Dear Member,

April was all about Financial Literacy—and we're here for it!

From saving smarter to protecting yourself from scams, this edition is packed with tips to help you take control of your money. Because when you understand your finances, you can make them work for you—not the other way around.

One of our favourite reminders?

“Invest in your future self—save, invest, and keep learning.”

Even small steps count. Start now, and let compound interest do its thing.

If you have any topics that you would like us to cover in future newsletters, simply email us at news@cus.coop. 

With warm regards,

The Thamesbank editorial team

Take control of your finances this Tax Year: 7 simple steps

A new tax year is the perfect chance to take a fresh look at your finances. Whether you want to save more, spend smarter, or just feel more confident with your money, there are easy steps you can take today to set yourself up for a better year ahead.

We have put together 7 simple and effective ways to make your money work harder for you in 2025/26.

Protect your money: how to spot and stop scammers

Scams are on the rise - and they're more convincing than ever. From fake refunds to too-good-to-be-true investment offers, it’s easier than you think to get caught out.

We’ve put together a quick guide on the most common scams and how to protect yourself.

How much should I be saving each month?

It really depends on your personal goals and situation—but a handy guide that works for many is the 50/30/20 rule.

Here’s the breakdown:

• 50% of your income goes on essentials (think rent, bills, food)
• 30% on non-essentials or “wants” (like eating out, subscriptions, treats)
• 20% goes straight into savings or investments

If saving feels tricky right now, this method can give you a clear structure and help you see where your money’s going.

Let’s say you take home £2,000 a month:

• £1,000 would cover your needs
• £600 for your wants
• £400 towards savings

Once you jot down your spending and slot it into these three categories, it gets much easier to see the full picture. You’ll be able to spot where you might be overspending—and where you can make simple switches to stay on track with your goals.

💡 Looking for a simple way to start saving?

Check out the Thamesbank savings account—an easy and safe place to build up your savings and watch your money grow over time. Whether you're saving for a rainy day or something special, every little bit adds up.

Start saving young: Open a Junior Savings Account with Thamesbank Credit Union

Children under the age of 16 residing in the London Boroughs of Ealing, Hounslow, Kingston Upon Thames, Richmond Upon Thames, Wandsworth, and the Borough of Spelthorne, Surrey can open a Junior Savings Account with Thamesbank Credit Union. An existing adult member needs to endorse the account opening. Junior savers can save up to £5,000, giving them plenty of room to grow their savings.

When your child turns 18, their account automatically transitions to a full adult membership, granting them voting rights within the credit union. However, please note that those under 18 are not yet eligible for loans.

Ready to get started?

Contact us via email at admin@thamesbank.org to set up a Junior Savings Account for your loved one today.

Words of wisdom

When it comes to managing money, a little financial literacy goes a long way. Here are some bite-sized words of wisdom to keep you inspired and on track.

1.    "Know where your money goes, or it will go without you."
Track your spending—it’s eye-opening and empowering.

2.    "Saving isn't about how much you earn, it's about how much you keep."
Even small, regular savings add up over time.

3.    "Budgeting is telling your money where to go instead of wondering where it went." – Dave Ramsey
A budget gives your money purpose.

4.    "Financial freedom starts with discipline, not income."
It’s not about making more—it’s about managing better.

5.    "Emergency funds aren’t optional—they’re your financial safety net."
Life happens. Be ready.

Members noticeboard

Have you joined the Sercle App?

The Sercle App is a secure, user-friendly mobile app that connects members to Thamesbank Credit Union 24/7, offering real-time access to your account and the ability to stay connected with us whenever you need.

How to get the app:

Downloading the Sercle App is quick and easy! It’s available for free to both existing and prospective members.

Lottery - jumpstart your savings with a chance to win!

Thamesbank Credit Union members can now participate in an exciting lottery run by our back-office provider, Credit Union Solutions (CUS).

Each entry is £1, and each member can have up to 10 chances per month.

Ready to boost your savings and try your luck? Head over to the Credit Union Solutions website to learn more, enter the lottery, and see a list of past winners. 

Share this newsletter

Please feel free to share this newsletter with your colleagues, friends and anyone else who may be interested in the content within it. 

With thanks from the Thamesbank editorial team.

Thamesbank Credit Union Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number No. 416486).

Ethical and affordable finances  |  Helping you to save and borrow

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