Wirral Credit Union

Staff of Wirral Council - how are your Christmas savings looking? 🎄 With the average North West family forecast to spend almost £800 per head this December, the festive season can be almost as stressful as it is fun. We'll never encourage irresponsible borrowing, but we get it. Winter budgeting isn’t easy! Our payroll partnership gives all local council employees access to our range of high-value savings accounts and low-interest loans, with the added benefit of saving and repaying straight from your salary. 💵 Learn more and get your application in here: https://lnkd.in/etJTEQj2

"Credit unions use old, outdated systems" 💬 ... Not at all! Just like that of a standard bank, our app allows members to make transactions, view statements, and request withdrawals straight from their phones. Available on the App Store and Google Play, it also offers face recognition to ensure security and requires a secure passcode. Small and personable - yes, but outdated? No!

Who wants to wait days for an email response, be given generic advice, or struggle to get a real person on the line? Here at WCU, we'll always put our members first. Whether it's a loan application or financial help, our team offers reliable, expert support to those who need it most. 💬

👉 Do you work for Hydrokem Aerosols Ltd? Then you're in luck! We're helping reduce money worries amongst Hydrokem employees through our payroll scheme. You can save, borrow and repay straight from your salary, making financial management far more simple. 🎯 https://lnkd.in/ehE7_yZf

We've talked about the importance of keeping a healthy credit score - but how regularly do you check yours? 📈 Reports are now easier to monitor than ever. Credit agencies used to make us sign up for 30-day free trials, meaning you'd need to cancel before the time was up to avoid charges. Luckily, this is no longer the case! There are three reports to check at least once a year. We've found a simple guide to accessing each for free, taking the confusion out of credit! Click the link for more details.👇 https://lnkd.in/eskhRKdn

Happy World Kindness Day! 💚✨ Each year, November 13th is dedicated to acts of kindness. 🌼 So, do something kind today. Wirral is full of fantastic organisations making a difference, but they need our support! Got a few hours a week to spare? Neo Community is always looking for volunteers. Get involved here: https://lnkd.in/emqDeYJZ

The average North West family spends more than £700 per head over the Christmas period. At WCU, we support our members with sensible savings all year long, but December comes at a cost no matter what! Our Family Saver Loans are tailored to help Wirral parents. They come with simple Child Benefit repayments and a holistic approval method; no child should miss out on the festivities.🎄 https://lnkd.in/etJTEQj2

It's the final day of #TalkMoneyWeek, so hope everyone's done at least one thing to improve their financial well-being this week!👇 Have you reflected on your own attitude to money? Had a conversation with a friend or family member about savings goals? Faced a problem that's been weighing you down? Set your child a savings challenge? 💬 #DoOneThing's been the perfect opportunity to normalise money talk and truly think about how we handle our finances - all thanks to MoneyHelper: https://lnkd.in/ey9jiJP6

Our parents hugely influence how we deal with finances in later life, so it's never too early to start to #TalkMoney. But anyone with children will know how hard it is to make a four-year-old listen - so make it fun! Try a challenge or a game: 🎖️ Swap star charts for pennies or set household chores to show that money has to be earnt. 🪙 Set penny hunts - just like Easter egg hunts, but healthier! 🛍️ Role-play - your child can be the "shopkeeper" and decide how much to "sell" your items for. 🛒 Talk to them in the supermarket or shops - what can £1 buy? £5? £10? 🐖 Make pocket money educational. Instead of a piggy bank, encourage them to split it into jars; one to spend on sweets or small treats, one to save for bigger items, and one to give - perhaps to a charity the child cares about, or to buy presents for friends. #DoOneThing https://lnkd.in/gEAgnRbK

Today, we're encouraging everyone to #DoOneThing for their financial health today by facing money worries head-on, because everyone's got them. Our Useful Links page contains tools and resources to tackle any situation. Whether it's employment advice Citizens Advice, pensions guidance from MoneyHelper, or a claim to settle with the Financial Ombudsman, there's always somewhere to turn.👇 https://lnkd.in/ekRGDpZE