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A woman holding a credit card and a tablet beside a lit Christmas tree

Creating Happy Holidays on a Budget

By: American Heritage11.27.20 Holiday
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.
A woman wearing a facemask carries holiday gifts while window shopping

Careful Spending Tips for the Holidays

By: Holly Benedetto11.19.20 Holiday
The holidays are a season of charity and generosity. With this spirit of giving, it is easy to overindulge and buy a gift for everyone in our lives. Though we never want to discourage kindness, overextending your finances for the sake of the holidays isn’t a wise financial decision. We've compiled some resources and tips to help navigate this potentially challenging holiday season.

6 Tips to Help You Spend Less on Groceries

By: American Heritage11.12.20 Savings & Budgeting Culture
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.
Peaceful riverbank at sunset

What Happens to an Account when a Loved One Passes?

By: American Heritage11.05.20 Security
Beyond the emotional toll of the loss of a loved one is a list of responsibilities. While paperwork and documentation may be the last thing on your mind, it is important to settle certain matters quickly, such as managing the deceased’s bank accounts. At American Heritage, we strive to treat this sensitive topic with the respect it deserves by making the process smooth and uncomplicated. For the purposes of this article, the information provided will be written with American Heritage accounts in mind.

How to Perform a Balance Transfer

By: Holly Benedetto10.22.20 Credit
A credit card balance transfer makes a high-interest credit card balance (or balances) more manageable by transferring that balance to a new credit card with a lower interest rate. For added savings, some balance transfer offers include a lower introductory rate for a limited amount of time or sometimes even the life of the balance. Balance transfers can help you get out of debt faster and make multiple payments easier to manage.

Can You Spot a Phishing Email? We'll Show You How

By: American Heritage10.15.20 Security
October is National Cybersecurity Awareness Month, and it’s a good time to learn how this common scam works. When you know what phishing emails look like, you’ll be more likely to avoid failing for one – and can prevent the stress and financial harm that these scams cause.
A young couple manages their finances together in the kitchen

Is a Joint Account Right for Your Relationship?

By: American Heritage10.08.20 Savings & Budgeting
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. But before you make this big step, it’s important to communicate your feelings about combining your finances. It’s also helpful to understand how joint accounts work and know the benefits and challenges that come with them.
A woman fills out a loan application for a new car

Loans & Borrowing: 10 Terms You Should Know

By: American Heritage09.17.20 Credit
The process of comparing your financing options and choosing the right one can sometimes feel overwhelming – especially with all the financial jargon and concepts associated with loans and borrowing. Fortunately, many of these concepts are less complicated than they seem. Here’s a quick overview of some of the most important borrowing terms you should know. Learn them now, so you can make smarter borrowing decisions later.

Make Deposits Anywhere With Mobile Check Deposit

By: American Heritage09.10.20 Product Spotlight
In the last few years, mobile check deposit has become a must-have mobile banking tool for users of every age. It’s easy to see why: This powerful mobile banking feature lets you avoid extra trips to a branch or ATM by giving you the freedom to make deposits on your schedule, and you can make deposits anywhere you have an internet connection.
A woman holding a variety of payment cards

Credit or Debit: Which Payment Option is Best for You?

By: American Heritage08.25.20
We all know the drill. You head to the checkout line and are presented with two options from the cashier: ”Will that be on credit or debit?” If you’re like most, there’s a good chance you may not know the difference between the two. While the two may seem identical when it comes to making a purchase, there is a very real difference and it’s a good idea to know which is best to use for various scenarios.
boy sitting at table looking at laptop for school

Preparing for (Virtual) Back to School this Fall

By: Holly Benedetto08.20.20 Education
School transitioning to online-only or a hybrid environment last semester may have caught you and your students off guard. Going from a dedicated classroom environment to staying home, distractions and all, can affect a student’s morale, grades, and mental health. Add in parents and siblings who may also be working or learning at home, the school year and summer vacation blending together, and the absence of a teacher’s watchful eye, and you have a recipe for a poor learning experience.

Lower Your Cell Phone Bill With These 8 Tips

By: American Heritage08.13.20 Savings & Budgeting
Right now, staying connected is more important than ever. But for many people with pricey cell phone plans, it’s also more expensive than ever. On average, Americans are paying more than $1,300 a year for their cell phone service, according to the U.S. Bureau of Labor Statistics. While carriers all claim to offer the best cell phone deals, finding ways to lower your cell phone bill can be challenging. To help, here are eight proven tips to help you save on your cell phone.

Save More on Commission When Selling Your Home

By: Holly Benedetto08.06.20 Home & Mortgage
Like purchasing a home, selling your home will include various fees. Most sales are completed with the assistance of a real estate agent or broker. These agents make their money by earning commission on each sale and only get paid once a home has sold. This commission is paid by the seller during closing.

Fast-Track Your Career by Learning the Right Skills

By: American Heritage07.30.20 Education
Maybe you want your job to be more fulfilling. Maybe you want to make more money. Either way, taking steps to advance in your career – or start a new career – can be one of the best ways to improve your quality of life and financial security. But moving forward professionally requires having the right skills. Valuable professional skills can range from technical skills that require specialized training to less tangible (but equally important) assets like leadership and empathy. If you’re looking to acquire more of the skills you need to succeed, here’s where to begin.

5 Tips to Help Your Pets Adjust When You Go Back to Work

By: Holly Benedetto07.16.20 Culture
If quarantine brought a new furball into the family or led you to spend more quality time with the pets you have, you know that returning to your former routine means a bittersweet goodbye. Your pet, who was blissfully unaware of world events over the past few months, grew accustomed to you being around more often. To leave them suddenly without easing back into normalcy can cause stress and behavioral issues. Keep reading for five tips on helping your pet overcome this change.

5 Ways to Help a Friend Going Through Financial Hardship

By: American Heritage07.09.20 Savings & Budgeting
A good friend is always there to help, in good times and bad. But if a close friend of yours is struggling with financial problems such as a job loss, overwhelming debt, or major expenses like medical bills, it can be hard to know how to help. In honor of the International Day of Friendship, which is July 30, we’ll show you how to help a friend who’s struggling financially without having to spend your own money.

How-To: Charitable Giving

By: American Heritage06.22.20 Culture Holiday
It's never a bad time to get involved with a charitable cause. However, it’s also a good idea to think before you donate. While giving to global charities and community charities is a wonderful thing, it’s also a good idea to make sure that you’re giving in a way that provides maximum value for your giving dollar and allows you to take advantage of the tax value of donations.

 

 

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