January could be viewed as a month of new beginnings; many people jump on the New Year’s Resolutions bandwagon of healthy eating, going to the gym, booking that Instagram-worthy trip to meet Mickey Mouse and his gang, Dry January and lots of other things.

However, the problem with New Year’s Resolutions is that they seem almost made to be broken. We start with good intentions, only for our busy schedules to take over. It seems, then, that the key to change is to change our habits, rather than making ceremonial resolutions.

For many people, the month of January is a struggle, often as a result of overspending at Christmas. Just this last year it was reported that a huge 7.9 million people (approximately 16% of Britons) said that they were likely to fall behind with their finances in the month of January because of the costs associated with Christmas.

At Highland Communities Credit Union, we want people to get the most out of their finances, and we would strongly encourage you to set yourself the goal of further building and developing your saving habits. That is why we offer everyone in the Highland region the opportunity to become a member of our Credit Union, so that they may save, borrow and budget with an ethical, not-for-profit organisation that is run by its members, for its members. For further information on what Credit Unions are and how they work, please visit www.creditunions.scot.

Saving with us is simple and flexible – we offer pay-ins through our collection points, standing order, payroll deduction, or online. As a member, you decide when and how much you want to pay in to your shares, but be sure to do so as regularly as you can. We want you to build the habit of saving, a habit that will benefit you for life. Therefore, should an unexpected emergency arise, you have a buffer in place with the added advantage of being able to take out a competitively low-interest loan with the Credit Union. To find out more about our services, drop into our office at An Drochaid, Claggan, visit our website at www.highlandcommunitiescu.org.uk or telephone us on 01397 700746. For further financial help and money saving tips, please visit www.citizensadvice.org.uk or www.moneysavingexpert.com.


Little, S. (2018). Millions of Britons start 2018 with huge Christmas debt. Available: https://www.independent.co.uk/news/business/news/christmas-spending-debts-credit-card-payments-loan-british-people-britons-household-incomes-a8138251.htm. Last accessed 21st November 2018.