The Lough CU Christmas Tips

5 Festive Tips for a carefree Christmas.

 

1. Make a list & check it twice.
Don’t be that person who saunters into town or Mahon Point on Christmas Eve with a dozen presents to get. Firstly, you’ll end up buying rubbish presents, and secondly, you’ll end up spending a small fortune. Spend some time making a list of who you want to buy for. Be realistic with your budget and identify a few possible options for each person. Then all you have to do is make sure you stick to your list and budget. Shop around by comparing prices online and in shops around Cork and don’t be afraid to haggle with local shops.

 

2. Avoid all types of hangover.
Christmas is a time of year where we all overdo it a little bit so try to take it handy on the food, drink and spending and you’ll be grateful in January. In particular we’d recommend a sensible approach to spending over the festive period – nobody benefits from a dirty debt hangover in the New Year. Prioritise spending quality time with family and friends rather than spending lots of money on things, be it food, drink or gifts. If you do need to borrow make sure it’s only for a small amount and get a saving plan in place for next year! Keep away from the credit cards and moneylenders and be sensible with your money – if you have to borrow do so at a reasonable interest rate with repayments that suit.

 

3. Start a Secret Santy.
Setting expectations can be useful at Christmastime. Obviously there’s a different set of rules for the kids but managing expectations as to what Santa can or can’t deliver on is most helpful, especially when the Christmas list is 53 pages long. For adults – be it family, colleagues or groups of friends – “Secret Santy” is a great idea to help save on costs and avoid buying a dozen different presents – plus you’ll end up getting one good present rather than loads of Lynx Shower Kits/Candles/Socks etc.

 

4. Save yourself for the sales.
It’s madness to splash out on lots of clothes in the run up to Christmas when prices will tumble on Stephen’s day and all throughout January. Think of how sick you’ll be when you see that jacket you bought at half price a few weeks later! You can also pick up lots of winter clothes for next year at knock-down prices in the sales as well as all the Christmas decorations and wrapping paper you could ever dream about, helping you to cover the cost of Christmas 2016 already!

 

5. Start saving for next year.
As we mentioned already if you can avoid taking on debt to pay for Christmas then you should. Lots of members of The Lough Credit Union save a small amount every week over the course of the year to help cushion the December blow, so once January comes think about how much you’d be willing to save every week to make next year more manageable – €20 per week would leave you with around €1000 for next year!

 

Most importantly, be safe, merry and enjoy the most wonderful time of the year!

Christmas Opening Hours

 

EURO 2016 (3)

Put ’em under pressure.

When Jonny Walters’ 2nd goal hit the back of the net on 70 minutes last night the Aviva was rocking and a whole nation erupted with joy. For just the third time ever the Boys in Green are on route to the Euros and there will undoubtedly be an army of green behind them as they go on a mission to set the record straight after what was a depressingly disappointing outing in Poland nearly three and a half years ago.

 

We’ve put together a quick checklist of some things you might need to get sorted before you try to navigate the continent:

  • Return flights/Campervan/A loan of a boat
  • Match tickets
  • Jumpleads for the van
  • Joxer & the lads
  • Somewhere to stay
  • An adequate supply of jocks and socks, and maybe a sleeping bag
  • An Ireland jersey (Preferably of the West Germany ‘88 Vintage, although a 2002 World Cup edition will suffice)
  • A Nokia 3310 out of retirement (can’t be dealing with that iPhone charge!)
  • Gary Breen out of retirement
  • A very understanding boss
  • Your Leaving Cert French Oral notes (of particular use will be the vocabulary in the notes titled “Le Sport” and “Mes Vacances”)
  • A dusty bodhrán, tin whistle or other miscellaneous trad instrument, so you can play the Kerry Polka and that other song you don’t know the name of sixteen thousand times
  • A few bob spending money
  • The emergency “if Ireland get to the final” fund
  • A back up green t-shirt with the obligatory Father Ted reference
  • An endless supply of hope and dreams

 

In 2012 we paid out a large number of loans to members travelling to the Euros and we expect that this time will be no different. So why not take the pressure off and talk to us about a holiday loan to help get you to France and back again for what could be a once in a lifetime tournament. We can be of particular assistance in sorting finance for the items listed in bold – we’re sure you can sort the rest.

 

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