In this episode of Making Sense of Money, presented by P1FCU, we're diving into the world of college admissions and financial aid with special guest Soo Lee Bruce-Smith from LC State.

We explore how the application process is evolving—from test-optional policies to the elimination of application fees—and what students and families need to know to stay ahead. Soo Lee shares practical tips for preparing early, understanding deadlines, and avoiding common mistakes.

We also break down the FAFSA, discuss the reality of Pell Grants, and explain the difference between need-based and merit-based aid. Whether you're helping your teen apply to college or planning to go back yourself, this episode is full of advice to help you navigate it all with confidence.

Don't miss this timely conversation that could help you or someone you love save money and stress on the path to higher education. Also, don't forget to subscribe to our newsletter at p1fcu.org for more financial tips.

In this episode of Making Sense of Money, we're digging into a creative and practical way to stretch your dollars—gardening! Host Tanis sits down with Danielle Evans, a Horticulture Educator from the University of Idaho Extension Office in Nez Perce County, to explore how growing your own food can be both rewarding and financially smart. Whether you're working with a backyard, a balcony, or a few pots on a windowsill, Danielle shares expert tips on starting small, choosing the right plants, and making the most of your harvest. From container gardening to cold storage and canning, we cover it all. Tune in to learn how gardening can nourish your budget, your body, and your peace of mind. Plus, hear Danielle’s take on what she wishes she had known about money earlier in life!

Check out this episode today, and subscribe to stay informed! Visit p1fcu.org/newsletter to learn even more about your finances.

In this episode of Making Sense of Money, presented by P1FCU, we're discussing fraud prevention with special guest Detective Tyler Crane from the Lewiston Police Department.

March is Fraud Awareness Month, and there’s no better time to discuss how we can protect ourselves—and each other—from scammers. Detective Crane brings valuable insight from his years of experience investigating fraud, especially cases targeting older members of our community.

From tech support impersonators to cryptocurrency cons, we break down the most common scams and the warning signs to watch for. Detective Crane shares practical tips on how to safeguard your personal information, spot red flags (like requests for crypto payments or gift cards), and why it’s so important to report fraud—no matter how big or small the loss.

If you've ever wondered, "Could this be a scam?"—this episode is for you. Tune in to gain the confidence and tools to keep yourself and your loved ones safe. Don't forget to subscribe to our newsletter at pnfcu.org for more financial tips.

In this episode of Making Sense of Money, presented by P1FCU, we dive into the world of home buying with our VP of Mortgage Lending, Wes Gossage. Purchasing your first home can be daunting, but we're here to guide you through the process. We discuss crucial steps like understanding mortgage commitments, maintaining financial stability, and being aware of unexpected costs such as inspections and commissions. Wes shares insights on financial habits, the importance of pre-approval, and red flags to watch for when house hunting. We also explore the significance of having a contingency fund for unforeseen expenses. Tune in to equip yourself with the knowledge you need to confidently embark on your home-buying journey. Don't forget to subscribe to our newsletter at pnfcu.org for more financial tips.

In this episode of Making Sense of Money, presented by P1FCU, we're tackling an important topic: gap insurance. It might seem like just another add-on, but it could be a financial lifesaver if your car is ever totaled or stolen.

Our VP of Member Engagement, Jen Piper, explains how gap insurance can help cover the difference between what you owe on your vehicle and its actual value. We'll explore when gap insurance makes sense, how much it typically costs, and why it's a smart move for protecting your finances.

Plus, Jen shares her personal approach to her finances, focusing on balance and long-term financial well-being.

Check out this episode today, and subscribe to stay informed! Visit p1fcu.org/newsletter to learn even more about your finances.

In this episode of Making Sense of Money, presented by P1FCU, we sit down with Kesha Barden from The Idaho Foodbank to explore savvy strategies for saving on groceries. Keisha shares her journey from college to becoming a nutrition education specialist, offering valuable insights into effective meal planning and budgeting. We discuss the importance of creating a grocery list, stocking pantry staples, and avoiding impulse purchases to stretch your budget. Keisha also highlights the vital role of food banks in the community and how donations, both food and monetary, make a significant impact. Tune in to discover practical tips for managing your grocery expenses and learn about the free nutrition classes offered by The Idaho Foodbank. Don't miss this chance to enhance your financial and nutritional well-being. Subscribe and visit p1fcu.org for more resources.

In this episode of Making Sense of Money, presented by P1FCU, we sit down with Chris Loseth, President and CEO of P1FCU, to discuss the crucial topic of financial well-being for all. We explore Chris' journey from his early days in accounting to his leadership role in the credit union world, emphasizing the importance of financial literacy and education. Chris shares insights on how credit unions prioritize member needs over profits, offering personalized guidance and resources. We delve into practical advice for managing personal finances, the significance of savings, and the power of compounding interest. Join us as we aim to elevate financial well-being and empower listeners with the knowledge to thrive financially. Don't forget to subscribe and visit p1fcu.org for more resources.

In the very first episode of Making Sense of Money, presented by P1FCU, we’re tackling a challenge many face after the holidays—managing debt. We sit down with Kylie, a leader from our lending team and a new mom, to talk about how becoming a parent shifts holiday spending priorities. It’s all about creating meaningful memories, not just filling the space under the tree.

Kylie shares real-life strategies for staying on top of holiday budgets, like starting a Christmas cash envelope early in the year to reduce financial stress. We also break down smart ways to tackle debt—focusing on high-interest loans first—and the ups and downs of budgeting as a parent. Plus, Kylie offers practical tips for overcoming the fear of debt and building financial confidence.

Join us as we navigate these financial waters together, helping you take control of your money and plan for a brighter financial future. Subscribe now, and visit p1fcu.org for more helpful resources!