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From 05/10/20 to 12/10/20

Telephone service will be suspended for essential maintenance.

During this period we will operate an extended drop in sessions at our Holbrooks Office

The opening hours for these sessions will be:-

Wednesday 7th October 2020 – 11.00am to 1.30pm

Thursday 8th October 2020 – 11.00am to 1.30pm

Email service is available for all enquiries.

Thank you for your patience

 

VIRUS UPDATE

Covid-19 Image

 

DUE TO THE OUTBREAK OF THE CORONAVIRUS THE CREDIT UNION HAS TAKEN THE DECISION TO LIMIT ALL FACE TO FACE CONTACT WITH THE GENERAL PUBLIC.

WE UNDERSTAND PEOPLE WANT TO SEE US FACE TO FACE AND WITH THIS IN MIND WE HAVE DECIDED TO OFFER A LIMITED SERVICE WEEK BEGINNING MONDAY 03RD AUGUST 2020.

 

THE VENUES WILL BE AS FOLLOWS:-

 

THE HAGARD COMMUNITY CENTRE - WILLENHALL

MONDAY COLLECTION

10.00AM TO 11.30AM MONTHLY (The 1st MONDAY OF EACH MONTH)

 

HOLBROOKS COMMUNITY CARE ASSOCIATION – HOLBROOKS

WEDNESDAY COLLECTION

11.00AM to 1.30PM WEEKLY (APPOINTMENT ONLY)

 

FOR THE TIME BEING THE STOKE ALDERMOOR AND BELL GREEN OUTREACHES WILL REMAIN CLOSED. PLEASE SEE OUR WEBSITE FOR UPDATES.

WE LOOK FORWARD TO SEEING YOU ALL AGAIN

 

REMEMBER

 

OUR STAFF WILL STILL BE WORKING REMOTELY FROM HOME SO APART FROM THE TIMES OUTLINED ABOVE THEY WILL NOT BE AVAILABLE FOR FACE TO FACE CONTACT

 

TELEPHONE ACCESS AND EMAIL ACCESS WILL STILL BE AVAILABLE AND PAYMENTS OR DEPOSITS CAN BE MADE DIRECT INTO OUR BANK.

 

WE ARE ABLE TO OFFER OUR MEMBERS A FULL SERVICE FOR WITHDRAWALS, LOANS, DEPOSITS AND INFORMATION WITH YOUR SAFETY AND CONVENIENCE IN MIND WE HAVE A NEW WEBSITE WHERE BALANCES, TRANSFERS, SHAREWITHDRAWALS AND LOAN APPLICATIONS CAN ALL BE PROCESSED IN THE COMFORT OF YOUR OWN HOME.

 

PLEASE TELEPHONE FOR DETAILS ON HOW TO REGISTER.

 

TELEPHONE 02476 998099

EMAIL coveastcu@googlemail.com

WEBSITE creditunioncoventry.com

 

BANK DETAILS FOR PAYMENTS AND DEPOSITS ARE AVAILBLE UPON REQUEST.  PLEASE CONTACT US FOR MORE INFORMATION.

 

REMEMBER WE VALUE YOUR MEMBERSHIP AND WILL DO EVERYTHING WE CAN TO KEEP YOU SAFE AND SUPPORT YOU DURING THIS CRISIS.

 

STAY HEALTHY AND KEEP SAFE.

 

 

 

The idea is to have more money coming in then going out. Although this is a daily struggle, there’s small changes you can make to look after the pennies, so that the pounds look after themselves. 

Why do you need to budget?

You should always watch your money, even when you feel you’re earning enough to splurge however there may be an initial reason why you need to budget; you may have a big event coming up such as a wedding or a holiday, alternatively, you may have just lost your job and finding it hard to provide for your children. Whatever the reason, good or bad, remember, everything is temporary.  You can enjoy yourself without spending a huge amount, you just need to be careful.

Step One: Make a list

Sit down and understand exactly where your money is going. Start by writing out what necessities you have. Some of these will be: housing, phone fees, food, and transportation.  When you have written down your monthly outgoings, you can work out how much you have left over and ultimately save.

Step Two: Set goals

Do you want to save your money or just cut the cost? Whatever you need to do, set some goals to get to. These goals have to be realistic, don’t set a goal of saving more money then you make, when you could simply put away £5 every week. This can give you structure to your spending and allow you something to work towards.

Step Three: Use Visuals

With your goals set, you may feel overwhelmed by using cards. At this point you should take out a weekly amount for spending and stick to it.  Using mason jars to see how much you are saving and spending can show you how far away you are from your goals set.

Step Four: Cut Costs

Although there are plenty of luxuries you may use such as getting that new top you decided you deserved or even treating yourself to a cheeky night out on the town, do you REALLY need that gym membership you have used once in the last 2 years? Close that account and walk to work instead. Saves you a membership and petrol. 

UK Households can save hundreds by switching utility providers for example, Moneysavingexpert.com suggests ‘our research suggests the price cutting trend has reversed, and the cheapest deals are disappearing - likely due to Brexit and the weak pound. Back in May, someone with typical usage could lock their energy for just £724, and there were five firms offering tariffs under £750 a year. Now, the cheapest fixed deal is £770 for a year’s usage.