Connect with us
Advertisement
Advertisement

Community

Start saving for Christmas now, urges Credit Unions of Wales

Published

on

credit unionHAVING 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

Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Community

Crowds line streets as tractor run hailed a festive success

Published

on

CROWDS lined streets and pavements across Pembrokeshire on Saturday evening (Dec 20) as Clarbeston Road AFC’s illuminated Christmas tractor run was hailed a resounding success.

More than 200 tractors took part in the event, travelling through villages and towns including Newmoat, Maenclochog, Llys-y-frân, Walton East, Clarbeston Road, Wiston, Newbridge, Poyston Cross, Crundale and Haverfordwest, where large crowds gathered to watch the festive convoy pass through.

Families, children and residents wrapped up against the cold to enjoy the sight of tractors decorated with Christmas lights and festive displays, with applause and waves greeting drivers as they made their way through built-up areas and rural roads alike.

The convoy set off from the Clarbeston Road AFC Knock Playing Fields at 5:30pm and concluded at the County Showground in Haverfordwest later in the evening. At the end of the run, refreshments were available and the raffle draw took place at the Park House building, which was open to the public.

Organisers said the turnout from both drivers and spectators exceeded expectations, with the event once again bringing communities together while raising funds for local causes, including The Catrin Vaughan Foundation, In It With Isaac, and Wales Air Ambulance.

Clarbeston Road AFC thanked tractor drivers, volunteers, sponsors and members of the public for their support, as well as residents and road users for their patience while the convoy passed through.

The illuminated tractor run has become a firm fixture in the local festive calendar, with Friday night’s event described by many spectators as one of the best yet.

Continue Reading

Community

Charity tractor and car run set to raise funds for Macmillan and Paul Sartori

Published

on

A CHARITY tractor and car run in memory of Charles Rees is set to take place in Pembrokeshire later this month, with funds raised supporting Macmillan Cancer Support and Paul Sartori Hospice at Home.

The Charles Rees Tractor & Car Run will be held on Sunday, December 28, 2025, starting and finishing at Dudwell Farm in Camrose.

Participants are being invited to “start their engines” in aid of the two charities, with gates opening at 9:00am and the convoy leaving promptly at 10:30am. Organisers have confirmed that the run will operate with no halfway stops, returning to Dudwell Farm at the end of the route.

The event will begin and finish at Dudwell Farm, Camrose (SA62 6HJ), and is open to tractors and cars. Registration and cash payment will take place on the day, with the price to be confirmed nearer the event.

Additional donations can also be made locally in the run-up to the event at Camrose Country Hardware and Croesgoch Stores.

The run has been organised to raise money for Macmillan Cancer Support, which provides vital care and assistance to people living with cancer, and Paul Sartori Hospice at Home, which supports patients and families across Pembrokeshire during some of the most difficult times of their lives.

Organisers say more information will be released closer to the event and are encouraging the local community to support the run, whether by taking part, donating, or lining the route to show support.

The event is expected to attract strong local interest, continuing Pembrokeshire’s tradition of community-led fundraising in support of much-valued charities.

Continue Reading

Community

Cilgerran school could be discontinued as consultation launched

Published

on

A CONSULTATION on proposed changes for a north Pembrokeshire school, which attracted a near-400-strong petition in opposition to the council, has been launched.

At its May meeting, Pembrokeshire County Council considered a report of the School Modernisation Working Group which outlined the findings of a review of education provision in the Preseli area.

“In particular, the review considered the extent of surplus school places in the area, set against a significant decline in the pupil population,” the council in its consultation on proposals for discontinuation of Cilgerran Church in Wales Voluntary Controlled School has said.

A later July meeting of the council, following May’s agreed consultation with St David’s Diocese, backed a general consultation to discontinue Cilgerran Church in Wales Voluntary Controlled School, and to establish it as a 3-11 community school.

The consultation was launched on December 16 and runs to January 30.

Hundreds have opposed the proposed changes, with a petition, on the council’s own website opposing the changes recently closed after gaining 391 signatures.

Any petition of between 100 and 499 signatures triggers a debate at one of the council’s Overview and Scrutiny Committees, and any over 500 a debate at full council, meaning this petition will be heard by committee members at a later date.

The proposals for Cilgerran are part of a wide range of potential education changes in the county.

Two petitions, opposing the potential closures of Manorbier and Ysgol Clydau schools, were recently heard at full council and a further petition opposing the potential closure of Stepaside School has recently been launched.

The Cilgerran e-petition, created by Louise Williams, raised concerns including the school could become part of a federation, a loss of permanent head teacher on site, a shared head teacher would have to oversee several schools, loss of funding control and the ability to maintain the school’s current healthy and stable funding, and a loss of commitment to the church, in turn could impact on the school’s and pupils values, beliefs and cultural beliefs. 

It said: “Ysgol Cilgerran VC school has strong links with the Church community in Cilgerran and we believe this will have a negative impact on the children who attend the school, the community of Cilgerran and the links between the two.

“We are proud of our school ethos and values which are strengthened by our links with the church. The school has close and strong relationships with our Church in Wales federation governors one of which is also our safeguarding governor.

“Our Church Federation governors work closely with the school and are regular visitors to the school and the children. They provide vital support and guidance to the school and have a positive impact on the Children’s education. We believe these links will be weakened by this proposal to remove our VC status and we believe this is an un-necessary action.”

Continue Reading

Crime7 hours ago

Cowboy builders jailed after years of bullying and fraud against homeowners

A FATHER and son who preyed on homeowners across south and west Wales — many of them elderly or in...

Community11 hours ago

Crowds line streets as tractor run hailed a festive success

CROWDS lined streets and pavements across Pembrokeshire on Saturday evening (Dec 20) as Clarbeston Road AFC’s illuminated Christmas tractor run...

Crime16 hours ago

Ex-Gwent police officer now living in Pembrokeshire cleared of corruption

A FORMER police officer from Pembrokeshire has been found not guilty of corruption following a trial at Cardiff Crown Court....

Business19 hours ago

Pembroke Dock restaurant to close on Christmas Day after £23,000 rates rise

A PEMBROKE DOCK restaurant owner has said she is “devastated” after being forced to close her business on Christmas Day...

Crime2 days ago

Milford Haven man denies child sex charges as trial date set

A MAN originally from Milford Haven has pleaded not guilty to a series of sexual offences involving a child after...

Crime3 days ago

Bail revoked for teenager charged with rape following Sands Nightclub allegation

A TEENAGER charged with rape following an alleged incident at a Saundersfoot nightclub has been remanded into custody after bail...

Crime3 days ago

Former police officer accused of making sexual remarks to women while on duty

Court hears allegations of inappropriate behaviour during official police visits A FORMER police officer has appeared in court accused of...

Community3 days ago

Community gathers to remember Corrina Baker

Lanterns and balloons released in emotional acts of remembrance FAMILY, friends and members of the local community came together to...

Crime4 days ago

Teenager charged following rape allegation at Saundersfoot nightclub

Incident reported at Sands Nightclub in early hours of Sunday DYFED-POWYS POLICE is investigating an allegation of rape following an...

Crime4 days ago

Milford Haven man jailed after drunken attack on partner and police officers

A MILFORD HAVEN man who launched a violent drunken assault on his partner before attacking two police officers has been...

Popular This Week