The summer holidays seem to stretch for ages until all of a sudden they are coming to an end, and it feels like there a hundred and one things to do to get ready for September. 

We've put together a handy checklist for you to help you be your future friend and get everything done. The new school year doesn't come without costs, and shoes, trainers, uniform, PE kit, coats and bags can soon add up. Holdfast offer small personal loans which can be paid back out of your Child Benefit. If you need help meeting the costs of getting school ready, get in touch to find out how we could help and if you are eligible.