Entries by Edward Taylor

Top 5 Ways To Budget Around the Holidays

The holiday season is big business for retail stores, holiday destinations, toys, and gift shops. During this period, people spend a lot to please their family and friends, without budgeting. The National Retail Federation estimates that holiday retail sales will top $730.7 billion this holiday season. Average consumer spending this holiday season is expected to […]

The Value of a Home Equity Credit Line

A home equity loan is also known as a second mortgage. Essentially, with a home equity loan, you borrow money against the value of your home (in this way, you use your home as collateral for the loan). The value of your home will impact the amount of money you may qualify for in a […]

Heritage Bank Employee Spotlight

Get to know Karen Borges, Administrative Assistant to Kerry Arnold, the Henry County President for Heritage Bank. Karen has lived in this community for more than 31 years. She and her husband have two school-aged children, 3 dogs, one cat, 7 chickens and a beta fish. We call Karen the “Super Woman” of Henry County; […]

Tips to Reduce Financial Stress – From Panic to Plan

Money problems are nothing new. With the amount of debt growing for the average American, you are not alone. If you want to get a handle on your financial stress, you need to start taking action. Here are several tips on how to reduce financial stress: Create a Financial Plan It is important to have […]

Want to Save On Your Energy Bill? Here’s 5 Ways to Do Just That.

Summertime brings vacations, spending time outside, and fun with friends and family. It also brings higher energy bills. To keep your home comfortable throughout the season, you likely have the AC running, which substantially impacts your energy consumption. While it’s important to keep your home at a reasonable temperature, especially for young children and the […]

How to Enjoy a Summer Getaway, Without Breaking the Bank

After a grueling winter, filled with snowstorms and temperatures below zero, a summer vacation is truly well-deserved. However, most Americans break the bank whenever they plan for a getaway during warm weather. Indeed, one in three Americans spends about $1000 per person when they go on vacation. This can make planning for a getaway a very costly […]