Tag: finances

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

~ Eleanor Segall ~ Leave a comment

(image: Hasan Albari: Pexels)

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, 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.

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.

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.

            

 

Self Care Tips for 2020: Guest blog by Anthony L.

~ Eleanor Segall ~ 2 Comments

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(image: Pexels)

Now that we are well into 2020 and the landscape seems to be changing every day. Social distancing, quarantine and pandemic are words that would have been foreign in the beginning of 2020 but have now become the new normal. Even though things are changing and it is easy to feel frustrated and disappointed, try to reflect on ways to care for yourself, no matter what the remainder of the year brings because self-care is one of the most important things you can do for yourself.

Set a routine

It is important to maintain a routine even though you might be staying home more than ever. Even though it might be tempting to stay in pajamas all day and wait to eat breakfast until the afternoon, sticking to the smallest parts of your old routine such as getting dressed and putting on makeup in the morning can give you that jolt of motivation you need.

Make sure to be intentional about planning your day and what you want to accomplish by setting a routine to stick to. Include time to get dressed, work, cook meals, do housework and some time for hobbies and leisurely activities that you enjoy (even if the way you do those things has changed a bit). 

Change your spaces

One of the primary areas that can fuel your energy and attitude are your surroundings. When being stuck inside all day, it’s easy to lose motivation in the same space you function in every single day. Enlighten yourself by shaking things up. Add some new decor or declutter and organize your home or apartment. With all of the additional time on your hands, it’s the perfect opportunity for some much-needed change. 

Start with a room you normally spend time in or one that you don’t. Begin by going through every item within and get rid of things that are no longer valuable to you. Then, re-organise what you plan to keep into a designated home. After you have re-organised everything you own, completely change your scenery. Get out of the house for some fresh air by taking a walk around your neighborhood or going for a drive.

Check up on your finances

Now that you may have more free time at home, it is a good time to check up on your finances. Start by setting a new budget to account for the changes in your lifestyle. For example, if you are spending less on gas and parking to commute to work but are spending more on grocery delivery, make sure to be mindful of this on a monthly basis. This is also a good time to tackle some financial goals you may have had but never got around to doing before.

For example, a good way to secure some peace of mind during uncertain times is to shop for a dependable life insurance plan if you do not have one yet. Purchasing a life insurance plan is a responsible money move to make and gives you and your family added protection. Sometimes it can be difficult to navigate the space of life insurance, which is why it can be an easy task to put off. If you find the right tools to simplify the process, however, the task becomes much more manageable and doing so during these uncertain times can be a good way to relieve some overarching stress you may have about finances. 

Try out a new hobby

When being at home and in the middle of balancing work and personal life, it can all easily blend together. One way to prioritize your “me” time is diving into learning a new hobby that you have always wanted to try but never had the time to do. Finding something new to explore is the best way to do something entirely for yourself. Whether it’s learning a different language you always wanted to learn or learning a new recipe, now is your time to begin. Watch YouTube videos with step by step instructions of recipes you want to try, or download a language teaching app, such as Babble.

You could also make a new fitness goal for yourself. Maybe try yoga, pilates, weight-lifting routine, or running. Exercise is the perfect outlet to investigate because it will contribute to a positive mind, body, and soul.  

Get creative

Being creative can look different to everyone. For some, this might strictly mean doing arts and crafts. However, there are several other platforms and actions that rely heavily on your personal imagination—for example, knitting, singing, painting, designing, doing puzzles, photography, scrapbooking, playing an instrument, sewing, gardening, upcycling, and more. 

Whatever leisurely activity you love becomes your outlet to be creative. When you do something you enjoy, your mental wellbeing benefits. Experts suggest that by being creative, you are able to submerge yourself within that task and distract your mind from anything that might have been bothering you. You ultimately manipulate your brain into a meditation-like state. Your heart rate decreases and your mood will be boosted because your brain releases something called dopamine. Also known as, “the feel-good chemical.” Without even knowing it, you’re putting your mind at ease while doing something you love during these uncertain times. 

Manage expectations

During these unpredictable times, it can be easy to think about plans you may have had that you have had to change or cancel. Thinking back to these events can lead to disappointment. This is a completely normal feeling, but remember to try not to dwell on the disappointment. Because the times have changed, it is important to change your expectations as well and try your best not to get hung up on the things you can’t control.

For example, if you are now working from home, don’t try to compare your current productivity to your productivity prior to the pandemic. Or if you are a parent now teaching your children at home, you don’t need to be keeping them engaged at the same pace as their teachers in school do. This is all new, uncharted territory and adapting to this new way of life will take time and patience. If you don’t manage your expectations, you set yourself up for disappointment so try not to be overly critical of yourself.

Keep an open line of communication

During stressful times, it is helpful to keep an open line of communication between friends and family. Even though you might not be able to be physically present in each other’s lives, you can take advantage of the technology that we do have to keep in contact with them. Group FaceTime, Zoom and virtual fitness classes are just a few ways to stay socially connected to help your mental health while being quarantined. If you find that you are particularly struggling, remember that most doctors are offering telemedicine so you can still keep appointments and talk to a professional who can help if you are overwhelmed.

Even though there is uncertainty regarding what the near future will bring, there are certain things you can do to minimize stress surrounding this uncertainty. Remember to take time each day to care for yourself to benefit your overall mental wellbeing.

This guest blog was written by writer Anthony L, promoting self care and mental wellbeing.

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

~ Eleanor Segall ~ 1 Comment

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(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.

 

 

Guest Post: Mental Health and Money Worries: ‘The Perfect Storm’ by Consumer Money Worries

~ Eleanor Segall ~ 4 Comments

consumer1

When supporting clients with financial difficulties, not only is it essential we take in to consideration vulnerabilities for regulation purposes but CMW prides itself on the quality of care and diligence taken to support our clients. Mental Health and Money Worries is perfect for us and you- as we are here to ride the storm with our clients.

Our objective is to understand mental health problems and the impact on effective decision making; allowing us to support and signpost to the best of our ability. CMW aims to identify a sustainable pay and plan, ensuring we can positively contribute towards long term mental wellness.

Mental Health and Money Worries is the perfect storm

Mental Health presents unique challenges, this invisible illness can often be difficult to evaluate and understand for both ourselves and indeed the client!  When we support a client with Mental Health and Money Worries we need to understand… ‘1) Is it debt triggering the mental health issues. 2) Mental health issues triggering the debt. 3) Combination of both, fuelled by other factors – We recognise Mental Health and Money Worries go hand in hand.

It’s vital that we address these questions at the point of first contact with the client. We can then develop solutions to best meet their needs and take in to consideration any triggers and special considerations, such as working with a supporting carer.

Creating a Client Support Network to Weather the Storm

There are infinite reasons why a client may be facing mental health related money worries.

In some cases a client may not have previously suffered from or recognised mental health related symptoms or issues, such as anxiety, stress or depression. However, a build of debts and money worries over time may have brought on such issues. It’s therefore important we understand the debt related ‘triggers’ and support the client accordingly, for example they may have bailiffs knocking on the door or pressure from aggressive creditors. Our solutions must address these issues.

Conversely, a client may have built up debts due to time off or loss of work due to long term mental illness. Over time debts have built through no fault of their own.

Finally there is the co existing storm, where both money worries and mental health issues exist and are fuelled by other vulnerabilities and contributing factors such as gambling, alcohol/substance abuse and relationship problems.

All such factors can have significant negative impact on both mental health and debt level and therefore it is vital that our debt counselling solutions are delivered hand in hand with specialist organisations and charities whom can support a clients unique challenges.

 Educate, Inspire and Support – The Journey from Mental Illness to Mental Wellness

From first contact we focus on understanding the unique challenges and vulnerabilities of each client.

We partner with specialist mental health organisations and charities to create a support network for our clients that will provide the education, support and inspiration they need to address their money worries, mental health and vulnerabilities. Guiding them from Mental Illness to Mental Wellness.

Mental Health and Money Worries, riding the storm together!