We’ve all had a moment where we arrived at the grocery store and can’t remember passing any of the stoplights along the way. We’re halfway down an aisle and scrambling to remember what we even needed. Our mind is in overdrive trying to sort through our ever-growing to-do list. We’ve been there when just making it through the next task is hard. But the normal stresses of life aren’t the only thing YOU have to deal with. Nora McInerny hosts The Head Start: Embracing the Journey, a new podcast from iHeartRadio and AbbVie, a space to share open and honest conversations acknowledging the struggles we all face, while leaning into the hope and optimism we all share. We’ll hear from doctors, experts, and everyday people who will be sharing their experiences, migraine coping strategies, and major wins, all while building a community of support around an invisible disease that makes every day uncertain: Chronic Migraine. Click here for Product Information, including Boxed Warning and Medication Guide, or visit https://bit.ly/3BlbaHG
Affinity Federal Credit Union presents Wellbeing and Your Wallet podcast! Learn tips and tricks on how to navigate everyday money challenges and chart the course to financial wellbeing from our expert hosts Grant Gallagher and Shawn Lubitz.
Affinity Federal Credit Union presents Wellbeing and Your Wallet podcast! Learn tips and tricks on how to navigate everyday money challenges and chart the course to financial wellbeing from our expert hosts Grant Gallagher and Shawn Lubitz.
Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher dive into the everyday financial choices that can quietly shape your financial wellbeing. From navigating car loans and resisting online impulse buys to managing subscriptions and social spending, they break down how small decisions can add up, and how to stay in control. Key discussion topics include: smarter ways to evaluate convenience spending, tips for comparing financing options, the hidden impact of Buy Now, Pay Later services, and practical strategies to avoid budget drains in daily life. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: My child is graduating high school soon and is headed off to college this fall. I'm excited but also feeling overwhelmed by all the financial decisions we need to make. Beyond tuition, what are some common money decisions parents overlook when preparing for a kid to leave the nest? Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Greenlight , a debit card and app that teaches teens how to spend, save, and invest money wisely. Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @membermailbag@affinityfcu.com. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Zach Wright, Affinity’s Cannabis Banking Manager, for a conversation surrounding cannabis business banking. Key discussion topics include: the banking challenges cannabis businesses face, the role of financial institutions in supporting this sector, the importance of compliance and public perception, and how Affinity is helping these businesses thrive in New Jersey and beyond. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I'm turning 65 next year and as retirement gets closer, I'm realizing I might not be as financially prepared as I thought. I love the idea of finally retiring fully, but with all the economic uncertainty, I’m scared I might run out of money if I stop working completely. Would it be smarter to find a part-time job to ease into retirement, or am I just letting financial anxiety get the best of me? Finally, Grant concludes the discussion by highlighting Affinity’s Business Services . Affinity has a range of services designed to support small businesses, including affordable banking solutions, merchant services for easier business management, and a business credit card with low rates and rewards. Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @membermailbag@affinityfcu.com. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher break down the hidden costs of tariffs and how trade wars can impact your everyday budget. Key discussion topics include: what tariffs and trade deficits are, how they affect prices on essentials like groceries, electronics, and vehicles, and smart strategies to reduce the financial impact, from shopping locally to negotiating bills and staying informed. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss budgeting for your next summer vacation with Clint Henderson, Managing Editor at The Points Guy. Key discussion topics include: how to start using travel rewards, smart strategies for summer travel savings, insider tips for booking flights and hotels, debunking budget travel myths, underrated money-saving hacks, and where to splurge or save on your next trip. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: Every time we travel as a family, my kids somehow convince me to buy the overpriced souvenirs, extra theme park upgrades, and whatever overpriced snack catches their eye. I want to make the trip fun without falling into every tourist trap. What are some creative ways to set spending boundaries on a vacation — without feeling like the ‘boring’ parent? Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss the role of women in finance with Affinity’s AVP of Retail Branch Operations, Antinea Middleton. Key discussion topics include: challenges women face in the workplace, tips for breaking barriers, finding and building mentorship networks, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I’ve always been good about paying my bills on time, so I was surprised to see my credit score drop recently. I haven’t taken on new debt or missed any payments, so I don’t know what could be causing it. What are some lesser-known factors that can negatively impact a credit score, and how can I get mine back on track? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card , a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Affinity’s AVP of Consumer Lending, Nicole Stovall. In the third installment of their Splitting the Check series, the team begins their discussion with a rapid fire icebreaker to celebrate the 50th episode! Additional key discussion topics include: when should couples start planning financially for a child’s future and what they should prioritize, how couples can align on priorities, education planning, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I love finding a good deal, but I also know that sometimes it’s worth spending more for quality. How do you decide when to splurge on a high-quality item versus when to hunt for a bargain? Are there certain things that are always worth the investment? Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Greenlight , a debit card and app that teaches teens how to spend, save, and invest money wisely. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by President and CEO, Kevin Brauer, to discuss Affinity’s 90th anniversary. Key discussion topics include: a deep dive into our rich history and our future vision, key mile milestones that have shaped our history, and our core values that drive us how we're evolving to better serve our members and communities. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I keep hearing about people doing “no-spend months” or extreme savings challenges. I love the idea of saving more, but honestly, some of these sound impossible. Are there any realistic, low-effort money challenges that actually work without making life miserable? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss money attachment styles and how they impact our financial decisions. Key discussion topics include: different relationship attachment styles, communicating about money with a partner, improving your own relationship with money, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I always feel guilty about spending money, even when it’s for something I need or really want. It’s starting to make it hard to enjoy the things I work so hard for. How can I strike a better balance between saving and spending without feeling so anxious about it? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit Account, noting how it can be a useful financial tool for individuals and couples. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Jamie Boehm, AVP of Digital Experience at Affinity, to discuss planning for your child's financial future. Key discussion topics include: the importance of teaching kids about money at an early age, ways to introduce financial concepts, technology that can help parents teach financial responsibility, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I’ve always avoided getting a credit card because I was worried about overspending, but now I’m thinking it’s time to start building credit and earning rewards. What should I look for in my first card, and how can I make sure I’m using it smartly without falling into bad habits? Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Greenlight , a debit card and app that teaches teens how to spend, save, and invest money wisely. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher look back on 2024. The episode begins with the group sharing their favorite Affinity memories from 2024. They then discuss major partnerships, community events, new product launches, awards, and company updates from throughout the year. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I got an unexpected end of year bonus in 2024, and I’m not sure how to factor it into my financial planning this month. Should I splurge on something? Should I put it all in savings? How can I make the most of it? I’d appreciate ideas on what to do with a small boost. Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss Affinity’s 2024 Holiday Spending Index , breaking down the cost of the holidays this year and sharing ideas for how to spread seasonal cheer on a budget. The episode begins with a discussion on the hosts’ favorite holiday traditions, before they transition into analyzing holiday budgets. They share the overall cost of the holidays for an American family of four, as well as the costs that factor in. Then, they discuss some creative ways to enjoy the holidays while saving money, including carpooling, making crafts, and keeping track of all your expenses. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: One of my New Year's Resolutions for 2025 involves keeping a tighter budget, especially for unnecessary expenses like entertainment and travel. I’m excited to start, but nervous about keeping up with this throughout the year - I’ve heard that most New Year’s resolutions are broken by February. What tools can I use to track my finances more easily, and how do I save more money without sacrificing too many of the things I enjoy? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by special guest Mark Prasnal to discuss the positive economic and community impacts of supporting small businesses. The episode begins with a discussion about the hosts’ favorite small businesses and how they support their local community. They give shout outs to local restaurants, barbershops, food cooperatives, and more. They unpack why small businesses are so important to owners and customers and outline the resources Affinity provides to support them. Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: With the new year coming up, I’m thinking about getting my financial house in order but honestly don’t know where to begin. If you could recommend just one key financial goal to focus on for next year, what would it be and why? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Grant Gallagher and Shawn Lubitz are joined by Kelly Watts, Executive Director of the Affinity Foundation. The episode begins with the group sharing a memorable experience they’ve had while volunteering and how it's impacted them. Additional topics discussed include: the importance of community wellbeing, local businesses and financial institutions play in strengthening community wellbeing, how you can get involved, and more. Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Between work, family, and holiday chaos, I always struggle to find time to get involved in my community. I’d love to do more, but I’m worried about overcommitting. Are there any unique, low-commitment ways I can still make a difference in my community without adding too much to my plate? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher shed light on the biggest financial myths! The episode begins with a discussion centered around financial tips they’ve heard growing up that turned out to be a myth. Grant and Shawn provide insight on a handful of myths about investing, debt, credit, homeownership, and more. Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: My place is starting to look like a storage unit, and I’m ready to declutter and make some cash in the process by selling things I don’t need anymore. But honestly, I have no idea where to start. How do I figure out what’s actually worth selling and what’s just junk, and what’s the best way to turn my clutter into cash without driving myself crazy? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Carolyn Morganbesser, Assistant Vice President, Mortgage Originations. The team begins the discussion by asking, “If you could live in any city or country, where would it be and why?” In this "Renting vs. Buying: Which is Right for You?" episode, Grant, Shawn, and Carolyn kick off the discussion by exploring the key factors to consider when deciding whether to rent or buy, covering the advantages and disadvantages of each option in the current economy. Some additional topics addressed included: Key factors to consider when deciding whether to rent or buy a home Considering the importance of community and lifestyle Exploring the potential long-term financial benefits of homeownership Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I recently started a new job where I am now working from home and noticed my space is too cramped. I have the flexibility and interest in moving to a new area and potentially even purchasing a home. What considerations should I have top of mind to get a bigger or more functional space and stay within my current budget? Finally, Grant concludes the discussion by highlighting Affinity’s financial platform, Enrich . Whether you want to find a quick financial checkup, discover your money personality, or build financial skills, we're here to guide you through every step. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss practical strategies for significantly reducing grocery spending. The team begins the discussion by asking, “ What’s your favorite budget-friendly meal to make?” Grant and Shawn discuss practical strategies for reducing grocery bills and saving money on groceries. They emphasize the importance of avoiding brand loyalty and being open to trying generic or store brand alternatives. Some additional topics addressed included: Avoid impulse purchases when grocery shopping, especially when hungry. The benefits of having a well-stocked pantry of staple ingredients to make meals at home. Strategies for meal prepping and planning to reduce food waste and save money. Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I find myself eating out way too much during the week—grabbing lunch at work, ordering takeout after a long day, and even indulging on weekends because I'm too lazy to cook. I've tried meal prepping, but I always fall off the wagon. What can I do to stay motivated and make meal planning easier and more sustainable? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit account, which allows you to earn 1% cash back on up to $1,000 in monthly debit card purchases. The account has no fees and includes benefits such as e-statements, early pay with direct deposit, and member-to-member online banking transfers. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher address some of the members' most frequent questions. In this “Ask Us Anything” episode, Grant and Shawn kick off the discussion by defining the difference between a bank and a credit union. They then provide an overview of Affinity's wide range of services, including its ownership structure and member-focused approach. Some additional topics addressed included: The difference between a debit vs. credit card How to join a credit union and access an account remotely Tips for building emergency funds and saving Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I recently came into a small inheritance and want to use it wisely. Should I focus on paying off high-interest debt, investing in the stock market, or putting it toward my mortgage? How do I decide the best way to allocate these funds? Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss all things spending, including paying bills on time, having an emergency fund, and more. Grant and Shawn began the episode by defining what healthy spending is. They discuss strategies to curb impulsive spending, such as avoiding the urge to spend an entire paycheck immediately and using methods like freezing credit cards. Some additional topics included: The importance of monitoring spending The balance between spending money on yourself and enjoying experiences The misconception of what constitutes healthy spending Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I’ve recently developed a photography hobby, and I’m loving it, but the cost of new lenses and gear is starting to add up. I want to keep exploring this hobby without draining my savings. Any advice on how to balance my passion for photography with my budget? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , and the opening of Affinity’s new branch in Lawrenceville, NJ. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Anthony Russomano, a Certified Health Coach and owner of Russomano Training. Anthony joins the show to discuss the importance of physical wellbeing. Grant, Shawn, and Anthony kick-off the episode by defining what physical wellbeing is, and how it impacts your overall health and happiness. They then break down how investing in physical wellbeing can lead to long-term financial savings and how to make informed dietary choices without breaking the bank. Some additional topics included: Alternative ways to enjoy exercising if you are unable to go to the gym The connection between sleep and financial stability The importance of goal setting for physical wellbeing Following the main discussion, Shawn pulled a submitted question from the member mailbag, and the team shared their responses: I've been struggling to balance my physical wellbeing with my financial responsibilities lately, and I'm feeling overwhelmed. As a single parent working multiple jobs to make ends meet, I find it challenging to prioritize exercise and healthy eating on a budget. Do you have any tips for fitting physical activity and nutritious meals into a tight budget and busy schedule? I want to prioritize my health, but it feels like there's never enough time or money to do so effectively. Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss how you can effectively manage your budget this summer. Grant and Shawn kick-off the episode by providing an overview of Affinity’s annual “Cost of a Day at the Jersey Shore” index, discussing travel trends and how inflation will impact your wallet. Additionally, they share strategies for managing higher costs this summer. Some additional topics included: Cost-effective vacation alternatives Tips on what will be worth splurging money on during vacation The importance of pre-vacation planning and creating an itinerary Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As I'm planning my summer vacation with my family, I'm finding it tough to figure out where to spend our money for the best value. I want to make sure we enjoy some special experiences, but I also need to keep an eye on our budget. What’s the best approach to balance splurging with saving, so we can have a memorable trip without breaking the bank? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit account , a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Tammy Latif, Human Resource Generalist at Affinity to discuss the concept of career wellbeing. Grant, Shawn, and Tammy kick-off the episode by discussing how your career influences your overall wellbeing. They also provide insight about how mentorship can foster personal growth. Some additional topics included: Navigating tough conversations in the workplace Tips and best practices on how you can align personal and professional goals Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I've been feeling a bit stuck in my current job lately and I'm starting to question If it's the right fit for me. I appreciate the stability and benefits, but I find myself lacking fulfillment and passion for the work I do. I've considered talking to my manager about my concerns, but I'm worried it might backfire or even jeopardize my career. How can I navigate the conversation with my manager effectively while also prioritizing my wellbeing? Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account ! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss financial “FOMO”. Grant and Shawn kick-off the episode by breaking down what Financial “FOMO” is, who it impacts, and what you can do to avoid making poor financial decisions. They also break down how social media plays a role in creating “FOMO”, and the financial repercussions behind it. Some additional topics included: Effective strategies for practicing mindful spending and reducing financial FOMO Long-term financial implications of making decisions based on FOMO Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I set a budget for my summer vacation, but I always end up either overspending or feeling like I missed out because I didn't want to stretch my finances too thin. This year, I'm determined to stick to my budget, but I also want to make sure I enjoy my time off. Do you have any practical advice on how to plan a summer vacation that's both financially responsible and enjoyable? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card , a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-third episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Veronica Perez to discuss changing security habits to safeguard your information and accounts. The team begins their discussion by asking: What's the most surprising place or situation where you've encountered a potential scam? And explore the important things to look out for. Grant and the team dive into the evolution of financial scams, sharing light on how scammers utilize technology to expand their reach and target more victims. Veronica emphasizes red flags, including unsolicited offers that seem too good to be true or requests for sensitive personal information. Some additional topics covered include: Identifying common scams Actions to take if your data is compromised Following the main discussion, Grant opens the Member Mailbag to answer the member-submitted question: I'm in my late 20s and have just started to seriously think about my financial future. I've managed to save up a bit of an emergency fund, but beyond that, I'm not sure where to focus my financial efforts. Should I prioritize paying off my student loans, investing in a retirement account, or perhaps saving for a down payment on a house? I feel stretched thin thinking about all these options and don't want to make a mistake that I'll regret later. To wrap up this week’s episode, Grant highlights Affinity’s Fraud Prevention Hub , which offers support in phishing and phone scams, and resolving ID theft and fraud. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-second episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Carolyn Morganbesser to discuss today’s homebuying environment. Grant, Shawn and Carolyn kickoff the discussion by providing an overview of current trends in the housing market, and how it’s impacting financial wellbeing. They share tips for all types of homebuyers, and additional costs that need to be considered besides the mortgage. Some additional topics included: Strategies to build and maintain a strong credit score Myths and realities to consider when buying a home Tips for saving for a down payment Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I am recently engaged, and looking to buy a new home with my partner. What are the key benefits that Affinity's mortgage services have to offer? Are there any benefits to help first time homebuyers? Grant concludes the discussion by highlighting Affinity’s suite of mortgage products and services . Whether you are a first time homebuyer or an experienced homebuyer, Affinity has a variety of mortgage solutions and tools to meet your needs. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-first episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Oscar Cordoba, Financial Education & External Affairs Manager at Affinity. Grant, Shawn, and Oscar kick off the episode centered around financial literacy and wellbeing by discussing the importance of understanding credit. They break down the relationship between financial stress, mental health, and the role financial literacy plays in overall wellbeing. Some additional topics included: Tips for exploring free financial education resources and tools Incorporating financial literacy into daily activities and decision-making How to handle a financial crisis Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Two years ago, I purchased a car that I thought was within my budget. However, as time has passed, I've realized I bit off more than I can chew, and the monthly payments are starting to become unmanageable, and I still have a couple of years left on my loan. What options do I have to alleviate this situation without severely damaging my credit score or financial future? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirtieth episode, expert hosts Shawn Lubitz and Grant Gallagher take part in a “financial purge”. Grant and Shawn kick-off the episode by reviewing their spending habits from last year, and what they can improve on for this year. They also check in on their new year's resolutions, and how they are progressing toward their financial goals. Some additional topics included: Actionable steps to conduct your own “financial purge” Shifting everyday spending habits to help you save Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: While going to Starbucks was my daily highlight, a financial review revealed its huge impact on my bank account. I received a coffee machine for Christmas, and I am certain using it would benefit my finances. However, these daily visits are part of my routine and I look forward to them. Is it that damaging to continue? Would this choice significantly affect my overall financial well-being? Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs , educational events & webinars , credit counseling tools , and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-ninth episode, expert hosts Shawn Lubitz and Grant Gallagher provide an overview of all of the various financial products and services consumers should consider. Grant and Shawn kick-off the episode by discussing what credit unions offer and why they are important. They break down the different financial products and services available to consumers including checking and savings accounts, investment services, loans, credit cards, CDs, and more. Some additional topics included: Credit union membership benefits Financial wellbeing and financial education tools Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: For someone new to managing finances, I'm interested in exploring credit cards for everyday use. Could you recommend a credit card that has practical benefits for daily expenses, and what key features should I consider when making a choice? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card , a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-eighth episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by returning guest Heather Hurilla, Member Development Officer at Affinity. In the second edition of splitting the check: how couples manage their financial wellbeing, the team begins their discussion on managing financial stress. They analyze couples with different characteristics, like spenders vs. savers, and share strategies budgeting with your partner. Some additional topics include: Strategies for affording childcare expenses The importance of open communication between partners How couples can save for life's big purchases and creating dedicated saving “buckets” Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: My partner and I are big savers. We currently rent and have big plans of purchasing our dream home. The issue we are running into is the timing just never seems right. Either the house isn’t the right fit, or the price is just way out of our budget. How can we manage this? We are starting to feel like there is no light at the end of the tunnel. To wrap up this week, Grant highlights the reopening of the Denville Branch location coming soon, and reminds listeners about Affinity’s SmartStart Savings account, which has a 4% APY on the first $10,000 savings. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-seventh episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Kim Cole, Community Engagement Manager at Navicore Solutions. Kim joins the podcast to discuss all things credit. Grant, Shawn, and Kim kick-off the discussion by breaking down what a credit score is and why it is so important in our financial lives. Additionally, they discuss what a good credit score is versus a bad credit score, and the difference between a credit score and credit history. Some additional topics included: How credit impacts mortgage rates and options for first-time homebuyers Common misconceptions about credit scores and credit reports Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I am considering leaving my current job to go out on my own to start my own business. I’d likely need to secure a business loan to get things off the ground, but I am concerned that my personal credit score, which isn’t great, will impact my ability to secure a business loan. Does my personal credit have an impact on my ability to secure a business loan? What steps can I take to strengthen my credit profile before applying for the loan? Finally, Grant concludes the discussion by highlighting Affinity’s Credit Counseling Services through Navicore Solutions. Their certified counselors will gain a clear understanding of your personal situation to create a personalized plan of action to assist you. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-sixth episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Antinea Middleton, AVP of Retail Branch Operations at Affinity. Antinea joins the crew to discuss the importance of emergency savings and the concept of “Fed Up” money. Grant, Shawn, and Antinea kick-off the discussion by sharing tips for setting up automated transfers to your savings account each month. They also break down tips for automating your expenses, and actionable steps you can take to reach your emergency savings goals. Some additional topics included: Impulse holiday spending and how to get back on track in the new year Doing your homework and understanding ways you can save Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As the holiday season comes to an end and we transition into the new year, I encountered a high-priced item while shopping. Although the initial excitement was undeniable, buyer's remorse kicked in, only to realize it was beyond the return policy. Now, I'm left wondering if this purchase will disrupt my finances in the coming year. Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account ! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-fifth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss financial goals and resolutions heading into the new year. Grant and Shawn kick-off the discussion by sharing tips for revamping your budget in 2024, and discuss taking the time to audit your expenses and subscriptions. Additionally, they analyze various budgeting strategies and the importance of an emergency fund. Some additional topics included: How to set children up for success financially Strategies for overcoming setbacks and staying resilient in pursuing financial goals Methods for managing and paying off debt Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I've struggled with saving money, and it always seems like unexpected expenses derail my plans. How can I create a realistic savings goal for the new year that accounts for life's uncertainties and helps me stay on track? Finally, Grant concludes the discussion by highlighting Affinity’s financial wellbeing resources you can take advantage of for the year ahead. Check out Affinity’s credit counseling services , blog , and webinars to learn more! Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-fourth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss spending and budgeting during the holiday season. Grant and Shawn kick-off the discussion by sharing insights on effectively setting and sticking to your budget during the holiday season. They discuss tips for saving money on travel during the holidays, and how to manage food and entertainment costs at family gatherings. Some additional topics included: How consumers can be more informed shoppers Ways to protect yourself against financial scams How you can get back on track financially after the holiday season Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Every holiday season, I find myself getting stressed out, not just about money, but also about making sure everyone is happy, buying the right gifts, and meeting all the holiday expectations. It sometimes feels overwhelming and takes away from the joy of the season. How can I manage this financial and emotional stress better, and actually enjoy the holidays without feeling like I'm constantly on the edge? Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card , a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-third episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by formally known Community Ambassador and now newly Member Development Officer Heather Murphy to discuss building community and Affinity’s recent Impact Day of service. Grant, Shawn and Heather kick-off the discussion by sharing their personal journeys with community service and recent experience volunteering during Impact Day where over 300 Affinity team members volunteered across multiple locations netting nearly 1,000 volunteer hours. Some additional topics included: Why giving back in-person matters How volunteering can improve your wellbeing How to make community service a part of your life How you can give back using your skills Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I have been a proud member of Affinity for several years now, and I’m inspired by the community involvement and volunteering initiatives that your organization is known for. I have always wanted to contribute, but I am not sure where to start. Are there specific volunteer opportunities, events, or programs that I can participate in? Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account ! Whether you’re saving an emergency fund, for a milestone purchase, or a dream vacation, Affinity is here to help you earn more toward your financial goals with this high-yield account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Grant Gallagher and Shawn Lubitz are joined by Jason Vitug, author and wellness entrepreneur focused on the intersection of money and happiness. The team kicks off the episode by discussing the basics of financial wellness, and the essential first steps or habits someone should embrace in their daily life. Additionally, the team shares insight on how our daily financial choices impact our overall sense of happiness and wellbeing. Some additional topics included: The idea of investing in experiences over material goods Tips for personal growth and overcoming limits, including prioritizing mental health and continuous learning Following the main discussion, Grant pulled a question from the member mailbag: After a recent health scare, I've been re-evaluating my life and realized I'm constantly consumed by money worries, even though I have a stable job and savings. This stress has taken a toll on my health and relationships. What steps can I take to break this cycle and find a healthier balance with my finances? Finally, Grant concludes the discussion by highlighting Affinity’s Member Appreciation Week ! Visit us in our branches, where we will be hosting free wellness events to show our commitment to our members and their overall wellbeing November 6 - 11, 2023. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-first episode, expert hosts Shawn Lubitz and Grant Gallagher break down maintaining financial wellness during a career change. The hosts kick-off the discussion by sharing advice on building confidence and feeling secure during a job or a career change. They discuss the job application process, and emphasize the importance of having savings in place during a career transition. Additionally, the team discusses trying out different things to find what you're passionate about and enjoy, and understanding the “why" before making a career change, as it's crucial for job satisfaction and avoiding the same problems in a new role. Some additional topics included: Exploring the financial fears and misconceptions that individuals often face when considering a career change Steps to ensure their long-term financial health and wellbeing as they move into a new career path Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I’m facing a significant career decision. After spending years in a traditional nine-to-five job, I want to follow my dream of becoming a content creator and social media influencer. I'm passionate and ready to dive in, but I’m also aware of the highly competitive nature of this industry, where income can be inconsistent, especially in the beginning. How can I prepare for this change in my career, knowing what challenges are ahead? Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account ! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twentieth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss the concept of money buying happiness. The hosts kick-off the discussion emphasizing the importance of creating a financial plan to achieve your individual goals. They share advice for people striving to find a balance between pursuing financial success and happiness in their lives. Additionally, the team talks about balancing saving for the future with enjoying your money in the present, and how this affects your overall wellbeing. Some additional topics included: Maintaining financial wellbeing and happiness in the age of social media Setting realistic short-term and long-term financial goals to increase happiness Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As my income increases, there is a temptation to increase my spending. How can I avoid lifestyle inflation and prioritize saving and investing for long-term happiness? To wrap up this week, Grant highlights the Cash Back Debit card , a great checking account for students who can earn 1% cashback on purchases for up to $1,000 a month. Other perks include free member to member online banking transfers, which can help when parents send money to their child attending college. Affinity is there to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the nineteenth episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by middle school teacher and Grant’s wife, Katie Gallagher, to discuss budgeting and shopping for children as school is now back in session. The start of the discussion centers around managing your budget at the outset of the school year, while being mindful parents may need to purchase additional school and clothing items throughout the year. Shawn warned against over-purchasing items, such as clothes, at the beginning of the year as children often grow as the school year progresses. Katie advised not to be swayed by name brands of certain items, for instance store brand crayons work just as well as the name brand. She also suggested checking in with your child in the middle of the school year to see if they need more supplies, like notebooks or filler paper. Additionally, the hosts talked about all of the costs involved in extracurricular activities, sharing advice on making the purchase process less stressful and a little more affordable. Shawn and Grant discussed the benefit of taking your child on shopping trips to help them understand the costs involved and, as they get older, how the family budget may force the child to cut back a little on their ‘wants’, like getting a less expensive pair of shoes than they ultimately desired. Grant shared a tip for saving – check out deals around the end of the school year to plan for the year ahead and assess what can be reused, like your child’s pencil case and markers. Shawn and Katie also discussed how families who are able to make a few extra supply purchases can benefit families in need. Grant also brought up the purchase of big ticket items and advised students to utilize student discounts, if applicable. Some additional topics included: How Affinity can help you prepare ahead of time to budget for school and activity-related costs Managing stress related to financial concerns while being an educator Financial education programs for teachers Common misconceptions parents have about educators Following the main discussion, Grant pulled a topic from the member mailbag, and the team answered: I have two kids who are 8 and 6 years old. I don’t have any money saved for their college education. I know how expensive college can be, and I don’t want them taking out massive loan amounts when the time comes. I don’t really have any room in my budget right now to put money away for their college, so I was curious what tips you guys had for saving for college when your budget doesn’t really allow for it? Listen to the episode to hear how the panel responded to the question! To wrap up this week, Grant highlights the Cash Back Debit card , a great checking account for students, who can earn 1% cashback on purchases for up to $1,000 a month. Other perks include free member to member online banking transfers, which can help when parents send money to their child attending college. Affinity is there to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Grant Gallagher and Shawn Lubitz are joined by Mara Hoogerhuis, an expert in learning, leadership and change at Gallup, and the group discusses the five pillars of wellbeing. The team kicks off the episode by defining wellbeing, and what it means for them. Then, Maura provides an overview of the five different pillars of wellbeing and how Gallup defines them. Additionally, the team shares insight on how the five pillars are connected, and how they affect an individual’s overall health and happiness. Some additional topics included: Determining what aspects of wellbeing you should prioritize Insights into trends in financial wellbeing and banking An overview of the economy and how it can impact your overall wellbeing Following the main discussion, Shawn pulled a question from the member mailbag: When I was in my 20’s, I made some bad financial decisions and ended up with a lot of credit card debt. Now that I am in my 30’s, my financial situation is better than it was, but I am still paying the price with my low credit score. Do you have any tips for raising or repairing your credit? I would like to buy a house within the next 2-3 years. Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account ! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with their high-yield SmartStart Savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the seventeenth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss how reliable Chat GPT can be with financial advice by asking the artificial intelligence tool financial questions and seeing how it responds. The start of the discussion centers around AI. Shawn and Grant talk about incorporating it into everyday life, mainly focusing on utilizing AI tools, like ChatGPT, and their roles at Affinity. Grant mentions using AI like “Google on steroids” to find detailed information, recommendations, and templates, especially for tech-related queries. Grant also highlights the benefits of AI-powered smart assistants for managing schedules, traffic updates, and stress reduction. Additionally, the team talks about incorporating AI into financial wellbeing. Grant and Shawn discuss how AI can offer advice and recommendations for improving one’s credit score. However, they stress the importance of getting individualized advice and recommendations from a professional, like a credit counselor. They say going that route is crucial due to the complexity of personal financial situations, which often require a personalized approach. Some additional topics included: Preparing to purchase a home Federal student loan payment resumption Following the main discussion, Grant pulled a discussion from the member mailbag, and the team answered the member-submitted question: I am in my early 60s, and I really would love to retire soon. I am worried I don’t have enough saved for the entirety of my retirement and obviously don’t want to run out of money. How can I really know if I am prepared financially to retire? Listen to the episode to hear how ChatGPT responded to the question! To wrap up this week, Shawn highlights the SmartStart Savings account, which can be a great savings vehicle whether you are saving for a down payment, a dream vacation, or a rainy day. The SmartStart savings account earns a 4% annual yield on the first $10,000 of savings. Affinity is there to help you earn more toward your financial goals. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Grant Gallagher and Shawn Lubitz are joined by Affinity’s Assistant Vice President of Risk Operations, Bryan Watkinson! The team kicks off the episode centered around protecting yourself from financial scams. They begin the discussion about common financial fraud topics and concerns, including phishing, text messaging, identity, and job scams. Additionally, the team emphasizes the importance of safeguarding your information, and what you can do if you detect some type of fraud. Some additional topics included: The role of digital banking in financial fraud Strategies for maintaining privacy and security in online transactions How Affinity detects and mitigates fraud risks Following the main discussion, Grant pulled a question from the member mailbag: I am interested in finding another source of income. The idea of starting a side hustle sounds great, but I lack the motivation and have no idea where to get started. I follow some influencers on social media who make side hustles look so easy to start, but in my real life I find it to be challenging. Any ideas on how to get started? Finally, Grant concludes the discussion by highlighting Affinity’s free scam hub where consumers can learn the latest advice on protecting yourself against all of the latest scams out there. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, financial wellbeing expert and host Grant Gallagher is joined by very special guest Madison Friedman, a Berkeley College undergrad. The beginning of their discussion is centered around money-saving tips for recent graduates. Madison shares insight into her spending habits from when she was a teenager in high school to now. Then, Grant and Madison both share how their savings habits have changed and the goals they are working towards. Following the initial discussion, Grant and Madison discuss and share strategies for recent graduates transitioning into college or their post-graduate careers. Additional topics include: The importance of pursuing scholarships and grants to help pay for school and what to consider when taking out student loans Financial tips for living on your own for the first time The importance of saving for long-term financial goals and building an emergency fund Grant and Madison also take a question from the member mailbag: I am on track to attend my dream university, but I’m worried about the total cost to attend. My financial aid doesn’t cover the full balance of tuition, and my parents aren’t in a place to help me cover the rest. Where can I turn to help pay for school? I am worried I won’t be able to pay off high-interest loans after college and it's causing a lot of stress. Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account ! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with their high-yield SmartStart Savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, financial wellbeing experts and hosts Grant Gallagher and Shawn Lubitz discuss Affinity’s 2023 Cost of a Day at the Jersey Shore & Spring Wellbeing and Your Wallet Index findings. The team dives into their discussion surrounding the 2023 Cost of a Day at the Jersey Shore findings and provides an overview of the price increases at the shore. Grant and Shawn share strategies for planning a family vacation and explore ways you can save money this summer. The discussion shifts to an overview of the 2023 Spring Wellbeing and Your Wallet Index findings, and the team analyzes the financial wellbeing sentiment of members in their communities. Additional topics include: Tips for combatting higher costs at the shore this summer Available resources to take advantage of if you are stressed about your finances The importance of budgeting and planning for the long term Grant and Shawn also take a question from the member mailbag: Every summer my significant other and I take a vacation with our kids. We just had another child earlier this year, which has really tightened our budget, and I don’t think we can afford to go on a trip this summer. Obviously, I don’t want to miss out on these memories with my family, but I also don’t want to stretch us too thin. Any tips on how to manage this? Finally, the team concludes the discussion by highlighting Affinity’s award winning SmartStart Savings account ! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with their high-yield SmartStart Savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, financial wellbeing experts and hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher discuss budgeting for your annual family vacation. The team dives into vacation saving and budgeting strategies, including how to establish a realistic budget for annual vacation costs, planning a fun and rewarding vacation that meets your overall lifestyle needs and goals, and managing the stress associated with vacation planning. The team also discusses ways to save money in real-time during the trip - and why a “staycation” can be just as beneficial to your overall wellbeing. Additional topics include: Planning for unexpected or hidden expenses while on vacation Tips for managing your vacation budget in real-time while enjoying your trip Common mistakes people make when budgeting for and on vacation The team also takes a question from the member mailbag: My significant other and I are traveling together for the first time and trying to figure out how to split costs. We both have reward credit cards, and both want the points. What is a fair way to split so that we both maximize the savings for the trip? Finally, the team concludes the discussion by highlighting the Cash Back Debit Card , which is free with all Affinity checking accounts. The Cash Back Debit card enhances the Affinity member experience and promotes overall financial wellbeing, earning up to $120 per year in cash back on everyday purchases with no fees, and the ability to get paid sooner via direct deposit. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, financial wellbeing experts and hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher, are joined by Pam Cohen, Senior VP People Culture & Administration to discuss the importance of providing meaningful mental health resources to employees. The team dives into the episode with an ice breaker question, we all know that it’s important to work out and take care of our physical bodies, but often time we tend to neglect our mental health. What are some things you do to put yourself and your mental health first? Pam and the team weigh in with some ways to put your mental health first. Additional topics include: Importance of self-care Budgeting and planning ahead, to rid that financial stress Meet with a financial counselor for help The team also takes a question from the member mailbag: Between the state of our economy, coming off the stress of the COVID-19 pandemic, and pressures in my own personal life, I feel my finances slowly slipping out of my control. What are some ways I can prioritize my mental health and best manage my financial stress as someone with a lower income? Finally, the team concludes the discussion by highlights Enrich , which is an online personal finance tool to help you learn about money management, personal credit, insurance, and retirement through online modules. As well as webinars, blogs featured on our website for resource to help you out. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In the eleventh episode, expert hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher are joined by a very special guest, Affinity Federal Credit Union CEO, Kevin Brauer! The team begins their discussion centered around financial wellbeing. Kevin shares his definition of financial wellbeing and how members can achieve their goals and dreams. Following the initial discussion, Shawn, and the team transition to hearing more about Kevin’s new role as CEO of Affinity, and his mission to help improve the overall wellbeing for members. Additionally, the team emphasizes the importance of “people helping people” and the significance community involvement has on improving their members' lives. The discussion also underscores the importance of safeguarding their members' personal financial information. Some additional topics included: Kevin’s five-year outlook for Affinity Federal Credit Union Steps the credit union takes to protect member deposits and how is it different than a bank Following the main discussion, Grant pulled a discussion from the member mailbag, and the team answered the member-submitted question: We received a fun question from one of our members. If you could trade places with anyone for a day, who would it be? Listen to the episode to hear who would like to be Commissioner of the NFL and why! To wrap up this week, Shawn highlights the opening of the new Madison Branch location coming in May, and Grant reminds the listeners about Affinity’s SmartStart Savings account which increased from 3.5% to 4% APY on the first $10,000 in savings. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or Twitter with #MemberMailbag. Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products. Thanks for listening and be well.…
플레이어 FM에 오신것을 환영합니다!
플레이어 FM은 웹에서 고품질 팟캐스트를 검색하여 지금 바로 즐길 수 있도록 합니다. 최고의 팟캐스트 앱이며 Android, iPhone 및 웹에서도 작동합니다. 장치 간 구독 동기화를 위해 가입하세요.