Post Office opening times for BFPO 58 and BFPO 59 counter service, second and third week of November 2026.
BFPO 58 - Dhekelia
BFPO 59 - Ay Nik
Wednesday, 11 November 2026
ESBA - BFPO Service Update
Post Office opening times for BFPO 58 and BFPO 59 counter service, second and third week of November 2026.
Ay Nik - Bingo at The Black Knight - Thursday 19th November
BINGO AT THE BLACK KNIGHT! Always a fantastic evening — bring the family down and enjoy a cracking night with great vibes, laughs, and BIG cash prizes!
The more people that attend = the bigger the prize money! 
Spread the word and get your friends and family involved!
EVENT DETAILSDate: 19/11/2026
For times please see the Ay Nik Community Facebook page or check TeamUp.
BINGO INFO
4 Games for just €20 Prize money depends on attendance numbers Always turns into a quality night with serious cash won!
PLUS — bring an extra €5 for the special Straight Full House Game after the main session finishes!
Spot Prize Challenge:Call a FULL HOUSE in 50 numbers or less and win a special bonus prize!
IMPORTANT
STRICTLY CASH ONLY for Bingo tickets
No card payments acceptedForces Connect, A Girls’ Brigade Online Group (Ages 13+) – next group date 19 Nov
Are you aged 13+ and part of a military family? Join us online for a fun, relaxed, and welcoming Girls’ Brigade session via Zoom! This special event is a great opportunity to connect with other young people from military families across the country, share experiences, and make new friends.
PFL Mortgages: Military home ownership - understanding your options
Military home ownership:
understanding your options
Advice built around military life
Can you buy a property while living in
military accommodation? Could you buy a home now and rent it out until you're
ready to live there? Could Forces Help to Buy help you purchase a home? And
what are your house purchase options when leaving the Armed Forces, or facing
relationship breakdown, discharge or redundancy?
Armed Forces Commissioner: Service community request to share experiences of Phase 1 Training Establishment’s welfare support
Share your welfare experiences with the Armed Forces Commissioner.
The Armed Forces Commissioner is currently undertaking a Thematic Review into welfare, behaviours, and lived experiences at Phase 1 Training Facilities. As part of this, the AFC has launched a call for evidence from anyone who has been a recruit, staff member, or relevant family member at a Phase 1 Training Facility within the last 5 years. The is an opportunity to inform and shape the future of welfare and wellbeing in the Armed Forces. Evidence is welcome from anyone who is currently based at a Phase 1 Training Establishment as a recruit, instructor or Chain of Command, or anyone who was based at one between 2021 and 2026.
Episkopi Sodexo Christmas Donations
Help Us Make Christmas Extra Special! Every act of kindness, no matter how big or small, can make a real difference and help create joyful memories for those who need them most this Christmas. 
The Sodexo Cyprus Social Value Champions are proud to support this wonderful cause and encourage everyone to get involved. Together, we can spread festive cheer, bring smiles to faces, and make this Christmas a little brighter for our community. 
Every contribution counts. Every gesture matters. Every smile is priceless.Thank you for your support and generosity!
Tuesday, 10 November 2026
Can You Buy a Car When You Have £0 Saved?
Can You Buy a Car When You Have £0 Saved?
You've looked at Auto Trader. You've found a car that suits your needs. The problem is that you don't have the money to pay for it upfront.
If you need a car for commuting, family life or getting between home and base, waiting until you've saved the full amount might not feel practical. Borrowing could help you spread the cost, but it's important to understand how the different options work before committing.
In this guide, we'll walk through the main ways to finance a car, what to compare, and how to make a more informed decision.
What are your options for buying a car with no savings?
If you don't have money set aside for a car, there are several ways you might be able to finance one. Availability depends on the lender, the agreement, and your eligibility.
No-deposit options aren't guaranteed, and borrowing the full cost of a car may mean higher repayments or a greater total cost. Let's look at each option in more detail.
1. Hire purchase (HP)
Hire purchase allows you to spread the cost of a car over an agreed period, usually through fixed monthly payments.
You typically pay a deposit first, but some providers may offer HP agreements with no deposit, depending on their lending criteria.
You'll make regular payments throughout the agreement. You generally become the owner once you've paid everything required, including any applicable final fee.
HP may be worth exploring if you want to own the car at the end of the agreement and prefer a set repayment schedule.
Before signing, check the interest rate, total amount payable, whether a deposit is required, and what happens if you miss payments.
2. Personal contract purchase (PCP)
PCP is another type of car finance commonly arranged through a dealership or finance provider.
You usually pay an upfront deposit followed by monthly instalments. These payments are based in part on the car's expected value at the end of the agreement, rather than paying off the full purchase price.
At the end, you generally have three choices:
- Pay the final payment to own the car.
- Return the car, subject to the agreement's mileage, condition and other requirements.
- Part-exchange it for another vehicle, depending on the car's value and the terms of any new agreement.
Some providers offer PCP without a deposit, although this depends on the deal and your eligibility.
PCP can offer flexibility at the end of the agreement but remember that the monthly payments don't usually mean you'll own the car automatically.
3. Personal car loan
A personal car loan is another way to finance a vehicle, particularly if you'd prefer to arrange the borrowing yourself rather than through a dealership.
You apply to a lender to borrow a set amount. If approved, you use the money to buy the car and repay the loan in monthly instalments over an agreed term.
With an unsecured personal loan, the car generally isn't used as security for the borrowing, and you usually own it from the point of purchase.
First Defence Finance (FDF) offers a Car Loan for MOD personnel who want to spread the cost of buying a car. You can explore borrowing options directly with FDF and compare the available terms with other finance deals.
As with any loan, approval, rates and repayments depend on your circumstances and affordability. Check the total amount repayable as well as the monthly payment before making a decision.
Explore the First Defence Finance Car Loan →
Which car finance option should I choose?
There's no single option that's right for everyone.
- HP may suit you if you want to spread the cost and own the car at the end.
- PCP may suit you if you want the flexibility to return, replace or buy the car when the agreement ends.
- A personal car loan may suit you if you want to arrange the borrowing separately and buy the car outright.
It's worth comparing the APR, fees, repayment period, total amount repayable and any final payment before deciding.
Remember the cost of running a car
The finance payment is only one part of owning a car.
You'll also need to consider insurance, fuel or charging, vehicle tax, servicing, MOTs, tyres and unexpected repairs. These costs can vary considerably depending on the vehicle and your circumstances.
Work out how much the car could cost you each month, including the finance repayment, before you commit. This can help you see whether the overall cost fits your budget.
Looking for a way to finance your next car?
If a personal loan sounds like the right route for you, First Defence Finance offers car loans for eligible members of the Armed Forces community, including serving personnel, veterans and qualifying family members.
Explore the current terms, check the eligibility criteria and consider whether the repayments would fit comfortably alongside your other commitments.
Find out more about the First Defence Finance Car Loan →
Credit is subject to status and affordability checks. Terms and conditions apply.
Monday, 9 November 2026
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