These days, many of us are conscientious about where we spend our money. After all, we want to know that the businesses we support are responsible and have a positive impact in the community. This is especially important when it comes to the financial institution where we bank, borrow, and invest.
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From home renovations to high interest debts, you may find yourself at a juncture where you’re in need of cash. If you can relate and are a homeowner, the following loan options may be worth exploring as you weigh your financial decisions: Home equity loan Home equity line of credit (HELOC) In an effort to help our members better understand both options, our team is reviewing the differences between a home equity loan and a home equity line of credit—both of which are potential options for those wanting to borrow on their home equity.
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Your 20s are a time of discovery. That includes discovering how to make, spend, and save money (and be less dependent on Mom and Dad). But the journey toward understanding your finances can be a bumpy one. Here are five financial mistakes people often make in their 20s and how to avoid them.
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Whether you are a first time home buyer or just want to freshen up your current house, decorating a home can be exciting, inspiring, and often times, expensive. The good news is that if you plan ahead and follow some of our budget-friendly tips below, you can continue to pinch your pennies and still turn your house into a Pinterest-worthy home.
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Have you been trying to buy a new home or vacation property, only to see one house after another get snatched up before you can even make an offer? Or, are you unable to find a house that fits your style or needs? Sometimes, to get what you want, you have to do it yourself. But building a house is no easy feat. Here are five things you should know BEFORE you decide to build your dream home:
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You’ve probably heard that a car is the second-largest purchase the typical American makes after their home, but when comparing the numbers, that’s not really true. It might seem like it, since the median home price in the U.S. was around $240,000 last year, while a new Honda Civic starts at about one-tenth as much. When you look a little deeper, though, you’ll probably only ever own one home at a time, and when you sell it, you’ll get your money back. You might even make a profit on the sale.
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Whether you find car buying exciting or nerve-racking, there’s no denying that this process comes with a lot of questions: What will give me the best gas mileage? How much are the maintenance costs? Does this only come in yellow? And most important: How do I avoid overspending?
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Buying a car comes with many decisions, so it’s important to be informed. Here at American Heritage, we’re dedicated to helping you make the best choice possible and helping you attain your dream car.
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From festive lights to family get-togethers, the holidays are full of wonderful moments. But they can be quickly followed by something much less merry: a pile of hefty credit card bills. If holiday shopping or other expenses have you weighed down by large, high-interest credit card balances, you don’t have to watch this debt snowball out of control.
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