If you are like most people, you probably think about money quite often. Whether you are trying to save for one of life’s big events like Ben or are looking to settle down like Dana, sometimes it can help to get assistance from an expert. That expert is here and his name is Geoff from Firefly Credit Union. Geoff will be in studio Monday Mornings at 7:15am with Ben and Dana to go over whatever financial topics you are most curious about.
And because we love our listeners, we are even letting you pick the topics from the list below by which get the most votes. Feel free to vote for as many topics as you are interested in and you can even suggest your own if you don’t find it on the list.
Also find all past interviews below the poll and keep informed and ahead of the game when it comes to your financial health and freedom. Finances suck less with Ben and Dana so let’s get you started now on the path to financial freedom and security with Firefly Credit Union.
Thanks for listening to Ben and Dana weekday mornings on Go 96.3!
Week #28: Credit Card Use On Vacation
Firefly Credit Union financial expert Geoff joins Ben and Dana in a discussion the dos and don’ts of using credit cards while planning and on vacation. Geoff talks about how your credit card spending
27 : Dating on a Budget
Firefly Credit Union financial expert Geoff joins Ben and Dana in a discussion about how to get more out of your budget for date night and entertainment. With the right strategy, you don’t have to settle for less to stay on budget. Follow Firefly Credit Union on Facebook and head over to the Firefly Money Monday page to find ways to stretch your fun budget to the max.
Week #26 : Starting a Savings Habit
This week Ben and Dana welcome Geoff from Firefly Credit Union to discuss savings and how to formulate a plan that works for you. What % of your income are you putting away for your retirement or emergencies? Follow Firefly Credit Union on Facebook and head over to the Firefly Money Monday page to learn about the tools available to all Firefly Credit Union clients to help you get where you want to be.
Week #25 : Avoid Drowning In Debt
Financial expert Geoff discusses the importance of getting out ahead of your debt before it completely takes over your life. Firefly Credit Union has resources for you like a customized debt plan from a debt counselor so you can get your finances under control and get your life back. Follow Firefly Credit Union on Facebook and head over to the Firefly Money Monday page to get control of your wealth today.
Week #24 : Winterize Your Budget
This week birthday boy and Firefly Credit Union financial expert Geoff covers tips and tricks to keep your costs down in the colder months of the year. What temp do you keep your thermostat at in the winter and what would you guess is optimal for comfort and savings? Visit the Firefly Money Monday page to find out and maximize your money over the long Minnesota winter.
23 : Tracking Your New Year’s Resolutions
Our friend and Firefly Credit Union financial expert Geoff is back to discuss tips and tricks to use today’s technology to track your spending. Gone are the days of writing paper checks but we are at an advantage with the automation that comes with today’s tech like the Firefly Credit Union mobile app to see where your money is going and where you can save. Visit the Firefly Money Monday page to learn more and stay on top of your financial goals for 2019.
22 : Holiday Cash Diet
Financial expert Geoff from Firefly Credit Union discusses tips and tricks to get you through the expensive holiday season. With careful planning and discretion, you can get your budget back on track faster after the holidays and avoid expensive interest. Take back control of your finances by visiting the Firefly Money Monday page now.
Week #21 : What To Do When You Can’t Pay a Bill
Since many of us go through good times and bad, our friend Geoff from Firefly Credit Union joins Ben and Dana to discuss strategies for when you come up a little short for the month. You may be surprised to know how easy it can be to get a little help from some organizations in tough times. Learn more at the Firefly Money Monday page now!
Week #20 : Planning for Emergencies
Since we can’t predict the future, Firefly Credit Union financial expert Geoff lays out a few guidelines in order to be prepared for the unexpected. Guess how many month’s worth of pay it is recommended you have set aside for emergencies? Listen below to find out and get a few more tips to take your finances to the next level with a little help from Firefly. Don’t forget to visit the Firefly Money Monday page today to take the first step and learn more now.
Week #19 : Benefits of a Financial Planner
Firefly Credit Union financial expert Geoff kicks off week 19 by discussing the benefits of using a financial planner. You don’t need a million dollars to need financial advice, in fact those of us that run a little lean financially may have the most to gain from expert help. Take your finances to the next level with a little help from Firefly and visit the Firefly Money Monday page today to take the first step.
Week #18 : Investment Types and Tips
Because we all need to save for our future and retirement, Firefly Credit Union financial expert Geoff reviews the options to know how and where to put your money to work for your future. Insulation from taxes, interest and market forces are all things to consider when making investment decisions. Take your finances to the next level with a little help from the experts by visiting the Firefly Money Monday page today.
Week #17: Why Credit Matters
Firefly Credit Union financial expert Geoff discusses how important your credit is and how it impacts your life. Geoff debunks credit myths and helps Ben and Dana navigate how to better your credit score. For more information about credit scores, visit the Firefly Money Monday page to help you get where you want to be today.
Week #16: Turning Your Hobby Into a Business
Week 16 features tips and advice from Firefly Credit Union financial expert Geoff about taking what you love and are good at (namely your hobbies) and finding the roadmap to making them profitable. It all starts with the desire, skills and of course planning which is where you can benefit from help from experts. Turn your passions into profits and visit the Firefly Money Monday page to help you get where you want to be today.
Week #15: Car Insurance
Firefly Credit Union financial expert Geoff covers the basics of car insurance in week 15. While car insurance is a must if you want to drive legally, the level of coverage and how the coverage follows you from car to car are good details to know. It is easy to over or underinsure your vehicle so it can pay off to speak to a Firefly Credit Union expert like Geoff or visit the Firefly Money Monday page to learn even more and make sure you have the right level of coverage.
Week #14: Prioritizing Debt
After a week off, Geoff from Firefly Credit Union returns to share tips and insights on how to prioritize your debt to keep it to a minimum and get out as fast as possible. The right strategy may differ from person to person so check out the Firefly Money Monday page to learn even more and set up a meeting with a Firefly Credit Union representative to get on your path to financial freedom today.
Week #13: Saving for Retirement
In week 13, Geoff, the Firefly Credit Union financial expert talks to Ben, Dana and Giselle about creating a strategy when planning and saving for retirement including the variations of retirement funds. Guess how much money you would have today if you invested $5000 in Amazon about 21 years ago in 1997? Check out the Firefly Money Monday page to learn even more and set up a meeting with a Firefly Credit Union representative to get on your path to financial freedom today.
Week #12: Mortgages for Beginners
In week 12, Firefly Credit Union financial expert Geoff covers the best way to get into a house whether with a little help from city or federal government help or the right strategy to make sure you can stop renting and start gaining the equity you deserve. Check out the Firefly Money Monday page to learn even more and set up a meeting with a Firefly Credit Union representative to get on your path to financial freedom today.
Week #11: Leveraging Home Equity
Week 11 begins with Firefly Credit Union financial expert Geoff going over the ways you should and shouldn’t leverage home equity loans and home equity in general. Being a safety net for you and your family the temptation can be to tap into your home equity which may make sense to free up cash flow but is ill-advised in many cases. Visit your local Firefly Credit Union location to meet with a financial expert like Geoff to get advice on your particular situation or visit the Firefly Money Monday page to learn the ropes and ensure you are using home equity to your benefit.
Week #10: Joint or Shared Bank Accounts
In week 10, Ben mentions he is now sharing a bank account with his wonderful new wife. Resident Firefly Credit Union financial expert Geoff discusses the pros and cons of shared accounts and the new reality many of us realize as we transition through life’s events. Since the majority of marital problems are money related, it can be important to understand the details surrounding joint or shared bank accounts to keep your relationship and finances healthy and happy. Learn more about pros and cons of joint accounts from the Firefly Money Monday page today.
Week #9: Cash Dieting: Tricks To Save More
Week 9 showcases a few tips and tricks to extend your financial resources further than you may have thought possible without it feeling like a sacrifice. We control our calorie intake and exercise to “diet” for our body and it isn’t much different to diet for your financial health as well. Learn how Giselle and Ben are both dieting and having good success in stashing more funds for their future and emergencies. Take this and many other Firefly Credit Union learning modules found on the Firefly Money Monday page and remember that dieting can help your body and your finances alike.
Week #8: Common Money Mistakes
In Week 8, Geoff from Firefly Credit Union talks about Common Money Mistakes millennials make. Millennials tend to save for the short term rather than for the future, whether it is investing your money, purchasing a house or building your credit, Geoff discusses ways we can save smart. For more information on saving smart and other common money mistakes, check out the Firefly Money Monday page.
Week #7: Building Emergency Savings:
Firefly Credit Union financial expert Geoff, covers the need for an emergency savings fund to cover the unforeseen challenges that life that can throw our way. Can you guess how much income is recommended we have set aside for emergencies? The answer may surprise you. Are you financially healthy? Let the experts at Firefly Credit Union help to get you where you want to be with true financial freedom. Don’t forget to visit the Firefly Money Monday page to continue to learn and improve your financial standing through savings.
Week #6: Identity Theft:
Week 6 tackles the constantly evolving world of identity theft. Geoff goes over a few of the common ways thieves and hackers gain access to your identity and money and how you can protect against becoming a victim yourself. Be confident you are doing what you can to protect your identity with help from Firefly Credit Union. Learn even more from the Firefly Money Monday page today!
Week #5 : Budgeting:
Fresh off his wedding and honeymoon, Ben suggests it might be time to start budgeting after a costly (but AMAZING) couple weeks. Geoff gives some tips including the Firefly Budgeting Tool to make sure you are having fun responsibly. Do you know what percent of your monthly income you are supposed to spend on your main expenses? (Hint 50/20/30). Click the audio below to learn more about budgeting and take your financial knowledge to the next level with the Firefly Credit Union Money Monday page.
Week #4 : Loans continued:
Week 4 showcases the specific things to factor in when shopping for a loan. Geoff suggests being patient and shopping around BEFORE making any decisions around a loan, no matter the type of loan. Check https://www.fireflycu.org/ for current rates and compare what Firefly has to offer before settling on a final decision or rate. The Loans learning module can be on the Firefly Money Monday page to take your financial education to the next level with Firefly Credit Union.
Week #3 : Loans:
Firefly Credit Union financial expert Geoff covers the different types of loans available and what red flags to look for when applying for a loan. Geoff acknowledges the need for loans in today’s economy but helps steer us in the right direction to prevent any costly common mistakes around loans. Question: What is the most dangerous type of loan out there? Listen below to find out and know what to avoid and what to leverage. Be in the know and visit Firefly Money Monday page to learn more about the different types of loans available from Firefly Credit Union.
Week #2 : Using Credit Cards:
In week #2, Firefly Credit Union financial expert Geoff explains how you can properly use credit cards to your advantage IF you are smart about the way you use them. Listen below and visit the Firefly Money Monday page to get credit for your credit:
Week #1 : Benefits of a Credit Union:
In week #1, resident Firefly Credit Union financial expert Geoff explains what makes Credit Unions different and a good choice for many consumers that are exploring ways to save and learn more about their financial options and health. Listen below and take the Digital Learning Module found on the Firefly Money Monday page to see if a Credit Union like Firefly makes sense for you and your family.