Category Archives: Cardiff Stuff

Things to do in Canton when you’re dead…..bored

Cardiff Stuff, , , , , ,

**This article first appeared in Pontcanna & Canton Matters**

Oh, those words that bring joy to every parent’s heart….Mam, I’m Booooorrrreeed! I’m going to pretend, for the purposes of this article, that I never, EVER, respond with the words ‘well, go and play with one of the thousands of toys that appear to be cluttering up every inch of floor space’.  So what exactly DO I do with the little sweethearts?

One hour: Thompsons Park is our fallback. There’s no play equipment, but the climbing tree, Death Valley, duck feeding and manic scooting can easily take up 60 minutes, with the added bonus that there are always other bored and freezing grownups to moan to. AND you can pick up freshly cooked pakora from Mandy and Bharat’s shop on the way, which goes some way towards making up for the the being bored and freezing bit.

Two hours: Victoria Park will probably keep the kids entertained for a bit longer due to the play equipment and the extra potential for fleecing parents at the snack bar. In the Summer the paddling pool is a lot of fun, though since we’ve had, like, seven years worth of sunshine this year, it’ll probably be about 2020 before it gets warm enough to enjoy it again. Alternatively, there’s Bambeans on Cowbridge Road East, but be warned – though billed as suitable for kids up to 10, I think much above 5 is pushing it. However they do a decent coffee and also meals for kids which don’t cost the earth.

Three hours: Chapter Arts Centre have kids’ films at 11am and 3pm on a Saturday, and with pre-and-post film wee stops and a coffee afterwards, you’ve almost killed A QUARTER OF THEIR WAKING DAY! It’s worth checking what’s on as sometimes the film will be a 12 or PG; they also sell out very quickly in the winter or on rainy weekends, so be warned!

Four hours plus: Not a great deal to do in Canton itself, but with this sort of window you could walk along the Ely Trail to the Bay. Or,  pick up the clipper from the Castle (departs on the hour) and get off at the barrage, then walk across with a stop at the sandy Pirate park. Once in the Bay there’s ice cream for them, coffee for you, and a direct bus (no 1) back to Canton.

Or the little darlings could JUST play with the THOUSANDS of toys…oh, sorry, done that already.

This article was brought to you by Michelle Davis – say hi @michelledavis or read more pearls of parenting wisdom* at learnermother.co.uk

*not a true and accurate representation 

On Credit Unions

Cardiff Stuff, Doing my bit, Social enterprise, , , ,

I know, I know – I am spoiling you with three posts already this week, including the rather popular one on my total failure in the area of sleeping attire – however I just wanted to do a quick lunchtime post on something that almost passed me by.

Today is, drum roll please….International Credit Union Day! Do not adjust your sets, this aims to be a short and informative post, on something that can be a real benefit to YOU and the community you live in.

There are roughly 500 credit unions throughout the UK. There are some differences, but they all work along broadly similar lines – that is, they manage savings, and offer loans, to a group of people who have something in common. That something is usually, but not always a geographical area.

For the purposes of this article I’m going to talk about the geographically based credit unions, and why I believe people should consider them alongside banks when looking for loans,  current accounts and savings.

 

Loans

Credit Unions offer loans to their members, which do not have any hidden charges or secret costs, nor will they attempt to bamboozle you into taking expensive and useless loan protection. Interest rates are often lower than those advertised elsewhere, and credit unions will usually be happy to lend relatively small amounts, say £100,  whereas banks will often have a far higher minimum loan.

Credit Unions tend to be more ready to lend to those who are refused funds elsewhere. They will want to work closely with you to make sure you can afford to repay what you have borrowed, as well as meeting your other living costs, and they may ask that you save – even a very small amount – before being considered for a loan.

Current Accounts

Many credit unions offer basic current accounts, and again, these are available to those who are excluded from traditional bank facilities. These accounts will usually have far fewer bells and whistles than a bank account, for example debit cards may not be readily available. However, an account with a credit union may well offer other useful features, eg a ‘jam jar’ account to immediately ring fence the amounts needed for essential payments such as rent, when the account receives a credit. This can be a lifesaver for certain vulnerable groups of people, for example young people leaving care; adults with limited understanding of money management; or even just people who are having to manage their money for the first time due to the introduction of direct payments.

Savings

I am lucky at the moment in that I can afford to save a small amount every month. I choose to save with my credit union -the biggest selling point for me being that I know where my money is going – and more importantly where it’s NOT going. It’s not investing in the arms trade, being used to shore up dodgy food speculation practices, or buying some corporate fat cat a yacht. Instead, my savings are being used to make small loans to people in my local community. Probably to people who are excluded from traditional lending institutions, who are at risk of aggressive targeting by the frankly despicable payday loan companies.

So, there you have it. If you have been refused help or even not allowed to open an account at your bank, consider a credit union. If you need a loan, or know someone who does, please steer them away from payday lenders and get them to talk to a credit union. And if you are lucky enough to be a saver, please also think about saving with your local CU, because your money will be being used to help those in your local community.

You can find your local credit union here, and if you live in Cardiff, you can check out Cardiff and Vale Credit Union here.

Here endeth my speedy lunchtime post – back to work I go!

Disclaimer – I haven’t been asked to write this post, and I’m not receiving any incentives to do so.