May is a time of communion where organizations spend more money year by year. It is difficult, however, to be otherwise. The outfit for our child alone can reduce the pocket by up to several hundred zlotys.

What to do if for some reason we do not know if we will be able to fill the budget?

What to do if for some reason we do not know if we will be able to fill the budget?

The first holy communion should be one of the most important days of a little Christian. Increasingly, however, the spiritual aspect comes to the background. More than for the sacrament, children are waiting for gifts, and parents and guests are counting the money they will have to spend. Although the ceremony in the church apparently costs nothing, the organization of that day can consume up to several thousand zlotys! Children’s outfit, candle, rosary, church decor, first communion photography, gift for priest and even catechists. Already these issues can reduce the household budget by several hundred zlotys. And yet this short calculation only applies to about an hour of temple ceremonies. No wonder that parents often use a communion loan in such cases.

Expensive parties

At the church, however, the celebration does not end. On the contrary. This is just the beginning, and if so, the real costs are just beginning. Poles are increasingly willing to give up home parties. Instead, we choose restaurants or hotels, pulling the obligation to prepare dishes from A to Z. We only play the menu, so we can focus on something else. And time is money – in this case, literally. Depending on the region, gastronomic establishments can request a minimum of PLN 100 per person. A party for 30 people will therefore reduce our budget by PLN 3,000 – at best. There is nothing to prevent this amount being twice as large. However, this is only dinner in the restaurant. To this must of course add a cake. The price of one kilogram ranges from 30 to even 100 PLN. Of course, we can also significantly reduce these costs by organizing refreshments at home. Then we can save up to half of what we would pay to a restaurant.

Sacrament for free

Sacrament for free

However, before we spend the afternoon with the family, a lot of funds will be allocated to the already mentioned religious part. The First Communion range is as expensive as the school layette. Alba, which is a symbol of this sacrament, is a minimum of PLN 150-200. Under it – depending on the child’s sex – a dress or a suit, i.e. an additional PLN 100-300. Plus a communion candle, book and rosary, together up to PLN 200. The official part cannot do without a photographer or cameraman. Thanks to the priest are not limited to a symbolic handshake. And all this in a beautifully decorated temple. We deduct at least another PLN 200 from the wallet. The economic version of communion, i.e. the one we organize at home, using catering, will cost us PLN 2,000 at best. If we do it with a pump, it can be even three times as much with a light hand! We also have to take into account expenses when we are invited to this holiday. Regardless of whether you plan to give a gift or an envelope – it costs money. Of course, the amount we sacrifice depends on family connotations. Even 10 years ago, the handing of bicycles, chains and watches was common. Today, tablets, smartwatches and smartphones are in the lead. For the immediate family, a gift for the first communion is an expense of 500-1000 PLN.

A loan for communion

A loan for communionA loan for communion

As you can see, the organization of communion is not the cheapest. Parents reserve rooms several years in advance, start to save money a few months earlier, and yet the funds from the wallet are still decreasing. Purchase of clothes, advance payment for restaurants, week by week spending is increasing. Finally, it may happen that our funds will be insufficient anyway. The worst if it happens just before the long-awaited event. Such random accidents, although very unpleasant, unfortunately are an integral part of our lives and can happen to anyone. Sudden, unpredictable expenditure a week before the event can have a significant impact on the capital raised. However, it does not have to interfere with preparations for the upcoming holiday. Solving temporary financial problems does not have to be complicated. A bank loan is a lot of formalities for which we certainly have neither the time nor the desire. It is also difficult to expect that we will be supported by a family that is currently finalizing the purchase of a gift for our child. In such moments it is worth using the services of financial institutions. A communion loan may allow us to fill holes in the home budget. The contracting process is very simple and quick. All you need to do is meet a few uncomplicated conditions, and that’s about it. Its great advantage is the repayment time, which – if we want to – can be up to 36 months!

Poles are happy to organize lavish First Communion parties, allocating even several thousand zlotys to them. A communion loan may prove to be a means that will not let us lose liquidity during this intense period.