Clear Money Program

Sarae is joined by Amy Fidelis, Marketing & Education Director at mpowered to talk about whether Black Friday deals are really a bargain and discuss holiday shopping tips to avoid overspending and impulse buying.

Are you an aspiring business owner?  Sarae is joined by Benjamin Weeda, Co-Founder and Client Outreach Manager with the Rocky Mountain MicroFinance Institute (RMMFI), to discuss how you can build a solid personal foundation to set yourself up for success when launching a business.  Learn what most entrepreneurs fail to plan for and what you need to consider to succeed. To listen to the rest of this 4-part entrepreneurship series, which includes how to craft a realistic vision for your business that remains true to your big ambitions, how to move closer to your vision of success from where you are now, and more, visit our business services page at www.blogtalkradio.com/denvercommunitybusiness

On this program, Sarae speaks with Rachael Dudley, Marketing Coordinator at Denver Community Credit Union about tactics for keeping your personal information safe to avoid becoming a victim of identity theft and fraud. Avoid using the following passwords: "Worst Passwords" List

Mr. Shannon Peer, Director of Housing Counseling at Brothers Redevelopment, joins us to discuss a new community resource that connects Colorado residents to appropriate housing services for homeowners and renters through one central source: Colorado Housing Connects.  Denver Community Credit Union is an Equal Housing Lender. 

Sarae talks with Carlos Colón, Bilingual Personal Finance Coach at mpowered, about what you need to know to determine if you are eligible for teacher student loan forgiveness. We also discuss how to decide which option to use if you qualify for both the Public Service Loan Forgiveness Program and the Teacher Loan Forgiveness Program, and whether it is possible to take advantage of both. For more details about the federal Teacher Loan Forgiveness Program, visit studentaid.ed.gov/tc. 

Sarae talks with Carlos Colón, Bilingual Personal Finance Coach at mpowered, about what you need to know to determine if you qualify for public service student loan forgiveness.  For more details about public service student loan forgiveness, visit studentaid.ed.gov/publicservice.  To access the Employment Certification form to track your employment eligibibility (you will want to fill this out for each public service job you have while making qualifying payments), click here.

Sarae speaks with Lindsay Gafford, Homebuyer Education Instructor and Special Projects Coordinator with Brothers Redevelopment, about what to do if you are going to fall behind on your mortgage payments and what free resources are available to home owners who are in need of assistance. If you are in the Denver area and want to schedule a free financial coaching session, contact Sarae at skurth@denvercommunity.coop.   Denver Community Credit Union is an Equal Housing Lender. 

Sarae talks with Carlos Colón, Bilingual Personal Finance Coach at mpowered, about student loan repayment plans.  Find out what student loan repayment options are available based on your income.  Click here for a repayment calculator that will estimate your monthly payments using each of the student loan repayment plans we discussed. For more details about the student loan repayment plans we covered, visit studentaid.ed.gov.

Sarae speaks with Carlos Colón, Bilingual Personal Finance Coach at mpowered, about student loan repayment plans.  Learn about what student loan repayment options are available that are not based on your income.  Click here for a repayment calculator that will estimate your monthly payments using some of the student loan repayment plans we discussed. For more details about the student loan repayment plans we covered, visit studentaid.ed.gov.

Sarae is joined by Amy Fidelis, Marketing & Education Director at mpowered to talk about how to create a budget you and your partner can agree on.  Click here to see a related blog post here. 

Sarae is joined by Amy Fidelis, Marketing & Education Director at mpowered to discuss strategies for talking to your partner about money.  Click here to see a related blog post.   

Sarae talks with Lindsay Gafford, Homebuyer Education Instructor and Special Projects Coordinator with Brothers Redevelopment, about what you can do to be better prepared for the home buying process, including what your ideal debt-to-income ratio and credit score should be to qualify for a mortgage. *Correction (to the audio): Brothers Redevelopment's phone number is 303-202-6340 If you are in the Denver area and want to schedule a free financial coaching session, contact Sarae at skurth@denvercommunity.coop.  Denver Community Credit Union is an Equal Housing Lender. 

Sarae talks with Liz Ludchak, Personal Finance Coach at mpowered, about which types of debt are and are not dischargeable (forgivable) in bankruptcy filings. *Please note that there was a technical glitch during the podcast recording so the audio starts at 23 seconds (feel free to skip ahead to that point!)*

Sarae is joined by Liz Ludchak, Personal Finance Coach at mpowered, to talk about the differences between Chapter 7 and Chapter 13 bankruptcy.

Sarae talks with Amy Fidelis, Marketing & Education Director at mpowered, about how secured credit cards work, who they can benefit, and how to best use them to build or improve your credit. If you are in the Denver area and want to schedule a free financial coaching session, contact Sarae at skurth@denvercommunity.coop. 

Sarae chats with Amy Fidelis, Marketing & Education Director at mpowered, who shares tips to avoid trashing your credit and overspending during the holiday season. If you are in the Denver area and want to schedule a free financial coaching session, contact Sarae at skurth@denvercommunity.coop. 

Sarae talks with Amy Fidelis, Marketing & Education Director at mpowered, about why you should think twice before signing up for retail/store credits.  Even with an average interest rate of 23.43% (as of the end of 2015), there's a lot more to consider in terms of your credit health before opening a retail credit card. If you are in the Denver area and want to schedule a free financial coaching session, contact Sarae at skurth@denvercommunity.coop. 

Sarae is joined by Chad Otto to discuss what you need to know about homeowners' insurance, including how liability coverage works and the extent to which your personal belongings are covered. Mr. Otto is a Life Underwriter Training Council Fellow (LUTCF) and an experienced insurance salesman with Liberty Mutual Insurance.

Sarae is joined by Chad Otto to discuss what you need to know about renters' insurance, including how liability coverage works and the extent to which your personal belongings are covered. Mr. Otto is a Life Underwriter Training Council Fellow (LUTCF) and an experienced insurance salesman with Liberty Mutual Insurance.

Sarae is joined by Kristi Brouillette, Denver Community’s Mortgage Loan Officer, to discuss the ins and outs of HELOCs (Home Equity Lines of Credit)--how they work, drawing options, and more.