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.