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

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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.

Three Years of My Book ‘Bring Me To Light: Embracing My Bipolar and Social Anxiety’ by Eleanor

💜 Three years 💜

Three years ago my book ‘Bring me to Light: Embracing my Bipolar and Social Anxiety ‘was published by Trigger and Welbeck Publishing Group💜

I hope that by sharing my story (and my Dads too) that it helps you or someone you know going through mental illness. I hope that it shone a light on the dark, gritty parts of bipolar that many will never experience. And I hope that my book also shows the happy parts; recovery, that you can live and thrive again.

Bipolar is a complex and messy condition. It can ruin lives. There is no sugar coating. But you can be well too if you can find the right balance of medication and therapy…which is trial and error.

Thank you to every person who read it, reviewed it and got in touch to tell me their own journey.😍 Please continue to share and gift it to someone who needs it.

If you havnt read my story yet; the book is available in Amazon, Waterstones, WH Smith; Blackwells and is available in the USA and Europe.

Thank you to all of you who have supported me – it means the world.

Click here to get yours :

Tips for Identifying and Overcoming Seasonal Mood Changes by Brian Thomas.

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Seasonal affective disorder (SAD) is a type of depression that some people experience with the changing of seasons. Usually, it is associated with the transition from fall into winter, but it can also happen during the summer. Either way, there is a noticeable pattern with signs of SAD due to many external factors. Here are some ways you can identify SAD and work to overcome some of the symptoms. 

Spend Time Outdoors 

SAD is thought to be caused by fewer hours of sunlight due to the shift of the planet’s position going into the autumn and winter months. It is also believed to be linked to the production of melatonin, a hormone that we produce when it is dark outside. Not getting enough sunlight can affect your mental and physical health. Therefore, it is important to remember to get outdoors and soak up the sunshine even during the colder months. 

Snow activities, such as snowshoeing, skiing, and sledding are all fun ways to spend time outside in the cold, if you’re in a country where you have snow. Weather permitting, a walk around the neighbourhood is a more manageable daily outdoor activity that you can do with a furry friend or family member.

Not only will you be able to maximise your vitamin D intake, but you will also be able to spend quality time with your walking partner. If you’re finding it difficult to leave the house to get your vitamin D, consider taking a supplement or buying a sun lamp. 

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Increase Exercise 

Exercise can help boost energy levels by producing endorphins, giving you that “runner’s high” feeling and keeping your SAD symptoms at bay. Some of the outdoor activities listed above are also great methods of exercise, but if you can’t get outdoors to get active, have no fear. There are many at-home workout videos on the internet that you can follow along with. Whether it’s yoga, Pilates, or HIIT, find what works for you and get into a routine. 

If getting outside of the house is high on your priority list this time of the year, we hear you. Try taking a tour of a local fitness center or gym that you’ve never been to. You may find that you enjoy being around other people who are as motivated to move as you are. Not every “New Year’s Resolution” has to start on January 1st, you can set goals on your own time.

Seek Professional Advice 

If you feel like you’re experiencing more than just a case of the blues, consider talking to your doctor or therapist about next steps. Medication may not be right for everyone, so it is important to consult with your healthcare professional about what is best for you. These conversations are not always easy to have, but keep in mind that your mental and physical health always come first. 

If addressing your mental health seems intimidating or you don’t have a therapist, consider an online teletherapy service. Over the past few years, virtual appointments have grown in popularity because of their practicality. Many people feel more comfortable in their homes than in an office,which is important for a productive session. 

Get Creative 

Writing and journalling are two ways to get your thoughts onto a page and out of your head. This tip is especially important to consider if you feel like you’re stuck in a creative rut. You can draw, write fiction, or find prompts to follow online.

Gratitude journalling is a great way to reflect on what you are thankful for in your life and is especially relevant with Thanksgiving coming up. This holiday season, consider sending a Thanksgiving card to the people in your life that make you feel grateful. It will make them feel appreciated and you are sure to feel good about it too. 

You can even try a meditation colouring book. In the past, it may have seemed like an activity meant for a younger group. But now, it is gaining popularity because it can be calming and a great way to focus your mind for a while. When you’re finished, you’ll have a piece of art that you created and can hang up wherever you’d like. 

During these cooler and busier fall and winter months, it is important to make time for yourself and your mental health. SAD is not something to be ignored or swept under the rug. If you are looking to read more about mental health, check out our other blog posts! 

Disclaimer: This article is intended for educational purposes only and does not constitute medical advice. Consult a medical professional if you are seeking medical care or treatment. 

Brian Thomas is a contributor to Enlightened Digital. He enjoys reading and researching tech and business. When he’s not looking into the latest trends, you can find him out cycling.

Dealing With Dental Anxiety At Your Next Appointment by Lizzie Weakley

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Dental anxiety is extremely common. If you’re one of those people, don’t worry—you’re not alone. There are a number of things you can do to ease your anxiety and make your dental appointment more comfortable. Here are five tips on how to not be nervous for your upcoming dental appointment.

Talk to Your Dentist

One of the best ways to ease your anxiety is to simply talk to your dentist, like those at Dentologie. They understand that dental anxiety is common, and they will be more than happy to work with you to make sure you’re comfortable during your appointment. Let them know what your concerns are and what you need to feel more relaxed. They may be able to offer you a numbing agent or sedation dentistry options to help you through your appointment.

Focus on Your Breathing

Another way to ease anxiety is to focus on your breathing. During your appointment, take deep, slow breaths in through your nose and out through your mouth. This will help you stay calm and relax your body.

Visualize a Relaxing Scene

If focusing on your breathing isn’t doing the trick, try visualizing a relaxing scene in your mind. It could be anything from lying on the beach to taking a walk in the park. Close your eyes and take yourself away to this peaceful place until your appointment is over.

Listen to Music or an Audiobook

Listening to music or an audiobook can also help take your mind off of what’s happening during your appointment and help you relax. Make sure to bring along headphones so you can completely tune out of what’s going on around you.

Give Yourself a Hand Massage

Finally, try giving yourself a hand massage during your appointment. This can help relieve some of the tension you may be feeling and make you feel more relaxed overall. Simply massage each finger with the thumb of the other hand, working from the base of the finger up toward the nailbeds.

Dental anxiety is extremely common, but there are a number of things you can do to ease your anxiety and make your dental appointment more comfortable. Simply talking to your dentist, focusing on your breathing, listening to music or an audiobook, or giving yourself a hand massage can all help reduce stress and make your next dental visit more enjoyable. Try one or all five of these techniques next time you have a dental appointment and see which ones work best for you!

This article was written by freelance writer Lizzie Weakley.

Small But Powerful Ways To Improve Your Mental Health.

Photo by Anastasiya Gepp

How many people do you think are currently struggling with their mental health and want to know how to improve it? The answer will probably surprise you; around a quarter of the population have a mental health disorder, and this can either be minor or something that needs serious medical attention. 

That’s a huge number, and it could be that you are one of these people. If that’s the case, it’s crucial to know what you can do to improve your mental health and ensure that you start to feel better. Of course, medication and therapy can be the ideal solutions in some cases, and it’s important to see a medical professional for help no matter what. However, if you can do as much as you can at home to help yourself, things will get a lot better.

Read on for some useful suggestions about some small but powerful ways to improve your mental health.

Take Mental Health Breaks Throughout The Day

If you’re feeling as though you’re struggling with your mental health on any given day, you should be able to take a mental health day. This means staying home and doing what you need to do to feel more positive. This will be down to you, but some people like to go for walks in nature, catch up on sleep, read a book, enjoy a spa day at home, and so much more. 

However, if you can’t take a whole day for any reason (although it’s wise to try if you can), taking a mental health break of anything from ten minutes to a couple of hours is the next best thing. When you are starting to feel overwhelmed, take some time for yourself. Not only can you protect your mental health in this way, but taking breaks when you’re busy can actually make you more productive rather than put you behind because when you get back to what you were doing, you are more focused and feeling healthier. 

Look For The Positives

As much as we all love technology, sometimes it serves as a negative force in our lives. Social media, 24-hour news feeds, online newspapers, and even channels like YouTube, can offer us a glimpse of the bad things that are happening around us, and when you have a mental health disorder, this can make things worse. Even if there are positive things happening, it can be hard to see them through all the negative things. 

However, in order to improve your mental health, it’s important to change things and ignore the negative to see the positive. The easiest way to do this to begin with is with your own life. Stop scrolling through social media if you know it upsets you and makes you angry, and instead focus on the good things all around you. That could be anything, no matter how small. Perhaps you notice a flower blooming. Your coffee might be delicious. Your little one might make you laugh now that you’ve seen ways to help your baby rollover. There are hundreds of tiny but important positive things happening all around you all the time. When you are feeling down, look for them. This will help to make you feel better, but it will also distract you from your feelings, and that will improve your mental health as well. 

Ask For Help When You Need It 

They say that communication is the cornerstone to a healthy relationship, and that is true not only with other people but also with yourself. If you trust your partner or a friend, it might help to talk about some of the problems you’re having and get those concerns out of your brain. This can help make things clearer. It’s important to keep the lines of communication open when you feel safe to do so. Emotional stress can sometimes make other problems worse in your relationships with your spouse and other people.

And if you feel like you can’t talk about your mental health, there are multiple types of therapeutic interventions that might help you work through some of the problems you’re having.

When you start to feel like you can’t handle day-to-day tasks or when you often think bad things about yourself or other people, it might be time to ask for help or talk to someone about what’s been going on.

Exercise Every Day

When you stay active and work out every day, your blood flow improves all over your body. With more oxygen in your body and more blood flow, you feel more energetic, fresh, and mentally alert.

If you work in an office, it’s even more important to exercise and do other physical things. Exercise not only keeps our bodies in good shape, but it also keeps our minds in good shape. You don’t have to pay a lot to join a gym to do that. A simple walk is all you need. The most important thing is to do this every day. 

Exercise is good for your mental health, but it also makes your bones and muscles stronger, which keeps you from getting hurt while working out or running errands. Since being injured can be a terrible thing for your mental health, exercise can help in this way too. 

Expose Yourself To Sunlight (Carefully)

A lack of vitamin D can lead to a number of mental health problems, like Seasonal Affective Disorder, or SAD. When you go outside in the sun, your body releases endorphins, which are also known as “happiness hormones.” These hormones make your brain work better.

So, take a break from your normal routine (which we already know is a good thing to do) and go outside. But make sure you wear sunscreen so you don’t get a sunburn.

Learn To Live In The Present 

When a person stays stuck in the past, they are more likely to have mood swings, depression, and anxiety. Negative self-talk like “Why did people do this to me?” steals a person’s happiness and makes them miss opportunities in the present. Try not to think too much about the future and learn to live in the present. By doing this, we can be much more prepared for anything that might happen in the future, so there is no need to worry about it.

This article was written by a freelance writer.

Non Traditional Therapeutic Services To Try For Anxiety by Brooke Chaplan.

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If you’re struggling with anxiety, you may be looking for non-traditional therapeutic services to help you cope. Anxiety can be a debilitating condition, making it difficult to function in day-to-day life. While there are many traditional treatments available, such as medication and therapy, sometimes these aren’t enough. If you’re looking for something different, there are a few non-traditional therapeutic services you can try. 

Acupuncture Therapy 

One non-traditional service that has been shown to be effective for anxiety is acupuncture. Acupuncture is a form of traditional Chinese medicine that involves inserting thin needles into the skin at specific points on the body. This is said to help improve the flow of energy and promote healing. 

There is some scientific evidence to support the use of acupuncture for anxiety. A study published in the Journal of Alternative and Complementary Medicine found that acupuncture was effective in reducing anxiety symptoms in people with a generalized anxiety disorder (GAD). If you’re interested in trying acupuncture, be sure to find a qualified practitioner. It’s important that the needles are inserted correctly to avoid any complications. 

Additionally, if you are depressed, self harming or having self harm thoughts, this may not be an appropriate therapy for you at that time.

Virtual Reality Therapy 

Virtual reality (VR) therapy may be among the newest types to seriously consider. Professionals like AppliedVR are companies that specialize in providing virtual reality therapy for various conditions, including anxiety. Their approach is based on the theory that VR can help to desensitize people to their fears and phobias. 

Numerous studies published in the Journal of Cyberpsychology, Behaviour, and Social Networking found that VR exposure therapy was effective in reducing symptoms of a variety of anxiety types. While more research is needed, VR therapy shows promise as a treatment for anxiety and many other conditions. If you’ve tried a list of other treatments that haven’t helped, this could be an opportunity to try something innovative. 

Herbal Supplements 

Certain herbs have been used for centuries to help treat various health conditions including reducing anxiety. It may be worthwhile to meet with a local herbalist to see what is recommended for anxiety, and of course, consult with your doctor before taking any supplements. If you get the green light from your doctor, just be sure to buy quality supplements from a reputable source to avoid any adverse effects. 

While these are not the only non-traditional therapies you can turn to, they are some great ones to begin with. Finding ways to manage anxiety can be a challenge, but it’s important to keep trying different things until you find what works for you. Don’t give up hope and remember that there are many options available. 

This article was written by writer Brooke Chaplan.

Looking Out For The Wellbeing Of Elderly Parents From Far Away.

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Distance should never keep you from ensuring your elderly parent is safe and living a good life. This blog post will discuss some tips on how to look out for your elderly parent from far away. While you cannot be there with them every day, these tips will help you ensure they are living comfortably and safely.

1) Check in regularly

The first step to take is to ensure you are checking in with your parents regularly. This can be done via phone, text, email, or video chat. Ask them how they are doing and if they need anything. If possible, try to schedule regular check-ins, so you always have a set time to catch up.

In addition, it can be helpful to set up a check-in system with other family members or friends who live close to your parents. This way, if you are unable to check in for a period of time, someone else can check for you.

2) Stay updated on their health

As we age, our health can decline quickly. It is important to stay updated on your parent’s health so you can catch any problems early on. Make sure you know their current medications and dosages, as well as any allergies they may have.

You should also know their medical history, including any chronic conditions or surgeries they have had in the past. This information will be helpful if your parents need to see a doctor while you are not there.

3) Know their financial situation

It is also important to stay updated on your parent’s financial situation. This includes knowing how much money they have in the bank, as well as any debts they may have. If your parents are having trouble paying bills, you may need to step in and help out financially if you are able.

If your parents live in their own home, it is vital to help with home maintenance, if your parents need it. This can include tasks such as yard work using a battery powered snow blower for snow removal, and making repairs around the house. If your parents are unable to do these things themselves, you may need to hire someone to help out.

4) Consider a care home

If your parents are having difficulty taking care of themselves, you may want to consider a care home. Care homes can provide around-the-clock assistance with activities such as bathing, dressing, and eating. They can also help with medication management and provide transportation to doctor’s appointments. Of course, putting your parents in a care home is a big decision that should not be made lightly. You will need to weigh the pros and cons carefully before making a decision.

If you are concerned about their mental health as well, its important to raise any concerns with other family members and their doctor if appropriate.

5) Make sure they have an emergency plan

It is important to make sure your parents have an emergency plan in place in case something happens when you are not there. This plan should include a list of emergency contacts, as well as instructions for what to do in case of an emergency.

In conclusion, these are just a few tips on how to look out for your elderly parent from far away. While you cannot be there with them every day, these tips will help you ensure they are living comfortably and safely.

This article was written by a freelance writer.

How To Stay Emotionally Healthy During A Divorce: by Lizzie Weakley

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When you are in the midst of getting divorced, you may be surprised at just how much it will drain you emotionally. Whether you have been married only a short period of time or perhaps for decades, knowing you will soon be divorced can be a scary thought that may leave you very depressed, which can result in you making poor decisions as your divorce moves forward. If you want to emerge from your divorce with some emotional health, here are some steps you should take along the way.

Don’t Stay Isolated

As your divorce process moves forward, don’t make the mistake of staying isolated. Instead, stay in touch with your family and friends. If your social network is now cut in half due to your divorce, make new friends by perhaps attending church/synagogue or learning a new hobby- whatever feels right for you.

Don’t Blame Yourself

When couples divorce, it is not unusual for one spouse to blame themselves for the marriage breaking up. Even though there is usually fault to be found on both sides in most divorces, this does not mean you should continually beat yourself up emotionally day after day about your marriage ending. Instead, you need to accept that it happened, plan your future, and try to move forward as best you can. You should reach for support if you need it.

Write Down Your Thoughts

During your divorce, you will be having plenty of meetings with your divorce lawyers and others as well. Needless to say, you may feel a bit drained at the end of the day. If you have plenty of thoughts running through your mind, take some time to write them down in a journal. By having the chance to express your innermost thoughts in this manner, it can be a great way to relieve stress and keep your emotions in balance. Another option would be to talk about your feelings with a therapist when you are ready.

Take Care of Yourself

Last but not least, taking care of yourself physically will play a big role in keeping you feeling ok emotionally. Therefore, you should eat healthily, exercise regularly, and treat yourself to something special now and then, such as dinner at your favourite restaurant, a relaxing vacation, or getting pampered at a day spa. By doing so, you will find many things that were eating away at you will suddenly not seem nearly as important. Self care is vital in the aftermath of a relationship breakdown.

Though you may wonder what the future will hold for you after your divorce is final, looking after yourself and your mental health will pave the way for a new chapter in your life.

Lizzie Weakley is a freelance writer, based in the USA.

How To Help Your Older Relatives Take Care of Themselves (And Look After Yourself Too).

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As we get older, so do our parents and grandparents. This comes along with new challenges, such as health problems that crop up and new aches and pains that make seemingly simple things more difficult. 

Eventually, it may reach a point where your older relatives need some help in their daily lives. This doesn’t mean that they can’t have any independence at all, but they might need some extra support. One of the tricks to helping your older loved ones is to find the balance between being helpful and completely taking over. 

Be Alert

As your family members start to age, it’s important to be alert to potential health conditions. For example, you may notice that your relatives are struggling to keep up with conversations or ask you to repeat yourself often. They might have suddenly started using closed captions when watching television, or turning the volume up. These are typically signs of hearing loss, which is a common symptom of old age.

If you’re alert to these issues, then you can mention them quickly and help your family to navigate through such challenges. The sooner that you catch something like hearing loss, the sooner that your relatives can get the treatment they need.

This is even more important when you’re concerned about a more serious health problem, such as dementia. If you catch a severe health concern quickly, then you can adapt your lifestyle and work out the best way to help your older family members. 

Practical Assistance 

There’s also practical, day to day assistance that you can offer to your family as they get older. Sometimes this means simply spending some time with your elderly relatives, as loneliness can become an epidemic for older people. 

It’s important that your relatives remain as independent as possible as they get older. Assistance devices, like stairlifts, are a fantastic way to allow people to look after themselves despite any new limitations. Stairlifts can allow older or disabled people to use their whole homes without any risks, and can also be helpful for carers to get those under their care up and down the stairs.

Cooking meals for your older relatives and offering them lifts to doctor’s appointments or other days out are small ways that you can make their lives a lot easier. Some people are resistant to asking for help, so you may need to offer to lend a hand.

Looking After Yourself

As the needs of your older relatives get more complex and demanding, you may find yourself transitioning to the role of a carer. This is a difficult situation for everyone involved, and it’s important that you don’t neglect your own mental and physical health. 

Self-care for carers prevents burnout or other issues that can negatively impact your life and the lives of those who depend on you. If possible, get help in the form of nurses or carers who can take on some of the hard work, allowing you to focus on being there for your family. 

This article was written by. a freelance writer.

Managing Mental Health When You Start College Or University.

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Going to college or university is one of the most exciting life events we experience, but it can also be one of the most daunting. This is a period of upheaval and change, which often triggers a mixture of emotions. If you’re preparing to start a new course or move to a different town or city, here’s a handy guide to managing mental health.

Make your new base feel like home

One of the best ways to settle into a new area and adjust to a different routine and environment is to make your new base feel like home. Whether you’re living in student accommodation or you’re renting a flat or a house, try to be proactive in creating a homely, welcoming feel. Decorate your bedroom and turn it into a sanctuary that makes you feel relaxed and calm. Put photographs up on the walls, use soft furnishings to add a cosy feel and choose colours that you love. Create a space that celebrates your style and personality and makes you feel safe and comfortable. 

Socialise

Making friends is one of the biggest challenges for students. Some people are naturally very sociable and they’ll start conversations and build relationships without even thinking about it, but for others, creating bonds is more difficult. Try to socialise and meet people through activities, lectures, classes and group sessions and societies and clubs. Use your hobbies and interests to find people with shared passions and don’t panic if you don’t click with the people in your flat or on your course immediately. Keep putting yourself out there and you’ll find your crowd. It’s important to be yourself and to find friends who make you feel confident and valued. You shouldn’t feel like you have to change or put on an act. 

Look after yourself

Going to university is synonymous with partying, staying up late and embracing the experience of living in student halls. It’s fun to go out and enjoy a few drinks with new friends, but try to look after yourself as best you can. Get enough sleep, stay hydrated, keep an eye on how much you drink and try to follow a healthy diet. Exercise daily, spend time outdoors, hang out with friends and keep in touch with family members. 

(image: Pexels Pixabay)

Don’t be afraid to talk

It can be incredibly stressful to start a new life at university, especially if you’ve never been away from home before, or you find it hard to make friends. If you’re struggling with your mental health, or you feel anxious or low for a prolonged period, don’t be afraid to talk. Open up to friends you trust or relatives, speak to your GP, or research resources you can access through your college or university. It may also be helpful to speak to others who are in the same boat via online communities and social media groups. There are also free helplines you can call such as Samaritans 116 123 (UK).

Going to college or university is an adventure, but it can also be an upheaval. It’s crucial to look after yourself and manage your mental health. Socialise and make friends, create a happy, calming home environment and take care of your body and mind. Talk to people and seek advice if you are finding life tough. 

This article was written by a freelance writer.