Community
Start saving for Christmas now, urges Credit Unions of Wales
HAVING passed the halfway to Christmas mark, the Credit Unions of Wales are encouraging families to start saving now to put a stop to money worries during this year’s festive season. People in Wales are the second highest Christmas spenders in the UK, with the average Welsh household spending £596 on gifts each year. By setting aside £24 a week from this week on, families will be able to save their annual spend in advance of Christmas. This way they can avoid falling into debt and will only pay as much as they spend, rather than having to pay back interest on top of a loan to help them cover the cost. There are 21 credit unions in Wales and many of them offer special Christmas Saver accounts which ‘lock’ your monthly savings until November. This means you can only access your savings when it’s time for present shopping and won’t be tempted to spend them on something else before Christmas arrives. Several also offer incentives, such as a £10 bonus so people can start saving straight away or entering all account holders into a December prize draw. Many credit unions across Wales also offer low-interest Christmas loans which can be paid off within a year with small weekly payments. One example is Cardigan-based West Wales Credit Union which offers a £100 Christmas loan with weekly payments of £2.33 and a total repayment of £112.70. The Credit Unions of Wales have recently joined forces to participate in a Wales-wide marketing campaign to encourage more people to save, borrow or invest with their local credit union. Campaign spokesperson and General Manager of North Wales Credit Union, Barry Roberts, said: “Thousands of households across Wales struggle to balance their gift budgets with paying bills on time, but thankfully Christmas isn’t one of those unforeseen expenses such as a broken boiler or car repairs so you can prepare for it. “We’d always recommend saving in advance for such occasions so that you’ve already covered the cost before you incur it and by starting now you’ll be well ahead. “If you don’t manage to save everything you need in time, we also offer Christmas loans with much lower interest rates than payday lenders and we make sure you only borrow as much as you can afford. “With all of the sales on over the summer, it’s even worth thinking about taking out a loan now so that you can get your gifts at a better price and pay off the cost before Christmas arrives.” Credit unions are regulated by the same supervisory bodies as banks and customers’ savings are protected by the Financial Services Compensation Scheme, but credit unions offer additional member benefits such as no hidden admin costs, set-up fees or early repayment charges. Credit unions have no third party shareholders which means dividends are paid to savers instead, and they don’t rely on automated credit checks so all loan decisions are ultimately made by a real person. There are 21 Credit Unions across Wales, which means that everyone in Wales has a local credit union they can join. To find yours, visit www. creditunionsofwales.co.uk
Community
Pembroke Fair praised as well-organised community event
HORSES, STALLS AND FAMILY CROWDS RETURN TO MONKTON
FAMILIES, horse owners and visitors turned out in force for Pembroke Fair on Saturday (May 23), with many praising the event as one of the best organised in recent years.
Held at the Community Centre Field in Monkton, the annual fair brought together horse owners, traders and local families for a traditional day centred around horses, ponies, stalls and socialising.
Coloured cobs, heavy horses, ponies and horse-drawn traps attracted attention throughout the day, with many visitors gathering around the field to watch the animals being shown and led around the site.



A variety of stalls selling everything from clothing and ornaments to tack and second-hand goods helped create a lively market atmosphere, while food vendors kept visitors fed throughout the day.
Despite overcast conditions at times, the event remained busy, with many attendees staying for several hours to enjoy the traditional fair atmosphere.
Community members later took to social media to praise the smooth running of the event, with several publicly thanking organiser Charlie Price for his efforts in bringing the fair together.
Comments described the day as “well organised” and praised the welcoming atmosphere, with many saying it was encouraging to see a long-standing local tradition continuing to thrive.
The fair once again brought together members of the travelling community, local residents and horse enthusiasts from across west Wales.






A horse drive was also due to take place on Sunday (May 24), continuing the weekend’s celebrations.
Photo captions:
Traditional gathering: Horses, ponies, horse-drawn carts and market stalls drew crowds to Pembroke Fair in Monkton on Saturday (Pic: Herald).
Business
New facilities at Haverfordwest Target Shooting Club agreed
A CALL by a Pembrokeshire shooting club for more disability-friendly facilities has been given the go-ahead by county planners.
In an application to Pembrokeshire County Council, Haverfordwest Target Shooting Club, through agent Andrew Sutton Architecture, sought permission for an extension to existing target shooting club building at The Firing Range, Withybush Road, Haverfordwest to improve accessibility and internal facilities, together with associated landscaping works.
A supporting statement said: “The club’s own published history states it was founded in 1968, moved from the Drill Hall to the old wartime airfield butts at Withybush by the early 1970s, and had developed facilities over time, including the clubhouse by 1999. The established leisure/community use has existed on the site for a number of years and the proposal does not seek to intensify the core activity beyond that already authorised/established.”
It added: “The primary objective of the scheme is to improve inclusive access to the club’s facilities for disabled users and those with reduced mobility. The internal arrangement will provide adequate entrance and lobby space, clear accessible routes and appropriately designed sanitary accommodation, including an accessible wetroom/shower and separate WC.”
It also said accessible parking and surfacing designed to provide a firm, even, slip-resistant route from parking to the principal entrance.
It added: “The Equality Act 2010 places duties on service providers to make reasonable adjustments so that people with additional access needs are not placed at a substantial disadvantage.
“The proposal is therefore a positive enhancement to a community/leisure facility and supports wider policy objectives for inclusive environments.”
It went on to say: “The club operates within a highly controlled environment, and the proposed works will maintain and enhance safety and security measures.”
The application was conditionally approved by planners.
Community
RNLI urges beachgoers to stay safe as warm weather hits Wales
Lifesaving charity warns of cold water shock risk despite rising temperatures
THE RNLI is urging people planning trips to the coast over the Bank Holiday weekend to choose lifeguarded beaches and follow essential water safety advice as warm weather draws crowds to the seaside.
With temperatures expected to rise across Wales, the lifesaving charity has warned that, although conditions may appear ideal, the sea remains dangerously cold and poses a serious risk of cold water shock.
The RNLI says the safest place to swim is between the red and yellow flags at lifeguarded beaches.
In Pembrokeshire, RNLI lifeguards will be on patrol at Whitesands, Newgale Central and Tenby South Beach throughout the May half-term, operating daily between 10:00am and 6:00pm.
Other lifeguarded beaches across Wales include Langland, Caswell, Aberavon, Pembrey, Three Cliffs and Port Eynon in Swansea; Barry Island, Coney Beach, Trecco Bay and Rest Bay in Bridgend; Llangrannog and Borth in Ceredigion; and Rhyl and Prestatyn in Denbighshire.
The RNLI is encouraging anyone unable to visit a lifeguarded beach to check local conditions before setting off, including tide times, weather forecasts and any safety signage.
Chris Cousins, the RNLI’s Regional Water Safety Lead, said: “There will likely be a huge number of people visiting the coast this weekend and we want everyone to remember Float to Live advice, which could save lives.
“Instinctively, most people who find themselves struggling in the water will begin to gasp, panic and try to swim or thrash about.
“We’re urging people to ignore this instinct and remember to float. Tilt your head back with your ears submerged, relax and try to breathe normally, and move your hands and legs to help you stay afloat if needed.”
He added that practising floating in a supervised setting, such as a swimming pool, could help prepare people in case they find themselves in difficulty.
‘Phone, Float, Throw’
The RNLI is also reminding the public to remember the “Phone, Float, Throw” guidance if they see someone struggling in the water.
People are advised to call 999 or 112 and ask for the Coastguard, encourage the casualty to float on their back, and throw something buoyant to them, such as a life ring.
The charity recently relaunched its “Float to Live” campaign, citing new research suggesting younger adults, particularly Generation Z, may underestimate the dangers posed by the coast.
According to the RNLI, there were 193 accidental drowning deaths in the UK in 2024, with men accounting for 84 per cent of fatalities. Men aged between 20 and 29 represented the highest risk group.
The RNLI’s beach lifeguard service is marking its 25th anniversary this year.
For more information on staying safe at the coast, visit the RNLI’s Float to Live campaign.
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