Sound Cents

Weddings can cost a lot of money if you're not making careful decisions around your budget. Many couples turn to high-interest credit cards to help pay for their wedding. Today's podcast guests are Emma Protsik & Sara Bickers, each planning their weddings on a budget! Listen to their tips and tricks on having your dream wedding without financial stress.

Work with one of our free Financial Coaches, visit Ent.com/Coaching

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice.

Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.  

Information stated is current as of the time of recording and may be subject to change in the future. 

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.  

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.  

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information. 

This episode contains vital information to help you stay on top of your student Loan game. Ent Credit Union's Katie Griffin & Sara Bickers are here to discuss types of student loans, navigating repayment plans, forgiveness options, and more.

In today's episode, you'll find out:

Links mentioned:

For more articles, calculators, and other financial resources, visit Ent.com/EducationCenter

Work with one of our free FInancial Coaches, visit Ent.com/Coaching

Disclaimers:

Information stated is current as of the time of recording and may be subject to change in the future. 

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.  Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.  

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information. 

As prices on everyday items continue to climb, it is more important than ever to find new ways to spend less and save more. There are tons of strategies and resources out there that can help you save money on some of your more common purchases.

In this episode, we are joined by Michael Ruzycki (Financial Wellness Curriculum Developer) and Nate Juvera (Community Education Events Lead), and will cover:

· Finding name-brand items at discount prices.

· What items you can buy in bulk to help save money against inflation.

· Using apps at your favorite shops to get deals and earn rewards.

· Adjusting your seasonal energy habits to help lower your utility bill.

· How tackling DIY projects can cut back on major expenses.

· Being mindful of what you’re purchasing and the value compared to the price.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice. Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.

Information stated is current as of the time of recording and may be subject to change in the future.

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information.

The car buying market is ever-changing but navigating the buying process and working with dealers can be made simpler by doing your research ahead of time. Knowing your wants and needs can help you find a vehicle that has good value for your money.

In this episode, we are joined by Bree Shellito (Senior Manager of Community Impact,) and Jason Schoeberl (Senior Manager of Auto Lending), and will cover:

· How the car buying market has changed over the past few years.

· How starting your search online can help save you time and money.

· Budgeting ahead of time and what costs to think about other than just the monthly payment.

· What negotiating looks like as the market continues to change.

· Options for selling or trading in your vehicle.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice. Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.

Information stated is current as of the time of recording and may be subject to change in the future.

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information.

Many people hear the word “budgeting” and imagine endless spreadsheets and piles of receipts. However, creating a budget or spending plan doesn’t have to be a chore. Integrating your values can help you stay on track towards your financial goals and help make your spending more impactful.

In this episode, we are joined by Emma Protsik (Supervisor of Financial Coaching) and Sara Bickers (Community Educator Lead) and will cover:

· How aligning your values with a spending plan can make budgeting more fun and meaningful.

· How naming accounts and reframing money into “working hours” can help keep you on budget.

· Using a percentile-based budgeting method and how automation can help.

· How your values can shape your spending on needs, wants and savings.

· Emma and Sara’s favorite value-based spending tips.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.

Ent's Money Insight (Members)

Money Insight Lite (Non-members) (Apple) (Android)

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice. Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.

Information stated is current as of the time of recording and may be subject to change in the future.

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information.

Whether we’re flying across the world to visit exotic locations or driving across states to visit family for the holidays, most of us have to travel at some point. While things can get expensive, if you plan ahead, there are a lot of opportunities to save money on vacations and travel.

In this episode, we are joined by Nate Juvera (Community Education Events Lead) and Michael Ruzycki (Financial Wellness Curriculum Developer) and will cover:

· How both planning ahead and being flexible can help you save money on travel.

· Where to find deals on airfare.

· Things you should consider if you’re driving to your destination.

· Tips to save money on common expenses while you’re on vacation.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice. Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.

Information stated is current as of the time of recording and may be subject to change in the future.

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information.

Whether it’s a credit card for everyday purchases or a loan for a house or car, debt products are everywhere in the world of personal finance. While there is a lot of cautionary tales surrounding getting into debt (for good reasons), these products can also be a tool to help you reach your financial goals. It’s important to remember to stay organized and only take out what you can manage and pay back.

In this episode, we are joined by Katie Griffin (Supervisor of Community Education) and Sara Bickers

(Community Educator Lead) and will cover:

· The difference between “good” debt and “bad” debt.

· The popular debt payment strategies (snowball, avalanche and consolidation) and how they might apply to your situation.

· What to look out for if you’re considering a debt management plan or debt settlement.

· Katie and Sara’s favorite debt repayment tips.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice. Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.

Information stated is current as of the time of recording and may be subject to change in the future.

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information.

Building credit is a fundamental skill in personal financial management. Your credit score can affect everything from your money, your job and even where you live. However, understanding how your credit score is calculated and what you can do to improve it is not always easy. Having a good credit score will make it that much easier to hit your financial and life goals.

In this episode, we are joined by Bree Shellito (Senior Manager of Community Impact) and Emma Protsik

(Financial Coaching Program Lead) and will cover:

· What is a credit score and why it’s important?

· What factors go into your credit score.

· How to improve your credit score or build credit.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.

Disclaimers:

The information presented in this episode is intended to be used for informational purposes only and should not be considered advice. Consult a financial, tax or legal professional to see if the information provided in this episode is suitable for your situation.

Information stated is current as of the time of recording and may be subject to change in the future.

Third party products and services mentioned in the podcast are done so for informational purposes only and should not be considered endorsements or affiliations unless stated otherwise.

Any opinions of guests or third parties on the podcast are strictly their own and do not represent Ent Credit Union.

Ent Credit Union is insured by the NCUA and is an equal housing opportunity lender. Visit Ent.com for more information.

Transcript:

Hey everyone, it's Brent Sabati here at Ent Credit Union. As Colorado's largest credit union, our mission is to help you improve your financial quality of life through things like our online financial education center and free financial coaching. That's why we're excited to introduce Sound Cents, our newest podcast, where you'll hear from our money experts to help you make sense of your money.

We'll be diving into topics from across the world of personal finance to help turn the complex into something more simple so that you can actually use it in your financial life. Whether you're trying to improve your credit, buy a home, or save money on your next vacation, you're sure to pick up a tip or two.

So if you're trying to make sense of your money and improve your financial quality of life, make sure to subscribe so you never miss the latest episode of The Sound Cents Podcast.

For more articles, calculators and other financial resources, visit Ent.com/EducationCenter

Work with one of our free Financial Coaches to help you get on track with your money. Visit Ent.com/Coaching for more information.