April may be here, but we're not letting our guard down against fraudsters! While March was Fraud Awareness Month, protecting yourself against scams and cybercrime is a year-round endeavour. That's why Carla is joined by Rachel, our cyber-crime super hero and Director of Cyber Market Intelligence and Financial Crimes at Interac Corporation. In this episode, Rachel shares her insights on the creativity and adaptability of fraudsters and the lengths they'll go to get their hands on your information. From apartment rental scams to spontaneous text messages from unknown numbers, she offers practical tips on staying vigilant and what to do if you fall victim to fraud. So always remember to double-check offers, keep your personal information private, and don't let scammers be a one-hit wonder in your life!  

Today’s topics include:   

• The importance of protecting yourself against fraud and cybercrime year-round, not just during Fraud Awareness Month in March  
• Creativity and adaptability of fraudsters, and the need to stay vigilant against their evolving tactics  
• Examples of new spins on old scams, such as rental deposit scams and urgent text messages from unknown numbers  
• Tips on how to stay vigilant and protect yourself from fraud and cybercrime  
• What to do if you find yourself a victim of fraud, including reporting the incident and contacting your bank or credit card company   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

We’ve all heard of fraudsters, but do we really know how to detect a scam when we're faced with one in the moment? With March being Fraud Awareness Month, Carla is here to make sure we don't fall for fraudsters and their sneaky tricks. In this episode, she discusses the creativity scammers will go to and shares a few of the most common scams out there to beware of. From the infamous Nigerian Prince scam to phishing scams or the newer "Can you hear me?" scam, fraudsters are always coming up with new ways to trick people out of their money and personal information. Remember, if it seems too good to be true, it probably is! Tune in to this episode to learn more about the minds of fraudsters and how you can protect yourself and others from these cold-hearted snakes. 

Today’s Topics Include: 

• The importance of staying vigilant when it comes to scams  
• Breaking down the most common scams to be aware of  
• What to do if you personally fall victim to a scam  
• Tips for staying proactive against fraud in your day-to-day life 
• Knowing how to proceed with caution when something seems too good to be true   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

Wise men say that only fools rush in, and news flash: it's still Fraud Awareness Month, so let's get real about romance scams and the dangers of falling for fake love. These scammers are like Cupid's evil twin, using fake profiles to target lovestruck individuals looking for companionship. They'll use all kinds of cheesy lines and emotionally manipulative tactics to gain your trust and eventually ask for money. But don't be fooled; Carla's got some hot tips to help you protect yourself and instruct you on what to do if you do get played by one of these romance scammers. So tune in, don’t fret, and just remember that you're in control of your heart and your wallet. Stay smart, stay safe, and swipe left on those scammers! 

Today’s topics include:   

• The art of romance scams and how they work  
• Remaining on guard if someone is coming on too strong, too fast   
• What it might mean if they are avoiding video calls or meeting in person  
• Being aware of inconsistencies with spelling and grammar with your online pen pal  
• Why proceeding with caution and taking things slow is the way to go  
• Creeping and why Carla is giving you full permission to do so   
• The major red flag of online money transfer requests   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Every year, millions of hard-working, respectable citizens fall victim to fraud. From investment scams to identity theft, it’s incredibly common for it to find its ugly way into so many of our lives, and this March, in honour of Fraud Awareness Month, Carla is addressing it! Sure, it isn’t the most thrilling topic in the world, but it’s beyond necessary to discuss, and let’s face it, we could all use some help when it comes to outsmarting the pesky fraudsters out there. With an in-depth breakdown of 10 proactive tips to consider and an accompanying song (of course), this episode will empower you to become more vigilant, take your power back, and help reduce your risk of becoming the next victim.   

Today’s topics include:   

• Why determining what’s considered an unsolicited text or phone call is detrimental   
• The practice of protecting your personal information and confidentiality   
• Early fraud detection and regular credit report audits   
• Unique and strong password curation   
• How to avoid deals that seem too good to be true   
• The utilization of security software    
• Online shopping and proceeding with caution   
• The importance of practicing safe money wiring   
• What to do if you think you’ve been a victim of fraud   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

As women, our relationship with money can be incredibly complex. From wage gaps to being mothers, caretakers, and so much more, there are a variety of factors that can work against us as we attempt to financially flourish in our lives. Although the majority of these hinderances are beyond our control, there are steps we can take to improve our financial situations, and today, Carla is saying "let’s go girls" and bestowing some of that Shania energy on all the ladies listening out there. So go ahead, dust off that notepad, and prepare to turn the beat around with the top 10 essential tricks of the trade for women looking to level up their money game.  

Today’s topics include:    

• The benefits of budgeting and utilizing the fellow women in your life for accountability   
• Emergency funds and why they are beyond necessary   
• Why addressing your debt now will only benefit you later   
• Retirement savings planning and the importance of taking your future self into consideration   
• Salary negotiation and the incredible impact it can have on your financial state   
• Improving your financial knowledge and making smarter financial decisions   
• Shopping smarter, avoiding impulse purchases, and tips to cut costs   
• Side-hustle considerations and why your savings will ultimately thank you   
• Monitoring your credit score consistently and reasons to be hyper-aware of where it’s at  
• How seeking professional financial advice will help keep you on the right path   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

This week, Carla is wrapping up the month with something fresh and different! As February comes to a close, it’s the perfect opportunity for some self-reflection and personal growth, and what better way to do that than with a fun little game? If you grew up in the 90s, you A. remember what a magazine actually is and B. remember the personality quizzes found in the most popular magazines like Cosmo or Seventeen (IYKYK). In this episode, we’re shaking things up, travelling back in time to a world before cell phone scrolling existed, and playing a good old-fashioned game of "two truths and a lie." Focusing on our relationships with money, you’ll find out where you stand and have the opportunity to reflect on what is true for both yourself as an independent or for your partnership as it pertains to finances. Have fun, don't be afraid to laugh, and good luck! 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are

Let’s face it, being single in February can be a tough gig at times. You’re constantly being bombarded by all things centered around Valentine’s Day, and it can bring out a full range of emotions. On one hand, you might be feeling lonely, but on the other, you might be relieved that you don’t have to share your candy. So many sides to the coin! Another major benefit of being single is the ability to pursue your very own financial independence, and today, Carla is back on the mic to hype you up and lay the groundwork for how to approach this luxury. In this episode, she’ll be sharing the top 10 essentials to know when becoming financially independent to help you work towards living the kind of life you ultimately want to live! From budgeting, investing, debt repayment, estate planning, and everything in between, by the end of this episode, you’ll be equipped with the necessary tools, knowledge, and appropriate hype-song to financially invest in yourself for the long haul, regardless of your relationship status.  

Today’s topics include:   

• Hype songs and their powerful abilities to help you achieve your goals 
• The benefits of being aware of your current financial situation   
• Knowing and monitoring your credit score and how it will benefit you in the long run   
• How budgeting and utilizing budgeting tools is a crucial factor in the pursuit of financial independence   
• The art of saving and investing—and why your future self will thank you   
• Understanding taxes and how you can use this knowledge to your advantage 
• Debt repayment planning and why denial is not bliss   
• The necessity of estate planning and the ways this morbid concept will only positively contribute to your legacy   
• Why seeking help from a financial advisor is never a bad idea 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Well, it’s almost Valentine's Day, and the smell of overpriced flowers and chocolate is in the air! If you’re in a relationship, you know it can be a challenge to know what to do every year in order to celebrate accordingly. For some, Valentine’s Day is an elaborate date night out on the town, a trip to the spa, or going to see a movie; for others, it’s a total afterthought. If you’re stuck on what to do this year, no sweat. Carla’s got your back and is hopping on the mic this week to give you the ultimate, risqué conversation starter this V-day: money. After being in a long-term relationship herself, Carla knows better than anyone how crucial an open dialogue about money is to the health and success of any partnership. So whip out that notepad, crack that bottle of vino, and dive into the ten most juicy and essential financial questions you should be addressing with your partner. It’s time to "talk about money, baby; let’s talk about you and me!". 

Today’s topics include:   

• How to address long-term financial goals as a couple  
• Why it’s essential to set up a retirement plan 
• Monthly budgeting as a couple and how to approach it   
• The importance of emergency savings and why it’s beyond necessary   
• Addressing debt and creating a payoff plan as a unified partnership  
• Best practices for dividing and conquering financial responsibilities in a relationship   
• Opening a dialogue about living situations and solidifying a long-term plan of attack  
• Education savings and opening the conversation about your children’s future  
• Creating an investment strategy as a team and breaking down your short, medium, and long-term goals  
• Preparing for unexpected financial setbacks and expenses in a partnership   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Ah, February! The month of love. Being in 2023, we now know more than ever that love comes in many different forms. From self-love, to romantic love, it’s a many-splendored thing that we have the pleasure of experiencing in our lives. But, as a financial institution, Carla and the Tandia team have quite literally seen it all, and know that when it comes to mixing love and finances, it isn’t all sunshine and roses. Let’s be honest, no matter what kind of relationship you’re in, dealing with finances between two confident individuals comes with its fair share of challenges, and today, Carla is offering solutions on how to ease these financial bumps on the road of love, so you can be your best self both as an individual and in a partnership. Think of her as your financial love guru or therapist. From tips on communication to setting expectations and navigating personality traits, you’ll gain insight on what it takes to maintain a healthy dynamic between money and your love life so you can feel confident enough to buy yourself flowers, just because.   

Today’s topics include:   

• The benefits of open lines of communication, grace, and understanding when it comes to finances in a partnership   
• Blending finances and finding what works best for you and your relationship   
• Differences in salary and letting go of the "It’s not yours, it’s mine" approach   
• The art and importance of setting financial expectations together as a unified partnership  
• Why understanding your individual financial views, triggers, and capabilities is a relationship game changer   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

The end of January can feel both relieving and daunting all at once. On one hand, we’re thrilled to be one month closer to warmer days, and on the other, we’re feeling guilty over the new year’s goals and intentions that may have fallen by the wayside. But the good news is that February is a new month and a new opportunity to take control of your financial reality. As the great Jon Bon Jovi once said, "It’s my life, and it’s now or never" and as a closeted fan, Carla is back on the mic to help spread this powerful message and influence you to take action. She knows it can feel overwhelming to know where to start when you’re caught up in making habitual financial decisions, but much like a Peloton ride, the hardest part is just clipping in. Tune in for the gentle reminders and advice you didn’t even know you needed to get you on the right track when it comes to your finances. And remember, you can do hard things (as well as your own Bon Jovi tours)!  

Today’s topics include:   

• Financial paralysis and the overwhelming reality of having too many options   
• Finding a financial bestie to help guide you and get you started on your goals   
• Why it’s important to start with one financial habit you’d like to fix and build from there  
• The art of breaking down your big goals into smaller, more manageable goals   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are

They say true happiness comes from within, not from purchased possessions. While money may not be able to buy you eternal happiness, having the freedom to pay for basic needs and enriching experiences certainly does help. No matter how you slice it, the direct correlation between your financial well-being and your mental health is hard to ignore. On today’s episode, Carla is addressing the "domino effect" of our financial health on our overall well-being, with a spotlight on mental health in honour of BellLetsTalk Day. Her mission this week is to provide solutions to aid in your financial health journey so you can feel your absolute best in all areas of your life. Tune in for some premium financial and music therapy (obviously), and just know that you’re doing a good job. 

Today’s topics include:   

• The meaning and history of BellLetsTalk Day 
• Explaining the "domino effect" financial health can have on all aspects of our well-being  
• How people pleasing and saying "yes" to everything can negatively impact your mental health  
• Advice for guilt-free personal and financial boundary setting   
• Why addressing your debt and financial reality head-on is the most powerful tool   
• Seeking support for mental and financial health and why it’s more than okay    

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

It’s a new year, and Carla is back on the mic with a fresh new doo and a healthy dose of financial wisdom to kick things off strong on this particularly blue Monday. Every year around this time, the warm fuzziness of the holidays has faded, the resolutions have more than likely been broken, and the bills are piling up like nobody’s business. Let’s face it, January is kind of the worst. But have no fear; Carla is here to guide you through these blues and help you realistically achieve any financial and even personal goals you might have this new year. From finally breaking that debt cycle to working towards that dream vacation, this episode is all about setting you up for success. So, grab your notepad, tune in, and prepare to hop back on the financial goal wagon stronger than ever!

Today’s topics include:

• The meaning and symbolism of Blue Monday
• How to use self-knowledge to your advantage when setting goals
• Identifying the source of your unhappiness and tying it to a realistic solution
• Why focusing on small changes is critical to achieving larger and more meaningful change
• Intertwining your financial goals and intentions into your everyday lifestyle
• The importance of celebrating your accomplishments to help you refocus on your current goals

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Should an old acquaintance be forgotten in 2023? When it comes to emotional investing, that’s a big fat yes. As the year officially comes to a close, it’s an ideal time to reflect and decide what financial behaviours we want to bring into the New Year and what we ultimately need to leave behind. On today’s episode, Carla is joined by Kush, a fellow Tandia employee and wealth management extraordinaire, to tackle the complexities of emotional investing. In an economy where the market is in a constant state of flux with little clarity of what the future holds, attaching emotions to it can be a risky game and leave you in a state of financial distress. Tune in as Carla and Kush guide you with the tools necessary to navigate these emotions and keep you on track in 2023 and beyond! 

Today’s topics include:   

• What emotional investing entails and why we engage in it 
• The ways in which our emotions mirror the fluctuating market 
• How to avoid getting caught up in emotional investing 
• The danger of allowing the media to dictate our financial decisions 
• Why having a financial plan is necessary, but the execution is key 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Making a list and checking it twice... with online shopping? On today’s episode, Carla is providing the ultimate crash course in cyber safety, just in time for the holidays! We are living in a world of convenience, and shopping online has become the norm. Well, with all good things, there must be one inconvenient truth, and that truth is... cyber criminals. Yes, they do exist, they are smooth as can be, and they’ll "getcha" if you’re not careful. So tune in and get ready to own the holiday season and beyond with the tips and tools you need to combat the slimy cyber scammers out there trying to steal your joy. And most importantly, don’t forget to "stop, look, and think.".    

Today’s topics include:   

• The importance of using a safe and secure WiFi connection to avoid online scams 
• Why securing your devices and adequate password protection is beyond necessary  
• Tips to avoid being cat-fished by online travel accommodations   
• How to spot fake promotions and not fall victim to untrustworthy links   
• Best practices when it comes to gift cards and evaluating their legitimacy 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are

It’s officially the most wonderful time of the year! But let’s face it, as wonderful as the holidays may be, they can also become incredibly expensive and overwhelming. Typically behind the holly jolly parties, gifts, and baking sessions, lives credit card debt, overspending and poor financial decisions. This week, Carla is kicking off the season to help guide you and your bank account towards a more cheerful experience, so you can enjoy every moment to the fullest without getting wrapped up in overspending. From budgeting to shopping tips, there are nuggets of wisdom within this episode that will serve you for life, no matter what your financial reality may be. ‘Tis the season, friends!  

Today’s topics include:  

• The power of financial planning and creating a visual to see the whole picture  
• Financial and mental health benefits of getting your shopping done early  
• Best budgeting practices and tips for price matching gifts  
• How to stay on top of your spending during the holidays and throughout the year 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

As November comes to a close and we wrap financial literacy month up in a beautiful bow, Carla is back on the mic to ensure you’re the sharpest tool in the tool shed when it comes to understanding your financial rights as a consumer. Remember that little welcome package your financial institution provided when you first opened your account? The one you probably never opened? No shame in that game! This week, Carla is simplifying the fine print, breaking down our financial rights and key responsibilities when it comes to our roles as consumers so that we can become the finance rockstars we were born to be. 

Today’s topics include:  

• Everything you need to know as a consumer and account owner 
• Understanding hidden fees and how to approach them 
• Rights and responsibilities in terms of lending and co-borrowing 
• The importance of being your own financial advocate 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

You know they say, "Two is better than one," and when it comes to today’s episode, we’d have to agree. Carla’s back on the mic with the other half of her dynamic duo from the Tandia team, the ever-so-talented Jay Rodriguez. Tune in as the two continue the financial literacy month festivities by sharing what you should consider before borrowing money, responsible borrowing, and how to land where you belong with your credit score. With no shortage of musical talent, the Batman and Robin of podcasting will leave you with the wisdom, insight, and entertainment needed to get you through the darker days ahead.  

Today’s topics include:   

• The dangers of borrowing and accumulating too much credit   
• Capacity lending and common misconceptions of what’s considered healthy   
• Evaluating your current relationship with credit within the current economic climate   
• Best practices to increase and manage your credit score   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Frenemies...we all have them! It's a complex type of relationship that has a tendency to loom over us, often serving as a royal pain in the behind. This week, Carla is taking on the ultimate frenemy we are all familiar with in some capacity—DEBT. We understand that it’s all fun and games initially, until you actually have to deal with it and you think to yourself, "Will this be around forever?" (Spice Girls reference—IYKYK). Fear not, Carla is here to arm you with the tips and tricks you need to help combat your slimy little friend and set you up to successfully co-exist amicably for a more stable financial future.   

Today’s topics include:   

• Why you should stop your credit card craziness and start dabbling in cash payments  
• How to strategize a strong game plan and the art of prioritization  
• The importance of evaluating and reducing your monthly expenses   
• Ways to think outside the box for additional forms of income   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

In life, whether we like it or not, change is inevitable. Our daily lives are so chaotic that we typically don’t even realize our current financial picture until we’re forced to face it in times of stress. In honour of November being financial literacy month, Carla is giving it to you straight this week, providing a bit of relief and empowerment to help carry you through the uncertainty of our changing world. She’s your financial BFF after all and is here to share a few pointers, keep things relatable, take a trip down CD memory lane (remember those?!), and of course, sing her heart out.  

Today’s topics include:   

• Financial literacy month, its purpose, and what to expect  
• What’s causing Canadians' financial stress – Learn more HERE  
• How to determine your net worth and debt to income ratio  
• Ways to build the best budget for you  
• Setting realistic financial goals so you can still live your best life 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

BOO! Feeling spooked by the financial fears keeping you up at night? Fear not, because Carla has some good news...there’s hope (and lots of mini chocolate bars)! Welcome to the Halloween edition of Ask Us Anything, where we answer the questions submitted by you (anonymously, of course!) and put a spell on all the things that financially scare you. On this episode, Carla is laying your nocturnal worry cycle to rest—providing the tools and advice necessary to keep those haunting thoughts at bay. Because we all know the second "Monster Mash" comes on, it’s party time and we’re gonna need to leave those worries at the door. Happy Halloween!  

Today’s topics include:     

• How to be financially prepared for an unexpected emergency  
• Ways to feel safe in the stock market and your investment portfolio  
• Practical advice on how to tackle the fear of never-ending debt  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

You’ll say, we’ve got nothing in common, but this week, Carla begs to differ. On today’s episode, we’re jumping right back into our confessionals submitted by the Tandia community and exposing some of your juiciest financial secrets (anonymously, of course). But fear not, we can all relate to being personally victimized by an impulse purchase (or 4) at the HomeSense checkout, feeling ridiculous for leaning on your parents as an adult, and drowning in credit card debt without a clear roadmap. Whatever it may be, you’re probably doing a lot better than you think. So tune in as Carla lends a non-judgmental hand to steer you towards a more empowered financial future. 

Today’s topics include:  

• How to combat impulse buying in tempting environments 
• The long-term benefits of financial literacy in everyday life  
• The debt cycle & tips to help you break it 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Looks like we’ve made it...to 1 year of the podcast! To celebrate just how far we’ve come, in tandem with International Credit Union Day on October 20th, Carla is joined by none other than Tandia’s CEO, Richard Davies. With over 40 years of credit union experience under his belt, Richard shares the vast wealth of knowledge he’s accumulated within the field, highlighting the uniquely powerful nature of these institutions—past, present, and future. So raise a glass and let's celebrate these special milestones with an episode solely dedicated to how far we’ve come and where we’re going. Oh, and don’t worry, Carla didn’t make Richard sing...this time.  

Today’s topics include:   

• The ultimate purpose behind the podcast   
• An overview of International Credit Union Day  
• The reason "people before profits" is our tagline  
• How credit unions have been leaders in technology   
• Why banking with a credit union benefits your community   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

We are a year into the podcast (insert loud cheering here) and wanted to introduce you to that distinct voice you hear in the intro and outro of the show. If you thought it was Carla, she is flattered that you thought her voice acting skills were so incredible, but it’s not her, it’s Money! Money has been with Tandia for many years and was created to personify money, so it is less intimidating and more inviting, kind of like this podcast. This week, Carla shares the history of Tandia so you can have a better understanding of why this credit union was created in the first place and how it continues to positively impact the communities it serves. Ultimately, actions speak louder than words, and Tandia (and Carla) work hard to demonstrate that each and every day (especially Monday's). We are sure that after tuning in to today’s episode, you’ll agree with Carla and Tina Turner that Tandia is simply the best.  

Today’s topics include:   

• A history lesson in how and where Tandia got started  
• Why Tandia was formed and who originally served  
• The meaning of the word "Tandia" and how it captures the mission of the company  
• How Tandia remains accountable to the community  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Let’s get down to banking business and empower our financial futures, shall we? A new month means a new theme so Carla’s back on the mic to officially deem October as the month of all things credit unions. In honour of International Credit Union Day on Thursday, October 20th, it’s time to celebrate the beauty of these fine institutions with an informative Q&A. Because seriously, what is the difference between a credit union and a bank? Find out for yourself by simply sitting back, relaxing, and enjoying this week’s episode as Carla tackles the questions on everyone’s minds.  

Today’s topics include:  

• Why we celebrate International Credit Union Day 
• The main similarities and differences between credit unions and banks  
• Why credit unions are considered non-profit organizations   
• Reasons why you should bank with a credit union  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are 

Got a secret? Can you keep it? On today’s episode, we are getting spicy as we share some dirty little financial secrets submitted by the Tandia community, anonymously of course. We polled the audience and the cash confessions rolled in with everything from overdraft nightmares to secret Starbucks spending to going bankrupt on Botox. Think of Carla as your financial hairdresser, or whoever you divulge your deepest secrets to, and feel free to submit your cash confessional to be featured on the next episode. Trust us, keeping secrets to yourself is just too hard and way less fun!  

Today’s topics include:  

• Ways to steer clear of overdrafts and careless spending 
• Strategies for speaking with your spouse about debt and spending habits   
• Savings tips so you can keep your beauty appointments   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Life is full of financial curveballs, and while you may not be the next Babe Ruth, Tandia can certainly help you take a fair swing at your finances. On today’s episode, Carla is joined by the Vice President of Member Solutions at Tandia Financial Credit Union, Shauna Wakeman, to discuss current and future market trends. They may not have a crystal ball, but Carla and Shauna have a few educational predictions that you don’t want to miss. Remember, advice is free, so don’t be scared to reach out to your financial BFF and ask for help. 

Today’s topics include: 

• The causes of inflation and interest hikes  
• The effects of inflation on loans and investments  
• Tips to prepare for further interest rate increases   
• Advice on how to weather this financial storm 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Do you know the difference between a credit card and a prepaid card? This week, Carla is heading back to credit basics and covering the ins and outs of the variety of cards available to Canadians. She shares the important questions to ask yourself before you sign that dotted line or make a big purchase with plastic. Credit can have a whole lot of benefits when used the right way, so tune in to build your credit confidence! P.S. If you are in the market for a new card, head over to tandia.com and check out their latest campaign.  

Today’s topics include: 

• The advantages and disadvantages of credit cards and prepaid cards   
• Important things to look for in a prepaid card agreement  
• How to figure out the real cost of using a credit card and prepaid card  
• Tips for choosing the best credit card for your lifestyle   
• Why you might be denied for a credit card and what you can do about it 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

This week, Carla is channeling her inner Delilah (American radio legend) and answering all your burning questions about finances. She discusses topics such as the best savings accounts, budgeting, the recession, and TFSAs for first-time home buyers. Thanks to everyone who submitted their questions to @tandiafinancialcreditunion and if you wish you were one of those people, make sure to submit them for the next episode of Ask Us Anything. 

Carla answers your burning questions, including: 

• Which savings account is best and how much should you be saving? 
• What are the best free Canadian budgeting apps ? 
• How should couples split their finances?   
• What savings options are available in Canada for first-time home buyers? 
• How will we know we are in a recession?  
• What are the benefits of using a credit union as opposed to a conventional bank?   

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Summer has come and past. This week is the equivalent of the Sunday scaries as we bid farewell to summer and creep our way into fall. Now fall has its perks too—pumpkin spice lattes, chunky sweaters, cozy scarves—you get the idea. But fall can also bring up those financial fears you’ve been hiding from all summer. Carla has been facing her own fears, some financial and some roller coaster related, and she is back on the mic to share the five most common money concerns and how to conquer each of them. It’s time to face your financial fears head-on. You've got this! 

Today’s topics include: 

• How to plan for unexpected financial emergencies 
• Ways to face unemployment by investing in yourself 
• Alternative ways to save for the golden years 
• The options to help eliminate debt 
• How to protect yourself from the next market downturn 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Cue up the 2000’s emo playlist and layer on the black eyeliner as you dive into this emo-inspired episode about practicing responsible money habits. Carla is back on the mic to share her tips to help you prepare your finances during a recession. Take a minute to ask yourself: How much cash do I have on hand? How much debt do I have and what are the interest rates? What are my basic living costs? Do I have any major life events coming up? By asking these questions, you gain a better understanding of what you are spending today and can anticipate how you can manage this spending. After all, creating positive, healthy financial habits is never a bad thing. 

Today’s topics include: 

• Recession recap: What is it, how does it happen, and how long will it last? 
• How to revisit your budget and stay focused on your budget goals  
• Ways to negotiate your bills and manage monthly subscriptions 
• Tips to be a smart consumer of media 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Canada’s economic growth has fired on all cylinders following pandemic shutdowns, but a historic labour squeeze, soaring food and energy prices, and rising interest rates are now starting to close in. These pressures will likely push the economy into a moderate recession in 2023. But have no fear, Carla is here to explain the economic cycle and how a downturn eventually shifts to an upturn. This week, Carla focuses on the term "recession"; what it means, what causes it, and what ends it. 

Today’s topics include: 

• The definition of GDP and how it is used to assess the size and state of a country's economy 
• The factors that come into play when understanding how we end up in a recession 
• Things that push us into a recession cycle   
• The meaning and impact of inflation on the economy 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

We are nearing the end of the dog days of summer and, unfortunately, that means the temperature is dropping and reality is beginning to kick in. As summer ends and September hits, we all feel the need to get back into a routine. Today’s episode is meant to signal an awakening and inspire you to reset, refocus, and revisit your financial goals. Carla shares her favourite budgeting tool so you can confidently plan the next few months of spending and fund those fantastic future plans you’ve been dreaming all summer about. Let’s hit the September reset button! 

Today’s topics include: 

• The 50/20/30 budget tool 
• How to divide your finances into categories  
• Budget basics to get you back on track after summer spending  
• The real reason we call this time of year the ‘dog days’ of summer (not money related, but fascinating!) 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

If you could go back in time and teach your younger self a lesson about money, what would it be? Maybe you would tell them to save more money, carry less debt, or learn more about their finances. Maybe you would tell them to listen to their mom more since, as it turns out, moms do know best. Well, since we don’t have a time machine (yet), Carla is back on the mic to teach you about the most effective and innovative ways to fund post-secondary education. The future is bright and every dollar counts, so tune in to make this a time you will always remember. 

Today’s topics include: 

• The costs involved with post-secondary education apart from tuition  
• Four options to consider for paying for post-secondary education  
• How to determine which grants, bursaries, and loans may be available to you 
• Why employment or side hustles are a great option during school 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

It isn’t even August yet, and the back-to-school commercials and group chats have already begun. But, have you thought about back-to-post-secondary-school? It may seem like that day will never come, as you clean up the dirty dishes in the sink and do yet another load of laundry, but in the blink of an eye you’ll be dropping them off at university, holding back the tears. Carla is back on the mic to discuss the basics of Registered Education Savings Plans (RESPs) and how you can start budgeting and saving for your child’s future. It is no secret that post-secondary education is expensive, but remember, with a little prep work, everything’s gonna be fine, fine, fine.  

Today’s topics include: 

• Key facts you need to know about RESPs 
• What do you do if you’re late to the RESP game 
• The extra financial perks you get when contributing to RESP 
• Budgeting hacks to make saving easier 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Have you been to a kid's birthday party lately?! Picture bouncy castles, pony rides, fun parks, magicians, high-end cakes, and the list goes on. Not to mention, there’s always some elaborate theme that requires a trip to the costume shop. Now, all of these things do sound like fun, but they come with a big price tag. On today’s episode, Carla discusses the line between generosity and parenting, and how you can set realistic spending expectations with your children (life lesson alert). The moral of the podcast: don’t use money or material goodies as a shortcut for parenting. 

Today’s topics include: 

• The dos and don’ts of spending on your kids  
• Ways to reflect on your own spending habits 
• How to get out of an ineffective spending cycle with your kids  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

As of May 31, 2022, there have been over 37k reports of fraud, which has equated to 207 million dollars (yes, you read that right!) lost to fraud in Canada alone. We are wrapping up our fraud themed episodes by bringing back certified cybercrimes investigator Rachel Jolicoeur to share the top scams of 2022 and how you can protect yourself from fraudsters and catfishers. Make sure to share this episode with a friend so everyone can relax this summer and avoid getting swindled in their own backyard. 

Today’s topics include: 

• Common red flags when booking a cottage online 
• Tips to prevent being scammed in the first place 
• The meaning of job catfishing and how to spot a fake company 
• Steps to take if you’re a victim of fraud 

Find more Interac resources HERE. 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

We've got a feeling that tonight’s gonna be a good night, but with the summer jams, family vacations, and patio drinks comes the big dent in your wallet (psst... don’t tell Carla). With summer in full swing, the cost of having fun tends to build up fast (along with that sweet tan), so Carla is back with some budget-friendly tips and tricks to save your summer wallet. So lather on the sunscreen and get ready to create some of your own fun, memorable, and affordable moments this summer. 

Today’s topics include: 

• Budget-friendly family activities 
• Tips to keep your spending in good shape 
• How to avoid the dreaded “boredom” 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

In today’s dating world, finding love is right at your fingertips. One swipe could change everything! Millions of people have had success on dating apps, but with success comes scammers. According to the Canadian Anti-Fraud Centre, romance scams were responsible for the second highest amount of fraud related dollars in 2021. But do not fret, Carla is back on the mic to make sure you swipe left on the tinder swindlers and avoid financial heartache. You deserve to find love and keep your money safe too. 

Today’s topics include: 

• Online dating scam red flags  
• Ways to spot a romance scam   
• How online scammers gain trust 
• What to do if you’re a victim of a romance scam  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Life with plastic is fantastic when our debit and credit cards are safe. Savvy scammers are always looking for new ways to distract us from what they are trying to accomplish – stealing from our precious bank cards. Carla is back solo on the mic in today’s episode which is all about how to avoid getting psyched out when trying to protect your plastic and how to assess your situation to better understand when to give out debit or credit card information.  

If your gut is telling you that something is off, just don’t share! 

Today’s topics include: 

• What kind of tactics you can use to protect your debit and credit cards 
• How to protect yourself by better managing your plastics 
• Your best defense mechanisms against savvy scammers 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

Technological advances are great, but danger lives online and cyber-crime is at an all-time high. Clever online fraud sometimes makes us wish we could go back to a simpler time in the '90s. Today’s episode is all about how to keep you and your money safe from those pesky online criminals, and some tips on the steps you can take to keep everything well protected. If you don’t know, just don’t click! 

Today’s topics include: 

• What kind of dangers lay online 

• How to protect yourself against fraud 

• Your best defense mechanisms against identity theft 

As mentioned in this episode, for more information please visit the Canadian Anti-Fraud Centre at centreantifraude.ca/">antifraudcentre-centreantifraude.ca 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Since the beginning of the pandemic, so many of us have turned to online services and devices to carry on our daily activities, making it more important than ever to remain vigilant. You just never know who's on the other side of the screen! It can definitely be a scary thing, so Carla brought in the Director of Fraud Mitigation and Strategy at Interac Corp, Rachel Jolicoeur, to shed light on how we can better protect ourselves against savvy online scammers. They share tips on how to be more conscious of what we’re posting on social media, how to be your own line of defense, and how to deal with fraud fatigue. By the end of this episode, you'll know exactly how to fight against the digital bad guys. 

Today’s topics include:  

• Common online scams and ways to recognize them 
• How to create a secure password and online tools to keep them safe 
• The importance of not over-sharing on social media 

Find the digital check up HERE! 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

If you remember dial-up, cassettes, VHS tapes, and only being able to access the internet from the library, chances are you’re a Millennial or Xennial (yep, there’s a new generation in town). This is an optimistic and cooperative group of humans that are committed to building a better world, and Carla is back on the mic to share a way to do just that. Today’s episode is all about socially responsible investing and how you can be a part of the change. Let’s face it Xennials and Millennials, it’s up to you to assume the responsibility of making a lasting positive impact on the future and, the best part, you can do it while listening to that vintage Dance Mix ‘95 CD! 

Today’s topics include: 

• The common themes and goals of socially responsible investing  
• How to begin building a socially conscious portfolio  
• The meaning of community investing  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

The theme this month is planning for your future, and Carla has touched on a variety of ways to set yourself up for financial success (psst go listen to last week’s episode). But, there is a slightly more morbid piece to the financial puzzle that cannot be overlooked. On today’s episode, Carla welcomes tax and estate specialist Doug Carroll to discuss the do’s and don’ts of estate planning. Doug walks listeners through the process and planning of an estate and shares tips to make the experience a little less stressful. Far too many of us put this incredibly important process off until we are older, so tune in to hear how you take care of yourself and your loved ones today, tomorrow, and beyond. 

Today’s topics include: 

• What estate planning means and what’s involved 
• The pros and cons of creating a will online 
• Why people procrastinate and small steps to begin the process 
• Probate myths 

Learn more about Doug Carroll HERE 

Register for the 2022 Wealth Webinar - From Estate Planning to Estate Do-ing 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

We get it. You’re having the time of your life and don’t want to think about getting older, let alone retiring. It’s hard to even imagine that retirement is approaching, but instead of dreading it, let’s dream about it. What kind of fabulous lifestyle would you like? Are you hopping on a plane to Florida with the rest of the snowbirds? Perhaps you’re content in your garden, picking herbs for tonight’s dinner. See—not so bad, right? Carla is back to shed a positive light on retirement and help you plan for your ideal future. We may not have a crystal ball, but we can certainly guide you in building your retirement foundation, so no matter what, you’re prepared. So go on, live your best retired life! 

Today’s topics include: 

• How to anticipate your future retirement needs 
• Ways to plan your monthly spending 
• How to set yourself up for retirement sooner than later 
• Compound interest and how it relates to your future 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

It’s Mental Health Week and the theme is empathy. You may be wondering how this relates to your finances, but with the increasing level of financial demands being put on individuals, it’s incredibly important to practice empathy for yourself and others. When it comes to money and mental health, we put an enormous amount of pressure on ourselves and sometimes equate our self-worth with our bank accounts. Carla is on the mic to support you this week and offer tips for exercising self-compassion when it comes to your finances. She also shares ways to become an active, empathetic listener so your loved ones feel less alone when discussing their financial picture. So, put on your listening ears and remember, before your weigh in, tune in. 

Today’s topics include: 

• Tips for practicing financial empathy  
• When to use tough love and when to back off  
• Ways to actively listen without judgment  

You can find more mental health resources at mentalhealthweek.ca. 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

With Covid restrictions lifting and the world reopening, travel is back on the table and top of mind for a lot of people. It certainly can feel daunting though, so Carla brought in travel blogger and expert Marisa Mercanti, to inspire (and prepare) you for the next adventure. Whether you are flying solo, with friends or with family, Carla and Marisa have travel hacks to make the experience a little less stressful. They share tips for travelling with young ones, gadgets for the ultimate experience, and a few perks you may have missed in the past. Marisa’s blog, The Daydream Diaries, is packed full of insight into the best cities and hotels as well as fitness, wellness, and parenting tips. 

Today’s topics include: 

• Tips for traveling with kids at every age 
• Budgeting tools and platforms to reduce travel costs  
• Ways to swap gifts for experiences  
• Family friendly destinations and activities

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. Follow Marisa on Instagram @thedaydreamdiaries. 

We all know that dreaded feeling when you’re out with friends and that second expensive bottle of wine is ordered for the table, or when an invite to another bachelorette party in Vegas pops up in your mailbox. But it just isn’t in the budget. Money is a huge part of our social lives, but sometimes that destination wedding just isn’t in the cards. Carla is back to share and explore a few ways to make those uncomfortable financial conversations a little less painful and a lot more empowering. Just because the conversation is awkward doesn’t mean it’s not worth having so, make that power pose in the mirror, toss on some Rhianna and get to it!    

Today’s topics include: 

• Ways to reframe conversations about money  
• How to set social spending expectations 
• Tips to help plan accessible activities for everyone 
• The importance of prioritizing your own financial well-being  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Are you ready to purchase a home? Before you jump the gun with your answer, Carla is back with some home ownership facts that will make your decision even more clear. There are many fears associated with buying a home and with housing prices soaring, it is more important than ever to review your current financial picture and set goals for the future. Carla discusses the not-so-fun costs associated with home ownership and shares steps to get you closer to that dream home you’ve been eyeing on MLS. So, are you ready?  

Today’s topics include: 

• The two affordability rules  
• Different types of mortgages and how to qualify 
• The mortgage stress test  
• Upfront and ongoing costs of home ownership 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

How can you begin to forge a positive and beneficial relationship with credit cards? Glad you asked! Carla is back to break down the fundamentals of credit cards so you can understand the ins and outs of those powerful pieces of plastic and make an informed decision when choosing the card for your financial future. Today’s episode will help save you time, money, and aggravation, and get you on your way to getting good credit and building up those rewards points. PSA: The more you know, the better off you are.  

Today’s topics include: 

• What types of credit cards are available  
• How to choose the right card for your goals  
• The four main types of rewards programs  
• Interest, annual fees and spending limits 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Word on the street is this past month was the Bank of Canada’s interest rate overnight hike, but do not fret, Carla will be your Wonderwall to guide you through these unprecedented times. Thankfully Carla isn’t an imaginary friend, like Noel Gallagher sings about, and she is behind the mic to help save you from your thoughts as you read the lasted headlines about the overnight rate hike. But, what do these headlines even mean and how will it affect your financial future? On today’s episode, Carla teaches a crash course in economics so you don’t have to think all the way back to high school, and she breaks down the roles and responsibilities of The Bank of Canada. Let’s cross our fingers and toes that precedented times are making a comeback soon!  

Today’s topics include: 

• The meaning of inflation and how it affects your life 
• What is an interest rate overnight hike 
• Supply and demand 
• Savings strategies and debt consolidation 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Let’s take a trip down millennial memory lane...CD wallets, ultra-thin eyebrows, Modrobes, Bobby’s World, flip phones, The Price Is Right, Dance Mix 95, and the list goes on. As a generation, we have most certainly made our mark, but we are facing an uncertain economic future that is unlike any previous generation. With the price of gas and houses on the rise, it feels like a financial tornado is on the loose, so what can we learn today that will help us tomorrow? Carla is back on the mic to discuss the spending habits of millennials and what impacts their financial decisions. Plus, she explains millennial investing trends and how you can have your avocado toast and eat it too.   

Today’s topics include: 

• Key economic factors for millennials 
• Workplace habits and new must-have guidelines 
• The challenges of a generation who grew up using encyclopedias  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

It’s Women’s History Month and this year’s campaign is all about breaking the bias. The role of women in finances has most certainly evolved over the years and there is no doubt women are slaying the financial game while also keeping up with the Joneses. But, there is still some way to go and bias very much present when it comes to finances. One example of this is the pink tax, which is a system of discriminatory pricing on products and services based on gender. On today’s episode, Carla discusses ways to fight back against this tax and collectively help break financial gender bias. So, if you’re getting revved up reading this, throw on some Destiny’s Child and keep shattering those ceilings one bit of knowledge at a time. 

Today’s topics include: 

• What is the pink tax and how to avoid it? 
• How to spot the gender bias in finances 
• Shopping tips to save money  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Spring is in the air. The birds are chirping, the flowers are blooming, the days are longer, and your savings have been growing...right? So as you clean out your closet and pump up the tires on your bike, why not revisit those financial goals you set for yourself at the beginning of the year. Carla is back to make that process a little less painful as she shares her ten most common money mishaps to help keep your financial goals on track so you can focus on living your best life. 

Today’s topics include: 

• Financial fluff vs. financial fact 
• Ways to stop overspending  
• Tips to stick to your financial plan  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Let’s not beat around the bush — debt sucks! If you’ve accumulated some debt, you are far from alone and your banking BFF Carla, is back on the mic to help you take back control and feel empowered when making financial decisions. She wants you to give a hoot about that debt, whether it’s good or bad, and walk away from today’s episode with actionable steps to break the debt cycle. Stop the blaming and shaming game and instead offer yourself a little self-compassion as you create a plan — debt by debt (cue New Kids On The Block).    

Today’s topics include: 

• Good debt vs. bad debt  
• Ways to break the debt cycle  
• Creating a realistic plan to become debt-free 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Today’s episode is all about the people. Tandia polled the community to learn what financial terms they should know, but don’t. You’re not the only one to toss a few buzz words around the dinner table without fully understanding their meaning, but don’t worry — your secret is safe with Carla. She breaks down common financial acronyms, home buyers plans, demand loans, and finally puts that high school math class about compound interest to good use.  This is the perfect episode to build your financial toolbox that no one will ever know you listened to.   

Today’s topics include: 

• The meaning of GIC and POA  
• The difference between amortization and term of your mortage 
• How to calculate and understand compound interest 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

You may be asking yourself, “what’s love got to do with your finances?” Carla is back for a Valentine’s Day special to discuss financial compatibility, how the five love languages can help your bank account, and of course, cinnamon hearts. We all know money can be the leading cause of stress in relationships but Carla is here to teach you how to communicate openly and honestly with your partner as you hit those major romantic milestones. It’s all about operating as a unit to tackle those big and small financial goals and remember, you always have your banking BFF for support because there is no “I” in team. 

Today’s topics include: 

• Financial red flags in a relationship 
• How to make major money decisions with your partner 
• Understanding your partners financial love languages  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Chances are if you have kids, that you’ve heard the long list of dos and don’ts when it comes to parenting, but did anyone prepare you for the ongoing price tag that having kids can bring?! As a mother herself, Carla has experienced the financial ups and downs that come with raising a family, and after her third, she has learned a thing or two about planning for the present and the future. On today‘s episode, Carla shares tools and tactics to create positive spending habits with your children no matter their age and ways to open up the dialogue surrounding money empowering your kids to make smart financial decisions as they grow up and eventually leave the nest.

Today’s topics include: 

• Ways to set financial goals with your kids 
• The various tax benefits available to parents 
• How to teach healthy spending habits through grocery shopping 
• Tips to begin the financial conversation with kids of all ages 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Every week Carla helps you focus on your financial picture as a whole and today’s episode is no different as she dives into the structure of savings plans. Now, the good news is there is still tons of room to have fun as you build your own savings pyramid and begin to hit those financial goals you set at the beginning of the year. Whether you are planning a trip to Hawaii or you’re finally going to buy that boat, Carla has a strategy to do just that while also building a solid foundation for your long term investments. Use this episode as a sign to begin building your very own savings pyramid with goals that get you excited and remember that a triangle is the most supportive shape so you’ve got yourself covered. 

Today’s topics include: 

• The various types of savings accounts and how to use them to your advantage 
• The benefits of an RRSP 
• The reasons you should open a TFSA 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

This week is all about digging a little deeper into financial health and opening up the conversation regarding mental health, money, and how the two are related. Carla welcomes Registered Psychotherapist, Clinical Supervisor, and the owner of Dig A Little Deeper, Christina Crowe, to the podcast to discuss the connection between your bank account and your overall well-being. They dive into the types of emotional relationships people have with money, how your upbringing can affect your financial health, and realistic goal-setting strategies. If you are worried about money, Carla and Christina want you to know that you are not alone and there are a variety of resources available to help combat financial stress. Change doesn’t happen overnight but there are tools to help guide you in the right direction to begin your own journey of digging deeper.  

Today’s topics include: 

• The link of mental health and finance
• How to begin speaking to your kids about money 
• Tactics and strategies to help cope with financial anxiety 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. Follow Christina on Instagram @digalittledeepertherapy. 

Additional Resources  

1. Canadian ADHD Patient Advocacy Group (CADDAC)  

2. Dig A Little Deeper Website and resource-page.html">ADHD Resource Hub  

3. with-financial-stress.htm">HelpGuide - Coping With Financial Stress 

4. Financial resources specific to ADHD:  

·       https://chadd.org/for-adults/managing-money-and-adhd-money-management-schedule/ 

·       https://chadd.org/adhd-weekly/more-month-than-money-apps-to-help-with-money-management/ 

·       https://psychcentral.com/lib/how-to-overcome-common-financial-pitfalls-when-you-have-adhd#1 

You may be feeling like you have lost a little faith as 2022 unfolds a bit differently than we had all hoped for, but Carla (and Sting) are here to help keep the faith alive. You are not alone in the feelings of overwhelm and stress that arise this month, and professionals have actually coined today Blue Monday. But have no fear, your banking BFF is here to help you shift your mindset, take charge of your finances, and avoid the Monday blues this year. On today’s episode, Carla discusses the importance of understanding your credit report and ways to raise your credit score in a few simple steps, and explains what all those complicated terms on your report even mean. A positive outlook could very well be the miracle remedy you’ve been searching for on this Blue Monday so cheer up buttercup, and go check your credit score! 

Today’s topics include: 

• How to understand and improve your credit score 
• What is and isn’t on a credit report 
• Hard and soft credit inquiries 
• The credit scoring system  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

Investing is one of the hot topics for 2022 and Carla is here to let you in on a financial secret: you don’t need to be rich to invest! While The Wolf Of Wall Street is a fantastic movie, it isn’t a realistic depiction of what investing is like for the average person and shouldn’t intimidate you from getting started on your investing journey today. Carla welcomes your newest banking BFF and Director of Wealth Management Services at Tandia Financial Credit Union, Russ MacKay, to discuss investing basics and bust some common myths. This episode covers everything from diversification to building an investing portfolio to the impact of inflation. It doesn’t matter how old (or young) you are or whether you have one hundred or one million dollars; there is no time like the present to start confidently investing and saving for those amazing 2022 goals. 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Let’s kick off 2022 in turbo savings mode with better days and deeper pockets. There are so many benefits to becoming financially healthy, so why not start the new year right by setting some financial resolutions that are going to make your 2022 self impressed. Carla is ringing in the new year by sharing her top 10 easy and attainable financial goals that will leave your bank account in great shape. This is your signal to finally start that budget and send those healthy spending habits into high gear. 

Today’s topics include: 

• How to make long-lasting financial resolutions  
• The importance of reflecting and goal-setting 
• Ways to up your financial game  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

You've likely heard the word cleanse quite a bit as 2022 approaches and you’re probably visualizing a ginger, turmeric shot or a big glass of green celery juice. Well, just like your body deserves a health reboot from time to time, so do your finances. Carla is challenging you to a 2022 financial cleanse to shock your system and to help you start meeting your new year monetary goals. She discusses how to utilize a spending fast, how to differentiate between necessary and unnecessary expenses, and why you should replace the cards with cash. So, cue the Queen theme music and get pumped up because nothing can stop you now after you commit to the 2022 financial cleanse challenge.   

Today’s topics include: 

• The benefits of a financial cleanse  
• 6 financial challenges to start the year strong  
• Ways to get a handle on your debt using the snowball method 
• How eating habits affect savings goals 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.

Carla is flipping the script today with an episode dedicated to how to online shop safely, and this one is packed full of tips to combat all those scams out there. Let's face it; with the holiday season in full swing, cyber criminals are ready to pounce at any chance to steal your information and tap into your bank account. Whether it’s a fake online store, a phishing email, or a text message scam, it’s more important than ever to secure your accounts and protect yourself and your money. Diligence is key this holiday season and unfortunately, if it sounds too good to be true, it probably is. 

Today’s topics include: 

• · Ways to spot fake online stores 
• · Gift card and cyber text messages scams 
• · Phishing emails and apps to track online purchases 
• · What to do after being scammed

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

If you become a victim – Notify  

• · Inform the local police 
• · centreantifraude.ca/report-signalez-eng.htm">Canadian Anti-Fraud Centre 
• · Crime Stoppers 
• · bc.nsf/eng/00157.html">The Competition Bureau 
• · Contact your credit reporting agencies TransUnion and Equifax 

Monday’s suck — period. But there is one Monday per year that triumphs the rest, where your Christmas shopping bills pile up, the days are shorter and darker, and you’ve probably been shovelling snow all day. This is the inevitable and oh so gloomy Blue Monday. But don’t fret, Carla is back with another episode to brighten the Mondays ahead and help you avoid the dreaded holiday debt hangover. She is sharing her five tips to battle the Blue Monday blues and turn the saddest day of the year into a great one.  

Today’s topics include: 

• Blue Monday budget tips 
• Credit card repayment strategies 
• How to create seasonal goals 
• Long term savings plans  



From Carla and Tandia — have yourself a merry, merry Monday. 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

This week’s money mindset arrives just in time for the busiest and most expensive time of the year. It’s a simple, two letter word that can keep you on track and make room for a future of “yes”. “No” can be a hard pill to swallow but it is one of the keys in your journey to financial freedom and a less stressful holiday season. If you suffer from a bit of FOMO, like your host Carla, this episode is filled with ways to still have fun without breaking the bank. 

Today’s topics include:  

• S.M.A.R.T Goal Setting
• Ways to say “no” without missing out or hurting anyone’s feelings
• Tips to put yourself and your savings first 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

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Undoubtedly, the holidays will be very different this year. After grieving the inability to spend time with loved ones last year, there is more pressure than ever to go all out for Christmas. With all that spending comes a whole lot of stress, mental overload, and exhaustion. But what if there were tools to avoid Blue Monday and create a budget-friendly Christmas? Carla is joined by Canadian content creator, Libby Ward of Diary of an Honest Mom, to share some comforting advice to help manage holiday expectations and create traditions that make sense for your family. The goal is to look inward instead of outward this year and let go of the urge to compare because Christmas is whatever YOU make it.  

Today’s topics include: 

• Tools to stay on budget over the holidays 
• Tips to even the spending playing field over Christmas 
• Strategies to relieve the mental load and pressures on mothers this holiday season 
• Ways to avoid Blue Monday and the horrible January shopping hangover 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Find out more about Libby here: 

 The Honest Mom (Libby) (@diaryofanhonestmom) • Instagram photos and videos 

 Breaking Cycles of Generational Trauma – Diary of an Honest Mom 

 The Honest Mom (@diaryofanhonestmom) TikTok | Watch The Honest Mom's Newest TikTok Videos 

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We just got paid and it’s Friday night... now what? Carla is back and shouting NSYNC from the rooftops in the hopes that you’ll tune in and learn a thing or two about managing your money after pay day. Now you may be thinking, “I should just make more money on each pay cheque!” But, what if there were simple, attainable solutions that could relieve some of that pay day stress? This episode is packed full of financial tips to help you rip off the banking band aid and bring the happy dance back to pay days. 

Today’s topics include:  

• Pay cheque budgeting 
• Wealth principles 
• Weekly money routines 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

item.html">Secrets Of The Millionaire Mind: Mastering The Inner Game Of Wealth 

If you’re listening to this episode, take it as a sign to make a change and start living with intention when it comes to your finances. Your banking BFF Carla is back to discuss the different types of bank accounts and how your money could better serve you in the long term. From chequing to savings to the golden years, Tandia has got you covered and is here to ensure your finances are working in your favour.

Today’s topics include:

• Positive financial habits
• How to adapt an existential mindset with money
• The types of bank accounts you should have 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Finding a balance between indulging and spending responsibly isn’t always easy, but the good news is that understanding the type of spender you are can help you make better financial decisions and that’s exactly what Tandia and Carla are here to do. Carla is back on the mic to share some fascinating quiz results that will transport you back to the days of reading Seventeen magazine and listening to Backstreet Boys. Creating money mottos you can live by has never been easier and your future self will forever thank you.

Today’s topics include:

• Spending triggers
• Healthy money habits
• Setting up savings goals 
• Nostalgic magazine quizzes

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are. 

Online Quiz - What kind of spender are you? 

What's your current financial status? Is it where you want to be? If this question is making your palms sweat a little, then this is the episode for you. Carla is back with another round of financial real talk and money myth-busting that will help put you in the driver's seat when it comes to your finances. She is here to remind you to take it easy on yourself and empower you to put on that superhero cape so that you can make strides towards your new and improved financial health. On today’s episode, Carla reveals three simple steps to make your journey a little more approachable and a little less stressful. She also shares how you can reclaim your financial freedom and start making room in your life (and your bank account) for the things you truly want. There is no shame in asking for help and Tandia wants to be the Robin to you Batman (cue superhero theme music)! 

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.  

Oldies Batman Clip - https://www.youtube.com/watch?v=myU81w93Uu4&authuser=0 

The time has finally come to make money more relatable and give the power back to the people to make knowledgeable decisions when it comes to their finances. On today’s episode you’ll meet your new banking BFF Carla, who‘s on a mission to make the world of banking a little less intimidating and a bit more fun. You’ll hear more about why Tandia Financial Credit Union may be the right fit for your banking needs and how some very small changes can completely alter your financial landscape. Carla offers approachable advice that will help you find balance and comfort in your life while still enjoying that overpriced (and very delicious) avocado toast. So listen closely for steps you can implement today that won’t break the bank — or your brain.  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.