Business
Rising living costs are increasing credit card usage

The recent cost of living crisis has affected millions of people across the UK, with 46 million people reporting that their cost of living has increased since November 2021. Costs are continuously on the rise, and unfortunately many people are struggling to pay bills on time, or at all, and afford basic necessities like food, clothes, and heating.
In order to get by, more and more people are using alternative methods to make ends meet. This includes buy now, pay later schemes, relying on credit cards, or taking out personal loans. Whilst this can work for some in the short term, it has the possibility of leading to long term implications like debt and a bad credit rating.
Increased reliance on credit cards
When used responsibly, credit cards can be a great tool for spreading costs and could help with building a better credit score. However, the pressures of inflation has led to a significant growth in credit card usage, with a 0.8% rise in total credit card spending year-on-year in the UK.
More people are having to use credit cards to get by on a day-to-day basis which is leaving some people in debt. In fact, outstanding credit card debt reached £70.1 billion – an increase of 7.02% in the year to April 2024.
Once you’re in debt it can be incredibly difficult to get out of it. You need to have enough income to cover your living costs and day-to-day expenses as well as your debt in order to start reducing it. Unfortunately, the inflated living costs are making it even more difficult for people to break the cycle of debt, and are leading to poor credit scores.
How a bad credit score can affect you
Carrying a lot of debt or failing to make payments on time could affect your credit rating. This, in turn, can lead to several complications regarding some financial products or your ability to rent.
You are less likely to be accepted for mortgages and loans
Bad credit makes you look less appealing to mainstream lenders, who will be less likely to offer you a loan or accept a mortgage application as they view you as high risk. Similarly, a landlord or estate agent may be unlikely to consider a rent application for the same reason.
Qualifying for a credit card may be difficult
Like with loans, lenders will check for debt and a low credit rating. If your credit score is poor and you have a significant amount of debt, it’s much more likely that your credit card application will be refused.
Getting car finance can be tricky
Getting car finance is another difficulty when you have bad credit. Lenders will be much less inclined to offer you car finance if you have higher risk factors such as debt and a history of missed payments.
Fortunately, there are still ways to finance a car with bad credit. It’s important to note that whilst it is possible to get car finance even with a bad credit score, you do need to be sensible about it. Always do your research around which car would be suitable for you and what will match your budget.
You might face larger interest rates
If you do get accepted for a loan, mortgage, or credit card whilst you have bad credit, it’s not unusual for your repayments to be much higher than that of someone with a good credit rating. Lenders do this as a way to better protect themselves since the risks they are taking are higher when someone has a poor credit history.
Your car insurance premiums could be higher
A bad credit score could lead to higher auto insurance premiums. Whilst it’s unlikely you’ll ever be rejected for insurance based on your credit score, it is likely you will have less available options and the premiums on offer could be much more costly.
Financial products can still be beneficial
When used correctly, credit cards, loans, and other financial products can be advantageous in helping you make larger purchases such as cars or houses. However, it’s important to note that whilst they can be a good tool for spreading costs, it’s essential to conduct thorough research when considering a financial product as you are responsible for your own credit.
Business
Angle pub refused planning permission for beer garden

AN APPEAL against a national park refusal of decking at a Pembrokeshire seaside village pub, installed for safety reasons after a child had near miss with a vehicle, has been launched.
Last year, Kath Lunn, of the Hibernia Inn, Angle, sought retrospective planning permission from Pembrokeshire Coast National Park to keep wooden decking installed at the front of the pub that April.
The application was submitted after national park enforcement investigation.
The proposal – in the village’s conservation area – was supported by Angle Community Council, and two letters in support of the scheme, on highway safety grounds, were also received.
Kath Lunn, in her application said the decking was erected following a near miss with a child on the adjoining road earlier this year.
“There has always been bench seating there with umbrellas, but earlier this season there was a very close miss when a diner’s child ran into the road and was almost knocked down. We felt it our duty of care to the customers to make the area safe.
“We considered a brick wall but thought this decking would be more aesthetically pleasing being made of natural wood. We did extend out a little further than we wanted to, to avoid cars parking and causing an obstruction in the roadway as we have experienced this in the past.”
Concerns were raised about the design by the park’s building conservation officer, who said: “The works clearly neither preserve the character or appearance of the conservation area, especially the latter.
“I am aware of the problems facing village pubs and the need to provide improved facilities – and the pub is clearly vital to the community.
“There is potential here for an alternative scheme whereby the front garden is enclosed by a traditional wall and the tables and chairs provided within a nicely landscaped frontage. That would be a gain from the original open tarmac area and hopefully would provide a viable option.”
An officer report for park planners recommended refusal on the grounds of the impact it would have on Angle’s Conservation Area.
It added: “The applicant has stated that the new decking would create a safer area for patrons, due to the front seating area being in close proximity to the highway. This application has been submitted as a result of investigations being carried out by the authority’s enforcement investigation section.”
While the conservation officer’s alternatives were noted, “the current application is a refusal due to the impact on the Conservation Area,” adding: “It is considered by officers that the retrospective development appears as a bulky adjunct when viewed from the highway and stands out as a discordant element within the village, at odds with the prevailing character and appearance of the street scene and neighbouring listed buildings, which form an important part of the setting.”
A report before the April 9 meeting of the national park’s development management committee, said that initial appeal documentation has been forwarded to Planning and Environment Decisions Wales (PEDW).
The appeal will be considered at a later date.
Business
Bluestone to become UK’s first fossil fuel free family resort

PEMBROKESHIRE’S Bluestone National Park Resort is set to make history by becoming the UK’s first fossil fuel free luxury family holiday park in 2025.
The resort, located near Narberth, has unveiled ambitious operational plans to eliminate fossil fuels from all aspects of its operations. Bluestone will purchase only renewable electricity through its partnership with Ecotricity – widely recognised as Britain’s greenest energy provider – while replacing traditional fuels with sustainable alternatives. These include bioLPG in place of mains gas, and hydrotreated vegetable oil (HVO) instead of diesel and kerosene. Solar power generated by the resort’s on-site 3.2MW solar park already meets a third of its annual electricity demand.
Bluestone has long demonstrated a commitment to sustainable practices. In 2008, it became one of the first in the world to heat a water park – the Blue Lagoon – entirely without fossil fuels. Since then, the resort has continued to reduce its carbon footprint, and the completion of the solar park in 2024 marked a major milestone on its journey.
The resort’s approach extends beyond its own operations. Two external grounds maintenance contractors working on-site have also now transitioned to using electric machinery and HVO fuels in support of the wider sustainability mission.
In 2024, both Bluestone and Ecotricity received top-three rankings in their sectors by Which?, with Bluestone recognised as one of the UK’s best holiday resorts, and Ecotricity ranked among the leading eco energy providers.
The partnership supports Bluestone’s efforts to eliminate all fossil fuels across its scope one and two emissions – those generated directly by the resort and through purchased energy. The resort is also aiming to become entirely self-sufficient in renewable electricity generation within the next decade.
Marten Lewis, Bluestone’s Sustainability Director, said:
“Bluestone’s partnership with Ecotricity showcases there is another way forward. There’s a genuine synergy between our two companies, shaped by visionary founders who believed in putting people and the planet at the heart of business. In 2004, Bluestone’s founder, William McNamara, began the regenerative tourism movement here in Wales by transforming a 500-acre dairy farm into a pioneering, sustainable resort – a vision laid out in his original green book the same year the UN coined the term ESG.”
Mr Lewis added that Bluestone’s solar park project includes a long-term partnership with Swansea University to monitor biodiversity at the site, with the goal of producing influential academic research over the coming years.
“Bluestone doesn’t aim to have zero impact – we want to have a positive impact with everything we do,” he said.
Ecotricity founder Dale Vince said:
“Big congrats to Bluestone. From ditching intensive farming in favour of regenerative tourism to building a new solar park – this is a holiday park that fits with our values. I’m pleased Bluestone has chosen Ecotricity to provide the balance of green energy they need to go fossil free. We’re looking forward to helping them bring their green ambitions to life.”
More information about Bluestone’s sustainability journey and bookings can be found at: bluestonewales.com
Business
Caban Pendine celebrates launch of new 12-hole crazy golf course

A BRAND-NEW 12-hole crazy golf course has officially opened at Caban Pendine, bringing fun and adventure to the heart of Pendine Sands.
The course was unveiled at a special launch event held at 2:00pm on Friday (April 11), with families, residents, and visitors among the first to enjoy the colourful and creative course. The attraction features imaginative obstacles, bold designs, and plenty of twists and turns—offering a light-hearted challenge for players of all ages.
Set against the stunning backdrop of Pendine Sands, the new course adds to the area’s growing reputation as a leisure and tourism hotspot.
Cllr Hazel Evans, Cabinet Member for Regeneration, Leisure, Culture & Tourism, said:
“We are delighted to officially open the Crazy Golf course at Caban in Pendine. It’s been fantastic to see so many people enjoying themselves and getting into the spirit of friendly competition. This new addition enhances our leisure offering and provides a great activity for families, friends, and visitors of all ages.”
Course now open daily
The Caban Crazy Golf Course is now open every day between 11:00am and 5:00pm, offering an affordable and entertaining experience. Whether you’re planning a day out with the kids, a casual game with friends, or just looking for something different, the course promises plenty of fun and laughter.
Visitor information
Location: Caban Pendine, Pendine Sands
Opening hours: 11:00am – 5:00pm daily
Admission: Adults £5, Children £4, Concessions £4
For more information, visit www.cabanpendine.wales or follow @CabanPendine on social media for updates, events, and special offers.
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