Are you living within your means — or feeling pressure to keep up with others?
Financial experts agree that living below your means helps reduce stress, build resilience, and avoid unmanageable debt.
But living below your means doesn’t mean missing out.
It’s about planning ahead, making informed choices, and spending with confidence.
Saving little and often using our savings pots can help you prepare for everyday costs and future goals.
If you do need to borrow, our lower-rate loans are designed to support you, with no hidden fees and a personal, human approach.
Always assess affordability before making purchases or taking out a loan.
Looking for simple ways to cut costs?
Explore our Top 20 Saving Tips for practical ideas you can use straight away.
If you have any questions or need support, get in touch.
Email creditunion@harpandcrown.co.uk
“Save regularly and borrow only what you need.”
The Harp and Crown Credit Union has been providing safe, ethical and flexible finances for the Police and wider Police family in Northern Ireland since 1998.
