Board
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Transcript:
Parents, if you’re suffering from sticker shock on the cost of your student’s undergrad degree, get in line. It’s crazy and only getting worse. As a parent, I’m very thankful we have online resources to help navigate the scholarship world. I recently downloaded my first scholarship app. Then I realized, I’m entering all this data for my student, but is this even going to work?  
With a quick Google search, I found their top ten scholarship apps, according to greatvaluecolleges.net. I won’t go into the full list, but I will share their top three and a brief description of each one. Again, this is an excerpt list from greatvaluecolleges.net: 
#1 ScholarshipOwl - Recommended by a whole line of reputable organizations such as Forbes and NewsWatch, ScholarshipOwl really can help all kinds of scholarship-minded users. With this great app, one can register their information and educational goals, and then the app automatically works to find applicable scholarship opportunities matching that individual’s qualifying specs and educational goals. 
# 2 RaiseMe - Beginning as early as the 9th-grade year, students using the RaiseMe app can begin to accumulate valuable micro-scholarships. Essentially, once a student is registered with the RaiseMe app, they can post accomplishments to it and then be rewarded with scholarship monies depending on the weight of their particular accomplishments. In addition to generating scholarship funds, this app also serves as a basic but very helpful information resource for US colleges and their associated attendance costs. 
#3 PLEXUSS - Another great, app-based tool for locating scholarships [and] comes by way of the PLEXUSS College Admission Help app. In PLEXUSS, users can not only locate any number of excellent scholarship opportunities, but they can also find the best-fitting colleges for them, information on financial aid, and more. The app’s “Connections” feature even allows for making connections and communicating with other, like-minded users for further versatility and networking options toward those goals. Source: greatvaluecolleges.net 
Interestingly, when I searched the App store, my strategy was to download the app with the best reviews. Based on my search, I chose Going Merry Scholarships, with a 5-point star rating with 5.2K reviews; RaiseMe also had a 5-star rating with 16K reviews; ScholarshipOwl had a 4-star rating with 816 reviews, and PLEXXUS had 5-stars with 197 reviews.  
Whichever app you choose, the process is pretty simple. After you download the app, enter your student’s information and some filtering data, and then the app will identify the best scholarship matches for you. In my own experience, with Go Merry, the app identified $316K scholarship opportunities and allowed me to search scholarships by value and due dates. My daughter focused on those with an immediate due date and filled out applications and uploaded essays as required. 
My simple Google search also produced information on College Board Scholarship Search (formerly ScholarSnapp). Apparently, this is a free tool that helps you apply to scholarships that is connected to your student’s Common App account. Per the description online, College Board Scholarship Search is integrated with the Common App and allows students to apply to several scholarships by reusing application information. I haven’t tried this yet but plan to look into it a little deeper. 
The amount of online scholarship information will make your head spin. As a parent, I’m going to narrow down which app works best for me and my student, and that’s it. I did find the aforementioned, greatvaluecolleges.net site helpful. In addition to their assessment of the apps, they also listed “30 Great Scholarships” based on field of study. 
My biggest struggle is: will the time that we’re committing to this pay off? I can’t tell you with 100% surety that it will, but as a parent looking for some help in paying for college, I’m willing to spend a little time and take a little risk. 
Hopefully, you found this episode helpful. If so, we would like to hear from you about thoughts on this show or maybe you have some ideas on other topics we should cover,  email us at tcupodcast@trianglecu.org. Be sure to subscribe to the Making Money Personal podcast for our full episodes and weekly Money Tips wherever you listen to podcasts and follow us on Facebook for more great content. 
Thank you to our sponsor, Triangle Credit Union, and thank you, as always, for listening. 
Have a great day everyone! 

Top Money Management Challenges to Overcome - Money Tip Tuesday

Are you having trouble with the financial challenges in your life? If you’ve been struggling, this tip has a few suggestions on how to avoid some of the common money management challenges you may be facing right now. 
Watch Triangle's Financial Freedom: Your Path to Debt Free Living webinar
Watch our Budgeting 101 Workshop to learn more about setting up a budget
View these additional resources on improving your financial life:
https://www.forbes.com/sites/financialfinesse/2013/08/29/three-common-financial-challenges-and-how-to-overcome-them/?sh=7eaef2735b12
https://www.investopedia.com/personal-finance/most-common-financial-mistakes/
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
Money management challenges can lead to confusion, anxiety and even stress that can interfere with living a financially free life.  
If you’re feeling the pressure, know that there’s hope. When you understand the cause of your burden, you can find a solution to free yourself.  
There are many reasons people face money management challenges. I’m going to share some of the most common ones here. 
One common money management challenge is lack of knowledge which can lead to confusion on how money works, a misunderstanding of the concept of value, it can interfere with your ability to prepare for unexpected events, and you may end up missing important opportunities to build wealth. 
Another challenge to mention is lack of discipline. This can lead to overspending, not saving enough, missing payments, and wasting resources. 
A third challenge is poor goal setting which can lead to procrastination, delayed achievement, conflict with others, and low confidence in your own ability to succeed. 
These challenges are so common, that practically everyone has had to deal with them at one time or another in their lives. It’s not uncommon to struggle with these things.  
So, if you’re feeling the struggle here, you’re not alone and many have gone before you. There are ways to work through them. 
Okay, what can we do to improve and overcome our money management challenges?  
First you can get organized!  
This includes not only doing a budget, but it includes keeping track of all your bills as they come in so you don’t miss any. This is vital to building a good credit score, and avoiding unnecessary fees from missed or late payments.  
If you can get organized, and stay organized, it will pay off for you in the future because you’ll likely get lower interest rates on car loans, mortgages and credit cards.  
Getting organized can be tricky at first, fortunately there are a bunch of tools like apps, websites, online platforms, and more at your disposal. Use your phone to set calendar reminders or use a good old-fashioned planner.  
The next thing you can do is get educated!  
Seriously, learn all you can about money. It’s an important investment of your time. 
Listen to financial podcasts, read articles, find some books, follow influencers, watch videos and really seek out resources that you can use to motivate yourself to get serious about your financial well-being. 
There is a plethora of resources out there to look at. Take some time each day or week to review something new about money or finance. Don’t forget, other people can be a great resource as well so if you know someone who is good with their money, ask them questions, pick their brain, it’s likely they would be thrilled to share their knowledge with someone who shows a genuine interest.  
Set some goals! 
If you don’t know where you’re going, you’ve got nothing to drive you. Setting goals will help you get motivated. Starting simple is the best way to begin.  
If you’re new to this, don’t overwhelm yourself. It’s better to start small so you can celebrate small wins instead of attempting a goal so large you miss it and lose momentum.  
Perfect goals to start small would be: 
Save $100 or $500 in an account 
Make 1 extra payment towards your debts 
Save an extra $5 a week  
If you’re ready to set some longer-term goals. Some good ones to work towards could be: 
Paying off all your credit card debt, student loans, or car loan 
Saving for a house down payment 
Reaching a certain number in your retirement account 
Goals will give you the framework and roadmap that you can use to achieve things you never thought you could.  
Managing your money is not out of reach. Starting now will get you on the right track to overcoming these challenges and will give you further momentum to live the life you’ve dreamed of.  
If you have any other tips or topics you’d like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.  
Have a great day! 
 

The Pros and Cons of Working a Side Gig - Money Tip Tuesday

Have you been asking yourself if you should pick up an extra job to get ahead with your finances?
This Money Tip Tuesday presents the pros and cons of picking up a side gig to supplement your income and why there really hasn’t been a better time to consider getting an extra job if you could use the extra money!
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal Podcast. 
On todays episode of Money Tip Tuesday I will go over with you the pros and cons of picking up a side gig to supplement your income and why there really hasn’t been a better time to consider getting an extra job if you could use the extra money! 
There are many pros and cons about having a second job but I am going to give you 3 pros and 3 cons. Lets get right into it! 
So, a little personal story! A couple of years ago, I decided that I wanted an extra job to supplement my income so I picked up ride sharing with one of the big ride share companies.  
A big PRO on having a side gig with a ride share company in particular is that you get to work when YOU want to. You’re not asked to work a certain schedule and you can take all the time off you want. This is extremely important for me personally because I have a family and there is always something going on that I need to be there for! Ride sharing makes it very flexible for you.  
Another pro of having a side gig is that it opens up more opportunities for you! A strong network is powerful to have. I firmly believe that the key to getting ahead, aside from hard work, is who you know. People helping people is the credit union mantra and in my opinion, it is the same with life. When I was driving strangers around, it opened the door to me meeting new people from all walks of life. Meeting new people will allow you to potentially meet THAT person who will introduce you to something amazing like a new industry you can work in that you hadn’t thought about and would be very good at!  
The last pro, you’ll achieve your financial goal much faster. What would an extra 2 to $400 do to your budget? I can tell you that often, that is the difference between being able to pay your rent or mortgage and not being able to. That’s a couple of hundred dollars you can throw at debt or your emergency fund! Even $100 extra per month is helpful!  
Lets get into the cons! Again, there are plenty of them just like there are plenty of pros. Here are my personal ones 
First and foremost, you lost time with your family. My family is #1 always so losing time with them is tough. If you are going to start a second job, realize that you will lose some time with your family.  
Second, you could get burnt out. Working your traditional 9-5, coming home, eating dinner then going to a second job can be tough. If all you do is work and you are the type who needs time to decompress, then think hard about the hours that you need to devote to a second job. If you need a second job, plan  your exit ahead of time. For example if you say to yourself, okay, I am going to sacrifice 6 months to work non-stop and get myself set up financially, then go for it! Now you know that this is just temporary and that will help you mentally. Those six months could set you up for decades if you do it right! 
Lastly, working a second job can and likely will test your patience. There will be days where you may want to quit and just stick with one job which is why I recommend that you get into it with a “WHY.” Why are you doing this? What happens when you get to your why? How long do I have to do this for? Answering these questions will allow you to really get mentally tough and sticking with it until your WHY is accomplished.  
That’s going to do it for the pros and cons but earlier I mentioned that right now may be the best time for a second job and that is because small businesses are hurting. If you find yourself needing the extra money, and having the extra time, go see if you can pick up and extra few hours delivering pizzas at a local pizza shop that likely needs the help. I see posts all the time on social media from businesses saying that they are closing early due to lack of employees and that they are hiring. Small businesses are vital to your local economy. Help them if you can! 
Thanks so much for tuning in to this weeks Money Tip Tuesday! Do you have any additional tips or advice that will help our listeners with this topic or other financial matters? Email us at TCUPodcast@trianglecu.org to let us know! Also, follow us on Facebook! Search for Making Money Personal Podcast and please give it a like and feel free to engage with us whenever we post new content!  
Thanks for listening to today’s Money Tip Tuesday and be sure to listen to our other tips and episodes on the making money personal podcast.  
Take care. 

E41: Maintaining a Positive Mindset to Bring Success with Barbara Hatfield

In this episode we talk about the importance of keeping a positive mindset with Lifestyle Coach, Barbara Hatfield.
Barbara talks about why we need to make sure we practice positive thinking, how it can affect others in our lives and offers strategies on how to keep a positive mindset through life's struggles and challenges. 
Follow Barbara on LinkedIn
Barb Hatfield Life Coaching on Facebook
Breaking the Habit of Being Yourself - Joe Dispenza
You Can Heal Your Life - Louise Hay
Think and Grow Rich - Napoleon Hill
View episode transcript.
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Practice Stock Trades with Paper Trading - Money Tip Tuesday

If you’ve been interested in trying your hand at stock trading this year, here’s a way you can try it out and see how you do without risking a dime. Paper trading can be a great way to practice stock trades and gain familiarity with market terms and strategy. 
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!
Transcript:
Welcome to Money Tip Tuesday from the Making Money Personal podcast.  
The beginning of a year is the perfect time to try something new. 
If you’ve been interested in trying your hand at trading but may be a little apprehensive at the risk that’s associated with it, there is a way you can try out your own trades without risking your money.  
This practice has been used by many in the past and is just as useful today and it’s called paper trading. 
Paper trading was historically used to practice making trades by hand with a pen and paper to keep track of your positions, profits and losses. 
Today, if you want to do it the old-fashioned way you can, but it’s even easier now with digital simulators that make it more convenient.  You can find these as free online tools and some brokerages offer it as a special account tied to their own platform.  
If you’re a novice, it’s a good strategy to try out your trading without the chance of losing money. 
You’ll learn valuable information and get a better understanding of industry terms, learn how to recognize investments to see if they are worth buying, get experience researching companies, learning about their track record and their credibility, and just gain a more comprehensive understanding about how the trading world works. 
It also gives you an idea of how you would act based on market changes because fluctuations and corrections can impact your decisions.  
If you’re a more advanced investor, paper trading is a great platform to try out new investment strategies you might have in mind to get an idea of how they will perform. 
And if this year you were considering trading penny stocks, try it all out in a simulation first because penny stock trading can be volatile and you don’t want to lose your shirt on your first try. 
If you’re interested in finding a paper trading platform, for risk free stock trading , you can start by checking with your current brokerage account or if you don’t have one yet, do a quick search in Google for paper trade simulators and you’ll find a bunch of options to choose from.  
If you have any other tips or topics you’d like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.  
Have a great day! 

Debt Consolidation Loan for Your Debt Payoff Strategy - Money Tip Tuesday

The beginning of a new year is a great time to assess your financial situation, particularly if it’s following a holiday spending spree—unfortunately, there have been some years when that assessment sheds light on a  harsh reality.
If you're ready to tackle your seasonal shopping debt, and some of the other debt that’s been hanging around too long, this tip shares how a consolidation loan is the right financial tool to help pay down debt in the new year. 
View our current Debt Consolidation Personal loan rates and terms.
Watch our Financial Freedom: Your Path to Being Debt Free webinar to start your own debt payoff strategy
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!
Transcript: 
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
I find the beginning of a new year to be a great time to assess my financial situation, particularly if it’s following a holiday spending spree—unfortunately, there have been some years when that assessment sheds light on a  harsh reality. Today, I’ll share how a debt consolidation loan can be used in your debt payoff strategy, but first let me explain what a consolidation loan is and how it works.  
Actually, the product name pretty much explains exactly what kind of loan it is—it’s a consolidation loan, meaning, as a credit union member, you transfer your high interest debt to a loan at a lower interest rate. This type of loan is usually used to transfer multiple debts, which is really where the concept of “consolidating” comes in—I have all of these debts at higher rates, being transferred or consolidated into one loan at a lower interest rate.  It may be best to explain it with an example. I have a credit card balance of $3,000 from a big retail store at a 19.99% interest rate, another credit card from an airline (because I get points) with a balance of $4,000 at a 14.99% interest rate, and a $2,000 personal loan at a big bank at 11.99% interest. Each month, I’m paying about $700 in payments for all of these bills. If I consolidate all of these loans into one loan, at a lower rate, my monthly payment would be reduced significantly. In this example, my new consolidation loan balance is $9,000 at a current interest rate of 7.99%--if the term of this loan is 60 months, my new monthly payment would be around $200 a month.  
Some people are leery of consolidation loans as financial tools because they’ll argue all I’m doing is transferring debt. And once the debt is consolidated, it gives me a false sense that the debt is taken care of and then I have freedom to spend more. If that’s all that the consolidation loan was used for, than I would agree, but here’s how it’s used as a smart financial too: 
Once my debts are consolidated and my payment is reduced from $700 a month to $200 a month, I can use that $500 difference to pay down the principal of the new consolidation loan. If I did that, my $9,000 loan would be paid off in roughly 12 months! Since I’m paying to principal, my debt will be paid off sooner, plus the interest rate is lower than all the other loans, so I’m saving money on interest paid. 
Here’s are a couple of more bonuses: when I repay my debt sooner, I’ll increase my credit score! And, consolidating all of the loan payments just makes it easier for me to manage. 
To recap, when consolidation loans are used responsibly, they are a great financial tool that can be used in reduce interest and save me money. Any savings, can be used to pay down my new loan, which again will save me more and put me on the path of debt free living. 
Hopefully you found this episode helpful. If so, we would like to hear from you about thoughts on this show or maybe you have some ideas on other topics we should cover,  email us at tcupodcast@trianglecu.org. Be sure to subscribe to the Making Money Personal podcast for our full episodes and weekly Money Tips wherever you listen to podcasts and follow us on Facebook for more great content. 
Thank you to listening, and thank you to our sponsor, Triangle Credit Union. 
Have a  great day everyone! 
 

Tips to Manage Money During Inflation - Money Tip Tuesday

Are you wondering what kind of impact inflation may have on your money? If you’re hearing all the chatter in the news about inflation and how it can affect your finances, we have some ideas on ways you can manage your money when inflation is on the rise.  
Get your budget in gear! Watch our Budgeting 101 webinar to learn about putting together a budget.
Learn more about Honey and how to use it to save money
Learn how Triangle Financial Group advisors can help you evaluate your retirement portfolio 
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!
Transcript: 
Welcome to Money Tip Tuesday from the Making Money Personal podcast. 
If you’ve browsed news articles lately, you are likely to have come across stories covering the topic of inflation.  
Inflation is a common occurrence in the current financial system and there is a measure of it that happens every year.  
The concern arises when that rate increases by a substantial amount. One of the biggest factors of an inflationary period is an increase in prices.  
You may notice an increase in prices for everything across the large variety of goods and services. 
If you’re seeing this happen in your neighborhood, there’s no need to panic. But you should make some financial adjustments to offset the rise in prices.  
Here are a few things you can evaluate to minimize the impact inflation may have on your cash flow situation. 
Budget for your needs first.  
It’s time to re-assess your budget and focus on what your NEEDs are as opposed to wants. Be really honest with yourself about what a need is and what a want is. Things like housing, food, electricity, and water are all your needs and you should budget for all those first. Once those items are covered then add in more as you allocate your funds down the list. What’s important here is that you focus on making sure all your needs are covered so you don’t spend unnecessary funds on things that are only wants.   
Find things to cut out of your bills. 
It’s wise to do this on a regular basis anyway. When you’re going through your budget, look for other line items that you no longer use, and remove them. Things like unused subscriptions or expensive top tier package options. Remove those so you can put that money to other necessities. You can even call your cable, cell phone provider, and insurance company and see if you can negotiate a lower price. They may give you a discount to keep your service.  
Make some lifestyle changes.  
If you’re spending too much money in certain areas of your life like excursions, fancy trips, or expensive foods, you may want to make some lifestyle adjustments. Find ways to either do them for a lower cost or replace it for another, less costly, experience. You might discover a great new hobby or interest that you enjoy as much for way less. 
Buy items in bulk to avoid paying the price increases as they go up 
Stocking up on bulk items can save you long-term costs. If you anticipate a price increase on things you already purchase, you can consider going to a big box store like Costco or BJ’s and buying those items in bulk to store for later. Just make sure you have the space to store it all and that those items have a long shelf life. 
Use coupons or saving apps or browser extensions 
If you’re not doing this already, now’s a great time to start. Use browser extensions like Honey which will automatically search to find the lowest price for the items you have in your cart. If you’re interested in using coupons, other services can run promo codes through your online checkout and let you know if there are any deals out there you’re missing. 
Cash in rewards points on credit cards or other rewards programs 
If you’ve been neglecting your credit card cash back program you may find a large collection of points you can redeem for cash back or other rewards. It also may be a great time to sign up for retailer rewards programs that will give you rewards, discounts and cash back towards your grocery bill. Any way to save money on necessities should be on the top of your list 
Don’t panic! Especially about your retirement savings 
Inflation might make things seem like the financial system is fluctuating, and it may be, but don’t panic. If you’ve been saving for retirement a long time and you’re getting close to living off those funds, the amount may not seem to go as far as you thought it would. This is a good opportunity to chat with a financial professional about whether you should make portfolio adjustments. They have the experience and the knowledge to confidently advise you on the best way to manage your retirement account. If you’re looking for a financial planner, Triangle Financial Group Advisors will meet with you to evaluate your positions and advise you on any changes you should make 
If you’re growing concerned with the rising prices today due to inflation, don’t get discouraged. There are things you can do to minimize its effect on your life. Take charge of your money and make the difficult but necessary decisions that can keep you moving on the right track towards financial success.  
If there are any other tips or topics you’d like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for our sponsor, Triangle Credit Union on Instagram and LinkedIn to share your thoughts.  
Thanks for listening to today’s Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.  
Have a great day! 
 

Top Money Tips for 2022 - Money Tip Tuesday

The New Year is almost here! We are approaching the end of 2021 and with that comes… you guessed it.. New Years Resolutions! In this Money Tip Tuesday episode we present the top 5 things you absolutely need to do to have a financially successful new year.
Check out Triangle's Budgeting 101 workshop on YouTube for budgeting strategies
Find the Every Dollar app at the App Store or at Google Play
Watch Sam the Cooking Guy on YouTube
View episode transcript.
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!

Reasons to Use Your Mobile Wallet This Season - Money Tip Tuesday

Have you used your phone’s mobile wallet yet? If you haven’t, we have some reasons to consider using it for a secure, efficient and safe checkout experience - especially during the holidays.
Learn more about adding your Triangle cards to your phone's mobile wallet
View episode transcript.
Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!