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Posts about Savings & Budgeting (5)

Product Spotlight: Your Debit Card

By: American Heritage 07.21.22 3 minute read

It’s easy to take debit cards for granted. After all, they’ve been around since 1966 – the same year the Beach Boys released Pet Sounds. And just like the classic album, debit cards have stood the test of time. It’s easy to see why. Debit cards are safer and more convenient than carrying around lots of cash. And because they’re usually connected to one of the big credit card networks – Mastercard® or Visa® – you can use your debit card like a credit card to make quick purchases in stores and online. But unlike a credit card, which lets you charge purchases and pay them back later, you use your debit card to pay now by drawing funds directly from your checking account. If you’re budget-conscious, paying with your debit card is a smart way to track spending, skip credit card fees, and avoid racking up a credit card balance and interest charges that may be hard to repay. Debit cards have evolved quite a bit over the years. Here at American Heritage, our Independence Debit Card just keeps getting better – with new features and perks to help you save time and get more for your money. Let’s take a closer look.

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Travel Tips for Planning Your Next Vacation

By: Holly Love 07.14.22 4 minute read

Vacations are the perfect opportunity for some well-deserved relaxation and making new memories. Get the most out of your getaway by planning your trip in advance. This way, you can spend your vacation time stress-free! The last thing you should worry about on vacation is money. In this article, we offer tips or mindful spending and planning for travel.

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Save on Your Summer Energy Bills: Tips From A to Z

By: American Heritage 06.02.22 3 minute read

As the temperature outside starts to rise, so does the cost of keeping your home cool. Typically, electricity rates are higher during the summer due to increased demand, leading to higher summer electric bills. If you want to secure a lower electric bill (without feeling like you’re living in a sauna), check out these 26 energy-saving tips for summer. We’ve got ideas from A to Z!

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8 Banking Fees You Should Know About (and How To Avoid Them)

By: American Heritage 01.06.22 3 minute read

From monthly checking account fees to surprise ATM surcharges, Americans are paying way too much for their banking. If you’ve ever gotten an unexpected bank charge—or a few of them—you know how it feels. That money could be put to better use, whether it’s to pay for a nice meal or stash away in your savings. If your New Year’s resolution is to save money, knowing about these eight common banking fees and how to avoid them is a great first step.

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Keeping Your Finances Strong in the Military and Beyond

By: American Heritage 07.06.21 3 minute read

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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5 Things to Discuss Before You Tie the Knot

By: American Heritage 02.11.21 3 minute read

Getting married is an exciting time. From announcing the news to your friends and family, to planning a wedding and honeymoon during these uncertain times, you’ve got a lot to think about. So it can be easy to overlook one of the most important subjects that affects newly married couples: money. Whether you are recently engaged or about to say “I do,” make sure that you and your significant other are on the same page when it comes to your financial future as a couple.

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Creating Happy Holidays on a Budget

By: American Heritage 11.27.20 3 minute read

There are lots of reasons to love the holidays: the lights, the gifts, the time with family. But here’s something you probably don’t love: a big credit card bill or low checking account balance to start the new year. By some estimates, the average American spends around $1,000 on holiday expenses. However, with a little planning and smart purchases, it’s possible to enjoy lots of holiday fun without spending lots of money.

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6 Tips to Help You Spend Less on Groceries

By: American Heritage 11.12.20 3 minute read

Whether you’re planning for an average weeknight dinner or a Thanksgiving feast, it can be hard to get your grocery bills to align with your monthly budget. The good news is that there are many great strategies for saving money on groceries that work for Thanksgiving and all year long. Here are some of our favorite tips.

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Is a Joint Account Right for Your Relationship?

By: American Heritage 10.08.20 3 minute read

If you’re newly married or in a serious relationship, the opportunity to build a life together can be exciting. But as your lives become intertwined, so do your responsibilities—particularly when it comes to your finances. For many couples, opening a joint checking account or a joint savings account is the first step. In fact, some studies have found that couples who pooled their money in shared accounts had happier long-term relationships.

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