If you have limited savings or less-than-perfect credit, the dream of owning your own home may feel out of reach. You’re not alone, but don’t think you’re out of luck either. FHA loans are designed to help people with these challenges achieve the goal of homeownership by providing a mortgage that may work with their financial situation.
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Your home is your castle—and castle upkeep can be expensive. But with a little know-how and effort, you can enjoy your home without emptying your wallet. Using less energy, decorating on a budget, taking care of small problems before they become big ones, and doing basic home renovations and repairs yourself can help you keep your home costs down. Sound good? Then this guide is for you.
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From monthly checking account fees to surprise ATM surcharges, Americans are paying way too much for their banking. If you’ve ever gotten an unexpected bank charge—or a few of them—you know how it feels. That money could be put to better use, whether it’s to pay for a nice meal or stash away in your savings. If your New Year’s resolution is to save money, knowing about these eight common banking fees and how to avoid them is a great first step.
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Here at American Heritage Credit Union, we’re grateful for all that our servicemen and women do for our country every day. If you’re a member of the armed forces, the military lifestyle and return to civilian life can come with unique financial needs, and some valuable opportunities. Here are a few tips that can support your financial wellbeing in the military and beyond.
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The right loan or credit card can give you more financial freedom and open up exciting opportunities – from traveling the world to buying your first car or home. But borrowing money is a big responsibility, and it’s not a decision you should make lightly. Failing to use credit responsibly can damage your credit or lead to serious financial problems.
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As a homeowner, you know that taking care of your house is the best way to maintain its value. But even a house that’s in good working order can look drab or uninviting from the outside. If you’re planning to sell in the near future, that could affect your home’s selling price. That’s why many real estate agents put a big emphasis on curb appeal.
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It’s no surprise the credit and debit cards are so popular. They’re simple, easy to use, and accepted almost everywhere. But this popularity has also made them a common target for thieves and fraudsters. According to the FTC, in 2020 alone, nearly 400,000 people fell victim to credit card fraud. The consequences can be serious, from financial loss to damage to your credit (not to mention the stress).
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Getting married is an exciting time. From announcing the news to your friends and family, to planning a wedding and honeymoon during these uncertain times, you’ve got a lot to think about. So it can be easy to overlook one of the most important subjects that affects newly married couples: money. Whether you are recently engaged or about to say “I do,” make sure that you and your significant other are on the same page when it comes to your financial future as a couple.
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There are lots of reasons to love the holidays: the lights, the gifts, the time with family. But here’s something you probably don’t love: a big credit card bill or low checking account balance to start the new year. By some estimates, the average American spends around $1,000 on holiday expenses. However, with a little planning and smart purchases, it’s possible to enjoy lots of holiday fun without spending lots of money.
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Whether you’re planning for an average weeknight dinner or a Thanksgiving feast, it can be hard to get your grocery bills to align with your monthly budget. The good news is that there are many great strategies for saving money on groceries that work for Thanksgiving and all year long. Here are some of our favorite tips.
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