Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss all things spending, including paying bills on time, having an emergency fund, and more. Grant and Shawn began the episode by defining what healthy spending is. They discuss strategies to curb impulsive spending, such as avoiding the urge to spend an entire paycheck immediately and using methods like freezing credit cards. Some additional topics included: The importance of monitoring spending The balance between spending money on yourself and enjoying experiences The misconception of what constitutes healthy spendingFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I’ve recently developed a photography hobby, and I’m loving it, but the cost of new lenses and gear is starting to add up. I want to keep exploring this hobby without draining my savings. Any advice on how to balance my passion for photography with my budget?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, and the opening of Affinity’s new branch in Lawrenceville, NJ.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Anthony Russomano, a Certified Health Coach and owner of Russomano Training. Anthony joins the show to discuss the importance of physical wellbeing. Grant, Shawn, and Anthony kick-off the episode by defining what physical wellbeing is, and how it impacts your overall health and happiness. They then break down how investing in physical wellbeing can lead to long-term financial savings and how to make informed dietary choices without breaking the bank. Some additional topics included: Alternative ways to enjoy exercising if you are unable to go to the gymThe connection between sleep and financial stabilityThe importance of goal setting for physical wellbeing Following the main discussion, Shawn pulled a submitted question from the member mailbag, and the team shared their responses: I've been struggling to balance my physical wellbeing with my financial responsibilities lately, and I'm feeling overwhelmed. As a single parent working multiple jobs to make ends meet, I find it challenging to prioritize exercise and healthy eating on a budget. Do you have any tips for fitting physical activity and nutritious meals into a tight budget and busy schedule? I want to prioritize my health, but it feels like there's never enough time or money to do so effectively.Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Than

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss how you can effectively manage your budget this summer. Grant and Shawn kick-off the episode by providing an overview of Affinity’s annual “Cost of a Day at the Jersey Shore” index, discussing travel trends and how inflation will impact your wallet. Additionally, they share strategies for managing higher costs this summer. Some additional topics included: Cost-effective vacation alternatives Tips on what will be worth splurging money on during vacationThe importance of pre-vacation planning and creating an itinerary Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As I'm planning my summer vacation with my family, I'm finding it tough to figure out where to spend our money for the best value. I want to make sure we enjoy some special experiences, but I also need to keep an eye on our budget. What’s the best approach to balance splurging with saving, so we can have a memorable trip without breaking the bank?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit account, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Tammy Latif, Human Resource Generalist at Affinity to discuss the concept of career wellbeing. Grant, Shawn, and Tammy kick-off the episode by discussing how your career influences your overall wellbeing. They also provide insight about how mentorship can foster personal growth. Some additional topics included: Navigating tough conversations in the workplace Tips and best practices on how you can align personal and professional goalsFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I've been feeling a bit stuck in my current job lately and I'm starting to question If it's the right fit for me. I appreciate the stability and benefits, but I find myself lacking fulfillment and passion for the work I do. I've considered talking to my manager about my concerns, but I'm worried it might backfire or even jeopardize my career. How can I navigate the conversation with my manager effectively while also prioritizing my wellbeing?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss financial “FOMO”. Grant and Shawn kick-off the episode by breaking down what Financial “FOMO” is, who it impacts, and what you can do to avoid making poor financial decisions. They also break down how social media plays a role in creating “FOMO”, and the financial repercussions behind it. Some additional topics included: Effective strategies for practicing mindful spending and reducing financial FOMOLong-term financial implications of making decisions based on FOMOFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I set a budget for my summer vacation, but I always end up either overspending or feeling like I missed out because I didn't want to stretch my finances too thin. This year, I'm determined to stick to my budget, but I also want to make sure I enjoy my time off. Do you have any practical advice on how to plan a summer vacation that's both financially responsible and enjoyable?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-third episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Veronica Perez to discuss changing security habits to safeguard your information and accounts.The team begins their discussion by asking: What's the most surprising place or situation where you've encountered a potential scam? And explore the important things to look out for. Grant and the team dive into the evolution of financial scams, sharing light on how scammers utilize technology to expand their reach and target more victims. Veronica emphasizes red flags, including unsolicited offers that seem too good to be true or requests for sensitive personal information.Some additional topics covered include:Identifying common scamsActions to take if your data is compromisedFollowing the main discussion, Grant opens the Member Mailbag to answer the member-submitted question: I'm in my late 20s and have just started to seriously think about my financial future. I've managed to save up a bit of an emergency fund, but beyond that, I'm not sure where to focus my financial efforts. Should I prioritize paying off my student loans, investing in a retirement account, or perhaps saving for a down payment on a house? I feel stretched thin thinking about all these options and don't want to make a mistake that I'll regret later.To wrap up this week’s episode, Grant highlights Affinity’s Fraud Prevention Hub, which offers support in phishing and phone scams, and resolving ID theft and fraud. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-second episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Carolyn Morganbesser to discuss today’s homebuying environment. Grant, Shawn and Carolyn kickoff the discussion by providing an overview of current trends in the housing market, and how it’s impacting financial wellbeing. They share tips for all types of homebuyers, and additional costs that need to be considered besides the mortgage. Some additional topics included:Strategies to build and maintain a strong credit score Myths and realities to consider when buying a homeTips for saving for a down payment Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I am recently engaged, and looking to buy a new home with my partner. What are the key benefits that Affinity's mortgage services have to offer? Are there any benefits to help first time homebuyers?Grant concludes the discussion by highlighting Affinity’s suite of mortgage products and services. Whether you are a first time homebuyer or an experienced homebuyer, Affinity has a variety of mortgage solutions and tools to meet your needs.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-first episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Oscar Cordoba, Financial Education & External Affairs Manager at Affinity. Grant, Shawn, and Oscar kick off the episode centered around financial literacy and wellbeing by discussing the importance of understanding credit. They break down the relationship between financial stress, mental health, and the role financial literacy plays in overall wellbeing. Some additional topics included:Tips for exploring free financial education resources and tools Incorporating financial literacy into daily activities and decision-makingHow to handle a financial crisis Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Two years ago, I purchased a car that I thought was within my budget. However, as time has passed, I've realized I bit off more than I can chew, and the monthly payments are starting to become unmanageable, and I still have a couple of years left on my loan. What options do I have to alleviate this situation without severely damaging my credit score or financial future?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirtieth episode, expert hosts Shawn Lubitz and Grant Gallagher take part in a “financial purge”. Grant and Shawn kick-off the episode by reviewing their spending habits from last year, and what they can improve on for this year. They also check in on their new year's resolutions, and how they are progressing toward their financial goals. Some additional topics included: Actionable steps to conduct your own “financial purge”Shifting everyday spending habits to help you save Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: While going to Starbucks was my daily highlight, a financial review revealed its huge impact on my bank account. I  received a coffee machine for Christmas, and I am certain using it would benefit my finances. However, these daily visits are part of my routine and I look forward to them. Is it that damaging to continue? Would this choice significantly affect my overall financial well-being?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-ninth episode, expert hosts Shawn Lubitz and Grant Gallagher provide an overview of all of the various financial products and services consumers should consider. Grant and Shawn kick-off the episode by discussing what credit unions offer and why they are important. They break down the different financial products and services available to consumers including checking and savings accounts, investment services, loans, credit cards, CDs, and more. Some additional topics included: Credit union membership benefits Financial wellbeing and financial education tools Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: For someone new to managing finances, I'm interested in exploring credit cards for everyday use. Could you recommend a credit card that has practical benefits for daily expenses, and what key features should I consider when making a choice?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-eighth episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by returning guest Heather Hurilla, Member Development Officer at Affinity.  In the second edition of splitting the check: how couples manage their financial wellbeing, the team begins their discussion on managing financial stress. They analyze couples with different characteristics, like spenders vs. savers, and share strategies budgeting with your partner. Some additional topics include:Strategies for affording childcare expensesThe importance of open communication between partners How couples can save for life's big purchases and creating dedicated saving “buckets” Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: My partner and I are big savers. We currently rent and have big plans of purchasing our dream home. The issue we are running into is the timing just never seems right. Either the house isn’t the right fit, or the price is just way out of our budget. How can we manage this? We are starting to feel like there is no light at the end of the tunnel. To wrap up this week, Grant highlights the reopening of the Denville Branch location coming soon, and reminds listeners about Affinity’s SmartStart Savings account, which has a 4% APY on the first $10,000 savings. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-seventh episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Kim Cole, Community Engagement Manager at Navicore Solutions. Kim joins the podcast to discuss all things credit. Grant, Shawn, and Kim kick-off the discussion by breaking down what a credit score is and why it is so important in our financial lives. Additionally, they discuss what a good credit score is versus a bad credit score, and the difference between a credit score and credit history. Some additional topics included: How credit impacts mortgage rates and options for first-time homebuyers Common misconceptions about credit scores and credit reportsFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I am considering leaving my current job to go out on my own to start my own business. I’d likely need to secure a business loan to get things off the ground, but I am concerned that my personal credit score, which isn’t great, will impact my ability to secure a business loan. Does my personal credit have an impact on my ability to secure a business loan? What steps can I take to strengthen my credit profile before applying for the loan?Finally, Grant concludes the discussion by highlighting Affinity’s Credit Counseling Services through Navicore Solutions. Their certified counselors will gain a clear understanding of your personal situation to create a personalized plan of action to assist you. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-sixth episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Antinea Middleton, AVP of Retail Branch Operations at Affinity. Antinea joins the crew to discuss the importance of emergency savings and the concept of “Fed Up” money.Grant, Shawn, and Antinea kick-off the discussion by sharing tips for setting up automated transfers to your savings account each month. They also break down tips for automating your expenses, and actionable steps you can take to reach your emergency savings goals. Some additional topics included: Impulse holiday spending and how to get back on track in the new year Doing your homework and understanding ways you can saveFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As the holiday season comes to an end and we transition into the new year, I encountered a high-priced item while shopping. Although the initial excitement was undeniable, buyer's remorse kicked in, only to realize it was beyond the return policy. Now, I'm left wondering if this purchase will disrupt my finances in the coming year.Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-fifth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss financial goals and resolutions heading into the new year. Grant and Shawn kick-off the discussion by sharing tips for revamping your budget in 2024, and discuss taking the time to audit your expenses and subscriptions. Additionally, they analyze various budgeting strategies and the importance of an emergency fund. Some additional topics included: How to set children up for success financially Strategies for overcoming setbacks and staying resilient in pursuing financial goalsMethods for managing and paying off debtFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I've struggled with saving money, and it always seems like unexpected expenses derail my plans. How can I create a realistic savings goal for the new year that accounts for life's uncertainties and helps me stay on track?Finally, Grant concludes the discussion by highlighting Affinity’s financial wellbeing resources you can take advantage of for the year ahead. Check out Affinity’s credit counseling services, blog, and webinars to learn more!Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-fourth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss spending and budgeting during the holiday season.Grant and Shawn kick-off the discussion by sharing insights on effectively setting and sticking to your budget during the holiday season. They discuss tips for saving money on travel during the holidays, and how to manage food and entertainment costs at family gatherings. Some additional topics included: How consumers can be more informed shoppers Ways to protect yourself against financial scamsHow you can get back on track financially after the holiday seasonFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Every holiday season, I find myself getting stressed out, not just about money, but also about making sure everyone is happy, buying the right gifts, and meeting all the holiday expectations. It sometimes feels overwhelming and takes away from the joy of the season. How can I manage this financial and emotional stress better, and actually enjoy the holidays without feeling like I'm constantly on the edge?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-third episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by formally known Community Ambassador and now newly Member Development Officer Heather Murphy to discuss building community and Affinity’s recent Impact Day of service. Grant, Shawn and Heather kick-off the discussion by sharing their personal journeys with community service and recent experience volunteering during Impact Day where over 300 Affinity team members volunteered across multiple locations netting nearly 1,000 volunteer hours. Some additional topics included: Why giving back in-person mattersHow volunteering can improve your wellbeingHow to make community service a part of your life How you can give back using your skillsFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I have been a proud member of Affinity for several years now, and I’m inspired by the community involvement and volunteering initiatives that your organization is known for. I have always wanted to contribute, but I am not sure where to start. Are there specific volunteer opportunities, events, or programs that I can participate in?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account! Whether you’re saving an emergency fund, for a milestone purchase, or a dream vacation, Affinity is here to help you earn more toward your financial goals with this high-yield account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Grant Gallagher and Shawn Lubitz are joined by Jason Vitug, author and wellness entrepreneur focused on the intersection of money and happiness.The team kicks off the episode by discussing the basics of financial wellness, and the essential first steps or habits someone should embrace in their daily life. Additionally, the team shares insight on how our daily financial choices impact our overall sense of happiness and wellbeing. Some additional topics included: The idea of investing in experiences over material goodsTips for personal growth and overcoming limits, including prioritizing mental health and continuous learningFollowing the main discussion, Grant pulled a question from the member mailbag: After a recent health scare, I've been re-evaluating my life and realized I'm constantly consumed by money worries, even though I have a stable job and savings. This stress has taken a toll on my health and relationships. What steps can I take to break this cycle and find a healthier balance with my finances?Finally, Grant concludes the discussion by highlighting Affinity’s Member Appreciation Week! Visit us in our branches, where we will be hosting free wellness events to show our commitment to our members and their overall wellbeing November 6 - 11, 2023. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-first episode, expert hosts Shawn Lubitz and Grant Gallagher break down maintaining financial wellness during a career change.The hosts kick-off the discussion by sharing advice on building confidence and feeling secure during a job or a career change. They discuss the job application process, and emphasize the importance of having savings in place during a career transition. Additionally, the team discusses trying out different things to find what you're passionate about and enjoy, and understanding the  “why" before making a career change, as it's crucial for job satisfaction and avoiding the same problems in a new role.Some additional topics included: Exploring the financial fears and misconceptions that individuals often face when considering a career changeSteps to ensure their long-term financial health and wellbeing as they move into a new career pathFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I’m facing a significant career decision. After spending years in a traditional nine-to-five job, I want to follow my dream of becoming a content creator and social media influencer. I'm passionate and ready to dive in, but I’m also aware of the highly competitive nature of this industry, where income can be inconsistent, especially in the beginning. How can I prepare for this change in my career, knowing what challenges are ahead? Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twentieth episode, expert hosts Shawn Lubitz and Grant Gallagher discuss the concept of money buying happiness.The hosts kick-off the discussion emphasizing the importance of creating a financial plan to achieve your individual goals. They share advice for people striving to find a balance between pursuing financial success and happiness in their lives. Additionally, the team talks about balancing saving for the future with enjoying your money in the present, and how this affects your overall wellbeing. Some additional topics included: Maintaining financial wellbeing and happiness in the age of social mediaSetting realistic short-term and long-term financial goals to increase happiness Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As my income increases, there is a temptation to increase my spending. How can I avoid lifestyle inflation and prioritize saving and investing for long-term happiness?To wrap up this week, Grant highlights the Cash Back Debit card, a great checking account for students who can earn 1% cashback on purchases for up to $1,000 a month. Other perks include free member to member online banking transfers, which can help when parents send money to their child attending college. Affinity is there to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the nineteenth episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by middle school teacher and Grant’s wife, Katie Gallagher, to discuss budgeting and shopping for children as school is now back in session. The start of the discussion centers around managing your budget at the outset of the school year, while being mindful parents may need to purchase additional school and clothing items throughout the year. Shawn warned against over-purchasing items, such as clothes, at the beginning of the year as children often grow as the school year progresses. Katie advised not to be swayed by name brands of certain items, for instance store brand crayons work just as well as the name brand. She also suggested checking in with your child in the middle of the school year to see if they need more supplies, like notebooks or filler paper.Additionally, the hosts talked about all of the costs involved in extracurricular activities, sharing advice on making the purchase process less stressful and a little more affordable. Shawn and Grant discussed the benefit of taking your child on shopping trips to help them understand the costs involved and, as they get older, how the family budget may force the child to cut back a little on their ‘wants’, like getting a less expensive pair of shoes than they ultimately desired. Grant shared a tip for saving – check out deals around the end of the school year to plan for the year ahead and assess what can be reused, like your child’s pencil case and markers. Shawn and Katie also discussed how families who are able to make a few extra supply purchases can benefit families in need. Grant also brought up the purchase of big ticket items and advised students to utilize student discounts, if applicable.Some additional topics included: How Affinity can help you prepare ahead of time to budget for school and activity-related costsManaging stress related to financial concerns while being an educatorFinancial education programs for teachersCommon misconceptions parents have about educatorsFollowing the main discussion, Grant pulled a topic from the member mailbag, and the team answered: I have two kids who are 8 and 6 years old. I don’t have any money saved for their college education. I know how expensive college can be, and I don’t want them taking out massive loan