Half Term on a Budget

Psst, the May half term is almost upon us, but don’t fear you still have 4 days to get the most of the precious time you get with your children, whilst sticking to a budget. With thoughts now turning to how you could make this next week memorable, Derbyshire Community Bank has put together a list of events and activities to keep them busy, until you can finally cart them back to school on the...

Continue Reading ...

Not-for-profit credit unions offer a better customer experience than mainstream banks

Not-for-profit credit unions offer a better customer experience than mainstream banks A new report by the Financial Inclusion Centre looking at the attitudes and behaviours of existing credit union members found significant approval for the services offered by these local financial cooperatives. The largest ever survey of credit union members that spoke to over 12,500 users in 29 different cre...

Continue Reading ...

Loan for funeral costs

Loan for funeral costs Funeral costs vary significantly from one provider to another but the average is around £4,000 which for many would come as an unexpected shock on top of the loss of a loved one, especially if the estate is unable to cover the cost. Some people are organised for such an event by paying into a funeral plan so that their family do not have the unnecessary worry of sudd...

Continue Reading ...

Emergency fund

Emergency Fund So the big question is do you have a fund in case of emergencies? When the washer breaks; the cooker goes kaput; the car splutters and breaks down or worse case scenario your made unemployed or suffer illness and lose pay or benefits; do you have an emergency fund that you can fall back on? No? Whilst having an emergency fund makes sense, it's not always that easy to find spar...

Continue Reading ...

Surviving University on a budget!

Understanding how to budget whilst at University As September rolls around, so does either starting University or heading back for another year away from home. Making your Student Finance last until the end of the term can be hard, so here are some of our best tips to help you survive University on a budget. Income: It's important to not solely rely on your Student Finance to get you through yo...

Continue Reading ...

Summer saving tips!

How to be a smart summer saver! Summer can be stressful, with the extra costs of keeping kids entertained, going away on holiday and even increased food bills from everyone being at home! But do not panic, here are 5 of our summer money saving tips, to help make your summer enjoyable and cheaper! TIP 1) If you're going away on holiday and planning on renting a car abroad, reserve one f...

Continue Reading ...

Christmas savings and loans

Christmas savings and loans Feeling more like Scrooge than Santa this Christmas? Want a frugal yet fabulous festive season? Everyone feels the pinch at Christmas; buying cards, presents, replacement decorations, mountains of food to feed an army!  Perhaps a new outfit for that Xmas party. It's families that feel the most pressure with kids wanting the latest gadget or fad toy. Howeve...

Continue Reading ...