Watch enough TV adverts and it’s easy to believe that Christmas shopping is all about strolling down quaint, snow covered high streets clutching brightly coloured parcels with a huge grin on your face. The truth of the matter, of course, is that Christmas shopping is often a highly stressful affair, and that’s just when you sit down and start to work out how much it’s going to cost you.
The fact that we all know when Christmas is going to take place should make it simpler to budget for, but somehow this is easier said than done. The truth of the matter is that, at a time when inflation is outstripping wages and many people are struggling to pay for the basics, putting something aside to cover the cost of Christmas shopping can often be all but impossible.
Even if you do manage to save a little, the demands, especially if you’ve got children, can often be difficult to meet. You may not be able to afford the gifts they’ve set their heart on, but explaining that to a five year old who still believes in Father Christmas is easier said than done. Even if you haven’t got children to provide for, Christmas can still stretch the purse strings, not least because, if you work hard all year then the least you can expect is a little bit of fun and indulgence on and around the 25th December.
The temptation can sometimes be to miss a couple of bill payments, or perhaps hold back on the rent for a week, telling yourself that you’ll be able to catch up in the New Year. Not only does this guarantee a pretty miserable January, but it’s also often the first stage of a gradual slide into debt which can quickly snowball out of control. The solution to this problem is to take out an affordable loan from Northern Community Bank to cover the cost of your Christmas shopping in return for regular repayments which you’ll find it easy to meet.
We can make that promise because we operate as a not for profit organisation. Any money we do make is ploughed back into the local community to benefit the lives of all our account holders, and not having to produce profits enables us to keep our interest rates lower than other lenders. As well as being affordable our loans are ethical – we’ll only lend you what you can afford to pay back, and we don’t bother with hidden charges or extra fees. The interest rate we quote is the rate which every single one of our account holders is going to be charged.
If that sounds like the solution to your Christmas shopping dilemma then get in touch with us today. All of our loan applications are handled on a personal, one to one basis. Provided you’ve given us all the information we’ve requested we’ll be able to give you an answer within two working days, or even on the day itself. Once we’ve approved a loan the money will be transferred to your account, leaving you free to actually enjoy your Christmas shopping, safe in the knowledge that you can easily afford every single penny.
