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TIPS & INFORMATION ON MANAGING YOUR FINANCES DURING THE COVID-19 PANDEMIC…

I am sure I am not alone in knowing someone be it a family member, friend or acquaintance who has lost their job due to the pandemic.

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I am also sure I am not alone when I say that finance worries can affect your health in a big way. Stress creates many health problems and can even flare up old ones. We are going through an exceedingly difficult period now and getting our finances in order is essential. People suffering from mental health and anxiety due to the Covid Pandemic will struggle even more.

I have spent some time online looking through different sites for information and topics on finance related information. From savings, budgets, retirement planning, mortgages and personal loans and I think the one thing they all have in common is that you need to calculate anything related to your income and outgoings.

Health is something I write about daily and that includes my own health which as many of my readers will know has taken a bit of a nosedive recently. So, I did take a quick look at Health Insurance. I do have my own but like many insurance policies be it for health, home or car you try and keep the monthly payments down by adding on an excess amount which you pay yourself before the insurance company starts paying for your claim. Researching a bit further on the cost of self-pay for health treatments lead me down the personal loan route, to see if that is something worth thinking about before my next renewal.

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Loans, according to Bloomberg are not just for anyone even large companies like American Airlines are taking them out but they say that it’s the small businesses, who are the beating heart of the US economy and the ones who have needed Covid loans the most. The UK have Covid Bounce Back Loans for small companies for the same reason. But, what about Mr/Mrs Joe Public who is retired, has saved all his/her life for retirement and is now finding their funds diminishing by the day? This pandemic is certainly something they will not have planned for and although the younger generation may think it’s such a long way off they don’t need to worry it’s important that they understand how no one knows what life is going to throw at us.

I found a great list of expert and useful tips from Forbes on ‘Financial Tips for Surviving Covid-19’, which included making a list of ‘separating wants from needs’, ‘taking advantage of a line of credit’, and or ‘utilizing your credit cards’ and more.

Of course, before trying out anything it is essential that you work out your monthly income and outgoings. Take into consideration that this pandemic may last another six months at the very least and we are about to enter Autumn then Winter when our heating and lighting will be on a lot more than it has been on for the last six months.

Do not be frightened to get in touch with any of your own insurance companies and comparison sites to find the best one for you. It is a minefield out there but if you tread carefully you can get through it. I found this great site called Pigly which has calculators for different loans, insurance and even a budget calculator with budget planning, paycheck estimator and cash flow etc.

Dealing with your finances at any time is not everybody’s idea of having fun but needs must now so look at it with your eyes fully open and not half shut. I am a big fan of the Money Magpie site which also has lots of tips on hidden expenses to include in your budget plan which include ‘optometrist appointments’, prescription medication, books and audio subscriptions, house contents insurance, car maintenance, boiler maintenance and much more. And of course the well known Money Saving Expert’s site has MSE Coronavirus Guides which include Coronavirus Finance and Bills Help.

Once you have sat down and written your budget plan, even if it’s not looking so good it will still feel like you have lifted a weight from your shoulders as you have actually starting doing something about it. Just remember to use reputable companies when looking for any further dealings.

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HOW TO DEAL WITH ANXIETY DURING COVID-19 PANDEMIC…

30 days of ideas to help with the challenges we are all going through with the COVID-19 pandemic.

We are all inevitably getting anxious about the present situation with the COVID-19 pandemic and if you are a naturally anxious person then your anxiety will probably be quite high.

Although there are lots of strategies on how to deal with anxiety, CBT in particular, I felt this 30 day happiness challenge infographic gave more ideas on how to calm your anxiety at this time even though we can obviously not practice some of them.

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CAN ‘TO DO’ LIST’S CAUSE ANXIETY?…

Can to do‘ list’s cause anxiety? Appointments, dinners, errands, we’re all juggling a million things at once and ‘yes’ some experts say that ‘to do lists can cause anxiety.

Psych Central say that ‘If you make a to-do list, carefully look at each item. How much emotional energy will you need for each one? If you tend to have the most energy in the morning, then pencil in the high-energy tasks first thing. Also, decide that you will not feel guilty for anything on your list. For example, if you want to set aside 20 minutes to folding laundry tomorrow, then give twenty minutes of your whole heart to folding laundry. Know that you are doing something of value, and don’t waste one bit of energy wishing you were doing something else.’

I am a typical ‘to do list person and I can appreciate that it can cause anxiety as I get really anxious if I don’t manage to get through what I have on my list. I also add to the list constantly which doesn’t help me to get through the list but I do get a buzz from crossing off what I have listed on it. Personally, I think the opposite as I always feel great when I have written everything down and more anxious when I have lots of things going through my mind.

Nowadays everyone seems to make a ‘to do’ list and there are many available online with ‘Wunderlist as the number one choice, a free to download app.

They say ‘Wunderlist is the easiest way to get stuff done. Whether you’re planning a holiday, sharing a shopping list with a partner or managing multiple work projects, Wunderlist is here to help you tick off all your personal and professional to-dos‘.Organize and share your to-do, work, grocery, movies and household lists. No matter what you’re planning, how big or small the task may be, Wunderlist makes it super easy to get stuff done. Set Due Dates and Reminders and Assign to-dos. No matter whether your lists are work-related or just for fun, you will never miss a deadline again with Wunderlist in charge.

I thought it was quite funny it mentioned about reminders as I have quite recently set a reminder on my phone to take one of the drugs I am on at a specific time as I just kept forgetting to take it.

Of course, a lot of us (including me) like the sort of to do lists that we manually write down as we love to cross out some of the jobs we have jotted down. I love notebooks especially the pretty ones you can buy nowadays from personalised ones from Etsy to an assortment of beautifully covered notebooks from TK Maxx.

I could spend a fortune on the ones from TK Maxx with the different statements on the front of them and can almost guarantee that my daughter will have one wrapped up for me for Christmas.

You could also just go to Pinterest and tap in ‘to do‘ list and you will be shown a page full of free to download ‘to do‘ lists just ready to start filling in and I am quite sure you will not feel in the least bit anxious about writing it, in fact some say daily ‘to do‘ lists can help productivity. Do you write a ‘to do‘ list and if so what on?