Your Debt Could Outlive Your Mortgage

If you’re making minimum repayments on credit cards or loans, it can sometimes feel like your balance never really moves.

That’s because minimum payments often mainly cover interest.
A £5,000 credit card balance could take more than 30 years to repay if you only pay the minimum each month. That means more stress and higher costs over time.

Debt consolidation is one way to stop debt from dragging on.
It combines existing balances into one loan, with:

✔️  One regular payment
✔️ A clear end date
✔️ One affordable interest rate*

See if consolidation could save you money

Big Energy Saving Week

With the energy price cap increasing by an average of 0.2% on 1st January 2026, Big Energy Saving Week highlights simple, practical ways to save energy and money at home.  We're shining a spotlight on what support is available to keep homes warm without extra cost.

With energy bills often at their highest at this time of year due to the cold weather, and around 12 million UK households struggling with energy costs, this is about more than saving money. It’s about comfort, health and wellbeing too.

Small changes can really add up. Simple steps like switching to LED lightbulbs or turning the thermostat down slightly can all make a difference over time.

👉 Find out more about Big Energy Saving Week and how Penny Post can help save you money

If Money Feels Loud This January

Money stress doesn’t always shout. Sometimes it’s just a low background noise. Maybe a tight feeling before bills go out, a pause before opening an email, or even just a sense of juggling a bit too much at once.

The good news is that, as a member, you already have access to support specifically designed to help turn the volume down. Our Financial Wellbeing Hub brings together simple tools and information to help you:

🧼 Get a clearer picture of your money
✏️ Plan ahead for bills and day-to-day spending
🧠 Find support if you’re worried about debt
💗 Understand what help is available, without pressure or judgement

You can dip in and out and take what’s useful to you. Whether you’re feeling the pinch this January or simply want to head into 2026 feeling more money-confident, the Financial Wellbeing Hub is a great place to start.

Sometimes, just knowing that support is already there can make things feel a little quieter. 🔊➡️🔈

* APR: 6.4% or 20.9% (variable), subject to status, affordability and underwriting.
Should you be approved for a Penny Post Group Loan, a formal offer will be made.

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