Drew Thomas 0:12
All right, so here we are once again with a 2 Cents episode, with myself and Jeff Matevish.
Jeff Matevish 0:19
Hey Drew, how's it going?
Drew Thomas 0:20
Good, good, how are you doing?
Jeff Matevish 0:21
Not too bad. Not bad.
Drew Thomas 0:23
Yeah, we haven't talked in a month. No.
Drew Thomas 0:27
We, we talk more often than that. Yeah. So, this 2 Cents, we kind of said, this is Jeff's idea. I'm just going to be, you know, full disclosure. This was Jeff's point of view, because we were looking at, or thinking about our most recent Bank Chats episode, which we just released a couple of weeks ago, if you haven't listened to it, go listen to it. It is a sit down with AmeriServ's president and CEO, Jeff Stopko. We talk about interest rates, and how that affects you both from a deposit standpoint, when you're putting money into the bank, how you can earn interest, as well as when you're making loan payments to your credit card or the bank and you're paying interest. And we sort of touch in that episode a little bit on inflation. And it got us thinking about how do you, how do you try to save some money around here. Because yeah, I mean, my gosh, it's ridiculous, in some ways, when you go to the grocery store, or some, almost anywhere, any anything. Yeah. So, I went back and just, just for the sake of being able to say that we provided you some hard, concrete information, in this episode, I went back and looked at inflation rates dating back to 2016. So, we're going back eight years, right? So, from 2016 to 2020, inflation was pretty much at 2% every year. There was a couple, there was one that was 2.3%, one was 1.9%, it was basically 2%.
Jeff Matevish 1:42
According to Jeff, that was standard. Yeah, yeah.
Drew Thomas 1:44
Which is great. Because if you are a good employee, and you're getting an annual cost of living increase on your performance review, or whatever, and you're getting 2.5% or 3% increase, then you're at least keeping pace with the cost increases of the stuff you buy, and maybe even making a little more money. Yeah, right over top of it. Unfortunately, there was this thing called the pandemic, I don't know if you've heard of it. And in 2021, inflation was 7%. In 2022, the annual average was 6.5%. Those were numbers that had not been seen since the early 1980s. So, you had to go back 40 years or so to like 1980, 1981 to see an annual inflation rate that high, which is, on the one hand, good, because it means our economy for the last 40 years has been pretty decent. Yeah, overall, no matter what, whatever politician might tell you in an election year, but generally speaking, it has been pretty decent for the last 40 years. Now, last year was down to about 3.4%, so far this year, also about 3.4%. So, again, not bad. Yeah, yeah, it's coming down. Yeah. Right. But it's still high. And you got to find ways to try to save some money, because honestly, you're still not outpacing, unless you've got like a promotion or a significant increase, or you change jobs. Chances are your buying power is still lower today than it was in 2020.
Jeff Matevish 3:02
Some of us are still recovering from the pandemic. Yeah, just trying to make that money back. Right. Yeah.
Drew Thomas 3:07
That's I mean, you're still, your buying power still is not as high as it was four years ago. Yeah. Right. So, so let's talk a little bit about how you'd save some money, right. And so, Jeff made us a list, and we're just going to kind of go down through this. So, so first of all, first of all, make a budget. So, we actually did a podcast about this, you know, making a budget and how you can do that. And how do you do your budgeting? Do you...
Jeff Matevish 3:27
I'm a cash guy. So okay, when I do, when I do my budgeting, I take out a certain amount of cash for the week, and that's pretty much daily spending is cash.
Drew Thomas 3:37
Do you subtract your bills and stuff like that? And then whatever's left over, you divvied out for like two weeks or three weeks? Yeah. Okay. Yeah. Yeah. I mean, that's, that's a pretty simple way to do it, and it's a very effective way to do it. Because when you run out of cash, you run out of money.
Jeff Matevish 3:49
And I got something tangible you know, I can, I can see how much I have left.
Drew Thomas 3:53
Yeah, do you get, so here, let me ask you this. Do you get big bills or small bills?
Jeff Matevish 3:57
Ah, whatever the ATM shoots out, okay.
Drew Thomas 4:00
See, because I've noticed that for me personally, there's this like, mental thing where if I have a $20 [bill], I'm less likely to want to break it. If I have a $50 [bill] I'm really less likely.
Jeff Matevish 4:09
Oh, yeah, I'm the same way. Yeah, right. Yeah.
Drew Thomas 4:12
So, it's sort of this thing, it's like, well, I could buy that, but I gotta break the $50 [bill].
Jeff Matevish 4:16
But I actually, I go both ways then too. Because if I have a higher bill like a $50 [bill]. It's like, Ah, I have to break this. If I want to buy $1 thing. I don't want to break it on $1 thing, so I'll go find something, so that might not be a great thing for me, but yeah. I guess $20s are kind of my, my cup of tea.
Drew Thomas 4:34
Yeah, I could see that way too. Definitely. I think Kerri Mueller was the one that we talked about budgeting on if you go back and listen to that and podcast, and she even talked about the envelope method where if you're a cash person you can...
Jeff Matevish 4:46
Same thing. Yeah.
Drew Thomas 4:47
Yeah. You can literally have envelopes labeled like electric bill, water bill, and you put that amount of money in from when you get paid, you know, and then whatever's in that envelope, that's what it's for. Right? But right now, things like groceries and things like that maybe, you might have to put a few more dollars in there.
Jeff Matevish 5:02
Yeah, gas, all that, yeah. How do you budget?
Drew Thomas 5:05
I'm a digital person. So, like, I have an Excel spreadsheet that has all of my bills on it. I like the auto calculation, so I have calculation fields in there. So, if my water bill goes up, and I change the water bill, then it automatically calculates how much I have left for the week, based on like, my income, and all that kind of stuff. So, it kind of gives me a running total, like, okay, I can spend this much on an average week. Yeah. And if I change, and then I usually go in maybe once every three months and adjust it because things change. Yeah, you know, I'm also OCD enough that I will go in and use my, you can use online banking, and you can actually, there's a search in there where you can search for transaction names. So, you can search for any transaction that says, you know, Giant Eagle, or Walmart. And then I add it up, and I know how much I spend at those grocery stores or whatever. Yeah, and then I do like an average. And so, I know like for the last six months...
Jeff Matevish 5:56
This is what I'm, this is what we spend on groceries. Yeah.
Drew Thomas 5:59
This is what we've spent at Walmart on average for the last six months. Yeah. But that's way more complicated than you have to be.
Jeff Matevish 6:04
Yeah, we do that too, sometimes. But we do it, we keep receipts, you know?
Drew Thomas 6:09
Yeah. I'm not disciplined enough to keep receipts, that's my thing.
Jeff Matevish 6:13
No that's the wife, that's not me.
Drew Thomas 6:14
Okay. I have, when I go through the drive up, and they're like, do you want the receipt? I'm like, are you going to chase me down and make me prove that I bought my cheeseburger? Like, I don't want the receipt, I'm good. So, speaking of shopping, you also have on your craft a shopping list? Yes. So, talk about that.
Jeff Matevish 6:30
That's big. If you don't have a shopping list, you may end up buying something that you don't need, or you may forget something that you did need, and then you got to go back to the store and you're wasting gas at that point. It's true. Yeah. I mean, a shopping list definitely helps. And time management, you know, yeah, I've, I can't tell you how many times I've walked around a store for two or three times longer than when I needed to. Yeah, if I would have had a list.
Drew Thomas 6:54
Yeah, that's a good point. You're less inclined to buy stuff that wasn't on the list, then. Yeah.
Jeff Matevish 6:59
There's no, there's less impulse buying.
Drew Thomas 7:01
Yeah. Yeah. And you know what? Here's the other thing like for me, personally, don't go to the grocery store hungry. No, never. Don't go hungry. Because you're going to buy stuff you don't need.
Jeff Matevish 7:10
The opposite too. I've been at the grocery store when I'm too full, like after dinner. I don't even want to look at food. Yeah. Yeah, we end up walking out with nothing and it's a wasted trip anyway.
Drew Thomas 7:20
Yeah. Yeah. So, when you're at the store, clip coupons and compare prices, so yeah, so Sunday paper, look through the coupons, circulars. Do you still get a Sunday paper?
Jeff Matevish 7:31
They have them. I don't, I don't personally.
Drew Thomas 7:33
I don't, yeah, I don't get the paper, the physical paper. I do, I do read it digitally online. I have a digital subscription. But now I will say too, like in our area, and this, you know, your mileage may vary depending on where you're listening to this. But in our area, a lot of the coupons now come by mail. They like get put in your mailbox, because people don't get the Sunday paper to get the coupons. Yeah, yeah. So, but a lot of the coupons I get are not, I don't get that many coupons for stuff at the store anymore. I get for like Arby's.
Jeff Matevish 8:01
Yeah. We get flyers more than coupons. Yeah. So, you know what's on sale versus, you know...
Drew Thomas 8:08
Which is also a good thing. Yeah. I mean, especially if you take the flyer with you. And you can kind of see, like, you know, if one brand of macaroni and cheese is on sale this week, buy that. Yeah, you know, I also say like, when you say here, compare prices, I also think that sometimes you got to be careful about the bulk sales. So, I'll give you an example. We were at the store the other day, and we needed soda, right? And they have this big sign up there that says, like, cubes of soda, right? Everybody knows where the cubes come from, but we'll just say cubes of soda, were, I think it was two for $20 bucks, or something like that. Which sounded reasonable, until you realized that if you bought the 12 packs, they were four for $15. And it was like, well, I'm getting the same amount of soda. But I'm spending $5 less because I'm buying four separate pieces instead of two. Yeah, yeah. Right. So, you got to be aware of that.
Jeff Matevish 9:03
So, my mom taught me when I was younger, to always look at the unit price on a, on a price tag, in a store. You know, it may look like a great deal until you read that unit price. And compare it to, you know, a bigger version or a smaller version of the same thing, and, and it'll tell you, you know, what's a better deal, really.
Drew Thomas 9:20
Yeah, that's a good point. Because just because it says family size doesn't necessarily make it better. Yeah, sometimes you can buy two of the smaller ones and get the same amount for less money.
Jeff Matevish 9:29
You got it.
Drew Thomas 9:30
Yeah, so I guess that leads right into your next one here, which is shop smarter at the grocery store. Right? So, cutting back on grocery shopping overall, using up what you have.
Jeff Matevish 9:39
Yeah, that's a big one, it reduces waste. Yeah, yeah.
Drew Thomas 9:43
My wife is notorious for this, and she doesn't listen to the podcast so I can tell you. So, our kitchen is relatively small. The house was built in the 40s, it's not the galley kitchen, but it's smaller. Right. So, and a lot of the cupboard space in the kitchen is taken up with pots and pans instead of like, there's really no pantry. So, while we do have some cupboards with food in them, some of the excess, like the extra jars of spaghetti sauce and boxes macaroni and cheese and things like that they end up downstairs on like a wire shelf. And invariably she forgets they exist. Yeah. Once it goes down there it goes into this never Neverland. It does not exist. And then she'll come home with groceries, and I'll be like, we already have three containers of chicken broth. Like why?
Jeff Matevish 10:30
We are guilty as well. Same thing. Yep.
Drew Thomas 10:33
So, yeah, check what you have before you buy more. Yeah, is yeah.
Jeff Matevish 10:37
Eat everything in the freezer. I mean, yeah.
Drew Thomas 10:40
You know, and you can have fun with that, too. Like, sometimes you end up with a little bit of bag of this little bit of bag of that. Like, we've had, you know, like, clean out the freezer night when we have pizza rolls, a TV dinner, or something else. Yeah, whatever, whatever is it we just throw it all in the oven. And then just it's kind of like a smorgasbord. You just have like, appetizers for dinner. That works too. Because that happens a lot too. You're like, I don't want to make the whole bag of pizza rolls because I don't, I don't want to be a pig.
Jeff Matevish 11:06
Or, I need meat for dinner, and I don't have time to thaw it out, so I'm gonna go buy fresh and then you keep stockpiling meat.
Drew Thomas 11:13
That's a big deal, you're right. You're absolutely right. We have a lot of frozen hamburger in there because something comes up at the last minute, you throw it in the freezer, and then you go to use it and you're like, ah. Yeah, so you go buy more hamburger. Yeah. So, that's a good point. This is a big one, this is, this is a big one. Pack your lunch. Yes. Do you pack your, you pack your lunch.
Jeff Matevish 11:32
Every day. I pack my lunch here. Yep.
Drew Thomas 11:34
Yeah, I think that's a big one, people. Because when you're buying your lunch, and I used to say $5, but you know what, let's face it with inflation and stuff, it's not $5 at your general fast-food joint anymore to buy a meal a meal, right? But even if it were still $5 and you're doing that five days a week, people don't think about it because it's only $5 at a time, but that's $100 a month. Yeah, it's $100 a month. Yeah.
Jeff Matevish 12:00
So, that's for lunch. Think about coffee. People buy coffee daily. I mean, same thing. Brew your own coffee at home, that's what I do. Yeah. Bring it to work.
Drew Thomas 12:10
Yep. I mean, I have a coffee pot on my desk. Yeah, you know me I can't, I can't live. You and I see each other, the first thing I'm doing is getting coffee in the morning. So, that's yeah, that's another one. So, I mean, between brewing your own coffee and packing your lunch, yeah, you could probably save a couple 100 bucks a month easy.
Jeff Matevish 12:27
Save money and could be healthier. I mean, I tend to eat healthier whenever I make my own food. So yeah.
Drew Thomas 12:33
And you know, you can make it ahead of time too. You can throw a salad together the night before, throw it in the fridge. It's ready to go for you in the morning. So, it's quick.
Jeff Matevish 12:40
Yeah. Make enough at dinner for leftovers. I'm big on leftovers.
Drew Thomas 12:44
See I'm a big leftover person, yeah, yeah. Yeah, I'm the left[over], but I'm the only one in the house that eats the leftovers.
Jeff Matevish 12:44
I have leftover Fettuccine Alfredo in the fridge for lunch today, so.
Drew Thomas 12:54
There you go. Yeah. Nice. Sometimes we'll do the little, like the Lean Cuisines, because they're small enough like for lunch they're not that big, and sometimes you can get them on a good deal. You get it for like $2.
Jeff Matevish 13:05
Yeah. Use your coupons.
Drew Thomas 13:06
Yeah. And so, you know, we each buy three or four for the week, you know, or whatever. And $16 buys you lunch for the week. Yeah. You know, it's not bad. Yeah. Yeah. For two people. Yeah. That's not even just for you. That's just for, that's for two people, which isn't bad. Cancel email deals and sale alerts. Yeah, we had, we talked about this, didn't we, like with subscriptions and things like that?
Jeff Matevish 13:28
This is another one of my wife's, it's not me. Yeah, I haven't been to CVS, Michaels, or what's the other one? Bath and Body works, more than in the last six months, because she got on some mailing list. And there's always some deal whether you need it or not. There's always some deal.
Drew Thomas 13:45
Yeah, yeah, that's a good point and turn the notifications off on your phone. Because you get the notifications on your phone, it's like it's National Pizza Day, there's like 12 National Pizza days a year apparently, according to, you know, Domino's or Pizza Hut or whatever. Here's the other thing that I think is funny. And I'm not going to name a name because I'm not trying to disparage the company. But there's a store, it's a big box store. And a lot of times they'll run this deal where they'll say if you us your store credit card, you can take 5% off anytime. Okay, if you put it on your store credit card, okay. I have that store credit card because we bought a refrigerator there. But I got a deal where they were offering a particular interest rate and so whatever. But I looked at my bill, I looked at my statement, the last time. The interest rate on that particular card, as of the last time I looked at my statement, was over 30%. Whoa. Over 30%. Wow. The 5% I'm saving on whatever I'm buying is nothing compared to how much they're going to earn it interest, no. So, be aware of that stuff.
Jeff Matevish 13:45
So, that's a good card if you are, you know, you pay your card off every month or you're trying to build credit by and small things, you know.
Drew Thomas 14:02
Yeah, as long as you're paying it off with every statement, then, then 5% works. But if you're carrying a balance, man, be careful. Be careful because it's easy for them to offer you 5% off whatever you're buying when they're charging you 30% interest. Yeah, buy things used. We bought our house about three years ago. And I was looking at lawn mowers, and I'm looking again because I'm desperate. I'm in desperate need of a mulching lawnmower. I just... But when we bought the house, I bought our first lawn mower on Facebook marketplace. And it's been great. Oh, yeah. And it was a fourth of the price. Now you gotta be careful when you're buying stuff on things like Facebook marketplace that you're exchanging your money for the goods in a public area where safe and all that kind of stuff, but buying stuff used...
Jeff Matevish 15:37
Yeah, I used to buy on Craigslist all the time. That's the scary one.
Drew Thomas 15:37
Yeah. Craigslist. Oh, man. Does currently still exist. I don't know. I don't know if Craigslist still exists or not.
Jeff Matevish 15:46
Now that Facebook has a marketplace, I mean, that's kind of taken over. Yeah, that's a market you know.
Drew Thomas 15:51
Yeah. But there's other stores out there.
Jeff Matevish 15:53
There's like thrift stores, your Goodwill's and stuff.
Drew Thomas 15:55
Sure, yeah. And, you know, everybody donates to Goodwill, but you're allowed to buy there, too. Yeah, you know, and you're supporting a charity, or a nonprofit. Right, right. So, when my stepdaughter graduated from high school, we did this sort of candy bar at her graduation party, right. So, we had all these different candies, like Skittles, and M&Ms and all this good stuff. And we put them up on this big table and people could take what they wanted. Yeah. But we needed stuff to put them in, so we went to the local Goodwill, and we found a whole bunch of glass dishes. Oh, there you go. And it was great. Like we spent, I don't know, $15 on like, 30 of these things. And when we were done with them, we washed them out, we donate them back. There you go. You know what I mean? Yeah, but it was, it was great. I mean, compared to go into a store and buying brand new. Why? Yeah, just clean them up, and you're good to go. Yeah. What else do you buy used? You buy anything used?
Jeff Matevish 16:47
Not recently, not recently. I know, I know like, I see on my Facebook, at least it's flooded with baby stuff all the time. So, you have an infant that's using something for a few months until they grow out of it. Yeah, half that stuff looks brand new, right? Yeah. Yeah.
Drew Thomas 17:04
Yeah. And if you're not a family, that's got another one cookin', yeah, or at least planning on having another one. If you, if you know that this is your last child or something like that. Yeah, you could sell that. And you're right, most of those clothes haven't been worn that much because they grow so fast. Yeah, yeah. What you got next?
Jeff Matevish 17:20
Drive less bike more. No thank you, but that's a good one.
Drew Thomas 17:26
We live in mountainous country around here, so biking is difficult sometimes, but yeah. I don't want to arrive at work needing a shower. Yeah, we don't have a gym here, so yeah.
Jeff Matevish 17:35
But yeah, that's it's true. I mean, especially now that the weather's getting better. Yeah. If you need to go somewhere that's local, at least around here, you know, and you have a bike.
Drew Thomas 17:45
Yeah, save the gas. Yes. Yeah, exactly. Yeah. Next, what do we got?
Jeff Matevish 17:49
Evaluate your utilities and services. We had one of these earlier this year, a podcast on subscriptions and stuff.
Drew Thomas 17:57
Oh, yeah. On trying to cancel that stuff whenever you're not using it.
Jeff Matevish 18:00
If you don't need a streaming service, don't use it or call your utility company and see if you can renegotiate your contract or your pricing. See if they have anything better for you.
Drew Thomas 18:09
That's a good point. A lot of places will work with you. You know, especially if you tell them you're leaving for a competitor, sometimes all the sudden there's a better price. Oh, yeah. I think you said you ran into that with Sirius XM, right? I had a relative Yeah, yeah. Yeah, same thing. Yeah. Yeah, I actually just, we're experimenting right now with streaming TV, like live TV, because our cable bill just, it just keeps going up and up and up and up. And even though a lot of the streaming providers prices have also gone up over the years, they haven't gone up as drastically as the cable price has. And so, um...
Jeff Matevish 18:45
And that's what I do. I do the streaming TV.
Drew Thomas 18:47
Who do you use?
Jeff Matevish 18:48
Sling.
Drew Thomas 18:49
Sling? Nice. Yeah, I was looking at Hulu live it's not too bad. Because we already have Hulu, so I'm kind of, you get a bundle deal if you, so I'm actually getting a little bit of a price break that way, but...
Jeff Matevish 18:59
And they all have, they have their strengths and weaknesses. I mean, yeah, if you like local channels, certain services don't have them. Or if yeah, you like this kind of channel they don't have, so yeah. Do your research. Yeah.
Drew and Jeff 19:10
A lot of people do forget too, I mean, depending on where you live, right, you can still pull in High-Definition locals usually off an antenna. Oh, I do. And that's free.
Jeff Matevish 19:18
I do, my whole house is on antenna. Just so I can get local news because I'm that guy in the morning that needs his coffee and to watch his local news. Yes, yeah.
Drew Thomas 19:26
So, if that's really all you're after, for your local channels, yeah, you know, check into an antenna. You never know, it might work for you. Yeah. And then it doesn't cost you a dime. Yep. Save before you spend and talk about that.
Jeff Matevish 19:37
Don't go blow your paycheck as soon as you get it.
Drew Thomas 19:40
Good advice.
Jeff Matevish 19:41
Put some money aside for an emergency or if you really want something, do your research, so you don't just go spend all of your money at one time on something you didn't need or there was a better deal on. Yeah, yeah.
Drew Thomas 19:54
Yeah. My dad told me whenever I was getting of an age where I was going to start managing my own money. You know, his advice to me was treat yourself like a bill. Okay, you pay your electric bill, you pay your water bill, you can you Yeah. Right, because you put that into a savings account, you know, and if you're young and you're not making that much money, even if you're putting $5 into your savings account, it's better than zero. Yeah. And as you get older, as you move up in your career, you're making more money. You know, obviously, you should try to put away more than $5. But treat yourself like a bill. Yeah, you know, and don't, don't let yourself off the hook. Like you've got to pay that bill.
Jeff Matevish 20:29
Good mentality. Yeah.
Drew Thomas 20:31
And then the last thing you have on here, and I think this is very pertinent for this time of year as we, I mean, again, we say that because we're recording this in June, but maybe you're listening to it in December, and maybe you'd like to vacation in December, I don't know. But vacation smart. Yeah. Right. So, make sure you're checking for the best deals, the best hotel prices, things like that. Or maybe you take a staycation; don't spend $2,000 on a, on a week's vacation or something like that, you know.
Jeff Matevish 20:56
Go camping, I mean, if you want to save some money on a hotel, and you have the ability to go camping, go camping.
Drew Thomas 21:02
Yeah. We've done in the past where we just we kind of like stayed home for the week, but we do day trips. Yeah. So, you know, if we can drive there in two hours, you know.
Jeff Matevish 21:14
Still something different that you don't normally do.
Drew Thomas 21:15
Yeah, you know, and you spend the day, and you find yourself a nice place to eat. But you're staying at home, you're not spending $150-$250 a night to stay in a hotel.
Jeff Matevish 21:15
Yeah, I think that's becoming more popular too.
Drew Thomas 21:26
Yeah. So, I mean, everybody loves going to the beach, but it's not always cheap.
Jeff Matevish 21:31
That's for sure. Or if you're going to, consider going in the offseason, I mean, don't go at the peak of tourist season.
Drew Thomas 21:38
That is a very good point, because I got to tell you, between Memorial Day and Labor Day, and then you look at the prices from Labor Day to Memorial Day like that, they're night and day. And I mean, it's like a third Oh, yeah. of the price. Yeah. And a lot of those places, especially the further south you go, it's still warm. If you can go in October, it's still warm.
Jeff Matevish 21:58
Yeah, book your flights early. That's another good one.
Drew Thomas 22:01
Yeah, yeah. Yeah, I think this is a great list. I mean, I think these are definitely things that even if you can do one or two of them, it really helps.
Jeff Matevish 22:08
You're going to save something.
Drew Thomas 22:08
Try to save some money and you know, find ways to stretch that dollar a little bit. Yeah. That being said, I'm gonna go pour myself another cup of coffee for my coffee maker.
Jeff Matevish 22:19
I'm gonna go have my lunch out of the fridge.
Drew Thomas 22:22
Alright, thanks.
Jeff Matevish 22:23
Alright, we'll see you later, Drew.
Drew Thomas 22:32
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts with the goal of helping to take some of the mystery out of financial and related topics, as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast and any resources available for download from our website or other resources relating to Bank Chats, is not intended and should not be understood or interpreted to be financial advice. The host, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The host of Bank Chats is not an attorney, accountant, or financial advisor, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation.
Drew Thomas 23:39
Thank you for listening. Please check out our full library of episodes which can be found on the ameriserv.com website. You can also download or stream the podcast from your favorite podcast app.
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So, everything is too expensive these days and you want to save some money? We have you covered. On this episode of 2 Cents, Drew and Jeff run through a list of tips and tricks that could help keep more of your money in your pocket.
Credits:
An AmeriServ Financial, Inc. Production
Music by Rattlesnake and Millo
Hosted by Drew Thomas and Jeffrey Matevish
Economic Survival Guide: Practical Tips for Everyday Savings
View VideoDISCLAIMER
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The host, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The host of Bank Chats is not an attorney, accountant, or financial advisor, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated.