A hot real estate market can pose a real challenge for hopeful buyers – especially for those looking to buy their first home. But that doesn’t mean you can’t find a place you love and get your offer accepted. It just takes a combination of patience and fortitude, plus a little homebuying know-how. Not sure where to start? Read on for some smart steps to follow.
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Your home is likely your biggest investment – and it’s where you and your family should feel safe, comfortable, and connected. So, whether it’s your forever home or you’re planning to make a move in the near future, you might want to consider some home improvement projects that can deliver value, efficiency, and style. Wondering where to start? Here are seven cost-effective home renovations to consider:
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As a parent, you’re responsible for teaching your kids important life lessons. You help them learn their ABCs, how to tie their shoes, and to look both ways before crossing the street. But do you teach them about saving money? Learning how to budget and save responsibly are key skills they’ll need to succeed later in life. In honor of Financial Literacy Month and National Credit Union Youth Month, here are six ways to cultivate smart savings habits as your child grows up.
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Getting approved for a mortgage when you have college debt can be complicated – but having student loans does not mean an automatic denial. Nearly 46 million Americans have student loan debt as of 2022, and many of those holding loans are looking to be homeowners soon.
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When it comes to saving, the way you choose to save will greatly influence your return on investment. Aggressive options may have the highest yield while posing the greatest risk of loss, where conservative saving options offer a slower, but risk-free return.
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With the warmer months right around the corner, our spring-cleaning list usually includes tasks like decluttering closets, storing away snow supplies, and even organizing finances for the year. One task that should not go overlooked is keeping your vehicle up to date with the season! Getting your vehicle in tip-top shape can save you money down the road and can protect you and your family from preventable hazards. The outside of your vehicle will show the most noticeable effects of the winter months. Most of your vehicle’s mechanical work will need the help from a professional, but you can easily do your surface level cleaning yourself, like removing unnecessary items and trash, as well as shampooing and vacuuming the seats and floors. Additional repairs and updates your vehicle may need include:
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There’s no doubt about it – we’re living in an increasingly cash-free society these days. Between credit cards and mobile wallets, you may spend long stretches of time without using actual cash. But eventually there will come a time when paying with plastic just won’t cut it. If you need to pay the babysitter, a vendor who doesn’t accept cards, or an unexpected toll on your next road trip, having cash in your wallet can definitely come in handy. And ATMs are a convenient way to get money when you’re out and about, without having to go into the branch during business hours. However, not all ATMs are created equal. Whether you’re using a stand-alone ATM, one inside a grocery store, or a drive-through ATM, here are some ATM safety tips that can help keep you, your money, and your financial information safe from would-be criminals.
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Small actions can have a big impact. And, they can also have a ripple effect. If you’d like to make a positive difference in your community – and beyond – here are some easy ways to get started.
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American Heritage Credit Union has partnered with America Saves to promote America Saves Week 2022! It’s never too late to start your personal savings challenge and journey towards financial wellness. #ASW2022 follows a five-day format with a different savings theme for each day. Keep reading to find the best strategies for your lifestyle.
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Loans have been around for millennia, with records dating back to early Mesopotamian farmers borrowing seeds and livestock and using their yields for repayment. Today, loans remain one of the most classic banking products available due to their simplicity, versatility, and usefulness.
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