Business
Early pay a hindrance at Christmas, survey reveals
EMPLOYERS may have the best of intentions paying December wages early; however, eight out of 10 of Brits (81%) find this gesture of goodwill to be a hindrance not a help when it comes to their festive finances, and more than half (53%) of those paid earlier than usual in December struggle to meet their bills by mid-January. This is according to independent research announced this month by global information services company, Experian. More than a third (35%) of those surveyed over-spend at Christmas by an average of £207. And the research suggests that some of this over-spending may be a result of hidden costs prompting funds to be stretched to the limit. A quarter of people spend more than planned on food and drink (24%), heating and fuel (15%), Christmas cards and gift wrap (9%) and other hidden extras, such as batteries and chargers (12%), over the holidays. However, when it comes to looking at who the nation’s biggest festive overspenders are, 18 – 24-year-olds are top of the table.
This group over-spends by £589 at Christmas, compared to an average of £207 – suggesting the younger generation may be favouring generosity above prudence when it comes to their Christmas spending. When January comes around, half (49%) dip into their savings to cover the shortfall, and more than a third (36%) choose to use credit. However, among 18 – 24-year-olds, the trend is reversed, with a third (35%) dipping into savings and 45% using credit to bridge the gap and get them through until payday.
In a period when many of these young people are starting to build their credit profiles, it’s important that these younger spenders understand how financial decisions they make now might affect them in the future. Julie Doleman, Managing Director, Experian Consumer, commented: “Our findings today demonstrate the importance of budgeting; not just to cover the Christmas period, but right up until the end of January and beyond.
It’s easy to over-spend at Christmas, so it’s important to understand how your financial decisions can affect you in the long-run, especially if you plan on using credit to cover a shortfall in January. “Starting off on the right foot will help you get the most out of your New Year right from the beginning, allowing you to make progress towards achieving your goal – whether that’s saving for a big purchase or life event, or simply getting your finances under control.” Here are five simple tips from Experian to help people manage their spending over the Christmas period and get 2015 off to a bright start: 1. Brilliant Budgeting: Even if you’re doing it last minute, sit down and take stock of your finances in advance.
Make a realistic budget that covers everything from Christmas presents to January utility bills to bring you comfortably into the New Year until your next paycheque hits your bank account. 2. Understanding Overspending: The final weeks in the lead-up to Christmas are when you are most likely to lose sight of your budget. Be conscious of purchases such as food and fuel and hidden extras, which can build up quickly, leaving you with an unpleasant start to the New Year dealing with unexpected costs hidden in your festive spending. 3.
Use Credit Wisely: If you do use credit to spread the cost of Christmas, consider your options – for example, if you’re unlikely to be able to repay more than the minimum repayments in the New Year, it makes sense to use a 0% credit card rather than a store card or other credit card with a higher limit. 4. Know your limits: Try to use less than 25% of your credit limit on all of your cards – both individually and collectively. Keeping to within 25% of your limit will show lenders that you are not overly-reliant on credit and can manage your finances.
Business
Tenby sailing club works approved by national park
A CALL for works to Tenby’s listed building sailing club to improve energy efficiency for the community organisation has been given the go-ahead.
In an application to Pembrokeshire Coast National Park, Harrison Richards of Tenby Sailing Club sought permission for replacing 24 timber windows at the Grade-II-listed Tenby Sailing Club, Penniless Cove Hill, with new Accoya timber double-glazed units.
The application added: “An energy survey conducted by Dragon Energy Consultants highlighted the existing single glazing and rotten window frames as a significant contributor to the club’s energy consumption.
“Tenby Sailing Club is a community organisation which seeks to organise activities year-round but faces significant energy costs being housed in a historic building. The current windows are beyond repair, with cracked glazing, decay, water ingress, and poor energy efficiency.
“The two windows at balcony level are not included, as they were previously replaced and remain in good condition. All new units will replicate the existing profiles, dimensions, glazing patterns, and overall appearance, ensuring no visual change to the building’s character.
“The neighbouring three-storey harbour stores occupied by Tenby Sea Cadets have previously replaced the building’s windows with double glazing. This like-for-like replacement in appearance will improve durability, weather resistance, and thermal performance while preserving the special architectural and historic interest of the listed building.”
An officer report recommending approval said: “The Sailing Club was built as a warehouse c. 1825, abutting the C17 sluice. Originally wine stores, it was later used by the local fishermen for stores and is now the home to Tenby Sailing Club, established in 1936.”
It said no adverse comments to the proposals had been received.
It added: “The proposal is to replace the majority (24 total) of windows in painted timber, double-glazed with face-mounted glazing bars of traditional scale and profile. Whilst a modern practice of glazing, the proposal involves no loss of historic fabric, provides an obvious visual improvement and addresses concerns as to heating costs.”
It finished: “The scheme is considered to be in keeping with the character of the listed building, and its setting in terms of design and form. As such, the application can be supported subject to conditions.”
The application was conditionally approved by planners.
Business
Taxi fare shock in Milford Haven as drivers switch to meters
TAXI passengers in Milford Haven are facing a sudden jump in fares, as drivers increasingly switch on their meters and charge full council-approved rates.
One Herald reader said a short return trip from Milford Haven to Neyland cost £30 — around double what he expected to pay.
But drivers insist the prices are not new — they are simply the official tariff now being applied.
Under Pembrokeshire County Council rules, the standard daytime fare starts at £4 for the first mile (£5 after 6pm), rising by around £3 per mile thereafter. Waiting time is also charged, meaning even short return journeys can quickly add up.
Higher rates apply in the evenings, at weekends and on bank holidays.
End of the £3 taxi
Milford Haven has long been known for cheap taxis, with short in-town journeys often costing as little as £3 — far below official rates.
That was down to competition, older vehicles, and the need to keep prices low in a town where many rely on affordable transport.
Drivers say those days are now over.
One local driver told The Herald: “People got used to cheap fares, but that was never the real price. Now we have to use the meter or we’re losing money.”
Fuel costs biting
Most taxis run on diesel, now around 170p per litre locally. For drivers covering long distances each day, the increase has hit hard.
Global tensions in the Middle East have pushed up oil prices, feeding directly into higher fuel costs in the UK.
With fare increases requiring a lengthy council process, many drivers say they have no option but to charge the full tariff.
Vulnerable hit hardest
The change is being felt most by those who rely on taxis the most.
Elderly residents, people on low incomes and those without access to a car are now facing higher everyday travel costs.
There has been no recent increase in Pembrokeshire’s official taxi fares, which have remained broadly unchanged since 2022.
The difference is simple: drivers are now charging them.
As one put it: “We’re not putting prices up — we’re just finally charging what we’re supposed to be charging.”

Business
Cardiff Airport expects Easter passenger surge as demand rises
CARDIFF AIRPORT is preparing for a busy Easter getaway, with more than 46,000 passengers expected to travel through the airport over the holiday period.
The figure represents an 18% increase compared to the same period last year, reflecting growing demand for both sunshine destinations and European city breaks.
The busiest routes this Easter are set to be Alicante, Dublin and Málaga, with flights operated by airlines including Ryanair, Vueling and TUI Airways.
Travellers heading for warmer weather can also take advantage of direct flights to the Canary Islands, including Tenerife, Lanzarote, Gran Canaria and Fuerteventura, alongside popular destinations such as Faro and Palma.
The airport says the increase builds on a strong start to 2026, with passenger numbers continuing to rise.
Chief executive Jon Bridge said the airport is approaching the one million passenger mark and expects the summer season to be its busiest since the pandemic.
He said: “It’s been an incredibly positive start to the year, and we’re looking forward to welcoming more passengers over the Easter period.
“Our teams are working hard to ensure travellers can start their holidays smoothly.”
Passengers travelling over Easter are being advised to allow extra time for their journey and check with airlines for the latest updates.
A total of 46,158 passengers are expected to pass through the airport between March 27 and April 12, with arrivals and departures almost evenly split.
Cardiff Airport said it continues to expand its range of destinations, including the addition of a direct service to Toronto, as it looks to strengthen its role in connecting Wales to international travel.
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