Cashology by FNBO

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

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

The term ‘financial planning quarterback.’ It has become a bit of a cliché.  Sometimes it refers to having a financial advisor as your financial planner.  Sometimes, and this seems to be growing in popularity, it refers to how you can be the Quarterback of your OWN finances. And that’s what we want to talk about in this episode.  But how do you start? We’ll talk about this exact question in this e...

Credit cards. Convenient, for sure. And a quick way to build good credit, if you use them wisely and pay your credit card bill on time every month. And that’s what we want to talk about today. Understanding credit cards, picking a good one for the way you want to use it and managing it…rather than letting it manage you. We’re calling this Credit Card 101. And it’s a great topic for anyone starting...

It’s never too soon to build good habits around money and, while your 20s may seem like the time to have fun and too early to get serious about things like retirement, the habits you develop now can have long-lasting impact on your quality of life and financial freedom. We’re going to take a look at four healthy financial habits to start practicing now – controlling spending, saving regularly, bui...

The extra paycheck month. Oh, those are nice months. They help you catch up a little bit. Maybe pay off a bill or put a little extra away in savings? Or…splurge on something you want. But how can you make the most of your money, all year round, so that you’re not waiting on that extra paycheck to make things right? Today, Juli and our guest, Michaela Dombroski help us learn about building a little...

Home improvement projects – they can add real value to your home. But more than that they can help you fall in love with your home all over again. Remodeling the kitchen or adding a bathroom are some common home improvement dreams. Things like energy efficient windows or insulation sound boring but can add a lot of value, too.  The question is how do you pay for them? That’s what we’re going to ta...

People are doing everything online these days – staying in touch with friends, checking the news, shopping, and banking. Our money, like so many other aspects of our lives, is now mobile. Today, consumers shop more on their phone than they do in-store. And nearly three-quarters of consumers bank online and/or use mobile banking apps. So how do we keep our money safe online? That’s the question for...

Who listening right now is SURE they will be financially ready to retire? Show of hands? Most of us might feel a little uneasy about raising that hand. But, no matter where you are on the road to retirement, there are a few key steps you can take to get you back on track.  Juli discusses these key points with this episode’s guest. Listen here and follow @CashologybyFNBO® on YouTube for more!  

What makes a happy marriage? Love, commitment, trust, communication? We could do a lot of podcasts trying to answer that question. But researchers find that one of the keys is being on the same page about money, about how to manage money and family finances. And it’s something that a lot of newlyweds don’t consider before tying the knot. So what are some good tips for newlyweds – or for that matte...

What is a financial advisor exactly? What do they do? And should you be working with one? Those are some of the questions we’ll be tackling in this episode. Keep in mind – there’s a financial advisor available for every budget and financial situation. You don’t have to have a ton of money to be working with one. So, if we want professional help with our finances, how do we find a financial advisor...

Your CREDIT SCORE. Is it a number pulled out of the sky by banks? This episode of the Cashology® Podcast helps demystify some of the factors that go into those very important three digits, and what you can do to create better credit habits. Juli and guest Wes Minton are here to take you through the finer points of understanding, managing and most of all, IMPROVING your credit score. Listen here an...

Put on those ugly sweaters, festive socks, and have some hot chocolate by the fire (but if it’s warmer where you are today, maybe switch the socks for flip flops and don your favorite holiday t-shirt). We’re thinking Holiday spending and saving up in here. Juli sits down with David Erlbacher to talk about strategizing for your festive gift giving. Jingle those bells, people!  Listen here and follo...

It’s time for Fido, Mr. Whiskers, or Polly to join the family. Have you planned on adopting or purchasing? What about accessories, licensing, veterinarian fees and emergency savings? In this episode of the Cashology® Podcast, Juli and guest Pam Wiese of the Nebraska Humane Society discuss your new best friend and how to be ready for all the costs and planning. Listen here and follow @CashologybyFN...

Budgeting? Wants? Needs? How should we look at our income to put ourselves in the best possible position to save, while also paying bills and living life? Is there a magic formula for how to do this? As it turns out, there just might be! In this episode of the Cashology® Podcast, Juli and her guest, Jamie Urban discuss the 50/20/30 rule and how to apply it to your budget. Listen here and follow @C...

You’re throwing your money away! (Do we have your attention now?) Well, you could be–if you haven’t looked at refinancing your mortgage in a looooooong time.  In this episode of the Cashology® Podcast, Juli and her guest, Brad Dombrosky will walk you through what mortgage refinancing is, what it’s not, and why it might be a good thing to consider–especially if the factors are right.

4 in 10 Adults aren’t able to withstand an unexpected $400 emergency. Most Americans can’t cover one over $1,000. On this episode of the FNBO Cashology® Podcast, Juli consults with Adam Heng, Director of Consumer Loan & Deposit Products. Adam provides an insight on knowing what a financial emergency is, how to plan for one, and whether there’s a ‘magic formula’ for setting funds aside in case of a...