How to celebrate Mother’s Day on a budget

The amount that you could spend on Mother’s Day can easily add up, especially if you want to make it special. For instance, a box of chocolates, flowers and a card could cost about £20.

Therefore, here are some ways to make it extra special for your mum (and on a budget):

1. Make a homemade gift

You can make a body scrub from sugar, a delicious cake or a keyring.

2. Family photos

Print off some photos of special occasions or holidays that she has been on and create a scrapbook or photo collage.

3. Make a voucher book

Put some handmade vouchers together for things for her to enjoy or you could do for her. This could be for a home-cooked meal of her choice, you doing the chores or even something a little more active like a yoga class.

4. Make a homemade meal/dinner

Pick her favourite starter, main and dessert dishes and whip up something you know she’ll love. Why not invite the rest of the family along for a really special meal?

5. Create a memory book/jar/box

Get all your family members to put down something special about your mum. You can then collate these and put them in a decorated jar or memory book. She will love this special (and personalised) gift.

6. Take a family outing

As Mother’s Day is in the spring, if the weather is good, take a walk in the park and admire the flowers. You can also have a picnic with a basket packed with all her favourite treats.

7. Have a movie night

Get your mum’s favourite movie, pop the popcorn and drinks and enjoy a night in with your mum.

8. Call her and wish her

If your mum lives away from you, why not give her a call to wish her a Happy Mother’s Day? If she isn’t too far from you, pay her a visit.

Wishing all mothers a Happy Mother’s Day!

Time to spring clean your financial house

As the daffodils start to bloom and the days get longer, you know that spring has begun. There is no better time to start spring cleaning both your home and finances.

Here are some ways to get started.

  1. Review your spending by creating a budget

This may sound like a tedious task but put together all your expenses on to a single spreadsheet and reassess whether you need all those expenses or can you make some changes with how you are spending.
You can use budgeting tools to help you get started.

This is the start of the decluttering process.

2. Declutter your subscriptions

If you haven’t used a service/subscription for a while, think about whether you really need it. If not, then it’s time to ditch it. This is also a good time to review your bills and contracts to see if there are better alternatives available.

3. Clear any outstanding debts

First of all, make a list of all the debts that you owe.

Next, categorise them between priority and non-priority debts. Priority debts are those that need to be paid off first such as mortgage repayments, council tax and energy bills.

Non-priority debts are those which still need to be paid but aren’t as critical as priority debts. Examples include crefit cards and water bills.

If you have issues with debt, always seek debt advice. Some of the services that you can turn to include Money Advice Service; Debt Advisor Service; Step Change; Citizens Advice Bureau to name but a few.

4. Reset your financial goals and start planning for the future

Did you make new year’s resolutions that you haven’t kept? Springtime to revisit those goals and see how realistic they were. It’s also a good time to set financial goals and open a savings account (if you haven’t done so already) so that you can start saving to reach that goal.

It’s also a good time to start saving for Christmas or that dream holiday.

5. Automate your savings and get some headspace back

If you struggle to remember to put some money aside every month, then there is no better way than automating your savings. By doing this, not only will you be less stressed but you would have enough savings for a rainy day. A good way to start automating your savings is through your salary. You can set one up through our Salary Saving Scheme.

6. Review your insurance policies

Springtime is a good time to review any changes that have happened in your life that will need you to consider taking out a policy for financial protection. Some of these may include having a baby, getting married or buying a home. It’s also a great time to review homeowners or rental insurance policies as well.

7. Do an actual spring clean

Did you know that dirty hobs, windows and dusty radiators can hike up your energy bills? Take advantage of the spring cleaning bug and clean your home. Your wallet will thank you.


After you have done your financial spring clean, you will get a feeling of accomplishment for getting your financial house in order.

Reconvened Annual General Meeting 2022

Our reconvened Annual General Meeting will take place on Thursday, 28 April 2022 at 7 p.m. via Zoom. All members and supporters of the Hertsavers Credit Union are welcome to attend. If you are on our mailing list, you will receive the Zoom details in an email in due course. If you aren’t already on the mailing list, then please email us at to receive the Zoom details.

The agenda is below and the Minutes of the last meeting can be found here. You can view the financial statements for the period ending 30 September 2021 here.


1. Welcome
2. Apologies for absence and confirmation of quorum
3. Minutes and Matters Arising from the AGM on 22 April 2021
4. Board of Directors report
5. Auditors’ Report
6. Dividend Recommendation
7. Appointment of Auditor
8. Nomination of Directors and election to Board
9. Any Other Business

We look forward to seeing you there.