Live Better by Centric CU Mon, 18 May 2026 10:28:53 -0400 http://www.mycentric.org en-us © 2026 Live Better by Centric CU yes e7a5722a-e67d-5f74-8622-2b5f5aa3d6ea Centric CU episodic false Monthly Podcast featuring financial tips from Centric Credit Union

]]> Buzzsprout (https://www.buzzsprout.com) finance, money, debt, saving, budgeting, credit union, loans, banking, debt freedom Centric CU https://storage.buzzsprout.com/omuul6wmi9o1ikl99ob1xya8wrq8?.jpg Live Better by Centric CU http://www.mycentric.org Rising Above the Storm Rising Above the Storm A winter storm shouldn’t decide who eats, who stays warm, or who can afford next month’s rent. When Winter Storm Fern pushed Northeast Louisiana past the breaking point—power out, roads blocked, fridges thawing—we moved fast with our friends at United Way of Northeast Louisiana to meet families where they were and get help into their hands with dignity.

Meghan Jones, United Way’s Director of Marketing and Communications, walks us through the real-time activation: 211 call data lighting up with urgent needs, a wave of applications crossing 11,000 families, and a clear shift from heat to food as the primary crisis. We talk through the unseen failures that compound a storm—medications that require refrigeration, missed wages for hourly workers, and the impossible tradeoffs ALICE families face between groceries, gas, and rent. You’ll hear why direct, flexible aid often beats one-size-fits-all relief and how partnerships keep efforts focused, fast, and free of duplication.

Together with Centric Credit Union, United Way distributed no-cost gift cards so families could buy what mattered most—formula, prescriptions, fuel, food—without red tape or fees. Centric also offered skip-a-pays and emergency loans to ease the financial shock past the first week. Along the way, we share the stories that guided decisions, like a mother trekking for baby formula in the cold, and the grit of teams working from generators and car chargers to keep 211 and outreach online. Recovery doesn’t end when the lights return; debris, displacement, and budgets need time to heal.

If you want to help, you can text FAMILYRELIEF to 91999, donate at unitedwayneela.org, or stop by 1201 Hudson Lane in Monroe. Subscribe, share this episode with a friend who cares about community resilience, and leave a review with one insight you’re taking forward—your support helps more neighbors find the help they need, faster.

]]> A winter storm shouldn’t decide who eats, who stays warm, or who can afford next month’s rent. When Winter Storm Fern pushed Northeast Louisiana past the breaking point—power out, roads blocked, fridges thawing—we moved fast with our friends at United Way of Northeast Louisiana to meet families where they were and get help into their hands with dignity.

Meghan Jones, United Way’s Director of Marketing and Communications, walks us through the real-time activation: 211 call data lighting up with urgent needs, a wave of applications crossing 11,000 families, and a clear shift from heat to food as the primary crisis. We talk through the unseen failures that compound a storm—medications that require refrigeration, missed wages for hourly workers, and the impossible tradeoffs ALICE families face between groceries, gas, and rent. You’ll hear why direct, flexible aid often beats one-size-fits-all relief and how partnerships keep efforts focused, fast, and free of duplication.

Together with Centric Credit Union, United Way distributed no-cost gift cards so families could buy what mattered most—formula, prescriptions, fuel, food—without red tape or fees. Centric also offered skip-a-pays and emergency loans to ease the financial shock past the first week. Along the way, we share the stories that guided decisions, like a mother trekking for baby formula in the cold, and the grit of teams working from generators and car chargers to keep 211 and outreach online. Recovery doesn’t end when the lights return; debris, displacement, and budgets need time to heal.

If you want to help, you can text FAMILYRELIEF to 91999, donate at unitedwayneela.org, or stop by 1201 Hudson Lane in Monroe. Subscribe, share this episode with a friend who cares about community resilience, and leave a review with one insight you’re taking forward—your support helps more neighbors find the help they need, faster.

]]> Centric CU Buzzsprout-18752581 Thu, 26 Feb 2026 09:00:00 -0600 1525 5 349 full false Finish Line Finances: Your Year-End Guide Finish Line Finances: Your Year-End Guide Deadlines have a way of forcing clarity, and the final weeks of the year might be the most valuable money window you get. We sit down with Billy Joiner, CFO at Centric, to map out a practical, no-fluff plan for locking in free money, avoiding costly penalties, and starting January on steady ground. From retirement matches to healthcare accounts and charitable strategies, we focus on the moves that deliver the highest return for the least effort.

We walk through the top three actions you can take in under 30 minutes: make sure you capture your full 401k match, update beneficiaries across every account, and review HSA or FSA contributions before deadlines hit. Billy breaks down HSA versus FSA in plain English, including rollover rules, eligible expenses, and how to avoid use-it-or-lose-it surprises. We also dig into charitable giving timing, how a donor-advised fund can bunch deductions for tax impact, and when donating appreciated assets makes sense. If open enrollment feels like a maze, we guide you to compare total cost of care, revisit network changes, and consider disability coverage that protects your income.

Retirees and their families will find a clear reminder on required minimum distributions—what’s due by December 31, the first-year exception, and how to get reliable help fast. We close with everyday money habits that actually move the needle, from packing lunch to cutting drink costs when eating out, plus a call to bring the whole family into the budget conversation so kids learn how money works. Link your accounts in your banking app, track progress in real time, and nudge your contributions now rather than “someday.”

Ready to take action? Pick one or two items from our checklist and finish them this week. Subscribe, share with a friend who needs a year-end nudge, and leave a quick review to help more people live better with their money.

]]> Deadlines have a way of forcing clarity, and the final weeks of the year might be the most valuable money window you get. We sit down with Billy Joiner, CFO at Centric, to map out a practical, no-fluff plan for locking in free money, avoiding costly penalties, and starting January on steady ground. From retirement matches to healthcare accounts and charitable strategies, we focus on the moves that deliver the highest return for the least effort.

We walk through the top three actions you can take in under 30 minutes: make sure you capture your full 401k match, update beneficiaries across every account, and review HSA or FSA contributions before deadlines hit. Billy breaks down HSA versus FSA in plain English, including rollover rules, eligible expenses, and how to avoid use-it-or-lose-it surprises. We also dig into charitable giving timing, how a donor-advised fund can bunch deductions for tax impact, and when donating appreciated assets makes sense. If open enrollment feels like a maze, we guide you to compare total cost of care, revisit network changes, and consider disability coverage that protects your income.

Retirees and their families will find a clear reminder on required minimum distributions—what’s due by December 31, the first-year exception, and how to get reliable help fast. We close with everyday money habits that actually move the needle, from packing lunch to cutting drink costs when eating out, plus a call to bring the whole family into the budget conversation so kids learn how money works. Link your accounts in your banking app, track progress in real time, and nudge your contributions now rather than “someday.”

Ready to take action? Pick one or two items from our checklist and finish them this week. Subscribe, share with a friend who needs a year-end nudge, and leave a quick review to help more people live better with their money.

]]> Centric CU Buzzsprout-18380355 Thu, 18 Dec 2025 14:00:00 -0600 1084 5 348 full false Stronger Families, Brighter Holidays Stronger Families, Brighter Holidays Some holidays feel bright on the outside and heavy on the inside. We sit down with Liz Gaught from the Center for Children and Families to show what hope looks like when it’s built on everyday actions: a single recorded interview that spares a child from retelling trauma, a counselor stepping into a living room to spot strengths and needs, a wish list that becomes new clothes and a toy to open on Christmas morning.

Starting with CASA and growing across 48 parishes in Louisiana and seven counties in Mississippi, the Center pairs advocacy, education, and prevention with direct services that meet families where they are. Liz walks us through the Children’s Advocacy Center approach, why prevention trainings matter, and how the new Hope Center in West Monroe adds counseling and medication management for kids who need both therapy and clinical care. The thread running through it all is trust: families see the same team before and after the holidays, and donors know gifts reach specific children already in services.

We also talk about the Christmas Project—how it began with 50 soccer balls and now mobilizes businesses, churches, and neighbors to adopt wish lists, host collection sites, and fund essentials you won’t find under a tree. One powerful example: a partner donation purchased six mattresses for siblings who had been sleeping on air beds and the floor. That’s what local support can do when relationships are in place and needs are verified.

Behind these programs is a culture that protects the protectors. Liz shares how leadership builds a workplace where heavy stories meet real recovery—puzzles on the table, shared meals, short walks, and benefits that help teams stay grounded. We close with a reminder that the tunnel isn’t the end; there is light, and community keeps it burning. If you’re ready to help or need help, visit standforhope.org. If this conversation moved you, subscribe, leave a review, and share it with someone who believes hope should last longer than a season.

]]> Some holidays feel bright on the outside and heavy on the inside. We sit down with Liz Gaught from the Center for Children and Families to show what hope looks like when it’s built on everyday actions: a single recorded interview that spares a child from retelling trauma, a counselor stepping into a living room to spot strengths and needs, a wish list that becomes new clothes and a toy to open on Christmas morning.

Starting with CASA and growing across 48 parishes in Louisiana and seven counties in Mississippi, the Center pairs advocacy, education, and prevention with direct services that meet families where they are. Liz walks us through the Children’s Advocacy Center approach, why prevention trainings matter, and how the new Hope Center in West Monroe adds counseling and medication management for kids who need both therapy and clinical care. The thread running through it all is trust: families see the same team before and after the holidays, and donors know gifts reach specific children already in services.

We also talk about the Christmas Project—how it began with 50 soccer balls and now mobilizes businesses, churches, and neighbors to adopt wish lists, host collection sites, and fund essentials you won’t find under a tree. One powerful example: a partner donation purchased six mattresses for siblings who had been sleeping on air beds and the floor. That’s what local support can do when relationships are in place and needs are verified.

Behind these programs is a culture that protects the protectors. Liz shares how leadership builds a workplace where heavy stories meet real recovery—puzzles on the table, shared meals, short walks, and benefits that help teams stay grounded. We close with a reminder that the tunnel isn’t the end; there is light, and community keeps it burning. If you’re ready to help or need help, visit standforhope.org. If this conversation moved you, subscribe, leave a review, and share it with someone who believes hope should last longer than a season.

]]> Centric CU Buzzsprout-18219997 Thu, 20 Nov 2025 08:00:00 -0600 969 5 347 full false Sleigh Your Spending: How to Save Like Santa Sleigh Your Spending: How to Save Like Santa The holidays should feel warm and human, not like a budgeting panic. We sat down with Casey Messer to unpack how to enjoy a generous, memorable season without waking up to a January bill spiral. From setting a clear, per-person budget to automating weekly transfers into a dedicated holiday fund, we walk through practical steps that calm the mind and protect your money.

We start with planning that works even if you’re late to the party: build a simple list, put numbers beside names, and track what you’ve already bought with photos or a quick spreadsheet. Then we move into smarter tools—goal-based budgeting, category alerts, and transaction tags—so you see spending in real time instead of guessing. Casey shares why experiences often beat piles of gifts, how a well-run Secret Santa creates intention, and where traditions like matching pajamas can be fun without the annual cost creep.

Money stress often rises as the calendar fills, so we reset the mindset too. Define what the season means to you and let that guide choices about events, hosting, and gifts. If you’ve already overspent, skip the shame spiral and try a no-spend January while you set up next year’s plan. We also cover the hidden costs between now and December—groceries, travel, and parties—and how to stagger purchases to avoid last-minute premiums. With Centric’s mobile app, you can connect accounts, set budgets, tag holiday spending, and get nudges that help you stay on track.

Ready to trade excess for meaning and build a holiday that actually fits your life? Press play, save your favorites, and share this episode with a friend who needs a calm, clear plan. If you found value, follow Live Better, rate the show, and leave a quick review to help others find us.

]]> The holidays should feel warm and human, not like a budgeting panic. We sat down with Casey Messer to unpack how to enjoy a generous, memorable season without waking up to a January bill spiral. From setting a clear, per-person budget to automating weekly transfers into a dedicated holiday fund, we walk through practical steps that calm the mind and protect your money.

We start with planning that works even if you’re late to the party: build a simple list, put numbers beside names, and track what you’ve already bought with photos or a quick spreadsheet. Then we move into smarter tools—goal-based budgeting, category alerts, and transaction tags—so you see spending in real time instead of guessing. Casey shares why experiences often beat piles of gifts, how a well-run Secret Santa creates intention, and where traditions like matching pajamas can be fun without the annual cost creep.

Money stress often rises as the calendar fills, so we reset the mindset too. Define what the season means to you and let that guide choices about events, hosting, and gifts. If you’ve already overspent, skip the shame spiral and try a no-spend January while you set up next year’s plan. We also cover the hidden costs between now and December—groceries, travel, and parties—and how to stagger purchases to avoid last-minute premiums. With Centric’s mobile app, you can connect accounts, set budgets, tag holiday spending, and get nudges that help you stay on track.

Ready to trade excess for meaning and build a holiday that actually fits your life? Press play, save your favorites, and share this episode with a friend who needs a calm, clear plan. If you found value, follow Live Better, rate the show, and leave a quick review to help others find us.

]]> Centric CU Buzzsprout-18104472 Thu, 30 Oct 2025 08:00:00 -0500 1030 5 346 full false Credit Card Rewards 101: A Beginner's Guide to Smarter Spending Credit Card Rewards 101: A Beginner's Guide to Smarter Spending The financial decisions we make daily might seem small, but they compound over time to shape our future. When Haley Murphy joins us to discuss strategic credit card usage, she brings years of practical wisdom earned through disciplined financial management.

Most people view credit cards with suspicion, but Haley reveals how they can become powerful tools rather than debt traps. By charging planned expenses like vehicle payments, daycare costs, and groceries to her rewards card, she accumulates valuable points without spending an extra dollar. "We've worked our whole life for our money," she explains. "I want it to work for me a little bit."

The secret lies in her approach: never using credit cards as additional income, closely monitoring spending through budgeting apps, and paying the balance in full each month. This strategy allows her to build credit while earning rewards and maintaining the additional security credit cards provide for online purchases. Simultaneously, she strategically uses her checking account enough to earn the high-yield interest rate of 4.15% on balances up to $20,000.

Haley's financial success speaks for itself. Through consistent habits, hard work (including years where she and her husband both worked multiple jobs), and disciplined spending, they've purchased three homes, each an upgrade from the last. Her story embodies the principle that slow and steady truly wins the financial race.

Whether you're looking to maximize rewards, build credit responsibly, or simply make smarter financial choices, this episode offers practical strategies you can implement immediately. Ready to make your money work as hard as you do? Listen, subscribe, and take your first step toward financial confidence today.


]]> The financial decisions we make daily might seem small, but they compound over time to shape our future. When Haley Murphy joins us to discuss strategic credit card usage, she brings years of practical wisdom earned through disciplined financial management.

Most people view credit cards with suspicion, but Haley reveals how they can become powerful tools rather than debt traps. By charging planned expenses like vehicle payments, daycare costs, and groceries to her rewards card, she accumulates valuable points without spending an extra dollar. "We've worked our whole life for our money," she explains. "I want it to work for me a little bit."

The secret lies in her approach: never using credit cards as additional income, closely monitoring spending through budgeting apps, and paying the balance in full each month. This strategy allows her to build credit while earning rewards and maintaining the additional security credit cards provide for online purchases. Simultaneously, she strategically uses her checking account enough to earn the high-yield interest rate of 4.15% on balances up to $20,000.

Haley's financial success speaks for itself. Through consistent habits, hard work (including years where she and her husband both worked multiple jobs), and disciplined spending, they've purchased three homes, each an upgrade from the last. Her story embodies the principle that slow and steady truly wins the financial race.

Whether you're looking to maximize rewards, build credit responsibly, or simply make smarter financial choices, this episode offers practical strategies you can implement immediately. Ready to make your money work as hard as you do? Listen, subscribe, and take your first step toward financial confidence today.


]]> Centric CU Buzzsprout-17910945 Fri, 26 Sep 2025 09:00:00 -0500 813 5 345 full false Backpacks to Budgets: Your August Financial Reset Backpacks to Budgets: Your August Financial Reset August offers the perfect opportunity to reset your finances before the busy end-of-year season. Casey, a financial education specialist with over 10 years at Centric Credit Union, shares practical strategies to manage expenses during the costly back-to-school season and beyond.

• Back-to-school expenses can exceed holiday spending costs, with basic public school fees alone costing hundreds of dollars
• The free Centric Credit Union app features an Insights tool that automatically categorizes spending and helps create custom budgets
• Setting up spending alerts at 80% of your budget provides accountability and prevents overspending
• Distinguishing between needs versus wants is crucial during financially intensive seasons
• Taking time to evaluate your spending patterns can reveal "sneaky spending" habits that derail your budget
• The budgeting tools can automatically tag recurring vendors to specific categories, making expense tracking easier

Download or open your Centric Credit Union app to explore these financial management tools. Find more resources, tips and inspiration at mycentricorg. Centric is federally insured by the NCUA.


]]> August offers the perfect opportunity to reset your finances before the busy end-of-year season. Casey, a financial education specialist with over 10 years at Centric Credit Union, shares practical strategies to manage expenses during the costly back-to-school season and beyond.

• Back-to-school expenses can exceed holiday spending costs, with basic public school fees alone costing hundreds of dollars
• The free Centric Credit Union app features an Insights tool that automatically categorizes spending and helps create custom budgets
• Setting up spending alerts at 80% of your budget provides accountability and prevents overspending
• Distinguishing between needs versus wants is crucial during financially intensive seasons
• Taking time to evaluate your spending patterns can reveal "sneaky spending" habits that derail your budget
• The budgeting tools can automatically tag recurring vendors to specific categories, making expense tracking easier

Download or open your Centric Credit Union app to explore these financial management tools. Find more resources, tips and inspiration at mycentricorg. Centric is federally insured by the NCUA.


]]> Centric CU Buzzsprout-17706421 Thu, 21 Aug 2025 07:00:00 -0500 663 5 344 full false Mortgage Myths Busted Mortgage Myths Busted Centric CU Buzzsprout-17557121 Thu, 24 Jul 2025 09:00:00 -0500 1212 5 343 full false Hot Takes on Cool Homes Hot Takes on Cool Homes Centric CU Buzzsprout-17405560 Thu, 26 Jun 2025 16:00:00 -0500 1335 5 342 full false The 411 on Car Buying The 411 on Car Buying https://www.mycentric.org/podcasts/episode-341-the-411-on-car-buying/ Centric CU Buzzsprout-17190090 Mon, 19 May 2025 11:00:00 -0500 1144 #CarBuyingTips #CreditUnion #LiveBetterPodcast #CentricFCU #AutoLoans #BudgetSmart #FinancialWellness 5 341 full false Why Financial Education Starts Early Why Financial Education Starts Early Centric CU Buzzsprout-16940516 Thu, 10 Apr 2025 09:00:00 -0500 1163 5 340 full false Our Journey to Better Banking is Live! Our Journey to Better Banking is Live! Centric CU Buzzsprout-16792064 Fri, 14 Mar 2025 09:00:00 -0500 597 5 339 full false Our Journey to Better Banking Continued Our Journey to Better Banking Continued Unlock the full potential of your business with Centric's groundbreaking online banking upgrade, "Journey to Better." Join me and our insightful guest, Casey Messer, Centric's training manager, as we explore how this innovative platform is designed to streamline financial management for business owners. Experience the freedom of customized user access, enhanced security, and seamless integration with tools like QuickBooks and positive pay. Discover how the app's new "conversations" feature ensures quick, efficient communication with Centric staff, making transaction inquiries a breeze. As we prepare for the platform's exciting launch in March, you'll gain valuable insights into how these changes can transform your business operations.

As we conclude our dynamic two-part series, Casey and I share our enthusiasm for the Journey to Better living and business management. We express heartfelt gratitude for your support and encourage you to stay connected by subscribing to the Live Better podcast on your favorite platforms. Keep up with us on social media, including Facebook, Instagram, Pinterest, TikTok, and YouTube, for the latest updates and content that enriches both your personal and professional life. Don't forget to visit our monthly blog at MyCentric.org for more in-depth exploration of these topics. Together, let's embrace a future of improved living and thriving business practices with Centric!

]]> Unlock the full potential of your business with Centric's groundbreaking online banking upgrade, "Journey to Better." Join me and our insightful guest, Casey Messer, Centric's training manager, as we explore how this innovative platform is designed to streamline financial management for business owners. Experience the freedom of customized user access, enhanced security, and seamless integration with tools like QuickBooks and positive pay. Discover how the app's new "conversations" feature ensures quick, efficient communication with Centric staff, making transaction inquiries a breeze. As we prepare for the platform's exciting launch in March, you'll gain valuable insights into how these changes can transform your business operations.

As we conclude our dynamic two-part series, Casey and I share our enthusiasm for the Journey to Better living and business management. We express heartfelt gratitude for your support and encourage you to stay connected by subscribing to the Live Better podcast on your favorite platforms. Keep up with us on social media, including Facebook, Instagram, Pinterest, TikTok, and YouTube, for the latest updates and content that enriches both your personal and professional life. Don't forget to visit our monthly blog at MyCentric.org for more in-depth exploration of these topics. Together, let's embrace a future of improved living and thriving business practices with Centric!

]]> https://www.mycentric.org/podcasts/live-better-podcast-ep-338-our-journey-to-better-banking-continued/ Centric CU Buzzsprout-16617364 Thu, 13 Feb 2025 11:00:00 -0600 635 #JourneytoBetter 5 338 full false Our Journey to Better Banking Begins Here Our Journey to Better Banking Begins Here Unlock the secrets to personalized financial empowerment with Centric's game-changing online banking upgrade, "Journey to Better." 

Join us as we chat with Casey Messer, Centric's training manager, who reveals how Centric's latest features can transform your financial management. From changing preferred names to setting personalized account alerts, this upgrade is all about tailoring your banking experience to fit your unique needs. 

Casey walks us through the new account aggregation capability, which brings all your financial information together in one place, and an innovative app feature that simulates credit score changes, helping you make informed financial decisions like never before.

Discover how Centric is bolstering online security with two-factor authentication and enhanced password reset safeguards, adding layers of protection to your digital financial footprint. 

Our discussion with Casey also covers seamless in-app communication with Centric staff, making it easier than ever to resolve transaction issues. These enhancements not only simplify financial management but also aim to improve your overall experience as a member. 

Don't miss out on how these advancements can help you achieve your long-term financial goals and provide you with a personalized and secure banking journey.

]]> Unlock the secrets to personalized financial empowerment with Centric's game-changing online banking upgrade, "Journey to Better." 

Join us as we chat with Casey Messer, Centric's training manager, who reveals how Centric's latest features can transform your financial management. From changing preferred names to setting personalized account alerts, this upgrade is all about tailoring your banking experience to fit your unique needs. 

Casey walks us through the new account aggregation capability, which brings all your financial information together in one place, and an innovative app feature that simulates credit score changes, helping you make informed financial decisions like never before.

Discover how Centric is bolstering online security with two-factor authentication and enhanced password reset safeguards, adding layers of protection to your digital financial footprint. 

Our discussion with Casey also covers seamless in-app communication with Centric staff, making it easier than ever to resolve transaction issues. These enhancements not only simplify financial management but also aim to improve your overall experience as a member. 

Don't miss out on how these advancements can help you achieve your long-term financial goals and provide you with a personalized and secure banking journey.

]]> Centric FCU Buzzsprout-16448208 Thu, 16 Jan 2025 10:00:00 -0600 1025 #JourneyToBetter, #MyCentric, #BankBetter, #LiveBetter, #CentricCU 5 337 full false Survival Guide for a Joyful, Safe & Stress-Free Season! Survival Guide for a Joyful, Safe & Stress-Free Season! https://www.mycentric.org/podcasts/episode-336-survival-guide-for-a-joyful-safe-stress-free-season/ Centric FCU Buzzsprout-16309078 Thu, 19 Dec 2024 09:00:00 -0600 1484 4 336 full false More Month than PayCheck! Now What? More Month than PayCheck! Now What? Curious about how refinancing could become your financial lifeline amid rising mortgage rates? Join us as we welcome Laura Hawthorne, Centric's Chief Consumer Lender, who brings over 25 years of expertise to unravel the complexities of mortgage rates and refinancing. Laura shares her invaluable insights into the current state of mortgage rates, discusses the resulting affordability concerns for potential homeowners. You'll learn about Centric's comprehensive support services, including financial counselors and a dedicated mortgage team ready to guide first-time homebuyers through the maze of borrowing, insurance, and property taxes.

Discover the pivotal role refinancing can play in enhancing cash flow and how it aligns with your personal financial goals. We emphasize the importance of understanding your current interest rate and clarify the motives behind refinancing, whether it's to secure a lower rate or to create more manageable monthly payments. This episode highlights the crucial benefit of consulting with financial counselors and explores debt consolidation as a means of simplifying payments. We also touch on the advantage of seeking pre-approval for new purchases and leveraging tools to find the best deals, even beyond your local area. Tune in for a wealth of expert advice that could transform your financial future.

]]> Curious about how refinancing could become your financial lifeline amid rising mortgage rates? Join us as we welcome Laura Hawthorne, Centric's Chief Consumer Lender, who brings over 25 years of expertise to unravel the complexities of mortgage rates and refinancing. Laura shares her invaluable insights into the current state of mortgage rates, discusses the resulting affordability concerns for potential homeowners. You'll learn about Centric's comprehensive support services, including financial counselors and a dedicated mortgage team ready to guide first-time homebuyers through the maze of borrowing, insurance, and property taxes.

Discover the pivotal role refinancing can play in enhancing cash flow and how it aligns with your personal financial goals. We emphasize the importance of understanding your current interest rate and clarify the motives behind refinancing, whether it's to secure a lower rate or to create more manageable monthly payments. This episode highlights the crucial benefit of consulting with financial counselors and explores debt consolidation as a means of simplifying payments. We also touch on the advantage of seeking pre-approval for new purchases and leveraging tools to find the best deals, even beyond your local area. Tune in for a wealth of expert advice that could transform your financial future.

]]> https://www.mycentric.org/podcasts/episode-335-more-month-than-paycheck-now-what/ Centric FCU Buzzsprout-16094331 Tue, 12 Nov 2024 14:00:00 -0600 1054 4 335 full false Cards, Fraud and Security, Oh, My! Cards, Fraud and Security, Oh, My! Unlock the secrets to protecting your finances from fraud with expert insights from Zane Dubois, Centric's Cards Manager. With over ten years of experience in the banking world, Zane joins us on the Live Better podcast to discuss practical strategies for securing your debit and credit cards. From the advantages of mobile wallets to the critical role of EMV chip technology, we guarantee you'll walk away with actionable tips to navigate our increasingly digital financial landscape safely.

Tune in as we share a personal story about an unexpected Amazon alert that highlights the importance of vigilance and quick action when fraud strikes. Learn how to recognize early warning signs, such as small test charges by scammers, and discover why keeping your contact information updated is crucial. We also shed light on avoiding impersonation scams and securing mobile wallets, ensuring you are armed with the knowledge to protect your financial well-being. Don't forget to subscribe for more episodes packed with valuable advice and follow us on our social media channels for ongoing updates.

]]> Unlock the secrets to protecting your finances from fraud with expert insights from Zane Dubois, Centric's Cards Manager. With over ten years of experience in the banking world, Zane joins us on the Live Better podcast to discuss practical strategies for securing your debit and credit cards. From the advantages of mobile wallets to the critical role of EMV chip technology, we guarantee you'll walk away with actionable tips to navigate our increasingly digital financial landscape safely.

Tune in as we share a personal story about an unexpected Amazon alert that highlights the importance of vigilance and quick action when fraud strikes. Learn how to recognize early warning signs, such as small test charges by scammers, and discover why keeping your contact information updated is crucial. We also shed light on avoiding impersonation scams and securing mobile wallets, ensuring you are armed with the knowledge to protect your financial well-being. Don't forget to subscribe for more episodes packed with valuable advice and follow us on our social media channels for ongoing updates.

]]> Centric FCU Buzzsprout-15892693 Tue, 08 Oct 2024 17:00:00 -0500 1320 full false You Down with ODP? Financial Tips from Centric's Expert You Down with ODP? Financial Tips from Centric's Expert Ever wondered how a simple overdraft privilege can be a financial game-changer? Join me, Kelli Green, on the latest episode of the Live Better podcast by Centric, where I sit down with Whitley Johnson, Centric's seasoned Overdraft Coordinator, to uncover the secrets of managing financial crunches with ease. Whitley, who has been a cornerstone at Centric for nearly nine years, shares her expert insights on how the Overdraft Privilege Program can step in to cover unexpected expenses, from gas to daycare payments, without the long-term strings attached.

In this episode, we explore how Centric is innovating to make financial management more accessible, including their thoughtful approach to waiving fees for overdrafts under $5. Whether it's those sneaky Apple subscriptions or a quick snack from the vending machine, small transactions no longer need to be a burden. Learn how this program can serve as a lifeline during financially tight times, offering a practical alternative to the high costs and embarrassment often associated with payday lenders. Tune in for valuable tips and real-life stories that illustrate how overdraft privilege can be a smart tool for living better.

For more information related to our Overdraft Privilege Program you may learn more here. 

]]> Ever wondered how a simple overdraft privilege can be a financial game-changer? Join me, Kelli Green, on the latest episode of the Live Better podcast by Centric, where I sit down with Whitley Johnson, Centric's seasoned Overdraft Coordinator, to uncover the secrets of managing financial crunches with ease. Whitley, who has been a cornerstone at Centric for nearly nine years, shares her expert insights on how the Overdraft Privilege Program can step in to cover unexpected expenses, from gas to daycare payments, without the long-term strings attached.

In this episode, we explore how Centric is innovating to make financial management more accessible, including their thoughtful approach to waiving fees for overdrafts under $5. Whether it's those sneaky Apple subscriptions or a quick snack from the vending machine, small transactions no longer need to be a burden. Learn how this program can serve as a lifeline during financially tight times, offering a practical alternative to the high costs and embarrassment often associated with payday lenders. Tune in for valuable tips and real-life stories that illustrate how overdraft privilege can be a smart tool for living better.

For more information related to our Overdraft Privilege Program you may learn more here. 

]]> Centric FCU Buzzsprout-15773929 Wed, 18 Sep 2024 09:00:00 -0500 734 3 333 full false The 411 on Loan Assistance The 411 on Loan Assistance Can managing your finances during the back-to-school season save your sanity? Join us as we uncover valuable strategies with Lynette Kovack, Centric's Solutions Recovery Specialist, who reveals how skip-a-pay and loan deferrals can ease financial stress without harming your credit score. You'll gain insights into scrutinizing bank statements to cut unnecessary expenses and the power of a well-crafted budget that puts you in control. Lynette and I discuss the often overlooked costs of school supplies and extracurricular activities, offering practical advice to help you navigate this financially demanding time with confidence.

Experiencing a job loss or medical expenses? Discover the array of financial relief options Centric offers to support you through both short-term and long-term hardships. Learn the benefits of early communication with your credit union and explore refinancing options that come with a 90-day no-payment grace period. We also emphasize the unique advantages of being part of a credit union and Centric's unwavering commitment to its members, regardless of their financial situation. Stay connected with us by subscribing to the Live Better podcast and following Centric Federal Credit Union on social media for ongoing tips and updates.

]]> Can managing your finances during the back-to-school season save your sanity? Join us as we uncover valuable strategies with Lynette Kovack, Centric's Solutions Recovery Specialist, who reveals how skip-a-pay and loan deferrals can ease financial stress without harming your credit score. You'll gain insights into scrutinizing bank statements to cut unnecessary expenses and the power of a well-crafted budget that puts you in control. Lynette and I discuss the often overlooked costs of school supplies and extracurricular activities, offering practical advice to help you navigate this financially demanding time with confidence.

Experiencing a job loss or medical expenses? Discover the array of financial relief options Centric offers to support you through both short-term and long-term hardships. Learn the benefits of early communication with your credit union and explore refinancing options that come with a 90-day no-payment grace period. We also emphasize the unique advantages of being part of a credit union and Centric's unwavering commitment to its members, regardless of their financial situation. Stay connected with us by subscribing to the Live Better podcast and following Centric Federal Credit Union on social media for ongoing tips and updates.

]]> Centric FCU Buzzsprout-15607047 Mon, 19 Aug 2024 12:00:00 -0500 1262 3 332 full false Is Debt Relief Really an Option? Is Debt Relief Really an Option? Unlock the secrets to financial stability with our latest episode of the Live Better Podcast! Join Kelli Green, Centric's Senior Vice President of Marketing, and Linette Kovac, Solutions Recovery Consultant at Centric Federal Credit Union, as we navigate the complex world of debt relief. Learn how to effectively manage financial challenges, from contacting Centric's Solutions Department for interest reductions and payment adjustments to making informed decisions about significant purchases like vehicles. With the rising cost of living, maintaining flexibility and open communication with financial institutions is more crucial than ever. 

Discover the power of being proactive and open-minded. Linette shares invaluable insights into the tailored financial solutions offered by Centric, including debt consolidation loans and free credit counseling, available to both members and non-members. We emphasize the importance of setting up a budget, obtaining a credit report, and staying informed to enhance your financial health. Empower yourself with the knowledge to tackle debt head-on and achieve long-term financial stability. Tune in and take the first step towards a more secure financial future!

]]> Unlock the secrets to financial stability with our latest episode of the Live Better Podcast! Join Kelli Green, Centric's Senior Vice President of Marketing, and Linette Kovac, Solutions Recovery Consultant at Centric Federal Credit Union, as we navigate the complex world of debt relief. Learn how to effectively manage financial challenges, from contacting Centric's Solutions Department for interest reductions and payment adjustments to making informed decisions about significant purchases like vehicles. With the rising cost of living, maintaining flexibility and open communication with financial institutions is more crucial than ever. 

Discover the power of being proactive and open-minded. Linette shares invaluable insights into the tailored financial solutions offered by Centric, including debt consolidation loans and free credit counseling, available to both members and non-members. We emphasize the importance of setting up a budget, obtaining a credit report, and staying informed to enhance your financial health. Empower yourself with the knowledge to tackle debt head-on and achieve long-term financial stability. Tune in and take the first step towards a more secure financial future!

]]> Centric FCU Buzzsprout-15429301 Wed, 17 Jul 2024 11:00:00 -0500 1042 3 331 full false Don't Let Inflation Wreck Your Plans with Special Guest Laura Hawthorne Don't Let Inflation Wreck Your Plans with Special Guest Laura Hawthorne Ever wondered how to shield your wallet from the sting of inflation? Join us as we dive into an insightful conversation with Laura Hawthorne, Chief Consumer Lending Officer at Centric Federal Credit Union. Laura unpacks the complex dynamics of inflation, revealing the forces behind rising costs in groceries, housing, and the car industry. Understand the intricate balance of supply and demand, and discover how inflation is affecting loan and savings rates. Don't miss Laura’s expert advice on how to navigate these turbulent times with practical strategies, including Centric's car buying program designed to help you make smarter financial decisions.

Ready to make your money work harder for you? This episode is packed with actionable tips to help you maximize savings despite soaring prices. Learn the benefits of loan repricing and adjusting payment frequencies to lower your interest costs. Laura also emphasizes the critical distinction between needs and wants in your budget, and the role of financial counselors in streamlining your expenses. From investing in high-yield certificates to leveraging the security of NCUA insurance, we cover all bases. Plus, discover how building a robust credit score can pave the way for better borrowing terms in the future. Tune in and equip yourself with the tools to stay financially resilient!

]]> Ever wondered how to shield your wallet from the sting of inflation? Join us as we dive into an insightful conversation with Laura Hawthorne, Chief Consumer Lending Officer at Centric Federal Credit Union. Laura unpacks the complex dynamics of inflation, revealing the forces behind rising costs in groceries, housing, and the car industry. Understand the intricate balance of supply and demand, and discover how inflation is affecting loan and savings rates. Don't miss Laura’s expert advice on how to navigate these turbulent times with practical strategies, including Centric's car buying program designed to help you make smarter financial decisions.

Ready to make your money work harder for you? This episode is packed with actionable tips to help you maximize savings despite soaring prices. Learn the benefits of loan repricing and adjusting payment frequencies to lower your interest costs. Laura also emphasizes the critical distinction between needs and wants in your budget, and the role of financial counselors in streamlining your expenses. From investing in high-yield certificates to leveraging the security of NCUA insurance, we cover all bases. Plus, discover how building a robust credit score can pave the way for better borrowing terms in the future. Tune in and equip yourself with the tools to stay financially resilient!

]]> Centric FCU Buzzsprout-15271559 Tue, 18 Jun 2024 12:00:00 -0500 994 3 330 full false The Scoop Before Buying Your First Home with Ashley Owens The Scoop Before Buying Your First Home with Ashley Owens Unlock the door to your future home with confidence as Ashley Owens, Centric FCU's VP of Mortgage, joins us to clarify the journey of home ownership and the art of securing an advantageous mortgage. If you've ever felt baffled by the fluctuating housing market or tangled in the web of credit scores and interest rates, this episode is your beacon through the fog. Ashley disentangles market trends and illuminates how a sterling credit score is more than just a number—it's your ticket to a rate that smiles back at your wallet. Our chat navigates through the often-overlooked debt-to-income ratio and arms you with strategies to anchor yourself in a rate that won't leave you adrift when financial tides shift.

Step through the threshold of your first home with ease, as we explore Centric's tailored program for first-time buyers that's changing the game—one without private mortgage insurance or the confines of zip codes. Ever pondered the secret passages an experienced real estate agent might reveal or how to prepare for the financial surprises that life likes to throw our way? We've got you covered, filling your toolbox with the essentials for not only acquiring the keys to your new abode but also crafting a budget to keep the hearth of your home life glowing. From pre-qualification to post-purchase peace of mind, this episode is your guide through the labyrinth of home-buying to ensure your journey ends with a welcome mat at a place you can truly call your own.

]]> Unlock the door to your future home with confidence as Ashley Owens, Centric FCU's VP of Mortgage, joins us to clarify the journey of home ownership and the art of securing an advantageous mortgage. If you've ever felt baffled by the fluctuating housing market or tangled in the web of credit scores and interest rates, this episode is your beacon through the fog. Ashley disentangles market trends and illuminates how a sterling credit score is more than just a number—it's your ticket to a rate that smiles back at your wallet. Our chat navigates through the often-overlooked debt-to-income ratio and arms you with strategies to anchor yourself in a rate that won't leave you adrift when financial tides shift.

Step through the threshold of your first home with ease, as we explore Centric's tailored program for first-time buyers that's changing the game—one without private mortgage insurance or the confines of zip codes. Ever pondered the secret passages an experienced real estate agent might reveal or how to prepare for the financial surprises that life likes to throw our way? We've got you covered, filling your toolbox with the essentials for not only acquiring the keys to your new abode but also crafting a budget to keep the hearth of your home life glowing. From pre-qualification to post-purchase peace of mind, this episode is your guide through the labyrinth of home-buying to ensure your journey ends with a welcome mat at a place you can truly call your own.

]]> Centric FCU Buzzsprout-15087163 Fri, 17 May 2024 11:00:00 -0500 1651 3 329 full false Building Financial Literacy for a Brighter Tomorrow with Melanie Moffett Building Financial Literacy for a Brighter Tomorrow with Melanie Moffett Unlock the secrets to planting the seeds of financial wisdom in our youth with Melanie Moffett, our whirlwind of a Marketing Coordinator who's making waves in the community. In celebration of Youth Month, we're putting the spotlight on the need for early financial education, and Melanie is here to share how she's engaging young minds on this vital topic. With the help of our lovable mascot Sprout, we're guiding kids to understand the value of a dollar and the significance of saving, starting with some enticing April promotions that make opening a KidSaver account or getting a student debit card more rewarding than ever.

Our conversation with Melanie isn't just about piggy banks and allowance—prepare to navigate the more sophisticated aspects of financial literacy for youngsters. We discuss the tangible impact of financial responsibility when unforeseen expenses like Chromebook repairs arise, offering practical tips for kids to manage and grow their savings. Meanwhile, for parents fretting about oversight, we illuminate how the convenience of ATMs and ITMs can provide easy access to funds while still allowing parental control. As Youth Month marches on, let's commit to empowering the next generation with a robust financial toolkit that will serve them for life.

]]> Unlock the secrets to planting the seeds of financial wisdom in our youth with Melanie Moffett, our whirlwind of a Marketing Coordinator who's making waves in the community. In celebration of Youth Month, we're putting the spotlight on the need for early financial education, and Melanie is here to share how she's engaging young minds on this vital topic. With the help of our lovable mascot Sprout, we're guiding kids to understand the value of a dollar and the significance of saving, starting with some enticing April promotions that make opening a KidSaver account or getting a student debit card more rewarding than ever.

Our conversation with Melanie isn't just about piggy banks and allowance—prepare to navigate the more sophisticated aspects of financial literacy for youngsters. We discuss the tangible impact of financial responsibility when unforeseen expenses like Chromebook repairs arise, offering practical tips for kids to manage and grow their savings. Meanwhile, for parents fretting about oversight, we illuminate how the convenience of ATMs and ITMs can provide easy access to funds while still allowing parental control. As Youth Month marches on, let's commit to empowering the next generation with a robust financial toolkit that will serve them for life.

]]> Centric FCU Buzzsprout-14878403 Fri, 12 Apr 2024 12:00:00 -0500 1002 3 328 full false Keys to Your First Home with Special Guest Ashley Owens Keys to Your First Home with Special Guest Ashley Owens Unlock the secrets to a smooth path toward owning your first home, with guidance from Ashley Owens, the powerhouse Vice President of Mortgage at Centric. In our heartfelt discussion, she brings a trove of experience—16 years, to be exact—to demystify the home buying process. Ashley showcases Centric's unique offerings, like 100% financing options sans PMI, and how they intertwine with local real estate expertise to keep your budget in check. Her personalized approach to financial guidance doesn't just end with getting you a set of keys; it’s about nurturing the confidence to make well-informed decisions every step of the way.

Prepare to have all your home buying myths busted and your queries quelled, as we zoom in on the essentials of financial literacy for first-time buyers. Think of this episode as your personal advisory session, where we'll walk you through credit checks, savings tips for sprucing up your new space, and the unexpected costs that can crop up. Ashley's comprehensive rundown on pre-qualification illuminates the path from browsing listings to becoming a bona fide homeowner, while emphasizing the joy and achievement that come with purchasing your very own piece of the American dream.

]]> Unlock the secrets to a smooth path toward owning your first home, with guidance from Ashley Owens, the powerhouse Vice President of Mortgage at Centric. In our heartfelt discussion, she brings a trove of experience—16 years, to be exact—to demystify the home buying process. Ashley showcases Centric's unique offerings, like 100% financing options sans PMI, and how they intertwine with local real estate expertise to keep your budget in check. Her personalized approach to financial guidance doesn't just end with getting you a set of keys; it’s about nurturing the confidence to make well-informed decisions every step of the way.

Prepare to have all your home buying myths busted and your queries quelled, as we zoom in on the essentials of financial literacy for first-time buyers. Think of this episode as your personal advisory session, where we'll walk you through credit checks, savings tips for sprucing up your new space, and the unexpected costs that can crop up. Ashley's comprehensive rundown on pre-qualification illuminates the path from browsing listings to becoming a bona fide homeowner, while emphasizing the joy and achievement that come with purchasing your very own piece of the American dream.

]]> Centric FCU Buzzsprout-14774029 Tue, 26 Mar 2024 16:00:00 -0500 1230 3 327 full false Navigating Tax Season for Maximum Benefit with Finance Expert Billy Joiner Navigating Tax Season for Maximum Benefit with Finance Expert Billy Joiner Unlock the secret to a fatter tax refund and wiser financial future with Centric's CFO, Billy Joiner. As your savvy guide, Billy doesn't just break down the numbers; he brings to light the comprehensive value of being prepared with essential documents like 1099s and W-2s to ensure your tax return is not just timely but hits the mark for accuracy. Our conversation ventures into the diverse offerings at Centric, from financial counseling to the BizKids program, and paints a picture of a financial institution that's deeply invested in the economic prosperity of its community members. 

This episode is a treasure trove of strategies for maximizing your tax season winnings. We'll share why professional tax advice could be your holy grail to uncovering hidden deductions and how opting for direct deposit into a credit union can stretch your dollar further. Billy Joiner helps navigate the tricky waters of tax withholdings, providing actionable tips to adjust them in your favor during inflationary times. And for those pondering the smartest ways to use their tax refunds, we cover everything from extinguishing debt to bolstering your savings, ensuring that your financial decisions are both informed and intelligent. Join us and transform your approach to personal finance one tax season at a time.

]]> Unlock the secret to a fatter tax refund and wiser financial future with Centric's CFO, Billy Joiner. As your savvy guide, Billy doesn't just break down the numbers; he brings to light the comprehensive value of being prepared with essential documents like 1099s and W-2s to ensure your tax return is not just timely but hits the mark for accuracy. Our conversation ventures into the diverse offerings at Centric, from financial counseling to the BizKids program, and paints a picture of a financial institution that's deeply invested in the economic prosperity of its community members. 

This episode is a treasure trove of strategies for maximizing your tax season winnings. We'll share why professional tax advice could be your holy grail to uncovering hidden deductions and how opting for direct deposit into a credit union can stretch your dollar further. Billy Joiner helps navigate the tricky waters of tax withholdings, providing actionable tips to adjust them in your favor during inflationary times. And for those pondering the smartest ways to use their tax refunds, we cover everything from extinguishing debt to bolstering your savings, ensuring that your financial decisions are both informed and intelligent. Join us and transform your approach to personal finance one tax season at a time.

]]> Centric FCU Buzzsprout-14541600 Tue, 20 Feb 2024 15:00:00 -0600 1106 326 full false Mastering Credit Health: Strategies for Financial Prosperity with Expert Kelli Green Mastering Credit Health: Strategies for Financial Prosperity with Expert Kelli Green Unlock the secrets to a thriving financial future with SVP Marketing Kelli Green, who joins us with her 16 years of finance acumen to navigate the complexities of credit health. Get ready to understand how your credit score shapes your economic opportunities and learn the ins and outs of installment debts versus revolving credit. We'll guide you through the importance of payment history and the subtle yet significant ways new credit lines can influence your score. If you've ever been puzzled by the financial decisions that pave the path to prosperity, this conversation is the key to clarifying those mysteries.

Embark on a journey with us that transcends the basics of credit card usage, delving into effective debt management strategies and the power of paying above the minimum. Discover how consolidating credit lines can streamline your finances and potentially lift your credit score. Our dialogue with Kelli Green doesn't just end with tips and tricks; it's an eye-opener to the harsh realities of a low credit score and the strategic moves one can make in the face of financial adversity. From fostering bank relationships for favorable credit terms to leveraging expert financial counseling, we're handing you the roadmap to not just survive, but thrive in the world of credit and overall financial well-being.

]]> Unlock the secrets to a thriving financial future with SVP Marketing Kelli Green, who joins us with her 16 years of finance acumen to navigate the complexities of credit health. Get ready to understand how your credit score shapes your economic opportunities and learn the ins and outs of installment debts versus revolving credit. We'll guide you through the importance of payment history and the subtle yet significant ways new credit lines can influence your score. If you've ever been puzzled by the financial decisions that pave the path to prosperity, this conversation is the key to clarifying those mysteries.

Embark on a journey with us that transcends the basics of credit card usage, delving into effective debt management strategies and the power of paying above the minimum. Discover how consolidating credit lines can streamline your finances and potentially lift your credit score. Our dialogue with Kelli Green doesn't just end with tips and tricks; it's an eye-opener to the harsh realities of a low credit score and the strategic moves one can make in the face of financial adversity. From fostering bank relationships for favorable credit terms to leveraging expert financial counseling, we're handing you the roadmap to not just survive, but thrive in the world of credit and overall financial well-being.

]]> Centric FCU Buzzsprout-14341442 Fri, 19 Jan 2024 14:00:00 -0600 1523 325 full false Navigating Work-Life Balance Navigating Work-Life Balance In Episode 324 of the "Live Better Podcast" from Centric FCU, host Emma explores the challenge of "Navigating Work-Life Balance." With guest speaker Lawrencia from Finding Solace Counseling, the episode provides practical tips for thriving in a harmonious work-life balance.

They discuss evolving work-life balance concepts and trends in today's workplaces, sharing personal experiences and lessons learned. The conversation emphasizes setting boundaries at work, employer roles in creating supportive environments, and effective communication of balance needs.

Key topics include time management, self-care, and using technology for productivity without sacrificing personal time. The episode recognizes signs of imbalance and burnout, offering prevention tips. The role of remote work in balance and common misconceptions are also addressed.

As the episode wraps up, Emma reinforces Centric's commitment to supporting listeners on their financial and well-being journey. The audience is encouraged to subscribe, share, and provide feedback for ongoing conversations on social media. Overall, Episode 324 is a practical guide for achieving a balanced work-life approach.

]]> In Episode 324 of the "Live Better Podcast" from Centric FCU, host Emma explores the challenge of "Navigating Work-Life Balance." With guest speaker Lawrencia from Finding Solace Counseling, the episode provides practical tips for thriving in a harmonious work-life balance.

They discuss evolving work-life balance concepts and trends in today's workplaces, sharing personal experiences and lessons learned. The conversation emphasizes setting boundaries at work, employer roles in creating supportive environments, and effective communication of balance needs.

Key topics include time management, self-care, and using technology for productivity without sacrificing personal time. The episode recognizes signs of imbalance and burnout, offering prevention tips. The role of remote work in balance and common misconceptions are also addressed.

As the episode wraps up, Emma reinforces Centric's commitment to supporting listeners on their financial and well-being journey. The audience is encouraged to subscribe, share, and provide feedback for ongoing conversations on social media. Overall, Episode 324 is a practical guide for achieving a balanced work-life approach.

]]> Centric FCU Buzzsprout-14166105 Mon, 18 Dec 2023 08:00:00 -0600 1438 full false The Gig Economy and Side Hustles The Gig Economy and Side Hustles In Episode 323 of the Live Better Podcast, presented by Centric FCU, explore the transformative force of the gig economy and side hustles in our rapidly changing world. The gig economy has become more than just a buzzword—it's reshaping the way we work, earn, and live. Side hustles are now a lifeline for many seeking financial flexibility and diverse opportunities.

Join us as we dive into the pros and cons of side hustles with Matt Waldroup, Centric’s SVP of Business Services. From assessing the advantages and disadvantages of side hustles to exploring popular side hustles in 2023, this episode equips you with valuable information and strategies to improve your financial well-being.

Discover creative ways people are making extra income, explore how hobbies can be turned into profitable side hustles, and learn about balancing full-time work with additional ventures. The episode also discusses the growth of remote freelance work, financial planning for side hustlers, and the gig economy's impact on creatives.

Get practical advice on finding freelance opportunities online, managing your time effectively, and identifying and leveraging your skills for profitable side hustles. Explore the risks associated with side hustles and learn how to protect yourself financially and legally.

As the episode concludes, listeners are encouraged to define their financial goals and understand how side hustles can expedite goal achievement. The Live Better Podcast remains committed to providing insights into personal finance. Subscribe, share, and review to support the podcast and stay connected on social media for the latest financial insights and resources. Centric is your steadfast partner as you navigate your financial journey—thank you for tuning in!

]]> In Episode 323 of the Live Better Podcast, presented by Centric FCU, explore the transformative force of the gig economy and side hustles in our rapidly changing world. The gig economy has become more than just a buzzword—it's reshaping the way we work, earn, and live. Side hustles are now a lifeline for many seeking financial flexibility and diverse opportunities.

Join us as we dive into the pros and cons of side hustles with Matt Waldroup, Centric’s SVP of Business Services. From assessing the advantages and disadvantages of side hustles to exploring popular side hustles in 2023, this episode equips you with valuable information and strategies to improve your financial well-being.

Discover creative ways people are making extra income, explore how hobbies can be turned into profitable side hustles, and learn about balancing full-time work with additional ventures. The episode also discusses the growth of remote freelance work, financial planning for side hustlers, and the gig economy's impact on creatives.

Get practical advice on finding freelance opportunities online, managing your time effectively, and identifying and leveraging your skills for profitable side hustles. Explore the risks associated with side hustles and learn how to protect yourself financially and legally.

As the episode concludes, listeners are encouraged to define their financial goals and understand how side hustles can expedite goal achievement. The Live Better Podcast remains committed to providing insights into personal finance. Subscribe, share, and review to support the podcast and stay connected on social media for the latest financial insights and resources. Centric is your steadfast partner as you navigate your financial journey—thank you for tuning in!

]]> Centric FCU Buzzsprout-14100486 Wed, 06 Dec 2023 10:00:00 -0600 1520 side hustles, finance, budget, banking, credit union, money management, mortgage, home buyer, buying a home, financial literacy, personal finance 3 323 full false Surviving Inflation Surviving Inflation Join us in this informative episode of Centric FCU's Live Better Podcast, where we explore the impact of inflation on your financial well-being and how Centric Federal Credit Union is here to support you. Host, Emma Banes, and special guest, Kelli Green, guide you through understanding inflation, its effects on your daily life, and strategies to protect your finances. Discover how Centric FCU empowers its members during these challenging times, providing a roadmap to financial stability in the face of inflation. Tune in now and take control of your financial future!

]]> Join us in this informative episode of Centric FCU's Live Better Podcast, where we explore the impact of inflation on your financial well-being and how Centric Federal Credit Union is here to support you. Host, Emma Banes, and special guest, Kelli Green, guide you through understanding inflation, its effects on your daily life, and strategies to protect your finances. Discover how Centric FCU empowers its members during these challenging times, providing a roadmap to financial stability in the face of inflation. Tune in now and take control of your financial future!

]]> Centric FCU Buzzsprout-13803833 Wed, 18 Oct 2023 14:00:00 -0500 2347 inflation, finance, budget, banking, credit union, money management, mortgage, home buyer, buying a home, financial literacy, personal finance 3 322 full false Community Events in Ouachita Parish with Sheila Snow Community Events in Ouachita Parish with Sheila Snow Welcome to another exciting episode of Centric FCU's Live Better Podcast! 🎙️

Join us on this journey as we explore the vibrant and captivating Ouachita Parish, where every day offers something special to discover. In our latest episode, we had the privilege of sitting down with a true community advocate, Sheila Snow, the Vice President of Communications for Discover Monroe-West Monroe.

Sheila Snow is your ultimate guide to all things happening in the Ouachita parish area. From thrilling events to hidden gems, Sheila sheds light on the heart and soul of this incredible Louisiana destination. 

Tune in to this episode as we dive into the pulse of Ouachita Parish, unveiling a treasure trove of upcoming events that will spark your curiosity and ignite your sense of adventure. Whether you're a local looking for something new or a visitor seeking authentic experiences, this episode is your key to unlocking the essence of this dynamic region.

Mark your calendars and get ready to explore, celebrate, and Live Better in Ouachita Parish. 📅

Hit that subscribe button and the notification bell to stay updated with the latest insights, stories, and events that enrich the lives of those who call this wonderful community home.

Don't forget to share this episode with your friends and family to spread the excitement! Let's make every day in Ouachita Parish a memorable one.

#DiscoverOuachitaParish #LiveBetterPodcast #Community #MonroeWestMonroe #OuachitaEvents

]]> Welcome to another exciting episode of Centric FCU's Live Better Podcast! 🎙️

Join us on this journey as we explore the vibrant and captivating Ouachita Parish, where every day offers something special to discover. In our latest episode, we had the privilege of sitting down with a true community advocate, Sheila Snow, the Vice President of Communications for Discover Monroe-West Monroe.

Sheila Snow is your ultimate guide to all things happening in the Ouachita parish area. From thrilling events to hidden gems, Sheila sheds light on the heart and soul of this incredible Louisiana destination. 

Tune in to this episode as we dive into the pulse of Ouachita Parish, unveiling a treasure trove of upcoming events that will spark your curiosity and ignite your sense of adventure. Whether you're a local looking for something new or a visitor seeking authentic experiences, this episode is your key to unlocking the essence of this dynamic region.

Mark your calendars and get ready to explore, celebrate, and Live Better in Ouachita Parish. 📅

Hit that subscribe button and the notification bell to stay updated with the latest insights, stories, and events that enrich the lives of those who call this wonderful community home.

Don't forget to share this episode with your friends and family to spread the excitement! Let's make every day in Ouachita Parish a memorable one.

#DiscoverOuachitaParish #LiveBetterPodcast #Community #MonroeWestMonroe #OuachitaEvents

]]> Centric FCU Buzzsprout-13571447 Mon, 11 Sep 2023 13:00:00 -0500 1764 3 321 full false Digital Detox Digital Detox Join us for a compelling and insightful discussion on Episode 320 of Centric FCU's Live Better Podcast as we delve into the ever-relevant topic of Digital Detox. Our special guest, Lawrencia Jenkins, from Finding Solace, a cherished counseling service in our community, offers her expert insights on the impact of technology and social media on our lives.

In this episode, we tackle the pressing issue of limiting screen time and shed light on the potential harmful effects of excessive social media usage on individuals of all ages, including kids, teens, and adults. Lawrencia's valuable expertise opens up a meaningful conversation about the importance of nurturing healthy relationships with those around us and finding solace beyond the digital world.

Whether you're a parent concerned about your child's online habits or an adult seeking balance in your own tech usage, this episode is filled with practical tips and guidance on how to take intentional breaks from technology and embrace a more present and meaningful life.

Tune in to Episode 320 of the Live Better Podcast for a thought-provoking exploration of the Digital Detox movement, and discover how we can reclaim our focus, mental well-being, and authentic connections in a technology-driven world.

Subscribe now to never miss an episode of Centric FCU's Live Better Podcast as we continue to explore ways to enrich our lives and inspire positive change in our community.

]]> Join us for a compelling and insightful discussion on Episode 320 of Centric FCU's Live Better Podcast as we delve into the ever-relevant topic of Digital Detox. Our special guest, Lawrencia Jenkins, from Finding Solace, a cherished counseling service in our community, offers her expert insights on the impact of technology and social media on our lives.

In this episode, we tackle the pressing issue of limiting screen time and shed light on the potential harmful effects of excessive social media usage on individuals of all ages, including kids, teens, and adults. Lawrencia's valuable expertise opens up a meaningful conversation about the importance of nurturing healthy relationships with those around us and finding solace beyond the digital world.

Whether you're a parent concerned about your child's online habits or an adult seeking balance in your own tech usage, this episode is filled with practical tips and guidance on how to take intentional breaks from technology and embrace a more present and meaningful life.

Tune in to Episode 320 of the Live Better Podcast for a thought-provoking exploration of the Digital Detox movement, and discover how we can reclaim our focus, mental well-being, and authentic connections in a technology-driven world.

Subscribe now to never miss an episode of Centric FCU's Live Better Podcast as we continue to explore ways to enrich our lives and inspire positive change in our community.

]]> Centric FCU Buzzsprout-13324048 Mon, 31 Jul 2023 14:00:00 -0500 1707 3 320 full false The Entrepreneurial Journey The Entrepreneurial Journey 🎙️ Tune in to the Centric FCU Live Better Podcast: Episode 319 - The Entrepreneurial Journey 🌟🎧

In this inspiring episode, we have the pleasure of sitting down with Chris Lewis, a remarkable local business owner and community advocate. Join us as we delve into his entrepreneurial journey and learn about his thriving business, Coney Island, renowned for serving our community's favorite chili dogs. 🌭🌟

But that's not all! Chris's passion for making a difference in our community shines through as he discusses his upcoming venture: opening a boys home right here in our own neighborhood. 🏠💙

Throughout his entrepreneurial endeavors, Chris has trusted Centric FCU as his financial partner, relying on our tailored financing solutions to support his business growth and community initiatives. 💼💰

Join us for an insightful conversation as Chris shares his experiences, challenges, and triumphs on the path of entrepreneurship. Discover the power of local businesses and the positive impact they can have on our community. 🌍🤝

Listen to Episode 319 - The Entrepreneurial Journey now on the Centric FCU Live Better Podcast and be inspired by the incredible story of Chris Lewis and his unwavering commitment to both business success and community welfare. 🎙️💪

#LiveBetterPodcast #EntrepreneurialJourney #CommunityImpact #CentricFCU #LocalBusinesses

]]> 🎙️ Tune in to the Centric FCU Live Better Podcast: Episode 319 - The Entrepreneurial Journey 🌟🎧

In this inspiring episode, we have the pleasure of sitting down with Chris Lewis, a remarkable local business owner and community advocate. Join us as we delve into his entrepreneurial journey and learn about his thriving business, Coney Island, renowned for serving our community's favorite chili dogs. 🌭🌟

But that's not all! Chris's passion for making a difference in our community shines through as he discusses his upcoming venture: opening a boys home right here in our own neighborhood. 🏠💙

Throughout his entrepreneurial endeavors, Chris has trusted Centric FCU as his financial partner, relying on our tailored financing solutions to support his business growth and community initiatives. 💼💰

Join us for an insightful conversation as Chris shares his experiences, challenges, and triumphs on the path of entrepreneurship. Discover the power of local businesses and the positive impact they can have on our community. 🌍🤝

Listen to Episode 319 - The Entrepreneurial Journey now on the Centric FCU Live Better Podcast and be inspired by the incredible story of Chris Lewis and his unwavering commitment to both business success and community welfare. 🎙️💪

#LiveBetterPodcast #EntrepreneurialJourney #CommunityImpact #CentricFCU #LocalBusinesses

]]> Centric FCU Buzzsprout-13166842 Wed, 05 Jul 2023 13:00:00 -0500 1829 podcast, centric fcu, business owner, small business, entrepreneur, restaurant owner 3 319 full false How to Prepare for a Job Interview How to Prepare for a Job Interview Welcome to the Centric FCU Live Better Podcast, where we strive to help you live your best life. In this episode, we shift our focus to job interviews and delve into the dos and don'ts that can make a significant difference in your career journey.

Join us as we dive deep into the world of job interviews, providing valuable insights, expert tips, and practical advice to help you navigate this crucial stage with confidence. While our podcast covers a wide range of topics related to living better, in this particular episode, we place a spotlight on the intricacies of job interviews.

Our experienced host and special guest discuss effective interview techniques, common mistakes to avoid, and the key elements that can set you apart from other candidates. From crafting compelling answers to tough questions to mastering body language and presentation skills, we leave no stone unturned.

Tune in to this engaging episode of the Centric FCU Live Better Podcast to gain valuable insights that can enhance your interview performance and increase your chances of landing your dream job. Don't forget to subscribe to our channel for more episodes covering a wide range of topics aimed at helping you live better.

]]> Welcome to the Centric FCU Live Better Podcast, where we strive to help you live your best life. In this episode, we shift our focus to job interviews and delve into the dos and don'ts that can make a significant difference in your career journey.

Join us as we dive deep into the world of job interviews, providing valuable insights, expert tips, and practical advice to help you navigate this crucial stage with confidence. While our podcast covers a wide range of topics related to living better, in this particular episode, we place a spotlight on the intricacies of job interviews.

Our experienced host and special guest discuss effective interview techniques, common mistakes to avoid, and the key elements that can set you apart from other candidates. From crafting compelling answers to tough questions to mastering body language and presentation skills, we leave no stone unturned.

Tune in to this engaging episode of the Centric FCU Live Better Podcast to gain valuable insights that can enhance your interview performance and increase your chances of landing your dream job. Don't forget to subscribe to our channel for more episodes covering a wide range of topics aimed at helping you live better.

]]> Centric FCU Buzzsprout-13026353 Mon, 12 Jun 2023 15:00:00 -0500 1481 3 318 full false Are Student Loans Really Worth It? Are Student Loans Really Worth It? On this month's episode of the Live Better Podcast, we chat with Centric's very own AVP of Operations to discuss whether or not student loans are really worth it.

]]> On this month's episode of the Live Better Podcast, we chat with Centric's very own AVP of Operations to discuss whether or not student loans are really worth it.

]]> Centric FCU Buzzsprout-12838317 Fri, 12 May 2023 14:00:00 -0500 986 3 317 full false What to Do with Your Tax Refund What to Do with Your Tax Refund Today we are joined by Casey Messer, who is Centric's Training Manager, to chat about different ways to put your tax refund to good use.

]]> Today we are joined by Casey Messer, who is Centric's Training Manager, to chat about different ways to put your tax refund to good use.

]]> Centric FCU Buzzsprout-12644802 Thu, 13 Apr 2023 12:00:00 -0500 1104 finance, budget, banking, credit union, money management, tax refund, financial literacy, personal finance 3 316 full false Buying a Home in 2023 Buying a Home in 2023 On this episode of the Live Better Podcast, we chat with Centric's VP of Mortgage Lending, Ashley Wilson, about the different aspects of buying a home in 2023.

]]> On this episode of the Live Better Podcast, we chat with Centric's VP of Mortgage Lending, Ashley Wilson, about the different aspects of buying a home in 2023.

]]> Centric FCU Buzzsprout-12453648 Thu, 16 Mar 2023 08:00:00 -0500 1877 finance, budget, banking, credit union, money management, mortgage, home buyer, buying a home, financial literacy, personal finance 3 315 full false The Importance of Financial Literacy in Schools The Importance of Financial Literacy in Schools On this month’s podcast, we met with Brent May, principal at West Ridge Middle School here in West Monroe, to discuss the importance of financial education within the school system. 

]]> On this month’s podcast, we met with Brent May, principal at West Ridge Middle School here in West Monroe, to discuss the importance of financial education within the school system. 

]]> Centric FCU Buzzsprout-12250106 Tue, 14 Feb 2023 08:00:00 -0600 1070 finance, budget, banking, credit union, money management, education, school system, financial literacy, personal finance 3 314 full false The Difference Between a Credit Union and a Bank The Difference Between a Credit Union and a Bank On this month’s podcast, we met with Kelli Green, Centric’s SVP of Marketing and Member Engagement, to discuss the many differences between a credit union and a bank. 

]]> On this month’s podcast, we met with Kelli Green, Centric’s SVP of Marketing and Member Engagement, to discuss the many differences between a credit union and a bank. 

]]> Centric FCU Buzzsprout-12061089 Tue, 17 Jan 2023 08:00:00 -0600 1401 finance, budget, banking, credit union, money management 3 313 full false Financial Wellness Checks Financial Wellness Checks On this month’s podcast, we met with Kelli Green, Centric’s SVP of Marketing and Member Engagement, to discuss the many benefits of scheduling financial wellness checks with Centric’s Certified Financial Counselors.

]]> On this month’s podcast, we met with Kelli Green, Centric’s SVP of Marketing and Member Engagement, to discuss the many benefits of scheduling financial wellness checks with Centric’s Certified Financial Counselors.

]]> Centric FCU Buzzsprout-11912775 Wed, 21 Dec 2022 13:00:00 -0600 2172 3 312 full false Center for Children and Families Center for Children and Families On this episode, we talked with Anna Grimmett, a member of the executive team at the Center for Children and Families. We discussed our community partnership and how they promote safe environments for children through advocacy, counseling, education, and prevention. 

]]> On this episode, we talked with Anna Grimmett, a member of the executive team at the Center for Children and Families. We discussed our community partnership and how they promote safe environments for children through advocacy, counseling, education, and prevention. 

]]> Buzzsprout-11565171 Wed, 09 Nov 2022 08:00:00 -0600 830 3 311 full false 'Tis the Season 'Tis the Season On this month’s podcast, we chatted with one of Centric’s loan processors, Sarah-Beth Gaston, about different ways to budget and save money during the holidays. She shared her perspective on the importance of saving, budgeting, and spending time with family.

]]> On this month’s podcast, we chatted with one of Centric’s loan processors, Sarah-Beth Gaston, about different ways to budget and save money during the holidays. She shared her perspective on the importance of saving, budgeting, and spending time with family.

]]> Buzzsprout-11565150 Wed, 26 Oct 2022 07:00:00 -0500 543 3 310 full false Budgeting Now Budgeting Now On this month’s podcast, we chatted with Centric’s Training Manager, Casey Messer, about different ways to budget and save money on gas, groceries, and energy. She shared her perspective on the importance of saving and budgeting and how her family does it. 

]]> On this month’s podcast, we chatted with Centric’s Training Manager, Casey Messer, about different ways to budget and save money on gas, groceries, and energy. She shared her perspective on the importance of saving and budgeting and how her family does it. 

]]> Buzzsprout-11415602 Fri, 30 Sep 2022 13:00:00 -0500 1086 3 309 full false Wellness for the Whole Family Wellness for the Whole Family On this month’s podcast we chatted with Krystal Farnell and Hannah Burgess from The Wellness Center in West Monroe, LA. We were able to chat about their fitness classes, memberships, childcare, and gym facilities. They offer camps throughout the year for children, called KidsFit. Through KidsFit, they have fun and creative activities that keep them moving. 

Be sure you make time to stop and check out their open house on September 19th from 5 to 7pm. They will be providing tours of the facilities, special pricing, and giveaways. You can find everything they offer at wmwellnesscenter.com! 

]]> On this month’s podcast we chatted with Krystal Farnell and Hannah Burgess from The Wellness Center in West Monroe, LA. We were able to chat about their fitness classes, memberships, childcare, and gym facilities. They offer camps throughout the year for children, called KidsFit. Through KidsFit, they have fun and creative activities that keep them moving. 

Be sure you make time to stop and check out their open house on September 19th from 5 to 7pm. They will be providing tours of the facilities, special pricing, and giveaways. You can find everything they offer at wmwellnesscenter.com! 

]]> Centric FCU Buzzsprout-11243664 Mon, 29 Aug 2022 11:00:00 -0500 569 3 308 full false Summer Fun Summer Fun On this month’s podcast we chatted with Haleigh Murphy. Haleigh is the Center Manager at Centric’s Arkansas Road Center and is one of Centric's Certified Credit Union Financial Counselors. Haleigh previously served at our Ruston Center for three years before moving to the Arkansas Road location. Haleigh enjoys helping members with her team.  She shared with us on how to have fun with your family right here in our community such as Kiroli Park, Louisiana Purchase Gardens and Zoo, The Northeast Louisiana Children’s Museum, Lincoln Parish Park and more. She also shared with us about her recent family vacation to Orange Beach. 

]]> On this month’s podcast we chatted with Haleigh Murphy. Haleigh is the Center Manager at Centric’s Arkansas Road Center and is one of Centric's Certified Credit Union Financial Counselors. Haleigh previously served at our Ruston Center for three years before moving to the Arkansas Road location. Haleigh enjoys helping members with her team.  She shared with us on how to have fun with your family right here in our community such as Kiroli Park, Louisiana Purchase Gardens and Zoo, The Northeast Louisiana Children’s Museum, Lincoln Parish Park and more. She also shared with us about her recent family vacation to Orange Beach. 

]]> Centric FCU Buzzsprout-11068097 Tue, 02 Aug 2022 07:00:00 -0500 969 3 307 full false Summer Safety Summer Safety This month we sat down with  Officer Glenn Springfield to chat about having a safe summer. Glenn is the Public Information Officer at the Ouachita Parsih Sherriff's office, where he has been employed for nearly 30 years. Listen now for tips on swimming and boating safety, fireworks safety and much more!

]]> This month we sat down with  Officer Glenn Springfield to chat about having a safe summer. Glenn is the Public Information Officer at the Ouachita Parsih Sherriff's office, where he has been employed for nearly 30 years. Listen now for tips on swimming and boating safety, fireworks safety and much more!

]]> Centric FCU Buzzsprout-10862840 Mon, 27 Jun 2022 11:00:00 -0500 1927 3 306 full false Business Services at Centric Business Services at Centric On this month’s Podcast, we sat down with Centric’s Vice President of Business Development, Matt Waldroup, to discuss Centric’s benefits and Business Services.

Matt shared with us some of the great benefits Centric’s Business Services team offers. Some of these include competitive rates and terms for Business loans, business checking and savings accounts, as well as business debit and low-rate credit cards.

If you’re looking for an opportunity to expand your business and have Centric has your financial Partner, you can reach out to our Business Service’s team at 318-340-9656 or online at mycentric.org 

]]> On this month’s Podcast, we sat down with Centric’s Vice President of Business Development, Matt Waldroup, to discuss Centric’s benefits and Business Services.

Matt shared with us some of the great benefits Centric’s Business Services team offers. Some of these include competitive rates and terms for Business loans, business checking and savings accounts, as well as business debit and low-rate credit cards.

If you’re looking for an opportunity to expand your business and have Centric has your financial Partner, you can reach out to our Business Service’s team at 318-340-9656 or online at mycentric.org 

]]> Centric FCU Buzzsprout-10712802 Tue, 31 May 2022 11:00:00 -0500 1936 3 305 full false Biz Kid$ at Centric Biz Kid$ at Centric On this month’s episode of the Live Better with Centric FCU Podcast, we sat down with Centric’s Senior Vice President & CFO, Billy Joiner and Centric’s Thomas Road Center Manager, Destiny Witherington to talk about Centric's Biz Kid$ program.

Both Billy and Destiny share with us some of their favorite memories, favorite lessons, and their over all experiences with Bizkids. Centric offers free financial education for middle and high school students throughout Northeast Louisiana. To learn more about Biz Kid$ at Centric, please visit https://www.mycentric.org/bizkids/.

]]> On this month’s episode of the Live Better with Centric FCU Podcast, we sat down with Centric’s Senior Vice President & CFO, Billy Joiner and Centric’s Thomas Road Center Manager, Destiny Witherington to talk about Centric's Biz Kid$ program.

Both Billy and Destiny share with us some of their favorite memories, favorite lessons, and their over all experiences with Bizkids. Centric offers free financial education for middle and high school students throughout Northeast Louisiana. To learn more about Biz Kid$ at Centric, please visit https://www.mycentric.org/bizkids/.

]]> Centric FCU Buzzsprout-10522342 Thu, 28 Apr 2022 12:00:00 -0500 861 3 304 full false Live Better with Centric Live Better with Centric On this month’s podcast, we sat down with Centric’s VP of Mortgage Lending, Ashley Wilson, to talk about the home buying process. Ashley shares with us the many ways that the Centric mortgage team helps our members Live Better in the home of their dreams. From a first-time homeowner to those ready to build their forever home, Centric can help everyone reach their goals of homeownership. Ashley sheds truth on many myths people believe about being able to own a home. Even if you aren’t ready now to purchase a home, Centric’s Certified Credit Union Financial Counselors can help you get your finances in order and reach all of your financial hopes and dreams.

]]> On this month’s podcast, we sat down with Centric’s VP of Mortgage Lending, Ashley Wilson, to talk about the home buying process. Ashley shares with us the many ways that the Centric mortgage team helps our members Live Better in the home of their dreams. From a first-time homeowner to those ready to build their forever home, Centric can help everyone reach their goals of homeownership. Ashley sheds truth on many myths people believe about being able to own a home. Even if you aren’t ready now to purchase a home, Centric’s Certified Credit Union Financial Counselors can help you get your finances in order and reach all of your financial hopes and dreams.

]]> Centric FCU Buzzsprout-9987508 Tue, 01 Mar 2022 08:00:00 -0600 2015 3 303 full false Vacation Better with Centric Vacation Better with Centric While we are settling into the routine of colder weather, many of us are looking forward to the sunshine and freedom of summertime. To help us start planning for our getaways, we sat down with Centric’s Senior Vice President of Marketing and Member Engagement and the infamous camping queen, Kelli Green, to discuss her tips and expertise on vacationing. Kelli enjoys weekend getaways in her RV with her family and week long vacations to discover new adventures. Listen to our podcast to hear her travel tips for planning and budgeting and check out her adventures on her camping group’s YouTube page: Can’t. We’re Camping.

]]> While we are settling into the routine of colder weather, many of us are looking forward to the sunshine and freedom of summertime. To help us start planning for our getaways, we sat down with Centric’s Senior Vice President of Marketing and Member Engagement and the infamous camping queen, Kelli Green, to discuss her tips and expertise on vacationing. Kelli enjoys weekend getaways in her RV with her family and week long vacations to discover new adventures. Listen to our podcast to hear her travel tips for planning and budgeting and check out her adventures on her camping group’s YouTube page: Can’t. We’re Camping.

]]> Centric FCU Buzzsprout-9986395 Tue, 01 Feb 2022 08:00:00 -0600 3220 3 302 full false All About Credit Scores All About Credit Scores As the New Year rolled in, we sat down with one of Centric's retail managers, Glenda Augustine, to talk about all things credit scores and how to reach your financial goals this year. Glenda shares with us the advice that she shares with every person who comes to sit down in her office. We discuss what factors into having a good credit score and how building your savings can create a safety net to help. Listen now to share a laugh with us and learn more about Centric can help you build and repair your credit score.

]]> As the New Year rolled in, we sat down with one of Centric's retail managers, Glenda Augustine, to talk about all things credit scores and how to reach your financial goals this year. Glenda shares with us the advice that she shares with every person who comes to sit down in her office. We discuss what factors into having a good credit score and how building your savings can create a safety net to help. Listen now to share a laugh with us and learn more about Centric can help you build and repair your credit score.

]]> Centric FCU Buzzsprout-9913727 Wed, 19 Jan 2022 09:00:00 -0600 1580 3 301 full false Finish the Year Out Strong Finish the Year Out Strong This month we sat down with Toni Crawford from Summit Financial to talk about end of year plans and how to prepare for the new year. She shares dates to keep in mind, how to plan for retirement starting now, and how Summit Financial helps Centric's members Live Better.

]]> This month we sat down with Toni Crawford from Summit Financial to talk about end of year plans and how to prepare for the new year. She shares dates to keep in mind, how to plan for retirement starting now, and how Summit Financial helps Centric's members Live Better.

]]> Centric FCU Buzzsprout-9742132 Fri, 17 Dec 2021 15:00:00 -0600 1655 2 213 full false What to Know About Credit Cards What to Know About Credit Cards As Centric continues our Holiday Double Points promotion, we decided it would be a great time with one of Centric’s most credit-wise employees, Lori Riggin, our Assistant Vice President of Consumer Lending. Lori shares with us the knowledge she has earned over her 29 years at Centric working with our members to help them reach their financial goals and teaching them how to build and manage their credit. Lori shares reasons why we should have a credit card in our wallet and tips on how to use it so it helps us.

]]> As Centric continues our Holiday Double Points promotion, we decided it would be a great time with one of Centric’s most credit-wise employees, Lori Riggin, our Assistant Vice President of Consumer Lending. Lori shares with us the knowledge she has earned over her 29 years at Centric working with our members to help them reach their financial goals and teaching them how to build and manage their credit. Lori shares reasons why we should have a credit card in our wallet and tips on how to use it so it helps us.

]]> Centric FCU Buzzsprout-9638415 Tue, 30 Nov 2021 13:00:00 -0600 953 2 212 full false It's the Holiday Season It's the Holiday Season In celebration of the holiday season, we sat down this month with Centric’s Omni Manager and unofficial Holiday Ambassador, Kristen Shambro. We discuss ideas on how to enjoy the season and getting the kiddos in your life involved with the reason we celebrate. The magic of the holidays can make sticking to a budget difficult; but with this episode’s tips, the Holiday Gift Budget, and the Santa Bucks Envelopes, you can keep the magic without the debt rolling into the new year.

]]> In celebration of the holiday season, we sat down this month with Centric’s Omni Manager and unofficial Holiday Ambassador, Kristen Shambro. We discuss ideas on how to enjoy the season and getting the kiddos in your life involved with the reason we celebrate. The magic of the holidays can make sticking to a budget difficult; but with this episode’s tips, the Holiday Gift Budget, and the Santa Bucks Envelopes, you can keep the magic without the debt rolling into the new year.

]]> Centric FCU Buzzsprout-9490320 Thu, 04 Nov 2021 11:00:00 -0500 1623 2 211 full false From House to Home From House to Home This month we sat down with one of Centric’s Mortgage Loan Originators and our Market Development Specialist, Victoria Sullivan, to talk about the current housing market. With mortgage rates being so low right now, there are many people in the market looking to buy a new house. Victoria shares with us how you can put yourself ahead in the buying process and the ways that the Centric mortgage team can help you through the journey. Tune in now to learn more from one of Centric’s mortgage experts!

]]> This month we sat down with one of Centric’s Mortgage Loan Originators and our Market Development Specialist, Victoria Sullivan, to talk about the current housing market. With mortgage rates being so low right now, there are many people in the market looking to buy a new house. Victoria shares with us how you can put yourself ahead in the buying process and the ways that the Centric mortgage team can help you through the journey. Tune in now to learn more from one of Centric’s mortgage experts!

]]> Centric FCU Buzzsprout-9268857 Thu, 30 Sep 2021 00:00:00 -0500 2014 2 210 full false School's In! School's In! With the start of a new school year, normalcy begins to enter all of our schedules again. Routines are being set as homework is sent home and extracurricular schedules are being decided. You might find yourself rushing from one thing to the next which can make managing everything difficult. From meal time to a stretched budget, adjustments have to be made as schedules change. On this month’s podcast, we talk with Melanie Moffett to find out how she balances things for her family as the school year takes off.

]]> With the start of a new school year, normalcy begins to enter all of our schedules again. Routines are being set as homework is sent home and extracurricular schedules are being decided. You might find yourself rushing from one thing to the next which can make managing everything difficult. From meal time to a stretched budget, adjustments have to be made as schedules change. On this month’s podcast, we talk with Melanie Moffett to find out how she balances things for her family as the school year takes off.

]]> Centric FCU Buzzsprout-9110658 Mon, 30 Aug 2021 12:00:00 -0500 1172 2 209 full false Wealth Planning with Summit Financial Wealth Planning with Summit Financial Centric is proud to partner with Summit Financial to provide our members with access to experts in wealth advising, estate planning, and investing. As an additional way to help our members Live Better, you can go to any of Centric’s five locations or online at MyCentric.org to get connected with a Summit Financial Wealth Advisor. Summit Financial can assist anyone, no matter age or dollar amount. Centric’s partnership with Summit Financial comes as an added resource to reaching your financial hopes and dreams. If you’ve met with a Centric Certified Credit Union Financial Counselor and have gotten your budget and credit where you want it, you will want to continue to look towards what you want your future to hold. Summit Financial and Centric share the ultimate value and purpose of helping our community and members reach their goals and Live Better.

]]> Centric is proud to partner with Summit Financial to provide our members with access to experts in wealth advising, estate planning, and investing. As an additional way to help our members Live Better, you can go to any of Centric’s five locations or online at MyCentric.org to get connected with a Summit Financial Wealth Advisor. Summit Financial can assist anyone, no matter age or dollar amount. Centric’s partnership with Summit Financial comes as an added resource to reaching your financial hopes and dreams. If you’ve met with a Centric Certified Credit Union Financial Counselor and have gotten your budget and credit where you want it, you will want to continue to look towards what you want your future to hold. Summit Financial and Centric share the ultimate value and purpose of helping our community and members reach their goals and Live Better.

]]> Centric FCU Buzzsprout-8980724 Thu, 05 Aug 2021 13:00:00 -0500 1539 2 208 full false Choose Centric Choose Centric In this episode, we welcome special guest, Casey Messer. Casey is Centric's Training Manager and expert on all the benefits Centric has to offer our Members. This month, Casey and Carmen discuss Centric's reward accounts, online banking, MyCentric Connect Video Banking and the many other account and online resources Centric Members can benefit from. Centric proudly offers free financial wellness checks with one of our on-staff Certified Credit Union Financial Counselors. Listen now to learn how Centric can help YOU #LiveBetter!

]]> In this episode, we welcome special guest, Casey Messer. Casey is Centric's Training Manager and expert on all the benefits Centric has to offer our Members. This month, Casey and Carmen discuss Centric's reward accounts, online banking, MyCentric Connect Video Banking and the many other account and online resources Centric Members can benefit from. Centric proudly offers free financial wellness checks with one of our on-staff Certified Credit Union Financial Counselors. Listen now to learn how Centric can help YOU #LiveBetter!

]]> Centric FCU Buzzsprout-8912986 Fri, 23 Jul 2021 15:00:00 -0500 1469 2 207 full false Protecting Your Future Protecting Your Future From your loved ones to your finances, it is important to have plans in place to protect what is important to you. Making safety plans can vary depending on your personal situation, but there are some things we all can put into practice. When doing anything online, it is important to remember to be cautious of what information you are sharing and what people you are connecting with. Being open and honest with your family about what to be cautious of online is important to keep everyone safe. This also opens up the line of communication to discuss the family’s budget, financial situation, and what goals everyone wants to achieve. Being prepared and planning ahead gives everyone peace of mind and encourages everyone to work together towards the same goals.

]]> From your loved ones to your finances, it is important to have plans in place to protect what is important to you. Making safety plans can vary depending on your personal situation, but there are some things we all can put into practice. When doing anything online, it is important to remember to be cautious of what information you are sharing and what people you are connecting with. Being open and honest with your family about what to be cautious of online is important to keep everyone safe. This also opens up the line of communication to discuss the family’s budget, financial situation, and what goals everyone wants to achieve. Being prepared and planning ahead gives everyone peace of mind and encourages everyone to work together towards the same goals.

]]> Centric FCU Buzzsprout-8759093 Thu, 24 Jun 2021 16:00:00 -0500 1191 2 206 full false Auto Shopping and Financing Auto Shopping and Financing Shopping for a new vehicle and choosing how to finance it can be a stressful situation. One quick way to make it easier is to do business with someone you know and trust. When you are shopping for a new vehicle, you want to know that you are getting the best deal and the best car for you. In the same way, when you are financing your new vehicle, you want to know that you are getting the best rate for you and working with someone who can help you the most.

]]> Shopping for a new vehicle and choosing how to finance it can be a stressful situation. One quick way to make it easier is to do business with someone you know and trust. When you are shopping for a new vehicle, you want to know that you are getting the best deal and the best car for you. In the same way, when you are financing your new vehicle, you want to know that you are getting the best rate for you and working with someone who can help you the most.

]]> Centric FCU Buzzsprout-8605311 Fri, 28 May 2021 10:00:00 -0500 2223 2 205 full false Family Fun with Macaroni Kid Family Fun with Macaroni Kid April is Youth month at Centric Federal Credit Union! We are RAWRing with excitement to celebrate the kiddos in our lives and find fun ways to teach them about money and banking. Throughout the month of April, we are sharing fun, budget-friendly ideas to keep your kids entertained as the weather warms up. From Boredom Busters to summer camp, we teamed up with Macaroni Kid to learn what fun there is to be had in our community.

]]> April is Youth month at Centric Federal Credit Union! We are RAWRing with excitement to celebrate the kiddos in our lives and find fun ways to teach them about money and banking. Throughout the month of April, we are sharing fun, budget-friendly ideas to keep your kids entertained as the weather warms up. From Boredom Busters to summer camp, we teamed up with Macaroni Kid to learn what fun there is to be had in our community.

]]> Centric FCU Buzzsprout-8341086 Thu, 15 Apr 2021 11:00:00 -0500 1304 2 204 full false Relationships Relationships When spring rolls in, the weather warms, plants begin to blossom and grow, and many people start taking their relationships to the next level. Our social media feeds fill with engagement pictures, and our schedules become busy with celebrations and wedding dates. If you are one of the happy couples planning on saying “I Do,” all of the celebrations and wedding planning can cause you to forget to plan for what life will be like after the big day. Engagement season is a great chance for you and your partner to learn how to best communicate with each other and plan ahead for what you want your future to look like.

]]> When spring rolls in, the weather warms, plants begin to blossom and grow, and many people start taking their relationships to the next level. Our social media feeds fill with engagement pictures, and our schedules become busy with celebrations and wedding dates. If you are one of the happy couples planning on saying “I Do,” all of the celebrations and wedding planning can cause you to forget to plan for what life will be like after the big day. Engagement season is a great chance for you and your partner to learn how to best communicate with each other and plan ahead for what you want your future to look like.

]]> Centric FCU Buzzsprout-8127957 Fri, 12 Mar 2021 08:00:00 -0600 2166 2 203 full false Homeownership 101 Homeownership 101 Homeownership tends to be one of the big financial goals we all have, but it can sometimes seem like more of a burden then a blessing. Renting is a great option for people who know that they are not ready to commit to living in one place for an extended period of time. If you are ready to plant some roots but don’t think you are financially ready for it, you can set up a pre-qualification meeting with a mortgage loan originator who can tell you what financing options are available for you. 

]]> Homeownership tends to be one of the big financial goals we all have, but it can sometimes seem like more of a burden then a blessing. Renting is a great option for people who know that they are not ready to commit to living in one place for an extended period of time. If you are ready to plant some roots but don’t think you are financially ready for it, you can set up a pre-qualification meeting with a mortgage loan originator who can tell you what financing options are available for you. 

]]> Centric FCU Buzzsprout-7752439 Thu, 11 Feb 2021 08:00:00 -0600 1603 2 202 full false #Goals #Goals As a new year rolls in, we all have a habit of setting resolutions for things we want to change. Instead of resolutions, we should be setting goals for ourselves. Goals have a tendency to stick for longer than the first month of the year. Resolutions make us feel like if we fail then we can’t start back, but goals remind us that we aren’t striving for perfection but progress. From your financial situation to physical health, wellness goals can help you build the life you want. 

]]> As a new year rolls in, we all have a habit of setting resolutions for things we want to change. Instead of resolutions, we should be setting goals for ourselves. Goals have a tendency to stick for longer than the first month of the year. Resolutions make us feel like if we fail then we can’t start back, but goals remind us that we aren’t striving for perfection but progress. From your financial situation to physical health, wellness goals can help you build the life you want. 

]]> Centric FCU Buzzsprout-7192669 Fri, 08 Jan 2021 08:00:00 -0600 2400 2 201 full false Tax Filing Tips Tax Filing Tips Tax filing time can seem like a nightmare when it comes around, but you can make it a little easier if you prepare ahead of time. From making a checklist on what you will need to keeping things organized throughout the year, filing your taxes can be made manageable. When you are ready to file your taxes, you want to be sure you also have a plan for what you will do with your money if you get a refund. Taxes can seem like a foreign language; but if you research and ask the experts, you can file without worries.

* Centric FCU does not give tax advice; please contact a financial advisor for more detailed information.

]]> Tax filing time can seem like a nightmare when it comes around, but you can make it a little easier if you prepare ahead of time. From making a checklist on what you will need to keeping things organized throughout the year, filing your taxes can be made manageable. When you are ready to file your taxes, you want to be sure you also have a plan for what you will do with your money if you get a refund. Taxes can seem like a foreign language; but if you research and ask the experts, you can file without worries.

* Centric FCU does not give tax advice; please contact a financial advisor for more detailed information.

]]> Centric FCU Buzzsprout-6758440 Tue, 08 Dec 2020 16:00:00 -0600 1027 1 113 full false Credit Cards and Personal Loans Credit Cards and Personal Loans Your credit score says a lot about you and how you handle your money. Financial institutions, insurance agents, phone companies, and others will take a look at this score when deciding if they can trust you with their service. Knowing what factors into a credit score and how you should manage your debt can help you boost your score and increase your buying power.

]]> Your credit score says a lot about you and how you handle your money. Financial institutions, insurance agents, phone companies, and others will take a look at this score when deciding if they can trust you with their service. Knowing what factors into a credit score and how you should manage your debt can help you boost your score and increase your buying power.

]]> Centric FCU Buzzsprout-6324433 Wed, 11 Nov 2020 08:00:00 -0600 2032 1 112 full false Keeping the Holidays Budget-Friendly Keeping the Holidays Budget-Friendly The magic of the holidays is quickly blowing in, and we are all needing to prepare for the festivities. The biggest thing we have to prepare is our budgets. Budgets change during the holiday season because life is simply different during this time of year. Preparing before the rush of the holidays can take away stress and thinking outside of the box can keep costs low. You can keep the holidays magical and budget friendly if you take the time to plan before you spend.

]]> The magic of the holidays is quickly blowing in, and we are all needing to prepare for the festivities. The biggest thing we have to prepare is our budgets. Budgets change during the holiday season because life is simply different during this time of year. Preparing before the rush of the holidays can take away stress and thinking outside of the box can keep costs low. You can keep the holidays magical and budget friendly if you take the time to plan before you spend.

]]> Centric FCU Buzzsprout-5746867 Mon, 05 Oct 2020 09:00:00 -0500 1313 1 11 full false Mobile Banking Mobile Banking Mobile banking has become a necessity in today’s world. Being able to control your money from anywhere at any time has become more important than ever before. Whether from your phone or online, you can do so much more than just check your account balances. From controlling your debit and credit cards to depositing a check from anywhere, mobile banking gives you the access and control of your money that you want.

]]> Mobile banking has become a necessity in today’s world. Being able to control your money from anywhere at any time has become more important than ever before. Whether from your phone or online, you can do so much more than just check your account balances. From controlling your debit and credit cards to depositing a check from anywhere, mobile banking gives you the access and control of your money that you want.

]]> Centric FCU Buzzsprout-5553874 Tue, 22 Sep 2020 11:00:00 -0500 1070 1 10 full false Auto Buying 101 Auto Buying 101 What is debt? Debt is money owed or borrowed. Many might say there is such a thing as good debt and bad debt. What’s the difference? This podcast addresses this common question and more. Often times managing our debt can be overwhelming, but putting the right steps in place to manage your debt well will absolutely lead to debt freedom. Listen as methods and tips are shared to help you reach your goals! 

]]> What is debt? Debt is money owed or borrowed. Many might say there is such a thing as good debt and bad debt. What’s the difference? This podcast addresses this common question and more. Often times managing our debt can be overwhelming, but putting the right steps in place to manage your debt well will absolutely lead to debt freedom. Listen as methods and tips are shared to help you reach your goals! 

]]> Centric FCU Buzzsprout-5148865 Tue, 25 Aug 2020 15:00:00 -0500 1800 1 109 full false Debt: What You Need to Know Debt: What You Need to Know What is debt? Debt is money owed or borrowed. Many might say there is such a thing as good debt and bad debt. What’s the difference? This podcast addresses this common question and more. Often times managing our debt can be overwhelming, but putting the right steps in place to manage your debt well will absolutely lead to debt freedom. Listen as methods and tips are shared to help you reach your goals! 

]]> What is debt? Debt is money owed or borrowed. Many might say there is such a thing as good debt and bad debt. What’s the difference? This podcast addresses this common question and more. Often times managing our debt can be overwhelming, but putting the right steps in place to manage your debt well will absolutely lead to debt freedom. Listen as methods and tips are shared to help you reach your goals! 

]]> Centric FCU Buzzsprout-4749860 Tue, 28 Jul 2020 10:00:00 -0500 1345 1 108 full false All Things Credit All Things Credit What is credit? Why is it important? Questions like this are asked all the time. You may be wondering the same thing or even have questions like: What makes up a credit score? or How can I improve my credit? Good credit increases your buying power. With more knowledge on how to grow your score, you can save so much money. This month, our hope is to educate you further in the world of credit. 

]]> What is credit? Why is it important? Questions like this are asked all the time. You may be wondering the same thing or even have questions like: What makes up a credit score? or How can I improve my credit? Good credit increases your buying power. With more knowledge on how to grow your score, you can save so much money. This month, our hope is to educate you further in the world of credit. 

]]> Centric FCU Buzzsprout-4400210 Wed, 01 Jul 2020 10:00:00 -0500 964 1 107 full false Vacation Better Vacation Better Planning ahead for vacation will make the trip burden-free. Think of it as a gift from yourself! 

]]> Planning ahead for vacation will make the trip burden-free. Think of it as a gift from yourself! 

]]> Centric FCU Buzzsprout-3968024 Fri, 29 May 2020 14:00:00 -0500 1643 1 106 full false Financial Tips in Times of Crisis Financial Tips in Times of Crisis As we all work to stay within our normal routines in such an abnormal time, it is important to know they ways that you and your family can support our local community. 

]]> As we all work to stay within our normal routines in such an abnormal time, it is important to know they ways that you and your family can support our local community. 

]]> Centric FCU Buzzsprout-3474955 Thu, 23 Apr 2020 07:00:00 -0500 1231 1 5 full false Financial Tips with COVID-19 Updates: Stimulus Checks and Unemployment Financial Tips with COVID-19 Updates: Stimulus Checks and Unemployment As many in our community and across the country are anxiously awaiting more information to surface regrading stimulus checks, we want to provide you with the most up to date information and tips that will benefit your family's financial future. 

]]> As many in our community and across the country are anxiously awaiting more information to surface regrading stimulus checks, we want to provide you with the most up to date information and tips that will benefit your family's financial future. 

]]> Centric FCU Buzzsprout-3292255 Wed, 08 Apr 2020 15:00:00 -0500 834 1 4 full false Mortgages and Home Buying Mortgages and Home Buying Everyone's family looks a little different when it comes to buying a home. There are so many options to choose from

]]> Everyone's family looks a little different when it comes to buying a home. There are so many options to choose from

]]> Centric FCU Buzzsprout-2935738 Fri, 06 Mar 2020 09:00:00 -0600 1160 1 3 full false Savings and Debt Management Savings and Debt Management As you create a management plan to eliminate unwanted debt from your budget, set savings goals to further guide you to reaching your financial dreams! 

]]> As you create a management plan to eliminate unwanted debt from your budget, set savings goals to further guide you to reaching your financial dreams! 

]]> Centric FCU Buzzsprout-2683093 Fri, 07 Feb 2020 10:00:00 -0600 1825 1 102 full false Financial Overview Financial Overview Take a look at your family's journey along with financial accomplishments to help you set this year's goals. 

]]> Take a look at your family's journey along with financial accomplishments to help you set this year's goals. 

]]> Centric FCU Buzzsprout-2646466 Mon, 03 Feb 2020 09:00:00 -0600 1364 1 101 full false