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Monday, April 24, 2017

How Would Long-Term Injury Impact Your Household?


Life can throw up some incredibly difficult situations for people - and they can happen at a moment’s notice. One minute you could be doing well in life, and the next you get hit by a bus, or fall ill with a serious injury, and end up impacting your life in a negative way.

There will be a lot of fallout after an injury of this magnitude on your household and family, and it’s important to understand some of the things you might go through. These things always seem to occur when you least expect it, but a little preparation can make the difference. Let’s take a look at how a severe injury could impact your household.

Finances

First and foremost, a severe injury to the primary earner or carer in your household is going to cause chaos with your finances. An emergency fund of around six months worth of salary can help, of course, but if an injury lasts longer than this - or is permanent - there will be a lot to deal with. Compensation might be available, of course - more on which in a moment - but when you take into consideration medical payments, legal fees, reduced income and everything else that goes along with an injury, it all adds up to a lot of money.


Compensation payments

If you do get compensation, it's important to remember that you have a long life ahead of you - and you will need to make it last. As this Prudential structured settlement review points out, it's possible to request for compensation money to be paid at different points in the future will benefit you more than a lump sum - which is often the case when you are out of work for a long time with an injury. It also means your payments will be more likely to happen. An employer responsible for your wounds, for example, may not be able to meet a large lump sum payment.

Psychological fallout

Severe injuries can be incredibly traumatic for everyone involved - not just the injured member of your family, but everyone else, too. It brings an added pressure to the environment, and it’s important that anyone who needs it gets help from a therapist of trauma specialist to help keep everyone on track. Even if there is no trauma, bad injuries can lead to severe levels of depression, arguments, and adds a lot of stress to the household. Again, it’s important to be able to find a space to talk about any psychological issues that are occurring because of the injury - or your family could suffer in more ways than one.


Lifestyle

When a long-term injury occurs in a family, it often has to result in significant lifestyle changes. You might have to downsize your home or move to a specially adapted house. You might have to stop enjoying the finer things in life, consider new career ideas, and in some cases, you might even lose friends - although the benefits are that you will know who has your back when the chips are down. Change can often be inevitable in this situation, so if an injury occurs, you must be ready to consider your options.

That said, a serious injury doesn't have to be the end of a happy lifestyle or home life. While there will be many tough days ahead, and your finances could be tight, if you all pull together it is possible to face your days with positivity and hope. Good luck!

xoxo,
Therese

Thursday, April 20, 2017

Bad Credit? Forget It!

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Family life can be a great challenge. With all of the work that has to be done to make sure that the kids are happy; most people don't have time for finances. And, this is before you even consider trying to get the most out of your own life. This can make living with bad credit into an absolute nightmare for families in this position. And, it always feels like there is no way out. But, of course, there is a way out of these issues; you just need to take the right action. To help you out, this post will be going through some of the best ways to improve your credit score and make it into less of an issue.

To start with, it’s very important to understand what exactly builds your credit score. For most people, the biggest factor of their score will be any outstanding debt. Having existing debt will always drag your score down. And, this will be intensified if you miss any payments. Along with this, simply having people run checks on your credit can make it go down. If someone searches your credit and denies whatever you’re asking for this will damage the score even more. There are loads more to your credit score. And, it can be hard to know why it won’t go up. A website like sorted.org.nz should have all of the information you need to get out there and make a difference to your score. Just make sure that you use all of the resources you can to make changes.

Making a difference to your credit score starts with a website that can analyse your finances. A website like www.experian.co.nz can help you here; going as far as giving you changes that you can make to boost your score. Along with this, you can also start paying off your loans. This will have the biggest impact. If you score is low, and you don’t have money to pay off; it can be helpful to make some. Borrowing a small amount of money using a credit card and then paying it back within the same month won’t cost you anything. Instead, it will simply give your score a boost. There are loads of little tricks like this. And, they’re easy to find with some searching.

Getting help from a professional is the best thing to do; if you find yourself at a loss. It can feel like your score is unchanging, regardless of what you do. But, often, this will be because you're missing something small. Your bank will be the best place to get advice from. They will be able to help you for free. And, they are interested in making sure that your finances are good. So, it’s worth using them. Along with this, websites like https://financedistrict.co.nz/loans/personal-loans-no-bad-credit-check/ can help you to find some good loan options, while you’re still suffering with credit issues. These sorts of loans are designed specifically to be paid back at an easy rate.

Hopefully, this post will inspire you to start working harder on your family finances. It can be very stressful to deal with issues like these when you have people relying on you. So, it’s worth doing all of the work that you can to ensure that the future is bright.

xoxo,
Therese

Family Friendly Recipes

Are you sick and tired of cooking the same old recipes for your family? When life is busy, it’s easy to fall into the same pattern and feed yourself and your family the same things over and over again. With some of these recipes, it’s simple to add in more fruit and vegetables and get a variety of different tastes throughout the week. They’re tried and tested recipes that mothers and fathers have put together, so you can’t go wrong.

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1.       Egg Fried Rice – This is an ideal choice for lunch or dinner when you need something quick to give the kids. Full of protein and you can add a choice of your own vegetables. It’s easy to personalize and when you have cool kitchen gadgets, it’s fun to make. You can even get the kids involved if you have the time.

2.       Slow Cooker Chicken Parmesan – This is a delicious recipe and the whole family will love it. It’s made up of simple things that everyone loves, like chicken, pasta and cheese. When brought together it’s a meal that the kids can’t refuse. It doesn’t take up much of your time and you’ll have smiley faces once it’s all eaten.

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3.       Chicken Teriyaki – You’ll find a recipe for this at any supermarket. You can usually find easy cook packets or jars of sauce that will take time off your cooking. You can pair this with some fresh green vegetables for an all-round meal that will fill your stomachs at the end of a hard day.

4.       Slow Cooker Pizza Pasta – Who doesn’t like Pizza? Pair it with pasta and you have a real winner. This is one of those recipes you can just leave to cook while you’re doing other things and come back when your stomachs are grumbling. To add a bit of nutritional value, whip up a quick side salad. Here’s a great recipe.

5.       Turkey Meatballs with Spaghetti – This is a really easy recipe to make when you just can’t be bothered at the end of the day. Grab yourself a jar of meatball sauce and some Parmesan cheese to go on top. You’ll be in heaven before you know it.

6.       Your Choice Skewers – The great thing about this is you can change it up as and when you want to. Choose from a variety of different meats, including chicken, beef and even prawns. Add in some vegetables, like peppers, tomatoes or mushrooms. Then fry in a sauce of your choice and you’re good to go. This is a great one for Summer evenings if you want to eat outside.

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7.       Slow Cooker Casserole – One of the healthiest and quickest recipes to make. You can do all of your prep first thing in the morning and leave the cooker to do its work while you’re out. When you return a few hours later, you’ll have a delicious meal just waiting to be eaten.


Sometimes, family life can be draining but there are plenty of options when it comes to cooking that will make long days that little bit easier.

xoxo,
Therese
Tuesday, April 18, 2017

Tips For Staying In Xi'an With Little Ones In Tow

One of China’s largest cities, Xi’an is located in the Shaanxi Province of central China. This capital city is an incredibly important once as it used to mark Silk Road’s eastern end and was home to the dynasties ruling houses. The city’s glory days may have ended centuries ago, but much of its history survives beneath the modern city it has become. The Ming-era city walls are still intact, the winding alleyways of the Muslim-quarter are still packed out with market traders, and there are various other historical sights and attractions.

There’s no doubt about it, Xi’an is a truly intriguing city, and somewhere that is perfect for a family getaway. For kids, big cities like this one can make great travel destinations as there is always something on offer to keep them occupied. Well, as long as you are willing to do plenty of planning in advance and create a child-friendly itinerary, that is.

To make staying in Xi’an with kids as enjoyable as possible, below are some tips to take note of:

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Book an accessible hotel

When you are traveling with kids, it’s important to book a hotel that is easily accessible. This means looking at a Xi'an hotel that is located in the center of the city and allows you to get around quickly and easily without any long taxi rides. The last thing that you want is to get stuck in traffic in rush hour with little ones in tow. Which is why it’s best to book a hotel that’s within walking distance of the attractions that you’re most keen to see, as well as plenty of restaurants and eateries, if you plan on eating out, that is.

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Plan plenty of activities

To ensure that while you are away, your little ones enjoy their time in Xi’an, it’s a good idea to plan plenty to see and do. Kids get bored easily, so a fun filled itinerary is a must. While you’re in Xi’an, a visit to the Terracotta Warriors is a must, as is seeing the Big Wild Goose Pagoda at night. If you’re an active family, another way to spend your time could be to go biking on the city wall - your little ones are sure to love this. For a relaxing stroll, add Xingqing Park to your schedule, here the kids can play while you relax.

Be choosy about where you eat

Obviously, an important part of traveling to somewhere new is trying out new foods, but when you’re traveling with picky kids, this isn’t always a good thing. If you want to make sure that your little ones eat well while you are away, it’s a good idea to be choosy about where you eat. It’s worth doing your research beforehand, to find out where all of the most child-friendly places to eat are. As that way, you know that your little ones will be able to eat at the place that you’re dining at. The best family-friendly eateries in Xi’an include the Cyclist Restaurant, Redford Cultural Restaurant, and Seasonal tastes, among others.

There you have it, tips for staying in Xi’an with kids in tow.

xoxo,
Therese
Wednesday, April 12, 2017

No More Counting Sheep: Simple Ways To Get Your Kid To Sleep

Bedtimes are always a bane of a mother’s existence. After all, the kids never want to go up to bed. After all, they are normally in the middle of a game or watching a movie. And the last thing they want to do is head to the land of nod. And when you do manage to get them upstairs, they often lay wide awake meaning you have to try and get them to sleep. And counting sheep often doesn’t do the trick for your hyper child! Therefore, here are some simple ways to get your kid to sleep at night.


Time for a bedtime story

A lot of moms are put off reading bedtime stories to their child as they think it will cause them to be wide awake. But reading can actually help to slow down the brain and get your kid ready for the land of nod. And if you are reading to your kid, they can lay down and will hopefully fall asleep while you read. And reading is often a great way to persuade your child to go to bed. After all, you can promise a chapter if they go to sleep after. And it can often give them the boost they need to head to sleep after you have finished reading!

Make the bed a cozy haven

Your kid’s bed can often be a top reason why your child isn’t slipping off into a deep slumber at night. After all, your child needs to be comfortable to enable them to go to sleep quickly. Therefore, you need to look at ways to make their bed more comfortable. For one thing, it might be time to replace the mattress. After all, over time it can become less supportive and might be causing your child to move around rather than slip off to sleep. Therefore, look at different options for your kid like a memory foam mattress to help them get to sleep quickly. Then you need to make sure they have a good duvet which is keeping them cozy. Then look at getting them some new pillows for their bed. After all, they need a supportive pillow which will keep their head comfortable when they lay against it in bed at night!

Adjust the lighting in the room

You also need to make sure that the lighting is not causing your child to have sleepless nights. For one thing, if your kid wants a light, you ought to put the hall light on to ensure their room isn’t in blackness. That way, they can drift off to sleep quickly if there is some form of light. And if you want to put a light in their bedroom, you might want to go for mood lighting. After all, this can relax them and soothe them to sleep. Also, you can get mood lighting with sounds to help them drift off. Additionally, a night light you can put in the corner of the room can be useful. It will help to light up the room without keeping their brain alert when it’s time for bed!

And remember a cup of milk or a warm bath are also both ideal for getting your kid in a sleepy mood!

What method do you use to get your kids to sleep? Comment down below!

xoxo,
Therese

Summer Time Activities to Try

Summer is fast approaching and that means a lot of festivals and beach parties are being prepared. If you are on the look out of how you can enjoy and have a meaningful summer? Here are my top picks on activities you and your family can try.

Join a festival

Many activities are held during summer time and most of them are music related. You can hone your skills in drums like musiciansfriend.com pearl drums of guitars perhaps?



Have a picnic.

If you are on a budget, Having a picnic at a local park is a good way to keep your family entertained and have some bonding time together. This is ideal id you like to cook

Going to the beach 

Summer is the perfect time to bask in the sun and have a dose of vitamin sea.

Whats your ideal summer activity? Comment down below!

xoxo,
Therese
Tuesday, April 11, 2017

Think Of Hygiene When Keeping Your Home Clean


Nobody enjoys cleaning, but you should be putting more time and effort into keeping your home clean for health reasons as well as an aesthetic which impresses guests. Even those among us with OCD often overlook the important aspects of keeping our houses clean on a practical level whilst we obsess with it looking clean. If you want to keep your house clean for your own health and the health of all those who live with you, rather than simply trying to show off to all those who visit your home, then here’s how to keep your home clean on a hygienic level, as well as an aesthetically-pleasing one.

Keep your bedroom clean.

Whilst you may only spend the odd evening relaxing in the living room, we all retreat to the bedroom every night and spend a solid eight hours or more of our day in there. Not only does this mean it’s vitally important that you keep this part of the house clean, but it only means that this part of the house is the most likely to become dirty. You may vacuum, change the sheets and open the window to air things out, but keeping a bedroom clean requires so much more than that.

You need to be thinking about your mattress and pillows too. Vacuuming the mattress on a fairly regular basis (as frequently as you vacuum the entire room) will ensure that you get rid of any mites or dust which may still be lingering, as clean sheets will only cover up such problems and make your room appear clean on the surface; as mentioned at the state, hygiene requires far more than ‘looking’ clean on an aesthetic basis.

Keep your rooms fresh.

Believe it or not, one of the best ways to keep your house clean is to keep it freshened air-wise. Whilst you shouldn’t be leaving windows open whilst you’re out of the house (for obvious safety reasons), you should be opening windows in rooms whilst you’re at home, especially during summer, or at least investing in a dehumidifier. Humid rooms often breed mold and other unhygienic, unclean entities along windowsills, so you need to be keeping the house fresh even on those cold days of the year. You could also look into air conditioning repair, as you’ll want your system to operate well in order to reduce harmful organisms and bacteria developing on surfaces. Keeping your house clean is about so much more than scrubbing floors or wiping down kitchen surfaces. Dirt is only one half of the problem.

Keep the kitchen sink clean.


You should be keeping the kitchen clean from top to bottom, but the area you need to focus on the most is the sink. Many kitchen sinks can become far more unhygienic than your own toilet seat, as we often see the sink as a clean place and forget to wash it as often as we might wash the plates or other utensils which go in there. If you want to ensure that you’re preparing food in a hygienic environment, you need to be cleaning the sink as well as cleaning counter-tops and tables.

Keeping a clean home should be a priority not only tidy but also away from harmful bacteria. How often do you clean the areas above? Comment down below!

xoxo,
Therese