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3 Practical Ways To Organise Your Finances This Winter



With the cost of living crisis raging on in the UK and the pound falling against the dollar, it's little wonder Brits are worried about how they will pay the bills as the temperatures drop. 
For many people, this means cutting back on the little luxuries they have to ensure they can survive the winter and avoid financial ruin - 81% of Brits reported being worried about their financial situation in a recent survey.

But with everything seemingly rising except wages, how can people realistically assess their finances and ensure they can make all the necessary repayments?

Check Contracts

Firstly, check the end dates of all of your contracts. This can be for service providers such as Sky or Virgin and your mobile phone contracts. If you are close to the end of your contract, you have 2 options. 

Contact your provider to haggle on the price or cancel your services and look for pay-as-you-go options such as PAYG sim cards and monthly subscription streaming services such as Now TV or Netflix if you don't watch live TV,  but be careful to check the T&C of the TV licence before cancelling to ensure you won't be landed with a fine. 

If you have a phone line for broadband, you need to know do you need a phone line to get broadband before cancelling, and the answer is not always!

Stop Interest

Another option is to talk to your creditors and explain you are facing financial hardship and ask if there are any interest relief options on your repayments or an option to reduce what you are paying. 

It is always best to be upfront and honest about your financial situation before you fall into difficulties, as there will be more options to help you than once you have missed a few payments.

Determine Your Priorities

If it comes down to needing to cut back on your spending before you start googling "how to save money" and being presented with weird and wonderful meal ideas to feed a family of 5 for £20 a week, you need first to assess your personal situation. 

Not everyone is weathering this storm in the same boat, and you need to find out what you need in your boat to keep sailing through.

What are the absolute essentials for your life? 

From here, you can look at those things you can possibly go without until you are in a better financial situation. But remember, you need something in your life to enjoy, so if you need to go to the gym for your mental health and cancelling your subscription will be detrimental to you, then look at other things you can compromise on before cancelling it.

The reality is, there is no one right way to cut your bills and improve your financial situation. You must be honest about what you need in your life and what you class as essential to make the hard decisions until you improve your finances. 

Control your spending, check your outgoings and be realistic about what savings you can make before overhauling your finances and lifestyle.


Statement: Collaboration

The Easy Way to Look After Your Health



Life can sometimes feel like a whirlwind, with very little time to put yourself first. While most put their health and well-being at the forefront of most life goals, it's typically the last thing that we actually pay attention to. But there are ways to integrate your health and well-being into your daily schedule without it putting too much pressure on your other commitments - h
ere are some simple things you can try.

Avoid Sugar

Sugar is a carbohydrate that the body uses for energy; it's one of the energy sources that are easy for the body to burn naturally depending on the type of sugar ingested - not all sugar is as good or bad as it seems which can be difficult to understand, therefore, consuming bad sugars in large amounts coupled with other nutritional co-factors can lead to weight gain as the body holds onto the sugar source rather than burning it which over time puts pressure on the body and its overall function. 

One of the easiest things you can do to keep your body healthy is to avoid sugar where possible although tracking your food and drink intake may make it easier to understand which foods and drinks are marketed as ''healthy'' but contain larger amounts of hidden nasties. Education is key to understanding the marketing around food but until then, reducing and excluding sugars may be easier. 

Eat Nuts and Seeds

Nuts and seeds are high in calories which is why most people avoid them, but if you include these wholesome and nutritious food sources in your diet, you can lose weight and improve your general health. They might be calorie-rich, but eating nuts during the day will help to fuel your digestion and overall body function.  

Nuts and seeds are nutritionally diverse - they contain fiber, protein, vitamins, and minerals. They aid in the digestion of other vitamins and minerals also as a co-factor as the fat content helps to transport water-soluble vitamins and minerals that would otherwise have been malabsorbed and excreted.  For tiny little powerhouses, they contain large amounts of beneficial nutritional components and can be very easy to implement into a diet. 

Active Living

Leading a healthy life is relatively easy once you find a routine that works with your diary and focuses on diet and exercise. A balanced combination of these supports a healthy body, healthy mindset, and healthy spirit.  Finding the right amount of activity and exercise time also will help you find a routine that works, so, if you can't exercise every day for one hour, try adding little amounts of exercise in five or ten-minute bursts throughout the day, a little is better than none and as your mindset improves, your exercise will follow. 

Maybe try and do one set of squats as your brush your teeth, job on the spot as the adverts to your favourite TV show are on, or set a target for completing x amount of x exercise as the dinner is cooking, or while the children are at school or nursery. There are alternatives to going to a gym but again, if the gym is preferred, try changing up the times or days that you attend so you don't get bored. 

Online Pharmacy

Need medicine at short notice? 

There is nothing worse than suddenly realising you have run out of your supply of multivitamins or medications. Visiting the Online Pharmacy eases some of that stress especially if you are pushed for time, there is a large selection of medications and health products to browse and select saving you time and stress. 

There are products to support the health of your entire family by browsing online pharmacies - growing up online chemists were not an option, you'd have to trail for ages, wait in a huge queue then find what you needed wasn't available - thankfully medical and health services have improved vastly to incorporate into the modern life as they get busier.  

Stay Hydrated

Water accounts for around 60% of the body’s weight, and it’s central to many of the body’s key functions, yet, we barely take in the minimum requirements for rehydrating our bodies. 

Drinking more water supports your body but many don't. Fizzy juice, liquid milkshakes, and bottled water even all add to our liquid intake but not our water requirements as they don't contain enough molecules to hydrate or are deficient in minerals and salts required for adequate ph balance. 

Drink more water, I'd recommend adding a pinch of rock salt, pink salt or rehydration salts to your bottled water, a little goes a long way and I promise you cannot taste it. 


Statement: Collaboration

The Importance of Sleep for Your Health



For most people, it's the one thing that helps them feel better at home, helps them to do their best in their jobs, and makes them feel young and vibrant again. More than likely, it's boring, routine, and something you could happily live without.

But there is increasing evidence supporting its importance for health, longevity, and performance — not to mention some pretty cool benefits of getting more sleep. So let's take a look at some reasons why you should get more sleep.

To Maintain a Healthy Weight

Sleep is one of the most important aspects of maintaining a healthy weight. It can help you burn more calories, maintain a healthier metabolism, and even make it easier to resist junk food cravings.

Studies have shown that people who sleep less than six hours per night are likelier to weigh more than those who get at least six hours of sleep on average. One study found that each hour of sleep lost per night was associated with an increase of 0.7 pounds over a five-year period.

Another reason for this connection between sleep and weight gain is that lack of sleep reduces our body's metabolism. Metabolism is the process by which our bodies turn food into energy, which can be easily stored as fat if it's not burned off by activity or other processes, such as digestion or breathing (which also requires energy). 

Sleep Can Improve Your Mood

Sleep is a crucial part of our health and well-being. It helps us feel energised, clear-headed, and positive about life. Sleep is important for overall health. It helps restore your brain's chemical balance, which can get thrown off by stress or illness. But did you know that sleep can also help improve your mood?

Studies have shown that people who don't get enough sleep are more likely to experience depression and anxiety than those who do get enough sleep. Some studies suggest that people without proper sleep are as much as three times more likely to develop depression than those who get at least seven hours of sleep every night. Those who are struggling with sleep will often buy CBD online or use over the counter medications to try and help them unwind to get a good night sleep.

Sleep Improves Concentration and Productivity

Sleep is a critical part of staying healthy, and it's not just about feeling rested. Sleep also significantly impacts your ability to concentrate and be productive.

Sleep helps you to focus by providing your brain with rest and recovery time. When you're awake, your brain constantly processes information and forms new memories. This can be exhausting! But when you sleep, your brain clears out some of this information to focus on what matters most: how to make you a better person.

Sleep Gives Your Heart a Break

When you're asleep, your heart rate and blood pressure are lowered. In fact, when you're sleeping, your body releases less of the stress hormones that can put extra strain on the heart. As a result, sleeping well can lower your risk of developing high blood pressure and atherosclerosis which is ultimately, the thickening of artery walls that increases the risk for heart disease.

Sleep is also important because it allows your body to recover from everyday activities. When you get enough sleep each night, this recovery process helps prevent obesity and hypertension (high blood pressure). And even if you're not overweight or hypertensive now, getting enough sleep will help keep things that way by reducing stress on your body's systems and preventing inflammation in the cells throughout your body, which can lead to chronic health problems like diabetes.


Statement: Collaboration