Every January we hear about the most depressing day of the year. All the Christmas expenses start to catch us up, many realise we cannot continue to consume the same diet we have enjoyed over the Christmas period. Whether it is really is the most depressing day of the year we cannot prove however PCCU believe it should be marked as a positive day.

The third Monday of the January should be the day we take back control of our finances and make positive changes for the year ahead.

PCCU understand that credit and store card bills are hitting our post boxes and email inbox at the moment. Many start to see the full extent of their spending during the festive period. Whether it was food shopping, buying presents or that extra social date you had not planned for financially.

At this time of year we see an increase in enquiries about the options PCCU provide to help to consolidate high interest credit and loans that people in the local community have used to fund Christmas. If you are faced with credit card or store card bills with high APR’s, payday loans or catalogue payments then we could provide a loan to consolidate all your credit into one manageable payment – which is tailored to suit your financial circumstance.

There are a large number of people who just managed to get through the Christmas period without borrowing but know that by starting to save now they will be better prepared for 2017.

PCCU provide a safe and easy way to save. We have a number of saving accounts that can help you save for holidays, special occasions and the expensive Christmas period we are emerging from.

If you know you need to make a positive change, contact PCCU about our great savings and affordable loan accounts today.