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Credit Union Members Save Up to 65% on Travel This Year

Fri, 24 Apr 2026 15:10:39 GMT

Planning a trip this year? Credit unions are often a go-to for saving or borrowing for a holiday. But with Harlowsave, there’s an extra benefit.

Members can also access a range of travel discounts through our partnership with Vivup, helping you cut the cost of your trip. From hotel and airport parking, to activities and full holiday packages, here are the best deals to make the most of these member benefits, including:

65% off Hotels worldwide
32% off airport parking
20% off travel insurance
10% off popular attractions across Europe
Up-to £300 off future trips

Hotels & Accommodation: Save up to 65% worldwide with Hotel Planner

If accommodation is your biggest cost, this is where you can make the biggest saving.

With Hotel Planner , Plane Saver members can get up to 65% off hotel stays around the world. That includes everything from international trips to British staycations.

Airport Parking: Up to 32% off

Airport parking can be an unexpected expense, especially during peak travel times.

With Airport Park With Us , members can get up to 32% off parking at major UK airports when they pre-book. This includes:

Heathrow
Stansted
Manchester
Bristol
And more

It’s a simple way to reduce travel costs before you even leave the country.

Travel Insurance: 20% off

Travel insurance is one of those essentials that is easy to overlook until you need it.

Through Good To Go Insurance , members can access a 20% discount using a code. It's a straightforward way to make sure you are covered without paying more than you need to.

Package Holidays: £300 off future trips

Not planning a trip this summer? It might be worth thinking ahead.

Plane Saver members can get £300 off First Choice holiday packages for:

Autumn half-term
Summer 2027

With destinations including Croatia, the Caribbean, Italy, Greece, and Turkey, it is a good option if you want to spread the cost and lock in a saving early.

Make the Most of Your Member Benefits

Travel can be expensive, but using your member discounts is a simple way to reduce costs without changing your plans.

From accommodation to activities, these offers are designed to help you get more value from your budget.

Log in or register to access your discounts here: memberbenefits.vivup.co.uk

How To Upgrade Your Home On a Budget

Wed, 08 Apr 2026 12:40:02 GMT

How often do we spot something affordable that we think will look great in our living room, buy it, bring it home and it just doesn’t feel right? That’s because the secret to upgrading your home on a budget isn’t just finding a bargain, it’s having a plan.

This guide will take you step by step through creating a small interior design project for your home while keeping it budget friendly.

Step 1: Pick a Room to Focus On

Before you even think about shopping, you have to choose a single space. Living room? Bedroom? Kitchen? Focusing on one room keeps the project manageable and prevents project overwhelm. You’ll get more satisfaction from one strong transformation than from tackling everything bit by bit.

Step 2: Collect Your Inspiration

Next, gather images that capture the look you love. Pinterest, Instagram, or even magazine clippings all work. Put them together in a mobile album, a digital collage, or a physical moodboard. Go wild and don’t overthink it. The goal is to see what truly excites you. Curation comes next.

Step 3: Analyse Your Moodboard

Here’s where many people get stuck. A broad moodboard is fine, but to create a cohesive room you need focus. Analyze your moodboard by asking yourself:

Artwork & Décor: Are you drawn to lots of small pieces, or a few bold statement items?
Colours & Patterns: Are you more into patterns or block colours? Bright or muted tones?
Style: Does your inspiration feel modern, Scandinavian, eclectic, classic, or something else?
Texture & Material: Are you seeing repeated fabrics, metals, or natural elements?
Overall Feel: Are you a minimalist or maximalist at heart?

Once you’ve answered these questions, narrow down your moodboard to 3 to 5 images that best capture your vision. These will guide your shopping trip and keep your purchases purposeful.

Step 4: Audit Your Current Space

Compare your top inspiration images to your room.

What’s missing?
What clashes?
Could a small DIY update improve someth ing?

Make a simple list of needs and wants to bring with you. This ensures every item you buy has impact and purpose.

Step 5: Set Your Budget

Decide how much you’re happy to spend and stick to it.

You can use Harlowsave member discounts like the TK Maxx 7% off e-card to help you keep to your budget and stretch your money. By preloading the card with your budget, you’ll get a little extra buying power.

Example: Spending £100 gives you an extra £7.53. That could cover an extra pillow, throw, or small décor piece without adding to your budget.

Here’s how it works:

Go onto the Vivup X Plane Saver discount platform
Search for “TK Maxx” or navigate to the “Home & Garden” category to find more home bargains!
Enter the amount before the discount
Load the money onto the card
Pay in-store with a barcode

Step 6: Shop With a Plan

Now the fun part. Bring your moodboard and list and start shopping with a purpose. Instead of getting distracted by the many items available, focus on the high-impact, low-cost upgrades from your list that you know will bring you closer to your vision:

Textiles: Pillowcases, bedding, throws, rugs
Storage: Decorative baskets, ottomans
Lighting: Lampshades, table lamps
Décor: Frames, artwork, statement pieces, decorative vases and bowls
Kitchen & Dining: Dishware, tableware, cutlery
Practical Upgrades: Cabinet handles, sticky-back wallpaper, tiles, or furniture paint

Every item should serve your vision, not just fill space.

Step 7: Upgrade Your Space

Move furniture, layer textures, and place new items with intention. You’ll be surprised how small, well-chosen additions can transform a room from functional to stylish all without expensive renovations.

Following these steps, you’ll see how budget-friendly home upgrades are entirely achievable with a plan, a clear vision, and smart use of tools like the Vivup X Harlowsave discount platform to stretch your budget.

Start with one room, collect inspiration, shop strategically, and enjoy seeing your space transform.

A 5-Week Plan to Take Control of Your Money, Inspired by James Clear’s Atomic Habits

Wed, 25 Feb 2026 12:31:29 GMT

Spring is not just for cleaning your home: it is the perfect time to refresh your finances. A spring reset gives you the chance to take stock, clear out financial clutter, and build habits that make money feel less stressful.

Instead of trying to overhaul everything at once, this plan uses small, science-backed changes that build lasting habits over time. Inspired by James Clear’s Atomic Habits, it focuses on realistic, manageable steps so your financial reset actually sticks.

Why it works: habit science shows that small, consistent changes are more likely to last than drastic overhauls. Each week builds on the last, so by the end of five weeks, you will feel more confident, organised, and in control of your money.

Week 1: Track What You Spend

Before you can make changes, you need to understand your habits. Tracking spending gives you a clear picture of where your money goes. You also can’t improve what you can’t see. Do not overthink it: just start capturing every purchase.

Action Steps:

Use the table below to record all spending this week. Copy it into Word, Notes, or grab a pen and paper.

On Sunday evening:

Take 10 minutes to review your table.
Total each day and category.
Identify repeat purchases or habits that surprised you.

Habit Science Tip: Recording your spending is a “cue” that triggers awareness. Small awareness steps reinforce behaviour change over time.

Week 2: Reduce Unnecessary Spending

Now that you have seen your spending patterns, it is time to make one small, manageable change.

Action Steps:

Pick one spend you want to reduce from your Week 1 review.
Set a clear written limit. Example: “This week, I will only treat myself to one takeaway coffee on Friday.”
Note this in writing. Making your goal visible strengthens commitment.

Small Wins Tip: Focus on one habit at a time. Habit science shows that targeting a single, specific behaviour increases the likelihood of long-term change.

Week 3: Review and Optimise Your Bills

With unnecessary spending reduced, it is time to make sure your regular bills are working for you.

Action Steps:

Choose one bill to review this week:
Energy or utility plan
Insurance (home, car, travel)
Phone or broadband
Bank fees or loan interest
See if there is a way to save or optimise. Even small savings add up.

Small Wins Tip: Focus on just one bill. If bills feel overwhelming, try the free financial support and guidance available through Plane Saver Credit Union. Our budgeting tools could make a big difference in managing your income. Read the [financial support blog].

Habit Science Tip: Clear triggers and small actions—like checking one bill—make building money habits achievable and less intimidating.

Week 4: Set Goals for The Future

Now that your habits are forming, it is time to plan for the future. Use the SMART method to make your goals clear, actionable, and achievable.

Action Steps:

Create at least one goal this week using the formula:
Specific: What exactly are you saving for?
Measurable: How much will it cost?
Achievable: How can you fund this? E.g. save monthly
Relevant: Why do you want to do this?
Time-bound: What date do you need the money by?

SMART saving goal example : I will save £[Measurable] for [Specific] by [Time-Bound] date. I will save this money by [Attainable] because it is [Relevant] to me.

Habit Science Tip: Writing goals and connecting them to a meaningful outcome reinforces the habit loop of cue, action, and reward, making you more likely to achieve what you set out to do.

You can download and print our SMART Goals Planner to make this easier.

Week 5: Automate Your Savings

Now that you know your goals and your weekly spending limits, it is time to make saving effortless.

Action Steps:

Decide how much you can save each week or month to reach your goals.
Set up an automatic transfer to a dedicated savings account.
Label your savings for motivation. Example: Holiday Fund or Emergency Cushion.

Small Wins Tip: Start small. Even £5 a week counts. Consistency beats size, and automation removes the temptation to spend.

Habit Science Tip: Making saving automatic removes decision fatigue and embeds the habit into your routine for long-term success.

Time to make it happen!

Discover how being intentional with your money can give you confidence, clarity, and control.

Start your Spring Financial Reset today.

You can do it alone, or by signing up to Plane Saver's email reminders. They’ll nudge you every week through the challenges, and provide a full FREE Spring Financial Reset workbook to guide you through it.

Winter Bills Got You Down? Here’s how to Stay on Top.

Tue, 10 Feb 2026 15:07:32 GMT

Winter Bills Got You Down? Here’s how to Stay on Top.

Winter has a way of putting extra pressure on household budgets. Higher household bills, everyday costs creeping up, and the knock-on effect of Christmas spending can leave many people feeling behind before the year has even started.

If that sounds familiar, you’re not alone. And at Harlowsave, support is not just about savings and loans. It’s about helping you feel more in control of your money, whatever stage you’re at.

Harlowsave is more than a place to save or borrow. We also offer practical tools, trusted guidance, and everyday support that many members do not realise they already have access to.

Here’s how we support members beyond the basics.

Check You’re Not Missing Out on Financial Support

Every year, billions of pounds in benefits go unclaimed across the UK. Often not because people are not entitled, but because they do not realise support exists or assume they would not qualify.

Our Benefits Calculator , powered by InBest, helps you quickly check what support you could be entitled to. It is free, confidential, and takes just a few minutes to use.

Many members are surprised by what they find.

Visit www.harlowsavecu.co.uk/benefits-calculator

A Budget That Actually Works in Real Life

People who regularly track their spending are far more likely to feel confident about their money and build savings over time. But budgeting only works if it feels realistic.

Our partner company Plane Saver Credit Union offer two options:

An online budget planner , powered by MoneyHelper
A printable Plane Saver budget planner , designed by our team for simple, everyday use

Whether you like digital tools or pen and paper, the aim is the same. To help you see where your money goes and make small changes that add up.

Visit www.planesavercu.co.uk/budget-planner

Trusted Support, Matched to Your Situation

Sometimes you need more than a calculator or a planner. You need advice from someone who understands your situation.

Our partner's Help and Support page brings together trusted organisations offering free, expert guidance across a wide range of topics. From debt and benefits to housing, energy costs, gambling support, and mental wellbeing, you can filter by what you are dealing with and avoid generic advice that does not apply to you.

This means you are guided straight to the right experts, at the right time, for the support you actually need.

Visit www.planesavercu.co.uk/help-and-support

Making Spending Easier to Control with Discounts

Harlowsave members have access to a dedicated lifestyle discount platform with over 800 offers across supermarkets, food, travel, retail and everyday essentials.

These discounts are not just about getting money off. They can also help you plan spending and avoid the habits that quietly drain your budget.

One of the most effective tools is reloadable supermarket cards .

You choose a supermarket, decide how much you want to spend on food for the week or month, and load that amount onto a reloadable card. This works with major supermarkets such as Tesco, Sainsbury’s, Asda, M&S, Waitrose, Iceland and others.

Once the balance is used, that is your food budget spent. It encourages planning, reduces impulse top-ups at more expensive convenience stores, and helps you stick to what you have set.

The same approach works for everyday habits too.

If the costs of your takeaway coffees add up, members can use discounted Costa or Caffe Nero cards. If food delivery is a weak spot, discounts are also available for Deliveroo, Uber Eats, and Just Eat.

It is almost like having separate spending pots for different parts of your life, helping you stay in control without feeling restricted.

Members can register and explore all available discounts here: www.harlowsavecu.co.uk/lifestyle-benefits

Fair, Affordable Borrowing When You Need It

If you do need to borrow, Harlowsave offers loans with no hidden fees, no early repayment charges, and interest calculated on the reducing balance.

We also encourage members to save alongside repayments where possible. That way, when the loan ends, you are left with a pot of money rather than starting from scratch.

A Credit Union That Supports the Whole Picture

Harlowsave is here for the long term. Not just when things go wrong, and not just when you need a loan.

Whether you save through payroll, pay by direct debit, or simply want better control of your money, everything we offer is designed to support your financial wellbeing.

You do not have to use everything at once. Even one small step can make a difference.

And if you are unsure where to start, our team is always happy to help point you in the right direction.

Christmas Opening Times (2025)

Thu, 11 Dec 2025 16:44:58 GMT

Our Festive Opening Hours:

Here’s everything you need to know about our opening hours, withdrawal cut-off times, and loan application deadlines so your finances run smoothly over the holidays.

Withdrawal Cut-Off Times

Loan Application Cut-Off Date

If you're planning to apply for a loan this Christmas, please make sure you submit your application (and upload all necessary documents) in time for funds before the holidays:

For funds before 24th December: Submit by 4pm on Thursday 18th December
For funds before 30th December: Submit by 4pm on Monday 22nd December

Top Member Discounts for Christmas

Wed, 10 Dec 2025 16:12:39 GMT

The Christmas rush is officially here: the shopping lists, the family visits, the hunt for the perfect gift at the perfect price. Luckily, Harlowsave members don’t have to do it alone.

Your member discount platform (powered by our partners at Vivup) is packed with offers that help you stretch your budget without cutting the joy.

From Christmas dinners to gifting, we’ve picked out the best festive deals to make this season a little brighter (and cheaper).

What's included in this article:

Gifts for Everyone
Gifts for her
Gifts for him
Kids Gifts & Toys
Experience Gifts
Food, Drink, & Supermarket Savings
Home & Décor
Stocking Fillers & Last-Minute Gifts
How to Use Your Member Discounts

Gifts for Everyone

Whether you’re buying for family, friends, or Secret Santa, you can find the right gift for anyone with a little discount.

Virgin Experiences - 15% off
Argos - 7% off
Adidas - 11% off
H.Samuel - 7.50% off
ASOS - 6% off
Harvey Nichols - 7% off

Gifts For Her:

From little luxuries to thoughtful treats, these brands are ideal for mums, partners, sisters or friends who deserve something special.

White Company -9% off
Swarovski - 15% off
Treatwell - 15% off
Mango - 5% off

Gifts For Him:

Tech, sport, style — here are the go-to discounts for gifts he’ll actually want (and use).

Football stadium tours - 10% off
Currys - 6.7% off
JD Sport - 7% off
Slater Menswear - 10%

Kids Gifts & Toys

Make the magic happen for less. These discounts cover the big presents, the small surprises, and everything in between.

Hamleys - 10% off
Funko - 10% off
Roblox (gift card) - 7% off
The Entertainer- 4% off

Experience Gifts

For the people who prefer memories over “things.” Theatre, events, restaurants, days out are a great gift for couples, friends, and hard-to-buy-for relatives.

Theatre tokens - 8.50%
See Tickets - 10% off
Merlin Attractions - 15% off
Restaurant card - 9% off
Ticketmaster - 4% off

Food, Drink, & Supermarket Savings

Festive food adds up fast. These supermarket deals help keep Christmas dinner, and all the snacks before it, budget-friendly.

Tesco - 4% off
Sainsburys - 4.5% off
Asda - 4% off
M&S - 6.5% off
Morrisons - 4% off
Waitrose - 4% off

Home & Décor

From cosy winter scents to holiday hosting essentials, these discounts help refresh your home for the festive season without overspending.

T K Maxx - 7% off
B&M - 6% off
Rituals - 8% off
Jo Malone - 5% off
IKEA - 6% off

Stocking Fillers & Last-Minute Gifts

Quick treats, small surprises, and easy wins. Perfect for Secret Santa, colleagues, and anyone you forgot (we won’t tell).

Lush - 7% off
WH Smith - 6% off
Waterstones - 4% off
Bloom & Wild- 20% off
Boots - 6% off

How to Use Your Member Discounts

Every Harlowsave member has access to a dedicated discount platform, but you need to sign up to it separately after your membership with Harlowsave becomes active.

You can learn more about how to sign up, what the discounts look like, and access your platform on our website.

Visit: www.harlowsavecu.co.uk/lifestyle-benefits

�� You only need to register once. After that, just log in anytime to see what’s new.

Terms & conditions apply. Harlowsave member discounts are provided by our brand partner Vivup.

We Are Merging!

Tue, 12 Aug 2025 12:48:58 GMT

A New Addition to Our Credit Union Community

Harlowsave Credit Union (HSCU) has proudly been part of Plane Saver Credit Union since 2023. This partnership has strengthened our ability to provide fair, affordable financial services to our members, offering a wider range of savings and loan products while maintaining the friendly, community-focused service you know and trust.

As part of a growing credit union family, we’re excited to continue supporting your financial goals. Our recent merger with Money Matters Community Bank means we can help even more people access the benefits of ethical, member-owned banking.

Upcoming temporary service changes
To integrate our systems with our newest members, there will be a one-day pause on withdrawals and loan payouts:

Tuesday 13 August – Requests submitted by 2pm will be processed as normal.
Wednesday 14 August – No withdrawals or loan payouts will be processed.
Thursday 15 August onwards – Services resume as normal.

These changes affect all members , including those who originally joined through Harlowsave. Thank you for your patience while we make these improvements.

FAQs

1. Why is there a pause in withdrawals and loan payouts?
We’re updating our systems to welcome Money Matters Community Bank members into Plane Saver. This ensures all members are on the same secure platform.

2. Will my Harlowsave membership change?
No. You are already a full Plane Saver member, and your account details remain the same.

3. Do I need to register for new online banking or the mobile app?
No. If you already use Plane Saver’s online banking or app, you can continue as usual.

4. Can I still apply for loans during this time?
Yes, you can apply, but loan payouts will not be processed on 14 August.

5. Where can I get more information?
You can contact us at info@planesaver.co.uk or call our Member Services Team on 0208 607 5020.

All This Talk About ISA’s, But What Is An ISA?

media@planesaver.co.uk (Gurminder Bhagrath) — Tue, 06 May 2025 15:09:32 GMT

If you’ve been watching the news or scrolling your feed lately, you’ve probably seen talk about ISAs. The government is thinking about changing the rules to make them more flexible and appealing. But if you’ve never looked into them before, the whole thing might feel a bit... confusing.

We'll explain what ISAs are, what types there are, how risky they are (or aren’t), and how to use them. Most importantly, we’ll show you how some of these ISAs could work for you and how you can start using them to hit your financial goals.

Here’s why ISA’s are such a big deal

You don’t pay tax on the money you earn inside an ISA. That means no tax on interest, investment growth, or profits.
Each person gets an ISA allowance of tax-free savings each year, which resets every April.
You can only open and pay into one of each type of ISA per year (we’ll talk about the different types later).
Only UK residents can open and use an ISA.

What are the different types?

We mentioned earlier that there are different types of ISAs and that’s for a good reason! People save for all kinds of goals, and in different ways. So, these ISA options are designed to give savers more choice, depending on their goals, timelines, and comfort with risk.

Let’s break them down one by one.

Cash ISA

Risk: Low

This is the most straightforward type of ISA. You put money in, and the bank or provider pays you interest, just like a regular savings account. The key difference? You don’t pay any tax on the interest you earn.

You can put in up to £20,000 per tax year (this limit is called your annual allowance , which just means the maximum you're allowed to add to ISAs in one year without paying tax).

This ISA is good if you:

Want to grow your money safely
Don’t want to risk investing
Prefer simple, predictable savings

Junior Cash ISA

Risk: Low

A Junior ISA (sometimes known as a JISA) is for children under 18. A parent or guardian opens it, but anyone can pay in. The money is then locked away until the child turns 18 and then it becomes theirs.

You can save up to £9,000 per tax year , and it can be a great way to give your child or grandchild a financial head start.

This ISA is good if you:

Want to save for a child’s future
Want the money to grow safely
Don’t want it to be touched early

Lifetime ISA (LISA)

Risk: Medium

This ISA is for people aged 18–39 who are either saving for their first home or for later life. You can save up to £4,000 per tax year , and the government adds a 25% bonus (that’s up to £1,000 a year of free money!)

But here’s the catch: you can only take the money for buying your first home, or after you turn 60. Anything else, and you’ll be charged a penalty fee that takes away some of your savings.

This ISA is good if you:

Are saving for your first house or retirement
Don’t need flexibility for your savings
Don’t want it to be touched early

Stocks & Shares ISA

Risk: High

Instead of just saving, this ISA lets you invest your money in things like company shares or funds. Over time, this could earn you more than a normal savings account and you won’t pay tax on any money you make from these investments.

But because it’s investing, your money isn’t guaranteed. It could go up... or down.

This ISA is good if you:

Want to try and grow your money long-term
Are OK with risk
Won’t need the money for several years

What Changes Might Be Coming to ISAs?

The UK government has been talking about “modernising” ISAs, but none of this is confirmed yet . Here are some of the proposed changes they’re considering:

For all ISAs:

Letting people open and pay into more than one ISA of the same type each year
Encouraging more investment in UK-based companies and funds
Making transfers between providers easier and quicker

For Lifetime ISAs:

Reducing the penalty for early withdrawals
Raising the home price cap (currently £450,000)
Allowing use for other life events like long-term care or education

For Junior ISAs:

Increasing the annual limit above £9,000
Letting teens manage their money earlier
Creating more flexible access rules for specific situations

Again, these changes are not law yet. But they’re worth keeping an eye on if you want to make the most of your savings options.

Want to start saving in an ISA that’s perfect for beginners?

With Plane Saver’s Instant Access Cash ISA, your savings stay flexible while earning better interest than you would at many high street banks.

Plus, your rate is fixed until the end of the tax year , so it won’t drop unexpectedly!

Plane Saver Instant Access Cash ISA Rate: 4.25% Fixed AER
VS NatWest: 1.40% AER Variable

(Notice how NatWest’s Cash ISA says “variable?” That’s their sneaky way of saying they can drop the rate at any time!)

Go to our website to learn more:

�� Cash ISA | Harlowsave Credit Union

Navigating Persistent Debt: A Closer Look at Credit Card Strategies

Wed, 10 Jan 2024 15:54:18 GMT

What is persistent debt?

In the complex world of personal finance, persistent debt can be a silent menace, quietly accumulating and hindering financial progress. Defined by the Financial Conduct Authority (FCA) as a situation where interest, fees, and charges exceed the amount paid off over 18 months or more, persistent debt is a challenge faced by many credit and store card holders. In this blog post, we'll explore what persistent debt entails, why it matters, and practical strategies to escape its grip.

Understanding Persistent Debt

Persistent debt occurs when the cumulative interest, fees, and charges surpass the payments made towards the principal amount borrowed. This typically happens when individuals make only the minimum payment or slightly more, leading to a prolonged repayment period. Lenders often notify borrowers about their persistent debt status through letters, urging them to take action to avoid long-term financial consequences.

The Cost of Minimum Payments

Making only the minimum payment may seem like a convenient option, but it comes with a high financial cost. Let's consider an example based on a £3,000 credit card balance with an effective interest rate of 24%. Paying the minimum amount would take a staggering 28 years and 3 months to repay, resulting in £5,214 in interest and a total payment of £8,214. This emphasises the importance of seeking alternatives to break free from persistent debt.

Strategies to Reduce Debt

Pay More Than the Minimum:
Aim to pay more than the minimum amount stipulated on your credit card statement.
Even modest additional payments can significantly reduce the overall balance and interest paid over time.
Understand the Impact of Fixed Payments:
Making fixed payments, such as £84 each month, can speed up the repayment process.
In the example provided, paying a fixed amount reduces the repayment time to 4 years and 10 months, with £1,866 in interest and a total payment of £4,866.
Optimise Payments to Minimise Costs:
Paying a little more, such as £124 each month, further accelerates the debt clearance.
This approach results in repaying the balance in 2 years and 9 months, with only £981 in interest and a total payment of £3,981.
Consider Debt Consolidation
Explore options like debt consolidation to streamline payments and potentially secure a lower interest rate.
Budgeting and Financial Planning
Develop a realistic budget to allocate funds for debt repayment and avoid accumulating additional charges.

By understanding the implications of persistent debt and adopting strategies like paying more than the minimum, fixing payments, and optimising repayments, you can work to regain control of your credit card finances. Most importantly, if your credit card provider contacts you about persistent debt, reach out to them and discuss how they can help you.

If you have a Harlowsave loan and you want to discuss your options, you can contact our team on 0208 607 5020.

Embracing new ways to save

Wed, 06 Sep 2023 09:14:22 GMT

Embrace Smart Savings with Harlowsave

At Harlowsave, we understand that managing your finances is essential, but we're here to make it a warm, welcoming, and rewarding experience. Saving money can be both practical and enjoyable. We've curated a range of savings challenges that not only make the process fun but also bring you closer to your financial goals:

The £1 Challenge: Save £365 a Year

Kickstart your savings journey by setting aside just £1 every day. By year's end, you'll have accumulated an impressive £365. This method is perfect for maintaining a consistent savings habit alongside your regular financial routine.

The 1p Challenge: Save £667.95

Take a gradual approach with the 1p challenge, a favourite among savvy savers. Start by saving just 1p on the first day and increase the amount by a penny each day. By year's end, you'll have amassed £667.95—a substantial addition to your savings.

The £1,500 Challenge: High-Stakes, High Rewards

For those with ambitious goals, the £1,500 challenge might be just what you need. This approach involves increasing your daily savings over a week and then resetting for the next. By committing to save £28 each week, you'll end up with an impressive £1,456 by the year's end.

The 52-Week Saving Challenge: A Steady Approach

Slow and steady wins the race. With the 52-week challenge, you set aside an amount corresponding to the week of the year. Week one, you save £1. Week 52, you save £52. It's a straightforward strategy to build your financial cushion steadily.

The 26-Week Saving Challenge: Ideal for Fortnightly Incomes

Adapting the 52-week challenge, the 26-week challenge is perfect for those who get paid every two weeks. While the end result matches the 52-week challenge, it allows for a more spread-out savings approach, making it easier to manage.

The Monthly Savings Challenge: Consistency is Key

With the monthly savings challenge, consistency is your best friend. Start with £10 and increase the amount by multiplying it with the corresponding month. By year-end, you'll have saved £780—a testament to the power of regular savings.

The Fiver Challenge: Aim High

The Fiver Challenge is our most ambitious option, perfect for those with lofty savings goals. Similar to the 52-week challenge, this approach involves increasing savings in multiples of £5, potentially resulting in a £7,000 boost.

The No Spend Challenge: A Unique Approach

Sometimes, saving means not spending. Our no-spend challenge encourages you to cut out unnecessary expenses for a set period. You'll be amazed at how much you can save by making mindful choices.

Discover the Benefits of Membership

As a proud member of Harlowsave Credit Union, you gain access to a world of benefits designed to empower your financial journey:

Online Account Management: Effortlessly manage your savings with our user-friendly online platform.
FREE Life Savings Protection : Enjoy peace of mind with up to £10,000 in life savings protection .
Flexible Deposit Options: Deposit funds through Payroll, Direct Debit, or make one off despots from your bank account.
FSCS Protection: Your savings are safeguarded up to £85,000 , ensuring financial security.
Exclusive Discounts: Benefit from exclusive partnerships, such as discounted gym membership, to enhance your well-being.

Ready to Get Started?

At Harlowsave Credit Union, we combine informative guidance with straightforward tips. Our mission is to help you achieve financial resilience while tailoring your savings journey to your lifestyle and needs.

Ready to start saving? Consider opening our instant access Cash ISA. With a competitive projected dividend rate of 4.1%, your money will start working for you. Learn more about our Cash ISA here.

Don't miss out on the benefits that come with being a Harlowsave member. Apply for membership now and unlock a world of financial possibilities. Join us on this exciting journey towards financial freedom—because your financial goals matter.

Note: The information provided in this article is for educational purposes only and is not financial advice. Please consult with a financial professional before making any significant financial decisions.

Managing your finances in the new school year.

Tue, 05 Sep 2023 10:30:25 GMT

The class of 2024 is in session!

Welcome to the new school year, where exciting learning opportunities await your children! As you embark on this journey, Harlowsave Credit Union is here to support you in managing your finances with a touch of wisdom. While finance is undoubtedly a serious business, we believe in making it uncomplicated and accessible to all. In this blog post, we'll share some tips to help you budget for school supplies, trips, and uniforms throughout the school year, all while keeping things as simple as possible.

Set Clear Financial Goals:

Start by setting clear financial goals for the school year. Whether it's saving for textbooks, school trips, or extracurricular activities, having a well-defined plan will make managing your finances easier. Don't forget to consider your child's long-term educational needs, like an education fund, and explore our Junior Saver Account , designed to help you save for your children's future.

Create a School-Year Budget:

A well-structured budget is your key to financial success. List all anticipated expenses, such as school supplies, uniforms, transportation costs, and extracurricular fees. Allocate funds to each category, break it down to a monthly amount and stick to your budget. Our goal is to make budgeting informative yet uncomplicated, so use tools like spreadsheets or budgeting apps to help you track your spending.

Shop Smartly for School Supplies:

When shopping for school supplies, look for deals, discounts, and sales. Consider buying in bulk, as this can save you money in the long run. Additionally, involve your children in the process by teaching them the value of money and the importance of making wise purchase decisions.

Uniforms and Clothing:

Uniforms and clothing can be a significant expense. To manage this, check if there are any second-hand uniform shops or exchange programs at your child's school. It's also a great opportunity to explore our Junior Saver Account , which can help you save for essentials like clothing and school stuff. You may start to see school uniform in the sales soon, if you have the money to buy it, consider buying the next size up now so you have it as soon as your child needs it.

Plan for School Trips and Activities:

School trips and extracurricular activities can add up quickly. Create a separate savings fund for these expenses, and encourage your children to contribute a portion of their allowance or pocket money. You can do this using a savings jar at home so your kids can watch the money build up.

Review and Adjust Your Budget Regularly:

Throughout the school year, review your budget periodically to ensure you're staying on track. Life happens, and unexpected expenses may arise, so having a flexible budget can help you adapt without stress.

At Harlowsave Credit Union, we understand the challenges parents face when managing back-to-school finances. Remember, open and honest communication about money with your children can be a valuable lesson for them as well. We hope these actionable tips help you navigate the school year with ease while securing a bright future for your children.

If you have any questions or need further guidance on managing your finances, don't hesitate to reach out to us. We're here to support you every step of the way. Happy new school year!

Celebrating Together: Harlowsave Reaches 25,000 Members Milestone!

Tue, 05 Sep 2023 10:13:04 GMT

25,000 members and growing!

We have some exciting news to share with our incredible Harlowsave community! Together, as part of the Plane Saver Credit Union family, we've reached a momentous milestone - we now have an amazing 25,000 members on board! ��

From our humble beginnings to this remarkable point in our journey, we've experienced phenomenal growth, embraced innovation, and maintained an unwavering commitment to serving our community. This achievement is a testament to the trust you've placed in us, and we can't thank you enough for your continued support.

To our cherished members, we extend our heartfelt gratitude. Your belief in our mission has brought us to this thrilling juncture, and we're honoured to be your financial partner. We also want to give a massive shout out to our dedicated team. Your hard work, passion, and relentless dedication have been the driving force behind this accomplishment. This achievement wouldn't have been possible without your efforts and commitment.

But the journey doesn't end here - it's only just beginning! We're excited to introduce an enhanced Cash ISA with a projected dividend of 4.1% (terms and conditions apply). This is just one of the ways we're working to provide you with even better financial options and help you achieve your financial goals.

So let's take a moment to celebrate together - our shared success, our shared vision, and the exciting path ahead. Thank you for being a part of the Harlowsave family, and here's to many more milestones to come! ��✨

The Harmful Effects of Excessive Gambling: Understanding the Risks

Thu, 22 Jun 2023 14:25:34 GMT

When does gambling pose a risk?

Gambling can be an enjoyable recreational activity for many people, offering excitement and the possibility of winning some extra cash. However, when gambling becomes excessive and starts to negatively impact various aspects of a person's life, it can lead to severe consequences. This blog post will delve into the harmful effects of excessive gambling, shedding light on the financial, mental health, and relationship problems it can cause. We will also provide information on where to seek help for gambling addiction.

Financial Consequences:

One of the most significant dangers of excessive gambling is the potential for severe financial consequences. People who engage in compulsive gambling may accumulate substantial debts, face bankruptcy, and deplete their savings or assets. In desperate attempts to sustain their gambling habits, individuals may resort to borrowing money from friends, family, or financial institutions. Unfortunately, some may even resort to illegal activities, such as theft or fraud, to fuel their addiction.

Mental Health Issues:

Excessive gambling takes a toll on an individual's mental well-being. It can contribute to the development or exacerbation of mental health problems, such as anxiety, depression, and mood swings. The constant stress and worry associated with financial losses and the highs and lows of gambling can lead to emotional instability. Additionally, individuals may experience low self-esteem, intense guilt or shame, and a sense of social isolation due to their preoccupation with gambling.

Relationship Problems:

Gambling addiction can strain relationships with loved ones. The financial consequence of excessive gambling often leads to arguments, dishonesty, and loss of trust within families and friendships. Partners may feel neglected or betrayed, and children may suffer the consequences of financial instability. The strain placed on relationships can even escalate to separation or divorce, adding further emotional distress to an already difficult situation.

Addiction:

Gambling addiction is a recognised behavioural addiction, like substance addiction. Excessive gambling can lead to psychological dependence on the activity, making it challenging for individuals to stop or control their gambling behaviours. Like other addictions, gambling addiction can cause withdrawal symptoms when a person tries to quit, such as restlessness, irritability, and depression. Over time, the need for bigger risks and higher bets may develop, leading to a vicious cycle of escalating gambling behaviour.

Seeking Help:

Recognising that gambling has become a problem is the first step toward recovery. If you or someone you know is struggling with gambling addiction, it is crucial to seek help.

The National Health Service (NHS) offers valuable resources and support for gambling addiction. To access a questionnaire and seek further assistance, you can visit the NHS website's gambling addiction support page [link: https://www.nhs.uk/live-well/addiction-support/gambling-addiction/]. It provides information on support groups, helplines, and treatment options available to individuals seeking help for their gambling problems.

Other organisations such as https://www.gamcare.org.uk/ and https://www.begambleaware.org/ also offer great support and resources.

While gambling can be a harmless form of entertainment for many, excessive gambling poses serious risks to individuals and those around them . The financial, mental health, and relationship problems associated with gambling addiction can have a devastating impact on one's life. Recognising the signs of addiction and seeking help is crucial in regaining control and working towards a healthier, happier life. Remember, support and resources are available, so don't hesitate to reach out for assistance.

Summer on a budget!

Tue, 06 Jun 2023 10:48:37 GMT

Summer is here. . .

We understand that many of you may be looking forward to a well-deserved break. However, we also know that budgets can be tight, and finding affordable ways to enjoy the summer holidays is important. To help you make the most of this season without breaking the bank, we have compiled five budget-friendly ideas that you can consider. Here they are:

Explore Local Parks and Nature Reserves:

Take advantage of the natural beauty that surrounds us. Visit local parks, nature reserves, and picnic spots near your area. Enjoy leisurely walks, have a picnic with your family and friends, or simply relax and soak up the sun. These locations often offer free or inexpensive entry fees, making them ideal for a budget-friendly day out.

Organise a Community Sports Day:

Engage with your neighbours and friends by organising a community sports day. Choose a local park or a common space where everyone can gather. Plan various sports activities such as relay races, football matches, or even a mini Olympics. Encourage participants to bring their own snacks and drinks to keep costs low. Not only will this be a fun-filled day, but it will also foster a sense of togetherness within your community.

Have a DIY Water Fun Day:

Create your own water-themed adventure in your backyard or local outdoor space. Set up a DIY water park with sprinklers, water guns, and inflatable pools. Kids and adults alike can enjoy a refreshing day filled with water games and splashing around. You can also organise a water balloon fight or create an obstacle course using water-themed challenges. This budget-friendly idea guarantees a day of laughter and excitement.

Discover Free Local Events:

Keep an eye out for free or low-cost events happening in your area during the summer holidays. Check community notice boards, local websites, and social media groups for information on festivals, concerts, art exhibitions, or outdoor movie screenings. Many towns and cities organize free events that offer entertainment for all ages. Attending these events can be a great way to have fun without straining your budget.

Plan a Camping Adventure:

Camping is an excellent way to connect with nature and create lasting memories with loved ones. Look for budget-friendly campsites in your region or explore wild camping options if allowed. Gather camping gear from friends and family or consider renting equipment to keep costs low. Spend quality time around the campfire, enjoy stargazing, go hiking, and immerse yourself in the beauty of the outdoors.

Remember, enjoying the summer holidays doesn't have to be expensive. With a little creativity and resourcefulness, you can have a fantastic time without straining your budget. We hope these ideas inspire you to make the most of this summer season.

Sun, Sand, and Smart Borrowing:

If you're considering taking out a loan to fund your summer adventures, our personal loans can be a convenient option. Here's why we could be the best fit for your financial needs:

Competitive rates: Enjoy fair interest rates and flexible repayment terms designed to suit your budget.
Easy application: Applying for a personal loan is quick and easy, with our dedicated team ready to assist you every step of the way.
Responsible: We believe in responsible lending practices, ensuring you borrow only what you can comfortably afford to repay.

Remember, financial wellness is a journey, and we're here to support you every step of the way. Explore our website for more information.

Be aware of the Scammers

Tue, 20 Dec 2022 10:28:10 GMT

Take extra care with messages and emails from unknown senders

Members of the public have reported receiving messages requesting their bank details to provide financial support for energy bills. Please be aware that the first instalment was added automatically to bills on the 1st of October; therefore, there is no need to disclose ANY bank details. According to the Energy Saving Trust , ‘’you don’t need to contact your supplier, as all households with a domestic electricity connection will be automatically given the discount. However, if you haven’t received the first instalment by the end of October 2022, you should get in touch with your energy supplier. You will never be asked for your bank details.’’

Citizens Advice also published a helpful guide and checklist for identifying scammers and potentially harmful text/emails.

According to Which.co.uk, s cammers are also impersonating TV Licensing and the DVLA to steal your details. Their website says:

''Scammers are sending fake emails using the official TV Licensing logo. The first email encourages the recipient to update their direct debit details. The email might appear convincing, but the small spelling and grammatical errors are the first giveaway that it is a fake. The immediate request for your 'correct bank details' is also a red flag.

The latest dodgy DVLA email tries to create a sense of urgency with the subject line: ‘Vehicle Tax Status - Unpaid!’ and uses the Gov.uk logo to appear genuine. The email goes on to say: ‘Dear [your email address]. Your bank has declined twice the latest Direct Debit payment. If you will not update your information, your vehicle is no longer taxed.’

The email includes a link, which states: ‘In order to continue to the payment page please use the following link.' If you click on this link, malware could be downloaded onto your device, or you may be taken to a website that asks for your personal data. As with the TV Licensing scam above, the grammatical errors and clumsy layout are a sign that this was written by fraudsters.''

Is a Debt Consolidation loan right for you?

Tue, 20 Dec 2022 10:28:08 GMT

Should you borrow to clear debts?

As the UK continues to struggle with the ongoing cost-of-living crisis, some institutions are advising UK residents to seek financial assistance. With many people now considering a debt consolidation loan, the question is: is it right for you?

According to financial capability charity The Money Charity , the total unsecured debt per UK adult in February 2022 was £3,771, while the average total debt per UK household was £63,803.

With the cost of living crisis also cranking up the financial pressure facing UK households to near unbearable levels, news that inflation has risen for a ninth consecutive month to 9.4% is not what anybody was hoping to hear. It does, however, send a clear message to us all: there's never been a more important time to keep a close eye on your money and make sure your debts are properly managed.

Echoing that sentiment are the Financial Conduct Authority (FCA) and Government-approved online advice service MoneyHelper, both of whom are recommending that UK residents should actively seek help if they're struggling financially. As a result, many people are considering a debt consolidation loan, one of the most effective ways of dealing with debt.

So what exactly are debt consolidation loans and what benefits do they offer?

What is a debt consolidation loan?

A debt consolidation loan is a loan taken out by an individual in order to pay off their existing debts. The individual uses the money from the debt consolidation loan to pay off the people or companies to whom they owe money, then repays the loan in monthly instalments.

Debt consolidation loans can be used to pay off different types of debt, such as overdrafts, credit cards, personal loans or store cards.

Why do I need one?

Taking out a debt consolidation loan is an effective way of taking back control of your finances as it allows you to immediately pay off all your debts and leaves you responsible for just one repayment per month.

When you have several lenders to repay each month, it can be easy to forget to make a payment, especially if the repayments are for different amounts and due on different dates. Needless to say, this makes budgeting and general money management much more difficult.

Because bigger loans often come with lower interest rates, debt consolidation loans can also lower your monthly repayment amount, reducing your outgoings. The repayments can also be spread over a period of time that is more suitable for you, which could potentially lower your monthly repayments too.

What if I'm too embarrassed to ask for help?

With debt, a serious issue that affects many households in the UK, taking out a debt consolidation loan seems like the obvious thing to do. Unfortunately, another issue is preventing people from doing so - embarrassment.

According to the FCA , embarrassment causes some 52% of borrowers facing financial hardship to wait more than one month before seeking help, with 53% of these regretting not doing so sooner and feelings of regret increasing exponentially the longer they wait.

While it is perfectly understandable to not want to discuss your finances if you are experiencing debt, it is important to recognise that, with the cost-of-living crisis dragging on, the stigma attached to being financially unstable is quickly disappearing as more and more people find themselves in the same boat. It is also worth remembering that financial help is available from reputable lenders to anyone who needs it, with no judgement attached.

Bring your debts under control with a loan.

At Harlowsave, our Debt Consolidation loans enable you to borrow as much as £25,000 with rates starting from as little as 3.4% APR, allowing you to consolidate any existing loan, credit card, or overdraft into one monthly repayment. We'll even repay your lenders directly so you don't have to.

With no hidden fees or charges, no early repayment penalties and free loan protection of up to £10,000, one of our Debt Consolidation loans could help you improve your financial well-being today.

Saving for your child's future

Tue, 20 Dec 2022 10:28:07 GMT

With economic uncertainty gripping the UK, saving for your child's future is more important than ever. Here's how to start.

Putting money aside for your children is something most parents want to do as it guarantees them a degree of financial independence once they become an adult. Depending on how much you are able to save, the nest egg can be used as a deposit for a house or a car, reducing the financial pressure they are likely to face.

But with the cost of living crisis showing no signs of stopping, it may be tempting to wait until the economy starts to improve. However, saving for your child's future doesn't need to be expensive; the key is to save regularly, then sit back and watch the money build up over time. For example, if one person saves one pound a week from when a child is born until it turns 18, they will earn £936. If two people contribute to the account, each saving £2 per week, the total will rise to £3,744. For those eager to save larger amounts, the easiest way to go about it is with a junior ISA.

What is a junior ISA?

Junior ISAs allow you to save a certain amount each year for your child and are available from many credit unions, building societies and banks. They are tax-free savings accounts that can be opened by a child's parents or guardians, who manage the account until the child turns 16. However, the child cannot access their money before the age of 18.

Once an account has been set up, anyone can pay money into it but the total amount paid in cannot exceed a certain limit; for the 2022-2023 tax year, the maximum amount that can be paid in is £9,000.

There are two types of Junior ISA: cash ISAs and stocks and shares ISAs. With Cash ISAs, you don't pay tax on interest on the cash you save; with a stocks and shares ISA, your cash is invested and you don't pay tax on any capital growth or dividends you receive.

What are Junior Saver accounts?

Another option for people who want to save money for their child's future are Junior Saver accounts. Junior Savers enable you to save for your children straight from your pay via Payroll or Direct Debit, with whatever you pay into the account earning an annual dividend.

Unlike ISAs, there are no limits on the amount that can be paid into a Junior Saver account - just a minimum deposit of £5 per month - making it a great way to save small or large amounts.

We help you save for your child's future, today with our Junior Saver account. At Harlowsave anyone with one of our Junior Saver accounts also receives free life savings protection of up to £10,000 and Financial Services Compensation Scheme (FSCS) Protection of up to £85,000.

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Credit Union Members Save Up to 65% on Travel This Year

Hotels & Accommodation: Save up to 65% worldwide with Hotel Planner

Airport Parking: Up to 32% off

Travel Insurance: 20% off

Package Holidays: £300 off future trips

Make the Most of Your Member Benefits

How To Upgrade Your Home On a Budget

Step 1: Pick a Room to Focus On

Step 2: Collect Your Inspiration ﻿

Step 3: Analyse Your Moodboard

Step 4: Audit Your Current Space

Step 5: Set Your Budget

Here’s how it works:

Step 6: Shop With a Plan

Step 7: Upgrade Your Space

A 5-Week Plan to Take Control of Your Money, Inspired by James Clear’s Atomic Habits

Week 1: Track What You Spend

Week 2: Reduce Unnecessary Spending

Week 3: Review and Optimise Your Bills

Week 4: Set Goals for The Future

Week 5: Automate Your Savings

Time to make it happen!

Winter Bills Got You Down? Here’s how to Stay on Top.

Winter Bills Got You Down? Here’s how to Stay on Top.

Check You’re Not Missing Out on Financial Support

A Budget That Actually Works in Real Life

Trusted Support, Matched to Your Situation

Making Spending Easier to Control with Discounts

Fair, Affordable Borrowing When You Need It

A Credit Union That Supports the Whole Picture

Christmas Opening Times (2025)

Our Festive Opening Hours:

Withdrawal Cut-Off Times

Loan Application Cut-Off Date

Top Member Discounts for Christmas

What's included in this article:

Gifts for Everyone

Gifts For Her:

Gifts For Him:

Kids Gifts & Toys

Experience Gifts

Food, Drink, & Supermarket Savings

Home & Décor

Stocking Fillers & Last-Minute Gifts

How to Use Your Member Discounts

We Are Merging!

A New Addition to Our Credit Union Community

FAQs

All This Talk About ISA’s, But What Is An ISA?

Here’s why ISA’s are such a big deal

What are the different types?

Cash ISA

Junior Cash ISA

Lifetime ISA (LISA)

Stocks & Shares ISA

What Changes Might Be Coming to ISAs?

For all ISAs:

For Lifetime ISAs:

For Junior ISAs:

Want to start saving in an ISA that’s perfect for beginners?

Plane Saver Instant Access Cash ISA Rate: 4.25% Fixed AER VS NatWest: 1.40% AER Variable

Go to our website to learn more:

Navigating Persistent Debt: A Closer Look at Credit Card Strategies

What is persistent debt?

Embracing new ways to save

Embrace Smart Savings with Harlowsave

Discover the Benefits of Membership

Ready to Get Started?

Managing your finances in the new school year.

The class of 2024 is in session!

Celebrating Together: Harlowsave Reaches 25,000 Members Milestone!

25,000 members and growing!

The Harmful Effects of Excessive Gambling: Understanding the Risks

When does gambling pose a risk?

Summer on a budget!

Summer is here. . .

Be aware of the Scammers

Take extra care with messages and emails from unknown senders

Is a Debt Consolidation loan right for you?

Step 2: Collect Your Inspiration

Plane Saver Instant Access Cash ISA Rate: 4.25% Fixed AER
VS NatWest: 1.40% AER Variable