Episodes

Making a list and checking it twice... with online shopping? On today’s episode, Carla is providing the ultimate crash course in cyber safety, just in time for the holidays! We are living in a world of convenience, and shopping online has become the norm. Well, with all good things, there must be one inconvenient truth, and that truth is... cyber criminals. Yes, they do exist, they are smooth as can be, and they’ll "getcha" if you’re not careful. So tune in and get ready to own the holiday seaso...

It’s officially the most wonderful time of the year! But let’s face it, as wonderful as the holidays may be, they can also become incredibly expensive and overwhelming. Typically behind the holly jolly parties, gifts, and baking sessions, lives credit card debt, overspending and poor financial decisions. This week, Carla is kicking off the season to help guide you and your bank account towards a more cheerful experience, so you can enjoy every moment to the fullest without getting wrapped up in ...

As November comes to a close and we wrap financial literacy month up in a beautiful bow, Carla is back on the mic to ensure you’re the sharpest tool in the tool shed when it comes to understanding your financial rights as a consumer. Remember that little welcome package your financial institution provided when you first opened your account? The one you probably never opened? No shame in that game! This week, Carla is simplifying the fine print, breaking down our financial rights and key responsi...

You know they say, "Two is better than one," and when it comes to today’s episode, we’d have to agree. Carla’s back on the mic with the other half of her dynamic duo from the Tandia team, the ever-so-talented Jay Rodriguez. Tune in as the two continue the financial literacy month festivities by sharing what you should consider before borrowing money, responsible borrowing, and how to land where you belong with your credit score. With no shortage of musical talent, the Batman and Robin of podcast...

Frenemies...we all have them! It's a complex type of relationship that has a tendency to loom over us, often serving as a royal pain in the behind. This week, Carla is taking on the ultimate frenemy we are all familiar with in some capacity—DEBT. We understand that it’s all fun and games initially, until you actually have to deal with it and you think to yourself, "Will this be around forever?" (Spice Girls reference—IYKYK). Fear not, Carla is here to arm you with the tips and tricks you need to...

In life, whether we like it or not, change is inevitable. Our daily lives are so chaotic that we typically don’t even realize our current financial picture until we’re forced to face it in times of stress. In honour of November being financial literacy month, Carla is giving it to you straight this week, providing a bit of relief and empowerment to help carry you through the uncertainty of our changing world. She’s your financial BFF after all and is here to share a few pointers, keep things rel...

BOO! Feeling spooked by the financial fears keeping you up at night? Fear not, because Carla has some good news...there’s hope (and lots of mini chocolate bars)! Welcome to the Halloween edition of Ask Us Anything, where we answer the questions submitted by you (anonymously, of course!) and put a spell on all the things that financially scare you. On this episode, Carla is laying your nocturnal worry cycle to rest—providing the tools and advice necessary to keep those haunting thoughts at bay. B...

You’ll say, we’ve got nothing in common, but this week, Carla begs to differ. On today’s episode, we’re jumping right back into our confessionals submitted by the Tandia community and exposing some of your juiciest financial secrets (anonymously, of course). But fear not, we can all relate to being personally victimized by an impulse purchase (or 4) at the HomeSense checkout, feeling ridiculous for leaning on your parents as an adult, and drowning in credit card debt without a clear roadmap. Wha...

Looks like we’ve made it...to 1 year of the podcast! To celebrate just how far we’ve come, in tandem with International Credit Union Day on October 20th, Carla is joined by none other than Tandia’s CEO, Richard Davies. With over 40 years of credit union experience under his belt, Richard shares the vast wealth of knowledge he’s accumulated within the field, highlighting the uniquely powerful nature of these institutions—past, present, and future. So raise a glass and let's celebrate these specia...

We are a year into the podcast (insert loud cheering here) and wanted to introduce you to that distinct voice you hear in the intro and outro of the show. If you thought it was Carla, she is flattered that you thought her voice acting skills were so incredible, but it’s not her, it’s Money! Money has been with Tandia for many years and was created to personify money, so it is less intimidating and more inviting, kind of like this podcast. This week, Carla shares the history of Tandia so you can ...

Let’s get down to banking business and empower our financial futures, shall we? A new month means a new theme so Carla’s back on the mic to officially deem October as the month of all things credit unions. In honour of International Credit Union Day on Thursday, October 20th, it’s time to celebrate the beauty of these fine institutions with an informative Q&A. Because seriously, what is the difference between a credit union and a bank? Find out for yourself by simply sitting back, relaxing, and ...

Got a secret? Can you keep it? On today’s episode, we are getting spicy as we share some dirty little financial secrets submitted by the Tandia community, anonymously of course. We polled the audience and the cash confessions rolled in with everything from overdraft nightmares to secret Starbucks spending to going bankrupt on Botox. Think of Carla as your financial hairdresser, or whoever you divulge your deepest secrets to, and feel free to submit your cash confessional to be featured on the ne...

Life is full of financial curveballs, and while you may not be the next Babe Ruth, Tandia can certainly help you take a fair swing at your finances. On today’s episode, Carla is joined by the Vice President of Member Solutions at Tandia Financial Credit Union, Shauna Wakeman, to discuss current and future market trends. They may not have a crystal ball, but Carla and Shauna have a few educational predictions that you don’t want to miss. Remember, advice is free, so don’t be scared to reach out t...

Do you know the difference between a credit card and a prepaid card? This week, Carla is heading back to credit basics and covering the ins and outs of the variety of cards available to Canadians. She shares the important questions to ask yourself before you sign that dotted line or make a big purchase with plastic. Credit can have a whole lot of benefits when used the right way, so tune in to build your credit confidence! P.S. If you are in the market for a new card, head over to tandia.com and...

This week, Carla is channeling her inner Delilah (American radio legend) and answering all your burning questions about finances. She discusses topics such as the best savings accounts, budgeting, the recession, and TFSAs for first-time home buyers. Thanks to everyone who submitted their questions to @tandiafinancialcreditunion and if you wish you were one of those people, make sure to submit them for the next episode of Ask Us Anything. Carla answers your burning questions, including: Which s...

Summer has come and past. This week is the equivalent of the Sunday scaries as we bid farewell to summer and creep our way into fall. Now fall has its perks too—pumpkin spice lattes, chunky sweaters, cozy scarves—you get the idea. But fall can also bring up those financial fears you’ve been hiding from all summer. Carla has been facing her own fears, some financial and some roller coaster related, and she is back on the mic to share the five most common money concerns and how to conquer each of ...

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...

Canada’s economic growth has fired on all cylinders following pandemic shutdowns, but a historic labour squeeze, soaring food and energy prices, and rising interest rates are now starting to close in. These pressures will likely push the economy into a moderate recession in 2023. But have no fear, Carla is here to explain the economic cycle and how a downturn eventually shifts to an upturn. This week, Carla focuses on the term "recession"; what it means, what causes it, and what ends it. Today’...

We are nearing the end of the dog days of summer and, unfortunately, that means the temperature is dropping and reality is beginning to kick in. As summer ends and September hits, we all feel the need to get back into a routine. Today’s episode is meant to signal an awakening and inspire you to reset, refocus, and revisit your financial goals. Carla shares her favourite budgeting tool so you can confidently plan the next few months of spending and fund those fantastic future plans you’ve been dr...

If you could go back in time and teach your younger self a lesson about money, what would it be? Maybe you would tell them to save more money, carry less debt, or learn more about their finances. Maybe you would tell them to listen to their mom more since, as it turns out, moms do know best. Well, since we don’t have a time machine (yet), Carla is back on the mic to teach you about the most effective and innovative ways to fund post-secondary education. The future is bright and every dollar coun...

It isn’t even August yet, and the back-to-school commercials and group chats have already begun. But, have you thought about back-to-post-secondary-school? It may seem like that day will never come, as you clean up the dirty dishes in the sink and do yet another load of laundry, but in the blink of an eye you’ll be dropping them off at university, holding back the tears. Carla is back on the mic to discuss the basics of Registered Education Savings Plans (RESPs) and how you can start budgeting a...

Have you been to a kid's birthday party lately?! Picture bouncy castles, pony rides, fun parks, magicians, high-end cakes, and the list goes on. Not to mention, there’s always some elaborate theme that requires a trip to the costume shop. Now, all of these things do sound like fun, but they come with a big price tag. On today’s episode, Carla discusses the line between generosity and parenting, and how you can set realistic spending expectations with your children (life lesson alert). The moral ...

As of May 31, 2022, there have been over 37k reports of fraud, which has equated to 207 million dollars (yes, you read that right!) lost to fraud in Canada alone. We are wrapping up our fraud themed episodes by bringing back certified cybercrimes investigator Rachel Jolicoeur to share the top scams of 2022 and how you can protect yourself from fraudsters and catfishers. Make sure to share this episode with a friend so everyone can relax this summer and avoid getting swindled in their own backyar...

We've got a feeling that tonight’s gonna be a good night, but with the summer jams, family vacations, and patio drinks comes the big dent in your wallet (psst... don’t tell Carla). With summer in full swing, the cost of having fun tends to build up fast (along with that sweet tan), so Carla is back with some budget-friendly tips and tricks to save your summer wallet. So lather on the sunscreen and get ready to create some of your own fun, memorable, and affordable moments this summer. Today’s t...