Cashology by FNBO

In this episode of the Cashology Podcast, Justin sits down with Esmé Ramos, a seasoned banking professional with 16 years of experience, to discuss effective strategies for managing student loan debt. Drawing from her expertise as a branch manager of one of FNBO's busiest locations, Esmé shares seven practical approaches to tackle not just student loans, but any type of loan debt. The conversation...

In this episode of the Cashology Podcast, Justin welcomes Keri Mallory, Branch Manager at FNBO, for an insightful discussion on a foundational financial concept: net worth. Keri breaks down what net worth is, why it’s important, and how to calculate it by understanding your assets and liabilities. She also shares real-life examples to show how tracking your net worth can serve as a financial compa...

In this episode of the Cashology Podcast , Justin sits down with Julia Conover, Branch Manager at FNBO, to discuss a simple yet powerful budgeting tool: the 80/20 rule. Julia walks us through how this method prioritizes 20% of your after-tax income for savings, while the remaining 80% covers everything else. This flexible approach to budgeting can be easier to follow than the more detailed 50/20/3...

In this episode of the Cashology Podcast, Chris Turner, FNBO's Community Reinvestment Act officer, joins us. Chris shares her extensive background in banking and her passion for teaching financial literacy, driven by her experiences as a mother and professional. She discusses the concerning state of financial literacy in the U.S., highlighting a statistic that two-thirds of American adults can't p...

It’s time to discuss meal planning with Elyse Lyons, the Savvy Sagittarius. Elyse, celebrated for her no-spend challenges, shares her expertise in meal planning, which she describes as a crucial step toward financial wellness. She explains how meal planning not only helps to reduce grocery bills—one of the most flexible parts of anyone's budget—but also significantly cuts down food waste and preve...

In this Cashology Podcast, Justin welcomes back Elyse Lyons, also known as The Savvy Sagittarius, to discuss the empowering concept of "No Spend Months." Elyse shares her unique approach to these financial challenges and discusses how no-spend months have not only boosted her savings but also enriched her life by encouraging more meaningful engagements with family and friends. Throughout the episo...

In this episode of the Cashology® Podcast, Justin is joined by Elyse Lyons, also known as the "Queen of the No-Spend Months" and the creator behind The Savvy Sagittarius. Elyse shares her compelling debt-free journey, revealing how a simple need for a vehicle spiraled into $34,000 of debt, which she resolved through relentless dedication, including multiple jobs and side hustles. As a single mom a...

You’ve heard of the five love languages: words of affirmation, physical touch, acts of service, quality time and gifts. We might use them all, but everyone has a dominant way they relate to others. Everyone has a dominant way they relate to MONEY, too. Their ‘money personality,’ if you will. This could be learned from our parents or formed by our own life experiences. Learning about your money per...

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

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

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

The research shows it – older people manage to stay happier during tough times. Once you turn 50, your ability to cope with life and all its challenges is at its height.  One of those challenges can be managing your money. Another might be keeping your retirement plan on track. It takes some discipline and some stick-to-itiveness. So today we’re going to offer some helpful reminders to those in th...

So you’re in your 30’s now. It feels like all the fun is over. You’re starting to go to bed on time. You don’t know why, but part of you actually enjoys going for a run or a yoga class every day. And you’re eating right…most of the time. But then there’s the hard part of your 30’s. Getting serious about money.  And it’s the perfect time, too. You’re entering the prime years for building wealth and...

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

Having a baby can be one of the most exciting and anxious times in your life. Exciting because you’re growing your family and bringing a new life into the world. Anxious because parenthood brings with it a lot of unknowns. One unknown that often gets overlooked – how having a baby will impact your family financially? So let’s talk about that in this episode and see if we can relieve at least some...

Buying a new home, especially for a first-timer, can be intimidating. Saving up for a down payment, finding a real estate agent who works with buyers – and then there’s all the paperwork and documentation. There’s a lot to consider and pull together. You might worry about making a mistake. But there are people ready to help all along the home loan journey, like your mortgage loan officer, who can...

Banks play an important role in their communities. Yes, banks provide financial products & services for individuals for businesses, but what else do they do? When a bank is truly in tune with its customers, employees and community partners, they do a lot more than checking and savings accounts, mortgages and business loans. A bank that is fully-engaged impacts a community on multiple levels and he...

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

Times are changing, and people are finding new and inventive (or profitable?) ways to make a little side cash. Some are paid bridesmaids. One man in Japan gets paid to be a friend for a day (no word on if he springs for the check at lunch).  If you’re thinking about taking up a side hustle, you’re not alone. Surveys show that nearly one in three Americans have a side hustle of some kind and a lot...

Chances are you’ve noticed prices going up. At the gas pump, at the grocery store, everywhere. Whether you’re shopping for clothes or for a new home, the price of everything seems to be going up.  While experts predict the rate of inflation to eventually slow, that doesn’t mean prices will ever come back down. So what are some smart ways of coping with inflation? We ask FNBO’s Dustin Elkins, a vet...

Ever feel like you just have too many bills? Like debt is stacked up and coming at you from all sides? If so, then this might be the episode for you. We’re going to talk about consolidating your debt: taking all your outstanding debt and rolling it up into a single payment every month. A lot of people do it and they save some money in the process. Join our host, Juli Wians, and guest Kelley Hill a...

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New Year’s Resolutions – we all make them. To lose weight, exercise, eat right or to improve some other aspect of our lives, whether it’s to find a new relationship or to find a new job. The big one used to be to stop smoking but maybe that’s given way to a new one – to stop vaping? Another popular resolution is to improve our finances, and that’s what we’re going to talk about today – how we can...

Identity theft. Fraud. Most of us believe it can’t happen to us. But really it can happen to anyone, anytime. Anywhere from 7% to 10% of US consumers are victims of identity theft or fraud every year. And this can have such a negative impact on our lives and financial health, lowering our credit scores and costing us hundreds or even thousands of dollars. So how do can we protect ourselves against...

There is nothing like starting your own business. It has its advantages, such as control over decisions, future financial upside, and the pursuit of a dream creating a business around a product or service you truly believe in. There is also the challenge side: the owner is on the hook for any shortfall or miscalculation.  So having a plan and a viable offering are very important.  If you’re thinki...