Category: Money management

Drowning In Debt: 4 Ways to Help You And Your Mental Health.

~ Eleanor Segall ~ Leave a comment

(image: Pixabay/Pexels)

Debt can quickly become overwhelming. What may have started as a single personal loan a few months ago, can quickly turn into multiple loans, credit card bills and rent/bills arrears. Eventually, you may reach a point when you’ve exhausted all borrowing options. At this point, it may seem like there’s no escape, however there is always a way out of debt – it may just be a case of seeking out professional debt help.

Additionally this can take a toll on your mental health- stress due to debt can cause insomnia, anxiety, depression and a host of ailments too. You may despair or wake up scared to carry on. You may fear the debt letters or emails and phone calls. The uncertainty is difficult for anyone.

There are four common ways to get out of heavy debt. You can learn more about these below.  

DMP

A DMP (debt management plan) is an agreement to continue paying off your debts, but at a reduced rate. If you cannot keep up with the current monthly debt repayments, a DMP could help lower these to make them more affordable. While you can negotiate debt payments with creditors yourself, choosing a DMP allows professionals to do the negotiating for you. 

DMPs do not cover priority debts (e.g. mortgage, council tax debt etc.) and are informal agreements that lenders can go back on at any time. They can also have a serious negative impact on your credit score. The benefit of these forms of debt relief is that almost anyone who is struggling with debt can apply for them and you will not be added to an insolvency register.

DRO

DRO stands for debt relief order. This is a legally binding order in which all of your debts are temporarily halted for a length of time (usually about a year). This period of time is known as a ‘moratorium period’ and is a chance to improve your financial circumstances. If after the moratorium period, you have tried to improve financial circumstances but not been successful, your debts will be written off. 

To apply for a DRO you must have debts no more than £30,000 and a disposable income of less than £75 per month. It is recommended for those that have assets less than £2000. Lenders must abide by a DRO, unlike a DMP. A DRO also applies to priority debts. Just be wary that you will be added to an insolvency register.

IVA

An individual voluntary agreement (IVA) is another option. It is similar to a DMP in that you continue to pay back your debts but at a reduced rate. Unlike a DMP, it is legally binding. IVAs typically last 5 to 6 years, after which any outstanding debt may be wiped.

IVAs are available to anyone with unsecured debts over £7000. Unlike a DRO, they are recommended for those with assets over £2000. Like a DRO, you will be added to an insolvency register. You can check out this site for more IVA advice. 

Bankruptcy

Bankruptcy is sometimes seen as the most extreme option and has a certain stigma around it, but there are times when it can be the best option. The bankruptcy period lasts 12 months – during this period, any non-essential assets you own and excess income you earn are used to pay off your debts. At the end of this period, you are discharged and any remaining debts are written off.

Bankruptcy is only an option for those with debts over £5000. You will be added to an insolvency register and you may find that you are not able to borrow any money for a certain period after. The advantage of bankruptcy is that all your debts are wiped after a year, making it quicker than IVA.

Whichever option you choose make sure you look after your mental health and wellbeing and get support from loved ones and those around you. This may include visiting your GP if you need too.

This article was written by a freelance writer and edited by Eleanor Segall.

Knowing When It’s Time To Seek Treatment For Substance Abuse by Rachelle Wilber.

~ Eleanor Segall ~ 3 Comments

Whether it is addiction to alcohol or drugs, deciding to seek treatment for substance abuse is never an easy decision. If it is a family member or yourself who has a problem with substance abuse, there are certain signs that will indicate it’s time to seek treatment at a qualified facility. Though it may be hard to admit, here is how you will know the time has come to admit professional help is needed.

Changes in Personality

If you have major personality changes eg you were once very outgoing but now are withdrawing from those closest to you, this can indicate you may need treatment for a substance abuse problem- you could also be struggling with depression . Another indication is if you lie about your addiction to those you love and try and keep it secret.

Financial Problems

If you are addicted to drugs, it won’t take long for this problem to result in you having severe financial problems. Whereas in the past you always had money to pay your bills, you now find yourself having to ask others to help you out financially. Eventually, you may lose your car and even your home. Seek help for your finances when you are able to- perhaps a friend of family member could help you.

Incidents with Law Enforcement

As you live with addiction, you may find that you commit crime or do things you wouldn’t normally do. This may include getting arrested for drunk driving, possession of drugs, or even more serious crimes such as theft or assault and battery. Once this cycle begins, it will worsen very quickly, which is why you should seek out substance abuse treatment as soon as possible. Drugs and alcohol can change your behaviour.

Physical Problems

When you are drinking or doing drugs regularly, this will ultimately take quite a toll on your physical health. While the most common signs may be relatively minor such as nosebleeds or eyes that are constantly red, you may also start to notice other signs. Look for signs of liver damage, increased blood pressure, or trouble breathing. Once these signs become evident, you need to get medical treatment as well as substance abuse treatment for your mental health. Look after your body as it can take a battering when you are addicted to substances.

Losing Your Job and Marriage

When substance abuse problems get very bad, your job and marriage may be at risk of being lost to you forever. You may find yourself suddenly being faced with the prospect of being unemployed and possibly divorced due to your ongoing battle with drugs or alcohol. Addiction can sadly strain relationships and make you unreliable at work too, because you are unwell and can’t get better. At that point, if you hit rock bottom, you may admit you need help for your addiction.

Taking that initial step in seeking treatment will be tough. However, doing so will enable you to get your life back on track and overcome your addiction to drugs or alcohol.

There are many places that offer specialised drug and alcohol treatment in the UK and globally. Check out Alcoholics Anonymous, Mind and Action on Addiction.

This article was written by freelance writer Rachelle Wilber.

Don’t Feel Like Cooking Tonight? Heres 4 Reasons why You Should For Your Health.

~ Eleanor Segall ~ 3 Comments
(image: Jason Briscoe: Unsplash)

Home cooking offers many benefits. It gives us control over what we’re consuming, we can try out new combinations and recipes, and it can even be a soothing activity.

It’s often one of the first things that falls by the wayside when our lives get hectic, however. Revenue in the ready meals market has increased since 2017 and is expected to continue rising until 2026. It’s clear that in our busy lives, we often resort to convenience foods.

Here, we’ll cover some of the hidden benefits of cooking at home for those times when you feel like ordering a takeaway or throwing another microwave meal in.

Portion and ingredient control

When you order a takeaway or eat a meal at a restaurant, you don’t have much control over the ingredients used or the size of the portion you get, unless you specify you’re allergic to an ingredient. Home cooking is a great way to eliminate unhealthy ingredients.

Portion sizes vary wildly between restaurants – some are much bigger than we’d make at home, while others are not enough to satisfy us. Everyone’s food intake requirements are different, and the healthiest attitude towards food is to eat a satisfying amount – even if it’s more or less than your friend. Generally, restaurants aren’t a good guide for portion sizes, whereas you’ll know your nutrition requirements when cooking at home.

Making healthier choices

A lot of us have been tempted by an impromptu fast food lunch order when we’re at work. And while there’s nothing wrong with indulging in your favourite takeaways occasionally, doing this too often can leave us feeling lethargic and unhealthy.

Preparing your meals for work in advance gives you the freedom to cook whatever you love the most while incorporating energy-boosting fresh ingredients. Meal prepping has exploded in popularity in the past few years, and for good reason. Whether you batch-prep your meals for work every week or you cook an extra portion of your evening meal for the next day, preparing food for work is great for our health.

You’ll need to make sure your trusty work bag can fit your lunch in – backpacks for women are hugely popular for work now, and they can also fit in plenty of other healthy essentials like a reusable water bottle, plus your work laptop!

(image: Max Komthongvjit: Unsplash)

Saving money

It won’t come as a surprise that regular home cooking will keep some more pennies in your purse, especially considering we’re experiencing an increase in the cost of living right now. Dining out at our favourite restaurants is unsurprisingly the most expensive way to eat, but even those visits to the shop for a seemingly cheap meal deal can add up.

Cooking from scratch allows us to cost up our meals and ensure we’re eating within our budget. If you’re finding that you’re priced out of some fresh ingredients, don’t worry – studies have shown that frozen fruit and vegetables are just as healthy. In some cases, frozen produce may even contain higher levels of some nutrients – and come with the added bonus of being easier to prepare!

Mental health benefits

Many of us will already know how relaxing cooking can be. The act of methodically preparing, seasoning, and stirring our food can be therapeutic. Taking the time to cook a meal from scratch tells us that we are worthy of spending time on, which can boost our self-esteem. The act of cooking sometimes requires precision, but it takes us away from the hustle and bustle of our busy lives and – usually – drags us away from our screens.

Having a regular routine is powerful for people who experience anxiety and feel like their life is out of control. Cooking at home regularly is an important part of a healthy everyday routine, which can help us feel in control of our lives. What’s more, it can be a creative activity, and that’s proven to lift our mood and reduce stress.

While we love dining out and ordering in the occasional fast-food feast, there’s no doubt that home cooking reigns supreme. Not only does it allow us to be aware of what we’re putting into our bodies, but it also allows us to take some time away for ourselves, away from our devices and the busyness of our everyday lives.

This article was written by a freelance writer and contains ad links

Your Guide To Being Debt Free And With Good Mental Health in 2022

~ Eleanor Segall ~ Leave a comment
(image: Unsplash)

There is a strong correlation between debt and mental health which is often overlooked. According to the Royal College of Psychiatrists, 1 out of 2 adults with debts, also struggle from mental health and therefore it is something that certainly should be discussed more openly.

Not only can people with mental health such as anxiety or depression face difficulty with managing finances, but parallely, those with debt can often suffer anxiety or depression as a consequence. 

Debt can start with basic credit cards or types of personal loans and get out of control due to shopping online, gambling or by being unable to keep up by losing your job or form of income.

With 1 out of 10 Britons suffering with debt problems, circa 6 million people, it is something that we need to be more conscious about and today we offer some useful guidance and support to be debt free and have good mental health for 2022.

Speak To Your Creditors

The stress of having debt starts with the letters demanding payments and it is remarkable how such a small piece of paper can cause so much stress and anxiety. Also just the feeling of having debt in itself is a painful and uncomfortable feeling.

But one of the worst things you can do is avoid any communication with the creditor. In fact, just speaking to the creditor or company that you owe money to, can ease things. There are always options available to you if you are struggling to pay back a credit card or you are behind on a loan.

For instance, credit card companies can offer you a minimum payment, which is 10% of the balance and you can recur this each month until you want to pay in full. The fees for doing so are very, very small and there is just a tiny negative impact to your credit score – but it offers huge breathing space.

For lenders, they are likely going to be able to freeze interest, delay payment for several weeks and months or spread your repayments over a longer period of time, via something called an arrangement to pay. So whilst you will still owe the repayment, it will certainly help by being able to delay repayment until you can get back on your feet.

And just having some repayment schedule in place can stop any calls, texts or letters coming through the door and take some stress off your shoulders. 

(image: Unsplash: Towfiqu Barbhuiya).

Speak To a Professional 

If you are struggling with debt and are unsure where to turn, consider speaking to a debt professional. Not only are there lots of forums online, but there are charities who will answer you and help you for free, such as StepChange and Citizens Advice Bureau. These establishments will be very used to the types of debts and problems that you are having and they will know very quickly the best ways to calm things down and help limit any further fees and charges being applied.

Speak to Your Family and Friends

Whilst many people are too embarrassed to speak to their close circle of friends and family about their debt or their mental health, you will find enormous strength and support from the loved ones around you.

If you have some debts to pay off, you may find that borrowing money from family and friends can be a simple way to elevate this. It is common for parents to help with any debt problems and not request any interest back. You should always be planning on paying your family back though, because this is always healthy for a relationship. But certainly if you have lost your job and just need some breathing space, this can always be a viable option for you.

Don’t Be Shy to Ask For Help

Being strong in times of mental health or financial problems can sometimes add even greater stress, by just having to hold everything in or still be required to attend birthdays, pay for gifts or go to restaurants with people you love.

But being open and honest with the loved ones around you, can be one step closer to helping with your current problems and getting back on your feet.

Just Realise That Everything is Temporary

You might feel like your debt is taking over, but in reality, it may only be temporary. After all, debt is something that can be wiped out once you have repaid or part repaid.

You may want to avoid selling important things in your life, such as your house and your car, but do not be surprised how much junk is lying around the house that people are willing to pay money for. Whether it is books, CDs, DVDs or clothes, there are people on various apps, Facebook Marketplace or even car boot sales who are interested in buying these things and you could quickly gather a few hundred pounds in very little time.

You will be surprised how quickly you can get your debt sorted – and one step closer to financial freedom and better mental health.



This article was written by a freelance writer and contains links.

Self Care Ideas for Positive Change in 2021.

~ Eleanor Segall ~ Leave a comment
(image: Toa Haftaba on Unsplash)

As we move deeper into April, your new year’s resolutions may feel like a distant dream. This is because we often set ourselves large-scale goals that are hard to maintain for long periods instead of introducing small changes that will have a significant impact further down the line. 

As a result, you must understand that sometimes the smallest alterations can have the biggest impact on your life and are often the most effective when it comes to making changes. You also don’t need to wait for the start of a new year to enact them – you can get started whenever you feel ready to do so.

With that in mind, here are some easy ways in which you can put your best foot forward for the rest of 2021 – bringing around positive change in the process. 

Get to grips with your finances.

According to a recent study, around half of the adult population in the UK worry about money on a weekly basis. Therefore, one of the ways in which you can enact positive change in your life is by taking some time to get to grips with your finances – finding new ways to make the most of your money, meaning you can make penny count. This could include: 

  • Setting yourself a budget. 
  • Opening a savings account and putting a small amount of money into it each month.

(image: Feeh Costa on Unsplash)

Take some time for yourself. Sometimes, the biggest changes occur when we start focusing on self-love and development. Thankfully, there are various ways in which you can do that, such as: 

  • Focusing on being introspective, trying to understand why you may act or behave in a certain way and how you can alter your perspective of yourself and your current situations. 
  • Spending time doing something you love – whether that means exploring nature or re-reading your favourite book. 
  • Challenging yourself to try something new once a week. Whether that means you introduce a new colour into your wardrobe or pick up a new hobby. 

Participating in a digital detox. 

Tackle problems and worries head-on.

Nobody likes dealing with issues. We often try to push them aside in the hopes that they will come to a natural resolution on their own. However, this is often not the case – and many problems will intensify the longer we chose to ignore them. Therefore, by tackling them head-on – or at least starting to address them, you can continue to put your best foot forward.

For example, if you spend a lot of time worrying about events that will happen far in the future – think of everything that will happen in your life between now and then. This can help put your anxiety into perspective and teach you that you have nothing to worry about. However, it can also help you plan for the future and ease your mind.  

Make your mental health a priority and get support if needed too from a trusted GP or therapist.

This blog was written by a freelance writer

3 Things to Plan for your Future to ease your Mind.

~ Eleanor Segall ~ 8 Comments



There are many events in life that take us down different paths but there are certain things that are inevitable and some of these you can plan for to put your mind at ease. Current world events are a perfect example of some of the things that can happen as we see unexpected Covid-19 deaths and mass job loss.

But there are also things that can happen in life that we don’t necessarily want to think about or plan ahead for but they are a fact of life and shouldn’t be shied away from. By addressing some of these issues and planning for them we can ease our minds by planning for both the psychological impact and the financial burden that they can potentially place on us.

Some of the most significant events in life that we can plan for include:

  • Funeral
  • Retirement
  • Uncertain Times

Death is an inevitable part of life and can be eased with good planning while retirement can be thought of as a new chapter and we are all subject to uncertain events that can have a massive impact on our lives.

Plan for the Inevitable

We will all die and have loved ones and people close to us die as well, including parents, siblings, and hopefully not but possibly children as well as friends, relatives, and colleagues. A recent survey concluded that 20% of Americans are very afraid of dying and as such have developed a phobia of it.

However, accepting death as an inevitable part and a conclusion to your life can put a great ease on your mind. How you do this is up to you, whether it’s from a purely scientific point of view, religious or spiritual but a pragmatic approach to the eventuality of death can ease the burden of the unknown.

One of the first things you can do is arrange your own funeral process that you want to happen when you pass away. This might sound morbid, but making a plan of what you want to happen can ease the burden from yourself and more importantly your family. Not only can it ease the financial burden, which is very expensive, but the emotional as well. Your family will be in a state of grief and planning a funeral is the last thing they will want to do while stranded in the grieving process.

You could plan such things as whether you want to be buried or cremated and where, any services related to your religion and how you would like your life to be celebrated. It is becoming more common for people to forego a traditional funeral and opt for an intimate burial or cremation with their immediate family. Some providers can also arrange a payment plan well in advance of the inevitable and insurance companies offer this as part of their cover for older individuals.

Make Sure You Can Put Your Feet Up

Most of us love working, but we know that there will come a time when we can hopefully put our feet up and spend some time reflecting on a life well-lived when we retire. However, the prospect of retirement can be scary for some people because they might not know what they are going to do or whether they will have enough money.

Reportedly, 57% of retirement planning services found that running out of money was the top concern for their customers entering retirement. The great news is that there are lots of things you can do to alleviate retirement concerns with a little forward planning. Choosing the right retirement bank account can be complicated, but you can make it easier by using the ROTH IRA Calculator which will help you to make an informed decision.

One of the best things you can do is to aim to retire without any debts. Even today, the average 60-year-old has around $19,000 of debt and that is a huge burden should you be facing retirement. Debt plans should be made at as early an age as possible and you should aim for a debt-free life before 50. 

Another way of easing your mind about the financial impact of retirement is to start a pension plan as soon as you can. Many organizations and companies offer pension plans as part of your employment agreement but you should consider a private pension as well. This will ensure that you get even more money when you retire which should be adequate to live on without having to continue work, post-retirement.

Savings also play an important part in retired life as they are the culmination of your life’s work. Try not to access your savings as the more that is saved, the more you will accrue in interest so you should switch to the highest interest savings account you can and take advantage of certificate deposits and other bank bonuses. 

Nobody Knows the Future

If the worldwide epidemic of 2020 and 2021 has taught us anything it is that we can never know what life is going to throw at us. The current disaster in Texas, USA is also a tragic example of the unpredictable nature of the weather which has cost over 40 lives and left millions without access to water and basic utilities.

No matter where you live, it is good sense to plan for anything that could potentially happen, especially if you live in a particularly vulnerable place. For example, should you live near the ocean, it might be a good idea to have a plan for flooding or if near a fault line, a plan for earthquakes.

But it isn’t just natural disasters that we should be mindful of. Financial disaster can also befall anybody such as with the 2008 crash or the current economic conditions brought on by Covid-19. The Asia-Pacific region, for example, has seen 81 million people lose their source of income because of the impact of the virus.

It is always a good idea to plan for your future if you are able to and save what you can when you can as a little extra can go a long way. Should you lose your job due to cuts or other reasons, it is likely you will be out of work for some time with the average time between jobs being 4 months. We are of course aware that mental ill health can mean you are out of work or have less money to be able to save so this is just a guide..

These life events can all be stressful and impact on your mental health, so make sure you reach for help should you need it from your doctor or a therapist.

This article was written by a freelance writer.

‘Out of Office Ditch the 9-5’: An Outstanding new book by author Fiona Thomas.

~ Eleanor Segall ~ 1 Comment

(image: Fiona Thomas/ Trigger Publishing)

Out of Office: Ditch the 9-5 and Be Your Own Boss, by my friend and author Fiona Thomas is an incredible read! I have known Fiona for some time as our writing careers overlapped. We both became freelance journalists for publications including Metro.co.uk and Happiful magazine at the same time. We then got book deals around the same time with Trigger Publishing and released our first books within a year of one another. Fiona is one of the loveliest humans in the mental health writer world and so I eagerly anticipated reading her new book.

Ostensibly, the book is a guide to ditching the 9-5 traditional workplace and going freelance! This is something Fiona has great knowledge of, having left the 9-5 after a breakdown in her 20s and being diagnosed with depression and anxiety. It took her a year to recover from this and as she had previously worked as a Manager, she knew she couldn’t go back to the pressure cooker. You can read more about this in her first book Depression in a Digital Age.

Instead, like me, she found solace in blogging online about mental health, then writing and becoming a freelance writer for many publications. Now, she is not only an author but a writing coach, journalist and in demand speaker!

Freelancing is booming for people who want a more flexible lifestyle or have found themselves out of work too. All you need is a laptop, phone and internet connection!

(image: Fiona Thomas)

Now, to the book Out of Office. The book is full of Fiona’s trademark wit- I felt like she was talking directly to me as I read it. She has so much knowledge to impart on how to navigate the freelance world, avoid its pitfalls and make a successful career (and what to do when things can go pear shaped too!).

Whether you are just thinking about going freelance, just starting out or a few years down the line, this guide addresses all the questions you might have about working for yourself and making the most of life. Designed to help you attain and enjoy a self employed career, the book challenges the misconceptions around freelancing and offers the pros and cons of taking the plunge.

Fiona covers topics such as how to raise an invoice and submit a tax return, how to sell yourself, coping with imposter syndrome (aka I’m just not good enough to be here), as well as why working from home is proven to have a positive impact on productivity and mental health.

Fiona is a mental health advocate and always strives to help others on their journeys. I loved how engaging the book was, how I couldn’t wait to read the next chapter and learn more. As a freelance writer/blogger/author myself, I knew this book would help me too (especially with the finances) and it is sitting in pride of place on my book shelf as I devoured it. I will definitely re read and use Out of Office as a reference point in the future too.

This is a must read and you can get a copy here and in all good bookshops.

About Fiona:

Fiona Thomas is a freelance writer who was born in Glasgow but now lives in Birmingham. She has been published in Metro, Reader’s Digest, Happiful Magazine and Grazia. Her passion is working with female-led businesses and shining a light on the positive impact that freelancing can have on our wellbeing. This is her second book. She blogs at fionalikestoblog.com

5 Things that could be triggering your Depression by Samantha Higgins.

~ Eleanor Segall ~ 6 Comments

iforherimage

(image: Iforher.com)

Almost everyone goes through an episode of depression at some point in life. For some, the problem is severe and protracted. During the episodic depression, bouts leave you feeling hopeless and exhausted, making it difficult to be productive and present in your daily life. Although depression is a severe health condition, treatment brings hope to the affected. Once depression symptoms are controlled, knowing common triggers and how to avoid them can save you from a depressive episode.

It is important to seek help in the form of treatment from a doctor- whether that is medication or counselling.

Feeling Overwhelmed

When you feel that stressors, such as tight deadlines, are too challenging to manage, you become overwhelmed. Emotional overwhelm is more than feeling stressed. It means you are completely submerged by emotions and thoughts about your current problems, to a point of feeling paralysed.

It is a scary and confusing experience that might leave you with limited functionality and an inability to think and act rationally. Whether caused by stressful times at your workplace or traumatic experiences of loss, overwhelm can trigger depression. Minimise depression triggers by knowing your limits and boundaries of what you can take in and what can cause overwhelm. For overwhelming tasks, break them down into smaller, manageable tasks for you to complete in steps.

 

Financial Worries

Money woes are a common source of stress that can cause a depressive episode. Focus on projects that increase your financial stability like side hustles. Avoid concentrating on what you do not have since it increases your worry. Customize your budget and do regular reviews to stay aware of your cash flow and financial situation.

Create a savings plan and make monthly deposits to the account so that you are less worried about the future. Go for local events that are free or cost-effective so that you can socialise at a budget. Remain engaged with your hobbies or spend time with loved ones to avoid overthinking about your financial situation.

Seek support from your doctor, if needed.

 

Alcohol Abuse

Some people indulge in alcohol and other substances to cope with depression. Most are drawn to alcohol’s sedative effects to help distract them from feelings of sadness. While alcohol can relieve some of depression’s symptoms in the short term, it can worsen depression in the long run.

As a person experiences the financial and social consequences of alcohol misuse, their worries increase, and relationships deteriorate, leading to an episode of depression. This leads to a vicious cycle of alcohol abuse to self-medicate some symptoms of depression. If taking antidepressants for depression, avoid alcohol since the depressant effects of alcohol counterattacks the effectiveness of antidepressants.

 

Poor Sleep Habits

There is a direct relationship between poor sleep and depression episodes. People that sleep less than six hours and more than eight hours have a high risk of experiencing recurrent depressive episodes than those who sleep the recommended six to eight hours. Practice good sleep habits, such as maintaining a consistent bed and wake time.

Turn off all electronics hours before bedtime to avoid overstimulation for better sleep. Reduce any source of discomfort, such as an old mattress. Look for the best adjustable mattress bases for maximum comfort and relaxed nighttime. Take a warm bath, meditate, or have a warm glass of milk to help you fall asleep fast.

 

A Poor Diet

Dietary habits can lead to depressive episodes. Consume more healthy foods with a focus on whole foods and fresh fruits and vegetables for improved mental health. Limit processed and refined foods, including junk and fried foods. Look for foods high in selenium like whole grains and Brazil nuts to reduce anxiety and improve mood, making depression manageable.

Go for vitamin B sources such as egg, poultry, fish, and lean meat as they help to reduce the symptoms and risk of mood disorders, including depression. Eat food rich in zinc or use zinc supplements to enhance the effectiveness of antidepressants for better depression management. Hydrate regularly with water or soft drinks for better moods.

Depression can be life-changing due to frequent worries, but treatment- medication and counselling can help manage the disorder. Make lifestyle modifications such as a healthy diet, better sleep, and less worry for improved well-being. 

 

This guest blog was written by Samantha Higgins.

            

 

Bamboo sheets- A potential cure giving better quality sleep and less Anxiety at night.

~ Eleanor Segall ~ 2 Comments

 

cosyhousecollection1

(image: Cosy House Collection)

With around 33% of people getting less than the recommended amount of sleep (less than 7 hours), many have turned to using bamboo sheets as a way to cool them down in the warmer months and reduce sleep stress and anxiety.

We are all getting worse quality sleep year-on-year, no doubt impacted by the intense box sets we watch on Netflix just before bed, blue light coming from our phones, ongoing stress and money woes.

The start-up and tech industry is seeing a wave of new inventions to help with sleep, from cooling pyjamas, weighted blankets, noise defenders and sleep monitoring apps.

However, one of the latest products to win over sleepers is bamboo sheets and pillow cases. This soft and light fabric is quickly being the first choice over traditional cotton or linen.

Bill Fish, the co-founder of sleep resource, Tuck, explains: “Our first choice when looking for breathable sheets is linen. It tends to be cooler than cotton, but more importantly the quality of the fabric can look and feel good for years to come. If you are looking for eco-friendly breathable sheets, bamboo is an excellent choice. It is hypoallergenic, and also feels gentle to the touch.”

Bamboo, made from the bamboo plant, is known for being light, comfortable and its properties are soft and breathable. Being thermo-regulating, bamboo works by keeping cool in the heat, and staying warm in the cold, making it perfect for summer and winter and something that you can use all year around.

The breathability of bamboo should help those with stress and anxiety, which is unsurprisingly the leading cause of insomnia.

In addition to helping people sleep through temperature control, bamboo sheets are hypoallergenic and can help produce better quality sleep by reducing stuffiness of the nose and head.

Bamboo sheets and pillow cases may not be the full answer for a bad night sleep or ongoing sleep issues – however, it is should certainly be seen as way you can optimise your sleep and living surroundings, in addition to the right lighting and avoid using your phone before bed.

Other notable methods to improve sleep quality including avoiding caffeine and alcohol up to 8 hours before you go to sleep, adjusting the light in your room, reviewing your mattress or speaking to a Doctor for professional advice.

Bamboo sheets are available from Cosy House Collection for less than $60 (£50) and includes one fitted sheet, flat sheet and 2 pillow cases.

This blog was written by Cosy House Collection for quality luxury yet affordable home essentials.

How Debt can have a huge impact on your Mental health by Ian Sims

~ Eleanor Segall ~ 1 Comment

debt1

(image: Money Under 30)

With the coronavirus outbreak, it is a worrying time for many of us financially. With that in mind, today we would like to share this about debt and mental health: 

Worries about money can hugely influence your overall wellbeing. A study conducted in 2019 showed that 9.5 million people in the UK have issues with their mental health, in direct relation to money woes, whilst a staggering 18 million worry about lack of money daily (source:N26).

How mental health impacts your finances

Research conducted by National Debtline indicates that approximately one in four adultswill experience an issue with their mental health within any given year. It is worth noting mental health incompasses a range of conditions and experiences, including:

● Anxiety

● Depression

● Bipolar disorder

● Phobias

● Schizophrenia

● Dementia

It is also worth highlighting that having a mental health issue or condition does not automatically mean you will struggle with finances or debt. However, it may make it harder to deal with. Research indicates that around half of all adults in the UK who are having debt problems also have a mental health issue (source: National Debtline).

It can causes a vicious cycle of problem health and finances

Unfortunately, feelings of stress, anxiety and even depression relating to growing fears about lack of money can lead to a vicious circle. It can impact your finance management abilities in a variety of ways. For example, serious anxiety or depression may cause you to lose energy or avoid your debt entirely. This may lead someone to avoid keeping up to date of their finances.

Problems with mental health could also affect finances if it means that it reaches a serious point where the person is required to take time off work. Depending on their individual circumstances (such as whether they are entitled to sick leave or not) this could mean a sharp reduction in their income. Unfortunately, this might have the unintended impact of making their mental health worse.

Other signs that debt is causing an impact on one’s health mentally include:

● Become overwhelmed or sick at the thought of the debt you are in

● Starting to withdraw completely from family and friends due to debt anxiety

● Symptoms of preexisting mental health conditions such as depression, are worsening

● Struggling to eat properly

● Struggling to sleep

● Regularly underperforming at work

What you can do if you are in debt and struggling with mental health

Do not suffer in silence, there are a number of places you can turn to that are confidential and free. This includes services such as the Samaritans or Mind. There are also debt charities dedicated to providing advice on how to get out of your debt, such as StepChange and National Debtline.

If you are looking to lower or consolidate your debts, you can look at debt management companies, but please note that they make take a fee for using their services

If you need help in the current crisis with getting Universal Credit or other welfare benefits for job loss or want to know more about managing your finances, check out the government and money websites such as MoneySavingExpert by Martin Lewis.

This blog was written by expert and freelance writer Ian Sims.