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Posts about Savings & Budgeting (7)

A couple sits on the couch going over finances

Spend Less, Save More, and Get Out of Debt in the New Year

By: American Heritage 12.30.21 3 minute read Savings & Budgeting

Maybe you overdid it with the holiday spending. Between buying presents and traveling to see loved ones, it’s easy to lose track of exactly how much you’re spending. But when you get your January statements and see all your purchases in black and white… ouch. Seeing a lower balance than you’d like in your checking account and a higher credit card bill than you expected can be just the wake-up call you need to take control of your spending. If one of your New Year’s resolutions is to get out of debt and improve your finances, these tips can help.

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4 Banking and Budgeting Tips for College Students

By: American Heritage 08.19.21 4 minute read Education Savings & Budgeting

Going to college is a big step. You’re able to stretch your legs and develop the skills you need to be independent once you graduate. One of the most important skills you’ll need to learn isn’t taught in the classroom: how to manage your finances in college.

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What You Should Know About Paycheck Advance Apps

By: Holly Love 08.12.21 3 minute read Savings & Budgeting

Payday is, for some, a mini personal celebration that happens one or two times per month. For others, payday is a welcome relief to help afford the necessities of life. For many Americans, living paycheck to paycheck is an unfortunate way of life, especially during difficult economic times. The gap between paydays can seem to stretch on and on. To combat this, some app developers have stepped in with a proposed solution: paycheck advance apps. A way to get your paycheck early sounds like a dream come true, but what’s the catch?

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Young man on the phone seeking advice or help from car technician while holding the hold up looking at the engine issue.

What's the Right Amount for Your Emergency Fund?

By: American Heritage 07.29.21 3 minute read Savings & Budgeting

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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military-father-with-daughter-holding-american-flag

Keeping Your Finances Strong in the Military and Beyond

By: American Heritage 07.06.21 3 minute read Savings & Budgeting

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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Closeup of hands sifting through a large stack of financial paperwork

6 Ideas for Productive Financial Spring Cleaning

By: Holly Love 03.18.21 2 minute read Savings & Budgeting

Spring cleaning is about more than just opening the windows and letting the fresh air in! Use the inspiration a new spring brings and dust the cobwebs from an area that may not get as much tidying as others—your finances.

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How Your Finances Affect Your Health and Ways You Can Support Both

By: American Heritage 03.04.21 3 minute read Savings & Budgeting

From eating well to getting a good night’s sleep, taking steps to support your physical and mental well-being are key to enjoying a long, happy life. But many people pay too little attention to a key factor that impacts their health: their money.

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A young man one on knee proposing by a lake shore

5 Things to Discuss Before You Tie the Knot

By: American Heritage 02.11.21 3 minute read Savings & Budgeting Family

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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A woman with a pen, paper, and a laptop works on her finances.

Tips to Simplify & Organize Your Finances

By: American Heritage 02.04.21 3 minute read Savings & Budgeting

Bills, account statements, insurance notices, credit card offers… chances are, your financial life comes with a lot of clutter. What do you do with all of it? Have you ever accidentally thrown away or misplaced an important document? How do you make sure you don’t miss a payment due date or forget a password?

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A woman reviewing receipts with cash and paperwork across the table

8 Ways to Prepare Your Finances for a Recession

By: American Heritage 01.07.21 3 minute read Investing & Retirement Savings & Budgeting

You’ve worked hard to earn your money, so naturally you want to grow your earnings and protect them when you can—particularly from bad economic news like a recession. Recessions are a normal part of the economic cycle. They happen when we experience two or more consecutive quarters of reduced overall economic activity. That reduction leads to job losses, home foreclosures, and a lot of uncertainty that can hit close to home, just like what happened during the Great Recession of only a decade ago.

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