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A DIY Guide to Unsubscribing and Saving

By: Holly Benedetto02.27.20 Savings & Budgeting Culture
Subscriptions surround us. Our daily lives have shifted from making a one-time purchase to continually paying for content that promises to be the most convenient, most up-to-date, and, at one point, the most comprehensive. As the competition has grown, many of these larger companies have splintered off into individual apps with individual costs. Consider how many of these services may call you a subscriber.

The Pros and Cons of Paying Off a 0% Interest Loan Early

By: Holly Benedetto02.20.20 Credit
Sometimes, we get lucky and are offered a 0% interest rate promo for a specific term. This rate is frequently seen at auto dealers, mattress stores, furniture stores, and for credit card promotions. For these big-ticket items, paying no interest could mean a massive savings on each payment. However, should you ever pay off a 0% interest loan early?

Roth vs. Traditional: Which IRA is best for me?

By: American Heritage02.18.20 Investing & Retirement
We have all heard it before — start saving now, so you can enjoy retirement on your terms. Unfortunately, if you’re like most 20-somethings, contributing to a retirement account is a task that tends to fall down your ever-growing list of to-dos. From student loans to rent and bills, it’s easy to understand how retirement planning, like selecting a Roth vs. traditional IRA, can be neglected.

Taxes 101: Brush Up on These Key Terms Before You File

By: American Heritage02.13.20 Tax Filing
Whether you’re new to filing taxes or just need a refresher, we want to help you file with more confidence and less confusion. Understanding the basic tax terms and concepts will be key to filing your return quickly and accurately – and without overpaying. So, before you file your 2019 tax return, make sure you know these nine essential terms.

Debunking 9 Common Credit Union Myths

By: American Heritage01.30.20
Credit unions and banks provide the same types of services, but certain characteristics set credit unions apart. Here are some of the most common misconceptions about credit unions, debunked.

Is Debt Consolidation Right for Me?

By: Holly Benedetto01.16.20 Savings & Budgeting Credit
Credit cards are a valuable tool for building credit, making large purchases, or earning rewards. Still, a tool this powerful must be used carefully to prevent avoidable or unmanageable amounts of debt. If you ever find yourself in deeper than expected, don’t worry – there are several ways to tackle credit card debt, one way being debt consolidation.
Retirement Plan

Build a Better Retirement with IRA Certificates

By: American Heritage01.10.20 Investing & Retirement
If you’re looking for a simple solution that offers both steady earnings and protection for your funds, an IRA certificate could be right for you. While you may not have heard of this type of account, you’re probably familiar with the two accounts it combines: an individual retirement account (IRA) and a certificate (the credit union equivalent of a bank CD). Here’s why an IRA certificate could be a smart approach to your retirement savings.

5 Important Facts You Should Know About Social Security & Retirement

By: American Heritage12.23.19 Investing & Retirement
Whether you’re a few years or a few decades away from retirement, you want to make sure you can live comfortably when you do retire. First enacted in the 1930s, America’s Social Security program protects people against the loss of earnings due to retirement, death, or disability. But Social Security was meant to be a foundational element of planning for retirement, not the only source of income after retirement. Here are five important facts about the program.

8 Things You Can Sell to Get Extra Cash (and Space)

By: American Heritage12.19.19 Savings & Budgeting Home & Mortgage
Is your home feeling a little cluttered? Want to get through the holidays, or start the new year, with a little extra cash in your pocket? If there are unused or seldom-used items taking up space in your home, consider selling them. Whether you’re purging your attic, decluttering your whole house, or getting ready to move, periodically selling off old things helps you simplify your lifestyle while earning quick cash – sometimes more than you might expect.

Improve Your Account Security with These Simple Steps

By: Holly Benedetto12.12.19 Security
You have a right to privacy and having your secure information protected from prying eyes. But why is privacy so important? You may think that you have nothing to hide or that your life is not interesting enough to be kept a secret. However, a carefree mentality can lead to identity theft, stolen banking information, unauthorized account access, and more.
Line of cars on road in snow storm

Prepare Your Car for Winter in 10 Steps

By: Holly Benedetto12.10.19 Auto
Don't get stuck in the snow this season! It's important to get your vehicle ready for heavy weather as soon as temperatures start to drop, since you never know when the next storm will hit. Not sure where to start? Use these ten steps as a checklist towards safer winter driving.

8 Ways to Prepare Your Finances for a Recession

By: American Heritage12.05.19
Even though we can’t tell when or if the next recession will happen, or how long it could last, we can prepare for that possibility. And being prepared is a win-win situation: You can ride out a recession with less personal financial impact, and you can be fiscally stronger if a recession does not occur. These tips will help you prepare, just in case.

Looking for a great rewards card? Read this first.

By: American Heritage12.05.19
Think about everything you buy each month. Now, imagine if each dollar you spent helped you earn something you really want – like an awesome vacation, designer handbag, or more money in your pocket. In addition to the convenience and security they provide, debit and credit cards may let you earn valuable rewards like these. But there are some important facts you should know in order to choose the card that’s best for you.

6 Must-Follow Holiday Budgeting Tips

By: American Heritage11.21.19 Holiday
The fact is, the average American can easily spend between $800 – $1000 on the holidays each year. Unfortunately, many people don’t save in advance and put it all on the credit card. This leaves them with a savings shortfall, or worse, a large credit card balance that they’ll be paying off well into the following year. The good news is that you can avoid these traps with a little planning and by applying these six holiday budgeting tips.

 

 

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