Many people look forward to crisp, clear mornings and cosy nights in front of the fire. But winter can also bring unexpected expenses.

If winter worries are getting you down, Places for People Financial Services may be able to help with a personal loan to cover one-off costs, such as car repairs or a new boiler.

Yet there are some thinngs we can all do to try to avoid unexpected winter costs as far as possible.

Boiler basics

British Gas recommends a number of ways to take care of your boiler and increase its efficiency. These include lagging pipes, keeping the pressure constant (between 1 and 1.5 bar) and regular servicing. You can also help by keeping the area around your boiler free from clutter and using a soft cloth to dust the outside, according to Plumbcare.

Car care

Your car can also be affected during colder months, but there are some simple things you can do to winterize your vehicle. The Telegraph advises that topping up your oil will help your engine run more efficiently. You should also make sure anti-freeze levels are between the maximum and minimum to protect your radiator from damage. Some places, like Halfords, even offer free winter car checks.

Seasonal saving

Christmas is a time for family and festivities, but many people worry about the expense.  If you do find yourself struggling, a personal loan from Places for People Financial Services could help to spread the cost. You can also read our Christmas budgeting tips for useful money-saving ideas.

Pipe precautions

Burst pipes can cause unnecessary damage to your home. To help prevent pipes from freezing, Water UKsuggests making sure you turn taps off properly after use and fixing any dripping taps. And if you happen to be away visiting relatives over Christmas, they also advise leaving the heating on low.

 If you do find yourself with an unexpected one-off cost, getting a personal loan from Places for People Financial Services could help. Applying is quick and easy and you could get a loan even if you've had credit problems before.

Further help and support

If utility bills or general living expenses are worrying you, you should make an arrangement with the supplier or seek help from Citizens Advice rather than applying for a loan. If you are a tenant in a Places for People home, our money advice team may also be able to help.

Apply now

99.9% APR representative. Credit will be offered subject to status. Your rate is fixed for the term of your agreement. Applicants are reminded not to commit any funds to expenditure until a loan decision is made.


Places for People Financial Services Limited is authorised and regulated by the Financial Conduct Authority with firm reference number 663756.


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