The New Year is a time of resolutions and plans for the year ahead. It is an opportunity for us to take stock of where we are and what we want to achieve.

A factor in achieving any goal is financial stability and for 2023, we should all make our financial health a key priority. Keep reading to see our tips to enhance your financial health.

Saving & Budgeting

Having some form of an emergency fund can make all the difference when the unexpected happens. With the current cost of living crisis, things are more difficult than ever but even putting away €10 a week now would be worth €500 to you this time next year.

To help members, Capital Credit Union produced a Monthly Budgeting Tool with the help of the ILCU to help our members manage their finances. It is also very easy to save with us and you can find out more here.

Get The Best Value

It is more important than ever to shop around. Whether you have home insurance with the same provider and noticed it creeping up or you have just gotten a new car insurance quote that seems too high, don’t take the first option.

There is no downside to shopping around for a better quote, you’ll still have access to the original quote, giving you time to find the best value. Our partners Peopl Insurance do this for our members by scanning the market looking for the best value. To see if you can save with them, click here.

Get Financial Advice

Financial advice can seem complicated and scary but understanding the options available so you can make a real difference to your financial health, from investments to pensions.

Capital Credit Union have partnered with Zurich Life to offer our members free financial advice. This comes in the form of a no-obligation financial consultation where a financial advisor with Zurich will speak with you and provide you with a list of options. It is then up to you if you want to take out a policy.

If you’d like to arrange a call with Zurich, click here and one of their team will be in touch.

Review Your Debts

Everybody should review their credit agreements on a yearly basis from loans to mortgages to credit cards. Many people don’t realise that credit card interest rates can be upward of 16% making it one of the most expensive forms of credit available.

We are currently offering a reduced rate Switcher Loan to help their members switch and save. Also, if you have multiple loans, you could combine them into one manageable payment and save money on the cost of credit. Click here to see our Switcher Loan.