The Lowdown About a Reverse Mortgage

If you are retired and own your own home, you might be living inside your financial security. That is because you can turn part of your home value into money, if needed. One way to do that is with a traditional loan. However, you can also apply for a reverse mortgage, as long as you are at least 62. But first you need to know the lowdown about reverse mortgages. Paying Back Traditional Versus Reverse Loans Even considering a reverse mortgage is usually done because a retiree does not want to deal with a mortgage bill. You see, a traditional

Food re-distribution helps to remove food poverty

AD | Collaborative post Unfortunately, there is an increasing issue with poverty across the UK, and the most devastating part is that it is affecting children the most. Poverty affects 6 million people in the UK and for several of these people that means they will go a whole day without food.  What’s being done to try and eradicate poverty? In terms of food, there are charities in the UK that work to provide food for food banks and school clubs so that people can have a decent meal each day. Although this might seem only small to the majority

3 Ways To Save Money For Christmas

AD | Paid collaboration Christmas can be a really stressful time of the year and each year there seems to be more and more pressure to go one further than the year before. As someone with a New Year’s Day baby, I try to plan for Christmas all year round so I don’t end up with everything to do in the space of a couple of months. This year’s Christmas is only a few weeks away now but there are always ways to save money so today I’m sharing some of my best tips! Stick to a plan At the

Should Children Be Financially Rewarded For Good Behaviour?

Collaborative post No child is the same, and that’s why it’s important to remember that different children are motivated by different things. While some may love the idea of being able to spend the money they have earned for their good behaviour on whatever they want, some children may not consider a financial reward as a prize. Children with busy parents, for example, may instead just value time spent together as a family.  When it comes to the question of whether children should be financially rewarded for good behaviour, there are many arguments for and against. Developing their skill set

How To Save Money Over The Summer Holidays

AD | Collaborative post This year is our first real summer holiday as last year Erin went to nursery all year round. I’ve spent a bit of time trying to plan our 6 weeks with a mix of bigger days out, free local activities and fun things to do at home. Planning the summer holidays can be really stressful, especially if you’re a family with not a lot of spare money (like us)! However, there are plenty of things you can do to save money over the summer holidays so I wanted to share some ideas with you. Free local

The Cost Of The Summer Holidays

AD | Collaborative post With the summer holidays coming up I am personally thinking about what we might like to do and more importantly, how I am going to make our money stretch for 6 weeks. Up until now, I don’t think I really thought about how much Erin being off school for so long would affect our finances. When Erin is at nursery I know that she has a good breakfast beforehand to get her set up for the day. During the nursery day Erin has a snack in the morning, the packed lunch I send her with, and

The Start Of Erin’s Funded Childcare

The decision to send Erin to nursery at 2 was honestly a really easy one and she started just a few days after her 2nd birthday. We’d had her nursery picked out for months and at the time, we knew it was the right place for her and us. I struggle with PND and although it’s not nearly as bad as it was, I still have my moments. I needed time and space and Erin needed to be around children her own age, something that had stopped as soon as baby classes finished. Erin going to nursery was what we

The Average Cost Of A Family Day Out

Just a couple of weeks ago we experienced our first real February half term. Of course, we have been through half terms before but Erin went to the holiday club at her previous nursery but we don’t have that option any more. This time it was just me and Erin from Monday to Saturday and I had to figure out how to fill our week. It’s very rare that we have much (or any) spare money unless I really plan out finances down to the last penny and months in advance. We didn’t actually do too much this half term