facebook Money Management Archives - Georgia Heritage Federal Credit Union
Routing Number: 261271694

Category: Money Management

There are many ways to save money by working from home in Georgia during the COVID-19 pandemic. This image shows a woman at work with a laptop in front of her.

Being able to save money may be one of the few silver linings of this COVID-19 pandemic. Many remote workers who used to drive to work every day realized this quickly. You may be able to save money by working from home in many ways, especially if you make a concerted effort to do so. And that’s not a bad idea considering the unpredictability of the near future. Consider these 8 ways you could save money by working from home: 1. Spending less on gasoline...

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Grocery shopping tips that may save money: During this coronavirus pandemic, stock your pantry with versatile, inexpensive foods with a long shelf life. You should also keep your budget in mind when grocery shopping online.

Staying at home more during this coronavirus pandemic has forced us to change the way we do things, and our grocery shopping and dining patterns are a prime example. One thing many of us have adapted to is making more meals at home, how to buy groceries online easily, and which foods we should try to have in our pantry at all times. However, it’s important to stick to your budget while shopping online. Overspending can be tempting when endless possibilities are at the tip...

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You may need to stretch your dollar during the COVID-19 pandemic if you have lost your job. Here are a few money-saving tips.

More than 1 million Georgians have lost their jobs due to the COVID-19 pandemic and subsequent stay-at-home orders, leaving many families worried about the future. Unemployment benefits may help to a certain point, but families may only receive these benefits for a limited time. That means it’s important to stretch your dollar during the coronavirus pandemic in order to reduce expenses. If you are still employed but have been forced to work from home, that may mean you are already saving on gasoline expenses. The...

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In order to avoid impulse buying, think about what you could do with the money saved.

If you calculate all the money you spend on unnecessary items every month, you may be astonished – and possibly even heartbroken. That extra money could have meant a new dress or a new suit to last you much longer than a few hours. More importantly, you could have used it to pay a household bill or maybe even saved it up for a rainy day. Avoiding impulse buying is a smart way to reduce expenses and save money, but with so much to buy,...

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College students may save money with several simple changes.

With the fall 2019 college season underway, many students may be wondering how they can manage expenses this year. With the cost of classes, textbooks, online programs, clothing, food, transportation, entertainment, and more, the college experience can be overwhelming. College students may save money in many simple ways, and it doesn’t even mean they have to forego enjoying the college experience. If you don’t want to completely eliminate unnecessary expenses, simply cutting down a little can take you a long way during your college years....

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Several debt consolidation options may be available to you.

Debt consolidation is an effective solution for some individuals, but there are many pros and cons of each option to consider. The general advantage of debt consolidation is that a consumer can combine debts into one payment, possibly helping to eliminate some of the stress involved in receiving and paying multiple bills. Beyond that, following is a basic breakdown of three common debt consolidation options, along with the potential pros and cons of each. Balance Transfer Card Pros: Potentially lower introductory interest More funds may...

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What is a credit union, and what is the difference between a credit union and a bank? Contact one of our associates to learn more.

You probably know that there are differences between credit unions and banks. However, you might not be exactly sure what they are. For starters, a credit union is a cooperative financial institution, owned and controlled by the people who use its services. Credit unions are not-for-profit and exist to provide a safe, convenient place where members may save money and may get loans at reasonable rates. Who Can Join a Credit Union? Generally, individuals who live, work, worship, or attend school in the area a...

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Having a high credit score may help you when you are trying to obtain a loan.

The early summer months are the busiest times to purchase a home, which means you might be in the home buying market. In order to get the best deal, a high credit score is imperative. As described by the U.S. government website, “a credit score is a number that rates your credit risk. It can help creditors determine whether to give you credit, decide the terms they offer, or the interest rate you pay.” That means that having a high score is incredibly beneficial. What...

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Wealth management tips may help you secure your financial future.

Once you’ve begun to save and grow your “nest egg,” the questions change from those of paying down debt and escaping the paycheck-to-paycheck existence. If you find yourself with assets that are growing, you need a different type of financial assistance: wealth management assistance that may help you secure your financial future and protect the money you’ve worked hard to earn! Grow Your Money Sustainably It's tempting to keep all of your savings liquid, or accessible without penalty, but you'll find that there are limits...

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A debt consolidation loan may simplify your life in more ways than one.

With so many responsibilities in your life, keeping track of when each of your bills is due and whether or not you actually made the payments can be overwhelming. A debt consolidation loan may make it all so much easier for you by bringing many of these bills together. Here’s how. 4 Ways a Debt Consolidation Loan can Help You 1. You have one interest rate. When you only have one interest rate, you don’t have to question which debt to pay off first, calculate...

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