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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Between paying off student loans to thinking about buying a home, your 20s is a time filled with change, excitement, and yes, lots of financial decisions. With those financial decisions, comes questions like, “Which debt should I pay off first?” or “How do I secure the best mortgage for me, and one that I can afford?” As you deliberate on these various decisions, securing a financial advisor may be a good strategy, one that can help you navigate these big life changes. The first step to getting a financial advisor? Do your homework and ask the right questions. To help you get started, our team has outlined our top 7 questions for a financial advisor below.
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Purchasing a home is a big and often stressful decision – especially with housing prices rising almost twice as fast as wages, and a shortage of affordable housing in many areas. And while owning a home may be one of your goals, the last thing you want is purchase your dream home only to discover in a few months or a few years that you can’t afford it, a situation commonly referred to as being “house poor.”
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At the core of American Heritage’s mission is the commitment to enhance the lives of our members by building trusted relationships. One of the ways we do this is by educating our members on financial news and other potential factors that may impact their financial health. That’s why we’ve focused the following blog on the very timely news regarding the state of financial security in today’s digital age, along with a few recommended strategies on how our members can keep their information safe.
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When you check out at the store, there are usually lots of ways to pay: debit, credit, cash, or even check. For most people, paying by check is too much hassle, and paying by credit card will add to your monthly bill. That leaves cash and your debit card. So, which is right for you?
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