Cashology by FNBO

You’ve heard of the five love languages: words of affirmation, physical touch, acts of service, quality time and gifts. We might use them all, but everyone has a dominant way they relate to others.Everyone has a dominant way they relate to MONEY, too. Their ‘money personality,’ if you will. This could be learned from our parents or formed by our own life experiences. Learning about your money personality can help you discover more about yourself, and create a sound relationship between you and your finances.Listen here and follow @CashologybyFNBO® on YouTube for more! 

It’s almost never too early to start teaching your kids about money. Some key lessons about saving can start as early as two years old. These lessons and the habits they develop will last a lifetime. More valuable than money itself, teaching them about money, and how to save it, can be invaluable. Do we start when they’re two? Five? Thirteen?  Let’s dive in and find out in this episode.Listen here and follow @CashologybyFNBO® on YouTube for more!

Are you into goal setting – but looking for something a little MORE inspirational than a written list?A financial vision board can be a creative way to identify and think through your goals. Usually a collage of images that represent your goals and aspirations, A financial vision board can help you focus on aligning your money with where you want to be in the future. And…it can be fun to put together.Listen here and follow @CashologybyFNBO® on YouTube for more!

Have you ever considered becoming a landlord? Maybe you’ve inherited a home. Maybe you have a starter home you’re moving out of and instead of selling, you’re thinking about renting it out. Whatever the reason, rental properties can be a good source of passive income. For savings or retirement. And a way to build your net worth.But there’s a lot more to it than collecting a monthly check. It has to be approached with your eyes wide open.Listen here and follow @CashologybyFNBO® on YouTube for more!

The research shows it – older people manage to stay happier during tough times. Once you turn 50, your ability to cope with life and all its challenges is at its height. One of those challenges can be managing your money. Another might be keeping your retirement plan on track. It takes some discipline and some stick-to-itiveness. So today we’re going to offer some helpful reminders to those in their 50s, still active and earning but on their way to retirement.This episode of the Cashology Podcast, covers tips and tricks about ‘Managing Money in Your 50’s.” 

It’s halftime. And we’re not talking about football here. If you’re in your 40’s, you’re halfway into your working life, into your career. You’ve got twenty-ish more years to go before retirement.So now is the perfect time to assess your financial situation. How is everything going? Are you where you want to be? Is your game plan on track to meet your future goals? Or do you need to make some halftime adjustments?This episode of the Cashology Podcast discusses what you should be thinking about when managing your money in your 40’s.

So you’re in your 30’s now. It feels like all the fun is over. You’re starting to go to bed on time. You don’t know why, but part of you actually enjoys going for a run or a yoga class every day. And you’re eating right…most of the time.But then there’s the hard part of your 30’s. Getting serious about money. And it’s the perfect time, too. You’re entering the prime years for building wealth and preparing for life after working. Sound financial decisions today, in your 30’s, will pay off not just at retirement but all along the way.This episode shares the important things to consider when it comes to managing money in your 30’s. 

Having a baby can be one of the most exciting and anxious times in your life. Exciting because you’re growing your family and bringing a new life into the world. Anxious because parenthood brings with it a lot of unknowns.One unknown that often gets overlooked – how having a baby will impact your family financially? So let’s talk about that in this episode and see if we can relieve at least some of the anxiety for prospective parents.This episode of the Cashology Podcast features Lisa Scheve, Director of Core Banking Risk Management. Lisa joins Justin and discusses what to plan for from before baby arrives, to just after. 

Buying a new home, especially for a first-timer, can be intimidating. Saving up for a down payment, finding a real estate agent who works with buyers – and then there’s all the paperwork and documentation.There’s a lot to consider and pull together. You might worry about making a mistake. But there are people ready to help all along the home loan journey, like your mortgage loan officer, who can walk you through all the steps, tasks and requirements and demystify the entire process. One such person is our guest today, Alex Drake, a Mortgage Loan Officer at FNBO.  In this installment of the Cashology Podcast, Juli and Alex help demystify, and hopefully take the fear out of a few aspects of this journey.

Banks play an important role in their communities. Yes, banks provide financial products & services for individuals for businesses, but what else do they do? When a bank is truly in tune with its customers, employees and community partners, they do a lot more than checking and savings accounts, mortgages and business loans.A bank that is fully-engaged impacts a community on multiple levels and helps individuals and businesses prosper and shine.  Today, our guest, Spencer Danner, VP or Corporate Responsibility, joins us to discuss making a successful community through our program, Impact by FNBO.

Seventy percent of Americans own a pet, according to the most recent survey from the American Pet Products Association. Not surprisingly, close to one in five households acquired a dog or a cat since the beginning of the pandemic.We think of our pets as family members, but they may be the only members of the family without health insurance. Jason Tellus joins our host Juli Wians for this episode on a topic near and dear to pet owners’ hearts: Insuring Your Pet.

Times are changing, and people are finding new and inventive (or profitable?) ways to make a little side cash. Some are paid bridesmaids. One man in Japan gets paid to be a friend for a day (no word on if he springs for the check at lunch). If you’re thinking about taking up a side hustle, you’re not alone. Surveys show that nearly one in three Americans have a side hustle of some kind and a lot more people are considering it. But what’s the trick to the perfect side hustle? Juli and guest Molly Diamond unlock some key insights that might just help you avoid common mistakes, save time and make money. USEFUL INFO / LINKSClean Cut Finance:  160+ Best Side Hustle Ideas​Shopify:24 Best Side Hustle IdeasEntrepreneur:  44 Profitable Ideas to Make Extra Money on the Side

Chances are you’ve noticed prices going up. At the gas pump, at the grocery store, everywhere. Whether you’re shopping for clothes or for a new home, the price of everything seems to be going up. While experts predict the rate of inflation to eventually slow, that doesn’t mean prices will ever come back down. So what are some smart ways of coping with inflation? We ask FNBO’s Dustin Elkins, a veteran of the Cashology Podcast, that exact question.  From spending to saving—even car buying—there’s ways to navigate this stressful time.For more featuring Dustin Elkins, give our August 2021 episode “Credit Card 101” a listen.

Ever feel like you just have too many bills? Like debt is stacked up and coming at you from all sides? If so, then this might be the episode for you. We’re going to talk about consolidating your debt: taking all your outstanding debt and rolling it up into a single payment every month. A lot of people do it and they save some money in the process. Join our host, Juli Wians, and guest Kelley Hill as they cover what to look (and watch out) for when consolidating your debt. No judgement, just savvy Cashology® wisdom.

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New Year’s Resolutions – we all make them. To lose weight, exercise, eat right or to improve some other aspect of our lives, whether it’s to find a new relationship or to find a new job. The big one used to be to stop smoking but maybe that’s given way to a new one – to stop vaping?Another popular resolution is to improve our finances, and that’s what we’re going to talk about today – how we can make a New Year’s Resolution that we’ll love keeping and that will give us some financial advantages, too. We’re talking about charitable gifting.Listen here and follow @CashologybyFNBO® on YouTube for more!

Identity theft. Fraud. Most of us believe it can’t happen to us. But really it can happen to anyone, anytime. Anywhere from 7% to 10% of US consumers are victims of identity theft or fraud every year. And this can have such a negative impact on our lives and financial health, lowering our credit scores and costing us hundreds or even thousands of dollars.So how do can we protect ourselves against identity theft and fraud? That’s the question for today.Listen here and follow @CashologybyFNBO® on YouTube for more!

There is nothing like starting your own business. It has its advantages, such as control over decisions, future financial upside, and the pursuit of a dream creating a business around a product or service you truly believe in. There is also the challenge side: the owner is on the hook for any shortfall or miscalculation.  So having a plan and a viable offering are very important. If you’re thinking about starting your own business, you’d better have a clear view of all the potential successes and challenges.  And that’s what this episode is all about.Listen here and follow @CashologybyFNBO® on YouTube for more!

In spite of all the new ways we can buy cars these days, it’s still easy to pay way too much. Getting a good deal comes down to doing your research, comparison shopping, deal making, and being willing to walk away.  Whatever you do, be smart.Today we talk about how to ‘Take the Wheel’ when it comes to buying your next car.Listen here and follow @CashologybyFNBO® on YouTube for more!

If you’re struggling to save, you’re not alone. Three quarters of us save 10% or less of our monthly paycheck and the rest of us don’t save anything at all. Asked why, most people will point to the high cost of living – saying that recurring bills and expenses eat up most of their paycheck.But a “pay yourself first” approach can help you build your savings and get you on the road to following a budget.Listen here and follow @CashologybyFNBO® on YouTube for more!