While everyone is telling you in your 20s that you have your whole life ahead of you and you are young. Do not underestimate the importance of the financial decisions you make in your 20s. Making smart money moves when you are just starting out in life can make all the difference in the success of your financial future. A few smart choices and strategic cutbacks in your 20s may actually help you have the means to have an even better quality of life in the future.

High school life is FULL of choices and change. Students trying to figure out where they want to go to college, playing sports, joining extracurricular clubs, and just life overall. With everything going on, it's easy to overlook any thought to finances since realistically speaking, most high school students are limited to allowances or income from a part-time job.  If you have a job or even an allowance; it is time to start learning about financial planning for your future. When you are in high school, the financial choices you make can affect your adult life, so learning some smart financial planning tips now is crucial. 

Making informed decisions has never been more difficult. We live at a time when internet-driven misinformation clouds issues and perpetuates myths. This holds particularly true when trying to make an intelligent credit union vs bank choice. However, a fact-based deep dive shows that people from all walks of life may be better served by working with a local credit union.

Owning a home of your own is part of the American Dream. But a first-time homebuyer must take diligent steps to be in a position to make what may be their single largest investment. If you are getting organized to secure a mortgage, these are essential things every first-time homebuyer needs to know.

If you rank among the millions of people struggling with high credit card balances and other types of debt, don’t let sometimes false or misleading information lead you away from viable solutions. Although some news about debt consolidation loans may seem convincing, those phony narratives remain far removed from the truth. After understanding the following myths about debt consolidation loans, it may be in your best interest to contact America's Credit Union to discuss your financial situation and possible debt consolidation solutions.

If you are like many homeowners who feel consumer debt has reached a tipping point, securing a home equity loan could prove invaluable. Qualified borrowers who put equity to work often consider these products the best debt consolidation loans, bar none. Although everyone possesses a unique financial portfolio and has different long-term goals, leveraging a portion of your home’s equity can deliver the relief working families deserve. Here are the reasons why America's Credit Union Lending Specialists say using a home equity loan for debt consolidation is a viable option.

There is no better way to start the new year than to spend some time taking care of YOU! Do not underestimate the benefits of having a positive mindset, a healthy body, and a peaceful soul. Self-care is truly the ultimate gift you can give to yourself and your loved ones. A healthy you means a better person for yourself and those you care about.

It’s that time of year again when all the excitement of the holidays has passed, and it’s too cold and dreary to enjoy your favorite outdoor activities for a few months. Unfortunately, this is also when the winter blues can set in for many folks. That’s why it is a great time to have some hobbies and other engaging indoor activities planned to bring a little fun inside this winter…and beat those winter blues.

If you feel overwhelmed by mounting debt, you’re not alone. Americans reportedly have more than 500 million credit cards and balances exceeding $807 billion. The average family credit card debt stands at approximately $6,270, and there are no quick fixes for people with multiple cards and mounting debt. Although credit cards offer great benefits such as added protection when compared with cash, convenience, and the necessity for online purchases, they can become a crutch for those who struggle to use them correctly. If you feel like you are in quicksand trying to gain control of your credit card spending, the following strategies provide a roadmap of how to pay off credit card debt quickly.

The tradition of giving holiday gifts has become linked to mass-marketing campaigns with consumers urged to purchase this year’s trendy items. From the c Cabbage Patch Dolls to Tickle Me Elmo, these and other "trendy" hot gifts from previous years have largely found their way to back-of-the-closet shelves and tag sales. Rather than follow the latest fad, it may be worthwhile to think outside the box and select unique and memorable holiday gifts. Handmade and experience-driven presents require less strenuous budgeting on your part. They also let your friends and family know they are valued.