The Surprising Issues That Can Cost A Marriage

It seems that it’s more common these days for marriages to end in a divorce than couples sticking it out until they are older. Many grandparents and older generations have marriages spanning years. But today it seems it’s easier to walk away than work on the commitment you made.

There are a lot of causes of divorce, but perhaps you may find that you are reaching for the family law solicitors numbers too quickly. Some marriages can be resolved with good old-fashioned communication. Here are some of the surprising issues that cause a marriage to end and a few tips to avoid it if you find yourself in that situation.

marriage breakdown divorce

Young age

It may seem obvious, but people who marry in their late teens are more likely to have a marriage end in divorce than someone in their 20’s or older. By about age 22 the percentage rate falls significantly. It would appear that the level of maturity has a lot to do with these marriages ending sooner than intended. Other than delaying marriage there isn’t much that can be done to avoid a young marriage ending in divorce. Of course, there are couples out there who have beaten the odds and are still going strong. If you married young and are thinking about calling time on your married life just take a moment to go back to that age you were when you made the commitment. What was it that made you do it in the first place? Try and remember what you loved about each other.

Insecurity

Having either one or both of you insecure in a relationship isn’t particularly healthy. It’s quite surprising that feeling insecure would be a reason a marriage would end. This may have a lot to do with a couple not communicating how they are feeling. Health issues could also have an effect causing depression and anxiety towards your marriage. Communication is key to resolving issues of insecurity. A lot of the time your partner may just need reassurance. It is advisable not to get frustrated in the situation but to be there to offer support.

A change of circumstance

If all of a sudden you are struggling financially or if circumstances have changed, then these factors can have a strain on marriage. One of the main marital vows is “through better or worse” meaning you should be able to stick it out whatever the circumstance. Sadly, some people can’t cope with the strain a financial situation can put on a marriage. Communication is another way to resolve the issues. Loss of jobs or being to blame for a change of circumstance can make you feel inferior. But a marriage means you are part of a team, and that’s exactly how you will get through the tough time.

As much as these issues are surprising reasons a marriage may end, with a bit of time, effort and communication they could be resolved. I hope this inspires you to work on your differences.

How To Keep Insurance Premiums Low

How To Keep Insurance Premiums Low

There is often the misconception that all insurance policies are extremely expensive. Many people do not even consider the possibility of taking out the likes of life insurance and health insurance, as they simply assume they will not be able to afford it. However, this is certainly not the case.

Generally speaking, there are some sorts of policies that are more expensive than others, for example, international health insurance is more expensive than local insurance. Nonetheless, this is because you gain from more cover and a greater degree of benefits. It is all about value. Yet, this doesn’t mean you have to break the bank in order to take out this type of policy. Discover various ways you can keep your premiums low, no matter the policy you are taking out…

Pay On A Yearly Basis – If you can afford to pay annually rather than monthly you will be able to make savings. There are a lot of insurance providers that offer substantial discounts for anyone that makes yearly payments.

Consider Increasing Your Excess – Excess is the amount of money you need to pay before your insurer will cover you. If you increase your excess you will benefit from lower monthly payments. Needless to say, this does not mean you should increase your excess to an unmanageable amount. You do not want to find yourself in a situation where you need health care or a vehicle repair yet cannot afford to pay the amount required of you.

Low Cover – When choosing a policy, you will have the option of basic, intermediate or comprehensive cover. You need to think about the level of cover you truly need. Do you really need a comprehensive cover? Yes, for vehicles, you probably do, but for health policies, you may not. It is also worth noting that young driver insurance without black box can be a bit more expensive, but a lot of people prefer this because they don’t want all of their driving to be tracked. You really need to figure out what is important for you and compare quotes based on this, but don’t pay for unnecessary extras.

A Group Scheme – Group schemes present excellent saving opportunities. Consider joining a group scheme or you could even create a new group policy yourself. All of the members of the group scheme will reduce the amount of money they pay on their insurance and so it should not be too difficult to generate interest.

So there you have it – four key points to take into account if you want to keep your premium costs low. You could also think about switching your insurance provider when the renewal period arises.

So, you’re the baby shower host.. now what?

How lovely (and, maybe a little bit daunting); you’ve been entrusted with the task of hosting a beautiful baby shower for a beloved mum-to-be. You might be feeling a little overwhelmed if you’ve just started the planning process but don’t worry, it’s time to get the troops on board, then you’ll be able to plan something really lovely together. The following are some tips, ideas, and advice for those who want the baby shower they’re hosting to go seamlessly, and be as enjoyable as possible (without inducing labour in the guest of honour!)

baby shower

Presents And Gifting

Ask and see if the expectant mother wants or needs anything specific for her new baby. Try and put together a gift list to send around to the guests; this will enable each person to tick something off the list, and they’ll be no doubling up on presents. If you are part of a close friendship or family group, you could put your money together to create a hamper full of essentials, or the main gift that perhaps the new parents have been unable to afford. Don’t go buying any designer cots or prams, without asking the mum or dad-to-be what they already have. Personalised items are another way to give the new mama something special that she and her child can appreciate forever; embroidered blankets, or art for the nursery, will make a functional gift, and be a sentimental surprise. Just try to remember that the thought put into it is the most important thing.

Send Out Those Invites

Sort out a time and a venue as soon as possible, and make sure it’s around a month or six weeks before the baby is due to arrive (leaving it too close to the due date is a risky move). The best time for a shower is around lunchtime or early afternoon; this will ensure the guest of honour won’t be too tired, and it’s the perfect time to enjoy any food, drink, and nibbles. If you’re planning a surprise for the future mama, then make sure you state that on your invitations; you don’t want anyone to let the exciting news slip. There are loads of invitation design ideas online, so it’s worth taking a look for a bit of inspiration.

Food, Nibbles, And Treats

The sweet treats at the shower can easily reflect the colour palette and theme of the event; coloured icing, sprinkles and cake toppers are all excellent ways to incorporate your chosen shades. A buffet style offering is a relaxed and informal way to feed the guests and gives everybody the chance to bring a dish to the party. By involving the guests in providing the food, you’ll save yourself precious time and money.

baby shower cakes

Any time and effort that you put into hosting a baby shower will be appreciated by the expectant mother for the years ahead. You’ll be helping her to make lasting, lovely memories, and getting everyone excited for the new arrival.

Ways To Make Your Life As Mummy, Easier

Whether you’re a Mum to five children, or you’ve just got the one special little bundle of joy, one thing we all have in common is that we’re constantly running around after them. Being a Mum is an exhausting job in itself, and then of course there’s the housework, our jobs, our spouses, and also trying to fit time in for yourself. One thing that all parents are looking for, is how to make their lives easier with little hacks here and there, especially when it comes to cleaning. So take a look at these fabulous ways to make your life as Mummy, easier.

make life easier

Invest in Tougher Products

While it’s understandable that you want to save every spare penny, buying store own brands of cleaning products might not always get the job done. Those hard dried stains on your hob just won’t come off with a simple spray of antibacterial now! Take a look at these highly sought-after products to make your life much easier when cleaning:

  • Elbow grease – and not the hard work kind either. This product is amazing for use on hard surfaces and even fabric! Simply spray, wait a little while, and wipe clean.
  • Zoflora is a disinfectant that comes in a range of incredible smells. It can be used to go over surfaces that wouldn’t otherwise smell nice. With so many uses for Zoflora, and at such a cheap price, you can have your home germ free and smelling amazing in no time!
  • The Pink Stuff is a creamy paste that’s perfect for cutting through grime and grease. Popularly used on oven doors to make them come up completely clean, it can be used pretty much anywhere around the kitchen. Again, simply let it do its job and wipe away with a damp cloth. Job done!

Modify Your Home

Sometimes, the worst job when it comes to cleaning is trying to get stubborn stains out of carpets, so why have them in every room? Consider putting oak laminate flooring by Factory Direct Flooring in the rooms that your children (and you) eat and perform messy play in so that you’re able to simply sweep up, mop, and still have time for that cup of coffee you’ve been craving all day. The same goes for surfaces in your home, try to keep them easy to wipe clean so that you’re not spending hours cleaning up after everybody, and you can enjoy time with them instead.

Consider Alternative Ways of Keeping your Home Clean

Fed up of vacuuming? Yeah, pretty much everyone is these days! However, you can now invest in a robotic vacuum to do all of the work for you! Simply set it to the room(s) you want, and let it do the work for you! All you’ll have to do is empty it from time to time!

Get Everyone Involved

Finally, rather than playing maid to everyone, why not get them all involved? Create chore charts for your children. Teaching your children to take responsibility of chores at a young age will help them later in life, and also give you even more time to sit with your feet up and a mug of hot coffee.

Days Out, Marcella and Elizabeth Hurley #LittleLoves

Two weeker here! Half term for us was amazing! We got out and about and managed to pack quite a lot in! I didn’t want school to resume this week, but all back to normality and the daily grind is well under way again.

Have to mention my lovely girl’s achievement this week. She got the highest marks in a maths exam in her class for the SECOND time in a row! She’s never really shown any flair in maths particularly so quite surprised this happened again! I was proud as punch last time but now my pride is off the radar! My clever girl.

Feeling a bit meh about some personal issues going on right now but still lots to be happy about, so here’s my Little Loves list for the past two weeks!

Read

I’ve been reading a lot more with my twin boys recently which I am enjoying. Obviously I’m supposed to listen to them read on a regular basis for school, which I do, but for ease I tend to get them to read to me together. But making the effort to read individually again has been beneficial. They’ve picked out a book each and I take them upstairs one by one to snuggle up with me and read a little bit every single day (or most days). They’re 8 now so they CAN read but reading out loud, highlighting words they don’t know and talking about the books helps them enormously to understand and enjoy the books so much more! It’s time consuming in an already busy evening but we’re all getting so much out it. They’re improving their reading skills and I’m spending some precious one to one time with each of my twins which is wonderfully special for all of us.

IMG_4334

Watched

It has to be Marcella! I had a binge watch of the first series on Netflix last week which I thought was brilliant. It packed loads into every episode. The amount of characters all intertwined was tricky to keep up with in places but I managed and thoroughly enjoyed all the twists and turns! I couldn’t wait for the new series to start on Monday… did you watch? Not sure what I think yet, maybe too soon to tell but looking forward to seeing how it goes.

Wore

Lycra! Yes I made a welcome return to the gym this week after a few months hiatus, so back on went the lycra and back on the treadmill I went!

Actually it was my daughter that spurred me on as she had an inset day at school and had been badgering me to take her to the gym for some time (kids her age, 12, seem to be just getting into it now) so I booked her in for an induction. It was lovely, a bit of mum and daughter time, so I hope it’s something we will continue to do together as and when we can. I’ve been twice since on my own too this week as I really need to up my fitness levels! Go me!

Not much lycra on me showing in this photo but my daughter here is wearing plenty!

littleloves gym workout

Heard

Gossip! Met up with a friend this week for a much needed catch up and a gossip. We did a bit of shopping, a bit of coffee shop sitting and a LOT of gossiping! Perfect day!

Made

We made lots of trips out during the half term…..

We made our first visit as a Merlin Ambassador to Chessington World of Adventures. The whole park wasn’t fully open but the zoo and a few rides were, as were the restaurants! We had a brilliant time and can’t wait to go back again!

Chessington merlin theme parks

We were invited to the press launch of Dinosaurs in the Wild which is an interactive experience set 67 millions years ago! Rubbing shoulders with dinosaurs and celebrities alike, a great time was had. This is definitely one of those attractions not to be missed. Full review coming in the next few days! Check out my selfie with Elizabeth Hurley – I grabbed her just before we left as I couldn’t go without saying hello! I look awful in this photo and she doesn’t look too impressed either but she was VERY lovely, as was her son Damian who looks like a model! She was also VERY tall! 😉

elizabeth hurley dinosaurs in the wild

dinosaurs in the wild

We visited the fabulous Willows Farm in Hertfordshire… one of our favourite local days out.

Willows Farm goat

We also went trampolining!

trampolining

And lastly….

I can’t believe the cold weather is kicking in again… I thought we were on our way to Spring! Not yet it seems, so we’re bracing ourselves for the onslaught this week. Snow forecast for Monday!

Keep warm people! x

Little Loves Coffee Work Sleep Repeat

What to Do if You Experience Pregnancy Discrimination at Work

Although the law protects you against unfair treatment at work due to a pregnancy, it’s not uncommon for women to find themselves struggling at their workplace, or even pushed out of a job due to falling pregnant. In certain industries, where it may no longer be safe to work whilst pregnant, your employer should work to find you a suitable position that you are able to fulfill during the time until your maternity leave commences. Sadly, many employers today still do not treat women fairly when they’re pregnant or want to take maternity leave from work. If you feel that you would have been treated fairly were you not pregnant, your employer may be breaking the law. Here’s what to do if you are treated unfairly or wrongfully dismissed from your workplace due to pregnancy.

1. Get Legal Advice:

The first step is getting legal advice from an experienced solicitor who is used to handling similar claims. They will be able to look at the specifics of your situation to let you know whether you are being treated unfairly, and whether it’s worth thinking about making a claim against your employer. If you’re trying to avoid a lengthy court case whilst pregnant, then it may be worth speaking to experienced settlement agreement solicitors who will be able to increase your chance of coming to an agreement with your employer outside of court.

2. Keep Records:

If you are going to make a claim, then it’s important that you are able to provide evidence of the unfair treatment. If you were dismissed for seemingly no reason when your employer found out that you were pregnant, then this may be evidence enough. However, in most cases, it’s not always as simple as that. It’s a good idea to keep detailed records of how your employer’s treatment of you changed from falling pregnant onwards. For example, if you lost out on opportunities for progression or were demoted to a lower-paid position.

3. Know Your Rights:

It’s important to be fully aware of your rights surrounding pregnancy discrimination in the workplace. Legally, you are protected against pregnancy discrimination from as soon as your employer is informed that you are pregnant, however, you are not legally required to tell your employer about the pregnancy until fifteen weeks before your baby is due to be born. Once your employer has been informed, you are protected against unfair dismissal, unfair treatment, redundancy, and discrimination on pregnancy grounds.

4. Pregnancy or Performance?

If you are dismissed from work during pregnancy, most employers will not admit that it is because you are pregnant. However, bear in mind that there will be circumstances where a dismissal during pregnancy is for fair reasons, for example, gross misconduct is not protected against whilst pregnant. Except for in the most serious cases, your employer will need to warn you beforehand if you are about to be dismissed. It is unfair for your employer to dismiss you for pregnancy-related reasons, such as absence due to morning sickness or the need to make adjustments to accommodate you.

Your employer should not treat you unfairly because you are pregnant – if this is the case, get legal advice today!

 

 

Collaborative Post

5 Reasons why Everyone Needs an Emergency Fund

5 reasons why everyone needs an emergency fund. Money savings

If you find yourself struggling every time you encounter a financial hurdle in your life, then it might be time to start considering the benefits of an emergency fund. An emergency fund can help to make sure that you’re capable of paying your bills, and shelling out cash for any unexpected expenses when problems naturally arise.

Without an emergency fund, you could open yourself up to countless potential problems including debt and discomfort. Here, we’ll look at just some of the reasons why everyone could benefit from having an emergency safety blanket in place.

Life is Unpredictable

The first, and most important reason why everyone needs an emergency fund is that no matter how good you are at budgeting, the truth is that we can’t prepare for everything. When you first begin to budget, you may find that you’re leaving out some of the essential expenses that you need to plan for, and an emergency fund can make sure that you’re ready to tackle those problems when they come up.

Just remember, as unplanned expenses do begin to emerge, you can write them down and adjust your budget accordingly to ensure that you won’t forget about them in the future. That doesn’t mean that you won’t need an emergency fund anymore, but it should ensure that you tap into it less frequently.

An Income Only Goes So Far

If you’re living alone, then the chances are you only have one source of income to rely on. Unfortunately, since you can’t turn to someone else for help when something goes wrong, you’ll find that you need even more help to ensure that you can fight back against potential problems that could arise.

Ideally, if you’re the sole income provider in your family, you’ll need to work on having at least a year’s worth of funds saved up. You can then build a larger emergency fund later if necessary. Remember, if you’re just starting a family, you might need to increase your emergency fund to take children into account.

Owning a Home is a Huge Commitment

If you own your own home, you’ll find that your need for an emergency fund is even more significant, as it’s up to you to pay for all the upkeep expenses and repairs that are necessary to keep your home in a livable condition.

As a homeowner, your emergency fund will give you the peace of mind that comes with knowing you have something to turn to if things go wrong and you need a little extra help. Remember, home repairs can be very expensive, as is something like replacing a boiler. The more you can save back to protect your home, the more you can rest assured that you will always have a comfortable place to live – no matter what hurdles might come your way.

You Need to Prepare for Major Issues

This follows on from the “life is unpredictable” comment. Even if nothing ever goes wrong with your home, and you keep hold of the same job for a number of years, you could still face major issues if you’re facing a serious medical problem or dental concern. Health issues aren’t only expensive, they can also mean that you end up having to take days, weeks, or even months away from work.

Whether you’re the sole provider for income in your household or not, a long time away from work is sure to have a negative impact on your quality of life. An emergency fund can help to soften the blow when you should be focusing on getting better.

Emergency Funds Help You Reach Your Goals

Finally, if you’re focusing on reaching an important financial goal, like starting your own business, or owning a property, your emergency fund will help to prevent you from dipping into your other savings when things go wrong. This should mean that you’re less likely to move backward on your goals instead of forwards.

Although your progress might slow down a little as you’ll need to replace your emergency funds too, you’ll be able to keep your savings untouched, so you don’t have to worry about losing track.

Though personal loans are available when you’re struggling to make ends meet, and you don’t have an emergency fund in place to help you overcome life’s little challenges, it’s often much better to budget some money aside for a rainy-day fund in case things go wrong. Borrowing options do exist, but they’ll only take you so far and can be very expensive to pay back.

 

 

*Collaborative Post
Photo by Philip Veater on Unsplash
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