Cashology by FNBO

Cashology is FNBO's online community for personal finance topics and questions. If you're looking to save more, budget effectively or make better money decisions, we're here to listen and provide guidance.

Episodes

April is National Financial Literacy Month

April 21, 2022 • 10 min

Great, big, small — we're the bank that has your back. 💸

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Make Charitable Gifting Your New Years Resolution

December 22, 2021 • 11 min

Let’s say someone decides to make charitable gifting a new year’s resolution. What makes this resolution easier to keep than others?

Most resolutions are about reducing negative behaviors.

Eating too much, spending too much, watching too much Netflix.

It’s tough when you go about changing or eliminating a negative behavior.

But when you focus your resolution on increasing positive behaviors, such as community involvement or charitable ...

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Steps for Identity Theft and Fraud Prevention

December 1, 2021 • 12 min

Where do we start in protecting ourselves from identity theft? What do we need to do?

Start with the passwords you use for your online accounts.

Make sure you create new and unique passwords regularly, every three months or so.

Make sure you use a different password for each of your online accounts.

And don’t use easy to remember things like birthdates or pet names.

More than 40% of internet users use the same password for every account...

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Important Financial Considerations When Setting Up Your Small Business

November 24, 2021 • 10 min

So our ‘hypothetical future Jeff Bezos’ is ready to launch off on the small business journey. Risk versus reward? Thoughts?

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 misca...

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Take the Wheel - Staying in Control of Your Auto Purchase

November 10, 2021 • 9 min

Divide your car buying process up into two parts

Research

Deal making

Step one -- research

Figure out the specific car you want to buy

Play around on auto websites and “build your car”

Learn what it costs, base model and trim levels and extras

Use car sites like Edmunds and Kelly Blue Book

You can learn what others are paying and what’s a good price

This info can keep you from overpaying

Search dealers for incentives like cash back or low-in...

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Pay Yourself First

October 20, 2021 • 14 min

Help us understand the “pay yourself first” approach to budgeting

Paying yourself first changes how you do budgeting

Normally, we take care of our needs and wants first

And then whatever’s left over goes to savings

And a lot of times nothing’s left over

Instead pay yourself first

Decide how much to save, set that aside first

Then budget properly to live off the remainder

But how do you figure out how much to save?

Follow the 50/20/30 rule

Wi...

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Quarterback of Your Finances

September 8, 2021 • 13 min

If someone wants to be their own financial quarterback, where should they start?

Sticking with the sports analogy for a moment, they need a good game plan.

And when it comes to your finances that means a financial plan.

So step one, really, is to develop a financial plan.

And you don’t have to be a financial expert to do this.

A financial plan is just a picture of your current finances.

And it identifies what your financial goals are.

Wha...

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Credit Card 101

August 3, 2021 • 13 min

TALKING POINTS

Everybody understands what a credit card is, right?

It doesn’t’ hurt to start there.

A credit card lets you access a line of credit offered by the bank that issued the card.

So every time you use it to pay for something you’re borrowing money from the card issuer to cover the purchase.

And then you have to pay that money back when your statement comes, either in full or over time.

And if you choose to make partial payment...

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Managing Money in Your 20's

July 20, 2021 • 15 min

TALKING POINTS

Habit 1 – controlling spending always seems to come first.

The foundation for financial health

Let’s talk about the 50/20/30 rule

We’re talking about after tax income

Budget 50% on necessities

Budget 20% for savings

Budget 30% for wants

Track your expenses against this formula

Are you spending too much on anything?

Not saving enough?

One bad habit can cost you, especially over time

And check impulse buys

Are you buying things ba...

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Extra Paycheck Month - Making the Most of Your Money

July 6, 2021 • 12 min

TALKING POINTS

What’s the first thing we need to do to make the most out of our money?

Managing your money well takes some persistency.

You’ve got to have an approach and stick to it.

And the first thing I always tell people is to pay off debt, especially high interest debt like credit cards.

Pay off credit cards.

Pay off auto loans.

Pay off student loans.

Don’t know which one to start with? Tackle the one that’s charging you the most int...

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Dreaming of a Home Improvement Project

June 7, 2021 • 13 min

TALKING POINTS

Some home improvement projects return the investment better than others, right?

That’s right.

The ones you can really count on are remodeling a kitchen or adding a bathroom, like we just said.

But others that help you get your money back at time of sale – reinventing a room, such as finishing a basement, adding energy efficient windows or insulation, adding a deck, and just keeping the basics in order.

Money is almost al...

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Keeping Your Money Safe Online

March 31, 2021 • 14 min

How important is having a strong password – whether we’re talking about your account at Amazon or your online bank accounts?

This seems like real obvious advice but your password either makes things easy or hard for hackers.

Some of the most common mistakes are using your name, address or date of birth.

Short passwords or common words or simple number combinations are also bad ideas.

And you don’t want to use the same password for mult...

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Will You Be Financially Ready to Retire?

February 24, 2021 • 16 min

Assessing your desired lifestyle

It seems like a no-brainer, but to reach the finish line and retire how you would like, you have to determine your target amount. According to an FNBO ‘Retirement in America’ study, 69 percent of those who have yet to retire hadn’t calculated how much they needed to do so. In order to know that target amount, you have to take into consideration what your life looks like and how much you want it to ad...

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How to Manage Finances in a Marriage

February 10, 2021 • 11 min

What’s so hard about managing finances in a marriage? Why is it such a challenge?

You’re looking at money from a combined position now.

Combined income, spending habits, debt, credit scores, goals,

First thing you really need to do is get a picture of your combined financial position.

You really need to get everything out on the table.

Incomes, savings, retirement savings, debt, credit scores, insurance policies.

Get all of your assets a...

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Choosing a Financial Advisor

January 11, 2021 • 11 min

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. Tune in now!

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Understanding, Managing and Improving Your Credit Score

November 30, 2020 • 14 min

Let’s talk CREDIT SCORES. 💳💲📉 Is the number just pulled out of the sky by banks? Take a listen to this episode of Cashology: Understanding, Managing and Improving Your Credit Score to see what you can do to stay on top of it.

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Holiday Spending & Saving

November 13, 2020 • 13 min

Put on those holiday sweaters, festive socks, and have some hot chocolate by the fire, because today we're talking about holiday spending and saving.

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Cost of Pet Ownership - Can You Afford a Pet?

September 24, 2020 • 17 min

Is it expensive to adopt or purchase a pet? Juli asks about all that’s involved with pets and mentions how quickly a home can be taken over by all the crazy accessories. We jump back on task with the expense discussion…tune in now. Some steps to building a budget before bringing home a pet 1. Think about if you want to adopt or purchase a pet and find out costs for each 2. Research food costs 3. What accessories would you like you...

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50/20/30 Budgeting

September 18, 2020 • 10 min

In this episode you will learn what the 50/20/30 rule is and why it is important to keep to these percentages. Following this rule helps you stick to your budget and reach your goals. It gets you mentally prepared for the month so you don’t have any surprises in your spending. Tune in now!

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What is Mortgage Refinancing, and When is the Right Time to Buy?

September 17, 2020 • 17 min

What is Mortgage Refinancing, and When is the Right Time? 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. This episode will walk you through refinancing, and some things to consider or ask your lender when that time comes.

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Cashology by FNBO

Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}April is National Financial Literacy Month

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}Make Charitable Gifting Your New Years Resolution

Steps for Identity Theft and Fraud Prevention

Important Financial Considerations When Setting Up Your Small Business

Take the Wheel - Staying in Control of Your Auto Purchase

Pay Yourself First

Quarterback of Your Finances

Credit Card 101

Managing Money in Your 20's

Extra Paycheck Month - Making the Most of Your Money

Dreaming of a Home Improvement Project

Keeping Your Money Safe Online

Will You Be Financially Ready to Retire?

How to Manage Finances in a Marriage

Choosing a Financial Advisor

Understanding, Managing and Improving Your Credit Score

Holiday Spending & Saving

Cost of Pet Ownership - Can You Afford a Pet?

50/20/30 Budgeting

What is Mortgage Refinancing, and When is the Right Time to Buy?

Popular Podcasts

For You.css-1r2bfgw{margin:0 0 -2px 5px;}

April is National Financial Literacy Month

Make Charitable Gifting Your New Years Resolution

For You