Have you Had Your Mallow Credit Union Christmas ReUnion?
MALLOW Credit Union is inviting each and every one of its members to have their personal ‘Credit Re-Union’ in time for Christmas 2018.
Members can drop in to any of their eight branches for their ‘Credit ReUnion’ in person, or can call up one of the friendly members of staff, and ask about sensible borrowing over the festive period.
Mallow Credit Union is embarking on the pre- Christmas ‘Credit ReUnion’ as part of its ongoing commitment to tailoring services and products to the specific needs of its members.
Commenting on the festive Credit ReUnion, Ciara Fitzgerald in Mallow Credit Union said: “We are looking forward to reconnecting with those we have not seen in a while, and chatting to those members we know well, and offering them any assistance and guidance they might need with budgeting and spending tips for the Christmas period.
“Our aim is to ensure that all of our members have a stress-free and enjoyable Christmas and that financial worries will be the last thing on their mind.”
Mallow Credit Union implores anyone who might need to borrow to cope with the financial burden of Christmas to avoid moneylenders at all costs, and to make their local Credit Union their first point of call.
Should any Mallow CU members, including those whose accounts have not been active for a while, need to borrow a little extra, they should visit www.mallow cu.ie or ask about the loans in-branch, which are very straightforward and have fair interest rates.
There are no penalties for paying a loan back early, nor are there any hidden fees or charges on our loans. Their Christmas loan, for example, is available at an affordable A.P.R. rate of 5.65%* & their promotional Car loan is available at 7.8% A.P.R.**
Mallow 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:
• 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.
• Once you have your Christmas budget prepared, let this guide your 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.
• 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!
• 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.
• 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.