Blog

Level-up your financial literacy by taking advantage of our free blog! Enjoy topics ranging from money lifestyle tips to fun local activities for the whole family. 

CLEAR FILTER

Posts about Credit

Back-to-School Budget 2026: Tech-Savvy Ways to Save

By: American Heritage 08.27.26 7 minute read

A strong back-to-school budget in 2026 starts with listing every expected cost, including new classroom technology, and matching those expenses to your monthly cash flow. From supplies and lunches to laptops and learning apps, planning in advance helps you avoid surprise debt and feel more confident all year.

READ THE ARTICLE

How to Build Credit in Your Teens and Twenties

By: American Heritage 08.20.26 3 minute read

Your credit score is one of the most powerful numbers in your financial life, and the earlier you start building it, the better. A strong credit history can help you qualify for lower interest rates on a car loan, get approved for an apartment, and even influence job applications in some industries. The good news? You don't need to start with a perfect score. Here's what you need to know about building credit responsibly in your teens and twenties.

READ THE ARTICLE

Am I a Good Candidate for a Balance Transfer?

By: John Lutz 07.30.26 4 minute read

Interest rates for credit cards can be quite high. According to LendingTree, the average interest rate for credit cards collecting interest (meaning they carry over a balance month-to-month) was 22.15% at the end of the 2026’s second quarter. If you’ve felt the increased pressure on your wallet, it may be time to look for a solution.

READ THE ARTICLE

Your Midyear Credit Check: How is Your Score?

By: John Lutz 06.04.26 3 minute read

Whether it's time on the beach, a camping trip, or sitting by the pool, summer can be an incredibly fun season. But all that fun can often bring more spending. Now that we're officially in the summer months and halfway through the year, it may be a good time to review your spending habits and take a closer look at your credit score.

READ THE ARTICLE

8 Ways to Save on Your Thanksgiving Dinner This Year

By: John Lutz 11.13.25 5 minute read

While there’s a lot to be thankful for with the Thanksgiving holiday, one item that may not be so appreciative is your wallet. Between the meal itself, travel, decorations, and more, it may feel like the taps, swipes, and purchases never stop. However, with the proper budget and strategy in place, you can pull off a successful Thanksgiving that won’t empty your bank account.

READ THE ARTICLE

Your First Loan: How to Borrow with Little or No Credit

By: American Heritage 08.28.25 3 minute read

Are you ready to borrow but don't have a strong credit history? Whether you're just getting started in life, recently moved to the U.S., or are rebuilding after a long credit break, applying for your first loan can feel intimidating, especially if your credit file is thin or nonexistent. The good news? You have more options than you think.

READ THE ARTICLE

Is a Personal Loan Right for You?

By: John Lutz 04.15.25 4 minute read

Life is full of ups and downs. Milestone events like weddings, bar and bat mitzvahs, and birthdays are exciting moments of growth and love. But then there are the curveballs that life throws, such as unexpected medical emergencies or major car or home repairs. While these events vary significantly in terms of emotion, they are similar in at least one way—each costs money.

READ THE ARTICLE

Ready to Buy a Home? Start Here

By: American Heritage 02.20.25 5 minute read

Buying a home is exciting, but it’s also one of the biggest financial decisions you will make. Whether you’re planning to buy your first home or looking to relocate, now is a great time to start preparing for homebuying season. Follow these strategies to reduce stress and increase your chances of a successful home purchase this season.

READ THE ARTICLE