Author: PEFCU

Article brought to you by:   At some point, you have to stop putting it on your credit card “and paying it off in January.” Just say no!   I used to think it was so strange when my mom joked, “Let’s just skip everything this year, OK?” How could she even dream of it!   But as a relatively functioning adult with my own bills and credit card balance to think about, I find myself agreeing with her. I may be too young still to be this cynical, but I also haven’t been this stressed since … last December.   No matter how many…

Fall is here, which means the winter holidays are right around the corner. Anyone could feel a little overwhelmed during the holiday season, leading to procrastination, shopping anxiety, or delayed gift-picking. But the holidays are meant to be full of fun and love, so minimizing your stress is the best strategy for thoroughly enjoying the holidays.   Below are a few tips that will help you be “on your game” by shopping early this year!    1) Create a Gift List   While it can be fun to buy gifts for everyone you know, smart holiday shopping starts with creating a list of your closest relationships. Once you make the…

Every year around the holidays, we put a large focus on our personal finances. Everyone is looking for deals and ways to save money. We’re budgeting for holiday gifts and planning family get-togethers. While you’re giving thanks for everything you have, we have some money-saving hacks that you can put into action right away!   Shop early, and shop sales.  Many grocery stores, like Publix, start their holiday sales early. Take advantage of those holiday sales as early as possible, as well as regular weekly sales.  Also, sometimes buying store-brand products can save you some money without sacrificing quality. In fact, many Publix branded items are produced by leading national brands.   Remember, every penny adds up!   Have a potluck…

Each industry has its own unique terminology, and insurance is no different. Below are 20 common insurance terms and definitions you may encounter when researching coverage for yourself, your family, or your personal assets.  Deductibles: A deductible is an amount you (the policyholder) agree to pay the insurance company before covering any losses. Along with your standard deductible, you’ll come across other types of deductibles for various losses, such as:  Earthquake  Flood  Wind  Hurricane  Hail  Collision Comprehensive  All-Peril Co-Pays: A co-pay is a form of coinsurance that is typically a flat fee you pay before receiving access to any medical treatment.…