The House Move – More Things To Consider

It may just be me, but it seems that everyone I know is currently in the middle of moving house. My sister has recently sold and plans to be in and settled before Christmas, two different friends have had to move in with parents whilst they wait for their moves to finalise, and I have been invited to a housewarming party later this month by yet another friend who has just moved in and is now getting settled. Clearly there must be something in the air.

From talking to these friends though, I am picking up lots of things that you need to consider and plan for if you are moving house. Whether you are moving for the first time, or moving home again to somewhere bigger, or in a different area, you need to be aware of things that can happen and throw a spanner in the works.

You need a reputable removals company.

Your belongings are precious so you want them to be truly looked after when you are moving. However, you also want the move to be affordable and reliable, with punctuality also being a massive issue – you want your furniture to be in your new home as soon as humanly possible. Look for a company that has built up a good reputation like The Man Van and this should be one area of your move that runs smoothly.

Have a Contingency Plan

Hopefully your sale and move will be painless, but sometimes things don’t go to plan and you need a contingency plan. Even sales without an upward chain can be delayed, so you may need to look at somewhere else you could stay if that occurs – you may need to move in with friends or family, or rent somewhere to ensure you don’t lose your sale.

You may also need a contingency budget in case any unexpected, or unplanned for, expenses occur due to delays in exchanging contracts, or issues occurring from surveys.

Agree on what is going to be left behind

A friend recently moved into her new home to find stuff and rubbish left in virtually every room. She had to hire a skip in order to clear the house (I saw the photos, it was pretty unbelievable.) Make sure you agree that the house will be cleared before you move in, and the only things left are items that have been discussed beforehand – i.e. carpets and curtains that you may have agreed as part of the sale.

Don’t be left with another expense of having to clear away someone elses clutter.

What if you are moving abroad

If you are moving abroad, whether it be to Europe, North or South America or to the Far East, you need to establish a good relationship with your estate agent or realtor in order that everything is ready in time for your move.

Check shipping for your furniture and belongings and make sure this is organised in plenty of time. Also check working visas and any other visas or permits so you are not left stranded on the other side.

Make sure any agreed repairs have been carried out

If you have made an offfer but have added a stipulation that some repairs or work need to be carried out, you need to make sure these things have been done. When we made an offer on our current home, we stressed that a fence needed to be added in the garden, On the day of the exchange of contracts this still had not been done, we ended up with some electrical items left in place, but also with an expense of a fence.

Visit your new home in order to measure up and check on those repairs. Don’t leave it until the last minute.

Living the Good Life with Diabetes

Having diabetes means a lot of lifestyle changes have to happen. In fact, the entire situation can often seem overwhelming, especially when a person is first diagnosed. Fortunately, it becomes considerably easier to deal with as time goes on. I have been diabetic for almost 15 years, but recently I have been transferred from tablets to Insulin, and am now having to evaluate my food choices all over again. Below are some tips about diet and lifestyle choices that can help anyone that has been diagnosed with diabetes live the fullest life possible.

Fruit

Fruit is a healthy choice and one your body needs, but some types of fruit do contain a lot of natural sugar – fructose. You can and should still enjoy fruit, it’s health benefits far outweigh the bad, and a good way to indulge is by making your own juices and smoothies where you can use a smaller amount of fruit but still get the taste and flavour. It may be worth investing in a juicer from www.myjuicer.co.uk to help make life easier.

Dealing with fast food

One of the most difficult things to alter for most people is the way they eat. Fast food is notoriously unhealthy but if you are a diabetic and you have to eat it, choose lighter options such as salads as opposed to burgers or french fries. Take care to use the least amount of dressing possible, because this can turn an otherwise healthy option into something that is scarcely any better than the hamburger you just passed up.

Eating at other restaurants

Sometimes, eating at even the most upscale restaurant is no easier than eating somewhere that serves fast food. Typically, restaurants in general have a habit of serving unhealthy meal options and the portions are way too large. Again, choose a healthy option like a salad and baked fish or steamed vegetables. Ask them to hold the dressing. This is a much healthier option than many of the other things that are probably on the menu.

Eating at home

When you learn how to cook in order to help your diabetes instead of hinder it, your life will probably become much easier. If you are going to eat meat, choose healthier options such as fish or chicken without the skin on it and refrain from frying anything. Eat a lot of vegetables and make sure that you choose healthy options when it comes to the various ways that you choose to cook them.

Typical pitfalls

There are a lot of pitfalls when it comes to dealing with your diabetes. Eating a lot of sugary desserts or frying too many foods are never a good idea. Neither is consuming a lot of pasta. If you do these things and you don’t get a lot of physical activity, you are setting yourself up for disaster.

Diabetes

Foods that help

Believe it or not, there are some foods that can actually help improve your blood sugar levels as opposed to hurting them. These include foods like cinnamon and coffee. If you love coffee, go ahead and indulge but try to leave the sugar aside. You can even incorporate some cinnamon into a few healthy desserts so that you don’t feel like you are missing out on everything all the time.

Test your blood sugar

This should go without saying. Get in a routine and test it often using diabetic test strips.

test-strip

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Physical activity

You need to get a lot of physical activity. You don’t have to prepare to run a marathon, but it is a good idea to walk, ride a bicycle or play some basketball with friends. Do what you have to do to get off the couch and start moving.

Creating the right lifestyle

Without a doubt, your life as a diabetic will require a certain period of adjustment. Focus on changing your diet and becoming more active but do not beat yourself up if you are not able to make the change completely at one time. This is a process and there is nothing wrong with that.

Sleep matters too

Not getting enough sleep can cause people to become diabetic, so it only stands to reason that you need to get plenty of sleep if you are already dealing with this problem.

Watch your weight

Sometimes it is a struggle to keep your weight under control when you are a diabetic. The sooner that you find a way to maintain a healthy weight, the better position you are putting yourself in to stay healthy.

 

 

Financing Your Life And Choices

Once upon a time shopping was simple. You went to the cash machine, drew out your money, and you shopped until it was all spent. Designer clothing was the property of the super rich and famous, the rest of the population were perfectly happy to stick to the Great British High Street, and as for internet shopping, it was merely a blink in the World Wide Webs Eye.

But fast forward to the present day.  It is no longer just the celebrities who carry the designer bags, or wear the Louboutin shoes. Nor is it just the rich who buy designer clothing. Take a look at Harvey Nichols or Selfridges on any given Saturday and you will see women of all ages and backgrounds lured by the beauty of designer goods. It is an expensive game to be part of, but luckily there are various loans online through various banks and online companies that can help you with financing your wardrobe.

If you have a touch of the shopaholic Becky (and I have to hold my hands up and say, yes, that’s me), then a short term loan from a may be a much better option than a shop store card or a credit card.  It may be that you decide to splurge on that super designer piece you’ve had your eye on, or maybe your wardrobe is in dire need of an overhaul, it could even be that your mobile phone has seen better days, or your car is now on its last legs. Whatever you decide to spend on you can rest easy in the knowledge that you will not be alone in needing help .

If you want to find out more about the current lending trends in the UK, you can find lots of information by checking out the consumer credit index produced by Cash Lady. This new tool on their website shows that millions of people apply for shot term credit solutions each year, and they have  broken down the data into monthly consumer trends by city, showing the average loan request, monthly income, and even top employers. The findings are fascinating – the top employers for Birmingham are the NHS, ahead of supermarkets Tesco and Asda, and the top reason for lending is an unexpected bill, with a special occasion also appearing in the top three reasons of most UK cities.

Whether you are paying an unexpected bill, finding money for a special occasion like a birthday or a holiday, or even just splurging on something you’ve had your eye on for a while, there are ways of safe borrowing that can make this process much easier.