Explorez tous les épisodes du podcast Perfect Cents Podcast

How is the upcoming combination of SAFE and BECU going to change the future of banking in Northern California and Washington?

On this episode of the Perfect Cents Podcast, Alex Becerra sits down with SAFE COO, Tiffani Vargas, and BECU Chief Member & Digital Experience Officer, Jason Rudman, to dive deep into what this historic credit union partnership actually means for members and local communities. Discover how both institutions are uniting under the "Coming Together, Member First" philosophy, combining cutting-edge technology with a deep commitment to community impact.

From reducing member fees to expanding first-time homebuyer grants, learn how this combined force of nearly 2 million members aims to move people from financial access to true financial freedom! Don't forget to subscribe to stay updated on how we're helping our communities win!

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Mount Rainier National Park

Big Sur State Park (CA)

Visit Carmel-By-The-Sea

Visit Napa Valley

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

The Sacramento Bee - SAFE Credit Union makes the case for its pending merger with Seattle-area firm

Gold Mountain California News Media | Future of SAFE is still local

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

What actually happens to your money when you shop local? On this episode of The Perfect Cents Podcast, we sit down with Brian Munn, CEO of the Sacramento Natural Foods Co-op, to explore how the cooperative business model builds long-term regional wealth. Brian shares his journey from classical culinary training to managing a 50-year-old Sacramento institution.

We dive deep into the unique economic engine of co-ops, how their direct relationships with farmers protected their supply chain during global disruptions, and why partnerships between financial and consumer cooperatives create a stronger economic safety net for the community.

Disclaimer: This podcast is for educational purposes and does not constitute financial, tax, or legal advice. SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Sacramento Natural Foods Co-Op

Hawk's Public House

Mulvaney's B&L

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

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

Why is SAFE Credit Union combining with BECU? On this episode of the Perfect Cents Podcast, SAFE President and CEO Faye Nabhani sits down to explain the strategic vision behind this combination and what it actually means for members and the community.

Discover how this new partnership will drive greater member value through lower fees, competitive rates, and expanded consumer and small business loan opportunities. Faye shares insights on why now is the perfect time for this evolution while maintaining their core "people helping people" mindset. 

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Eat A Pita - Rancho Cordova

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

The Sacramento Bee - SAFE Credit Union makes the case for its pending merger with Seattle-area firm

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

Ever wonder what happens to your savings if the economy hits a rough patch? In this episode of the Perfect Cents Podcast, host Alex sits down with SAFE's Corporate Compliance Manager, Marina to demystify the NCUA and explain exactly how your money is federally protected.

Many people have heard of bank insurance through the FDIC, but what about credit unions? Enter the National Credit Union Administration (NCUA). Created to modernize the credit union industry, the NCUA's Share Insurance Fund provides automatic, federally backed protection for your deposits of $250,000.

Key takeaways include:

• What exactly is the NCUA, and how does it safeguard your financial journey?
• How does credit union protection compare to traditional bank insurance (NCUA vs. FDIC)?
• What specific accounts are covered (joint accounts, retirement, and upcoming trust account changes)?
• How can you easily calculate your personal coverage details?
• Why federal backing gives you ultimate peace of mind compared to private options.

Best of all? This coverage is 100% automatic—there's absolutely nothing you need to sign up for to keep your hard-earned funds secure. To date, not a single penny of member deposits has ever been lost from a federally insured credit union.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Karen's Bakery & Cafe

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

Calculate Your Protection Coverage: To check your exact status or map out your accounts using the official share insurance calculators, visit: https://mycreditunion.gov.

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

Is it time to ditch the traditional piggy bank? In this episode of the Perfect Cents Podcast, host Alex Becerra sits down with parent and banking expert Marcie Johnson to explore how to build financial confidence in children early. In an increasingly digital world where physical cash is disappearing, teaching kids how to manage money online is more important than ever.

Marcie shares her personal experience opening a checking account and getting a debit card for her child, highlighting how moving away from cash allowances helps prevent instant gratification. They discuss the major shift in family banking, including how credit unions like SAFE lowered the account age requirement to 6 years old, so kids can learn financial responsibility by doing. From navigating ATMs to checking online banking logs , discover how you can actively coach your kids toward smart budgeting, saving habits, and lifelong financial literacy. 

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Rocklin Community Theatre

Broadway Sacramento

SAFE Credit Union Performing Arts Center

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

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

Are you facing job loss, the rising financial stress, or unexpected bills? You don't have to handle it alone. On this episode of the Perfect Cents Podcast, host Alex Becerra welcomes SAFE Loan Service Manager, Amber Mitchell to discuss how to partner with your financial institution during tough times.

Topics include:

• Communication is Key: Loan servicing departments call out of care to find flexible solutions, not to penalize you.
• Flexible Options: Programs like Skip-A-Pay move your payment to the end of the loan term, protecting your credit.
• Community Support: Local credit unions focus on tailored, win-win outcomes for their neighbors. 

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Thai Hut (Sacramento)

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

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

Is the Sacramento housing market finally cooling down, or are we entering a significant period of transition? On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with renowned housing analyst and certified appraiser Ryan Lundquist to break down the latest Sacramento real estate trends.

With over 20 years of local experience, Ryan provides a data-backed look at why the current market is shifting from a fast-paced environment to a much tighter, inventory-strained landscape. Whether you are a first-time buyer or a seller trying to understand local appraisal trends, this interview offers the technical analysis you won't find in viral headlines.

Topics include:

• Market Inventory Dynamics: Why low supply coupled with low demand is creating a unique state of "normal."
• Regional Growth Drivers: The massive population shift toward Roseville and the ongoing transformation of downtown Loomis.
• The Bay Area Effect: How migration patterns from the coast continue to influence Sacramento home prices.
• Buying Strategy for 2026: Why a 20% down payment isn't a requirement and how to navigate the current entry-level market.
• Luxury Market Trends: An analysis of million-dollar sales and where the top 10% of the market is heading.

About the Guest: Ryan Lundquist is a certified residential appraiser and housing market analyst in the Sacramento area. Ryan runs the Sacramento Appraisal Blog, which is a top-ranking appraisal blog in the United States. He is a member of the Real Estate Appraisers Association of Sacramento. His clients include homeowners, real estate agents, CPAs, and attorneys. In his spare time, Ryan does woodworking. He also loves to walk.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Shangri-La (Fair Oaks)

High-Hand Cafe (Loomis)

High-Hand Brewing Company (Loomis)

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

To see this episode in our new video format visit: Sacramento Housing Market Update: Trends & Analysis with Ryan Lundquist (YouTube)

To view Ryan's official website and read his latest blog visit: Sacramento Appraisal Blog

To like, share, and subscribe to SAFE Credit Union's official YouTube page visit: SAFE Credit Union (YouTube)

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

Are you torn between the convenience of a fintech app and the personalized service of a credit union? In this episode of the Perfect Cents Podcast, host Alex Becerra is joined by Marcus Webb, Branch Manager at SAFE Credit Union's Granite Bay location.

With over 24 combined years of experience, they break down the shifting financial landscape—from the rise of "niche" apps like Rocket Money and Chime to why having a face-to-face relationship still carries immense "intangible value" in a digital world.

Topics include:

• Defining Fintech: Why younger consumers are drawn to specialized, one-dimensional digital tools.
• The "Data Point" Problem: The difference between being a member of a community and just another entry in an algorithm.
• The Credit Union Philosophy: How not-for-profit institutions prioritize the person over the profit.
• Life's Milestones: How a dedicated financial partner helps you navigate buying a first car, planning a wedding, or starting a family.

About the Guest: Marcus Webb is a veteran in the banking industry with 12 years of experience. He currently serves as the Branch Manager for the SAFE Credit Union Granite Bay branch, focusing on community-based growth and member success.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

R-Vida Cantina

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

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

Are you ready to stop paying your landlord's mortgage and start building your own equity? In this episode of the Perfect Cents Podcast, host Alex Becerra sits down with SAFE Credit Union Home Loan Manager Casey Jenkins to demystify the journey to homeownership.

Whether you're worried about your credit score or struggling to save for a down payment, this discussion provides a clear roadmap for anyone looking to secure their first set of house keys.

Topics include:

• Why your "bad credit" might actually be better than you think.
• The real cost of renting vs. the long-term benefits of home equity.
• How to balance paying off debt while saving for a down payment.
• Why working with a mortgage advisor can help you create a winning plan.

About the Guest: With over 15 years of experience, Casey shares why the "boring" logistics of mortgages—rates, terms, and payments—are actually powerful tools to help you reach financial freedom.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Zócalo - Modern Mexican Hospitality

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

Beyond Everyday Banking Blog - SAFE Home Loan Consultants Help You Every Step of the Way

For details about SAFE HomeRewards, visit: SAFE HomeRewards

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with Lawrence Lomeli, AVP of Consumer Lending at SAFE Credit Union, to break down the complex world of borrowing and credit to help you build financial freedom for your future. 

Topics include:

• Borrowing as a Tool: Why credit should be viewed as leverage for big-ticket items like homes, cars, and education rather than a source of anxiety.
• Credit Score Factors: A deep dive into what influences your score, including repayment history, credit mix, and the depth of your profile.
• The Benefits of High Credit: How a strong score leads to better interest rates, lower costs, and more options from financial institutions.
• Overcoming Challenges: Understanding that credit is a journey and that past hardships like medical issues or setbacks are not a reflection of your self-worth.
• Red Flags to Avoid: Critical warnings about the dangers of payday loans and using credit for everyday living expenses like groceries and gas.

About the Guest: Lawrence Lomeli brings over 35 years of industry experience to the conversation, specializing in signature, personal, and auto loans. Resources: For more information on financial products and services, visit safecu.org to schedule an appointment with a professional expert today.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

Community & Local Favorites:

Land Ocean - New American Grill

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

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

To contact the podcast team, email Podcast@safecu.org

Are you looking to improve your financial health but don't know where to start? In this episode, join host Alex and special guest Marcie Johnson (Debit and Credit Program Manager at SAFE Credit Union,) as they discuss why mindful spending is the absolute foundation of long-term financial wellness. Whether you're a parent teaching your kids about money or just trying to navigate the convenience of digital payments, this conversation offers practical strategies for everyone. 

Topics include:

• The Three Spending Zones: How to categorize your expenses into essential, flexible, and emergency spending.
• Mindfulness & Money: Why taking a moment to think before you "tap" can prevent overspending in a world of Apple Pay and Google Pay.
• Strategic Tools: How to use mobile banking alerts and card notifications to keep your budget on track.
• Needs vs. Wants: Tips for differentiating between what you truly need and what can wait for a better time.

Community & Local Favorites:

• Supporting Local Arts - Marcie discusses the positive community impact of Rocklin Community Theatre, a local nonprofit where her children participate.
• Local Eats - The episode wraps up with a nod to Thai Basil, a favorite local dining spot.

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

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

Rocklin Community Theatre

Thai Basil: Fresh, Authentic, Thai

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of The Perfect Cents Podcast, host Alex Becerra is joined by Emilio Barrera, a Community Development Specialist at SAFE Credit Union. Together, they dive into the power of financial planning and how it can completely transform your relationship with money, starting with the way you spend. Emilio shares his expert insights on why a solid plan isn't just about numbers; it's about alleviating stress and stopping the impulse decisions that set you back. Whether you are starting your financial journey from scratch or recovering from past "speed bumps," this conversation provides a judgment-free roadmap to success.

Key Takeaway: Financial wellness is not a one-size-fits-all solution. It's about aligning your spending with your core values and building a small pathway of steps to reach your larger vision. 

SAFE is federally insured by NCUA and is an equal housing opportunity lender.

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

Are you feeling the weight of financial stress? Join us for a special episode of the Perfect Cents Podcast as we celebrate America Saves Week and Financial Capability Month!

In this episode, Alex is joined by Savannah Brown, a Community Development Specialist at SAFE Credit Union, to discuss why building a savings habit is the essential scaffolding for your financial wellness plan. Whether you are starting with just one dollar or looking to break a cycle of debt, this conversation offers practical insights into shifting your mindset from "I can't" to "I can."

About SAFE Credit Union: SAFE is federally insured by NCUA and is an equal housing opportunity lender. For more information on financial well-being, visit our website at safecu.org to schedule an appointment with an expert today. 

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra welcomes the newest member of SAFE Credit Union's Community Relations & Financial Education team, Eli Lopez! Together they discuss the importance of embracing a growth mindset, setting intentional goals, strengthening discipline, and practicing ownership & accountability. Throughout their conversation Eli also shares insightful analogies and helpful tips to illustrate the powerful impact of maintaining strong, clear, focus and following through on your commitments to achieve lifelong self-improvement. Tune in today, because staying committed to your goals, overcoming obstacles, and navigating challenges when things get tough… just makes Perfect Cents!

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Savannah Brown tackle the topic of Smart Holiday Shopping. Together they discuss insightful data points about consumer spending during the holidays, the importance of building a strong spending and savings plan, and strategies for ensuring a successful holiday shopping season. They also provide useful tips for avoiding flash sales, resisting the temptation for impulse purchases, and the fighting the inclination to jump on "too good to be true" deals. Tune in today, because navigating the holiday season with a smart shopping plan that won't break your budget… just makes Perfect Cents!

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

TD Bank | Merry Money Survey

TD Bank | Holiday Shopping Tips - Here's How to Keep Spending In Check

GNCU | Tips for Smart Holiday Spending

BBB | Shop Like a Pro and Make the Most of This Holiday Season

Nasdaq | 8 Holiday Temptations That Destroy Your Budget

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra is joined by SAFE's Senior Design and Communications Specialist, Susan Burns to tackle the topic of Financial Avoidance. Together they discuss Susan's featured articles in Comstock's Magazine, the importance of understanding your relationship with money, and strategies for leveraging your unique personal qualities to keep your finances in check. They also provide useful insights for being a positive money role model and helping the young people in your life as they learn to navigate their own financial wants, needs, and goals. Tune in today, because learning and demonstrating smart money behaviors to inspire the young people in your life as they build financial freedom… just makes Perfect Cents!

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

Read Susan's latest article in Comstock's Magazine: "How to Avoid Passing Financial Fears to Kids"

Read Susan's first article in Comstock's Magazine: "Are You a Financial Avoidant?"

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra is joined by SAFE Home Loan Consultant, Nate Dungca & Realtor, Nico Almanza to discuss all things Home Buying. Together they discuss the importance of organizing your finances before shopping for a home, the additional costs that come along with a home purchase, and the true value of leveraging strong lender/realtor relationships. They also provide useful insights about saving money on your purchase with SAFE Credit Union member benefits and the exclusive Home Rewards program. Tune in today, because having a dedicated team of professional experts to help you navigate the home buying process just makes Perfect Cents!

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

Nate Dunga (Home Loan Consultant) | phone: (916) 639-7652 | email: nathaniel.dungca@safecu.org

Nico Almanza (Realtor) | phone: (916) 745-9643 | email: nico@sellingsacramento.com

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra is joined by Cordova High School student participants of SAFE's 2025 Youth Workforce Development program. Together they discuss their career goals and aspirations, the importance of financial literacy for Gen Z and Gen Alpha, and the impact of online influencers on young people's spending behaviors. They also provide valuable insights on how to prioritize savings and avoiding online spending traps. Tune in today, because investing in the personal and professional development of young adults in our community just makes Perfect Cents!

Youth Workforce Development Marketing Ad (Instagram)

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Savannah Brown are providing tips and tricks for having summer fun on a budget. Together they discuss common summer money mistakes, the importance of making budget adjustments to keep you on track with your savings goals, and fun things to do that don't require a lot of money. They also provide useful insights on ways to maximize your savings and increase your cash flow… Because beating the heat and making the most of your summer season without breaking your budget just makes Perfect Cents!

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra is joined by Home Loan Manager, Casey Jenkins, to talk about all things Home Equity. Together they discuss various ways for you to leverage the equity in your home to enhance your financial wellness, the main differences between Home Equity Loans and Home Equity Lines of Credit (HELOCs,) and the most common uses for Home Equity funds. They also provide useful insights on how to determine if a Home Equity Loan or HELOC is the right choice for you… Because strategically utilizing your Home Equity to build financial freedom just makes Perfect Cents!

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

SAFE Credit Union | How A HELOC Can Help You Build Financial Freedom

SAFE Credit Union | Revitalize Your Home with an Intro HELOC Rate

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Lauryn Gray are talking about the concept of Financial Resilience. Together they discuss the importance of making your dollar stretch when faced with challenging circumstances. They also provide helpful tips on budgeting for a family, making healthy choices for your life and your wallet, and adapting to hard times… Because making your money work for you and being prepared for life's unexpected moments just makes Perfect Cents!

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Cristian Amaral are talking about the concept of Financial Capability. Together they discuss the importance of learning the "rules" of personal finance, building better money habits, and investing for the future. They also provide helpful insights about automating savings and practicing forced scarcity to strengthen your budget skills. Because capitalizing on your opportunities to make sound financial decisions and setting yourself up for future success just makes Perfect Cents!

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Savannah Brown are talking all about setting and achieving financial wellness goals. Together they define SMART Goals and discuss the importance of establishing timelines for short, mid, and long-term goals. They also provide useful tips to help you track your goal progress, prioritize your goals, and explore different ways to make your savings grow… Because being proactive and setting smart goals to help you build financial freedom just makes Perfect Cents!

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

SAFE Credit Union | SMART Goal Worksheet

SAFE Credit Union | Debt Pay Down Methods

SAFE Credit Union | Financial Habits Reflection

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Miriam Dougherty have an in-depth conversation about building Spending & Savings Plans. Together they discuss the importance of understanding your current financial situation, gathering data to make informed discoveries about your income and expenses, identifying which areas you can adjust or improve, and setting SMART goals. They also provide inspiration and encouragement to help YOU create an action plan to take the next step on your path to better money management… Because building a strong spending and savings plan to achieve your financial goals just makes Perfect Cents!

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

America Saves | 6 Steps to Establishing A Spending & Savings Plan

United States Office of Financial Readiness | Spending Plan Worksheet

SAFE Credit Union | Financial Habits Reflection

SAFE Credit Union | Weekly Grocery Budget

Mindtools | SMART Goals: How to Make Your Goals Achievable

nerdwallet | How to Choose the Right Budget System: 4 Methods to Consider

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra and Miriam Dougherty share helpful tips and tricks for talking about personal finances with family and friends. Together they discuss the importance of having open and honest conversations about money, taking a proactive approach to managing money with others, and common money topics that impact relationships. They also provide inspiration and encouragement to help YOU navigate positive and productive conversations that can help you reach your financial wellness goals… Because speaking with friends and family about finances just makes Perfect Cents!

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Savannah Brown welcomes Kue Lee from the State of CA, Department of Financial Protection and Innovation (DFPI.) Together they discuss the importance of protecting your personal information, avoiding financial scams, and the impact of identity theft on consumers. They also provide insights on the most common frauds and scams and share tips on what you can do to avoid becoming a victim… Because taking proactive to steps protect yourself against fraudsters and scams just makes Perfect Cents!

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

CA Department of Financial Protection and Innovation

CA Department of Financial Protection and Innovation | Events

CA Department of Financial Protection and Innovation | Learn

CA Department of Financial Protection and Innovation | Newsletter

CA Department of Financial Protection and Innovation | Crypto Scam Tracker

CA Department of Financial Protection and Innovation | Submit A Complaint

Federal Trade Commission | Report Fraud

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this two-part episode of the Perfect Cents Podcast, Savannah Brown and Alex Becerra welcome Susan Stewart, business owner at Strapping Store and Licked Ice Cream in Sacramento, as well as Shannon Robb, VP of Strategic Partnerships at ChooseFolsom. Together they discuss the importance of supporting local businesses, the impact on our region's economy, and how small businesses contribute to the enrichment of our community. They also share unique ideas for gift-giving and sharing fun experiences with loved ones during the holiday season. Finally, they shout out a few of their own favorite businesses in and around the Greater Sacramento region… Because shopping local on small business Saturday and all throughout the year just makes Perfect Cents!

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

Choose Folsom

Big Apple Bagels

MTT Collective

Snook's Chocolate Factory

Handley's Western Wear

Back Bistro

Palladio 16

Zen Day Spa

Cantina Pedregal

To contact Shannon Robb at ChooseFolsom, email: shannonr@choosefolsom.com

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this two-part episode of the Perfect Cents Podcast, Savannah Brown and Alex Becerra welcome Susan Stewart, business owner at Strapping Store and Licked Ice Cream in Sacramento, as well as Shannon Robb, VP of Strategic Partnerships at ChooseFolsom. Together they discuss the importance of supporting local businesses, the impact on our region's economy, and how small businesses contribute to the enrichment of our community. They also share unique ideas for gift-giving and sharing fun experiences with loved ones during the holiday season. Finally, they shout out a few of their own favorite businesses in and around the Greater Sacramento region… Because shopping local on small business Saturday and all throughout the year just makes Perfect Cents!

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

Strapping

Licked

The Kitchen Table

Marie's Donuts

Pancake Circus

Evangeline's Costume Mansion

Downtown Sacramento Ice Rink

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Savannah Brown and Miriam Dougherty tackle the topic of Financial Avoidance! This common money behavior often holds people back from taking control of their finances and achieving their financial goals. During the discussion, Savannah and Miriam highlight specific traits that can be used to identify Financial Avoidance, such as not checking bank statements, ignoring bills, allowing unopened mail to pile up, and not creating a plan to address financial challenges. They also share helpful tips and tricks for overcoming fear, managing stress, dealing with emotions, and breaking negative habits by developing positive routines. Tune in today and get inspired to own your financial wellness goals… Because understanding and increasing awareness of your past, present, and future financial behaviors just makes Perfect Cents!

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

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra & Savannah Brown welcome SAFE Credit Union's 2024 High School Interns! It's summertime which means it's time for our interns to take over the Perfect Cents Podcast. Join these amazing students as they discuss the importance of learning financial education fundamentals, credit basics, and valuable skills that young people can gain by participating in an internship program. Tune in and enjoy this conversation with Sacramento's best & brightest students… because actively supporting the personal and professional development of young adults in your community just makes Perfect Cents!

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

SAFE Credit Union - Refer Your Friend

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra & Hector Madueno welcome SAFE's professional experts, Lawrence Lomeli and Kevin Hagedon to discuss what it's like to purchase a car in 2024. Together they share helpful considerations, tips, and tricks to help consumers navigate their next car buying experience with knowledge and confidence. Topics include dealer inventory, pricing, loan preapprovals, trade-in values, warranties, protection products, and the importance of partnering with your local Credit Union to get the best deal and most value out of your next automobile. Join us for an insightful discussion and get all the tools you need to make your next car purchase the best one yet... because knowing your stuff and having peace of mind when shopping for a vehicle just makes Perfect Cents!

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

CUDL AutoSMART | SAFE Credit Union

Kelley Blue Book

CARFAX

Vehicle Protection & Insurance | SAFE Credit Union

Auto Loans | SAFE Credit Union

Financial Calculators | SAFE Credit Union

SAFE Credit Union - Refer Your Friend

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra & Miriam Dougherty share the best financial advice they ever received from their moms. Together they discuss the importance of responsibly managing credit cards and how to take full advantage of promotions & rewards. They also talk about the benefits of having an organized money management system, keeping track of all your bills, and making payments on time. Tune in today and listen to the podcast team share valuable insights and helpful tips... because reflecting on the lessons you've learned from the amazing moms in your life just makes Perfect Cents!

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

SAFE Credit Union - Refer Your Friend

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Alex Becerra & Hector Madueno talk about the Credit Union Difference and the various, unique ways SAFE Credit Union embodies the philosophy of "People Helping People." Throughout the episode they discuss SAFE's Financial Capability Month and Building CommYOUnity Month campaigns while spotlighting the work that is being done to advance financial education opportunities and community impact efforts for community members across the Sacramento region. Tune in and get the inspiration you need to create lasting positive impact in your community... because embracing the Credit Union philosophy of people helping people just makes Perfect Cents!

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

CBS News / Good Day Sacramento | Rebuilding Together Sacramento (nonprofit)

SAFE Credit Union - Refer Your Friend

To access Financial Capability Month resources visit: https://www.safecu.org/community/financial-education#financial-guides

To learn more about SAFE's Community Impact work visit: https://www.safecu.org/community/community-impact

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To contact the podcast team, email Podcast@safecu.org

On this episode of the podcast, Hector Madueno and Miriam Dougherty welcome Sallie Mae's Director of Relationship Management, Jeff Lackey, to discuss the importance of the FAFSA for new college students. Together they provide helpful insights into the process of completing the FAFSA, various types of financial aid students may qualify for, and much more! Tune in and learn how to set your future college student up for success as they continue their journey of pursuing higher education... because understanding the different ways you can pay for a college education just makes Perfect Cents!

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

Federal Student Aid - FAFSA

Sallie Mae

Sallie Mae - How America Pays for College

California Student Aid Commission

SAFE Credit Union - Student Loans

SAFE Credit Union - Scholarships

SAFE Credit Union - Refer Your Friend

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the podcast, Alex and Miriam welcome SAFE Credit Union's Senior Insurance Specialist, Lisa Lomeli to discuss the importance of loan insurance and payment protection products. Together, they share valuable insights into various types of loan insurance including GAP (Guaranteed Asset Protection,) MBI (Mechanical Breakdown Insurance,) SAFE Payment Protection and more! They also share true stories that highlight the real-world benefits of protecting your loans, as well as, your credit standing and overall financial wellness. Tune in today and learn how to protect your loans, assets, and finances by utilizing loan insurance... because strategically using loan insurance products to ensure your financial wellness and give you extra peace of mind, just makes Perfect Cents!

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

Insurance You May Not Know You Need | SAFE Credit Union Beyond Every Day Banking Blog

SAFE Credit Union | Insurance and Protection Options

SAFE Credit Union Insurance and Protection HOTLINE: (916) 971-8764

Investopedia | Is Loan Protection Insurance Right for You?

SAFE Credit Union - Refer Your Friend

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the podcast, Savannah and Alex discuss 5 tips for improving your credit in 2024. Together they discuss the importance of narrowing down your specific credit goals, understanding your complete financial picture, digging deep into your annual credit report, and more! Tune in today and get the inspiration YOU need to finally achieve your good credit goals... because following these 5 tips to build healthy credit habits just makes Perfect Cents!

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

The 5 Factors of Credit | SAFE Credit Union Beyond Everyday Banking Blog

AnnualCreditReport.com

CreditKarma

Equifax

Experian

TransUnion

Debt Snowball vs. Debt Avalanche

SAFE Credit Union - Refer Your Friend

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the podcast, Alex, Brit, Savannah, and Miriam share last-minute holiday spending tips submitted by fellow SAFE Credit Union employees. During the discussion they mention creative strategies for reducing spending, responsibly utilizing credit cards, deciding between wants vs. needs, alternative gift giving ideas, and much more! They also share insightful data around common holiday shopping trends, increases in gift-giving costs, and consumer spending habits. Tune in and get the support you need to cross those last-minute gifts off your checklist... because enjoying the festivities of the holiday season without the stress of overspending just makes Perfect Cents!

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

Bankrate.com | How to do Holiday Shopping on a Budget

Bankrate.com | Americans to Slash Holiday Budgets due to Inflation

Bankrate.com | After an Expensive 2023, 52% of Americans are Staying Home for the Holidays

SAFE Credit Union - 12-Month Certificate Special

SAFE Credit Union - Refer Your Friend

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the podcast, Alex and Savannah talk about increasingly popular specialty savings accounts - specifically, FSA (Flexible Spending Accounts) and HSA (Health Savings Accounts.) Together they discuss the benefits of taking advantage of specialty savings accounts, the importance of fully understanding your employer benefits, helpful tips for getting the most out of your benefits offerings, preparing for your next open enrollment period and much more! Tune in and discover new ways to help YOU stretch your dollar further, cover your most essential needs, and ensure your future self is set up for continued success!.. because maximizing your health benefits to enhance your financial wellness just makes Perfect Cents!

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

FSA Store

HSA Store

National Institutes of Health | The Difference Between a Flexible Spending Account (FSA) and a Health Savings Account (HSA)

Investopedia | Health Savings vs. Flexible Spending Account: What's the Difference

HealthEquity | HSA vs FSA: Which Account is Right for Me?

FSA Store | Does my FSA Have a Grace Period or Rollover?

SAFE Credit Union - Refer Your Friend

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the podcast, Alex once again welcomes SAFE Credit Union's Certified Financial Educator, Miriam Dougherty, to discuss the strong connections between money and relationships. Together they provide insights on the importance of discussing money matters with your significant other, helpful tips for having financial conversations at ALL stages of a relationship, statistical data about the impact of financial stress on relationships, setting common goals, and more! Whether you are in a long-term relationship, newly married, or are navigating a new relationship, this episode offers valuable insights to help you and your partner have effective and productive conversations about money... because talking about finances to strengthen your relationship and achieve your mutual goals, just makes Perfect Cents!  

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

Fidelity - 2021 Couples & Money Study

BBC - The 'Financial Infidelity' That Can Sink Couples

The Knot - The Money-Related Questions to Ask When Dating

Investopedia - Financial Infidelity: When Couples Lie to Each Other About Money

Wealthspire - Domestic Partnership vs. Marriage: Financial Considerations

SAFE Credit Union - Refer Your Friend

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the podcast, Alex and Brit are joined once again by SAFE Financial Educators Miriam Dougherty and Savannah Brown. Together the podcast team discusses recent updates on the status of the Biden Administration's student loan forgiveness efforts, student loan repayments, and programs that may assist graduates with navigating the shift to upcoming Student Loan payments. They also highlight useful tips for shifting your budget to make room for continuing payments while encouraging you to seek out nonprofit community organizations, Alumni associations, and other resources to help with essential goods and services. Tune in today and get the inspiration you need to tackle your student loans because realizing that YOU can payoff your student debt... just makes Perfect Cents!

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

Federal Student Aid (FSA) - Federal Student Loan Debt Relief

Federal Student Aid (FSA) - Loan Simulator

Her Money - Your Student Loan FAQ Answered, with Tara Siegel Bernard (Article)

Her Money with Jean Chatzky - All Of Your Student Loans Questions Answered with Tara Siegel Bernard (Apple Podcasts)

Her Money with Jean Chatzky - All Of Your Student Loans Questions Answered with Tara Siegel Bernard (Spotify)

NPR - 12 Things Student Loan Borrowers Should Know About The Return To Repayment

Forbes - 6 Student Loan Forgiveness And Repayment Updates As Interest Starts Accruing

ShopSavvy

Sacramento Food Bank & Family Services

Placer Food Bank

Elk Grove Food Bank

Fair Oaks-Orangevale Food Bank

Rancho Cordova Food Locker

Yolo Food Bank

Sacramento Public Library

Placer County Library

Yolo County Library

Libby

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

September is Building CommYOUnity Month at SAFE Credit Union and the podcast team is celebrating with a nonprofit spotlight! On this episode of the Perfect Cents Podcast, Alex & Brit are joined by Amber Stott from Food Literacy Center, a Sacramento-based nonprofit. The mission of Food Literacy Center is to, "inspire kids to eat their vegetables" by teaching children in low-income elementary schools cooking, nutrition, gardening, and active play to improve our health, environment, and economy. Together, they discuss the amazing work that Food Literacy Center is doing in honor of Food Literacy Month, the positive impacts of enriching the lives of local youth and their families through healthy eating programs, and the uplifting power of community partnerships. There's simply no time like the present to get more involved in your community so tune in today to find out how you can support. Because eating your vegetables... just makes Perfect Cents!

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

Food Literacy Center

Food Literacy Month (September 1-30, 2023)

Oak Park Farmer's Market 

Oak Park Farmers Market relaunches with $500,000 grant under new nonprofit (ABC10)

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

Attention! The interns have taken over! On this episode of the Perfect Cents Podcast, SAFE's 2023 High School Interns are in the hosting seat and turning the tables on the podcast team. Tune in as the students take turns interviewing Alex, Brit, and Savannah about SAFE's Community Impact projects, financial advice for high school Seniors, the keys to professional success, and so much more! It's a discussion that ranges from humorous and light-hearted to thoughtful and poignant - all the while showcasing an amazing group of students and their experience participating in SAFE Credit Union's 2023 Summer Internship program, because working together to uplift the future leaders of tomorrow... just makes Perfect Cents!

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

Interns Paint Classrooms, Sort Donations for Single Mom Strong 

2023 SAFE Credit Union Interns (Instagram)

Cordova High School Business Technology Academy - SAFE Credit Union, an Official Partner

SAFE Credit Union, Securing Our Community's Future Through Education (Comstock's Magazine)

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

On this episode of the Perfect Cents Podcast, Brit and Alex welcome two of SAFE's best and brightest Professional Experts (Dominic Davenport and Louis Mariner) to discuss the positive impact of having Money Conversations with Kids. Tune in as they share valuable insights and ideas to help YOU share the gift of financial wellness with the youngsters in your life. Together, they discuss some of the biggest challenges in helping kids create smart money habits, financial lessons they wished they had learned earlier in their lives, and strategies for piquing a kid's interest for responsible spending, saving, and managing money. Because preparing the children to achieve financial wellness tomorrow... just makes Perfect Cents!

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

nelly and fitz (Instagram)

Up | Carl & Ellie Fredericksen (YouTube)

HISO SAC

Il Pizzaiolo

Taylor's (yelp)

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/

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

To learn more about SAFE Financial Services (financial advisors, wealth management, and financial planning) visit: https://www.safecu.org/wealth-management

Season 5 has arrived!

On this episode of the Perfect Cents Podcast, Alex, Brit, Miriam and Savannah share candid updates on their individual debt payoff challenges and discuss the changing life circumstances that have influenced their overall debt profiles. Then, the podcast team dives into a conversation about enjoying Summer on a budget. Listen as our hosts highlight tips, tricks, and thoughtful considerations to help YOU save money during these hot weather days. Tune in and get ready to spend the rest of the season staying cool without burning your money because... making a plan to save money during the Summer just makes Perfect Cents!

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

Nerd Wallet - Pay Off Debt: Tools & Tips

Principal - 3 Ways to Pay Off Your Debt

SMUD - Energy Savings Tips

AllTrails

SAFE Credit Union, Beyond Everyday Banking Blog - The 5 Factors of Credit

Perfect Cents Podcast - Invest in the Planet, Earth Day 2022 (featuring SMUD)

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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

On the Season 4 finale of the Perfect Cents Podcast, Alex & Brit welcome Jazmine Chatman, Joseph Mayeux, and LaTroya Johnson from SAFE's Black@SAFE (B@S) Employee Resource Group to recognize the importance of Juneteenth, which became a federal holiday in 2021. Throughout the episode, they chat about the significance of Juneteenth, what the holiday means to them, how SAFE supports Diversity, Equity, Inclusion, and Belonging initiatives within the organization, and so much more! Join us as we send off the fourth season of the podcast with a humbling conversation about what it means to create a stronger sense of community, connection, and understanding amongst all groups of people while honoring and celebrating Juneteenth as a monumental celebration of American freedom, marking the official end of African American slavery in 1865... because getting curious and learning more about Juneteenth, just makes Perfect Cents!

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

Louisiana Heaven Restaurant

Q1227 Restaurant

Zach and Zoe Sweet Bee Farm

Mary and Berries Beauty

ROYAL Dancers

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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

May is Mental Health Awareness Month! Join Alex & Brit as they sit down with SAFE's Chief Human Resources Officer, Colleen Nerius to discuss the various connections between mental health and financial wellness. Throughout the discussion they uncover the impacts of financial stress on one's overall wellness, how that affects their productivity in the workplace, and different ways people can find support to help them through times of financial stress. They also share about the proactive ways SAFE supports its own employees through financial wellness resources and benefits, SAFE's wellness committee and its EAP (Employee Assistance Program.) Finally, Colleen shouts out a few of her favorite local restaurants and business in the Sacramento region.

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

Purdue Today | Mental well-being inherently connected to financial wellness

American Psychological Association | Speaking of Psychology: The stress of money, with Linda Gallo, PhD

ForbesWomen | How Financial Stress Impacts Your Health

Financial Health Network | Financial Health Pulse 2022 U.S. Trends Report

Mas Taco (Sacramento)

Mehfil Indian Restaurant (Roseville

Ginger Elizabeth Chocolates (Sacramento)

Insight Veterinary Wellness Center (El Dorado Hills)

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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

Big Day of Giving is here once again and the Perfect Cents Podcast team is celebrating by sharing the love with several amazing nonprofits serving our community. Join Alex & Brit as they spotlight ten nonprofits that SAFE will be supporting for Big Day of Giving 2023. Listen as our co-hosts are joined by guests from The Gathering Inn, Single Mom Strong, Shriners Children's of Northern California, PRIDE Industries, Health Education Council, Habitat for Humanity, and All About Hope who share inspiring stories of the work they are doing to support communities throughout the Greater Sacramento region. Additionally, Alex & Brit provide information about the other wonderful nonprofits that SAFE is supporting this year, RRUFF Healing Heroes, Sacramento Lavender Library, and Her Health First.

It's a nonprofit celebration and we encourage you to pull out your wallet and give to one or more local nonprofits... because supporting charitable causes that are near and dear to your heart, just makes Perfect Cents!

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

Big Day of Giving

The Gathering Inn

Single Mom Strong

Shriners Children's Northern California

PRIDE Industries | The Michael Ziegler PRIDE Industries Foundation

PRIDE Industries | I AM ABLE Helpline / (844) 426-2253

Health Education Council

Habitat for Humanity of Greater Sacramento

All About Hope

RRUFF Healing Heroes

Sacramento Lavender Library

Her Health First

Beyond Everyday Banking Blog (SAFE) | Show Your Generosity For BDOG 2023!

To contact the hosts, email us at Podcast@safecu.org

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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 welcome the owners of Of Land & Sea Co. to discuss the various ways YOU can go green this Earth Day! During their conversation they chat about the benefits of shopping at a local refill store and the positive environmental impacts of choosing Earth-friendly swaps, while debunking some common misconceptions about the true cost of investing in sustainability.  Tune in and join us for this special Earth Day celebration... because saving money while doing your part to save our planet just makes Perfect Cents!

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

Of Land & Sea Co. Website (Sacramento)

Of Land & Sea Co Instagram: @of_land_and_sea_co

KC Kombucha (Sacramento)

East Village Bookshop (Sacramento)

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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 welcome Sarah Soteroff from Too Good To Go to discuss the various ways YOU can go green by reducing food waste this Earth Day! During their conversation they chat about the positive impacts of eliminating unnecessary food waste and the innovative concept of the Too Good To Go app, while debunking some common misconceptions about the true cost of investing in sustainability.  Tune in and join us for this special Earth Day celebration... because saving money while doing your part to save our planet just makes Perfect Cents!

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

Too Good To Go

Greenhouse Juice Co. (Toronto)

Summerhill Market (Toronto)

Eataly (Toronto)

Ginger Elizabeth Chocolates (Sacramento)

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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

April is Financial Literacy Month and the Perfect Cents Podcast team is here to highlight all the exciting things SAFE Credit Union is doing to celebrate! Join Alex, Brit, Miriam and Savannah as they share progress updates on their individual debt payoff journies and discuss the many ways SAFE is increasing access to Financial Education for our entire community. Whether YOU are attending one of our newly updated webinars, reading our financial education blogs, or cheering on the official launch of SAFE's Budget Cents program for High School students in the Greater Sacramento region, there are so many ways to get involved... because sharing the gift of financial literacy just makes Perfect Cents!

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

Investopedia | Financial Literacy: What It Is, and Why It Is So Important

KCRA 3 | Bill would require California high school students to take personal finance class

California Department of Education | State Funds for Financial Literacy and Funds to Train 1000 Teachers

Beyond Everyday Banking Blog (SAFE) | Why We Celebrate Financial Literacy Month

To contact the hosts, email us at Podcast@safecu.org 

To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events

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