Perfect Cents Podcast

Buying a new home? Thinking of what it takes to purchase a home? On this week's episode of the Perfect Cents Podcast Alex & Brit are joined by SAFE Credit Union mortgage gurus Ashley Van Den Berg and Brad Barroso to help you gain some knowledge to feel confident when buying a home. #knowledgeispower

They discuss the home buying process, how to overcome the anxiety that comes with a first time home purchase, bearded dragons, programs associated with home ownership, rising interest rates and more!

To check out some of the resources highlighted in this episode visit the links below:

SAFE Credit Union's Mortgage Info: https://www.safecu.org/personal/borrow-money/home-loans

Brad's Email: [email protected]

Limited Time Offer, SAFE Credit Union Mortgage Promotion (ends 7/9/2022) - https://www.safecu.org/get-500-with-a-home-loan-from-safe

For a guide on general terminology in the mortgage world, visit: https://www.consumerfinance.gov/consumer-tools/mortgages/answers/key-terms/

FHA loans: https://www.hud.gov/program_offices/housing/fhahistory

VA loans: https://www.benefits.va.gov/homeloans/

USDA loans: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

Brad's small Sacramento business recommendation:

https://www.papagiannis.net/

To contact the hosts, email us at [email protected]

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 are joined by Laine Himmelmann from Habitat for Humanity, Greater Sacramento! They discuss Habitat for Humanity's Homeownership program, Home Repair program and their local ReStore. Throughout the episode they highlight Habitat's mission to eliminate substandard housing and provide access to resources to help families improve their shelter conditions. They also talk about the recent Rock The Block volunteer event that drew support from over 500 volunteers and business organizations in the Greater Sacramento region.

To check out some of the resources highlighted in this episode visit the links below. Habitat for Humanity of Greater Sacramento - https://habitatgreatersac.org/

Habitat for Humanity ReStore - https://www.habitat.org/restores

Habitat for Humanity Qualifications/Apply - https://habitatgreatersac.org/home-ownership/apply/

Fizz Champagne & Bubbles Bar - https://www.fizzinsac.com/

Sacramento Philharmonic & Opera - https://www.sacphilopera.org/

Limited Time Offer, SAFE Credit Union Mortgage Promotion (ends 7/9/2022) - https://www.safecu.org/get-500-with-a-home-loan-from-safe

To contact the hosts, email us at [email protected]

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 are joined by Savannah Brown from SAFE Credit Union's Organizational Development team! Together they discuss SAFE's annual internship program, which provides Sacramento-area high school students with professional training and work experience at its 3 on-campus branch locations. Additionally, they talk about the joy of working with aspirational high schoolers, life lessons they learned from Spongebob Squarepants and the importance of partnering with schools to provide students with access to professional development opportunities...

Because making a commitment to personal and professional development, just makes Perfect Cents!

To check out some of the resources highlighted in this episode visit the links below.

Choices Ice Cream & Smoothie - https://www.oldsacramento.com/business/choices

SAFE Credit Union, Impacting Education - https://www.safecu.org/community/community-impact/education

To contact the hosts, email us at [email protected]

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 are celebrating Healthcare Appreciation Week with Aly Angeletti from Dignity Health! Together, they discuss ways the community can show support for our healthcare heroes, the varying aspects of overall wellness and the importance of creating access to mental health resources.

Doing your best to nurture all aspects of your personal wellness just makes Perfect Cents--send this episode to a healthcare hero YOU appreciate!

To check out some of the resources highlighted in this episode visit the links below.

Dignity Health: https://www.dignityhealth.org/hello-humankindness

Back Bistro: https://backbistro.com/

May is Mental Health Month Resource: https://www.nami.org/Get-Involved/Awareness-Events/Mental-Health-Awareness-Month

To contact the hosts, email us at [email protected]

To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/

On this 2-part episode of the Perfect Cents Podcast, Alex & Brit are getting ready for the annual Big Day of Giving, a regional fundraising campaign for nonprofits across the Sacramento region. In an effort to inspire your participation in this positively impactful event, they will be amplifying the voices of several nonprofit organizations that SAFE Credit Union has supported in recent years. Throughout the episode you will learn about the amazing work that each of these organizations does, the populations they serve, and the importance of Big Day of Giving.

Part 2 features interview segments with Julie Hirota from Saint John's Program for Real Change, Therese Hollander from Soil Born Farms Urban Agriculture & Education Project, and Larry Bolton from Foster Youth Education Fund. Tune in to find out how you can support your local nonprofits by giving money, time, and kindness... because coming together as a community to support our local nonprofits just makes Perfect Cents! To check out some of the resources highlighted in our goal-setting episodes visit the links below.

Big Day of Giving - https://www.bigdayofgiving.org/giving-events/bdog22

Saint John's Program for Real Change - https://saintjohnsprogram.org/

Red Door Desserts - https://sjpreddoordesserts.com/

Soil Born Farms, Urban Agriculture & Education Project - https://soilborn.org/

Camina Bakery - http://caminabakery.com/

Real Pie Company - https://realpiecompany.com/

Pachamama Coffee - https://pachamamacoffee.com/

Foster Youth Education Fund - http://www.fyef.org/

To contact the hosts, email us at [email protected]

To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/

On this 2-part episode of the Perfect Cents Podcast, Alex & Brit are getting ready for the annual Big Day of Giving, a regional fundraising campaign for nonprofits across the Sacramento region. In an effort to inspire your participation in this positively impactful event, they will be amplifying the voices of several nonprofit organizations that SAFE Credit Union has supported in recent years. Throughout the episode you will learn about the amazing work that each of these organizations does, the populations they serve, and the importance of Big Day of Giving.

Part 1 features interview segments with Erika Fatula from River City Food Bank and Genelle Smith from Wellspring Women's Center. Tune in to find out how you can support your local nonprofits by giving money, time, and kindness... because coming together as a community to support our local nonprofits just makes Perfect Cents!

To check out some of the resources highlighted in our goal-setting episodes visit the links below.

Big Day of Giving - https://www.bigdayofgiving.org/giving-events/bdog22

River City Food Bank - https://rivercityfoodbank.org/

Wellspring Women's Center - https://www.wellspringwomen.org/

To contact the hosts, email us at [email protected]

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 are celebrating Earth Day by finding new ways to Invest in the Planet. They are joined by special guest, Rhonda Staley-Brooks from SMUD to discuss SMUD's Zero-Carbon by 2030 Plan and share easy ways to save energy and save money by making more sustainable choices. Later in the show, they welcome loyal listener Sharon Millar from SAFE Credit Union to share her favorite sustainable swaps and encourage YOU to make a commitment to taking care of Mother Earth. Because renewing your commitment to invest in the planet, just makes Perfect Cents!

To check out some of the resources highlighted in our goal-setting episodes visit the links below.

Clean Power City - https://www.smud.org/en/Corporate/Environmental-Leadership/Clean-PowerCity

Energy Savings Tips - https://www.smud.org/energytips

Satori Sushi - https://www.satorisushiandgrill.com/

Sacramento Sister Circle - https://www.sacramentosistercircle.com/

Who Gives A Crap? - https://us.whogivesacrap.org/

earthbreeze - https://www.earthbreeze.com/

To contact the hosts, email us at [email protected]

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 conduct a listener check-in to provide updates on their progress for the 52-Week Savings Challenge, the February No-Spend Challenge and their 22 for 2022 lists! Tune in as they discuss what strategies have proven to be successful, which goals they've checked off through Quarter 1 and the opportunities they've discovered for growth and improvement. There's no time like the present to refresh your mindset and redefine what success really means as YOU make your way through the rest of 2022... Because re-evaluating your goals so you can invest in being your best, just makes Perfect Cents!

To check out some of the resources highlighted in our goal-setting episodes visit the links below.

52-Week Savings Challenge

To read the Beyond Everyday Banking "52-Week Savings Challenge" blog and download the fillable PDF tracker visit: https://blog.safecu.org/52-week-savings-challenge

No-Spend Challenge

https://www.thepennyhoarder.com/save-money/no-spend-challenge/

https://blog.safecu.org/new-tricks-for-saving-money-in-the-new-year

22 for 2022

*Note: 22 for 2022 is inspired by the Happier with Gretchen Rubin Podcast. For more information and to download a PDF to fill out your own 22 for 2022 list visit: https://gretchenrubin.com/resources

Alex's Music Recommendations

Red Hot Chili Peppers - Black Summer (YouTube)

HAIM - I Know Alone (YouTube)

To contact the hosts, email us at [email protected]

To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/

On this episode of the Perfect Cents Podcast, join Alex & Brit as they chat with nonprofit champion Lynn Malzone Ierardi. Together they discuss the importance of putting your money where your values are, the secret to nonprofit fundraising success and the best restaurant in Philly. The duo also chats with Lynn about the upcoming What If Conference hosted by the Impact Foundry where Lynn will be the keynote speaker -- this is sure to be an episode you don't want to miss!

To check out some of the resources highlighted in this episode visit the links below.

Learn more about the What If Conference presented by the Impact Foundry here: https://whatifconference.org/

Connect with our guest speaker, Lynn, on LinkedIn! https://www.linkedin.com/in/lynn-malzone-ierardi

Lynn's book Storytelling: The Secret Sauce to Fundraising Success

For more info on Lynn's consulting company visit her website at https://www.giftplanningadvisor.com/

Gran Caffe L'Aquila - Philadelphia - https://grancaffelaquila.com/

Bea Boccalandro's book, Do Good At Work: How Simple Acts of Social Purpose Drive Success and Wellbeing

Nonprofits mentioned in this episode:

Sacramento Valley Conservancy:

https://sacramentovalleyconservancy.org/

Keaton's Childhood Cancer Alliance:

https://childcancer.org/

Wellspring Women's Center:

https://www.wellspringwomen.org/

To contact the hosts, email us at [email protected]

To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/

We're back!

Join Alex & Brit for the official start of Season 2 with March Credit Mindfulness and a celebration of Women's History Month featuring two truly exceptional women from SAFE: Alexiss Abad, Senior AVP of Retail Operations & Sonya Alcaraz, Senior Collections Officer. Listen as they share personal insights about things they wished they had learned about credit when they were younger and how YOU can make a positive change to enhance your financial wellness...

Because learning to better manage your credit just makes Perfect Cents!

Visit the links below to check out some of the resources highlighted in this episode.

PUUR CHOCOLAT

EL NOVILLERO

To contact the hosts, email us at [email protected]

To check out the latest blogs from SAFE Credit Union visit: Beyond Everyday Banking

To join SAFE's Financial Educators for an upcoming live workshop visit: SAFE Credit Union Events

To learn more about SAFE Credit Union products and services visit: SAFE Credit Union