Memorial Day is right around the corner—a holiday dedicated to remembering and honoring those people who have died serving in the armed forces. As part of our commitment to veterans and to the greater Philadelphia community, our team at American Heritage likes to take this time of year to pause and honor those who have served, as well as other charitable organizations in the region.
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Evenings out with friends are always a good time. However, if those in your social circle have expensive taste, or you live in a pricey town, nights out can be a real budget buster. Whether you’re sticking to a budget to afford a major purchase or trying to pay down debt, you may think it’s impossible to both save money and enjoy a social life. Don’t worry. Your budget doesn’t have to keep you from socializing. You just have to think about different ways to have fun with your friends. Remember, a budget isn’t really about dollars and cents. It represents what you want from life. With that in mind, here are a few money-saving ways to have a great social life without going broke.
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If you’re like most Americans, you probably spend more money than intended when you’re on vacation. But it’s entirely possible to avoid overspending—and still have a great time—if you plan in advance. Whether you’ve booked inexpensive vacations over long weekends or a once-in-a-lifetime overseas extravaganza, our four simple tips to having fun on vacation while spending less are a blueprint for a stress-free time away.
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When it comes to financial education, earning is learning. Whether your young child is getting an allowance, your 13-year-old makes money walking neighborhood dogs, or your older teen has a lead on an amazing summer job, seek out any opportunity to have meaningful discussions about financial literacy—especially the essential skills of saving, spending, giving, and planning. At American Heritage, we encourage saving at all ages, which means there’s no bad time to start earning.
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Have you ever spent hours watching a marathon of shows like Fixer Upper or Property Brothers? If yes, then you’ve probably also daydreamed about the “must haves” and “nice-to-haves” for your very first home. From open floor plans to a home office, one of the best parts of looking to buy your first home is watching HGTV shows and scrolling through Pinterest boards for inspiration.
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Most people know, or can learn, how to do some basic home improvements and repairs. But unless you work as a contractor AND have tons of spare time, you probably will not be able to tackle every project yourself. The line between which renovations you can do and which you should pay a professional to do is different for different people, but here are some general guidelines – along with information about the best way to finance your next major home improvements.
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Thinking of adding a pet to your family? Great! There are lots of benefits of having a dog or cat. Pets relieve stress, encourage exercise, make us laugh, and give unconditional love. Spring is the height of "kitten season," when rescue shelters fill up with furry faces. It’s a popular time to adopt a cat, dog, or another kind of pet. While the benefits of pets are many, the expenses may be something to growl about. The more you know about the cost of pet ownership, the better prepared you’ll be for everything from initial costs through emergencies.
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Buying a home is a journey – and your real estate agent is your guide. Your agent’s knowledge, skills, and level of support will have a big impact on your homebuying experience, so it is important to have the right person by your side. With so many real estate agents serving the Philadelphia area and South Jersey, finding the right one can be a daunting task, especially if you are a first-time homebuyer.
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April is National Credit Union Youth Month! At American Heritage, our mission is to encourage financial wellness in all phases of life. In celebration of CU Youth Month, we want to show our committment to our younger members by sharing tips for childhood financial literacy!
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Whether you receive a large or small refund check this tax season, a check from Uncle Sam is an added bonus to the beginning of spring and new possibilities. One fun way to spend your tax refund check? Home renovations!
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