Yes, we know it’s only october but it pays to plan ahead when it comes to christmas spending.

Apparently a certain high end retailer had their Christmas Shop open in August, now that’s madness...

Are you Making a List & Checking it Twice?

Start shopping early, make a list, keep a budget in mind and stick to both.  Don’t saunter into town on Christmas Eve and not a clue what to buy. You’ll end up spending a fortune and you’ll be grumpy ‘cos it’s not like you see on the movies where everyone is dancing and singing round the shops… it’s a battlefield.

Secret Santa Baby

Secret Santa for the adults is the way to go, you’ll save a heap of money and who knows you might even get something you want this year. There are only so many bubble baths and body lotions a girl can handle… and does anyone actually use soap on a rope?

Deck The Halls with  Re-used Holly

Don’t be seduced by all the sparkling new decorations in the shops if you already have plenty. We have it on good authority Vintage is the look this year so ask yer Ma to dig out some homemade decs from years gone by, she’ll be delighted and you’ll have a lovely trip down memory lane.  

Last Christmas I Made You a Tart

When it comes to Christmas Fayre there’s nothing better than homemade and it’s so much cheaper. Make your own 
treats, Google fun and easy recipes to try out with the kids, so what if they make a mess? It’s Christmas!

Rudolph the Financially Hungover Reindeer

Think seriously about what you can afford and don’t push your limit. You’ll be glad in January when the kids are already bored and playing with the boxes their presents came in. Go easy on the credit cards and avoid the moneylenders at all costs. We’re here if you need a small loan to tide you over. Download a form or apply online www. stpatrickscu.ie

Let it Grow!

Ok so it’s a bit late for this year but if you add Christmas to your Budget Account now, when next Christmas 2017 rolls around you’ll have a nice little pot of money saved to ease the strain on your purse. Give the member services team a call and get it organised…now…

It’s The Most Woeful Time  of the Year

If Christmas isn’t your thing our 1yr holiday loan could have you on a sunny beach away from all the madness. Even Michael Bublé’s Christmas Album sounds good when you’re by the pool…allegedly.

Mistletoe and ….a cuppa

In all seriousness it’s not all about how much you spend, the things that really matter cost nothing. Play daft games with the kids, spend time with friends and family. If you have elderly neighbours living on their own, pop in for a cuppa with a box of biscuits or invite them to yours, it could be the most welcome gift you give this year.

Christmas 2016?

Apply for a 1 Yr hollier loan with St Pats.... anything to avoid another Buble Christmas album ! www.stpatrickscu.ie 1800 94 00 77