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Common Scams Targeting Credit Cards

By: American Heritage 09.21.23 4 minute read Security

More than 150 million Americans were victims of credit card fraud last year, according to Security.org's 2023 Credit Card Fraud Report. It’s a serious issue that can impact financial well-being and personal security. Credit card fraud often leads to unauthorized transactions, which may result in financial losses for the victim. Fraudulent activity on credit cards can also negatively affect victims’ credit scores if the unauthorized charges are not resolved promptly. This can make it harder to secure loans or credit in the future and lead to higher interest rates.

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How Much Should You Spend on Rent?

By: American Heritage 09.14.23 3 minute read Home & Mortgage

If you’ve checked out rental listings lately, you know that rents are going up, up, up. Demand for apartments has surged, making many markets super competitive. Finding a place to call home at a reasonable price can be challenging. The burning question is: how much of your income should go toward a rent budget? In this article, we'll explore some practical guidelines and steps to help you figure out how much rent you can afford without busting your budget.

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Tips for Teens & Parents to Save on Senior Year Expenses

By: American Heritage 09.07.23 4 minute read Education

For many high school students, senior year is an exciting time—and an expensive one. Between car shopping, campus tours, and prom night, there’s a lot going on during the time leading up to graduation. During this transition period to independence and adulthood, it’s essential to build key life skills. Learning how to budget and manage money now will help set students up for a lifetime of financial success. Check out this list of typical senior year expenses and ways parents and teens can work together to have a wonderful senior year without breaking the bank.

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Insurance Needs Assessment: Married With Children

By: American Heritage 08.31.23 2 minute read Investing & Retirement

A growing family, by definition, means growing financial obligations—both present and in the future. Raising children can increase your insurance needs and heightens the urgency for being properly prepared. If you haven't evaluated your family's insurance plans in a while, a new life milestone is a good opportunity to do so. Join us in walking through the different types of insurance you may hold and how your needs may change with time.

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Tips to Break the Paycheck-to-Paycheck Cycle

By: American Heritage 07.27.23 4 minute read Savings & Budgeting

Between the rising cost of groceries, gas, and general life expenses, it can be hard to stay on top of all your bills, let alone get ahead. If you’re struggling to make your money last until your next payday, you’re not alone. This survey found that more Americans than ever are living paycheck to paycheck – including a third of people who make six figures a year. Maybe your finances are stretched thin because you’re living beyond your means, like if you bought a fancy new car with a budget-breaking payment. Or maybe you were getting by just fine – until an unexpected medical issue or urgent car repair popped up. Whatever the reason, if you’re having a hard time making ends meet, these tips can help you break the paycheck-to-paycheck cycle and start making progress toward your financial goals.

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Father joyfully lifting and playing with his young daughter in a cozy living room, both smiling and enjoying quality time together.

Retirement or College: Which Savings Goal Comes First?

By: American Heritage 07.15.23 3 minute read Education

As every parent knows, juggling is part of the job. When it comes to financial matters, though, knowing which ball to keep airborne is not always clear. Case in point: Should you prioritize saving for retirement or for your child's college education? Financial planning is similar to parenting in that the decisions are complex and not always straightforward. While the best choice for you will depend upon your unique situation and needs, a few general considerations can help you create an informed strategy.

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mother and son high-fiving in the front seats of a car

Is Now the Right Time to Buy Out My Auto Lease?

By: American Heritage 07.13.23 3 minute read Auto

These days, the used car market is greased lightning, with prices soaring by 44% over the last five years. As your lease comes to an end, you’ll find yourself at a crossroads: Should you return the car for a different model or buy out your lease to own the car you’ve already got? In this article, we’ll help you determine which route to take.

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Barista smiling as she accepts a card payment from a customer at a coffee shop counter, with a coffee machine and takeaway cup nearby.

How Debit Cards and Credit Cards are Different

By: American Heritage 06.08.23 3 minute read Credit

On the surface, debit cards and credit cards look alike, with a chip and a magnetic stripe, your financial institution's logo, and the card network (like Visa or Mastercard). They both give you a convenient way to make purchases online and in stores.

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