facebook giuseppe, Author at Georgia Heritage Federal Credit Union
Routing Number: 261271694

Author: giuseppe

savings for traveling

One of the best ways to broaden your horizons and experience other cultures is to travel. Meeting new people and seeing new places can be exciting and fulfilling, but with all of the costs involved, traveling can get very expensive. Many people save for months or even years before a big trip. Before you embark on your next journey, here are some simple things you can do that may help you to save money when you travel. 1. Set a Budget Before the Trip Setting...

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going over a loan agreement

You may have a lot of questions if you are considering taking out your first loan. It may even seem daunting to navigate all of the details involved. To get you started, here are some of the basics for understanding different types of loans, loan protection, and even how to apply for your first loan. Uses for Personal Loans There are many different things that personal loans may be used for. People take out loans for many reasons, and each has their own process. Some...

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Credit cards and loans may be powerful tools to help enhance your quality of life, but there could be too much of a good thing. The trick is to know how to use credit wisely. It’s important to think of credit as a resource, not “free money for now.” One way to manage your credit cards is to actually have the money available to pay off the debt as soon as possible. If not, you may find yourself spiraling into a hole that you can’t...

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A microphone represents the Georgia Heritage Federal Credit Union Podcast.

We love to be able to sit down with you and chat one on one. Providing you with helpful guidance is why we are here. But if we can offer that personalized guidance to a larger number of you at the same time, well that’s even better! With that in mind, we have added an additional service for our credit union members and guests: the Georgia Heritage Federal Credit Union Podcast. Although it’s just begun, we have an endless number of topic ideas for you,...

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There are several questions you should ask a credit union associate before obtaining a personal loan in Georgia, as represented in this image.

Individuals who need personal loans in Georgia should ask a credit union associate – not to mention themselves – several questions first. Clearly, those questions should start with, “Do I really need a personal loan, or can I manage without it?” Having some debt is wise in order to improve your credit score, but you also don’t want to overwhelm yourself with too many loans. That being said, a personal loan may help you consolidate debt, pay for large purchases, and so much more. If...

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Homeowners can use home equity loans to their advantage. In this image, a happy couple are assessing their finances in their home.

Whether you’re trying to conquer life or overcome an obstacle, taking advantage of home equity loans can be a smart way to achieve your goals. Similar to other types of loans, home equity loans can be used for many purposes, including such things as paying for those holiday expenses coming up over the next several weeks. Borrowers would receive the loan in one sum and pay it back, as opposed to having a revolving line of credit like they would with a credit card. Home...

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Our savings, mortgage, simple loan, and auto loan calculator can help couples, like the one in this image, plan their expenses.

Are you wondering if you should lease or buy a car? Do you have enough room in your budget for that beautiful Georgia home you’ve been admiring? How much will you have to set aside to make your savings account work for you? With our auto loan calculator, mortgage calculator, simple loan calculator, and savings calculator, you can plan your expenses in order to stay on track toward your goals. Buy vs. Lease Auto Loan Calculator By answering a few simple questions in the auto...

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To understand a HELOC vs. home equity loan, think of a credit card vs. a loan.

Do you have big life events coming up? Do you need money for unexpected expenses? Are you hoping to transform your home into a beautiful haven? If so, you may be considering obtaining a loan and wondering about HELOC vs. home equity loans. Both offer numerous benefits, but the right choice for you may come down to your personality and lifestyle. Here’s what we mean. Basic Facts About HELOC vs. Home Equity Loans Home equity is the difference between the value of your home and...

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Home equity loans can be beneficial and effective.

Home equity loans may be one of the best-kept secrets in the financial world. Credit cards, mortgage loans, and personal loans get all the attention, but home equity loans can be just as effective and beneficial. Are you hoping to renovate your home, for instance, or do you have holiday expenses coming up that you need to pay for? Home equity loans are ideal solutions for both, but that’s just the beginning. What is Equity? New homeowners frequently ask us, “What does home equity mean?”...

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A couple speaks with a mortgage banker in this image. Are you looking for a mortgage lender in the Savannah Metropolitan Area? If so, we may help you decide which options are best for you.

Are you planning to purchase a new home in Georgia? Congratulations! We are happy for you. Finding the perfect home is a big decision, as is choosing a mortgage lender in the Savannah Metropolitan Area who can meet your needs. Mortgages are available through Credit Unions, banks, and private lenders, but the many different formats and options may be overwhelming. We are here to answer your mortgage questions one-on-one. In the meantime, however, here are a few steps you may wish to take beforehand as...

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