Welcome to St Agnes Church Website
St Agnes Church is a safe place for all people to worship regardless of race, creed, gender, economic status, cultural background or sexual orientation ……
St Agnes Church is part of Manchester Diocese http://www.manchester.anglican.org/
It is important to us to purposefully and deliberately include and embrace ALL people, as in the statement above.
We are affiliated to:
Changing Attitude (LGBT) http://www.changingattitude.org.uk
The Progressive Christianity Network http://www.pcnbritain.org.uk/
Amnesty International http://www.amnesty.org.uk/
And on 21st September 2010, The Internationaly recognised Day of Peace we launched our own Academy for Peace. http://www.peaceoneday.org
Helping Christians in Poverty and Financial Woes
Unless you have large sums of cash at your disposal, financing is a necessity for making large purchases or obtaining expensive services. However, debt financing plans may become a consumer’s downfall if you are unable to repay your loan. Minimising the amount of money you need to borrow may help you to keep your debts at a manageable level and enjoy the benefits of financing without the stress of overwhelming debt.
Reducing the Amount You Borrow
Buying a house or a car would be out of reach of most consumers if they were unable to take out a loan to purchase these assets. Financing is a valuable means to gradually increase your net worth, so that you can enjoy greater financial security and lead a more comfortable life. In addition, financing may help you to secure necessary services, such as a university education or a medical procedure, that you could not otherwise afford. Unfortunately, the interest that you pay for the privilege of borrowing money will add to the total cost of your purchase.
You can minimise the amount of money you borrow by planning your purchases in advance. When you buy a home or a car, you can reduce the loan principle by paying a higher deposit. Rather than assuming large monthly repayments, you can minimise your monthly outgoings by saving the money to put down a larger sum of cash. You may also achieve a lower interest rate on your loan if you can make a larger deposit. If you need an automobile urgently and you don’t have time to save, consider an economical used car instead of a more costly new auto.
Take time to shop around before you make a large purchase. Although you may see the home of your dreams or the latest shiny iPhone XS Max you’ve always wanted as soon as you begin your search, it pays to slow down and explore your options to find the most affordable option. Use loan calculators or mobile phone comparison sites to estimate your monthly repayments, so that you don’t over commit yourself financially. If you’re already struggling with bad credit, don’t get lured in my sites offering options for bad credit as they often don’t have your best interests at heart. If you are looking for a contract phone, use a reputable site. Some of our congregation have used the firm No Hassle Mobile Phones and speak very positively of their experience.
Shortening Your Repayment Terms
When you take out a loan to buy a home, a car or another large item, make sure you have the option to repay the loan early without penalties. Early repayment can be a valuable way to minimise financing and save money. When you have a financial windfall, like a large bonus at work or an inheritance, use a portion of the money to make a larger repayment on your mortgage or car loan. The sooner you pay off the loan, the lower the total cost of this asset will be.
Many students at university are acquiring large student loans these days, which place them at a financial disadvantage before they’ve even started their careers. If you have a student loan, focus on minimising this debt as soon as you graduate. When you’ve just started your first job, it’s tempting to use your salary to purchase the items you’ve always wanted. Before you take on new debts, such as a car or a credit card, channel your income into saving money and reducing your student loans.
Building a short term savings account is a useful way to minimise financing. With the funds in an instant access savings account, you can make a larger deposit on the home or car you truly want. You can contribute the funds in your savings account to choice medical procedures, educational fees and other expenses that might otherwise require a loan. As you consider how to minimise financing, consider accelerating your savings goals to prepare for future expenses.