Everyone knows that saving money is essential if you want to build a financially secure future. But having a general savings account may not be enough to help you get through those lean times (such as losing a job) or to cover a surprise bill (such as medical expenses or car repairs). You need to develop a solid emergency savings fund if you want to keep your finances in good shape.
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Credit cards are one of the most versatile tools you can carry in your wallet. From getting extra rewards when swiping at gas stations or grocery stores to building your credit score, these pieces of plastic can impact your financial health. With so many options available, how do you choose?
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Sometimes we find ourselves no longer in need of the things we keep around the house. Gently used or good condition items can find life in a new home — a much more environmentally friendly solution than ending up in the trash. Before you reach for the online marketplace, consider the value of giving the item away for free. This simple action can create a large positive impact on interpersonal relationships and your surrounding community.
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In this series, we take a look at the inner workings of the Credit Union and meet some of the champions who help our members in every facet of their financial lives. This month, we met up with expert Brian Shotwell, whose passion for building relationships with members helps shape the service culture at American Heritage's branches.
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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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In this new series, we take a look at the inner workings of the Credit Union and meet some of the champions who help our members in every facet of their financial lives. This month, we met up with experts Dorian Smith and Gina Pelbano, two leaders of the Kids-N-Hope Foundation's success, responsible for the creation and facilitation of fundraising events.
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You already know to protect your home while traveling, but there are still more precautions to take while on the go. Whether traveling domestically or abroad, your wallet and your smartphone are your lifeline. Defend them both with these key tips to help your trip go as smoothly as possible.
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