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 homeConsidering the importance of community and lifestyle Exploring the potential long-term financial benefits of homeownershipFollowing 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 cardHow to join a credit union and access an account remotelyTips for building emergency funds and savingFollowing 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 spendingFollowing 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 gymThe connection between sleep and financial stabilityThe 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 vacationThe 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 goalsFollowing 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 FOMOLong-term financial implications of making decisions based on FOMOFollowing 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 scamsActions to take if your data is compromisedFollowing 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 homeTips 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-makingHow 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 expensesThe 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 reportsFollowing 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 saveFollowing 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 goalsMethods for managing and paying off debtFollowing 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 scamsHow you can get back on track financially after the holiday seasonFollowing 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 mattersHow volunteering can improve your wellbeingHow to make community service a part of your life How you can give back using your skillsFollowing 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 goodsTips for personal growth and overcoming limits, including prioritizing mental health and continuous learningFollowing 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 changeSteps to ensure their long-term financial health and wellbeing as they move into a new career pathFollowing 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 mediaSetting 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 costsManaging stress related to financial concerns while being an educatorFinancial education programs for teachersCommon misconceptions parents have about educatorsFollowing 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 bankingAn overview of the economy and how it can impact your overall wellbeingFollowing 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 fraudStrategies for maintaining privacy and security in online transactionsHow Affinity detects and mitigates fraud risksFollowing 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 timeThe importance of saving for long-term financial goals and building an emergency fundGrant 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 summerAvailable resources to take advantage of if you are stressed about your finances The importance of budgeting and planning for the long termGrant 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 tripCommon 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-careBudgeting and planning ahead, to rid that financial stressMeet with a financial counselor for helpThe 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 UnionSteps the credit union takes to protect member deposits and how is it different than a bankFollowing 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.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In the tenth episode we will be republishing episode 6, "How to Make Financial Literacy Fun and Easy". In light of April being National Financial Literacy Month. Grant begins with updating us on the launch of Wellbeing and Your Wallet Index findings. Including word from our sponsor Affinity’s Smartstart Savings. The team then begins their discussion by sharing their personal financial stress assessment results. They share insight on how to understand your own pain points when it comes to financial stress. The team also emphasizes the importance of taking the opportunity to give yourself credit for your financial wins. Jacqui and the team then dive into the main discussion around financial stress in this current economy. The team highlights Enrich, which is an online personal finance tool to help you learn about money management, personal credit, insurance, and retirement through online modules.Some additional topics covered include:Ways to balance, manage, and work through financial stressBudgeting, and prioritizing keeping your finances up to dateFollowing the main discussion, Grant pulls a question from the Member Mailbag and the team answers the member-submitted question: I follow so many influencers that offer different savings and investing advice and all partner with different platforms and partners. How do I cut out the noise and focus on what’s best for my financial situation and needs? In response, the team discusses the importance of properly vetting and diversifying the content you consume, and really understanding the value and depth of that content. To wrap up this week’s episode, Grant highlights Affinity’s Smartstart Savings, an account that makes it easy to grow your savings with a very competitive rate and no minimum balance requirement!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 ninth episode, expert hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher discuss spring cleaning your finances, and the various ways you can take stock and refresh your budget. The team begins their discussion by sharing steps you can take this spring to refresh your budget and improve your overall financial wellbeing. They give tips on setting limits for yourself, and ways you can plan for the rest of 2023 and beyond. The team also emphasizes the importance of looking for help from your financial partners, and looking for good checking and savings accounts to gain interest on the money you have. Grant and the team continue their main discussion by sharing insight on borrowing money during this tough economic environment. They share strategies on how you can review your credit score to make sure there are no surprises when realigning your budget. Some additional topics covered include:Ways to replenish three to six months worth of emergency funding Getting the most out of your money and maximizing credit card rewardsFollowing the main discussion, Grant pulls a question from the Member Mailbag and the team answers the member-submitted question: What is the best way to stay on track of all your subscriptions, such as Netflix, Hulu, or even random subscriptions you weren't even sure you had? In response, the team discusses the importance of monitoring your monthly statements to track your expenses, and setting reminders for yourself for all of your monthly subscriptions so nothing slips through the cracks. To wrap up this week’s episode, Grant highlights Affinity’s recent SmartStart Savings Account rate increase. The account that makes it easy to grow your savings with a very competitive rate and no minimum balance requirement!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 eighth episode, expert hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher welcome Karla Wallack, Executive Director of the Affinity Foundation to dive into social and community wellbeing. Karla describes the mission of the Affinity Foundation in three words: wellbeing, education and healthcare. She describes their chief goal to help people leave poverty behind for good. Throughout the episode, Karla shares her insight on how members can play a key role in helping their communities, how the Foundation gives back, and the importance of financial education. Notably, Karla also gives an overview of the Foundation’s match savings opportunity, Individual Development Accounts, where users can develop better saving habits through education and matches to supplement their savings. This account also allows users to have access to hands-on expert help along the way to saving for a specific asset that will improve their lives. Jacqui and the team dig deeper into the true impact that the Foundation makes and the actions they take in the community, along with the support of Affinity FCU employees and members. They shift the conversation to what it truly means to be a part of the Affinity Foundation and how it complements the credit union and its mission. Karla discusses the Foundation’s annual events including the Rise & Inspire Gala, Golf Invitational and Impact Day, as well as the Foundation’s scholarship program. Karla also issues a reminder that students should apply for the program before the deadline of May 1. Following the main discussion, Shawn pulls a question from the Member Mailbag. The team is tasked with answering the member-submitted question: What are some ways that Affinity members can help the community? Weighing in on different options that members have if they want to help the community, the team details how members can start getting involved. Jacqui emphasizes the importance of being kind and reconnecting with others in the community, especially post-pandemic.To wrap up this week’s episode, Grant tells listeners how they can send a donation to the Foundation, either through affinitygives.org/donate or by attending one of the events in person. 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 seventh episode, expert hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher are joined by their colleague Jessica Hennelly to discuss her experience managing finances with her fiancé. Jess kicks off the discussion with her top two recommendations for maintaining a good sense of financial wellbeing as a couple. She shares insight on goal-setting, budgeting, and what has worked in her relationship. The team weighs in on how they navigated their finances during wedding planning and the early years of their relationships. Jacqui and the team then dive into family finances, what everyone does well and where they can improve. The discussion shifts to lifestyle purchases and how to budget for large expenses like vacations, home improvement projects and unexpected costs. They cover how financial personalities can affect spending and saving as a couple and what works in their families. Everyone weighs in on how they divide or merge finances as partners during different life stages and manage financial hurdles as partners. Following the main discussion, Grant pulls a question from the Member Mailbag and the team answers the member-submitted question: My significant other and I are planning to move in together, but we have different incomes. Do you think that we should split the rent 50/50, or the person with the higher income pays more? In response, the team discusses the differences between couples and their own approaches. To wrap up this week’s episode, Grant highlights Affinity’s mortgage options, which offer solutions designed for your financial goals with no lender fees!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 sixth episode, expert hosts Jacqui Kearns, Shawn Lubitz, and Grant Gallagher discuss the various ways you can assess and understand financial stress. The team begins their discussion by sharing their personal financial stress assessment results. They share insight on how to understand your own pain points when it comes to financial stress. The team also emphasizes the importance of taking the opportunity to give yourself credit for your financial wins. Jacqui and the team then dive into the main discussion around financial stress in this current economy. The team highlights Enrich, which is an online personal finance tool to help you learn about money management, personal credit, insurance, and retirement through online modules.Some additional topics covered include:Ways to balance, manage, and work through financial stressBudgeting, and prioritizing keeping your finances up to dateFollowing the main discussion, Grant pulls a question from the Member Mailbag and the team answers the member-submitted question: I follow so many influencers that offer different savings and investing advice and all partner with different platforms and partners. How do I cut out the noise and focus on what’s best for my financial situation and needs? In response, the team discusses the importance of properly vetting and diversifying the content you consume, and really understanding the value and depth of that content. To wrap up this week’s episode, Grant highlights Affinity’s Smartstart Savings, an account that makes it easy to grow your savings with a very competitive rate and no minimum balance requirement!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 fifth episode, expert hosts Jacqui Kearns and Grant Gallagher walk through a financial check up to help you kick off the new year with goals for strengthening your financial wellbeing. The team begins their discussion by sharing their financial resolutions for 2023. They share some insights on increased consumer spending this past holiday season, and how it can impact your overall financial wellbeing. Jacqui and Grant then dive into the main discussion, posing one of the biggest questions they have received from members going into the new year: What are some of the ways to pay down holiday debt efficiently? They share insight on debt management and resources you can take advantage of.Some additional topics covered includeWays to pay down debt when inflation is still raising costs of everyday expensesUnderstanding the best debt paydown strategy for your situationFollowing the main discussion, Grant pulls a question from the Member Mailbag and the team answers the member-submitted question: My family is growing and we’ll need a new vehicle soon. Where do we start if we want to use an Affinity auto loan and not the options from the dealer that have high rates? The team provides a brief overview of the competitive auto buying landscape, and the importance of doing your research ahead of time and truly understanding everything that goes into purchasing a vehicle. To wrap up this week’s episode, Grant highlights Affinity’s Business Banking Services, which provides everything your small business needs to get going!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 fourth episode, expert hosts Jacqui Kearns, Shawn Lubitz and Grant Gallagher discuss managing debt and maintaining financial wellbeing during the holiday season.  The team begins their discussion asking the question: Where do you see the biggest increase in your spending around the holidays and at the end of the year? They address some of the biggest pain points they’re seeing regarding holiday spending and offering proactive tips you can implement to manage higher costs. Jacqui and the team dive into the main discussion around managing debt and maintaining financial wellbeing during the holiday season. The team recaps the main areas of spending that typically increase during the holidays and share tips on curbing spending to avoid racking up debt.Some additional topics covered include:Ways to plan your finances ahead for the holidays, and actions to take once the holidays are overHow members and listeners use direct deposit to add to a high yield savings account to save year-round for the holidaysFollowing the main discussion, Grant walks through the Member Mailbag when the team answers the member-submitted question: I recently changed jobs and they don’t offer a retirement savings option in their benefits. Where do I start if I still want to save a small portion of my paycheck towards retirement and get the tax benefits? The team offers suggestions on where to start when looking for a retirement savings option, like seeking the help of a financial professional.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 third episode, expert hosts Jacqui Kearns, Shawn Lubitz and Grant Gallagher analyze financial wellbeing in your career, and if you are living to work or working to live.  The team begins their discussion, asking the question: Are higher prices affecting you, your family, those around you? They address best practices for recognizing higher prices and strategies for handling increased costs. Jacqui and the team dive into the main discussion around working to live, or living to work, and how work can impact overall wellbeing and financial wellbeing. Shawn and Grant share insight on the importance of having passion in your career and how that impacts your overall wellbeing. Some additional topics covered include:Side hustles and their effect on your overall financial wellbeingHow to identify a skill that can be turned into a side hustle?When is the right time to monetize a passion? Following the main discussion, Grant walks through the Member Mailbag when the team answers the member-submitted question: My wife and I recently joined Affinity and want to make sure we are taking advantage of all the benefits of membership. We currently have shared checking, savings, and a mortgage. Is there anything else we should be considering? The team provides a brief overview of the products Affinity offers, and the importance of a financial wellbeing check up to ensure you are taking advantage of all the member benefits. To wrap up this week’s episode, Grant highlights Affinity’s Home Equity Line of Credit (HELOC), which gives you the key to getting more out of your home!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 Wellbeing and Your Wallet podcast! In the second episode, expert hosts Jacqui Kearns, Shawn Lubitz and Grant Gallagher analyze the differences between a bank and a credit union, and which offers you the most benefits. The team begins their discussion asking the question: Is it time to break up with your bank? How do consumers know they are getting the best experience? And exploring the important things to look out for. Jacqui and the team dive into the differences between a bank and a credit union, discussing the perks of joining a credit union. Shawn then shares some insight on credit union branches and the individualized services they provide for each member.  Some additional topics covered include:Credit union member experience and why it’s so important Real life anecdotes of the Affinity experience in actionFollowing the main discussion, Grant walks through the Member Mailbag segment where the team answers the member-submitted question: I recently graduated from college and started my first real job. I have no clue where to start with managing my income and expenses. What are the easiest ways to start budgeting? The team offers tips for those who are in the beginning stages of their financial journey, highlighting ways they can get started. To wrap up this week’s episode, Grant highlights Affinity’s Credit Counseling Services, which offers budgeting tips, debt management, 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 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.