HAVING passed the halfway to Christmas mark, the Credit Unions of Wales are encouraging families to start saving now to put a stop to money worries during this year’s festive season. People in Wales are the second highest Christmas spenders in the UK, with the average Welsh household spending £596 on gifts each year. By setting aside £24 a week from this week on, families will be able to save their annual spend in advance of Christmas. This way they can avoid falling into debt and will only pay as much as they spend, rather than having to pay back interest on top of a loan to help them cover the cost. There are 21 credit unions in Wales and many of them offer special Christmas Saver accounts which ‘lock’ your monthly savings until November. This means you can only access your savings when it’s time for present shopping and won’t be tempted to spend them on something else before Christmas arrives. Several also offer incentives, such as a £10 bonus so people can start saving straight away or entering all account holders into a December prize draw. Many credit unions across Wales also offer low-interest Christmas loans which can be paid off within a year with small weekly payments. One example is Cardigan-based West Wales Credit Union which offers a £100 Christmas loan with weekly payments of £2.33 and a total repayment of £112.70. The Credit Unions of Wales have recently joined forces to participate in a Wales-wide marketing campaign to encourage more people to save, borrow or invest with their local credit union. Campaign spokesperson and General Manager of North Wales Credit Union, Barry Roberts, said: “Thousands of households across Wales struggle to balance their gift budgets with paying bills on time, but thankfully Christmas isn’t one of those unforeseen expenses such as a broken boiler or car repairs so you can prepare for it. “We’d always recommend saving in advance for such occasions so that you’ve already covered the cost before you incur it and by starting now you’ll be well ahead. “If you don’t manage to save everything you need in time, we also offer Christmas loans with much lower interest rates than payday lenders and we make sure you only borrow as much as you can afford. “With all of the sales on over the summer, it’s even worth thinking about taking out a loan now so that you can get your gifts at a better price and pay off the cost before Christmas arrives.” Credit unions are regulated by the same supervisory bodies as banks and customers’ savings are protected by the Financial Services Compensation Scheme, but credit unions offer additional member benefits such as no hidden admin costs, set-up fees or early repayment charges. Credit unions have no third party shareholders which means dividends are paid to savers instead, and they don’t rely on automated credit checks so all loan decisions are ultimately made by a real person. There are 21 Credit Unions across Wales, which means that everyone in Wales has a local credit union they can join. To find yours, visit www. creditunionsofwales.co.uk
Have your say on how Ceredigion becomes a more physically active county
A CONSULTATION is currently underway on how Ceredigion is becoming a more physically active County.
There is a plan to follow the “Sport & Recreational Activity Strategy 2014-2020” which is being developed, with an opportunity for Ceredigion residents to have their say.
Your feedback will be essential in supporting Ceredigion County Council’s production of a new development plan and in helping determine its priorities from 2022 to 2027. This will ensure that Ceredigion residents have access to quality opportunities to become more active, benefiting their physical and mental health and wellbeing.
The new plan will identify how becoming a more active county can contribute to the Council’s Corporate Strategies and the Local Wellbeing Plan.
To ensure that the plan meets the needs of all its residents, the Council would like as many people and organisations as possible to complete the survey. Residents have until 17 October to complete the survey: https://www.ceredigion.gov.uk/your-council/consultations/physical-activity-development-plan/
Councillor Catherine Hughes, Ceredigion County Council Cabinet Member for Porth Gofal, Early Intervention, Wellbeing Hubs and Culture said: “The physical and mental health and well-being of Ceredigion’s residents is very important. This is a chance for residents to have their say on how they want to receive sport and physical activities for the years to come. We recognise the impact that the coronavirus pandemic has had on sport and physical activity in the county and this is an opportunity to let us know how we can build back stronger.”
For further information or if you would like the survey in an alternative format, contact our Customer Services Contact Centre on 01545 570881 or email@example.com.
Dweud eich dweud ar sut y daw Ceredigion yn sir fwy egnïol yn gorfforol
MAE YMGYNGHORIAD yn cael ei gynnal ar hyn o bryd ar sut mae Ceredigion yn dod yn Sir sy’n fwy egnïol yn gorfforol.
Mae yna gynllun i ddilyn y “Strategaeth Chwaraeon a Gweithgareddau Hamdden 2014-2020” sy’n cael ei ddatblygu, gyda chyfle i drigolion Ceredigion ddweud eu dweud.
Bydd eich adborth yn hanfodol i gefnogi Cyngor Sir Ceredigion i greu cynllun datblygu newydd er mwyn pennu ei flaenoriaethau rhwng 2022 a 2027. Bydd hyn yn caniatáu i drigolion Ceredigion gael mynediad at gyfleoedd o safon i ddod yn fwy actif a fydd hefyd o fudd i’w hiechyd a’u lles corfforol a meddyliol.
Bydd y cynllun newydd yn nodi sut y gall fod yn sir fwy egnïol gyfrannu at Strategaethau Corfforaethol y Cyngor a’r Cynllun Lles Lleol.
I sicrhau bod y cynllun yn diwallu anghenion ei holl breswylwyr, hoffai’r Cyngor i gynifer o bobl a sefydliadau â phosibl gwblhau’r arolwg. Mae gan drigolion hyd at 17 Hydref i gwblhau’r arolwg: https://www.ceredigion.gov.uk/eich-cyngor/ymgynghoriadau/cynllun-datblygu-gweithgaredd-corfforol/.
Y Cynghorydd Catherine Hughes yw’r Aelod Cabinet Cyngor Sir Ceredigion ar gyfer Porth Gofal, Ymyrraeth Gynnar, Canolfannau Lles a Diwylliant. Dywedodd: “Mae iechyd a lles corfforol a meddyliol trigolion Ceredigion yn bwysig iawn. Dyma gyfle i’r trigolion ddweud eu dweud ar sut maen nhw eisiau derbyn chwaraeon a gweithgareddau corfforol am y blynyddoedd i ddod. Rydym yn cydnabod yr effaith y mae pandemig y coronafeirws wedi’i chael ar chwaraeon a gweithgarwch corfforol yn y sir ac mae hwn yn gyfle i roi gwybod i ni sut y gallwn ailadeiladu’n gryfach.”
Am fwy o wybodaeth neu os hoffech gael yr arolwg mewn fformat arall, cysylltwch â’n Canolfan Gyswllt Gwasanaethau Cwsmeriaid ar 01545 570881 neu firstname.lastname@example.org.
A reminder to residents and visitors as the number of Delta cases increase
CEREDIGION is starting to see an increase in the number of COVID-19 cases in Ceredigion and across Wales over recent days. The Delta variant has been detected in Ceredigion; a different variant which causes a wider range symptoms than previously, the Council has said.
We are becoming increasingly concerned about this increase; the current rate per 100 thousand of the population is 33 and this is likely to increase further over the coming days. This is a significant rise, considering at the beginning of June the rate per 100 thousand of the population was as low as 2.8 per 100 thousand.
The new variant of COVID-19 is in all parts of Wales. It spreads faster and we need to be more vigilant and ensure that we follow the most recent guidelines which are as follows:
· Only members of your extended household can enter your home.
· Face coverings continue to be mandatory in the indoor public spaces that are open (subject to certain exemptions and exceptions), and on public transport and in taxis.
· People should try and work from home if they can.
· People should maintain social distancing, including outdoors, and don’t mix with too many different groups of people.
· People should wash their hands regularly and follow other advice on hygiene.
· People must self-isolate when told to do so by NHS Wales Test, Trace, Protect or as soon as you develop symptoms
· Book a test if you experience any of the symptoms.
Symptoms of the Delta variant of coronavirus include a headache, followed by sore throat, runny nose and fever. We are urging people who feel unwell with ANY of these symptoms to book a test, be extra cautious, social distance, and maintain good hand hygiene.
As everybody is making the most of a summer with more relaxed restrictions than at the start of the year, it’s still vital for everyone to remember we’re still battling this virus and trying to prevent the threat of a third wave. Limiting your contacts is essential for keeping the infection rate down and it’s how we will ultimately protect each and every one of us.
In Ceredigion, over 68% have received the first vaccine and over 44% have now received the second vaccine. A first dose of the vaccine is now available to everyone over 18. The second vaccine significantly improves your immunity, so it is important that you get your second dose to complete your course of vaccinations.
Getting both vaccine doses and following COVID-19 guidelines will protect us all against the new variant. Hywel Dda University Health Board (HDdUHB) are now running walk-in clinics for first and second dose vaccination from Monday 21 to Sunday 27 June. More information on the HDdUHB website.
Together, we can keep Ceredigion safe.
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