How to feel Money Positive

At The Money Co-op, we do good things with your money and help you do good things with it too.

Alongside our ethical financial products, we empower you with education, tools and support. We’re always here to answer any questions and ensure you’re becoming more money-positive every day.

Let us show you The Money Co-op way.

Supporting your saving journey

Saving is an important part of improving your financial wellbeing. It has plenty of positive benefits, like reducing stress, providing a financial safety net and making your goals attainable. But we know it’s not always simple.

Here’s how we can help you to make saving easier:

Step 1: Address any debts you might have
Maybe you’ve got debts with other lenders mounting up. Choose our consolidation loan to combine your debts into one monthly payment and feel the pressure ease knowing you’re taking back control. With a consolidation loan, you simplify your reducing multiple payments into one. This can lower your monthly debt costs and help you pay off debts faster. It could also improve your credit score over time by demonstrating consistent, reliable repayments.
Heads up – all loan applications need to follow our Loan Approval Policy. If it turns out this loan isn’t right for you, no worries – we’ll still help you find the best way forward.
Step 2: Start small
Once you’re on top of payments, use our savings calculator to work out how much you can afford to save each month. Even if it’s just a few pounds, it all adds up!
Step 3: Decisions, decisions
Congratulations! You’ve done the hardest part by getting started. Now choose a savings account based on what you’re saving for and set a goal amount. Want to keep some emergency funds handy? Our Regular Saver is the one for you. Saving for a car or home renovations? Check out our Saver Plus. Got a holiday coming up or planning ahead for Christmas? Create your own Special Saving Pots.
Step 4: Get rewarded (alternatively – Payback time!
We reward our savers for being part of our member community with an annual dividend (like interest) on their savings. That’s not the only benefit–you can feel good knowing your savings help fund loans* for others in our community.

We make saving simple through payroll deductions if you work for one of our employer partners or direct debit. We don’t stop there–you can get involved in some fun saving challenges too!

Saving isn’t always easy, of course. But we’re here to help you get on the right track and feel more positive about your finances.

Money talks, we talk louder

Money isn’t a taboo subject here.

Financial worries can greatly impact mental health. That’s why we encourage open and honest conversations, creating a supportive community where everyone feels understood.
It can be difficult to open up. Especially when you’re struggling. You don’t have to face it alone because we’re here for you. Reach out to us for a confidential chat and we can tailor a plan for better financial wellbeing together.

We’re dedicated to helping people feel better about money, one conversation at a time.

Knowledge is power

Financial education should be accessible to everyone.

That’s our goal at the Money Co-op.

Money is a gigantic part of our everyday lives. Feeling unstable with finances can take its toll–equipping yourself with knowledge can combat this.

It’s part of our mission to empower our community with as much information and as many resources as possible. We have a collection of tools to help you manage your finances. Use our benefits calculator to find out if you’re getting all the support you’re entitled to and a budget planner to make managing household spending easier.
Looking for something more specific? Maybe these will help:

These links will need updating to the relevant pages on the new Money Co-op site

Feel confident making decisions that work for you, visit our knowledge hub.

Always on your side

Everyone deserves to feel money-positive.

We help our members build on this by empowering them with saving options, open conversations and financial education.

It’s all about creating a safe space and fair financial options for our community. We’re always on your side–and always on hand to answer any questions.

Reach out today for more support. Here’s how to get in touch