24pete, Author at Northern Community Bank

How Northern Community Bank can help you with a credit union Xmas loan

September 19, 2023 11:13 am Leave a Comment

Can you believe it’s that time of the year again? It feels like just yesterday we were planning our summer getaways, and now September has arrived, the evenings are getting shorter, and Christmas decorations have already hit the shops! And while the weather may have taken a turn for the worse, nothing can dampen our excitement for Christmas here at Northern Community Bank HQ.

Counting the Costs of Christmas

Christmas is undoubtedly one of the most joyous times of the year, but for some families, the pressure of buying presents, hosting families, and serving up delicious feasts can make the festive period a bit stressful. That’s where Northern Community Bank comes in.

At Northern Community Bank, we specialise in providing credit union Xmas loans for anyone who needs to borrow, including those who are receiving benefits. We understand how challenging it can be to apply for these types of loans.

Our assessments are based on affordability, not the type of income you receive. Plus, you can make loan repayments through standing orders or direct benefit payments, such as child benefit, universal credit, or tax credits.

Successfully applying for a credit union Xmas loan can make a huge difference to families. It allows you to spread the cost over a longer, more manageable period, which is perfect for those who like to get their Christmas shopping done early.

Why Northern Community Bank Is the Top Choice for Christmas Loans

Many of our account holders are eager to buy, wrap, and send off presents to Father Christmas as early as possible. So, applications for a credit union Xmas loan in September are no surprise to us at Northern Community Bank.

We offer both small and larger loans to suit everyone’s Christmas needs. Our £500 Family Loan and Saving Scheme is an excellent option for anyone needing a helping hand in the lead-up to the big day.

This scheme allows you to use part or all of your child benefit to make loan repayments and even save a bit for a rainy day. Any money left over can be transferred back to you on the same day it’s received. Unless of course you prefer to use one of our other fantastic savings accounts, like our Christmas Club account. And there are no early payment penalty fees, so you can pay off your loan as soon as you want and start saving for next Christmas.

You can complete a simple online application or chat to us over our secure mobile app about a credit union Xmas loan. We may not have the decorations up just yet, but they’ll be coming out soon. We’re here to make your Christmas season merrier and stress-free!

Northern Community Bank puts you in the driving seat for competitive car loan rates

11:11 am Leave a Comment

If trying to find the best car loan rates is driving you up the wall, you’ve arrived at the perfect destination. Having a car is one of life’s great luxuries. Finding a new (or used) one, unfortunately, can be one of life’s great stresses. There are numerous signs that your vehicle may be reaching the end of the road. Has it started breaking down all the time? Does it no longer meet emission standards? Are you now dreading every journey?

It may be that your current chariot is just no longer suitable for you and your family’s needs. Or maybe you’re expecting the worst at an upcoming MOT, and you want to see what else is out there. Whatever your reason for wanting to take a trip to the motor market, one of the biggest speed bumps you’re likely to encounter is car loan rates.

Don’t get lost looking for the best car loan rates

When on the hunt for a new car, it’s highly probable the first stop on your journey will be a dealership. Car finance through a dealer typically starts at 12.9% Representative APR, which is more than we would charge for a loan in excess of £3,000.

The word ‘representative’ means that the rate in question only has to be offered to 51% of applicants. With Northern Community Bank, the rate we quote you is the rate you pay, every time. Also, what you see is what you get with Northern Community Bank, meaning no hidden set-up fees, or early settlement penalties. There’s no looming balloon settlement hanging over your finance agreement, either just straightforward payments tailored to suit your financial circumstances.

On top of all this, Northern Community Bank interest is calculated on a decreasing balance. The more you pay off, and the quicker you pay it off, the less interest you will pay.

Ride off into the sunset with Northern Community Bank

When it comes to car loan rates, Northern Community Bank is the perfect passenger. We’re happy to let you take the wheel of your finance journey, but we’re right by your side if you need any help or guidance. By all means, shop around, speak to car dealerships, or other lenders – but before you press down on the decision accelerator, come and speak to us.

At Northern Community Bank, we offer car loans up to £15,000, so you can look at buying your new or used car outright. Our loan decisions are made quickly, usually within 48 hours. Our decisions are made by real people too, not computers. This means we are able to carefully assess each applicant’s situation, and focus on affordability.

As a not-for-profit financial cooperative, we’re not driven by sales or commission. Instead, it’s our account holders who are the driving force behind everything we do.

Speak to one of our staff today – 01282 691333 – and we’ll have you gearing up for a new car in no time at all

10 reasons why community bank loans are a fantastic finance option

10:49 am Leave a Comment

There’s nothing we love talking about more at Northern Community Bank HQ than community bank loans.

So much so that we decided to jot down 10 reasons why we believe they’re a fantastic option for anybody who needs a little helping hand financially.

History.

For 40 years, we’ve helped hundreds of account holders borrow to pay for life’s big expenses. Whether it be moving home, going on holiday or a birthday/wedding celebration, we’re with you every step of the way.
Competitive interest rates.

Are community bank loans cheaper than high-cost credit lenders? Yes. Do community bank loans offer highly competitive interest rates in comparison to mainstream banks and building societies? Yes. Our rates sit between 12.7% APR and 42.6% APR and are paid on a decreasing balance – so the interest is always reducing. Borrow £500 through our family loan and saving scheme over 12 months at 42.6% APR, and you’ll pay back just £96.92 in interest.
Apply online.

You’re more than welcome to pop in and see us whenever you wish. However, we know face-to-face visits are not always possible. That’s why you can apply for community bank loans from the comfort of your own home. Apply online, decision online, sign online; it’s as simple as that.
Quick turnaround.

A broken-down car. A boiler on the blink. An unexpected bill coming through the letter box. Sometimes we need money fast. And sometimes payday can’t come fast enough. As long as you provide us with the relevant information, we aim to have a decision for you within 48 hours.
Repayments tailored to suit you.

Our decisions are made by real people, not computers. By carefully assessing each applicant’s personal circumstances, we are able to make loan decisions based on affordability (not just a credit score), allowing for repayments to be spread out over a manageable period.
Save as you borrow.

A loan shouldn’t last forever, and at Northern Community Bank, we are committed to helping our account holders build for the future. If approved for a community bank loan, you will start to save alongside making your loan repayments, helping you build up a pot of money for a rainy day.
Our mobile app.

All Northern Community Bank account holders have access to both our secure mobile app and ‘Online Account’ area where you can check balances, request withdrawals and apply for loans.
No strings attached.

With community bank loans, what you see is what you get. No fancy sales speak, no hidden charges, no early settlement fees. Unlike other lenders, the interest rate you see advertised with us is the interest rate you will pay.
Community comes first.

We take great pride in helping our account holders provide a better future not just for themselves, but their families, their children and their grandchildren. At Northern Community Bank We remove the barriers of traditional banking, no confusing jargon, no hidden fees, just smart, straightforward financial services that empower people to take control of their money.
Nothing is too much trouble.

Our friendly, knowledgeable, helpful staff are at the heart of everything we do. Whether you want to enquire about community bank loans, or ask us another finance-related question, we are here to ensure your experience is as stress-free as possible.

Grime Music Video Shines Light on Community Banks

September 11, 2023 7:42 pm Leave a Comment

It’s no secret that times are tough for many young people in the UK. The cost of living is soaring, and securing credit has become increasingly challenging. As a result, some are forced to turn to less-than-savoury sources for financial help. A brand-new grime music video from Stop Loan sharks has been released, and it’s here to guide our young people away from the pitfalls of debt and loan sharks. Instead, it puts the spotlight on the amazing work of credit unions, revealing them as a safe and sustainable way to borrow and save.

The video tells the tale of Amy, a young woman who found herself in a financial difficulty after a rough breakup. But, thanks to a credit union, she managed to break free from the debt cycle and regain control of her financial life.

The head of IMLT, Tony Quigley, which investigates and prosecutes illegal lenders, is well aware of the financial struggles our young people face today, especially with online loan sharks. They might start off friendly, offering to take payments for online purchases. Then in the next breath, they’re offering high-interest loans and using intimidation tactics to get their money back.

But here’s the good bit: credit unions are the heroes in this story. They offer a safe and reliable way to borrow and save money. And this video? It’s a megaphone shouting this message loud and clear to our young people, steering them away from those illegal lenders and towards financial safety.

Theo Thompson, the content creation strategist at Nourish Social, knows this video is more than just a project; it’s a mission. It’s about changing perceptions and showing young people that credit unions offer promising financial pathways.

Robert Kelly, the CEO of ABCUL, adds that credit unions are changing with the times. Many are going digital, offering on-demand customer service, and attracting younger members. They provide a safety net for fair, affordable credit and help build financial resilience through savings, no matter how small.

In case you’re wondering, a credit union is like a financial co-op that offers savings, affordable loans, and various services to its members. The best part? It’s owned and run by the members themselves, so there’s no profit-driven agenda. The stats back it up too. There are 246 credit unions across England, Scotland, and Wales, with over 1.44 million members. Membership is on the rise, and loans and deposits are following suit. Between 2014 and 2022, the sector saw impressive growth.

A concerning fact from a recent Financial Lives survey found that 68% of 18 to 24-year-olds stopped saving or investing in the first half of 2023. Additionally, 19% of young adults had their financial services or products refused, compared to 15% of all UK adults.
Around 1.08 million people in the UK are still borrowing from loan sharks. That’s where the IMLT comes in, having supported over 31,000 people and written off over £91 million of illegal debt. They’ve also secured more than 410 prosecutions for illegal money lending.

So, if you’ve been affected by illegal money lending or know someone who has, don’t hesitate to reach out. You can call the Stop Loan Sharks 24/7 Helpline at 0300 555 2222 or access support online at www.stoploansharks.co.uk. Live Chat is even available on the website from 9 am to 5 pm, Monday to Friday.

Let’s spread the word, and help our young people find a safer, more secure financial path. It’s time to say goodbye to loan sharks and hello to credit unions.

You can watch the video in full here:

Discover how Northern Community Bank makes school uniform shopping easier and affordable

August 31, 2023 11:40 am Leave a Comment

As we reach the end of the summer break, thoughts of school uniform deals will now be on the top of your mind. We get it – you were likely to be focused on enjoying a well-deserved family holiday or days out with the kids. But now those ‘Back to School’ days are looming ahead.

Let’s talk about the numbers. School uniforms can be a budget challenge, especially after a summer of adventures. It’s not just about new blazers and shoes – there’s a whole list of expenses like calculators, sports gear, and even musical instruments.
In fact, a recent study by The Children’s Society found that parents with kids in state schools spent an average of £422 per year on secondary school uniforms and £287 for primary school uniforms. These figures are well above what parents think is reasonable and is often driven by the requirements on branded items.

There are local assistance programs like those offered by Lancashire County Council and Cumbria County Council. And websites like Money Saving Expert can help you find affordable options. But even the best deals can still hit your wallet hard all at once.

Here’s where Northern Community Bank steps in to save the day – and your wallet.

Last year, we helped over 900 families ease the financial burden of school uniforms with our affordable loan options. We understand that these costs often hit all at once, and we’re here to help you be ready.
Our Family Loan & Saving Scheme is a game-changer. No credit check is needed; we simply assess your affordability and structure repayments using your child benefit. It’s tailored to fit your financial situation, so you can breathe easy.

Already have a Family Loan with us?

You might be eligible for a top-up – an increase in your loan balance. Plus, we encourage you to save alongside repaying your loan, creating a handy fund for next year’s uniforms.

So, while you’re enjoying summer’s bliss or let’s be honest tearing your hair out and counting down the days until the school gates reopen, keep Northern Community Bank in mind for stress-free school uniform shopping. We’re here to make sure you’re fully equipped to seize the best deals when they come your way. Learn more about our Family Loan & Saving Scheme and take the worry out of school uniform season.

Northern Community Bank’s small loans for bad credit help build a brighter future

August 24, 2023 1:10 pm Leave a Comment

Small loans for bad credit are a brilliant option for people with low credit scores.
Choose the wrong lender, though, and you could end up with big problems down the road.
Financial hiccups are part and parcel of life. Car repairs. A birthday celebration. A spot of decorating. Replacing a kitchen appliance that’s on the brink.
Drinking water upside down isn’t going to solve these hiccups, but a small loan might.
The kind of small loans we’re talking about are similar to those that you often see advertised by payday or high interest lenders. It might be for £500 – just enough to get you through the month before your next wage lands.
While taking out a £500 loan shouldn’t ordinarily be a problem. However if you have bad credit, it can make things a little trickier.
This is the reason a lot of people find themselves in the clutches of payday lenders, where cash is often easier to access, but the financial pitfalls are far more difficult to escape.
Here, high rates of interest coupled with extortionate late fees can leave people trapped in a cycle of debt.

Why Northern Community Bank’s small loans for bad credit are the smart choice

At Northern Community Bank, we firmly believe a person’s credit score should not define them. Or prevent them from getting access to money they may desperately need.
With some lenders, the moment a low credit score is flagged on the system, that particular loan application is as good as finished.
We look at much more than a credit score. We look at your affordability for a loan – what income you’ve coming in and what bills you have to pay out for. That way, we are able to tailor repayments accordingly.
Also, the interest rate that you see advertised will be the rate applied to everyone who borrows money, rather than simply being a headline figure designed to attract custom.
On top of this, we guarantee that there will be no extra charges, fees or penalties hidden in the small print when you take out one of our small loans.

3 ways Northern Community Bank can help you build a better credit history

While we’re more than happy dealing with small loans for bad credit, we want to see all our account holders’ credit ratings on the up.
Here are just some of the ways taking out a loan with Northern Community Bank can help do just that.
1. We can improve your credit history by reporting repayments made back to the credit reference agency.
2. We help account holders stick to a saving or loan repayment schedule – meaning we are more likely to re-lend again if you need it.
3. Instead of trapping you in a cycle of debt, we introduce a habit of saving. All account holders are required to regularly save alongside making loan repayments through our ‘Save as you Borrow’ scheme. Borrowing less shows you are managing your credit better.
If you have any questions about small loans for bad credit, or you’d like to talk through any other financial queries you may have, don’t hesitate to contact us today.

Simple fast loans done the right way

11:16 am Leave a Comment

When you see an advertisement for ‘simple fast loans’ you’d be forgiven for thinking ‘What’s the catch?’
That’s because, more often than not, the lenders offering these simple fast loans are offering something that’s too good to be true.
Yes, the application process may be simple and fast, but the repayment journey it puts you on can be long, demanding, and very, very expensive.
At Northern Community Bank, we pride ourselves on providing the best possible service when it comes to simple fast loans – from the first step to the final repayment.

Simple fast loans up to £15,000

An out-of-the blue vet bill. The washing machine leaking all over the kitchen. A boiler emergency. Yet another trip to the garage.
Unexpected expenses come in all shapes and sizes. Fortunately, so do Northern Community Bank’s simple fast loans.
Loans of up to £15,000 are available to anyone within the community. And the whole process couldn’t be simpler. Apply online. Decision online. Sign online.
As for the fast. Once a decision has been made and this shouldn’t take longer than 48 hours as long as we have all the correct information, the money will be BACS to your account, usually within two hours.
Where Northern Community Bank is different to other lenders is that we go beyond simple and fast. We care about fair, and we know how important affordability is.
That’s why each application is assessed individually by a member of staff – not a computer. We look at a person’s income and expenditure, and only lend amounts we are confident you can afford to pay back.
And our secure app allows online loan applications to be completed and signed for from your phone, making it even easier to access simple fast loans.
The loan is only part of your Northern Community Bank journey though. All our account holders are required to regularly save alongside their repayments.
Helping to create better spending habits while also reducing the need to borrow, it means you’ll also have a nice little nest egg for years to come.

Can I speak to someone about Northern Community Bank’s simple fast loans?

You can email us, ring us, come into one of our branches.
The way we see it is that simple fast loans (that are fair and affordable) are all good and well, but without support and guidance, the process can be intimidating and unsettling.
Our friendly, knowledgeable, and professional staff are with you every step of the way. No smoke and mirrors, just honest, transparent advice whenever you need it.
Nothing means more to us than our account holders. And the communities we all live and work in.
As a not-for-profit organisation, any profits we do make are used to help regenerate the local area, while making sure we’re able to provide exactly what our account holders need.

School uniform shopping is easier and affordable with Northern Community Bank

August 1, 2023 10:20 am Leave a Comment

We have supported over 600 families with £200,000 in the school holidays to buy essential school uniform items.

As we approach the end of the summer break, thoughts of school uniform expenses might now be on your mind. We understand that you were likely focused on enjoying a well-deserved family holiday or spending quality time with your kids. But now, those ‘Back to School’ days are just around the corner.

Let’s discuss the financial aspect. Getting your kids for school can be a budget challenge, especially after a summer filled with adventures. It’s not only about buying new clothing and shoes; there’s a whole list of outgoings to consider when school uniform shopping, including calculators, sports equipment, and even musical instruments.

In fact, a recent study by The Children’s Society revealed that parents with children in state schools spent an average of £422 annually on secondary school uniforms and £287 for primary school uniforms. These costs often exceed what parents consider reasonable, largely due to the necessity for branded items.

Fortunately, there are local assistance programs available, such as those offered by Lancashire County Council and Cumbria County Council. Additionally, websites like Money Saving Expert can assist you in finding cost-effective alternatives. Nevertheless, even with the best deals, these expenses can still put a strain on your finances.

This is where Northern Community Bank can help.

Our Family Loan & Saving Scheme is a game-changer. No credit check is needed; we simply assess your affordability and structure repayments using your child benefit. It’s tailored to fit your financial situation, so you can breathe easy.

Already have a Family Loan with us? You might be eligible for a top-up – an increase in your loan balance. Plus, we encourage you to save alongside repaying your loan, creating a handy fund for next year’s uniforms.

You know where you stand with a Northern Community Bank low APR loan

July 25, 2023 10:59 am Leave a Comment

How often have you seen lenders advertising a ‘low APR loan’ only for you to be left feeling even lower when you read the fine print?
‘Headline rates’ are often used to lure potential applicants in, but when dealing with unscrupulous high-street lenders, they rarely tell the full story.
You may have heard the term ‘representative APR’. APR – or annual percentage rate – is the total cost to borrow money. It takes into account interest rates, as well as other fees associated with the loan.
A ‘representative’ rate is the rate that at least 51% of people can expect to be offered. What the words ‘representative’ and ‘low APR loan’ won’t reveal on first inspection is that almost half the people (49%) who are approved for the loan or credit may not be eligible for the advertised rate. This then means a higher interest rate and larger repayments.
Remember, if something seems too good to be true, it probably is. Unless of course we’re talking about a low APR loan with Northern Community Bank. Because what you see is what you get with Northern Community Bank.

How is Northern Community Bank able to offer such a low APR loan?

Well, firstly, we care! Our account holders aren’t just numbers on a spreadsheet to us. Unlike with some lenders; our account holders are part of the Northern Community Bank family.
Northern Community Bank is an ethical lender, with no outside shareholders’ pockets to line.
When we’re looking at interest rates and calculating repayment plans, the only thing we’re concerned with is whether you’re getting the best deal.
Banks are about profits; Northern Community Bank is about people. Any money we do make goes straight back into the community where you, your family, and your friends, are able to benefit from it.
Community banks can actually only charge a maximum of 42.6% APR. However, with Northern Community Bank, the higher the loan value, the lower the APR will be. And with loans ranging from £150 to £15,000, that can make a big difference.
And remember, with Northern Community Bank, the rate we quote you is the rate you pay, every single time.

Will bad credit harm my chances of getting a low APR loan?

Bad credit doesn’t have to mean bad news when it comes to getting a low APR loan.
Northern Community Bank understands that people’s finances are rarely black and white. That’s why all applications are assessed by highly trained members of staff, not unsympathetic, number-crunching computers.
We look beyond credit scores. We talk to people about how they have addressed their past borrowing; we look at income and expenditure and go over the best loan options available.
Once we have all the information we need, we will look to make a decision within two working days.
If you have any questions concerning low APR loans, don’t hesitate to contact our friendly and knowledgeable team, who will be more than happy to help.

Online loan or face-to-face advice – Northern Community Bank caters for everyone

July 21, 2023 11:08 am Leave a Comment

A few years ago, ‘What is an online loan?‘ was a question we regularly heard at Northern Community Bank HQ.
That – like so many other things – changed markedly during (and since) the pandemic.
As people’s habits shifted in order to reduce the spread of the virus – working from home, shopping online, travelling locally, socialising less, the way we communicated became a lot more digitally focussed.
For Northern Community Bank, we always want what is best for our account holders.
Although we love seeing people in branch, we believe the online loan options we provide allow account holders to interact with the credit union in the most comfortable way possible.
And comfort should be at the forefront of any lenders’ mind. Applying for a loan can be a stressful, anxiety-inducing experience, even for those who are generally cool, calm and collected.
Our aim is to make the whole online application process as stress-free as possible. Here’s how:

How easy is it to apply for an online loan at Northern Community Bank

As easy as 1, 2, 3.
1. Apply online. 2. Decision online. 3. Sign online.
Being able to apply for an online loan from the comfort of your own home, gives you time to pull together any answers or information you may need. The entire process from start to finish, can be completed either through our secure App or Online Accounts Area. In fact, the only time you’ll need to leave the sofa is when you get up to go and make a cuppa.
Need to provide bank statements? No problem. The Open Banking system is safe and straightforward, or if you wish, you can send securely through the secure App.
Once we have all the relevant documentation, you can expect a decision within 48 working hours. Ease as well as speed.

How much can I borrow with a Northern Community Bank online loan?

Reasons for needing a little cash boost come in all shapes and sizes.
Trips abroad: the summer holidays are here. Days out with children: the school holidays are here. New school uniforms: the school holidays will soon be over.
Northern Community Bank provides both small and larger loans from £150 to £15,000.
Our popular £500 Family Loan & Saving Scheme even allows you to borrow and use your child benefit to make the repayments and saving deposits. We also assess affordability with no credit check.
And while technology continues to advance at a terrifying rate, with new fangled digital tools at everyone’s disposal, our loan decisions are still made by real people, not computers.
This means we are able to carefully assess each applicant’s situation, focus on affordability, and tailor repayments sensibly.
Northern Community Bank will never stop planning for the future. But with a reputation built on 40 years of devoted community service, we’ll never abandon our traditions either.

United Utilities support for customers struggling with water bills

July 11, 2023 8:57 am Leave a Comment

Northern Community Bank recently sat down with the team from United Utilities to find out about the industry leading support schemes offered to customers who are struggling with their water bills.

United Utilities are currently supporting, through a variety of schemes, 200,000 customers across the North West

The increase in energy bills and cost of living means we’re all feeling the pinch. We know it’s a difficult time and we really don’t want you to worry about your water bill. Please get in touch if you’re having payment difficulties so that we’re aware of this and can provide the right support.

The United Utilities team walked us through 7 schemes designed to support customers struggling with their water bills

Lowest Affordable Water Bill

WaterSure and WaterSure Plus

If you have a water meter and receive benefits, and use a lot of water due to ill health or having a large family, the WaterSure and WaterSure Plus scheme caps your annual bill, regardless of how much water you use
It’s pretty simple really. If you have a water meter, receive benefits and have a good reason for using lots of water – such as three or more children living at home or a medical condition – you may well qualify

Find out more

Back on Track

If you’re finding it difficult to pay your bill and you’re either receiving benefits or on a low income following a recent change in financial circumstances, United Utilities may be able to help
The scheme is suitable for customers either receiving benefits, or on a low income and finding it difficult to pay their bill following a recent change in financial circumstances (such as redundancy or a reduction in current income)

Find out more

Low Income Water Discount

Support for customers with low household incomes
A new social tariff that provides a fixed annual bill discount for qualifying low-income households. Criteria does apply and includes being in Social housing and receiving benefits including support with rent.

Find out more

Help to Pay

The Help to Pay scheme provides a bill discount for low income pensioners receiving Pension Credit
Customers accepted on to the scheme will have their annual charges capped at a lower amount. The amount you pay will depend on whether you live alone or with other adults at the same address who also receive Pension Credit

Find out more

Help With Arrears

United Utilities Trust Fund

Through the United Utilities Trust Fund – If you’re in real financial hardship, you could qualify for a one off payment to help clear your debts and start a fresh

Find out more

Payment Matching

If you need debt support, the Payment Matching scheme means that for every £1 you pay, they’ll match it with £1 too, with the contribution increasing to £2 if you continue to make payments until your debt is cleared

Find out more

Short Term United Utilities Support

Payment Break

If you’re struggling with your bill due to losing your job or having to pay out for an unexpected household emergency, the Payment Break scheme can help by delaying your payments for an agreed period of time

Find out more

The United Utilities team stresssed

“Remember, if you’re struggling with your water bill payments please complete our form – we’re already helping more than 200,000 customers with their water bills.”

Eligibility Checker

Cheaper With a United Utilities Meter Scheme

The Unities Utilities team also highlighted a scheme where their water meter could save you money.

“First, find out from your water bill how much you currently pay each year. Next, let us know how many people live in your household. We’ll then give you an idea of how much you can save each year with a water meter.”

The team explained that, their lowest bill guarantee means you won’t be worse off during your two year trial and if you don’t make a saving you can switch back to your fixed bill – “you can’t lose!“

The team made it clear that

“The calculator found on the website is suitable for customers who pay for water and wastewater services which is the majority of our customers. For the small number of customers who only pay for water services (for example, you have a septic tank which collects your wastewater) we can still work out your saving, please call us on 0345 672 2999.”

Find out more

Friend or family member struggling with their United Utilities bills?

Maybe it is not you sturggling but you have a friend or member of the family who is having difficulties paying their water bills? The United Utilities helpline can provide you with lots of information on the financial support which is available.

Please call 0800 107 8862, available 8am – 8pm Monday to Friday and 8am – 4pm on Saturday.

Beat the Heat: Tips and Advice for Staying Cool During Heatwave

June 8, 2023 10:01 am Leave a Comment

The UK is known for its unpredictable weather, but when a heatwave strikes, it can catch many of us off guard. With rising temperatures becoming more frequent, it’s important to be prepared and equipped to stay cool and comfortable during these scorching summer days. In this blog post, we will explore some practical tips and advice to help you beat the heat and stay cool through a heatwave.

Stay Hydrated:

As the mercury rises, it’s crucial to stay hydrated throughout the day. Drink plenty of water, even if you don’t feel thirsty. Go for cool beverages such as iced water, herbal iced teas, or fruit-infused water for a refreshing twist. Avoid excessive consumption of caffeine and alcohol, as they can dehydrate your body.
Create a Cooling Oasis at Home:

Ensure your home remains a cool haven during a heatwave. Keep curtains and blinds closed during the day to block out direct sunlight. Open windows during cooler mornings and evenings to allow fresh air circulation. Use fans, air conditioners, or portable evaporative coolers to bring down the indoor temperature.
Dress Appropriately:

Choose lightweight, loose-fitting clothing made from breathable fabrics like cotton and linen. Light-coloured clothes reflect sunlight, helping you stay cooler. Wearing a wide-brimmed hat and sunglasses can provide additional protection from the sun’s rays when you’re outdoors.
Stay Out of the Sun:

During the hottest parts of the day, typically between 11 a.m. and 3 p.m., avoid unnecessary sun exposure. If you need to be outside, seek shade under trees or use a sun umbrella. Plan outdoor activities in the morning or evening when temperatures are milder.
Cool Down with Cold Treats:

Indulge in icy treats to beat the heat. Enjoy homemade ice lolly’s, ice cream, or frozen fruit. Chilled fruits like watermelon, cucumber, and grapes can also provide a hydrating and refreshing snack. Avoid heavy and hot meals; instead, go for light, cold salads, or sandwiches.
Create a Cross-Breeze:

Create a cross-breeze in your home by strategically placing fans. Position one fan near a window to draw in cooler air from outside and another fan facing outwards to expel hot air. This simple technique can help create a more comfortable environment indoors.
Use Cold Compresses:

To cool down quickly, apply a cold compress or damp cloth to your pulse points, such as your neck, wrists, or temples. You can also run your wrists under cold water or use a spray bottle to mist your face with cool water for instant relief.
Stay Active Wisely:

Avoid strenuous outdoor activities during peak heat times. If you want to exercise, choose early morning or late evening hours when temperatures are cooler. Choose indoor activities like yoga or swimming to keep active without exposing yourself to excessive heat.
Take Cool Showers:

Cool showers or baths can provide immediate relief from the heat. Lowering your body temperature through a quick splash or a relaxing shower can help you feel refreshed and invigorated during a heatwave.
Look out for Others:

Stay connected with family, friends, and neighbours, especially the elderly and those who are more vulnerable to heat-related issues. Offer assistance and check-in on their well-being during hot spells.

A heatwave can be challenging, but with the right tips and advice, you can stay cool and comfortable throughout. Prioritise staying hydrated, create a cool environment at home, dress appropriately, and make the most of cold treats and techniques to beat the heat. Stay cool and make the most of the summer while it lasts!

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