4 articles Tag benefits

The Benefits of Car Leasing

The Benefits of Car LeasingWhen it comes to being a motorist, there are a lot of expenses to consider. Aside from the initial purchase price of a car, there’s the tax, insurance, MOT costs, maintenance, fuel…it all adds up. There are, however, cheaper ways of running a car, such a leasing, so we’ve teamed up with Genus Leasing to talk to you about all of the benefits of leasing a car instead of buying outright. Here are a few of them:

You’ll Get More for Your Money

When you lease a car, you usually find you’re driving a better vehicle than you would if you had bought one. This is because, with a car lease you only pay the car’s depreciation for the lease period, not the value of the car (because you don’t own it). As a result, your monthly payments are usually lower compared with other forms of finance, so you can lease a better make, trim or option.

You’ll Always Have a Newer Model

After the initial lease period ends, you will be able to exchange the car for a brand new vehicle. This means that you will be able to reap the advantages of having a new car on a regular basis, allowing you to get the maximum benefits of fuel economy, performance and safety. It also means that you will be able to avoid massive depreciation costs, as you do not own a vehicle that is likely to be rapidly losing value.

You’ll Reduce Your Monthly Outgoings

Apart from fuel and insurance, when you lease a car you know exactly what motoring is going to cost you because your expenses are rolled into one – monthly payments, Road Tax and breakdown cover. And if you include a maintenance package, your ability to budget becomes even stronger because you’ll know what’s going out of your account all in one go.

Cheaper Maintenence

Leasing provides much lower maintenance costs than other forms of buying. This is because the person leasing the car does not retain ownership, so general maintenance costs are covered by the manufacturer’s warranty period. If the car being leased requires servicing or repair, the costs will be covered; this usually includes tyre and exhaust replacement.

No MOTs to Remember

Generally speaking, lease car are less than a year or two old, and cars don’t need to be MOT’d until they’re three years old. This means that it’s unlikely that you’ll ever have to worry about MOTs with a lease car because you’ll have upgraded to a newer model before it’s even due.

Bonus Tip

If you really don’t use a car that much but still need one to get around occasionally, why not think about using All Transportation Network to book reservations for chauffeured transportation? You’ll be travelling in serious style and saving yourself a whole lot of hassle.

Top Reasons Why Dogs are Good for Kids

Top Reasons Why Dogs are Good for KidsIf you know us, you’ll know that we’re a family animal lovers. Husband and I got Chuck in 2006, just a couple of months after we got married and he wa a huge part of our lives for 13 years. We’ve had other pets over the years, too – Happy the hamster, Maureen our Staff-Frenchie-Boxer cross, Bagel and Biscuit the budgies, plus various dogs we’ve fostered over the years.

We’re huge believers that pets make a home complete and that it’s great for kids to have pets too, as it teaches them responsibility…even if it is always be cleaning out Bagel’s cage instead of Sausage! With this in mind, I thought I’d share some reasons that dogs are great pets for kids (and why investing in scratch-proof flooring is a good idea if you want one!)

Bonding

Having a pet helps to build family bonds as animals are often the focus of family activities. From walking the dog together to grooming or feeding the pet, these simple but enjoyable tasks allow everyone to slow down, enjoy each other’s company and communicate with one another.

Exercise

Having a dog means that you have to go for walks. Come rain or shine, dog need exercise, no excuses. You have to remember, that as well as for their physical health, dogs need exercise for their mental health. When they’re at home, they can’t sit and read a book or watch the TV, that’s their equivalent of getting out and having a sniff around the neighbourhood!

Responsibility

The daily commitment of caring for an animal is a great way to teach kids the importance of dependability and responsibility. To be a dog’s provider is an honour that requires a lot of patience and work. We make sure that Sausage and BB help to keep Maureen’s water bowl clean and refilled, put her food down, and make sure her bed is nicely plumped up for her to rest in.

Mental Health

It’s actually been scientifically proven that spending just 15-30 minutes with your dog can help you feel more calm and relaxed, reducing stress and increasing happiness. Playing with your pup increases your brain’s levels of dopamine and serotonin, both of which are neurotransmitters associated with pleasure and tranquility. Just having a dog around can give your mental health a huge boost.

Comfort

Having a dog can be a huge source of comfort in so many situations. When my kids are ill, Maureen (as did Chuck) will always be the first one to sit with them while they’re recovering on the couch, she’s always there with face licks when the girls are crying and she lets us know if anyone o much as breathes wrong within a 100m radius of the house. She’s a huge source of comfort for us all and loves nothing more than a snuggle with her pack…except maybe for a 5 mile walk where she gets to chase pheants!

Living in The Baby Bubble

If you’ve got a newborn baby, you know all too well what it’s like to live in that lovely bubble of baby wonderfulness. They may not be sleeping at night but in the early days it’s all about finding your groove and if it’s your first baby, it’s so tempting to stay at home in your little baby-centric haze for as long as possible. There are, however things that you’ll need to do in those forst few weeks, so we thought we’d give you a little list to remind you of the essentials.

Register Baby

Registering your baby is a legal requirement as it basically informs the Government that there’s a new human in the world! You have six weeks from the baby’s day of birth (although this can be different if baby is in a special care unit, and some hospitals have a registrar on site for these very occasions), but you must do it as soon as you’re able.

Apply for Benefits

Once you’ve registered baby and got their birth certificate, you can apply for any benefits to which you might be entitled, such as Child Benefit and Child Tax. If you need help working out what to apply for, head over to http://www.govukbenefits.com/ for more information and links on how to apply.

Weighing

For the first little while, you’ll probably have midwives and health visitors coming to your home to keep an eye on you and baby, and ensuring baby is gaining weight nicely. Once these visits stop, you’ll need to find a local clinic (usually in a childrens’ centre or doctors surgery) to keep having your newborn weighed and having their “Red Book” filled in.

Keep In Touch Days

If you’re on Maternity Leave from work and are planning to go back at some point, then some places of work have Keep In Touch days to enable you to go back for a few hours to refresh yourself on your work duties. It can often make you feel less out-of-touch with your career and is an excellent excuse to show off all of your adorable baby photos!

Health Check

Obviously, most of your focus in the early days will be on baby but you also need to ensure that YOU are being looked after too. Regular checks with your midwife or doctor will ensure than any c-section or episiotomy wounds are healing properly and it’s also good to have a mental health check to ensure that you aren’t suffering with PND or PTSD after a traumatic birth. If you don’t look after yourself properly, you won’t be able to look after your new precious bundle properly, and that’s the most important thing in the world for you right now.

 

Are You Getting Everything You’re Entitled To?

January can be a really tight month for us all – as well as recovering from the huge expenditure of Christmas, it’s a long month with five weeks until payday and also usually happens to be the month that quarterly bills get taken, so by the middle of the month we’re all feeling a bit stretched. As much as many people feel that claiming benefits carries a huge stigma, if you’re a British citizen, there may be things to which you’re entitled but aren’t yet receiving. Take a look below to see if there’s support you might be able to claim:

Employment Support Allowance

ESA is the replacement for the now defunct Incapacity Benefit. It is used by millions of people throughout the country, which is perhaps why you find it so hard to get through when you contact ESA. If you need to speak to someone regarding ESA, use the number provided by ContactNumber.net which can be found here: https://contactnumberuk.net/esa/

Housing Benefit

If you’re renting, you may be entitled to some housing benefit even if you work full time. They are also able to support homeowners on some occasions by helping with interest payments on your mortgage. Either way, if you’re struggling then it’s definitely worth applying to see if you’re entitled to anything towards your housing costs.

Carers Allowance

Are you a main carer for a family member, and if so does this affect your ability to have a job? If so then you may be entitled to an amount of carers allowance. The rules on what you can claim have recently changed, but speaking to someone to see if you’re eligible could really help if you’re in a sticky situation with no other help.

Council Tax Reduction

It was ruled a couple of years ago that Council Tax would no longer be fully discounted, so even the poorest families in the UK are expected to pay some towards their council tax. However, there are some exceptions in terms of reductions that you may be entitled to, for instance if you’re a student or the only adult in a household, Speaking to your local council may help you to work out if there are any discounts which which you may be entitled.

Study Costs

If you’re hoping to retrain or get back into education, there are lots of grants and bursaries available for student learners, especially within certain fields such as teaching. Speaking to the university or college you’d like to study at is probably a good place to start if you want to work out how much help you’d get towards study fees.