Understanding the difference between an emergency fund and general savings is key to solid financial planning. Learn how to build an emergency fund, when to use it, and how it differs from long-term savings goals.

Discover the homebuilding process with Amy Evans of Nielson Construction. Learn budgeting tips, financing options, and myths to avoid. Listen now!

Plan your dream wedding without breaking the bank! Join us on Tips for Change as we chat with wedding planner Loghin Welch about budgeting, vendor tips, and smart spending strategies.

Financial harmony is the cornerstone of a successful partnership. Whether you’re newlyweds or years into your relationship, aligning your finances can help achieve shared dreams and avoid stress. Sioux Falls couple Justin and Laura Brown share their journey and offer practical tips for building a strong financial foundation together.

Discover how Meagan Zerr balances a full-time career and her side hustle, You Glow Girl Mobile Spray Tan, with tips on time management, tools, and motivation.

Ready to take control of your finances? Learn how to set SMART financial goals for the new year. Create a clear path to financial success with specific, measurable, achievable, relevant, and time-bound goals. Start your journey today!

Dive into Voyage's record-breaking 2024 with CEO Jeff Schmidt on the Tips for Change podcast! Explore growth, tech innovations, community impact, and plans for 2025 as Voyage continues to empower members and tackle industry challenges. Listen now for the full episode!

Kick off your New Year's resolutions with a thorough financial check-up. Start by setting SMART goals and creating a budget that fits your life. This guide offers simple steps to manage debt, craft a household budget, and build lasting financial habits, helping you achieve a more secure financial future this year.

Get essential holiday scam-prevention tips from South Dakota Attorney General Marty Jackley on our Tips for Change podcast! Learn to spot fraudulent pop-ups, avoid fake delivery scams, and protect your personal info for a safe and stress-free holiday season.

Prepare for the holiday season without financial stress by following our simple strategies to create a budget. Learn how to set spending categories, utilize rewards, and start saving early to make holiday shopping simpler and more manageable. Avoid overspending and enjoy a more joyous holiday season with effective budgeting strategies.

In this episode of Tips for Change, Jim Peterson, Joe Hoose, and Veronica Schmidt talk about the Grow Vermillion Campaign. They share their plans to expand housing, strengthen the workforce, and enhance quality of life in Vermillion. See how community partnerships and local efforts are shaping the town's future growth.

Learn essential tips on teaching kids about money, managing a family budget, and applying the 5 principles of financial literacy. This guide helps you set a strong financial foundation, ensuring your children grow up with sound money management skills. Start early with practical strategies to instill lasting financial habits in your kids.

Join us on this episode of Tips for Change as we chat with Katey Ulrich about her dual roles at the University of South Dakota and XIX Brewing in Vermillion. Katey shares her journey, love for community, and how she balances her responsibilities.

Credit card debt can be overwhelming, but with the right strategies and a solid plan, you can start paying down credit card debt. Learn why people fall into debt, effective strategies for reducing it, and how to stay motivated throughout your journey to financial freedom.

Join us on this episode of Tips for Change with Maddie Peschong, a brand photographer and coach. Maddie shares her journey from weddings to brand photography, financial tips, and her approach to building a unique brand identity. Learn how she overcame challenges and continues to inspire small business owners.

Buying a new or used car is exciting, but understanding auto loan terms is crucial. Learn about key terms like interest rates, loan terms, down payments, fees, insurance, and warranties to make informed decisions. At Voyage Federal Credit Union, we provide competitive rates and personalized guidance to help you secure the best financing for your dream car.

We share three invaluable investment tips that don't receive the attention they deserve. These tips will set you on the path to a secure financial future.

Join us on this episode of Tips for Change as we explore the world of color analysis with Deb Vogel, owner of House of Colour. Learn how understanding your best colors can transform your wardrobe, boost your confidence, and lead to smarter shopping habits.

Join us to learn about auto loans through credit unions, including how to apply, get pre-approved, and refinance. Gain insights to make informed financial decisions.