Perfect Cents Podcast

Are you torn between the convenience of a fintech app and the personalized service of a credit union? In this episode of the Perfect Cents Podcast, host Alex Becerra is joined by Marcus Webb, Branch Manager at SAFE Credit Union's Granite Bay location. With over 24 combined years of experience, they break down the shifting financial landscape—from the rise of "niche" apps like Rocket Money and Chime to why having a face-to-face relationship still carries immense "intangible value" in a digital world. Topics include: Defining Fintech: Why younger consumers are drawn to specialized, one-dimensional digital tools. The "Data Point" Problem: The difference between being a member of a community and just another entry in an algorithm. The Credit Union Philosophy: How not-for-profit institutions prioritize the person over the profit. Life's Milestones: How a dedicated financial partner helps you navigate buying a first car, planning a wedding, or starting a family. About the Guest: Marcus Webb is a veteran in the banking industry with 12 years of experience. He currently serves as the Branch Manager for the SAFE Credit Union Granite Bay branch, focusing on community-based growth and member success. SAFE is federally insured by NCUA and is an equal housing opportunity lender. Community & Local Favorites: R-Vida Cantina To check out the resources highlighted in this episode visit the links below. To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To contact the podcast team, email [email protected]

Are you ready to stop paying your landlord's mortgage and start building your own equity? In this episode of the Perfect Cents Podcast, host Alex Becerra sits down with SAFE Credit Union Home Loan Manager Casey Jenkins to demystify the journey to homeownership. Whether you're worried about your credit score or struggling to save for a down payment, this discussion provides a clear roadmap for anyone looking to secure their first set of house keys. Topics include: Why your "bad credit" might actually be better than you think. The real cost of renting vs. the long-term benefits of home equity. How to balance paying off debt while saving for a down payment. Why working with a mortgage advisor can help you create a winning plan. About the Guest: With over 15 years of experience, Casey shares why the "boring" logistics of mortgages—rates, terms, and payments—are actually powerful tools to help you reach financial freedom. SAFE is federally insured by NCUA and is an equal housing opportunity lender. Community & Local Favorites: Zócalo - Modern Mexican Hospitality To check out the resources highlighted in this episode visit the links below. Beyond Everyday Banking Blog - SAFE Home Loan Consultants Help You Every Step of the Way For details about SAFE HomeRewards, visit: SAFE HomeRewards To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To contact the podcast team, email [email protected]

On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with Lawrence Lomeli, AVP of Consumer Lending at SAFE Credit Union, to break down the complex world of borrowing and credit to help you build financial freedom for your future.  Topics include: Borrowing as a Tool: Why credit should be viewed as leverage for big-ticket items like homes, cars, and education rather than a source of anxiety. Credit Score Factors: A deep dive into what influences your score, including repayment history, credit mix, and the depth of your profile. The Benefits of High Credit: How a strong score leads to better interest rates, lower costs, and more options from financial institutions. Overcoming Challenges: Understanding that credit is a journey and that past hardships like medical issues or setbacks are not a reflection of your self-worth. Red Flags to Avoid: Critical warnings about the dangers of payday loans and using credit for everyday living expenses like groceries and gas. About the Guest: Lawrence Lomeli brings over 35 years of industry experience to the conversation, specializing in signature, personal, and auto loans. Resources: For more information on financial products and services, visit safecu.org to schedule an appointment with a professional expert today. SAFE is federally insured by NCUA and is an equal housing opportunity lender. Community & Local Favorites: Land Ocean - New American Grill To check out the resources highlighted in this episode visit the links below. To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To contact the podcast team, email [email protected]

Are you looking to improve your financial health but don't know where to start? In this episode, join host Alex and special guest Marcie Johnson (Debit and Credit Program Manager at SAFE Credit Union,) as they discuss why mindful spending is the absolute foundation of long-term financial wellness. Whether you're a parent teaching your kids about money or just trying to navigate the convenience of digital payments, this conversation offers practical strategies for everyone.  Topics include: The Three Spending Zones: How to categorize your expenses into essential, flexible, and emergency spending. Mindfulness & Money: Why taking a moment to think before you "tap" can prevent overspending in a world of Apple Pay and Google Pay. Strategic Tools: How to use mobile banking alerts and card notifications to keep your budget on track. Needs vs. Wants: Tips for differentiating between what you truly need and what can wait for a better time. Community & Local Favorites: Supporting Local Arts - Marcie discusses the positive community impact of Rocklin Community Theatre, a local nonprofit where her children participate. Local Eats - The episode wraps up with a nod to Thai Basil, a favorite local dining spot. SAFE is federally insured by NCUA and is an equal housing opportunity lender. To check out the resources highlighted in this episode visit the links below. Rocklin Community Theatre Thai Basil: Fresh, Authentic, Thai To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of The Perfect Cents Podcast, host Alex Becerra is joined by Emilio Barrera, a Community Development Specialist at SAFE Credit Union. Together, they dive into the power of financial planning and how it can completely transform your relationship with money, starting with the way you spend. Emilio shares his expert insights on why a solid plan isn't just about numbers; it's about alleviating stress and stopping the impulse decisions that set you back. Whether you are starting your financial journey from scratch or recovering from past "speed bumps," this conversation provides a judgment-free roadmap to success. Key Takeaway: Financial wellness is not a one-size-fits-all solution. It's about aligning your spending with your core values and building a small pathway of steps to reach your larger vision.  SAFE is federally insured by NCUA and is an equal housing opportunity lender. To check out the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

Are you feeling the weight of financial stress? Join us for a special episode of the Perfect Cents Podcast as we celebrate America Saves Week and Financial Capability Month! In this episode, Alex is joined by Savannah Brown, a Community Development Specialist at SAFE Credit Union, to discuss why building a savings habit is the essential scaffolding for your financial wellness plan. Whether you are starting with just one dollar or looking to break a cycle of debt, this conversation offers practical insights into shifting your mindset from "I can't" to "I can." About SAFE Credit Union: SAFE is federally insured by NCUA and is an equal housing opportunity lender. For more information on financial well-being, visit our website at safecu.org to schedule an appointment with an expert today.  To check out the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra welcomes the newest member of SAFE Credit Union's Community Relations & Financial Education team, Eli Lopez! Together they discuss the importance of embracing a growth mindset, setting intentional goals, strengthening discipline, and practicing ownership & accountability. Throughout their conversation Eli also shares insightful analogies and helpful tips to illustrate the powerful impact of maintaining strong, clear, focus and following through on your commitments to achieve lifelong self-improvement. Tune in today, because staying committed to your goals, overcoming obstacles, and navigating challenges when things get tough… just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Savannah Brown tackle the topic of Smart Holiday Shopping. Together they discuss insightful data points about consumer spending during the holidays, the importance of building a strong spending and savings plan, and strategies for ensuring a successful holiday shopping season. They also provide useful tips for avoiding flash sales, resisting the temptation for impulse purchases, and the fighting the inclination to jump on "too good to be true" deals. Tune in today, because navigating the holiday season with a smart shopping plan that won't break your budget… just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. TD Bank | Merry Money Survey TD Bank | Holiday Shopping Tips - Here's How to Keep Spending In Check GNCU | Tips for Smart Holiday Spending BBB | Shop Like a Pro and Make the Most of This Holiday Season Nasdaq | 8 Holiday Temptations That Destroy Your Budget To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra is joined by SAFE's Senior Design and Communications Specialist, Susan Burns to tackle the topic of Financial Avoidance. Together they discuss Susan's featured articles in Comstock's Magazine, the importance of understanding your relationship with money, and strategies for leveraging your unique personal qualities to keep your finances in check. They also provide useful insights for being a positive money role model and helping the young people in your life as they learn to navigate their own financial wants, needs, and goals. Tune in today, because learning and demonstrating smart money behaviors to inspire the young people in your life as they build financial freedom… just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. Read Susan's latest article in Comstock's Magazine: "How to Avoid Passing Financial Fears to Kids" Read Susan's first article in Comstock's Magazine: "Are You a Financial Avoidant?" To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra is joined by SAFE Home Loan Consultant, Nate Dungca & Realtor, Nico Almanza to discuss all things Home Buying. Together they discuss the importance of organizing your finances before shopping for a home, the additional costs that come along with a home purchase, and the true value of leveraging strong lender/realtor relationships. They also provide useful insights about saving money on your purchase with SAFE Credit Union member benefits and the exclusive Home Rewards program. Tune in today, because having a dedicated team of professional experts to help you navigate the home buying process just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. Nate Dunga (Home Loan Consultant) | phone: (916) 639-7652 | email: [email protected] Nico Almanza (Realtor) | phone: (916) 745-9643 | email: [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra is joined by Cordova High School student participants of SAFE's 2025 Youth Workforce Development program. Together they discuss their career goals and aspirations, the importance of financial literacy for Gen Z and Gen Alpha, and the impact of online influencers on young people's spending behaviors. They also provide valuable insights on how to prioritize savings and avoiding online spending traps. Tune in today, because investing in the personal and professional development of young adults in our community just makes Perfect Cents! Youth Workforce Development Marketing Ad (Instagram) To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Savannah Brown are providing tips and tricks for having summer fun on a budget. Together they discuss common summer money mistakes, the importance of making budget adjustments to keep you on track with your savings goals, and fun things to do that don't require a lot of money. They also provide useful insights on ways to maximize your savings and increase your cash flow… Because beating the heat and making the most of your summer season without breaking your budget just makes Perfect Cents! To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra is joined by Home Loan Manager, Casey Jenkins, to talk about all things Home Equity. Together they discuss various ways for you to leverage the equity in your home to enhance your financial wellness, the main differences between Home Equity Loans and Home Equity Lines of Credit (HELOCs,) and the most common uses for Home Equity funds. They also provide useful insights on how to determine if a Home Equity Loan or HELOC is the right choice for you… Because strategically utilizing your Home Equity to build financial freedom just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. SAFE Credit Union | How A HELOC Can Help You Build Financial Freedom SAFE Credit Union | Revitalize Your Home with an Intro HELOC Rate To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Lauryn Gray are talking about the concept of Financial Resilience. Together they discuss the importance of making your dollar stretch when faced with challenging circumstances. They also provide helpful tips on budgeting for a family, making healthy choices for your life and your wallet, and adapting to hard times… Because making your money work for you and being prepared for life's unexpected moments just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Cristian Amaral are talking about the concept of Financial Capability. Together they discuss the importance of learning the "rules" of personal finance, building better money habits, and investing for the future. They also provide helpful insights about automating savings and practicing forced scarcity to strengthen your budget skills. Because capitalizing on your opportunities to make sound financial decisions and setting yourself up for future success just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Savannah Brown are talking all about setting and achieving financial wellness goals. Together they define SMART Goals and discuss the importance of establishing timelines for short, mid, and long-term goals. They also provide useful tips to help you track your goal progress, prioritize your goals, and explore different ways to make your savings grow… Because being proactive and setting smart goals to help you build financial freedom just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. SAFE Credit Union | SMART Goal Worksheet SAFE Credit Union | Debt Pay Down Methods SAFE Credit Union | Financial Habits Reflection To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Miriam Dougherty have an in-depth conversation about building Spending & Savings Plans. Together they discuss the importance of understanding your current financial situation, gathering data to make informed discoveries about your income and expenses, identifying which areas you can adjust or improve, and setting SMART goals. They also provide inspiration and encouragement to help YOU create an action plan to take the next step on your path to better money management… Because building a strong spending and savings plan to achieve your financial goals just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. America Saves | 6 Steps to Establishing A Spending & Savings Plan United States Office of Financial Readiness | Spending Plan Worksheet SAFE Credit Union | Financial Habits Reflection SAFE Credit Union | Weekly Grocery Budget Mindtools | SMART Goals: How to Make Your Goals Achievable nerdwallet | How to Choose the Right Budget System: 4 Methods to Consider To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra and Miriam Dougherty share helpful tips and tricks for talking about personal finances with family and friends. Together they discuss the importance of having open and honest conversations about money, taking a proactive approach to managing money with others, and common money topics that impact relationships. They also provide inspiration and encouragement to help YOU navigate positive and productive conversations that can help you reach your financial wellness goals… Because speaking with friends and family about finances just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Savannah Brown welcomes Kue Lee from the State of CA, Department of Financial Protection and Innovation (DFPI.) Together they discuss the importance of protecting your personal information, avoiding financial scams, and the impact of identity theft on consumers. They also provide insights on the most common frauds and scams and share tips on what you can do to avoid becoming a victim… Because taking proactive to steps protect yourself against fraudsters and scams just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. CA Department of Financial Protection and Innovation CA Department of Financial Protection and Innovation | Events CA Department of Financial Protection and Innovation | Learn CA Department of Financial Protection and Innovation | Newsletter CA Department of Financial Protection and Innovation | Crypto Scam Tracker CA Department of Financial Protection and Innovation | Submit A Complaint Federal Trade Commission | Report Fraud To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this two-part episode of the Perfect Cents Podcast, Savannah Brown and Alex Becerra welcome Susan Stewart, business owner at Strapping Store and Licked Ice Cream in Sacramento, as well as Shannon Robb, VP of Strategic Partnerships at ChooseFolsom. Together they discuss the importance of supporting local businesses, the impact on our region's economy, and how small businesses contribute to the enrichment of our community. They also share unique ideas for gift-giving and sharing fun experiences with loved ones during the holiday season. Finally, they shout out a few of their own favorite businesses in and around the Greater Sacramento region… Because shopping local on small business Saturday and all throughout the year just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. Choose Folsom Big Apple Bagels MTT Collective Snook's Chocolate Factory Handley's Western Wear Back Bistro Palladio 16 Zen Day Spa Cantina Pedregal To contact Shannon Robb at ChooseFolsom, email: [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this two-part episode of the Perfect Cents Podcast, Savannah Brown and Alex Becerra welcome Susan Stewart, business owner at Strapping Store and Licked Ice Cream in Sacramento, as well as Shannon Robb, VP of Strategic Partnerships at ChooseFolsom. Together they discuss the importance of supporting local businesses, the impact on our region's economy, and how small businesses contribute to the enrichment of our community. They also share unique ideas for gift-giving and sharing fun experiences with loved ones during the holiday season. Finally, they shout out a few of their own favorite businesses in and around the Greater Sacramento region… Because shopping local on small business Saturday and all throughout the year just makes Perfect Cents! To check out the resources highlighted in this episode visit the links below. Strapping Licked The Kitchen Table Marie's Donuts Pancake Circus Evangeline's Costume Mansion Downtown Sacramento Ice Rink To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Savannah Brown and Miriam Dougherty tackle the topic of Financial Avoidance! This common money behavior often holds people back from taking control of their finances and achieving their financial goals. During the discussion, Savannah and Miriam highlight specific traits that can be used to identify Financial Avoidance, such as not checking bank statements, ignoring bills, allowing unopened mail to pile up, and not creating a plan to address financial challenges. They also share helpful tips and tricks for overcoming fear, managing stress, dealing with emotions, and breaking negative habits by developing positive routines. Tune in today and get inspired to own your financial wellness goals… Because understanding and increasing awareness of your past, present, and future financial behaviors just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra & Savannah Brown welcome SAFE Credit Union's 2024 High School Interns! It's summertime which means it's time for our interns to take over the Perfect Cents Podcast. Join these amazing students as they discuss the importance of learning financial education fundamentals, credit basics, and valuable skills that young people can gain by participating in an internship program. Tune in and enjoy this conversation with Sacramento's best & brightest students… because actively supporting the personal and professional development of young adults in your community just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. SAFE Credit Union - Refer Your Friend To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra & Hector Madueno welcome SAFE's professional experts, Lawrence Lomeli and Kevin Hagedon to discuss what it's like to purchase a car in 2024. Together they share helpful considerations, tips, and tricks to help consumers navigate their next car buying experience with knowledge and confidence. Topics include dealer inventory, pricing, loan preapprovals, trade-in values, warranties, protection products, and the importance of partnering with your local Credit Union to get the best deal and most value out of your next automobile. Join us for an insightful discussion and get all the tools you need to make your next car purchase the best one yet... because knowing your stuff and having peace of mind when shopping for a vehicle just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. CUDL AutoSMART | SAFE Credit Union Kelley Blue Book CARFAX Vehicle Protection & Insurance | SAFE Credit Union Auto Loans | SAFE Credit Union Financial Calculators | SAFE Credit Union SAFE Credit Union - Refer Your Friend To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra & Miriam Dougherty share the best financial advice they ever received from their moms. Together they discuss the importance of responsibly managing credit cards and how to take full advantage of promotions & rewards. They also talk about the benefits of having an organized money management system, keeping track of all your bills, and making payments on time. Tune in today and listen to the podcast team share valuable insights and helpful tips... because reflecting on the lessons you've learned from the amazing moms in your life just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. SAFE Credit Union - Refer Your Friend To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Alex Becerra & Hector Madueno talk about the Credit Union Difference and the various, unique ways SAFE Credit Union embodies the philosophy of "People Helping People." Throughout the episode they discuss SAFE's Financial Capability Month and Building CommYOUnity Month campaigns while spotlighting the work that is being done to advance financial education opportunities and community impact efforts for community members across the Sacramento region. Tune in and get the inspiration you need to create lasting positive impact in your community... because embracing the Credit Union philosophy of people helping people just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. CBS News / Good Day Sacramento | Rebuilding Together Sacramento (nonprofit) SAFE Credit Union - Refer Your Friend To access Financial Capability Month resources visit: https://www.safecu.org/community/financial-education#financial-guides To learn more about SAFE's Community Impact work visit: https://www.safecu.org/community/community-impact To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To contact the podcast team, email [email protected]

On this episode of the podcast, Hector Madueno and Miriam Dougherty welcome Sallie Mae's Director of Relationship Management, Jeff Lackey, to discuss the importance of the FAFSA for new college students. Together they provide helpful insights into the process of completing the FAFSA, various types of financial aid students may qualify for, and much more! Tune in and learn how to set your future college student up for success as they continue their journey of pursuing higher education... because understanding the different ways you can pay for a college education just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Federal Student Aid - FAFSA Sallie Mae Sallie Mae - How America Pays for College California Student Aid Commission SAFE Credit Union - Student Loans SAFE Credit Union - Scholarships SAFE Credit Union - Refer Your Friend To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

On this episode of the podcast, Alex and Miriam welcome SAFE Credit Union's Senior Insurance Specialist, Lisa Lomeli to discuss the importance of loan insurance and payment protection products. Together, they share valuable insights into various types of loan insurance including GAP (Guaranteed Asset Protection,) MBI (Mechanical Breakdown Insurance,) SAFE Payment Protection and more! They also share true stories that highlight the real-world benefits of protecting your loans, as well as, your credit standing and overall financial wellness. Tune in today and learn how to protect your loans, assets, and finances by utilizing loan insurance... because strategically using loan insurance products to ensure your financial wellness and give you extra peace of mind, just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Insurance You May Not Know You Need | SAFE Credit Union Beyond Every Day Banking Blog SAFE Credit Union | Insurance and Protection Options SAFE Credit Union Insurance and Protection HOTLINE: (916) 971-8764 Investopedia | Is Loan Protection Insurance Right for You? SAFE Credit Union - Refer Your Friend To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

On this episode of the podcast, Savannah and Alex discuss 5 tips for improving your credit in 2024. Together they discuss the importance of narrowing down your specific credit goals, understanding your complete financial picture, digging deep into your annual credit report, and more! Tune in today and get the inspiration YOU need to finally achieve your good credit goals... because following these 5 tips to build healthy credit habits just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. The 5 Factors of Credit | SAFE Credit Union Beyond Everyday Banking Blog AnnualCreditReport.com CreditKarma Equifax Experian TransUnion Debt Snowball vs. Debt Avalanche SAFE Credit Union - Refer Your Friend To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

On this episode of the podcast, Alex, Brit, Savannah, and Miriam share last-minute holiday spending tips submitted by fellow SAFE Credit Union employees. During the discussion they mention creative strategies for reducing spending, responsibly utilizing credit cards, deciding between wants vs. needs, alternative gift giving ideas, and much more! They also share insightful data around common holiday shopping trends, increases in gift-giving costs, and consumer spending habits. Tune in and get the support you need to cross those last-minute gifts off your checklist... because enjoying the festivities of the holiday season without the stress of overspending just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Bankrate.com | How to do Holiday Shopping on a Budget Bankrate.com | Americans to Slash Holiday Budgets due to Inflation Bankrate.com | After an Expensive 2023, 52% of Americans are Staying Home for the Holidays SAFE Credit Union - 12-Month Certificate Special SAFE Credit Union - Refer Your Friend To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/    Read More Quick LinksGet Embed PlayerShare on SocialDownload Audio File  

On this episode of the podcast, Alex and Savannah talk about increasingly popular specialty savings accounts - specifically, FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts.) Together they discuss the benefits of taking advantage of specialty savings accounts, the importance of fully understanding your employer benefits, helpful tips for getting the most out of your benefits offerings, preparing for your next open enrollment period and much more! Tune in and discover new ways to help YOU stretch your dollar further, cover your most essential needs, and ensure your future self is set up for continued success!.. because maximizing your health benefits to enhance your financial wellness just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. FSA Store HSA Store National Institutes of Health | The Difference Between a Flexible Spending Account (FSA) and a Health Savings Account (HSA) Investopedia | Health Savings vs. Flexible Spending Account: What's the Difference HealthEquity | HSA vs FSA: Which Account is Right for Me? FSA Store | Does my FSA Have a Grace Period or Rollover? SAFE Credit Union - Refer Your Friend To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

On this episode of the podcast, Alex once again welcomes SAFE Credit Union's Certified Financial Educator, Miriam Dougherty, to discuss the strong connections between money and relationships. Together they provide insights on the importance of discussing money matters with your significant other, helpful tips for having financial conversations at ALL stages of a relationship, statistical data about the impact of financial stress on relationships, setting common goals, and more! Whether you are in a long-term relationship, newly married, or are navigating a new relationship, this episode offers valuable insights to help you and your partner have effective and productive conversations about money... because talking about finances to strengthen your relationship and achieve your mutual goals, just makes Perfect Cents!   To check out some of the resources highlighted in this episode visit the links below. Fidelity - 2021 Couples & Money Study BBC - The 'Financial Infidelity' That Can Sink Couples The Knot - The Money-Related Questions to Ask When Dating Investopedia - Financial Infidelity: When Couples Lie to Each Other About Money Wealthspire - Domestic Partnership vs. Marriage: Financial Considerations SAFE Credit Union - Refer Your Friend To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

On this episode of the podcast, Alex and Brit are joined once again by SAFE Financial Educators Miriam Dougherty and Savannah Brown. Together the podcast team discusses recent updates on the status of the Biden Administration's student loan forgiveness efforts, student loan repayments, and programs that may assist graduates with navigating the shift to upcoming Student Loan payments. They also highlight useful tips for shifting your budget to make room for continuing payments while encouraging you to seek out nonprofit community organizations, Alumni associations, and other resources to help with essential goods and services. Tune in today and get the inspiration you need to tackle your student loans because realizing that YOU can payoff your student debt... just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Federal Student Aid (FSA) - Federal Student Loan Debt Relief Federal Student Aid (FSA) - Loan Simulator Her Money - Your Student Loan FAQ Answered, with Tara Siegel Bernard (Article) Her Money with Jean Chatzky - All Of Your Student Loans Questions Answered with Tara Siegel Bernard (Apple Podcasts) Her Money with Jean Chatzky - All Of Your Student Loans Questions Answered with Tara Siegel Bernard (Spotify) NPR - 12 Things Student Loan Borrowers Should Know About The Return To Repayment Forbes - 6 Student Loan Forgiveness And Repayment Updates As Interest Starts Accruing ShopSavvy Sacramento Food Bank & Family Services Placer Food Bank Elk Grove Food Bank Fair Oaks-Orangevale Food Bank Rancho Cordova Food Locker Yolo Food Bank Sacramento Public Library Placer County Library Yolo County Library Libby To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

September is Building CommYOUnity Month at SAFE Credit Union and the podcast team is celebrating with a nonprofit spotlight! On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Amber Stott from Food Literacy Center, a Sacramento-based nonprofit. The mission of Food Literacy Center is to, "inspire kids to eat their vegetables" by teaching children in low-income elementary schools cooking, nutrition, gardening, and active play to improve our health, environment, and economy. Together, they discuss the amazing work that Food Literacy Center is doing in honor of Food Literacy Month, the positive impacts of enriching the lives of local youth and their families through healthy eating programs, and the uplifting power of community partnerships. There's simply no time like the present to get more involved in your community so tune in today to find out how you can support. Because eating your vegetables... just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Food Literacy Center Food Literacy Month (September 1-30, 2023) Oak Park Farmer's Market  Oak Park Farmers Market relaunches with $500,000 grant under new nonprofit (ABC10) To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

Attention! The interns have taken over! On this episode of the Perfect Cents Podcast, SAFE's 2023 High School Interns are in the hosting seat and turning the tables on the podcast team. Tune in as the students take turns interviewing Alex, Brit, and Savannah about SAFE's Community Impact projects, financial advice for high school Seniors, the keys to professional success, and so much more! It's a discussion that ranges from humorous and light-hearted to thoughtful and poignant - all the while showcasing an amazing group of students and their experience participating in SAFE Credit Union's 2023 Summer Internship program, because working together to uplift the future leaders of tomorrow... just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Interns Paint Classrooms, Sort Donations for Single Mom Strong  2023 SAFE Credit Union Interns (Instagram) Cordova High School Business Technology Academy - SAFE Credit Union, an Official Partner SAFE Credit Union, Securing Our Community's Future Through Education (Comstock's Magazine) To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

On this episode of the Perfect Cents Podcast, Brit and Alex welcome two of SAFE's best and brightest Professional Experts (Dominic Davenport and Louis Mariner) to discuss the positive impact of having Money Conversations with Kids. Tune in as they share valuable insights and ideas to help YOU share the gift of financial wellness with the youngsters in your life. Together, they discuss some of the biggest challenges in helping kids create smart money habits, financial lessons they wished they had learned earlier in their lives, and strategies for piquing a kid's interest for responsible spending, saving, and managing money. Because preparing the children to achieve financial wellness tomorrow... just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. nelly and fitz (Instagram) Up | Carl & Ellie Fredericksen (YouTube) HISO SAC Il Pizzaiolo Taylor's (yelp) To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To learn more about SAFE Financial Services (financial advisors, wealth management, and financial planning) visit: https://www.safecu.org/wealth-management  

Season 5 has arrived! On this episode of the Perfect Cents Podcast, Alex, Brit, Miriam and Savannah share candid updates on their individual debt payoff challenges and discuss the changing life circumstances that have influenced their overall debt profiles. Then, the podcast team dives into a conversation about enjoying Summer on a budget. Listen as our hosts highlight tips, tricks, and thoughtful considerations to help YOU save money during these hot weather days. Tune in and get ready to spend the rest of the season staying cool without burning your money because... making a plan to save money during the Summer just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Nerd Wallet - Pay Off Debt: Tools & Tips Principal - 3 Ways to Pay Off Your Debt SMUD - Energy Savings Tips AllTrails SAFE Credit Union, Beyond Everyday Banking Blog - The 5 Factors of Credit Perfect Cents Podcast - Invest in the Planet, Earth Day 2022 (featuring SMUD) To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and serv ices visit: https://www.safecu.org/ 

On the Season 4 finale of the Perfect Cents Podcast, Alex & Brit welcome Jazmine Chatman, Joseph Mayeux, and LaTroya Johnson from SAFE's Black@SAFE (B@S) Employee Resource Group to recognize the importance of Juneteenth, which became a federal holiday in 2021. Throughout the episode, they chat about the significance of Juneteenth, what the holiday means to them, how SAFE supports Diversity, Equity, Inclusion, and Belonging initiatives within the organization, and so much more! Join us as we send off the fourth season of the podcast with a humbling conversation about what it means to create a stronger sense of community, connection, and understanding amongst all groups of people while honoring and celebrating Juneteenth as a monumental celebration of American freedom, marking the official end of African American slavery in 1865... because getting curious and learning more about Juneteenth, just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Louisiana Heaven Restaurant Q1227 Restaurant Zach and Zoe Sweet Bee Farm Mary and Berries Beauty ROYAL Dancers To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

May is Mental Health Awareness Month! Join Alex & Brit as they sit down with SAFE's Chief Human Resources Officer, Colleen Nerius to discuss the various connections between mental health and financial wellness. Throughout the discussion they uncover the impacts of financial stress on one's overall wellness, how that affects their productivity in the workplace, and different ways people can find support to help them through times of financial stress. They also share about the proactive ways SAFE supports its own employees through financial wellness resources and benefits, SAFE's wellness committee and its EAP (Employee Assistance Program.) Finally, Colleen shouts out a few of her favorite local restaurants and business in the Sacramento region. To check out some of the resources highlighted in this episode visit the links below. Purdue Today | Mental well-being inherently connected to financial wellness American Psychological Association | Speaking of Psychology: The stress of money, with Linda Gallo, PhD ForbesWomen | How Financial Stress Impacts Your Health Financial Health Network | Financial Health Pulse 2022 U.S. Trends Report Mas Taco (Sacramento) Mehfil Indian Restaurant (Roseville Ginger Elizabeth Chocolates (Sacramento) Insight Veterinary Wellness Center (El Dorado Hills) To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

Big Day of Giving is here once again and the Perfect Cents Podcast team is celebrating by sharing the love with several amazing nonprofits serving our community. Join Alex & Brit as they spotlight ten nonprofits that SAFE will be supporting for Big Day of Giving 2023. Listen as our co-hosts are joined by guests from The Gathering Inn, Single Mom Strong, Shriners Children's of Northern California, PRIDE Industries, Health Education Council, Habitat for Humanity, and All About Hope who share inspiring stories of the work they are doing to support communities throughout the Greater Sacramento region. Additionally, Alex & Brit provide information about the other wonderful nonprofits that SAFE is supporting this year, RRUFF Healing Heroes, Sacramento Lavender Library, and Her Health First. It's a nonprofit celebration and we encourage you to pull out your wallet and give to one or more local nonprofits... because supporting charitable causes that are near and dear to your heart, just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Big Day of Giving The Gathering Inn Single Mom Strong Shriners Children's Northern California PRIDE Industries | The Michael Ziegler PRIDE Industries Foundation PRIDE Industries | I AM ABLE Helpline / (844) 426-2253 Health Education Council Habitat for Humanity of Greater Sacramento All About Hope RRUFF Healing Heroes Sacramento Lavender Library Her Health First Beyond Everyday Banking Blog (SAFE) | Show Your Generosity For BDOG 2023! To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

On this episode of the Perfect Cents Podcast Alex & Brit welcome the owners of Of Land & Sea Co. to discuss the various ways YOU can go green this Earth Day! During their conversation they chat about the benefits of shopping at a local refill store and the positive environmental impacts of choosing Earth-friendly swaps, while debunking some common misconceptions about the true cost of investing in sustainability.  Tune in and join us for this special Earth Day celebration... because saving money while doing your part to save our planet just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Of Land & Sea Co. Website (Sacramento) Of Land & Sea Co Instagram: @of_land_and_sea_co KC Kombucha (Sacramento) East Village Bookshop (Sacramento) To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

On this episode of the Perfect Cents Podcast Alex & Brit welcome Sarah Soteroff from Too Good To Go to discuss the various ways YOU can go green by reducing food waste this Earth Day! During their conversation they chat about the positive impacts of eliminating unnecessary food waste and the innovative concept of the Too Good To Go app, while debunking some common misconceptions about the true cost of investing in sustainability.  Tune in and join us for this special Earth Day celebration... because saving money while doing your part to save our planet just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Too Good To Go Greenhouse Juice Co. (Toronto) Summerhill Market (Toronto) Eataly (Toronto) Ginger Elizabeth Chocolates (Sacramento) To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

April is Financial Literacy Month and the Perfect Cents Podcast team is here to highlight all the exciting things SAFE Credit Union is doing to celebrate! Join Alex, Brit, Miriam and Savannah as they share progress updates on their individual debt payoff journies and discuss the many ways SAFE is increasing access to Financial Education for our entire community. Whether YOU are attending one of our newly updated webinars, reading our financial education blogs, or cheering on the official launch of SAFE's Budget Cents program for High School students in the Greater Sacramento region, there are so many ways to get involved... because sharing the gift of financial literacy just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Investopedia | Financial Literacy: What It Is, and Why It Is So Important KCRA 3 | Bill would require California high school students to take personal finance class California Department of Education | State Funds for Financial Literacy and Funds to Train 1000 Teachers Beyond Everyday Banking Blog (SAFE) | Why We Celebrate Financial Literacy Month To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/   

On this episode of the Perfect Cents Podcast, Alex & Brit sit down with Hannah Berkowitz from zogo, a fun and exciting mobile app that provides on-demand learning modules with a focus on financial education topics. Together they chat about SAFE's recent partnership with zogo, the benefits of having financial education at your fingertips, and how YOU can start earning pineapples today! Hannah also shows some love to her favorite local businesses in Austin, TX. Be sure to check out the app, use access code PODCAST, and take the next step towards improving your financial wellness today... because using zogo to learn and earn just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. zogo (Use access code: PODCAST) Terry Black's Barbecue Whisler's Latchkey To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

On this episode of the Perfect Cents Podcast, co-hosts Alex & Brit sit down with SAFE Credit Union's first female CEO & President, Faye Nabhani in celebration of Women's History Month. Throughout the discussion they chat about Faye's lifelong credit union journey, the importance of building financial freedom and the lasting positive impacts of mentorship. Faye also shares her passion for supporting STEM Education programs and provides a few words of inspiration to empower fellow women in the workplace. To check out some of the resources highlighted in this episode visit the links below. Artfully Rooted Marketplace (Folsom) To contact the hosts, email us at [email protected] To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Alex & Brit for Episode 5 as they welcome Sylvia Garcia (Real Estate Processing Manager at SAFE Credit Union) to talk about Saving At Any Age. Throughout the episode they highlight the importance of starting your savings journey as early as possible and provide valuable insights about the impact different seasons of your life will have on how you save and what you're saving for... because saving at any age just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. For more information about America Saves Week visit: https://americasavesweek.org/ Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week Yelp - Pasta Bella Ristorante (Martinez) SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.  To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Jointhe Perfect Cents Podcast team for Episode 4 as they sit down to discuss how Paying Down Debt Is Saving. Throughout the episode they share updates on their 2023 debt payoff goals and provide valuable insights about the cost of paying interest and the short & long-term benefits of paying down debt to increase your cash flow... because paying down your debt to boost your savings just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. For more information about America Saves Week visit: https://americasavesweek.org/ Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week Beyond Everyday Banking Blog: The 5 Factors of Credit Nerd Wallet - Pay Off Debt: Tools & Tips Principal - 3 Ways to Pay Off Your Debt SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.  To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 3 as they sit down with special guest Daniel Trujillo (Relationship Officer/Work Team Lead at SAFE Credit Union) to talk about Saving for Major Milestones. Throughout the episode they discuss the major milestones they've personally saved up for, the satisfaction that comes with growing your savings accounts balances, and the importance of letting your core values determine your long-term financial goals... because saving for major milestones just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Carmelita's Mexican Restaurant (Roseville) For more information about America Saves Week visit: https://americasavesweek.org/ Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.  To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 2 as they sit down with special guest LaTroya Johnson (Contact Center Service Representative at SAFE Credit Union) to talk about the importance of Saving for the Unexpected. Throughout the episode they share wisdom and provide valuable insights on determining wants vs. needs, sticking to a budget, and taking advantage of free resources to help you save money for a rainy day... because saving today for what might happen tomorrow just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. Slim & Husky's (Sacramento) For more information about America Saves Week visit: https://americasavesweek.org/ Beyond Everyday Banking Blog: Gain Financial Confidence with SAFE During America Saves Week SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.  To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/ 

America Saves Week 2023 is here and we want YOU to celebrate by listening to our 5-episode miniseries discussing all things saving! Join Brit & Alex for Episode 1 as they sit down with special guest Mike Knitter (VP, Total Rewards at SAFE Credit Union) to talk about strategies for saving automatically. Throughout the episode they discuss easy and accessible ways to increase your savings by utilizing and maximizing your employee benefits. Topics include: 401(k) matching programs, Flexible Savings Accounts, Health Savings Accounts, Direct Deposit options and more!.. because Saving Automatically just makes Perfect Cents! To check out some of the resources highlighted in this episode visit the links below. For more information about America Saves Week visit: https://americasavesweek.org/ Forbes - What Is A 401(k) Match? Forbes: Healthcare FSA vs. HSA - Understanding The Differences SAFE's 2023 High School Scholarship Program: www.safecu.org/2023scholarship - current cycle is open through March 15, 2023.  To contact the hosts, email us at [email protected]  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/