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Making Personal Loans Work for You

By: Nicholas Franks02.29.24 Product Spotlight Savings & Budgeting
Personal loans help people with various needs, like paying off debt, improving their homes, or dealing with unexpected costs. They provide solutions that are perfect for a variety of personal situations. In this blog post, we will talk about personal loans, credit, applying for a loan, and other related topics.
Woman working on her budget sitting in front of a laptop

Financial Ins and Outs for 2024

By: Kirstin Wilson01.18.24 Savings & Budgeting
We understand that changes to your financial situation are not always in your control and can be difficult to overcome, especially at the start of a new year. To help you take back control of your financial journey, we’ve created a list of financial practices to either embrace or leave behind this year with actionable steps you can take immediately to start seeing positive changes in your finances.
A young couple looks at finances on a laptop

Make the Most of Your Money in 2024 by Organizing

By: American Heritage12.28.23 Savings & Budgeting
Financial clutter does more than frustrate you and waste your time. It can hurt your credit score, lead to higher interest payments, and keep you from growing your money for the future. The good news is that you can declutter your finances and make them easier to manage for the future. All you need to do is follow these steps to organize, consolidate, and automate your way to clutter-free finances.
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Make the Most of Your Money With a High-Yield Savings Account

By: American Heritage12.21.23 Investing & Retirement Savings & Budgeting
It’s no secret that interest rates on everything from auto loans to home loans have risen significantly over the past year. But there’s a bright side to rising rates: Savings accounts have also increased their interest rates, making it easier to grow your savings. Whether you’re stashing cash to boost your emergency fund, buy a new car, or save for a down payment on a house, consider opening a high-yield savings account. It’s an excellent option for anyone looking to stay ahead of inflation and watch their money grow effortlessly.
Closeup of person's hands counting cash

The Best Way to Carry and Keep Cash

By: American Heritage11.30.23 Savings & Budgeting
Do people still carry cash? The answer is a resounding YES. While most transactions can be handled with your digital wallet, credit card, or debit card, cash is still useful, especially in an emergency, when digital or card payment options might not be available. As with most things in life, it’s smart to be prepared. Let’s look at how much cash you should have on hand and how to keep it safe.
A man and woman review finances in their kitchen

8 Healthy Financial Habits You Should Develop

By: American Heritage11.09.23 Savings & Budgeting
If you feel overwhelmed by your finances, you’re not alone. In fact, nearly half of all Americans live paycheck to paycheck, struggling to pay bills or save for the future. By adopting healthy financial habits, you can help reduce financial stress, increase financial security, and enhance peace of mind. We’ve compiled eight important financial habits that can help you master your money. Try to embrace those that will best fit your needs.
A smiling baby reaches toward the camera

What a Baby Costs in the First Year

By: American Heritage10.05.23 Savings & Budgeting
Whether you find out you’re expecting or you get a call from your adoption agency, your first response is probably an instant rush of emotions. That is likely to be followed by a dawning realization of how much needs to be done—and spent—before the baby comes home. Raising a child from a newborn to an adult can cost over $300,000, not including college, according to a Brookings Institution analysis of data from the U.S. Department of Agriculture.

How Much Should You Spend on Rent?

By: American Heritage09.14.23 Home & Mortgage Savings & Budgeting
If you’ve checked out rental listings lately, you know that rents are going up, up, up. Demand for apartments has surged, making many markets super competitive. Finding a place to call home at a reasonable price can be challenging. The burning question is: how much of your income should go toward a rent budget?
Teenage boy attaching a corsage to his prom date

Tips for Teens & Parents to Save on Senior Year Expenses

By: American Heritage09.07.23 Education Savings & Budgeting
For many high school students, senior year is an exciting time—and an expensive one. Between car shopping, campus tours, and prom night, there’s a lot going on during the time leading up to graduation. During this transition period to independence and adulthood, it’s essential to build key life skills. Learning how to budget and manage money now will help set students up for a lifetime of financial success.

8 Simple Ways to Reduce Food Waste and Save Money

By: American Heritage08.03.23 Savings & Budgeting
Does this happen to you? You toss out mystery leftovers from the back of the fridge or throw away a half-eaten bulk box of cereal that’s gone stale. Food waste is a bigger problem than most people realize, and when you throw away food, you’re also throwing away money. Want to learn how to waste less and save more? In this article, we’ll show you eight simple ways to reduce your food waste.

Tips to Break the Paycheck-to-Paycheck Cycle

By: American Heritage07.27.23 Savings & Budgeting
Between the rising cost of groceries, gas, and general life expenses, it can be hard to stay on top of all your bills, let alone get ahead. If you’re struggling to make your money last until your next payday, you’re not alone. This survey found that more Americans than ever are living paycheck to paycheck – including a third of people who make six figures a year.
A stack of cash on top of a laptop keyboard.

How to Save Your First $1,000

By: Holly Benedetto06.22.23 Savings & Budgeting
There are many reasons why it feels difficult to save money. Economic circumstances, debts, emergencies, or impulse purchases can all wreak havoc on our savings accounts—or prevent us from building our savings in the first place. Tracking where your money is going is the first step to saving more of it. Continue reading to learn strategies for saving based on your individual challenges.
Father and son counting money from a savings jar

5 Money Saving Tips From America Saves Week

By: American Heritage02.23.23 Savings & Budgeting Culture
Since 2007, America Saves Week has been inspiring people of all ages to commit to building and maintaining good savings habits. This year’s theme is “A Financially Confident You,” and it’s all about taking control of your finances to achieve financial well-being. In honor of America Saves Week, here are some money-saving tips to help you boost your financial confidence and empower your financial future.

Save More in the New Year with These Tips

By: Holly Benedetto01.05.23 Savings & Budgeting
Whether your goal is to save $500 or $5,000, methods used for saving can be easily scaled to accomplish any dream. Developing a plan early into the year can be inspiring, but you don’t need to wait for a new year to get started. Knowing which products earn the highest dividends will help you reach your goal faster. Depending on your needs, a high yield savings account or certificate are excellent choices for the determined saver.

 

 

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