April 21, 2025 ~ Lucy Ann Lance is joined by Nicole Bernacik, Financial Specialist with The University of Michigan Credit Union for Money Monday. Nicole provides tips on how to “spring clean” your finances for 2025, including decluttering debts through consolidation loans or home equity options, automating savings and bills, and refreshing your budget. Nicole also recommends reviewing spending, negotiating bills, using budgeting tools, organizing financial documents, and checking credit reports for accuracy and signs of identity theft.