Pioneer Mutual Team



The tree has been taken down, and the decorations packed away for another year, and Christmas is the furthest thing from people’s minds. But now is the time to start planning for next year, in order to have the sparkle without the [financial] stress.

According to a poll by The Money Advice Trust, 7.9 Million people will struggle with their finances as a result of Christmas. Joanna Elson, Chief Executive of advises ‘everyone to look at their personal finances and make a plan if they can – set a household budget, look at joining a credit union in preparation for next Christmas’.[1]

Our Christmas Club is a safe and simple way to save for the festive period; save as much or as little as often as you wish, with no access to the funds until the 1st November so no temptation to delve into the pot.

Unlike other Christmas savings schemes your credit union savings are protected under FSCS up to the maximum of £85,000, and you also have the added benefit of free Life Savings and Loan Protection.

If you save just £5 a week from now until Christmas, you would have £245 by the time Santa is due. Our Budget Planner is the perfect way to plan how much you can afford to save each week or month.

Our Christmas Club is free for members to join, and if you’re not yet a member, it is as simple as 1, 2, 3 to join and costs just £6 (£5 membership fee, £1 share). So, start saving for Christmas today, and avoid the financial hangover next year.