BUDGETING TOOL

Please click on this link for access to a Budgeting planner http://www.creditunion.ie/media/creditunionie/CU%20Money%20Management%20DL8P_RoI%20Final.pdf

 12 ways to get through Christmas

1: Budget, Budget, Budget.

Plan how much you can afford to spend - and stick to it.

2: Make a list.

Decide what you're going to buy in advance. Decide in the store and you'll spend more!

3: Pay with cash where possible.

Avoid loans, credit cards, store cards, catalogues and money lenders - they'll cost you more.

4: If you borrow be sensible.

Borrow where the interest is right.....not on your doorstep!

5: Compare prices.

Before you buy, compare online and between shops. You’ll be amazed at the difference.

6: Use trustworthy vendors.

Buy from reputable websites and check they guarantee delivery before Christmas.

7: Check for Sales.

Many shops will have sales before Christmas. Ask around, and maybe you could get those presents for even less!

8: Interest Free Deals.

Look for interest-free deals when buying furniture or electrical goods - but make sure to compare prices.

9: Christmas Clubs.

Joining a Christmas club or buying a few savings stamps will help you now - it will also get you into the habit for next year.

10: Read the small print.

If you borrow or enter into a buy-now-pay-later deal, be careful. Some lenders will penalise you for paying it back early or, if you do not pay it within the interest free period, you could be subject to hefty interest payments.

11: Under pressure? Talk to us first.

Suffering from debt stress? Already owe money lenders? Call into your local credit union to discuss your options.

12: Friends and Family are priceless.

It's easy to say but it's still true - the best gift at Christmas is being together - and that costs nothing. Many families do Kris Kringle or Secret Santa gifts. Some families only give gifts to children. There are many ways of saving money without taking away the magic
 

PAYPOINT

Call in and pay your householdbills, top up your mobile phone or purchase ESB tokens, we are delighted to have launched this new service for our members.

FOREIGN EXCHANGE

We are now offering commission free Foreign Exchange services through FEXCO, please come in and order before 12pm so that we can have your currency ready for you next day.

MABS  Money Advice & Budgeting Service

In 1988 the Department of Social Welfare commissioned a report by the Combat Poverty Agency entitled "Money lending and Low Income Families". One of the recommendations of this report was the establishment of a Money Advice Service to assist over-indebted families.

The basic aim of the service is to help people encountering debt problems to manage their money and gain access to affordable credit which is available in their local Credit Union.

What is MABS?
Money Advice & Budgeting Service is a free and confidential service. The aim is to get individuals out of debt and back in control of their own finances. They offer assurance and support, a speedy response, information and advice. They can also negotiate with creditors. Everything is done with the agreement of the individual involved.

Remember...this service is totally confidential!!!

Contact your local office at Abbey Street, Roscommon

Tel: 090 6627811, Fax: 090 6627565                                      Email: roscommon@mabs.ie           www.mabs.ie

Insurance

Roscommon Credit Union - Looking after your insurance needs...in conjunction with le chéile General Insurances, in partnership with AXA Insurance Ltd
 

10% discount on

• Home Insurance
• Motor Insurance
• Travel Insurance

Call 1890 336 339 or visit your nearest AXA Branch and request your Credit Union discounts. Phone lines open from 8 am - 6 pm Mon-Fri. Terms & Conditions Apply

For more details, click on the leaflet below