//PODCASTS

Welcome to the ELEMENTS of money™ podcast.
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Enjoy Your Vacation for Less Money (ep. 74)
It doesn't matter whether you plan to vacation near by or at some exotic location, one this remains the same—you need to watch your money. We'll give you tips on how to save money next time you hit the road.

When Money Attacks (ep. 73)
In this podcast, we talk about the different things you should do if you find yourself in a load of financial trouble.

Your Life, Budgeted (ep. 72)
Not all budgets are created equal. In this podcast, we explore your budget through different time frames: daily, weekly, monthly and beyond!

The Three Cs of Spending (ep. 71)
Want to know the smart way to shop? Learn the three C's of spending. With just three easy tips, you'll be on your way to saving at the cash register (and shopping cart) every time.

Strangest Scholarships. Ever! (ep. 70)
Not all scholarships are created equal, especially when The Elements of Money team is helping you find them. We uncover strange, but valuable, scholarships from around the U.S.

The Year in Review (ep. 69)
It's time once again for our year-end round up of our favorite money tips of the year. Join Nikki and Jenny and get the first hand scoop.

Rate Your Purchase (ep. 68)
Everything you use everyday costs money. In this issue, we'll help you figure out your Cost Per Use and get the most bang for your buck.

Budget-Friendly Parties (ep. 67)
Like throwing parties but don't like the expense? Here's our guide for throwing a party without throwing away money. We cover it all: locations, food, and entertainment ideas on the cheap!

Halloween on a Budget (ep. 66)
Don't get spooked with the rising cost of Halloween costumes. Nikki and Jenny share their not-so-scary tips for dressing up without spending too much cash.

Build Your Own Community for Free (ep. 65)
Joining a club or playing for a sports team can get expensive. A cheaper alternative is to do-it-yourself. In this podcast, Nikki and Jenny have tips for building your own community and saving money while doing it.

Cheap and Wacky Sports Ideas (ep. 64)
Going to the gym and buying sports equipment can sometimes get expensive. Nikki and Jenny explore cheap alternatives to staying active.

Make Your Own Summer Job (ep 63)
Finding a Summer job isn't always easy. One solution is to create your own. In this podcast, we give you hints and tips for making cash during the Summer months.

Smart Money Tips for Smartphones (ep 62)
Getting ready to buy a new smartphone? Nikki and Jenny discuss the things you should look for before signing any long-term contract. From text minutes and family plans, to data costs and camera phones, we cover it all.

Recycle and Upcycle for Cash (ep 61)
What's an easy way to make money? Use what you already have! Whether you want to recycle for cash, or upcycle and sell stuff online, we have the hints and tips you'll need.

Stop Wasting Money (ep 60)
In this episode, find out how to stop spending your hard-earned cash on the most common Money Wasters.

Charitable Giving: Where to Begin? (ep 59)
You don’t need to be rich to donate to a charity. In this episode, Nikki and Jenny uncover the basics of giving to a charity.

Getting Ready for the Tuition Countdown (ep 58)
In this podcast, Nikki and Jenny give you tips for preparing for college expenses. Whether you're a few months or a few years away from college, this podcast is a must-listen.

End of Year Financial Roundup (ep. 57)
In this special end of 2011 episode, Nikki and Jenny share their favorite money-saving tips from the past year.

Department Store Credit Cards (ep. 56)
In this podcast, Nikki and Jenny discuss the mistakes people make when carrying a department store credit card.

Scary Financial Stories (ep. 55)
In this special spooky episode, Nikki and Jenny share their favorite scary money stories. From people getting ripped off to online scams, this podcast will surely have you quaking in your boots.

All About Passwords (ep. 54)
When it comes to protecting your money online, your best line of defense is a solid password. In this podcast, Nikki and Jenny discuss what you can do to create the perfect password.

Back-to-School Shopping on a Budget (ep. 53)
Nikki and Jenny give their tips for making the most of your back-to-school clothing budget.

Protect Your Money from Hackers (ep. 52)
Learn how to protect your online accounts and money from hackers.

Movie Money Savings (ep. 51)
Nikki and Jenny share their tips for helping you save money at the movie theater.

Tips for a Successful Yard Sale (ep. 50)
Planning a yard sale? Check out Jenny and Nikki's tips to help make your yard sale fun ... and a success!

What it Means to Be a Credit Union Member (ep. 49)
Young credit union members from across the country tweet what it means to them to be a credit union member.

Inside the World of Advertising - Episode 48
Learn the tricks advertisers use to get people to spend money.

Credit Cards Under the Microscope
In this episode, Nikki and Jenny uncover the top three features to look for when choosing a credit card.

The Best Things in Life are Free
Check out this month's podcast as Jenny and Nikki share their favorite tips for finding stuff for free.

The Top Money Tips of 2010 - Episode 45
Jenny and Nikki wrap up another year with their favorite money tips of 2010.

The Eco-Friendly (and Cheap) Way to Shop - Episode 44
Nikki and Jenny show you how a little bit of planning can help you make your holiday shopping green, while saving some green.

The Economics of Learning a Musical Instrument - Episode 43
From garage bands to marching bands and everything in-between, Nikki and Jenny show you how to learn how to play a musical instrument ... without spending a fortune.

Upgrading Your Digital Life - Episode 42
When to do it and when to wait.

Three Big Money Mistakes ... and what you can do to avoid them! - Episode 41
When it comes to money, it's easy to make a mistake. Hear the three biggest mistakes young people make when it comes to money, and learn what you can do to avoid them.

A Cheap Guide to Playing Video Games - Episode 40
How to find and play video games for the least amount of money possible.

A Guide to Buying and Renting Movies - Episode 39
Jenny and Nikki tackle the world of movie downloads, digital rentals and old-fashioned DVD shopping. We review the most popular options for watching and renting movies in the digital age.

All About Savings Accounts - Episode 38
Jenny and Nikki dive deep into the world of savings accounts. From regular savings to retirements accounts, we look at the many different savings options available to you.

Setting Financial Goals: The smart way to save for the future - Episode 37
Nikki and Jenny outline a few simple steps for helping you save for the future using financial goals.

Yes, You Can Afford College - Episode 36
With the costs of a college education rising, you may be looking for ways to pay. In this episode, Nikki and Jenny share their ideas to help you find college funding.

The Difference Between Credit Unions and Banks — Episode 35
Why should you choose a credit union versus a bank? Nikki and Jenny explain the differences that could have a huge impact on your wallet and financial life!

Hints and Tips for Finding a Job — Episode 34
If you're under 18 and looking for a part-time job, you may find that all the traditional "teen" jobs are being filled by adults. Now what? Nikki and Jenny have a few ideas for finding the perfect job in today's challenging job market.

The Best Money Tips of 2009 — Episode 33
From saving money for concerts to spending less on movies, Nikki and Jenny share the best money-saving tips from the past year.

Saving Money Without A Piggy Bank — Episode 32
Learn about different types of savings accounts and the best way to stash your cash.

TAKING CARE OF YOURSELF — Episode 31
Jenny and Nikki discuss ways to stay fit and healthy without breaking your budget.

GADGETS & GIZMOS — Episode 30
It's easy to get caught up in the latest and greatest electronic devices. From iPods and iPhones, to PS3s and more, Jenny and Nikki give you tips for saving money on your favorite gadgets.

THE GOOD, THE BAD AND THE UGLY — Episode 29
Who can young adults trust when it comes to their money? In this episode, Jenny and Nikki rate different types of financial options available to young people.

FRUGAL FASHION SENSE — Episode 28
In this podcast, Jenny and Nikki fight the recession with their tips to "dress to impress" without spending your last dollar.

MUSIC AND MONEY — Episode 27
Whether you’re a musician in a band, or simply a fan who loves listening to music and going to concerts, we have tips to help you save money.

BUILDING A SOLID CREDIT HISTORY WHILE YOU'RE YOUNG — Episode 26
In this episode, Jenny and Nikki talk about things young people can do to start building a positive credit history. 

WHAT DO YOU REALLY NEED? — Episode 25
Do you know the difference between Needs and Wants? In this episode, Nikki and Jenny help you determine what you really need to get by in today's economy.

GET MORE STUFF FOR LESS MONEY — Episode 24
Meet Nikki and Jenny, the new hosts of The Elements of Money podcast. In today's episode, we beat back the recession with tips on how to make your money go farther.

PAY TO PLAY: SPORTS AND MONEY — Episode 23
Whether you're an Olympic-bound athlete or just play sports for fun, Catie and Joey share their tips to make playing more affordable. Also in this episode: three organizations that help young entrepreneurs.

EXPLORING CHECKING ACCOUNTS — Episode 22
In this episode, Catie and Joey talk about everything you need to know about checking accounts, including how to avoid bounced checks and fees. Also in this episode: great business ideas for young entrepreneurs.

TOP TEN MONEY TIPS FROM 2008 — Episode 21
From lowering your cell phone bill to spending less money on entertainment, Catie and Joey discuss their favorite money tips from the past year.

PROS & CONS OF BUYING A USED CAR — Episode 20
Buying a car is a big purchase. One way to make it more affordable is to drive a previously owned car. In this episode, Catie and Joey discuss the pros and cons of buying a used car. Also in this episode: putting together a college expense checklist.  

THE 411 ON COLLEGE APPLICATIONS — Episode 19
The deadline to submit college applications is right around the corner. But don't worry - help is on the way. In this episode, Catie and Joey help make sense of the entire college application process. Tune in and take the stress out of applying for college.

CREDIT PREP 101 — Episode 18
How do you build a credit history from scratch? Catie and Joey talk about simple things young people can do today to get approved for a loan in the future. Also in this episode: College loans.

WILL WORK FOR MONEY: JOB-HUNTING TIPS — Episode 17
From resume and interview tips, to fashion hints and Facebook "no-nos", Catie and Joey show you how to crack into today's tough job market. Don't miss this podcast filled with tips, hints and recommendations to help you land that dream job. Also in this episode: Applying for financial aid.

AVOIDING THE DARK SIDE OF CREDIT CARDS — Episode 16
Is a free tote bag really worth applying for a 19.8% APR credit card? No way! In this episode, Catie and Joey talk about the pros and cons of applying for and carrying a credit card. Don't get stuck owing a big credit card company thousands of dollars. Listen to this podcast and learn the truth about those slick giveaways. Also in this episode: Paying for last-minute college expenses.

CHEAP SUMMER ENTERTAINMENT — Episode 15
Four dollars for a gallon of gas? Ten dollars for a movie ticket? If summer expenses have you counting your pennies, look no further. In this podcast, Catie and Joey feel your financial pain and offer their suggestions for things to do during the summer months that won't leave you broke. Also in this episode: Getting the most out of extracurricular activities.

PAYING FOR FIDO: REDUCING PET EXPENSES — Episode 14
$90 Juicy Couture Doggy Bag? Not here! Catie and Joey talk about the many different ways to take care of your pet without going broke. Also in this episode: unique college scholarships. We cover everything from free money for duct tape prom dresses to vegetarian scholarships.

FOOLISH MONEY MISTAKES — Episode 13
From throwing money away on video late fees, to literally having rats eat your money, this episode is a funny and entertaining look at financial foolishness. Also in this episode: getting ready for college.

FILING TAXES: IT’S NOT JUST FOR ADULTS — Episode 12
Do you have a part-time job and aren't sure if you have to file a tax return? Paying taxes isn't just for adults. Listen to this podcast for information important for workers under 18 years old. Also in this episode: ways to avoid scholarship scams.  

FROM LATTES TO CREDIT CARDS: START SAVING MONEY TODAY — Episode 11
Worried about all this talk about a recession? It's never too late to start saving money. Catie and Joey talk about different ways you can trim your expenses and be prepared for anything. Also in this episode: Places to look for scholarships.

HOW TO LOWER YOUR CELL PHONE BILL — Episode 10
Is your cell phone bill getting out of control? Catie and Joey share their tips for selecting the right plan for you. Also in this episode: Planning for college expenses.

THE TOP TEN MONEY TIPS OF 2007 — Episode 09
Catie and Joey list off their top ten money tips from past podcasts. Also in this episode: Smart online bidding.

HOLIDAY SHOPPING ON A BUDGET — Episode 08
Want to learn how to get your holiday shopping done without spending a fortune? Joey and Catie talk about different ways to show you care and still have money left over. Also in this episode: outsmarting identity thieves during the holidays.

THE COST OF DRIVING — Episode 07
Do you know how much money it REALLY costs to drive a car? From car insurance to oil changes, we'll talk about all the different costs associated with owning a car. Joey and Catie will also share their tips for staying safe while sharing files via P2P.

FINANCIAL URBAN LEGENDS — Episode 06
Bigfoot, the Loch Ness Monster and ... money? In this podcast we'll separate fact from fiction when it comes to urban legends about money. Joey and Catie also talk about ways to avoid getting ripped off in Second Life.

GETTING READY FOR BACK TO SCHOOL — Episode 05
Summer is just about over and it's time to start thinking about back-to-school expenses like books and clothes. Learn how to make the most of your money before school starts. Joey and Catie also talk about ways to protect your identity.

TRAVEL MONEY TIPS — Episode 04
If you're planning a trip this summer, there are steps you can take to make sure you don’t get ripped off while you're away from home. Joey and Catie also talk about ways to avoid email scams.

THINGS TO DO FOR UNDER $20 — Episode 03
Looking for things to do this summer but don't want to spend too much money? Yes, it's possible to have a good time on a limited budget. From movies to discount baseball tickets, Catie and Joey share some of their favorite ideas.

THE PERFECT JOB INTERVIEW — Episode 02
Summer is almost here, and so are summer job opportunities. In this episode, Joey and Catie talk about job interview tips — and funny interview bloopers. Learn how to put your best foot forward to get the perfect job.

SAVING MONEY EVERYDAY — Episode 01
Think you spend too much money? Do you find that you're paycheck (or allowance) seems to disappear the moment you get it? Listen as Joey and Catie talk about easy things you can do everyday to save money.

This podcast is designed for information purposes only and is not intended as financial advice. The Credit Union, nor any of its independent providers is liable for any informational errors, incompleteness, delays, or any action taken in reliance on information contained herein. Users are always encouraged to check and confirm the information with other sources and through direct professional contact. The content in this podcast is the opinion of its authors, and not necessarily the opinion of your Credit Union. Your use of this podcast is subject to elementsofmoney.com’s Terms and Conditions.

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