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Start saving for Christmas now, urges Credit Unions of Wales

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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

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Community

Port of Milford Haven renews partnership with Milford Youth Matters

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THE Port of Milford Haven has strengthened its commitment to supporting the development of young people via a renewed partnership agreement with Milford Youth Matters.  The two organisations have been working in collaboration for over five years to improve skills, aspirations, confidence levels and positive experiences for young people in Milford Haven.  The new three-year agreement will enable Milford Youth Matters to deliver Friday night youth provision at a new venue based in Haven’s Head Business Park.

The partnership between the Port and Milford Youth Matters has resulted in hugely successful youth projects including the award-winning Under the Bridge project, WAVE – a water-safety initiative – and Winter Warmers, which provided young people with free meals and a warm space to socialise in a safe environment.  All projects are supporting young people to achieve their full potential with many learning new skills, gaining qualifications and taking up volunteering activities.  They have also led to a decreased anti-social behaviour in the area.

The new premises at Haven’s Head will allow Milford Youth Matters to expand their current offering and focus more on their academy work, which includes upskilling young people.

Dayle Gibby, Co-Ordinator at Milford Youth Matters said: “Its fantastic that the Port of Milford Haven shares our vision in providing ongoing opportunities for young people in our community. By working together we are able to align our resources to ensure that young people are provided with experiences that will enhance their future potential, whether that be employability, volunteering or to become active members of our town.  Our ongoing and enhanced partnership looks to ensure the maximum impact is achieved with long lasting benefits for our future generations.”

Lauren Williams, PR & Communications Officer added: “We’re lucky to have organisations like Milford Youth Matters on our doorstep, offering young people creative outlets and skills opportunities. Our partnership over the past 5 years has gone from strength to strength and we are delighted to be able to increase our support over the coming years.”

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Community

Castle tearoom serves up new sensory-friendly sessions

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NEW sensory-friendly sessions at a popular castle tearoom will enable visitors with additional needs to enjoy a welcoming and accommodating environment tailored to their specific requirements.

As part of an initiative to boost engagement with a more diverse audience, Carew Castle, which is run by the Pembrokeshire Coast National Park Authority, will be running a new Quiet Hour and Power Hour at Nest Tearoom on the second Monday of each month.

The Quiet Hour, designed to provide a safe space for anyone who feels anxious or overwhelmed when out in public, will take place between 9am and 10am, before the Castle opens. Bright lighting and noise will be kept to a minimum and visitors will be able to enjoy quieter activities in a relaxing environment.

The Power Hour is scheduled for 4.30pm to 5.30pm and offers an energetic and engaging session, tailored to promote physical movement and social engagement. The aim is to create an opportunity for individuals who thrive in more active settings to connect with others, without concern for excessive noise or social interaction.

Manager of Carew Castle, Daisy Hughes, said: “We are thrilled to introduce these new sensory-friendly sessions at Carew Castle, as part of our ongoing commitment to accessibility and inclusivity.

“The Quiet Hour and Power Hour sessions aim to cater to the specific needs of our visitors, providing them with an environment where they can truly be themselves. As well as being able to use the café facilities, visitors will be able to explore the Castle garden. For those who wish to explore the Castle, entry is free with a Carers Card. Otherwise, normal entry fees apply.”

The Castle, which was named Pembrokeshire Visitor Attraction of the Year in last year’s Croeso Awards isn’t the only Park Authority-run site to adapt the visitor experience to accommodate more diverse audiences. A Sunday morning Quiet Hour was introduced at Castell Henllys Iron Age Village in 2019 to encourage people who would not otherwise have visited the site to come along and discover more about the lives of their ancient ancestors.

To learn more about the sensory-friendly sessions and to plan your visit, please contact Carew Castle directly on 01646 651782 or visit www.carewcastle.com. Further information about Castell Henllys’ Quiet Hour can be found at www.pembrokeshirecoast.wales/castell-henllys/about-castell-henllys/accessibility-2/.

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Community

Four-day community engagement at Haverfordwest Castle Square

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THOMAS Baden Tudor, Chairman of Pembrokeshire County Council and local councillor for Castle Ward, says he was delighted to participate in the opening of the “Sharing The Square” event. The four-day programme, running from April 24 to 27 at Haverfordwest Castle Square, invites the community to exchange memories and ideas for the future development of this historic area.

The initiative, in collaboration with local artists and Pembrokeshire County Council, aims to collect community input on potential improvements and address existing challenges in the square. The event also seeks to enhance the connectivity with the adjacent Haverfordwest Castle, focusing on pedestrian routes from the square to the castle.

A variety of public activities are scheduled to take place during the event. These include gardening, creative workshops, games, and musical performances, ensuring an engaging experience for all attendees. Among the highlights is an art workshop led by renowned artist Janetka Platun. Her session titled “What is Lost and What is Found?” offers participants of all ages and abilities the chance to develop model-making skills. Each attendee will create a small model housed in an acrylic box, using diverse and intriguing materials.

Local community groups have been invited to reserve a slot for this free workshop, which is available on the afternoons of 24th, 25th, and the morning and afternoon of 27th April. The project aims to provide a platform for residents to reflect on their personal connections to the square and envision its future.

Further details on the ongoing and future activities can be found on the project’s official website at www.sharingthesquare.org, and updates are regularly posted on their Instagram account @sharingthesquare.

The event has already attracted attention with various stakeholders, including Randell Izaiah Thomas-Turner, Danielle Thomas-Turner, and Guy Norman from Spacetocreate, contributing to the discussions and activities.

Photos from today’s activities can be viewed at The Edge Youth Centre’s social media, highlighting the community’s enthusiastic participation in shaping the future of Haverfordwest Castle Square.

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