Summer is the perfect season to enjoy a wealth of activities without breaking the bank. With long, sunny days and warm evenings, there are countless opportunities to embrace the outdoors, explore new hobbies, and create lasting memories with family and friends. Whether you’re looking to beat the heat with a refreshing dip, indulge in local […]
10 Cheap, Fun Things to Do in the Summer Read More »
U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion. The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act protections, which went into effect in February 2009, require card issuers to disclose rates and other information more clearly. This should make it easier for consumers to monitor what they
Manage Your Credit Cards Better Read More »
In tough times, it’s more important than ever to develop and maintain good financial habits. Having a household budget and shedding high-rate credit card debt are two obvious things that could benefit most consumers. But figuring out where to start can be a daunting task—especially if you feel like you’re already in trouble. The thing
When Times Are Tough We Can Help Read More »
Welcome to Cut Your Energy Costs Day – a day dedicated to making small changes that can lead to big savings on your energy bills. Not only is this beneficial for your wallet, but it also contributes to a more sustainable and eco-friendly lifestyle. In this article, we’ll explore 10 practical tips to help you
Cut Your Energy Costs Day: 10 Practical Tips for a Greener Home and Wallet Read More »
As we step into the new year, let’s make it a point to prioritize our financial wellness. January is the perfect time to set the tone for the months ahead by adopting healthy financial habits. In this blog post, we’ll explore some practical tips to help you achieve financial stability and prosperity throughout the year.
Mastering Financial Wellness: A Guide to a Prosperous Year Read More »
Create a monthly budget to track your income, expenses, and savings. This will give you a clear picture of where your money is going and help you identify areas where you can cut back or save more. There are four major methods for personal budgeting. Try them out and figure out which one works best
Four Common Budgeting Methods Read More »
What is a Rainy Day Fund? Saving for a “rainy day” means having some money set aside for irregular expenses that you typically wouldn’t account for in your monthly budget, but expected to happen over time. Expected Expenses Routine Medical Costs Routine Vet Visits Minor Car Maintenance or Repairs Regular Home Maintenance Overspending Forgotten Expenses
Rainy Day Fund vs Emergency Fund Read More »
As we approach the end of the year, the holidays are in full swing meaning family time, parties, and gift shopping. The end of the year also brings about your annual bonus. You have worked hard all year, clocking overtime, crushing deadlines, and ensuring everything is tip-top in the work that you do. Your company
Smart Ways to Spend Your Annual Bonus Read More »
There are several ways to manage your debt, and Heritage Valley is here to help you get it under control. If you have debt from multiple sources, including credit cards and loans, then a personal or home equity loan is the best way. If credit card debt keeps you down, consider a balance transfer to
5 Reasons to Consolidate your Debt with Heritage Valley Read More »
If you’re in the market for a new automobile, maybe you think the easiest way to get your dream car financed is to obtain dealer financing at the time you buy the car. In a sense, that’s true – as long as you don’t mind spending more time and money than necessary just to make
Why Your Next Car Loan Should be From a Credit Union Read More »
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