Winter Bills Got You Down? Here’s how to Stay on Top.
Winter has a way of putting extra pressure on household budgets. Higher household bills, everyday costs creeping up, and the knock-on effect of Christmas spending can leave many people feeling behind before the year has even started.
If that sounds familiar, you’re not alone. And at First Defence Finance, support is not just about savings and loans. It’s about helping you feel more in control of your money, whatever stage you’re at.
First Defence Finance is more than a place to save or borrow. We also offer practical tools, trusted guidance, and everyday support that many members do not realise they already have access to.
Here’s how we support members beyond the basics.
Check You’re Not Missing Out on Financial Support
Every year, billions of pounds in benefits go unclaimed across the UK. Often not because people are not entitled, but because they do not realise support exists or assume they would not qualify.
Our Benefits Calculator, powered by InBest, helps you quickly check what support you could be entitled to. It is free, confidential, and takes just a few minutes to use.
Many members are surprised by what they find.
Visit www.firstdefencefinance.co.uk/support
A Budget That Actually Works in Real Life
People who regularly track their spending are far more likely to feel confident about their money and build savings over time. But budgeting only works if it feels realistic.
Our partner company Plane Saver Credit Union offer two options:
- An online budget planner, powered by MoneyHelper
- A printable Plane Saver budget planner, designed by our team for simple, everyday use
Whether you like digital tools or pen and paper, the aim is the same. To help you see where your money goes and make small changes that add up.
Visit www.planesavercu.co.uk/budget-planner
Trusted Support, Matched to Your Situation
Sometimes you need more than a calculator or a planner. You need advice from someone who understands your situation.
Our Help and Support page brings together trusted organisations offering free, expert guidance across a wide range of topics. From debt and divorce to housing, energy costs, gambling support, and mental wellbeing, you can filter by what you are dealing with and avoid generic advice that does not apply to you.
This means you are guided straight to the right experts, at the right time, for the support you actually need.
Visit www.firstdefencefinance.co.uk/support
Making Spending Easier to Control with Discounts
First Defence Finance members have access to a dedicated lifestyle discount platform with over 800 offers across supermarkets, food, travel, retail and everyday essentials.
These discounts are not just about getting money off. They can also help you plan spending and avoid the habits that quietly drain your budget.
One of the most effective tools is reloadable supermarket cards.
You choose a supermarket, decide how much you want to spend on food for the week or month, and load that amount onto a reloadable card. This works with major supermarkets such as Tesco, Sainsbury’s, Asda, M&S, Waitrose, Iceland and others.
Once the balance is used, that is your food budget spent. It encourages planning, reduces impulse top-ups at more expensive convenience stores, and helps you stick to what you have set.
The same approach works for everyday habits too.
If the costs of your takeaway coffees add up, members can use discounted Costa or Caffe Nero cards. If food delivery is a weak spot, discounts are also available for Deliveroo, Uber Eats, and Just Eat.
It is almost like having separate spending pots for different parts of your life, helping you stay in control without feeling restricted.
Members can register and explore all available discounts here: www.firstdefencefinance.co.uk/memberbenefits
Fair, Affordable Borrowing When You Need It
If you do need to borrow, First Defence Finance offers loans with no hidden fees, no early repayment charges, and interest calculated on the reducing balance.
We also encourage members to save alongside repayments where possible. That way, when the loan ends, you are left with a pot of money rather than starting from scratch.
A Credit Union That Supports the Whole Picture
First Defence Finance is here for the long term. Not just when things go wrong, and not just when you need a loan.
Whether you save through payroll, pay by direct debit, or simply want better control of your money, everything we offer is designed to support your financial wellbeing.
You do not have to use everything at once. Even one small step can make a difference.
And if you are unsure where to start, our team is always happy to help point you in the right direction.
