40 articles Articles posted in Adulting

Services-To-Hire That Every Working Mum Should Know About

Working mumThere is hardly any doubt that working mums often feel overwhelmed with daily life. While it can be challenging to stay on top of a chaotic day, especially as a single mum. When you do not have a male counterpart to help you out around the house, there are a few hirable services that will help to make your life easier, and free up some time on your busy schedule:

Yard Care Services

Being able to enjoy a neat and tidy yard with your little ones in your free time is irreplaceable, although, when it comes to keeping your yard up to standard, a beautiful outdoor area is not always easy for busy mums.

Yard care services, such as and other similar services, could be the perfect solution. Relying on a professional service team enables you to enjoy your yard, rather than applying yourself to the time-consuming and strenuous task of mowing the lawn.

Home Cleaning

Many mums shy away from the idea of welcoming cleaning services into their homes as they have several plausible concerns. By opting for a service with an excellent customer review, you can locate a service that is trusted to complete all those dreadful chores.

If you are not entirely for the idea of having full-time help, it would be worth your while to consider keeping a reliable cleaning service on hand for days when you feel you cannot manage. Some house cleaning services may even offer one service instead of a hull-house spring clean, such as only getting your laundry done, or washing the windows. 

Tax Assistance

Even though absolutely everyone does not need an accountant on hand, if you are self-employed, own a rental property, have investments or foreign accounts, or have recently gotten married or moved, it would be worthwhile to consider the assistance. Filling out confusing tax forms for an entire day can be an absolute nightmare for a working mum, which is what makes the extra spend for peace of mind entirely worth it.

Birthday Planning Services

Some mums may be entirely against the idea of outsourcing a birthday party. Although, when considering that removing all the stress of planning and baking and catering will allow you to be a bit more relaxed, birthday planning services are well worth your expenditure.

You will be able to hand over your ideas and have no anxiety over wondering if you can bake that large “Paw Patrol” cake with exceptional detail and instead enjoy the day with your child, friends, and beloved family members.

When to Consider Services-To-Hire

If you are wondering what you should outsource, keep finances and time in mind. Rather than outsourcing everything, you should consider only outsourcing tasks you dread. Should you enjoy planning birthday parties and doing your taxes, having such services might benefit you when it comes to budgeting for the unplannable. It makes sense to keep contacts for trusted services on hand just in case you need them one day. 

Sources

Parentlightly.com Blog

Scrubbi.com Blog

The Wirecutter.com Blog

Lawnstarter

Oasis Turf and Tree Blog

The Balance Small Business

Lockdown: Keeping Your Relationship Alive

Keeping Your Relationship Alive During LockdownThere’s no denying the fact that lockdown is making things feel pretty bizarre for most of us at the moment. Families are spending more time together than ever, thanks to school closures and isolation measures to protect us all during the coronavirus outbreak, and adult realtionships are being strained in many cases. Between spending 24 hours a day, 7 days a week in the same space and the kids being around ALL. THE. TIME, finding time to be intimate is one of the hardest things about “The Current Situation” (as it’s formally known in most households!).

With this in mind, I thought I’d share with you five tips for keeping the spark going in your relationship so that quarantine doesn’t have a negative effect on your intimate life:

Sexting

While whispering sweet nothings might be tricky when you’ve got little ears around all the time (what is with their hearing, as well? They’re like bats, until you mention tidying!), sending your partner a message containing some steamy content is the perfect solution. Install an encrypted app like Signal and reserve it solely for sexting with your other half. As well as helping to build tension, you’ll get a little jolt of excitement every time you see a message from your chosen private app.

Lockdown Lingerie

If you’re aything like us, you’re probably spending most of your time in pyjamas or loungewear, neither of which are known for their sexiness! Why not invest in some sexy lingerie sets from Steamy Genie? Even if you slip them on UNDER your comfies, a glance of something sexy and lacy underneath your flannel P.J.s will let your partner know you’re still thinking about your provate times.

Try to Have a Routine

Okay, so while I’m not suggesting a sex schedule (is there anything less sexy?!), having a proper routine can really help you to find time to be intimate. Lots of the people I know have thrown the normal routine to the wind and the kids are going to bed later, waking up late and not really sticking to any sort of timings. Make sure the kids eat dinner, have a bath and get to bed at a more reasonable time and you’ll find yourselves with much more time to dedicate to each other in the evenings.

Try Something New

I think we can all admit that everything is SO far from normal right now, so instead of bucking against this, why not go with it and try something new during lockdown? We all have those little curiosities that we’ve thought about trying but just haven’t got round to mentioning to our partners – well, there’s never been a better time to try it! Just don’t go TOO crazy, as now is really not the time to end up in A&E with a sex injury!

Tidy Up and Have a Date

We’re all probably quite sick of our surroundings at the moment, and our motivation for housework can be tested when it seems like no sooner do we tidy than the place is a mess again. Work together to get the house back to being spotless and then enjoy the spoils of your labour by having a date night. Cook a meal together, watch a movie and just spend some time enjoying each other, instead of sitting in front of the TV or games console while the other uses their smartphone!

Making Sure You Relax As A Parent

Parenting is hard, and that’s something that nobody is willing to deny. Looking after your children every day can feel like a huge task, even though you love them more than anything in the world. You might think that stress is just part of the job description that comes with being a parent, and to an extent, you’re right, but that doesn’t mean that it’s good for you. In this article, we’re going to be looking at some of the ways that you can relax to benefit your health when you have kids. Keep reading down below if you want to find out more.

Image Link – CC0 Licence

Ask Someone To Look After The Kids 

The first thing that we are going to suggest to give yourself some time to relax is to ask someone to look after the kids. Not everyone likes leaving their kids, but whether this is for a couple of hours or a day or two, you need to be able to trust the person you’re asking. Whether you choose a friend or family member, make sure that they can have them for at least a few hours to give yourself time to unwind. It’s a difficult job, and you need time to yourself, which you likely aren’t going to get if you’ve got your kids running around all day. 

You can use this time to do some of the things that you like but can’t do because the kids are around, or you can simply use it to sleep. It’s up to you, whatever you think is going to be most helpful when it comes to your stress levels. A lot of elevated stress comes from lack of sleep, so if you aren’t getting enough rest, you need to take advantage of the situation.

Get Some Help..

The next thing that we are going to suggest is that you get some help. It’s not always easy to relax and let go of the stress, especially as there is always going to be something new to stress about. One of the things that you can do is try cbg oil as it has been known to have calming effects on people. If you’re coming to a point where you think you’re going to break soon if something doesn’t give, then there is no harm in trying this out and seeing if it can help you. Of course, this isn’t for everyone, and if you are having major problems, then you can go and see your doctor as they might have something that you can try as well.

Do An Activity You Love

Finally, one of the best ways to relax is to do something you love. How long has it been since you have been able to sit through an entire movie that wasn’t chosen by your child? Or, how long has it been since you’ve been able to sit down and read a book? These simple activities might not seem like much to everyone else, but when you’re a parent having the time to do this is a dream come true. 

It can be simple like this, or if someone else has the kids, you can do something else that you enjoy. Go out for a run, or go out and meet your friends for a night out. There are so many options, and it doesn’t matter what you choose as long as you relax.

We hope that you have found this article helpful, and now see how you can relax as a parent.

How to Make Managing Your Employees More Straightforward

You might have begun your business as a one-person operation, but once success comes your way, you’ll soon find that it can be highly beneficial to bring other people on board to your team. However, it’s not as if this is just a matter of hiring a person to do a job, and letting them get on with it. As soon as you bring your first employee on board, you’ll find yourself in the role of ‘manager,’ and that’s not always as straightforward as newcomers to the game would like it to be. By the time you have a team of employees, you’ll need to work hard to ensure that things run smoothly. Below, we take a look at a few useful tips that’ll make managing your team more straightforward.

How to Make Managing Your Employees More Straightforward

Pexels – CC0 Licence

Hire Competent People

You’ll find it infinitely easier to manage your team of employees if they’re high-quality to begin with. It’s like cooking: you’ll make a much nicer meal if you’re using fresh, quality ingredients, rather than whatever has been left on the shelf. So before you do anything, take a look at your hiring process, and see how set up it is to bring excellent staff on board. Many new employers end up hurting themselves by writing job descriptions that only appeal to the bottom of the barrel candidates. Improve your hiring process, hire better staff, and make things easier for yourself.

And People You Like

You’ll fundamentally have a professional relationship with your staff, but it is important that you get along with them, and especially so if you’re a small team. That’s why it’s important to look beyond the CV, and think about how you will click with the other person. You’re going to be working closely with them each day; it’ll help considerably if you don’t have to overlook their personality just to get your job done. Of course, this doesn’t mean figuring out if you have the capacity to be best friends with them — it’s just about listening to any instincts that tell you that you might find them annoying.

Software Tools

You’ll soon find that managing involves much more than just telling your team members what to do, and then basking in all their hard work. Having employees means taking on a lot of additional tasks, such as payroll, scheduling, and so on. You can make handling these tasks much more straightforward by getting the right software tools. For example, there is software that allows you to easily track employee hours, which can help considerably when it comes to payroll processing. Downloading the tools that you need will take some of the stress out of managing a team, and also free up your time, so you can focus on the tasks that’ll help to push your business forward.

Team Building

Studies have shown that productivity goes up when people like their work colleagues and their office environment. But really, this is something that you could have guessed without a study saying that it’s the case. You can just feel that there’s a good atmosphere in the office when colleagues like each other. Plus, if people are friendly with one another, there’ll be reduced risk of disagreements and arguments from occurring. If you’ve hired well, then you should have a team of staff who are ready to be friends — but it won’t happen automatically. You’ll need to create the settings that allow people to get to know one another. One option is to host afterwork drinks on Friday evenings, or you could organise a team building trip somewhere fun (such as paintballing or go-karting).

Keep Things Tight

It’s important to remember that it’s not as if you need to hire for every task that has to be taken care of. Indeed, it’s recommended that you don’t do this, since the more staff you bring on board, the more complicated things will become. It’ll be much better if you only hire for the absolute essential tasks, and then outsource the ones that you only require essentially. For example, you probably don’t need a full-time marketing employee, so instead, you can outsource the task to a third-party company.

Give and Receive

Finally, remember that you can make things more straightforward by simply being fair with your staff. You can ask for the world from your employees if you’re also willing to give them the world. This will help prevent resentment from creeping in, which can have a hugely detrimental impact on the overall atmosphere and productivity in the office.

Make Driving as Affordable as Possible

Image Source

Of course, having your own car and taking to public roads is going to be a relatively expensive investment. When it comes down to it, cars tend to be people’s second biggest outgoing after their homes and accommodation. But, for many of us, having a car really is worth the cost. It makes life more convenient for us, means we can get from A to B as and when we please and with the price of public transport constantly on the rise, can actually prove a wise choice to make. There’s always room for improvement though. If you’re planning on getting a car, here are a few simple steps you can take to make it as cheap a venture as possible!

Saving When Buying Your Car

Let’s focus on the main outgoing you’ll face first – the cost of the car itself. Cars don’t tend to come all too cheap. Not decent ones anyway. But there are a few things you can do to reduce the initial upfront cost of getting yourself a set of wheels. You’ll find that you have a number of different options on your plate when you buy your car. The cheapest way to buy any car is always going to be to pay for it outright. But who’s really sat on enough disposable money to do this? Most people, instead, opt for finance options. This involves taking out a loan or finance agreement to fund the purchase of your vehicle. When finding an agreement, browse the market. Brands like Direct Car Credit will make the process simple for you. You can also use price comparison sites to compare different loans or packages and their interest rates. The lower the interest rate, the less you’ll end up forking out for your car in the long run!

Reducing Insurance Costs

Insurance is an essential cost. You legally need it before you even start driving out in public. But that doesn’t necessarily mean that you have to pay a whole lot for it. There are a number of different policies out there, so determine your needs and determine which policies cater to them. Then, compare the prices attached to the ones that tick your boxes. Again, price comparison sites can come in handy here. You can find much cheaper deals when you use these sites. If you’re settled on one insurer but have found a cheaper insurance deal elsewhere, it’s always worth asking if your preferred insurance will match the offer. Many will in order to maintain your custom.

These are just a couple of areas you might want to focus on when you’re looking into buying a new car. While they may just be two of the costs attached to a car, they are the main costs. You need to buy a car in order to have one and you need to insure it in order to drive it. Hopefully, you’ll be able to make the whole thing financially feasible!

Does Running The Family Car Have To Be So Expensive?

For most families, the act of running a car is an essential one. It’s also one of the highest monthly costs they have to pay out. The good news is there are some ways that you can reduce these costs and have more money in the family budget for fun and days out. Read on to find out what they are. 

Reduce your purchase fees 

Usually, the single most significant cost related to running the family vehicle is the monthly amount you need to pay towards its purchase or lease. In fact, the vast majority of families choose to pay for their cars on finance rather than buying them outright.

Of course, what that means is you must look for a used car dealer like London Motor Company that can offer the best value for money finance deals. In fact, finding a finance specialist means you end up paying less, and make the entire process of buying a car a lot simpler and easier as well. 

Reduce your insurance 

Next, if you are looking to keep the running cost of your family vehicle low, you must choose your insurance carefully. Of course, there is a delicate balance that you must strike here between keeping the price low and also being covered for every likely eventuality. Otherwise, you could end up in a situation where you do not have coverage, and this could cost you big. 

With that in mind, doing a little shopping around and using comparison websites is the best idea. Then you can be sure that you are not paying a penny over what you need to. 

Reduce your fuel 

Similarly, the cost of the fuel you put into your family car will have an effect on how much you pay out over all as well. With that in mind, there are two things you can do here. The first is to reduce the amount of fuel that you use by cutting down on unnecessary journeys and driving economically. 

Additionally, making an effort to look for the cheapest petrol stations is well worth the time it takes. The reason is that it can cut vast amounts off of your monthly bill. 

Reduce your maintenance costs 

It is also essential to keep your vehicle clean and running safely, especially when it’s the primary way you and your family get around. However, that doesn’t always mean you have to pay out for expensive professional services. 

In fact, when it comes to detailing your car, you can do a professional job yourself from home. All you need to do is invest in a few tools, then follow the advice in the video below. This being a tactic that could save you a real fortune over time. 

<iframe width=”560″ height=”315″ src=”https://www.youtube.com/embed/svW7s7KDYtc” frameborder=”0″ allow=”accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture” allowfullscreen></iframe>

The same goes for some of the more basic maintenance tasks as well. Like changing the oil, checking your tires, and even replacing things like the windscreen wipers. Although, when it comes to functions that have an impact on the safety of your vehicle, it’s always best to get professional assistance, no matter the cost. 


Helping Your Child Get Organised for Life in College

When your child has accepted their place at college, your next step will be organisation. It takes a lot of preparation to get someone ready for life at college and the sooner you can start, the better. Here are some of the things you should think about if you need to help your child get organised for their college experience.

Insurance

College can be rough without the proper protection. Your child’s laptop is likely to be their lifeline. They will use it to communicate with you and complete all their coursework. They could turn their back on it for a moment in the library only to have someone swipe it.

An easy way to protect it is to take out a student renters insurance policy. This is great as it won’t just protect their electronics when they are out and about but it will also protect their items in their dorm or student apartment. From pranks gone wrong to someone simply attempting theft, anything can go wrong. A student renters insurance policy will help keep there things right.

Storage

A dorm room has limited space. There are some storage facilities that every student has but you need to make sure that your child is making the most of their space. No matter where they end up at college, they are likely to go through several seasons and that requires clothes. On top of this, you need to account for books and other personal effects.

Under-the-bed storage will be key here. From any store, you should be able to find plastic boxes with lids and wheels. The lids will keep the contents dust-free while the wheels will allow the boxes to be pulled in and out easily. These are a great way for your child to maximise their storage despite any limitations on the space they have in their dorm. Don’t forget about separators or hanging shelves to go inside any built-in storage. If possible, try to scope out the dorm room before you buy things. This should make it easier to find items that work well with the room instead of buying superfluous items.

Cooking

If your child can’t cook, teach them how to make some simple dishes before they leave home. Even if they are headed to a dorm with a canteen, teaching them how to cook will help them get ahead. They can make friends and impress acquaintances with a whole range of different dishes.

None of the dishes have to be that complicated. A roast chicken recipe, a dessert like brownies, and a one-pot wonder like chilli might be the perfect collection for them to be able to impress anyone they like. Make sure they have the utensils they need and have them practice each dish a few times to ensure everything is perfect.

Budgeting

College is likely to be one of the first times your child will have to manage their own money. You need to make sure that they are going to know how to handle their money without running out each month. Whether they are making a go of it by themselves or juggling a job alongside their studies, they need to know how to make their money last.

Why not get them to help out with some simple exercises like the weekly shop? This will be a great way for you to teach them some life-long budgeting skills. Give them a set amount to spend and ask them to buy enough food for a set number of meals. It will help them plan their week’s money once they are at college. You could also tie this in with the cooking by having them fully budget, plan, and make a few meals that week. Not only will you get to assess their skills, but you or your partner can take a break from meal planning yourselves.

Letting your child go to college can be a big step for both of you. As a parent, you need to prepare them for adult living as best as you can. Whether you are teaching them about budgets or finding them the perfect storage for their room, you will soon make sure that they are perfectly ready for college.

 

Homesickness Help For The Kids Out On Their Own

As the parent of a university student, you may have done everything you could to ensure they are well equipped to live independently and to use that independence wisely. However, that doesn’t always mean they’re going to have an easy time doing it on their own. Most of us experience homesickness occasionally when we’re out on our own for the first time. For many, the experience can really be crippling. If your kid is having a tough time out on their own, here are a few ways you can help them cope better.

Pic – Pixabay License

Make sure they leave with realistic expectations about what university is going to be

As a parent, part of our responsibility is to make sure that our kids are prepared for a prosperous future and part of that means helping them get a more informed idea of what’s going to be waiting for them when they leave home. Social media, TV, and film may have given them ideas that university is a constant party but they’re soon going to be disabused of that notion. If they were particularly looking fun to that part of uni, that twist can actually be quite shocking and disappointing. As such, it’s important to help them understand that managing a household, studying, and going to class is what they’re going to be spending the majority of their time on, and that partying isn’t quite as frequent as they might believe.

Encourage them to throw themselves into their new experience

The trepidation that your kids might feel out on their own for the first time is real and worrying, but it is also something that they can get over best with experience. Simply, if they can find the strength to go out, try new things, join new clubs, and make new friends with the help of networks like Meetup. Simply put, until they find their rhythm in their new environment and find what they like about it, most of their time is going to be spent comparing it negatively to home. When it comes to getting over feelings of homesickness, we need to get out of our own way, occasionally.

Tell them to make their own home-life schedule

One of the best ways to keep homesickness off your mind is to be busy. They can do this, in part, by enjoying the uni life as best as possible, joining clubs, going to events, and making friends. But simply getting used to a new schedule can help them move on with their life as well. Helping them put a daily routine together, including their housework, self-care, shopping, studying, and so on can help them find their own rhythm away from home. It also makes sure they don’t have too much time to let boredom settle in, which is one of the biggest catalysts of homesickness.

Pic – Pixabay License

Help them stay in touch with the folks back home

Reaching out and sending messages via Skype, WhatsApp, Discord and the like is one thing. But it can really help warm their heart and centre your kids to hear a familiar voice once in a while. Some kids fresh out at uni may worry about the costs of calling home in their new budget, but deals like the Smarty student campaign can make it as affordable as possible for them. You have to give them some space to acclimate to their new environment, but calling once in a while and letting them know they can call you whenever they want can help them feel extra supported out there. Just try not to do it too much or you could end up getting in the way of them acclimating.

Put down social media

It’s not just home that your kid will be missing, it’s all of the friends and connections they have made over the year that they are now far removed from. That’s an emotionally tough thing for many to deal with, and people make it much worse for themselves with social media. By browsing social media all day, they’re likely to keep scrolling through photos and posts from friends they miss, twisting the knife all the deeper. Encourage your kid to set a rule for themselves that they only browse social media for 30-45 minutes a day during a set time of the day. If they can discipline the habit of thumbing through Facebook out of their life, then they’re going to torture themselves a lot less often. Apps like In Moment can offer some valuable help in doing that, too.

Send them some home comforts

Want to really warm their cockles and help them feel like they are cared for? Then put together a care package of things from home. This is especially valuable if they’re studying overseas, as their local stores aren’t likely to carry their favourite biscuits or even a decent pack of teabags. There are plenty of guides for putting together a university care package that can give you plenty of inspiration. Just make sure your intention in supporting them is clear, not that you’re trying to make them miss home even more.

Pic – Pixabay License

Encourage them to look for help

You can offer them advice and a kind word where possible, but if you feel like they’re having a really hard time, then it’s important to help your kid be aware that there may people there who can better help them. For instance, it’s very likely that their university will have counselling services on hand. A lot of young people struggle with bouts of depression, stress, and anxiety when they’re away from home. Let them know that they’re not the only person who has gone through this, without diminishing their experience, that they can get through it, and that there are people and services who can help them get through it.

With the tips above, you can help your grown kids fight homesickness. However, it’s important to listen to their complaints, as well. If they have actual problems it may be that homesickness isn’t really the concern.

How to Make Some Extra Cash After Christmas

Photo by Suzy Hazelwood from Pexels

With Christmas a not so distant memory and most of us still feeling the ache in our wallets after spending an absolute fortune, many of us are starting to think about ways that we can make a bit of extra cash in January for the year ahead. If you’ve already got a full-time job, finding the time to earn extra money can be tricky, but there are lots of things that you can do which can give you a cash injection without you needing to spend hours and hours every day working on them. Here are five ways for you to make some extra cash in the months ahead. 

Betting

While gambling isn’t exactly a surefire thing, there are beys that you can make which give you a decent return without much outlay. As long as you give yourself a limit and make sure you stick to it, betting doesn’t have to be something that gets out of control and you might end up with a tidy little sum that you can put away for a rainy day. There are betting calculators which allow you to work out how much you can make for your stake.

Selling Things

January is a really common time for people to have a declutter, usually because of the influx of stuff from Christmas. While you’re decluttering, put to one side all of the things that you think would be sellable and list them on Facebook, eBay, Gumtree and other selling sites. A lot of these things, once they are listed, just simmering in the background, coming up with a sale every now and again, and it takes only the amount of effort to take a few pictures and post them online.

Check your Bills

Take a look at all of your outgoings on a monthly basis – things like mobile phone contracts, TV bills, and other services that you might subscribe to, and really think about whether or not you use them. If your Sky or Virgin Media contract is up, you may be able to call them to negotiate a better deal, same with your mobile phone contract. There are probably better off options out there which could be saving you a packet every month.

Quit the Gym

Just recently I realised that I’ve been to the gym a maximum of three times in the last 12-months. My gym membership is only £9.99 a month, so it doesn’t exactly break the bank, but when you consider the fact that I’ve paid £120 to go to the gym 3 times, it can start to seem a little bit too much. Consider whether you’re actually getting your money’s worth out of your gym membership or if all of the things that you do once you get there could be done from home and you might end up saving yourself a small fortune by quitting the gym.

Meal Planning

One of the things that we absolutely terrible for in our house is buying food and leaving it to go out of date, before throwing it away. This year I haven’t made New Year’s resolutions but I have decided that meal planning is going to be something which features a lot more heavily in our lives. I’ll be choosing meals for the whole family and buying only the ingredients that we need to make them. If somebody doesn’t want to eat what we’re having on that day, unfortunately that will be their tough luck because that’s what we’ll be having and that’s what I’ll be putting on a plate in front of them! I reckon this will probably save us a small fortune in wasted food not to mention will go towards stopping us being so wasteful.

Settling Down? Plan As Much As You Can

Pexels – CC0 License

There comes a time in anyone’s life where the idea of being free to do whatever you want is less appealing than settling down, and starting to build something that will last. In order to enjoy anything worthwhile in life you need to discipline yourself in a certain direction, and that means a sacrifice. For example, heading to college to get a good education means spending time studying that you could have spent frolicking around your home town, bowling, playing music with your friends, staying up late and never worrying about tomorrow. But in order to improve our station in life, we know that this time is worth it, and so we do this without complaint.

The same feeling is felt when settling down. Raising a family, purchasing a family home, enjoying the years of mutual love and growth and doing so with your closest loved ones around you can be preferable to just traveling the open road year after year – but of course, it’s all up to you. When or if you do decide to settle down, however, it’s worth doing so with surety. This means planning everything you can to prevent the nasty surprise of being mistaken. As far as that is concerned, we would warmly recommend the following advice:

Planning Your Mortgage

A mortgage is the main structural backing that should allow you to gain a property you truly care about, providing the backbone of your settled life. However, it’s not only an aid, but an obligation. It’s essential that you make all the correct and most reasoned checks towards your own personal affordability that you can when undertaking this process and agreeing to it. This is because defaulting on your mortgage could not only lead you to full bankruptcy, but worse, it could leave you without a place to stay. This is why it’s very important to consider the long term ramifications of a deal like this, on top of the seasoned wisdom that asks if you can approximate this best financial solution in the first instance or not.

It can sometimes be that with the right terms, the right upfront payment, and perhaps lengthened repayment options that you can gain a property outside of your usual wheelhouse, or perhaps a more affordable solution from the beginning. The more you assess your options, the less settling down can feel like an incredible ask and more a reasoned plan for the future.

Finding Promising Value

When you decide to settle down in a property, you are tying yourself to that area for a good number of years, unless you decide to go through the complex and lengthy process of reselling or transitioning your mortgage. This is why it’s important to get it right the first time.

How have house valuations been historically, within the area you are now searching? Might this change in the future? Could gentrification lead to a larger construction effort in the local environment, and how might that affect your house price? What are the transport links like, and will they improve? What are the movement habits of local residents? For example, it’s not uncommon for certain areas to gain a vibrant youthful presence due to the expansion of a local university, but this renter’s haven could thereby lead to different impacts on your housing valuation, and that could be a good or bad thing.

In simple terms, it’s always best to find the most promising value in your local environment and measure the potential means in which it can be affected. This can help you assess your financial standing or to plan your asset management as the weeks, months and years move on.

Planning Your Income Periods

Forecasting your income projections can also be a great place to start. Sure you may be going strong with a partner right now, but what about when your expected twins are finally here? Will you be able to sustain the family and the property on one income rather than two, at least for a good amount of time? Could it be that you enjoy less job security than you think you will? Is it wise moving out of that freelance position and choosing a salaried job that will come with more benefits and less work drought than usual?

Income is usually the factor from which many base their life decisions, and this is essentially important when planning your ability to settle down. Even something as seemingly stable as an owned business could lead to further financial intensity, especially if the financing is tied to your household. This planning, taking as a cohesive whole, can help you not only make the decision to settle down first and foremost, but can curate the decisions you make going forward.

Factoring In Unforeseen Costs

Unforeseen costs can come from any direction. If you decide to purchase another car in addition to your usual runabout, then that is twice the likelihood that one day an emergency breakdown will burn a hole in your wallet. It could also be that if you live in a flood-prone area, that one day the need for intense driveway renovations will take hold and be a problem that leaves you frustrated all Spring. We cannot plan for every single measure, and sometimes we are luckier than others. That being said, it can’t hurt to plan those unforeseen costs to some extent when making your household or lifestyle investments – even if that simply results in you purchasing better insurance on all fronts.

The Priceless Factor

There are many measures of settling down that are priceless and may help you motivate your interest in doing so. Perhaps you’re happy to commute an extra twenty minutes to work due to the gorgeous seafront view you have acquired, and the option to settle down in such a wonderful property only came once. It’s important that you do keep in mind your own tastes and to fight for them, because remember, you’re not settling down for anyone else, and ultimately you will be the one paying for it.

With this advice, we hope you can settle down in the best possible sense – by planning as much as you can.