The holidays should bring joy, not a pile of post-season debt. From early deal-hunting and creative gift ideas to making the most of your Voyage rewards, these simple strategies will help you celebrate to the fullest without overspending.

Want to boost your credit score? Start with your credit utilization.
This key number—how much of your available credit you’re using—can make a big difference in how lenders see you. In fact, it’s one of the fastest ways to improve your score. In this post, we’ll break down what credit utilization is, how to lower it, and how tools from Voyage can help you stay on track.

In this episode of Tips for Change, Melissa Webb, Women’s Program Manager at EmBe, shares how financial education is helping women in our communities take control of their money and their futures. From personalized support to practical tools like the Making Cent$ course, this conversation is all about meeting women where they are. 

Sydney Chapman, Assistant Director of Financial Aid at South Dakota State University, breaks down the essentials of receiving financial aid and filling out the FAFSA. Learn what’s fact and what’s fiction so you can confidently navigate your aid application. 

Wondering how much to save for an emergency fund? Learn how to base your savings on living expenses and income stability, with tips and resources from Voyage Federal Credit Union.

Downtown Sioux Falls isn’t just growing — it’s thriving. In this episode of Tips for Change, Brandon Hanson shares how intentional planning, local partnerships, and a passion for community have helped DTSF become a hub of culture, business, and walkable charm. From annual events to new developments, this conversation highlights what’s driving momentum downtown and why the future looks bright.

In this episode of Tips for Change, Jim Nussle and Anthony Demangone discuss the evolving credit union landscape, leadership rooted in listening, and why this movement continues to thrive by staying true to its people-first mission.

Traveling this summer? With the right saving strategies, you can budget wisely, track your spending, and make every dollar go further. Whether you’re using mobile banking to stay on top of expenses, earn rewards, or find the best deals, these travel tips will help you save

In this episode of Tips for Change, James Paye, Finance Manager at Dells Auto, breaks down the car buying process from start to finish. Whether you're shopping for your first car or considering an upgrade, James offers expert insights into financing, market trends, and how to navigate today’s auto industry with confidence.

Spring clean your finances with expert budgeting and debt management tips. Track your spending, create a budget, prioritize debt repayment, and use our calculators to manage money effectively. Voyage Federal Credit Union offers tools to help with budgeting, debt reduction, and long-term financial success.

In this episode of Tips for Change, real estate experts Kerry Trimble-Woehl and Corey Hunhoff discuss the ins and outs of real estate investment, from the initial steps to long-term strategies. Whether you're considering your first rental property or exploring creative investment opportunities, this episode provides valuable insights into building wealth, financing options, and navigating the market. Tune in for practical advice and inspiring success stories from two industry professionals.

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.