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The elements podcast is about money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money.

Current Episode

Outsmarting Scammers: Scams and frauds are always changing and evolving. In this episode, we'll talk about the new scams that are hitting young people, and what you can do to protect yourself...and your money!

 

Episode Archive

2015

June
Credit Unions vs. Zombies
: How can credit unions help you prepare for a zombie apocalypse? We ask students across the country. Hear what they had to say.

May
Cheap vs. Savings Smart
: What's the difference between being cheap and having a smart savings strategy? In this episode, we talka about why sometimes going the cheap route isn't always the smartest way to save.

April
Sneaky Sales Traps
: In this episode, we uncover the different ways stores try to get you to spend money once you walk through their doors.

March
Your Money is Worth More Than You Think
: What's the value of your hard-earned dollars? There are many ways to determine that. We cover them all in this episode.

February
Car Loan Hacks
: Getting ready to buy a car? Before you sign on the dotted line, be sure to check out this podcast with ways to save on a car loan.

January
Maximize Your College Money
: In this month's episode, we'll show you how to get the most bang for your college buck. With just a little planning and research, you can potentially save big bucks on future college expenses.

2014

December
The Best Money Tips of 2014
:It' sthe end-of-year list of our favorite money tips from 2014. Join Allison as she recaps her favorite episodes from 2014.

November
How to Avoid Financial Peer Pressure
: Does it sometimes feel like you're the only one in your group of friends who never has money? You're not alone. Many people feel the same way. In this episode, Allison talks about how you can handle peer pressure to spend money you don't have, or simply don't want to spend.

October
Paying for the Best of Everything
: Learn how you can save money when it comes to buying the best of everything.

September
Adding Up Car Expenses
: Paying for your first car is just the beginning. In this episode, we explore how much it really costs to keep your car moving.

August
Tips to Control Impulse Shopping
: Looking for a way to stop impulse purchases? In this episode, Allison provides tips to help you walk away from impulse buys.

July
Making Credit History
: A positive credit history can open up financial doors. In this episode, we explore three tips to help young consumers start building their credit history the right way.

June
How Creidt Unions Are Like Superheroes
: We asked students across the country, how are credit unions like superheroes? In this episode, we share what they tweeted.

May
Celebrity Money Meltdowns
: Anyone can have money problems, even millionaire celebrities. In this episode, we share stories about some of the world's biggest celebrities who made and lost millions.

April
When Celebrities Attack Your Wallet
: From Justin Bieber to Lil Wayne, celebrities are getting into financial product endorsements. But is a celebrity-endorsed debit card a good idea? Find out in this episode.

March
The Money-Side Of Starting A Business
: Ready to launch a new business? Money's definitely going to play a part. Here's the info young people need to know when getting a new company off the ground.

February
Taxes. UGH.
: It's tax season and if you worked last year, you may have to file with the IRS. Yes, even if you're under 18! Not sure what to do next? Give this episode a listen.

January
Sneaky Store Tricks
: In this edition of the Elements Podcast, we look at the many ways your favorite stores used sneaky tricks to get you to spend more money.

2013

December
The Year In Money
: Nikki and Jenny share their favorite money-savings tips from 2013.

November
A Shopper's Guide To Saving Money
: It's that time of year again. Holiday shoppers are lining about with cash in hand. In this episode, we explore things you can do to prepare for holiday shopping.

October
First Time Credit Tips
: For young people, it's never too early to start thinking about your credit history. In this podcast, we uncover the biggest credit tips important to young comsumers.

September
Money Saving Celebrities
: From Lady Gaga to Selena Gomez...get a behind-the-scenes peek at the lifestyles of the rich and frugal. We pick our favorite money-saving celebrities and share their tips for being financially smart.

August
Volunteer And Save
: Volunteering your time offers many personal rewards, including helping you save money. Here's how!

July
How To Ask For A Raise
: Think you deserve more money at work? So do we! Here are some tips to help you ask for a raise.

June
Outside The Box Money Tips
: Tired of the same 'ol money savings advice tips? We bring a different spin to saving money with some unique ways to save and keep cash in your wallet.

May
Enjoy Your Vacation For Less Money
: It doesn't matter whether you plan to vacation near by or at some exotic location, one this remains the same - you need to watch your money. We'll give you tips on how to save money next time you hit the road.

April
When Money Attacks
: In this podcast, we talk about the different things you should do if you efind yourself in a load of financial trouble.

March
Your Life, Budgeted
: Not all budgets are created equal. In this podcast, we explore your budget through different time frames: daily, weekly, monthly and beyond!

February
The Three C's of Spending
: Want to know the smart way to shop? Learn the three C's of spending. With just three easy tips, you'll be on your way to saving at the cash register (and shopping cart) every time.

January
Strangest Scholarships. Ever!
: Not all scholarships are created equal, especially when The Elements of Money team is helping you find them. We uncover strange, but valuable, scholarships from around the U.S.

2012

December
The Year In Review
: It's time once again for our year-end round up of our favorite money tips of the year. Join Nikki and Jenny and get the first hand scoop.

November
Rate Your Purchase
: Do you know how much you spend every time you use an item? Whether it's a shirt, video game, shoes or sports gear, everything you use everyday costs money. In this issue, we'll help you figure out your Cost Per Use and get the most bang for your buck.

October
Budget-Friendly Parties
: Like throwing parties but don't like the expense? Here's our guide for throwing a party without throwing away money. We cover it all: locations, food, and entertainment ideas on the cheap!

September
Halloween on a Budget
: Don't get spooked with the rising cost of Halloween costumes. Nikki and Jenny share their not-so-scary tips for dressing up without spending too much cash.

August
Build Your Own Community for Free
: Joining a club or playing for a sports team can get expensive. A cheaper alternative is to do-it-yourself. In this podcast, Nikki and Jenny have tips for building your own community and saving money while doing it.

July
Cheap and Wacky Sports Ideas
: Going to the gym and buying sports equipment can sometimes get expensive. Nikki and Jenny explore cheap alternatives to staying active.

June
Make Your Own Summer Job
: Finding a Summer job isn't always easy. One solution is to create your own. In this podcast, we give you hints and tips for making cash during the Summer months.

May
Smart Money Tips for Smartphones
: Getting ready to buy a new smartphone? Nikki and Jenny discuss the things you should look for before signing any long-term contract. From text minutes and family plans, to data costs and camera phones, we cover it all.

April
Recycling and Upcycling for Cash
: What's an easy way to make money? Use what you already have! Whether you want to recycle for cash, or upcycle and sell stuff online, we have the hints and tips you'll need.

March
Stop Wasting Money
: In this episode, find out how to stop spending your hard-earned cash on the most common Money Wasters.

February
Charitable Giving: Where to Begin?
: You don’t need to be rich to donate to a charity. In this episode, Nikki and Jenny uncover the basics of giving to a charity.

January
Getting Ready for the Tuition Countdown
: In this podcast, Nikki and Jenny give you tips for preparing for college expenses. Whether you're a few months or a few years away from college, this podcast is a must-listen.

2011

December
End of Year Financial Roundup
: Nikki and Jenny share their favorite money-saving tips from 2011.

November
Department Store Credit Cards
: In this podcast, Nikki and Jenny discuss the mistakes people make when carrying a department store credit card.

October
Scary Financial Stories
: In this special spooky episode, Nikki and Jenny share their favorite scary money stories. From people getting ripped off to online scams, this podcast will surely have you quaking in your boots.

September
All About Passwords
: When it comes to protecting your money online, your best line of defense is a solid password. In this podcast, Nikki and Jenny discuss what you can do to create the perfect password.

August
Back-to-School Shopping on a Budget
: In this podcast, Nikki and Jenny give their tips for making the most of your back-to-school clothing budget.

July
Protect Your Money from Hackers
: In this podcast, Nikki and Jenny talk about things you can do to protect your online accounts and your money from hackers.

June
Movie Money Savings
: Check out this podcast before you buy your next movie ticket or bag of popcorn. Nikki and Jenny share their tips for helping you save money at the movie theater.

May
Tips for a Successful Yard Sale
: Planning a yard sale? Check out Jenny and Nikki's tips to help make your yard sale fun ... and a success!

April
What it Means to Be a Credit Union Member
: Young credit union members from across the country tweet what it means to them to be a credit union member.

March
Inside the World of Advertising
: Learn the tricks advertisers use to get people to spend money. From celebrity endorsements to "extreme" soft drinks, Nikki and Jenny cover the most popular types of commercials.

February
Credit Cards Under the Microscope
: In this episode, Nikki and Jenny uncover the top three features to look for when choosing a credit card.

January
The Best Things in Life Are Free
: Check out this month's podcast as Jenny and Nikki share their favorite tips for finding stuff for free.

2010

December
The Top Money Tips of 2010
: Jenny and Nikki wrap up another year with their favorite money tips of 2010.

November
The Eco-Friendly (and Cheap) Way to Shop
: Nikki and Jenny show you how a little bit of planning can help you make your holiday shopping green, while saving some green.

October
The Economics of Learning a Musical Instrument
: From garage bands to marching bands and everything in-between, Nikki and Jenny show you how to learn how to play a musical instrument... without spending a fortune.

September
Upgrading Your Digital Life
: Whether it's getting a new cell phone, buying the latest gaming console accessory, or upgrading your favorite app, keeping your digital life up-to-date can get expensive. Jenny and Nikki cover it all in this podcast.

August
Three Big Money Mistakes
: When it comes to money, it's easy to make a mistake. Hear the three biggest mistakes young people make when it comes to money, and learn what you can do to avoid them.

July
A Cheap Guide to Playing Video Games
: In this podcast, Jenny and Nikki explore different ways to find and play video games for the least amount of money possible.

June
A Guide to Buying and Renting Movies
: Jenny and Nikki tackle the world of movie downloads, digital rentals and old-fashioned DVD shopping. We review the most popular options for watching and renting movies in the digital age.

May
All About Savings Accounts
: Jenny and Nikki dive deeper into the world of savings accounts. From regular savings to retirements accounts, we look at the many different savings options available to you.

April
Setting Financial Goals
: Nikki and Jenny outline a few simple steps for helping you save for the future using financial goals.

March
Yes, You Can Afford College: With the costs of a college education rising, you may be looking for ways to pay. In this episode, Nikki and Jenny share their ideas to help you find college funding.

February
The Difference Between Credit Unions and Banks:
Why should you choose a credit union versus a bank? Nikki and Jenny explain the differences that could have a huge impact on your wallet and financial life!

January
Hints and Tips for Finding a Job:
If you're under 18 and looking for a part-time job, you may find that all the traditional "teen" jobs are being filled by adults. Now what? Nikki and Jenny have a few ideas for finding the perfect job in today's challenging job market.

 

2009

December
The Top Money Tips from 2009:
From saving money for concerts to spending less on movies, Nikki and Jenny share the best money-saving tips from the past year.

November
Saving Money Without a Piggy Bank:
Learn about different types of savings accounts and the best way to stash your cash.

October
Stay Fit and Save Money:
From exercise equipment and eating healthy, to skin care products and more, Jenny and Nikki discuss different ways to stay fit without breaking your budget.

September
Gadgets and Gizmos:
It's easy to get caught up in the latest and greatest electronic devices. From iPods and iPhones, to PS3s and more, Jenny and Nikki give you tips for saving money on your favorite gadgets.

August
The Good, The Bad and The Ugly:
Who can young adults trust when it comes to their money? In this episode, Jenny and Nikki rate different types of financial options available to young people.

July
Frugal Fashion Sense:
Learn how to "dress to impress" without spending your last dollar.

June
Music and Money:
Whether you’re a musician in a band, or simply a fan who loves listening to music and going to concerts, we have tips to help you save money.

May
Building a solid credit history while you're young:
In this episode, Jenny and Nikki talk about things young people can do to start building a positive credit history.

April
What do you REALLY need?:
Do you know the difference between Needs and Wants? In this episode, Nikki and Jenny help you determine what you really need to get by in today's economy.

 

 

If you have an idea for a topic, send an email to feedback@elementspodcast.com.

This podcast is designed for information purposes only and is not intended as financial advice. United Bay Community Credit Union, nor any of its independent providers is liable for any informational errors, incompleteness, delays, or any action taken in reliance on information contained herein. Users are always encouraged to check and confirm the information with other sources and through direct professional contact.

 

 


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

 
      
     

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