We are having a problem with phone lines this morning and we hope them to be back to normal as soon as possible. Requests for info, etc. can be emailed to firstname.lastname@example.org. Sorry for the inconvenience.
Do you need some extra cash in time for Christmas? Apply as soon as possible for a Christmas loan with us to ensure an early decision. Get a loan with bad credit or low income – instead of going to a payday or door step lender come to us for a low cost, ethical loan. Borrow £500 over 52 weeks for £11.50 per week.* Apply online or come and see us in branch!
*Loans subject to status. Over 18s only for loans. 42.6% Representative APR. £500 – 52 weeks – £11.50 p/w – £97.02 total interest. Nottingham Credit Union Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – Registration no 213439
It’s easy to let Christmas spending get out of hand. Don’t get carried away; instead read our tips on how to spend less at Christmas and still enjoy yourself without feeling like you’re scrimping.
- Check prices online before you hit the stores. Do some comparison shopping so you know where to go for the best deal. Certain things may also be cheaper online, so if there’s free shipping available you won’t even need to venture into town.
- Look for discount codes and vouchers online. Try a quick Google search or check the Facebook and Twitter pages of the stores you’re planning on shopping at as they may have posted deals there.
- Have a plan – know how much you’re going to spend and who is getting what. If you set a budget for all of your presents and have a list, you’ll be less likely to overspend.
- Take advantage of Black Friday and Cyber Monday offers. This is no longer an exclusively American event. UK retailers have embraced Black Friday, so there are plenty of savings to be had. If you’re brave enough to endure the crowds, you could score some great deals on things like clothing and electronics. But fear not, you don’t have to leave the comfort of your own home to take advantage. Here’s a list of the major Black Friday sales this year.
- Use a rewards card such as our Engage card to earn cashback on your Christmas purchases from major retailers such as Argos, M&S, Debenhams and ASDA. Click here to learn more: http://www.nottinghamcu.co.uk/banking/
- Have you signed up for rewards cards such as the Tesco Clubcard and Boots card like we recommended in our blog post about saving money? Now is the time to spend all of the points you’ve accumulated. You might be surprised to find out how many points you’ve earned!
- Avoid signing up for store credit cards as they usually have very high interest rates. They will try to lure you in with free gifts and discounts, but resist the temptation! The risks are not worth the reward.
- Instead of buying presents for each and every one of your friends and coworkers, set up a Secret Santa. You’ll save a lot of money only having to buy one present, and the element of mystery makes it a lot more fun.
- Even if you’re not the best at crafts, you can still make Christmas gifts and decorations to save money. Instead of buying an expensive hamper, put one together yourself. Get the kids involved and make baubles and stockings. Check Pinterest for inspiration. After all, Christmas should be about spending time with each other, not having the most expensive gifts and decorations.
- January is the time to stock up on stuff for next year. Get things like wrapping paper and decorations on clearance and even find presents to save for next year or upcoming birthdays. You’ll thank yourself next Christmas for being prepared.
Need some extra cash this season? Apply for a Christmas loan with us. Borrow £500 over 52 weeks for £11.50 per week*. Click here for more details: http://www.nottinghamcu.co.uk/loans/
With the holidays approaching and Christmas shopping underway, you might be feeling strapped for cash. Luckily, there are easy ways to make extra money quickly. These are by no means “get rich quick” schemes, but they are something you can do alongside your regular job.
If you would enjoy sharing your opinions about a product with a group of strangers, then focus groups are perfect for you. They are usually in person, although some are now online, and last anywhere from half an hour to a few hours. They generally pay pretty well and you can even make up to £200 depending on the length and what’s involved. Don’t count on this as a regular source of income though as researchers are always looking for a specific subset of people for a focus group and often you will not qualify.
Here are some market research companies:
Taste tests are pretty similar to focus groups, but are often a lot shorter in length. They may be only 10 or 20 minutes, so they also pay less than focus groups. But if you’re short on time, these can be great to do while you’re out and about. They’re also easier to qualify for than focus groups, so you can do more of them. However, be aware that you may have to try some not-so-great tasting food! Some of the above focus group companies will advertise for taste tests as well.
Participate in research studies
University researchers are always looking for participants for psychological studies. With two major universities in Nottingham, you are sure to be able to find some studies to participate in. They won’t pay a ton of money, probably about £8-£10 per hour, but are very easy to complete. Medical schools also look for people to act as “patients” for their exams. All you have to do is pretend to be a patient with whichever medical condition they assign you. Look for these roles near to exam time.
Another job you can take on during exams is exam invigilator. This involves setting up the room before students arrive, getting them all situated, announcing the rules of the exam, and making sure no one cheats. For the most part, you will be sitting for a few hours doing nothing. It can be very boring but it pays fairly well for hardly any work. Expect to make around £9/hour. Find work here: https://www.unitemps.com/
Sell your story
Got a funny or embarrassing story? Magazines such as Love it! and Woman’s Own will pay you for your stories, tips or photos. You can get anywhere from £20 to £100, but make sure you’re comfortable with the world reading your story before you submit!
Christmas temp jobs
Many retailers and restaurants take on extra staff during the holidays, so there are many temp jobs available for a few weeks or months. This is a great option for students who would otherwise be sitting around at home over Christmas holidays. Whether you’re looking for full-time or part-time, there are many options available. They often start recruiting very early for these roles, so start looking around September or October. It’s a bit late in the year now, but it is still worth looking! Expect to make minimum wage.
Sell your old stuff
If you’re in a bind and need cash quickly, or just want to clear out some clutter, you might be considering selling some of your stuff. Your best options will most likely be eBay and Facebook groups. For larger items like furniture or boxes full of children’s clothing and toys, look on Facebook for local selling groups. For adult’s clothes and smaller and more valuable items, try eBay. Don’t expect to make a huge profit unless you’ve got antiques or something truly valuable. But for a small amount of effort, it’s worth getting some cash back for your stuff rather than just throwing it out.
Here are some Nottingham selling groups to get you started:
Work as an extra
Have you ever wanted to be on TV or in a movie? It’s easy to get a background role and you don’t even need acting experience. These roles are more widely available in places like London and Manchester, where more things are filmed, but occasionally there are opportunities in the midlands. Expect to work long hours, possibly very early in the morning or late at night, and receive minimum wage. It’s not the best pay but it is very exciting to see yourself on screen! Find extra work here: http://www.starnow.co.uk/
Just a reminder, we will be closed on Thursday the 12th – both branch and phone – from 1 pm for staff training. We will reopen on the 13th as normal.
We are pleased to announce the grand opening of our Mansfield branch! Mayor Kate Allsop will be opening the shop on 5th November and we will be open from 10 am to 2 pm. The shop is located 3 Clumber Street. Our regular hours will be Tuesday, Thursday and Friday from 10 am to 2 pm. We look forward to seeing you there!