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Ever feel like the second you start dealing with money — especially mortgages or home upgrades — life throws everything at you all at once? Same. In this episode, we talk about that chaotic energy that kicks in when you're trying to make big financial moves, and suddenly your phone breaks, deadlines pile up, and you’re stuck trying to figure it all out on the fly.
This conversation was inspired by a real chat with a friend who’s self-employed, just moved into her new home, and is now planning an addition — and let’s just say, things got overwhelming fast.
We cover:
Why financial stress hits so hard, even when you plan for it
How to keep your cool when life feels like one big deadline
Quick ways to learn what you need to know (without Googling into a spiral)
What to focus on when everything feels urgent
If you’re in the middle of something big, or even thinking about it, this one’s for you.
Feeling the pressure? Let’s make it easier. Book a meeting with one of our advisors — they’ll help you break it all down, calm the chaos, and come up with a plan that actually works for you. www.tandia.com -
Mortgage Season 2025 is upon us, and it’s anything but ordinary. Rates are high, the market’s unpredictable, and a lot of us are wondering what the next move is.
In this episode, we’re chatting about what’s going on in the housing market and what you need to know to make confident decisions—no matter where you’re at. Tune in for some key insights, a few tips, and maybe even some clarity.
For more info, visit tandia.com -
Saknas det avsnitt?
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We can’t control inflation, global markets, or supply chain issues. But what can we control? Where we shop, what we buy, and where we bank. Canadians are making more conscious choices to support local businesses, buy Canadian-made products, and keep their money where it matters.
In this episode, we explore:
How small choices—like buying local—create big economic impacts
Why credit unions keep money in the community, unlike big banks
How choosing where to bank is just as powerful as where you shop
Your money should work for you and your community—not just corporate profits. Looking for a financial institution that prioritizes people over profits? Tandia has your back. Join the movement.
Visit Tandia.com to see how banking local can make a difference.
Thanks for listening—now go buy a coffee from your neighbourhood café. It just tastes better. -
Scammers are getting smarter, and package delivery scams are on the rise. With online shopping now part of everyday life, fraudsters are exploiting our routines—sending fake tracking notices, phishing for personal info, and preying on urgency.
In this episode, we’ll break down:
How package scams work & why they’re so effective
Why fraud has skyrocketed in the last decade
Simple ways to stay aware without living in fear
March is Fraud Awareness Month, but staying vigilant is a year-round effort. Learn more at https://www.tandia.com/learning/fraud-prevention on how to protect yourself from evolving scams!
Report scams: Canadian Anti-Fraud Centre
Share this episode to spread awareness! -
Scammers are getting smarter—and more manipulative. Imagine getting a call from a loved one in distress, begging for help. Your instincts tell you to act fast, but what if it’s not really them? This episode dives into the world of grandparent scams, a deceptive trick designed to prey on emotions and urgency.
We’ll cover:
How fraudsters make their scams sound so convincing
The red flags to watch for before sending money.
Why seniors are often targeted and how to protect them.
Steps to take if you or someone you love receives one of these calls.
Don’t let scammers take advantage of your kindness. Stay informed, stay cautious, and visit our Fraud Awareness page at www.tandia.com for more tips on protecting yourself and your loved ones from fraud.
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Scammers are getting high tech with deepfakes—those AI-generated videos and audio that look and sound like the real deal. Whether it’s a fake emergency call from a loved one or a phony business request from your boss, these scams are designed to catch you off guard. We’ll break down how deepfake scams work, share tips on how to spot the red flags, and show you how to stay one step ahead of the bad guys.
Pro Tip: If your boss suddenly asks for money over a video call, it’s probably a scam or maybe you need a new job.
Want More Scam-Slaying Tips?
Head to our Fraud Prevention page https://www.tandia.com/learning/fraud-preventionfor all the details on how to protect yourself and your wallet. -
Fraud is everywhere—like glitter after a craft project. It sticks, spreads, and is nearly impossible to clean up. But don’t worry, we’ve got your back. In this episode of Tandia Talks Money, we’re exposing the sneaky tricks scammers use and how you can shut them down before they even start. From phishing emails to too-good-to-be-true investment schemes, we’ll help you stay sharp, skeptical, and scam-proof.
What’s Inside:
The latest fraud tactics and how to spot them
Simple ways to protect your money and identity
Why your gut instinct might be your best defense
What to do if you think you’ve been scammed
Want More Fraud-Fighting Tips?
We’ve got a full month of fraud prevention resources just for you. Check out Tandia’s Fraud Prevention page for expert advice and the latest scam alerts.
Like what you hear? Subscribe, leave a review, and share this episode—because staying fraud-aware is a team effort. Stay safe, stay smart, and we’ll catch you next time on Tandia Talks Money. -
In today’s episode, we’re talking about debt – yep, that sneaky cycle that’s all too easy to get stuck in. Whether it’s the rising costs of everything or just feeling like you're barely keeping up, you’re not alone. So many Canadians are in the same boat, but here’s the thing: debt doesn’t define you, and you can totally break free.
We’ll chat about how to recognize when you're stuck in the “debt loop,” why it’s so important to stop the shame and blame game, and how to start shifting your mindset so you can take control. I’ll also share a funny (and eye-opening) story about my weekend getaway with the kids and how I was shocked at the cost of a simple sub sandwich. It’s a reminder that small things really do add up!
What we’ll cover:
How to spot the “debt loop” and why it’s easy to fall into
How to shift your mindset and take control of your finances
Identifying your financial triggers and how to avoid them
A personal story about the rising costs of everyday things (hello, sub sandwiches!)
Ready to break free from the debt cycle? Start by shifting your mindset and being aware of your triggers. If you found this episode helpful, hit subscribe, share it with a friend, and leave a review.
Let’s keep this conversation going! www.tandia.com -
The world may feel like it’s constantly changing, but your financial future is still in your hands. In this episode, Carla breaks down how to take control in a world of uncertainty, using the 5-Second Rule to make quick, confident decisions—even when the headlines are overwhelming. From tackling inflation to finding balance in your spending, we explore practical, no-nonsense tips for navigating the ups and downs of 2025. Ready to feel more in control of your finances? Tune in for actionable advice that’ll help you move forward with confidence—even when the world feels like it’s turning upside down.
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Welcome back to Tandia Talks Money, where we make finances fun and easy to understand! In today’s episode, your trusty money guide, Carla, breaks down one of the least exciting but most impactful topics: tariffs.
Sure, it sounds like something straight out of a political debate, but tariffs affect your wallet more than you might think. Whether you're in Canada or the U.S., tariffs are impacting your prices, job security, and economic growth—whether you realize it or not. So what exactly are tariffs, and why should you care?
In this episode, we’ll explain what tariffs are in simple terms (with a fun party analogy!), how they increase prices, and how they ripple through economies. From Americans paying higher prices for products to Canadians facing job losses, tariffs have far-reaching consequences. But don’t worry—Carla shares tips on how to protect your finances, including staying informed, reviewing your budget, buying local, and managing your debt.
We’ve also included a helpful link to a video from CBC, where Andrew Chang breaks down how Canada is responding to tariff threats and how they could affect businesses and consumers. https://www.cbc.ca/player/play/video/9.6621858
Key Takeaways:
What are tariffs? A simple breakdown of how these trade taxes affect your finances.
The ripple effects of tariffs: Higher prices in the U.S. and job losses in Canada.
How to prepare financially: Budget adjustments, supporting local businesses, and talking to a financial expert.
Stay ahead of the curve and protect your wallet—because tariffs aren’t just for economists. They affect everyone who wants to keep their finances on track!
Tune in every Monday for more bite-sized financial tips that’ll make you feel like a pro.
Catch the full episode and don’t forget to subscribe on your favourite podcast platform! -
In this episode of Tandia Talks Money, Carla, explains how RRSPs and TFSAs can be your financial BFFs. These accounts might sound fancy, but they’re really just smart, tax-friendly places to stash your money. Whether you’re saving for retirement or a vacation, getting started now means future-you will be thanking you—probably from a beach.
We cover:
Why January and February are perfect for getting your contributions in check.
How RRSPs lower your tax bill now while growing your savings.
The flexibility of TFSAs and why they’re perfect for short-term goals.
Take action and start contributing today—it’s easier than you think. Head over to tandia.com to learn more and make your future self proud! -
Ah, the sweet nostalgia of rotary phones—each digit clicking away as you patiently dialled, only to misdial and start all over again. Sound familiar? Managing your finances can feel a lot like that. But here’s the thing: just like dialling a landline, it’s all about slowing down and taking things one step at a time.
In this episode, we’re talking about:
How financial stress can mess with your mental health (and vice versa).
Breaking out of the money stress cycle—no more endless loops.
Why simplifying your financial decisions can give your brain a much-needed break.
Small, practical steps you can take to reset and feel more in control of both your wallet and your well-being.
We’re here to remind you: it’s okay to slow down, make mistakes, and try again. Progress beats perfection every time.
Hit play now to tune in and give your finances (and your mindset) a well-deserved refresh. You’ve got this! -
New year, same you—and that’s more than enough.
This episode is all about striking the perfect balance between enjoying life’s little splurges (because, yes, you deserve them) and keeping your budget intact. We’re breaking down:
Why January doesn’t need a “new you.”
How to treat yourself without wrecking your wallet.
The magic of a guilt-free splurge budget.
It’s not about reinventing the wheel—it’s about small tweaks that make life better. You already know what works for you; we’re just here to help you recenter and spend smarter.
Tune in now and kick off the year feeling financially grounded! -
The holiday season is fast approaching, and the pressure of last-minute shopping and gift-giving can be overwhelming. In this episode, we share a simple, one-week plan to help you tackle the holidays without stress. From thoughtful gift ideas to staying on budget, we provide tips for finding the perfect presents, managing your finances, and even getting a head start on next year’s holiday prep.
We cover practical ideas for Secret Santa gifts, teacher and colleague presents, and hostess gifts, all while keeping your budget in mind. We also offer quick shopping strategies to help you avoid overspending, plus tips for easy wrapping and organizing your gift list. Finally, we’ll share how to maintain your financial health during the holidays and start planning for a more stress-free holiday season in the future.
Topics Covered:
Budgeting tips for holiday spending
Creative gift-wrapping ideas
Ways to keep track of holiday finances
See You in the New Year!
We’ll be back in 2025 with more practical financial advice to kickstart your year.
Happy Holidays from the Tandia team!
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'Tis the season of twinkling lights, holiday cheer—and sneaky scammers trying to steal your joy (and your money). This episode covers the top fraud schemes to watch out for this festive season, from fake online shops to phishing emails disguised as delivery notices. Whether it’s spotting a phantom sale or shutting down a fake charity plea, we’re here to help you stay one step ahead of the Grinches lurking in cyberspace.
Bonus Gift: Learn how to protect yourself, your loved ones, and your holiday spirit from fraudsters working overtime.
Ready to sleigh the scams? Hit play now, and don’t forget to visit Tandia’s Fraud Page for even more tips and tools to keep your finances safe this season. Stay sharp, stay safe, and enjoy a scam-free holiday! -
This week on Tandia Talks Money, we dive into the timeless debate: Can money really buy happiness? With holiday spending in full swing, we break down how thoughtful financial choices—like investing in experiences, giving back, and planning ahead—can bring more joy and less stress to your life.
Takeaways:
Spend on what truly matters.
Build a "joy fund" for guilt-free fun.
Rethink holiday shopping habits to focus on meaning over material.
Tune in now! Subscribe to Tandia Talks Money wherever you get your podcasts for actionable, relatable financial advice every Monday.
Want more? Visit us at www.tandia.com for tools and tips to help you align your finances with your goals. -
In this episode, we unpack the popular “Latte Factor”—the idea that cutting out your daily $5 coffee can lead to long-term wealth. While the math seems straightforward, is it really that simple? Could skipping your daily latte truly make you a millionaire, or is this just another financial myth that oversimplifies the path to success?
We explore why this concept has gained so much attention, the real impact of small expenses, and whether focusing on minor indulgences distracts from the big decisions—like managing debt, growing income, and investing wisely—that shape your financial future.
More importantly, we challenge the notion that financial success means sacrificing life’s small joys. For many, a daily coffee isn’t just a drink; it’s a ritual, a moment of happiness, or a motivation boost. Can you enjoy that latte and still build wealth?
Join us as we uncover the truth about the “Latte Lie” and share practical strategies to achieve your goals while keeping the things that bring you joy.
At Tandia, we’re here to help you make smarter, easier financial choices. If you liked this episode, hit subscribe and follow us every Monday for more tips to get your money working for you. www.tandia.com -
Welcome to your Financial Health Era! Inspired by Taylor Swift’s ability to define her journey through unique “eras,” this episode dives into how you can apply the same mindset to your financial journey. It’s time to reflect, re-evaluate, and take control of your finances with confidence and purpose.
What You’ll Learn in This Episode
How to reflect on your financial story and build on past experiences.
Why choosing the right financial institution—like a credit union—can help align your values and goals.
Practical steps to build wealth and set yourself up for financial success.
Resources Mentioned in This Episode:
Visit Tandia's website for financial tips and tools.
Explore how credit unions can support your financial journey.
If you enjoyed this episode, don’t forget to:
Subscribe to Tandia Talks Money.
Share it with friends and family who could use some financial inspiration.
Let us know what topics you’d love to hear about next!
At Tandia, we make finances feel less intimidating and a whole lot more relatable. Thanks for listening, and here’s to living well in your Financial Health Era! -
You work hard for your money, but there are sneaky little habits that quietly drain your bank account without you even noticing. From forgotten subscriptions to impulse buys and unused memberships, these small costs can add up fast. In this episode, we’ll show you the everyday money leaks that are harder to spot than a missing sock and how to plug them before they cost you more.
In this episode, we cover:
The subscription graveyard (and how to stop paying for stuff you don’t use)
Why impulse buys are like junk food for your wallet
The gym membership you’re definitely not using
And more!
At Tandia, we’re here to help you make smarter, easier financial choices. If you liked this episode, hit subscribe and follow us every Monday for more tips to get your money working for you. www.tandia.com -
This week, we’re busting through the “money talk” barrier! Ever wonder why it feels so awkward to discuss finances, even though we’ll chat about almost anything else? In this episode, we explore why money is such a taboo topic and offer easy ways to break the silence. From normalizing small conversations about budgeting to creating non-judgmental spaces for sharing tips and tricks, this episode is packed with actionable steps to help you get comfortable talking money with friends, family, and colleagues.
Why Listen? This episode is a call to make money talk a regular conversation. By breaking down the taboo, we can all make smarter financial decisions together.
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. - Visa fler
