En­nis­cor­thy Credit Union tips for a stress-free Christ­mas

Gorey Guardian - - NEWS -

EN­NIS­COR­THY Credit Union is en­cour­ag­ing peo­ple in the Wex­ford area to avoid the pres­sure to splurge this year and to spend cau­tiously.

If they do need to bor­row, En­nis­cor­thy Credit Union is urg­ing them to bor­row within their means and to shun high-cost money­len­ders.

En­nis­cor­thy Credit Union is also ad­vis­ing peo­ple that they should avoid the temp­ta­tion to be­come con­sumed with the De­cem­ber rush, and has put to­gether its five top tips for sen­si­ble spend­ing this Christ­mas:

1. At Christ­mas the key to spend­ing within your means and avoid­ing un­nec­es­sary stress is to draw up a spend­ing budget specif­i­cally for the fes­tive sea­son. Once you have de­cided on a budget for the house­hold, and set a limit to your sea­sonal spend­ing, stick to these lim­its and you will be well on the road to spend­ing within your means.

2. Once you have your Christ­mas budget pre­pared, let this guide you’re spend­ing. Make a list of what you need to buy ev­ery time you plan on hit­ting the shops, and don’t al­low your­self to buy any­thing that’s not on this list. This way, you are giv­ing your­self the best chance to avoid over-spend­ing.

3. Do your re­search be­fore you make a pur­chase; are the goods you want to buy avail­able at a bet­ter price some­where else? If so, then don’t be afraid to ask for a price match – or at the very least ask for a small dis­count. At worst you will be turned down – or you could get your goods for the best price on the mar­ket!

4. Don’t for­get to check out your lo­cal shops and stores where there is al­ways a great range of good value and good qual­ity gifts.

5. Con­sider plan­ning a Se­cret Santa or Kris Kindle with your fam­ily and friends. Not only can this be great fun, but it’s also a fan­tas­tic way to save with­out los­ing the magic of Christ­mas.

En­nis­cor­thy Credit Union have Penny Bank Christ­mas Savings, which is a great way to plan ahead and save for Christ­mas 2019.

These savings are locked in from Jan­uary un­til mid-Novem­ber and help mem­bers put a lit­tle aside dur­ing the year to help cover the cost of Christ­mas. If you would like to start one and plan ahead for next year, call in and chat to us about open­ing one.

McComiskey Coach and Tours for all oc­ca­sions. Chris O’Kane and Thérèse Fur­long of Fron­tier Vet­eri­nary Ser­vices, farm, equine and com­pan­ion an­i­mal vet­eri­nary ser­vices in the south east. Dutch suite at Be­fore & Af­ter, Old Dublin Road, En­nis­cor­thy.

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