Ways to Save Money on Holiday Travel

With the holiday season right around the corner, you may already be thinking about your travel plans.  Whether you’re heading home to be with family, visiting friends, or going on a well-deserved vacation, travel costs can consume a significant portion of your holiday budget.   In this article, we’ll explore ways to reduce travel expenses and keep your money and accounts safe on your journey.   Save on Holiday Travel Expenses  Flights   While airlines offer one of the quickest means of transportation, tickets typically cost the most. To prevent your budget from being depleted before the holidays even begin, review the following…

December 1, 2023Wallet Wins No Comments

With the holiday season right around the corner, you may already be thinking about your travel plans.  Whether you’re heading home to be with family, visiting friends, or going on a well-deserved vacation, travel costs can consume a significant portion of your holiday budget.   In this article, we’ll explore ways to reduce travel expenses and keep your money and accounts safe on your journey.   Save on Holiday Travel Expenses  Flights   While airlines offer one of the quickest means of transportation, tickets typically cost the most. To prevent your budget from being depleted before the holidays even begin, review the following…

12 Financial Resolutions for 2024: A Money-Savvy Twist on the 12 Days of Christmas

As we bid farewell to another year and usher in the promise of a new one, it’s the perfect time to reflect on our financial habits and make some smart resolutions for 2024. In the spirit of the classic holiday song, “The 12 Days of Christmas,” we present you with 12 financial resolutions to help you achieve your money goals and secure your financial future. So, let’s sing along and embrace these twelve money-wise commitments!  Day 1: Create a Budget  On the first day of financial resolutions, commit to starting your financial journey by creating a budget. A well-structured budget…

December 1, 2023Future Planning No Comments

As we bid farewell to another year and usher in the promise of a new one, it’s the perfect time to reflect on our financial habits and make some smart resolutions for 2024. In the spirit of the classic holiday song, “The 12 Days of Christmas,” we present you with 12 financial resolutions to help you achieve your money goals and secure your financial future. So, let’s sing along and embrace these twelve money-wise commitments!  Day 1: Create a Budget  On the first day of financial resolutions, commit to starting your financial journey by creating a budget. A well-structured budget…

Deck the Halls with a Holiday Loan

The holiday season is upon us, and one thing is for sure: We always forget how pricey these celebrations can be until they’re here. Between the gifts, decorations, parties, and travel, your budget will be put to the test. And with prices continuing to stay high, preparation is crucial.  By now, you’re likely starting to see offers for holiday loans. But what exactly are these financial tools? And how do they compare to other options, such as credit cards? You might be surprised to learn that next to paying in cash, holiday loans are one of the best ways to…

December 1, 2023Borrowing Basics, Wallet Wins No Comments

The holiday season is upon us, and one thing is for sure: We always forget how pricey these celebrations can be until they’re here. Between the gifts, decorations, parties, and travel, your budget will be put to the test. And with prices continuing to stay high, preparation is crucial.  By now, you’re likely starting to see offers for holiday loans. But what exactly are these financial tools? And how do they compare to other options, such as credit cards? You might be surprised to learn that next to paying in cash, holiday loans are one of the best ways to…

December Toy Drive: Guardian ad Litem

Welcome back, loyal members! It’s me, Alyssa (your community connection), and I am back with an INCREDIBLE initiative to help jump-start your holiday spirit!  Throughout December, PEFCU will be partnered with local Guardian ad Litem (GAL) organizations to host a gift donation drive at each of our branches. This drive will bring awareness and hope this holiday season to children in foster care who have been abused, abandoned, and neglected. Over 37,000 children were part of the Florida GAL program last year alone. With your help, we can restore their hope and give them something to look forward to under…

November 22, 2023We Are PEFCU 1 Comment
December Toy Drive: Guardian ad Litem

Welcome back, loyal members! It’s me, Alyssa (your community connection), and I am back with an INCREDIBLE initiative to help jump-start your holiday spirit!  Throughout December, PEFCU will be partnered with local Guardian ad Litem (GAL) organizations to host a gift donation drive at each of our branches. This drive will bring awareness and hope this holiday season to children in foster care who have been abused, abandoned, and neglected. Over 37,000 children were part of the Florida GAL program last year alone. With your help, we can restore their hope and give them something to look forward to under…

5 Reasons to Use a Holiday Loan During High Inflation

Between the twinkling lights, cheerful music, delicious food, and endless laughs with family and friends, the holiday season is the merriest time of the year. But those ear-to-ear smiles don’t always come cheap. From travel and entertaining to gifts and decorations, the holidays can get pricey. Add in rising inflation and higher prices, and many are beginning to stress about the upcoming celebrations.   Before you pull out your credit card and start swiping, there’s another option to help pad your holiday budget. Often overlooked, a holiday loan is one of the best ways to cover higher costs. It comes packed…

November 8, 2023Borrowing Basics No Comments

Between the twinkling lights, cheerful music, delicious food, and endless laughs with family and friends, the holiday season is the merriest time of the year. But those ear-to-ear smiles don’t always come cheap. From travel and entertaining to gifts and decorations, the holidays can get pricey. Add in rising inflation and higher prices, and many are beginning to stress about the upcoming celebrations.   Before you pull out your credit card and start swiping, there’s another option to help pad your holiday budget. Often overlooked, a holiday loan is one of the best ways to cover higher costs. It comes packed…

Safeguarding Your Generosity: A Guide to Charitable Giving

Donating to worthy causes is a wonderful way to make the world a better place. Whether it’s helping with the aftermath of a natural disaster, assisting the sick, or another cause close to your heart, you want to ensure your contributions are going where you intend. Unfortunately, scammers are always on the lookout to profit off other’s misfortune.  Charity scams are especially disheartening because they manipulate the emotions of others for profit. Luckily, spotting these fraud attempts can become easy with proper knowledge and a bit of research. The following guide will shed light on ways to ensure your donations…

October 20, 2023Security Center No Comments
Safeguarding Your Generosity: A Guide to Charitable Giving

Donating to worthy causes is a wonderful way to make the world a better place. Whether it’s helping with the aftermath of a natural disaster, assisting the sick, or another cause close to your heart, you want to ensure your contributions are going where you intend. Unfortunately, scammers are always on the lookout to profit off other’s misfortune.  Charity scams are especially disheartening because they manipulate the emotions of others for profit. Luckily, spotting these fraud attempts can become easy with proper knowledge and a bit of research. The following guide will shed light on ways to ensure your donations…

How to Reduce Your Reliance on Credit Cards

In early August 2023, the Federal Reserve Bank of New York revealed that US consumer credit card debt surged to its highest level – topping $1 trillion.1 This upswing in credit card spending comes as individuals nationwide grapple with managing their finances amidst escalating prices.   While rising credit card balances are worrisome, it’s the potential long-term consequences of higher interest rates that are cause for alarm. In this article, we’ll reveal tactics you can implement to reclaim your budget and reduce your dependency on credit cards. But first, it’s essential to understand the cause of these record-setting balances.   The Foundation…

October 20, 2023Wallet Wins No Comments
How to Reduce Your Reliance on Credit Cards

In early August 2023, the Federal Reserve Bank of New York revealed that US consumer credit card debt surged to its highest level – topping $1 trillion.1 This upswing in credit card spending comes as individuals nationwide grapple with managing their finances amidst escalating prices.   While rising credit card balances are worrisome, it’s the potential long-term consequences of higher interest rates that are cause for alarm. In this article, we’ll reveal tactics you can implement to reclaim your budget and reduce your dependency on credit cards. But first, it’s essential to understand the cause of these record-setting balances.   The Foundation…

What is the “Say Yes” Scam?

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks as well. That’s what is happening now as the “Say Yes” scam regains popularity.   The sole purpose of this telephone scam is to get you to say the word “Yes.” It’s simple, seems harmless, and catches people off guard. The best way to protect yourself from this trick is to understand how it works.   How the “Say Yes” Scam Works  The “Say…

October 20, 2023Security Center 1 Comment
What is the “Say Yes” Scam?

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks as well. That’s what is happening now as the “Say Yes” scam regains popularity.   The sole purpose of this telephone scam is to get you to say the word “Yes.” It’s simple, seems harmless, and catches people off guard. The best way to protect yourself from this trick is to understand how it works.   How the “Say Yes” Scam Works  The “Say…

Witchy Ways to Avoid Debt Spells

Greetings, all you savvy sorcerers of savings! This Halloween, we’re delving into the mystical realm of financial wisdom. Just like a skilled witch wards off curses, you can shield yourself from debt spells with our magical tips. 🧙‍♀️✨  🌟 1. Potion of Responsible Credit Card Usage 🌟   Brew up a potion of knowledge and use your credit cards wisely. Keep balances low and pay them off on time to avoid falling into the grasp of high-interest debt goblins. Remember, credit cards are tools, not magic wands! 💳🔮  🌟 2. Enchanting Emergency Fund 🌟   Craft an enchanting emergency fund to protect…

September 18, 2023Borrowing Basics No Comments
Witchy Ways to Avoid Debt Spells

Greetings, all you savvy sorcerers of savings! This Halloween, we’re delving into the mystical realm of financial wisdom. Just like a skilled witch wards off curses, you can shield yourself from debt spells with our magical tips. 🧙‍♀️✨  🌟 1. Potion of Responsible Credit Card Usage 🌟   Brew up a potion of knowledge and use your credit cards wisely. Keep balances low and pay them off on time to avoid falling into the grasp of high-interest debt goblins. Remember, credit cards are tools, not magic wands! 💳🔮  🌟 2. Enchanting Emergency Fund 🌟   Craft an enchanting emergency fund to protect…

Rev Up Your Car-Buying Strategy: Navigating Rising Interest Rates

Navigating between rising interest rates and higher car prices can feel like driving on winding roads. While the current market conditions might not seem ideal for purchasing a new car, there are many ways to make your hard-earned dollars go further.   So, buckle up and enjoy a few savvy tips that will help save you money and steer you toward an excellent car-buying experience.   Do Your Research First  The last thing you want to do is walk mindlessly onto a dealer lot, especially as prices and financing costs are rising. Spending a few hours researching could save you hundreds, or…

September 14, 2023Wallet Wins No Comments
Rev Up Your Car-Buying Strategy: Navigating Rising Interest Rates

Navigating between rising interest rates and higher car prices can feel like driving on winding roads. While the current market conditions might not seem ideal for purchasing a new car, there are many ways to make your hard-earned dollars go further.   So, buckle up and enjoy a few savvy tips that will help save you money and steer you toward an excellent car-buying experience.   Do Your Research First  The last thing you want to do is walk mindlessly onto a dealer lot, especially as prices and financing costs are rising. Spending a few hours researching could save you hundreds, or…