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Tag Archive: #money

  1. Regaining Control of Your Finances After Christmas.

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    Regaining Control of Your Finances After Christmas.

    Christmas and New Year are special times, all about family, celebration and creating memories. However, they can also take a toll on our finances and if you’re currently too scared to check your bank balance, you’re not alone.

    The important thing now isn’t to feel guilty – it’s to take back control of your money. Here are some tips on how to do so.

    Take stock without panic.

    The first step is understanding where you stand. List what you owe, what money’s coming in and what needs to go out each month. Seeing everything clearly can feel uncomfortable at first, but it quickly becomes empowering. Once you know the full picture, you can make informed decisions rather than reacting to financial pressure.

    If you’ve used credit cards, overdrafts or buy-now-pay-later options over Christmas, it’s worth checking the interest rates and repayment terms. High-interest borrowing can quickly spiral if left unchecked, making it harder to get back on track.

    Avoid high-risk borrowing.

    When money is tight, it can be tempting to look for a fast solution, like doorstep lenders or even loan sharks. However, short-term, high-cost loans often make problems worse rather than better, locking you into expensive repayments and adding stress at a time when you’re already feeling stretched.

    That’s why it’s so important to choose a lender that puts your wellbeing first.

    A safer way forward with LCU.

    LCU exists to support local people, not to profit from financial difficulty. As a not-for-profit, member-owned organisation, everything we do is focused on helping our members manage their money responsibly and confidently.

    If Christmas spending has left you juggling debts or struggling to keep up, one of our affordable, transparent and manageable loans could help you regain control.

    Because we take the time to understand your circumstances, repayments are set at a level that works for you. There are no hidden fees, no pressure and no judgement, just clear, fair lending designed to support families.

    Remember – You’re not alone.

    If you’re worried about money after the festive period, help is available. LCU is part of your local community, offering affordable loans and access to a range of savings accounts, all designed to help you move beyond Christmas overspending and back into financial control.

  2. Leeds’ Best Christmas Activities 2025!

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    Leeds’ Best Christmas Activities 2025!

    The holiday season is here, and Leeds is buzzing with festive cheer and family-friendly events to make your Christmas and New Year’s unforgettable. Whether you’re looking for Santa, a good panto or outdoor adventures, there’s something for everyone. 

    Here are our top three Christmas activities for 2025!

    Christmas at Temple Newsam.

    Step into the magic of Christmas with a visit to Father Christmas at Temple Newsam. Share your festive wishes with him and receive a special gift, then head off to explore the brand-new Christmas tree trail set around the grounds.

    Afterwards, enjoy a cosy festive story time with Mrs Claus as she brings seasonal tales to life in the beautiful surroundings of Temple Newsam. There’s also the chance to explore the stunningly decorated house on a guided tour, along with a range of other Christmas events to make your visit truly memorable.

    You can celebrate Christmas at Temple Newsam up until Sunday, January 4th.

    Temple Newsam, Temple Newsam Road, Leeds. LS15 0AE.

    Ice Cube.

    Ready to glide into the festive season on Millennium Square? Then lace up your skates, because Ice Cube is back by popular demand this winter!

    This impressive 400-square-metre ice rink sits right in the heart of the city, complete with a transparent roof so you can skate beneath the sparkling Christmas lights. The rink is open daily for public skating, and at weekends the popular Penguin Club offers children a fun and safe way to learn the basics on the ice.

    The Ice Cube is open until Wednesday, December 31st.

    Millennium Square, Calverley Street, Leeds. LS2 3AD.

    Sleeping Beauty.

    Step into the magical world of Sleeping Beauty this Christmas as the much-loved pantomime returns to the stage. Featuring dazzling sets, stunning costumes, catchy songs and plenty of audience participation, it’s the perfect festive treat for the whole family and not to be missed.

    Sleeping Beauty is on at The Carriageworks Theatre until Sunday, January 4th, with tickets available from just £16!

    Carriageworks Theatre, The Electric Press, 3 Millennium Square, Leeds. LS2 3AD.

    Stay in control of your finances this Christmas!

    However you decide to spend the festive period, we can help make it more affordable with one of our Christmas Loans. For more information and to see how much you could borrow, click here.

    From all of us at Leeds Credit Union, we wish you a happy, healthy and prosperous holiday season!

  3. Lowering Your Heating Bill This Winter.

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    Lowering Your Heating Bill This Winter.

    With winter just around the corner and the UK already experiencing a cold snap in some areas, we’re approaching the time of year when maintaining a warm home becomes essential for our health and wellbeing.

    But with the price of energy still high, what can people do to lower their heating bills? We take a look.

    Turn down your boiler’s flow temperature.

    The temperature of the water that leaves your boiler to go to your radiators is called the boiler’s flow temperature. If it’s set too high, the boiler will run inefficiently, costing you extra money but if it’s set correctly, you could save between 8 and 12 percent on your gas bills.

    To ensure this happens, turn it down to either 65 degrees for a conventional boiler with hot water cylinder, or 60 degrees if you have a combi boiler with no hot water cylinder. There is a certain amount of trial and error involved with reducing your boiler’s flow temperature as you may find the new setting is too cold, so be prepared that you’ll probably need to adjust the temperature more than once until you find the right temperature for your home.

    Whatever you do, however, the Energy Saving Trust recommends you NEVER set your conventional boiler with hot water cylinder to less than 65 degrees or you run the risk of legionella bacteria growing in the cylinder.

    For more information and advice on how to change your boiler’s flow temperature, click here.

    Eliminate draughts.

    One of the simplest ways to conserve heat is by blocking gaps that allow cold air into your home. Draught-proofing around your doors and windows could save you approximately £60 a year.

    Trap heat.

    Heat can escape from your home in pretty much every direction so do whatever you can to block off its routes!

    Installing double – or triple – glazing will reduce the rate at which your home loses heat and replacing single-glazed windows with A++ rated double glazing could save you around £235 a year.

    Similarly, insulating cavity walls will reduce heat loss and, consequently, heating bills, potentially saving as much as £500 over the year, while insulating your loft could stop more than 25% of your house’s heat escaping through the roof.

    Use your curtains wisely.

    Curtains help with heat retention by restricting air flow between warm and cold areas, preventing warm air from flowing out of your house. 

    Experts advise drawing your curtains at dusk to reduce heat loss by as much as 17%. As a general rule, the thicker the curtain the better the insulation.

    Check radiator settings.

    As tempting as it may be, turning all your radiators to full blast will only cost you money as any empty rooms are being warmed to nobody’s benefit. Instead, set radiator dials on a room-by-room basis, with living areas and bedrooms set to higher heats and spare rooms to lower – or even turned all the way down.

    Check the thermostat.

    Ensuring your heating only comes on when temperatures drop below a certain level – and go off again when the desired temperature has been reached – could save more than £150 per year. For many households, setting the thermostat to 18 degrees is the perfect way to keep properties warm but not too hot.

    Upgrade your boiler.

    Not the cheapest solution but worth it in the long term.

    If your boiler is an old D-rated model, replacing it with a new A-rated version will make your heating system significantly more efficient and could save the average household around £300 a year.

    Leeds Credit Union can help with rising costs.

    With loans from £250 to £25,000 available, as well as access to several effective savings accounts, we can help ensure the cost of your heating bill doesn’t cause you any sleepless nights. You can apply for one of our affordable loans here.

    In some cases, cost of living help is also available from the government. To find out if you’re eligible, click here.

  4. Dealing With Debt At Christmas.

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    Dealing With Debt At Christmas.

    As the cost of living crisis continues, the financial pressure facing many households in the UK feels like it’s increasing all the time, and that’s before you consider the added pressure of buying expensive Christmas presents for family and friends.

    With financial problems mounting and consumer confidence plummeting, it’s never been more important for people to keep a close eye on their debts, make sure they don’t increase significantly over Christmas and make sure they’re properly managed.

    One of the most effective ways of doing so is with a debt consolidation loan. But what exactly is one? Let’s find out.

    What is a debt consolidation loan?

    A debt consolidation loan is a type of loan that an individual takes out to pay off their existing debts. The individual uses the money from the debt consolidation loan to pay off the people or companies to whom they are in debt, then repays the loan in monthly instalments.

    Debt consolidation loans can be used to pay off different types of debt, such as credit cards, overdrafts, store cards or personal loans.

    What are the benefits of debt consolidation loans?

    Taking out a debt consolidation loan is an effective way of taking back control of your finances as it allows you to immediately pay off all your debts and leaves you responsible for just one repayment each month. 

    When you have several lenders to repay each month, it can be easy to forget to make a payment, especially if the repayments are for different amounts and due on different dates. Needless to say, this makes budgeting and general money management much more difficult.

    Because bigger loans often come with lower interest rates, debt consolidation loans can also lower your monthly repayment amount, reducing your outgoings. The repayments can also be spread over a period of time that is more suitable for you, which could potentially lower your monthly repayments too.

    Take control of your debt with a Leeds Credit Union loan.

    A cursory glance at almost any British news outlet will give you an indication of the financial difficulties people in the UK currently face. While this is naturally a cause for concern, it’s important to remember that financial help from reputable lenders is available to anyone who needs it.

    At Leeds Credit Union, we don’t charge any set-up fees for our debt consolidation loans, nor do we charge any penalties for early loan repayments. For more information or to apply for a loan, click here.

  5. The Autumn Budget 2025.

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    The Autumn Budget 2025.

    This week’s 2025 UK Budget announcement from Chancellor Rachel Reeves sets out several significant changes that will shape the financial landscape for households across the country. 

    As a community-focused credit union, we’re looking closely at what these measures mean for our members and how we can continue to support them in the months ahead. Here are the key developments:

    The controversial two-child benefit cap – which prevented parents from claiming universal credit or tax credits for more than their first two children – has been abolished, offering relief to many families with a move which is expected to lift around 450,000 children out of poverty. This is good news for our members with more than two children, as they will now benefit from increased financial support.

    Income tax thresholds will be frozen until the 2030-31 tax year, meaning more people will have to pay the tax for the first time, while others will need to pay a higher rate as wages rise. For our members in employment, this may mean they find themselves paying more tax than before, resulting in less expendable income, as rising wages move them into a higher tax bracket. And those who are drawing a pension may find they have to pay more tax on their income.

    There’ll be an increase of £440 per year for the basic state pension and an increase of £575 per year for the new state pension.

    A new £2,000 cap has been placed on the amount people can put into private pension pots through salary sacrifice schemes, before it incurs tax. From 2029, anything above the new £2,000 limit will incur national insurance contributions. 

    The annual cash Isa limit will be reduced from £20,000 to £12,000 to encourage more people to invest their money in stocks and shares instead. 

    Drivers of electric vehicles (EVs) will have to pay 3p for every mile they drive under a new tax which has been introduced to make up for falling revenues from fuel duty, as more motorists move towards EVs. A cut to fuel duty, on the other hand, will be extended to keep down the price of petrol at the pump. 

    The levy on ‘remote gaming’ – which includes online gambling – will increase from 21% to 40% next year to “reflect the levels of harm they inflict”.

    Rail fares have been frozen for a year – for the first time in 30 years – in a move that is expected to save millions of rail travellers hundreds of pounds off season tickets, peak and off-peak returns between major cities.

    The Motability scheme, which helps disabled people with the cost of a car, will meanwhile no longer offer “luxury vehicles”.

    At LCU, we believe we are ideally placed to help people plug any gaps in their finances caused by the Budget through our range of affordable loans and access to a variety of savings accounts, and we will continue to adapt our products and support services to ensure members can navigate these changes with confidence.

    We’ll continue to monitor developments and keep our community informed as further details emerge.

  6. How To Make The Most of Black Friday 2025.

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    How To Make The Most of Black Friday 2025.

    Taking place on the first Friday after Thanksgiving, Black Friday is an historically American event that used to mark the beginning of the Christmas shopping season and give high street retailers the opportunity to get their finances ‘out of the red and into the black’.

    These days, however, Black Friday takes place in countries all over the world, both in stores and online, and is one of the most eagerly anticipated days of the year among bargain hunters and shopaholics alike, with everything from clothes to homeware to brand new tech all available for less.

    And, in fact, it no longer takes place for just 24 hours, with many retailers offering deals over the entire week leading up to Black Friday itself (which, this year, takes place on Friday, November 28th) and often for another week afterwards, in celebration of Cyber Monday, Black Friday’s formerly online-only equivalent.

    What this all means is that the 2-weeks surrounding Black Friday represent a fantastic opportunity to save money on items you’ll be buying for your nearest and dearest for Christmas or for yourself as a treat.

    So what are the best ways to beat the crowds and make sure you pick up some bargains? Here are our top-tips.

    1. Do your research.

    Whatever you’re in the market for, do some investigating to find out the good from the bad before the sales begin. You’re better off paying slightly more for a good quality product than slightly less for something that will need replacing in six months.

    The same goes for brands too – familiarise yourself with the best and worst reviewed brands early and you’ll be able to tell the bargains from the ‘best avoided’ once the sales begin.

    1. Make a list.

    Both online and in shops, Black Friday is almost always busy, so make a shopping list of the things you want, as well as what everyone wants for Christmas, and keep it with you at all times. With multiple discounts and offers vying for your attention, having a list handy will keep you focussed.

    1. Know your price history.

    Similar to point #1 and especially important if you’re in the market for a specific item, knowing its pre-sale RRP will help you work out whether any sale prices represent good value for money or not. Checking to see if the product you’re after has been on sale recently and, if so, how much for is also worth considering.

    1. Make a list of retailers that sell the item you want.

    With the days around Black Friday being so busy, it’s not unusual for websites to crash due to heavy traffic or shops to sell out of certain products. If this happens while you’re trying to buy something, knowing which other stockists sell the item you want will give you a headstart on other shoppers and increase your chances of still landing that bargain.

    1. Set up online accounts now!

    By entering your billing and delivery details in advance, you’ll be able to complete any transactions and check out quickly and easily before the best sale items start disappearing online, giving you the upper hand if multiple shoppers are after the same items as you.

    1. Look at the price, not the saving.

    Some items spend more time on sale than they do at full price, so treat discounts with suspicion and never pay more than you’re willing to for something just because it offers a supposed ‘saving’.

    For example, if you have £50 set aside for an electrical item, don’t be tempted to spend £75 on it just because it’s reduced from £150 – there’s a fair chance it won’t actually have been on sale at full price since it first launched.

    1. Charge your phone before hitting the shops.

    In the era of smartphones, you can shop in two places at once so make sure your phone has as close to 100% battery before you head to the high street so you can really shop around. Then, when you’re browsing the aisles in Currys, you can compare prices against online retailers to ensure you get the best possible price.

    1. Sign up to newsletters.

    Most retailers have newsletters you can subscribe to for free and doing so in advance of Black Friday can be a shrewd idea as they might well offer you early access to deals or additional discounts on certain items.

    1. Monitor social media.

    As well as signing up for their newsletters, it’s a good idea to also follow your favourite retailers and brands on Facebook, Twitter and Instagram, as these are often the first places their offers are advertised.

    Happy shopping!

    It can be easy to overspend when big sales roll around and there are none bigger than Black Friday but so long as you stick to a budget you can afford, the coming weeks should offer plenty of opportunities to save money on items you’ll be buying in time for Christmas.

    If you need help paying for items in the run-up to Christmas, we offer small loans of £250 to our members and joining our credit union couldn’t be simpler – for more information, click here.

  7. How To Avoid Black Friday Scams.

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    How To Avoid Black Friday Scams.

    Taking place on Friday, November 28th, Black Friday is fast approaching, bringing with it the promise of early deals for budget-conscious shoppers gearing up for the festive season. Originating in the United States, this shopping phenomenon has now become a global tradition, drawing the participation of tens of thousands of brands and retailers across the UK. However, as the popularity of online shopping continues to rise, so does the risk of falling victim to internet scams. 

    Here’s our guide on how to safeguard yourself and your finances during this busy shopping period.

    Don’t fall for false tracking codes.

    A prevalent scam involves receiving false tracking codes via email, purportedly from a delivery company. Clicking on the link provided can lead to a fake website seeking personal and banking details or infecting your computer with malware.

    How to avoid.

    Use only the official app or tracking website provided by the retailer or delivery company. Be cautious of emails with alarming subject lines urging you to click on links for supposed delivery updates.

    Beware ‘Wrong Bank Details’ emails.

    Another common scam involves receiving an email from someone posing as an online retailer, claiming there’s an issue with a recent transaction and urging you to update your bank account details. These deceptive emails often contain links to fraudulent websites designed to capture your card and bank information. To protect yourself, always verify the legitimacy of such emails by contacting the retailer directly, avoiding assumptions even if the email displays the company logo.

    How to avoid.

    Exercise caution if a retailer urgently requests changes to your bank details, especially if it claims a risk of losing an order. When in doubt, contact the retailer directly.

    Verify discount codes and offers.

    Fraudsters may send fake discount codes or sales offers through text or email during the Black Friday frenzy. Shoppers, excited by the prospect of a bargain, might forget to verify the authenticity of the provided link.

    How to avoid.

    Always confirm the legitimacy of an offer or discount directly on the retailer’s official website.

    Beware of purchase scams.

    During Black Friday, scammers often advertise tech products at unbelievably low prices to attract buyers. Once the buyer makes a bank transfer, the criminals vanish without delivering the promised goods.

    How to avoid.

    Exercise caution with offers that seem too good to be true. Verify the legitimacy of the seller by checking customer reviews before making any payments.

    Guard against brute force attacks.

    Retailers frequently experience surges in ‘brute force attacks’, where scammers attempt to break into customer accounts by guessing login details. If a company notifies you of a password change that you didn’t initiate, contact them immediately to prevent potential unauthorised access. If your debit or credit card is linked to the compromised account, consider placing a temporary freeze on the card through your bank.

    How to avoid.

    Stay vigilant for unexpected password change notifications and promptly notify the company if it wasn’t initiated by you.

    Make the most of the Black Friday sales with Leeds Credit Union.

    Potential scams aside, most retailers take part in Black Friday these days, so the next couple of weeks should offer lots of opportunities for shoppers to get a headstart on their Christmas shopping while also saving a significant amount of money.

    If you need a hand covering the cost of the festive season, you can borrow between £250 and £25,000 with one of our affordable loans. Find out more here.

  8. Talk Money Week 2025.

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    Talk Money Week 2025.

    This week is Talk Money Week, an annual event designed to kickstart conversations about managing our finances and highlight the great work being done by credit unions, banks and other organisations that are helping people across the UK attain financial security.

    With the financial impact of the cost of living crisis still being felt by many households in the UK, this year’s Talk Money Week is of the utmost importance to ensure those at the greatest risk of financial hardship are aware that there is a light at the end of the tunnel and that help is available to them.

    Talk Money Week explained.

    Run by the Money and Pension Service (MaPS), Talk Money Week is for everybody and encourages partners, family, friends, colleagues, employees and more to have conversations about their money in an attempt to make the subject less taboo. 

    At present, money is one of the UK’s least favourite topics of discussion, with nine in 10 adults struggling to talk about money or avoiding the subject altogether. The hope is that, by discussing our personal finances more openly, we can all increase our financial and mental wellbeing. 

    Studies indicate that talking about money makes us feel better about it and helps us build healthier money habits, such as saving more regularly and making less risky financial decisions. In addition, talking about money reduces stress and anxiety and strengthens relationships. It also increases the likelihood that the person or people you discuss your finances with will do the same, allowing them to receive the same benefits.

    While talking about your finances with your partner, family and friends should be reasonably straightforward once you’ve broached the subject, discussing it with kids and colleagues is a different proposition. 

    Talking money with children.

    When it comes to kids, it’s never too early to start teaching them about money and helping them understand how to manage it effectively, building their confidence on the subject. 

    If you have kids that receive pocket money, letting them take responsibility for it will develop their financial skills and teach them about the cost of living and the importance of saving from an early age.

    Talking money at work.

    If you’re under financial pressure, talking about it with your colleagues or employer is a great way to start taking back control of your bottom line.

    As for employers, encouraging your employees to discuss their financial circumstances can help them take control of their financial situation and future, including their ability to adapt to and deal with unexpected hardship.

    How can Leeds Credit Union help?

    At Leeds Credit Union, we provide straightforward and affordable financial services to people in Leeds, Wakefield, Harrogate and Craven. We help our members take control of their savings with a range of services, such as loans, savings accounts, including one for children under the age of 18, and a money and budgeting service designed to help people create realistic budgets to ensure they can always pay their bills on time. This helps them achieve financial security now and in the future.

    But, as the name suggests, the most important thing about Talk Money Week is getting people to open up and talk about their money, whether they’re more concerned with their pension or their pocket money.

    We’re big fans of the annual event and would encourage all our members to come together and join the conversation. If you find it difficult to talk about money and would like some advice on starting a financial conversation, MaPS has created a series of guides which could help. There’s also our helpful MABS team who work in partnership with Housing Leeds, helping tenants who are struggling to budget their money and pay their bills.

  9. Building Financial Inclusion in Leeds: Turning the 17% into a Shared Opportunity.

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    Building Financial Inclusion in Leeds: Turning the 17% into a Shared Opportunity.

    Recent research shows that 17% of neighbourhoods in Leeds are among the most deprived in the UK, placing our city 51st out of 296 local authorities for deprivation. As CEO of Leeds Credit Union, this statistic is deeply concerning. Behind those numbers are households struggling to make ends meet, families worried about debt, and people who feel locked out of fair financial services.

    At Leeds Credit Union, we believe financial inclusion is one of the most powerful tools to break this cycle.

    Understanding the challenge.

    Deprivation is not only about income levels. It is about access and opportunity. In too many parts of Leeds, residents face barriers to affordable credit, a lack of access to financial advice, and limited confidence in managing their money.

    We see this every day: people relying on high-cost lenders, families living without savings, and young people entering adulthood without the financial knowledge they need. Financial exclusion can deepen deprivation, limiting choices and reducing resilience when life gets tough.

    What Leeds Credit Union is doing to help.

    As a community-based credit union, our mission has always been to make financial wellbeing possible for everyone in Leeds, regardless of postcode or income.

    We are taking action in three key areas:

    1. Expanding access to fair and affordable financial services.

       We continue to provide safe, ethical alternatives to high-cost credit, helping people borrow responsibly and build financial stability. We are increasing our presence in communities most affected by deprivation to ensure that fair finance is available where it is needed most.

    2. Building financial confidence through education.

       Financial literacy is essential to long-term wellbeing. We are working with local schools, employers, and community groups to deliver workshops, digital tools, and one-to-one support that help people budget, save, and plan for the future.

       Our goal is to make financial understanding a life skill, not a privilege.

    3. Supporting financial wellbeing as part of community health.

       Money worries are one of the biggest causes of stress and poor mental health. We are partnering with local organisations and health services to integrate financial wellbeing into broader support networks, because feeling secure with your money supports every other part of life.

    A collective effort.

    Financial inclusion is not something one organisation can solve alone. We are calling on local employers, schools, charities, and civic leaders to work with us to make Leeds a financially healthy city where everyone has the opportunity, knowledge, and confidence to manage their money and build their future.

    Leeds is a city with ambition, talent, and heart. But until financial exclusion is addressed, too many people will remain on the margins of that success. Together, we can change that.

    Let’s turn that 17% from a statistic into a starting point for action.

    Thank you.

    James Brown, CEO, Leeds Credit Union.

  10. Wakefield’s Best Half-term and Halloween Activities!

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    Wakefield’s Best Half-term and Halloween Activities!

    With the half-term holidays and Halloween both taking place next week, parents of school-age children may be scratching their heads trying to think of ways to entertain their little ones without breaking the bank.

    Luckily, Wakefield and the surrounding area is full of excellent attractions and family-friendly Halloween events, so we’ve picked out some of the best for your consideration. Read on to find out more!

    Pugneys Light Railway Halloween Spooktacular.

    On Friday 31st October and Saturday 1st November, Pugneys Light Railway is transforming into a haunted haven of thrills, chills and ghostly giggles, with train rides through the spooky nearby woods taking place! 

    Suitable for all ages, even the trains might scream!

    http://bit.ly/3JrxJSL

    Farmer Copley’s Pumpkin Festival.

    If you’re after some pumpkin picking family fun, head over to Farmer Copley’s – where more than 250,000 pumpkins across 40 varieties await!

    Enjoy tractor rides, live shows, archery, stories, the magical Mr Zen, Velcro the Scarecrow, fancy dress competitions with prizes and more!

    https://farmercopleys.co.uk/events/pumpkin-festival/

    Wakefield Exchange.

    Head over to the Wakefield Exchange (WX) events venue this half-term for its annual Halloween playground, a week of fun activities for all ages – some of which are absolutely free!

    From craft workshops and lively parties, to graveyard scenes, crazy golf, spooky discos, face painting and live music, there’s something for everyone!

    https://www.wxwakefield.co.uk/Whats-On/Details?event=halloween-at-wx

    However you choose to spend this half-term and Halloween, we hope you have a great time! And if you need an affordable small loan to help make your money go further, you can apply to borrow as little as £250 here!