Back-to-school, college and challenges faced by families

IT’S BACK-to-school (or college) time for many. So whether you’re a parent, or a college student this can be a very costly and stressful time.

The extra costs associated with returning to education can feel particularly worrisome following the additional expenses of the summer months. Having to pay for communions, holidays and summer camps can put even more strain on our finances than usual. As a result, we can often be short-sighted in our finance options, resulting in long-term debt.

A recent survey conducted by the Irish League of Credit Unions (ILCU) showed that 29% of parents said that they will get into debt funding back-to-school costs.

Worryingly, the survey also states that 16% of parents are using credit cards to fund back-toschool costs, and 4% (up 1% on last year) said that they would consider turning to a moneylender to finance these costs. mining the outcome of all loan applications. And, so you aren’t left waiting, once we have all the documentation required, we offer all applicants a loan decision within 24 hours.

• Brand new Credit Union members and existing members are eligible to apply for loans

You do not need to be saving for a certain amount of time before you can apply.

• The amount you apply for is not related to the amount of your savings.

• Your local Credit Union offers safe lending with a payment schedule to suit you.

Your interest will be calculated on a reducing balance.

You can apply for a loan at any time during opening hours or request a phone call online. Bernadine Gallagher, Director Irish College of Hairdressing, Galway confirmed – “We are constantly receiving calls about placing our Graduates within Ireland and from all over the World”. One reason Irish Graduate are so well respected is that they achieve an internationally recognised and highly regarding Qualification the City and Guilds Diploma. Maggie McDonall, who graduated with ICH, and who worked in Australia commented “I got a job anywhere I applied to, all I had to do was submit my City and Guilds Diploma and I started the next week, it really helped me in my travels.” The old hairdressing adage – “have scissors will travel” is certainly true today – with employment and career opportunities abundantly plentiful throughout Ireland and the UK, and of course further field. Over the past number of years, the Hairdressing professional has suffered from lower levels of entrants, driven to some extend by a concern over employment and career development, but no longer. For anyone who is seeking a flexible, mobile, creative and rewarding career – top of list for consideration should be Hairdressing. As with any career, it is important to achieve the correct qualification, it must be internationally recognised and reflective of the high standards of training delivered to achieve the standard.

So – to all the would be Hairdressers, start your Career Training now.

For more information phone 091 761445 or visit irishcollegeofhairdressing.com