The Hidden Costs Of Moving You Should Keep In Mind

Moving homes can be an extremely exciting time in your life. It signifies that the next chapter is on its way, and often this might mean an upgrade in your living situation. If not an upgrade in the physical size of your home or the quality of the area you live in, it might be upgrading your social situation, such as living with your beloved while about to start a family. Moving is an extremely wonderful time for most people, but it does require that we keep aware of all factors we must pay attention to.

Of course, one of the first considerations people think of when moving are the costs involved. This is not surprising; moving home can be very expensive. However, so can the hidden costs, or rather, the costs that seem to spring up the moment you decide to buy. These amounts can build up quickly, so it’s critical to plan for them in advance. Here some of the costs you need to keep in mind when moving home…

The Hidden Costs Of Moving You Should Keep In Mind title house image

Stamp Duty

Stamp duty is not particularly a hidden cost, but it can be one that you might not keep in mind. If your home is worth a certain value, the mere act of moving paperwork and taking care of the application process will warrant its own tax. This means you need to calculate this in advance, and you can do so online. This will likely need to be accommodated for, and can obviously be added onto the final house valuation as one of those pre-emptive costs you understand and accept before making an offer. Good property agents will help you make this decision, but so will your own careful calculation. If you plan in advance, there’s no reason why this should limit the kind of property you can afford and search for from the beginning.

Moving Insurance

Moving your belongings from one area to another can be fraught with dangers to your property. Of course, for the most part removal companies are careful and willing to accommodate any and all requests that mean something to you. However, it’s also important to understand that you might need to pay a decent amount ensuring your goods are insured for the entire trip. For short distances, this might not be that much to consider. If moving long distance or even internationally, the cost of transmitting your goods will be much higher, and your insurance might even run into the thousands. It’s important to also factor this into the price of your home, as it’s likely when buying you’ll need to move by a certain date. Contacting your local removals company with the capacity to go long distance is important, because they can likely quote you an amount you can refer to in the future when it comes to budgeting your move.

Notary Public Services

If you are moving internationally, you might well need Notary Public Services to help with authorising legal documents or opening a new bank account, such as the services offered by Prosperity Law. This is another cost to be factored in, but one that could be essential to ensure a smooth move – either as a non UK citizen entering the country, or as a UK citizen opening a bank account abroad, for example.

Damage Collateral

This might not seem like a consideration, but often transporting goods ourselves, especially long distance, can lead to us damaging our own goods. When we damage our own goods we are responsible for them, and mostly no amount of insurance will help us with that. The removals company might mvoe your goods in pristine condition, but t’s always best to consider your own failings in this regard. This is because moving is quite a complex process. You need to not only manuevre your belongings but pack them, transport them and unpack them. It’s not uncommon for a person to drop, damage or incorrectly store items and thus lose out on their value. For example, storing a box in a garage susceptible to moisture might run your sofa cushion covers that you had paid a premium for.

This is not something that is guaranteed or that can even be assigned a set value from the outset, but it can be important to keep in mind. At the very least, having a working extra budget assigned for personal damages can help soften the blow if these things do occur.

Energy Tariff Costs

Of course, setting up your energy tariffs for your home will likely incur a set up charge, particularly if you’re hoping to switch providers. This can potentially take a few days to be provided in the first place also, so it’s important to keep in mind any extra considerations you might have in the first few days of moving. For example, it might be that no gas requires you to focus on takeout food or eating at restaurants – a fine and indulgent method of cheering yourself into your new home.

Some energy tariffs require payment in advance, while others might simply require a call out charge and a setup potential. This can be essentially important to consider when moving in, because you cannot evade this cost by any means at all.

Additional Setup Costs

There are many other costs that might come in apart from your usual energy tariffs. These might be your internet installations, your cable television provisions, and maybe even a payment to your local housing authority for a service rendered. For example, if living in a gated community you might be expected to contribute to the servicing of the front security station keeping your home safe. It could even be that your home has hidden damage in need of repair, such as a broken window or a damaged garage door. Again, allowing your working budget to work with you rather than against you in these circumstances can help you to no end.

In Summary

Before long you will find yourself set up and comfortable in your own home, but that might require some extra financial investment that you might not be realizing when excited to move in. Be sure to keep a large working budget to help you skirt around any issues, and to identify and calculate the costs that might be the most important for you to resolve.

With theses simple tips, you are sure to move into your new place without hassle or worry.

Do you have any moving cost tips to help plan finances and manage money? Tell me in comments!

* This is a collaborative post.

Looking After Your Health

We only have one body (and one brain), so it is vital to take good care of it! As obvious as some of the basic ways to help stay healthy are, they can easily get forgotten about within busy everyday lives. Sometimes a quick reminder prompts us to re-evaluate our current habits and make positive changes. So let’s start with simple daily practices that support good health…

Looking After Your Health text, image of lady running

Daily Habits

Get enough sleep – a good night sleep has numerous benefits; it improves memory, attention and concentration, helps regulate mood, helps you to maintain a healthy weight, fights off inflammation, lowers stress and inspires creativity too!

Be active – move around as much as possible throughout the day, try to avoid sitting for long periods, and exercise regularly. Some practical ways to do this in daily life might include simply taking the stairs instead of the lift, ditching the car and walking or cycling to work, taking a lunchtime walk, joining a gym, taking a fitness class or jogging/ park run. You could also consider a standing desk if you work in an office. These are just a few examples.

Eat healthily – make sure you eat a balanced diet with plenty of nutritional value. Ensure foods rich in protein, fibre and essential vitamins. Remember your 5 a day! Avoid excess salt, sugar and saturated fats. Drink plenty of water too. If you drink alcohol, do so in moderation.

Take time to relax – taking time to enjoy a hobby, reading a book, taking a bath or watching TV; whatever helps you to unwind. Other relaxation techniques such as meditation or yoga are also beneficial, or indulge in some art therapy.

Stay connected – whether it is a quick chat with a colleague, catching up with a friend, a phone call to family or sharing your feelings, it is important to talk and stay connected.

Track Your Health At Home

Whilst monitoring your own health at home should not replace consulting with professionals, it is very useful to track your own health at home. The information can be used to motivate yourself to improve your health and pick up any danger signs early. Often the reports from apps and devices can be sent straight to your GP too so that they can monitor results too; which means you can work together more closely with your healthcare provider.

Medical image - stethoscope, pen and notes

Health Concerns – Visiting Your GP

If you are concerned about your health, in the first instance go see your GP. Of course, common illness and ailments can be treated at home, and you can also pop into a pharmacy for advice. But if you have any doubts or niggles about symptoms then do make an appointment asap. There is no need to feel embarrassed or fear you are wasting their time; it is far better to air on the side of caution if you are worried.

Complaints

If you feel you have been fobbed off, be assertive and ensure you are satisfied with the care you receive. You can ask for a second opinion if necessary, or even request to be referred to a specialist. You should also be able to find formal complaints procedures online if needed.

Of course, most of the time professionals do their job extremely well and offer excellent care. Cases of medical negligence are thankfully relatively rare in comparison to the number of people cared for effectively. However, if your care falls below acceptable standards and this directly causes an injury to your health, then you may consider pursuing action.

However, most of the time significant errors do not happen. For the vast majority of people, such mistakes are hopefully not something you will need to think about!

Health Conditions and Treatment

It can be daunting to find out you have a health condition. Remember though that getting a correct diagnosis means that the condition can be treated, or at least managed, in the best way possible, and as soon as possible. Ask questions of professionals and seek support from local groups and networks. Talk to friends and family too. Also try to focus on any positive changes that can be made to potentially improve outcomes, if possible.

Remember: if you have a health condition, good daily habits are just as important (if not more so) to promote staying healthy!

*Disclosure: This is a collaborative post.

The Dozy Owl – 30 Days Wild (Guest Post)

Today’s guest post is from Kieran, aged 24, from Glasgow. He really loves sleep! (Don’t we all?!) You can find him blogging over at The Dozy Owl.

30 Days Wild Guest Post text, Scottish Highlands image

What is your favourite nature activity?

Walking around the local park, it gets tough in a big city trying to keep in touch with nature so it’s important to do it when you can!

Where is your favourite wild place?

The river where I grew up in the Scottish highlands, a long winding river with a great natural pool for swimming in. You can see fish swimming around if your lucky!

Who or what inspired you to take part in the challenge?

I’m always trying to improve my sleep and wanted to find out what effect going outside would have on it. It helped massively! Slept like a baby after getting into nature for a day.

I agree getting outside in nature helps with sleep, and overall wellbeing? Do you agree? Let me know in comments!

Beginners Guide To Mountain Biking with Halfords

When it comes to mountain biking, are you more likely to go shredding, or end up OTB? (Hint: if you don’t know what these terms are, check out the guide below!) If you are a novice, or are yet to try it out but are keen to have a go, then this is the post for you!

Mountain biking is an excellent way to get outside and enjoy spending time outdoors. It is an excellent way to keep fit; fantastic for health and wellbeing. Not only that, with so many tracks to choose from throughout the UK, it can also inspire and motivate people to see more of the country too. Plus it is a lovely clean, eco- friendly hobby (or is it a sport?!) as well. So basically, it is pretty much perfect!

Whilst I am somewhat of a beginner myself, I do have some excellent expert tips to get you started, thanks to this very handy Halfords Beginner’s Guide to Mountain Biking, and also with the help of some very experienced fellow bloggers too…

Beginners Guide to Mountain Biking

Choose The Correct Bike

There are several factors to consider when choosing a mountain bike; style of frame, wheel size, type of tyre and what type of mountain bike itself. The Beginner’s guide talks you through these considerations, so check that out for further details. Halfords stock a great range of mountain bikes, so you’re bound to find the ideal one for you!

With regard to the type of bike; there is front suspension, full suspension and electric. I have noticed that electric mountain bikes can sometimes get negative press, as they are seen as ‘cheating’ or somehow missing the point. However, there are also benefits to them, as this article explains. I particularly wanted to give them a quick mention though, because I believe they might potentially make mountain biking more accessible for some SEND people, so that is certainly worth noting.

Get the Gear

Any experienced mountain biker will tell you, having the right equipment is absolute key! Safety gear – helmet, elbow and knee pads, and gloves – are essential. Welsh Mum also suggests mudguards so your legs don’t get covered, waterproof gear, a comfortable backpack, and the right shoes and socks all make a big difference. Check out the gear list in the Halfords guide.

Chronicles of Theo mountain biking

Image: Chronicles of Theo mountain biking.

Bike Trails

There are trails all over the UK and they are helpfully colour coded to a standard grading system, so you can pick the right level of difficulty. Green is the beginners route, if you are just starting out. You can find out more about locations in the Halfords guide. (Told you, it’s super useful!)

Expert Advice

Miss LJ Beauty spends a huge part of her life mountain biking, and has been lucky enough to travel the world. Here is her advice:

Why not join a local mountain biking group? To find like minded people of all ability’s The key to learning is have fun! Mountain biking is progressive sport there are always new things to learn. No matter what level you are. Also don’t be afraid to ask someone on a trail! We are a friendly bunch And are more than happy to help!

Get on your bike and come shredding!

Miss LJ Beauty Fort William down hill

Image: Miss LJ Beauty on Fort William down hill.

Have you been mountain biking? Why do you love it? Where is your favourite trail? Tell me in comments!

*Disclosure: This post is written in collaboration with Halfords.

Can You Give Up Plastic? (Just For One Day)

We can be heroes, just for one day…

Tomorrow, Tuesday 5th June, is World Environment Day. You will hopefully have already seen the global game of tag in action to help raise awareness of plastic pollution and to highlight how easy it is to switch from single- use plastics to reusables. And now for the real challenge…

Can you give up plastic on World Environment Day? Just for one day. #OnePlasticFreeDay #PassOnPlastic

Can you give up plastic completely, just for one day?

Take on the challenge and see how well you can do!

Use hashtags #PassOnPlastic and #OnePlasticFreeDay to share your efforts and achievements on social media, alongside #BeatPlasticPollution and #WorldEnvironmentDay too. Please also feel free to tag me if you wish – I would love to see how you get on!

And last but not least, one final challenge…

I have just set up a club on Litterati – simply search Living Life Our Way to join me. The idea is to document the rubbish we all collect – very simple – just take a snap, tag the pic, then bin/ recycle the item.

But this free app makes it an exciting challenge – we can track the impact we are having and see who is highest on the scoreboard for some fun competition!

Download the app here: litterati.org

Then remember to join my club! (Living Life Our Way).

Take action to #BeatPlasticPollution (and all other pollution!) in aid of World Environment Day. Let’s do this!

30 Days Wild: Guest Post – Butcher Baker Baby

As promised, today is my first 30 Days Wild themed guest post. This one is written by Jules from Derbyshire. It is her first year taking part in the 30 Days Wild challenge! Here is her post…

30 Days Wild guest post. ilam peak district image

What is your favourite nature activity?

Woodland walks particularly when they are full of snowdrops/bluebells. It reminds me of the change of seasons and that spring/summer are not too far behind. I’m lucky to have a stunning snowdrop wood (Dimminsdale) and bluebell wood (Serpents Wood at Calke Abbey) on my doorstep. We make sure every year we visit to take the beauty in.

Where is your favourite wild place?

Ilam near Dovedale in the Peak District. A beautiful valley that can be popular with walkers but it’s still possible to find pockets of calm. The drive down to the village provides stunning views across Dovedale/Manifold/Thorpe Cloud and the riverside woodland is a haven for plants. Late spring the wild garlic takes over. Come autumn the range of colours from the trees in the valley is stunning. Truly a beautiful place throughout the seasons.

Who or what inspired you to take part in the challenge?

Some friends did it last year.

You can find Jules over on Instagram: @butcherbakerbaby

What Random Act of Wildness did you do today? I would love to read about it in comments!

A – Z of 30 Days Wild: A is for… Ants!

As I explained yesterday, I am not going to be blogging about 30 Days Wild as heavily this year due to other commitments. But what I do intend to do is share an A – Z of my highlights from previous years, with a few snippets of our activities this year, and some guest posts too! So today I thought I would kick off with my A – Z of 30 Days Wild Highlights.

A - Z of 30 Days Wild text Forest of Dean image

A is for…. ANTS!

One of my favourite highlights was in the first year of taking part (2016) when Squiggle discovered a large groups of yellow meadow ants in our garden. I took a quick video clip, then we observed them for a while – they were fascinating!

At the time I thought it was just grass seeds they were crawling over, as we had just put some down the day before. It was only when I shared the video to the 30 Days Wild Facebook group that a wildlife expert (Sean Foote) told me that actually they were pupae, which I was really excited about! I had no idea!

The video clip is poor quality unfortunately, but still very cool! Here it is…

Coming Up…

Tomorrow will be the first of my 30 Days Wild themed guest posts. So look out for that! And remember if you would like to take part, email me at livinglifeourway@outlook.com or fill in my google form.

What Random Act of Wildness did you do today? Tell me in comments!

Welcome to 30 Days Wild… Our Way!

It’s the 1st June and that can only mean one thing… today is the start of 30 Days Wild! For those who don’t know, this is a challenge to carry out a ‘random act of wildness’ everyday (or as many as you can!) throughout June, to encourage people to get closer to nature – wherever we happen to live and work.

What is a random act of wildness?

The website states ‘a Random Act of Wildness is any thing that you can do in an average working day to bring a little nature into your life. They can take a few seconds, a few minutes, or if you lose yourself completely, a few hours!’

So in other words, it can be anything that helps you connect with nature! There are tonnes of ideas on their website and you can also download their app, so you never need to be stuck for inspiration!

You can also check out my previous 30 Days Wild posts for ideas and inspiration too! You can find a whole section dedicated to it under the nature tab on my menu, or click here.

30 Days Wild logo

The Wildlife Trusts

The challenge is an annual event throughout June, run by The Wildlife Trusts. I am sure most of you will have heard of them, but incase you haven’t (where have you been?!) they describe themselves as ‘a grassroots movement that believes we need nature and it needs us.‘ I couldn’t agree more! Find more information on The Wildlife Trusts website and check out your local branch.

Living Life Wild

This is the third year of 30 Days Wild for us personally. For the previous two years I have signed up to their blogger challenge; the first year I took part I got shortlisted as a finalist. Then last year I was highly commended as the final runner up in my category. So I am pretty pleased with those achievements to say the least!

This year however, due to the level of my other commitments at present, I have sadly taken the (difficult) decision not to officially take part in the challenge this year. However, I will of course still very much be supporting the idea behind the challenge, and participating in a more low key way! Just less heavy on the actual blogging!!!

30 Days Wild… Our Way

As the name of my blog suggests, we do like to do things in our own way sometimes! So this year, I will be throwing myself (gently) into the challenge by creating an a – z of my previous years highlights, along with a few new activities, and a selection of guest posts too! So there will still be plenty on the 30 Days Wild theme appearing on my blog throughout the month – just not quite in the usual 30 Days Wild format!

So do stay tuned! More coming soon…

Last but not least, would you like to be featured in one of my posts?

If you would like to feature in one of my guest posts this month, you can do so by completing my google form here or email me at livinglifeourway@outlook.com

I would love to hear from you!

30 Days Wild text with Forest of Dean faded image background

Happy 30 Days Wild xx

#BeatPlasticPollution Tag – World Environment Day

World Environment Day is on 5th June and this year the topic is plastic pollution, with a global game of tag! So who’s ready to play?!

#BeatPlasticPollution World Environment Day tag

How to Play

The major issue of plastic pollution has been gaining much awareness lately, thanks to numerous documentaries and high profile campaigns. As we wake up to the level of destruction to our planet caused by single- use plastics, people are increasingly switching to reusables. Hooray! Join us in this global game of tag by sharing photos of your reusables to help #beatplasticpollution Let’s play!

The Rules

All games have rules 😉 These ones are very simple…

1. Take a photo of between 1- 3 reusable items that you personally have switched to, in order to help tackle plastic pollution.

2. Caption your photo with a short message to raise awareness.

3. Also include your top tip for beating plastic pollution.

4. Share your photo and caption, along with your top tip, tagging at least three other people.

5. Please also link back to me in your blog post and tag me on social media, thank you!

Blog: livinglifeourway.com

Twitter: @followourpath

Facebook: livinglifeourwayblog

Instagram: living_life.our_way

That’s it, just 5 easy steps!

Oh, and don’t forget to use the hashtag #BeatPlasticPollution and #WorldEnvironmentDay in your posts too!

My Top Tip

Switch out one single-use plastic at a time. It feels less overwhelming then!

Here’s my photo…

Selfie of Katie holding a Planet Wise zip sandwich bag, Save Some Green Bamboo Toothbrush and a bamboo straw.

A zip sandwich bag to avoid cling film, a bamboo straw because I don’t suck and plastic straws do! Plus a bamboo toothpaste… ok, so plastic toothbrushes are not technically a single-use plastic, but these are far more sustainable! What switches have you made to help #BeatPlasticPollution? Show me your reusables!

Tag, you’re it!

Now I am tagging the following lovely bloggers to take part too…

Katie – Mummy’s Diary

Jennifer – My Mummy’s Pennies

Sarah – Mummy Cat Notes

Louise – Birds and Lilies

Amy – Eps and Amy

Clare – Freddie’s Mummy

Liberty – Liberty On The Lighter Side

Hannah – Fab Fat Mama

Kim – Kim T Mum of 3

Ok, go! Show us your reusables!

Grab your badge here (if you wish!):

How Psychic Are You?

Have you ever wondered ‘am I psychic?’ Complete this PsychicFuture.com quiz to find out how psychic you really are!

Are you psychic? Did you know that it is estimated that just over half of us (53%) actually are? I am of a spiritual nature and believe that human brains are capable of far more than they actually get used for in many cases; I have no doubt that there is alot of (often) untapped potential.

Third eye, minds eye

However, I am not at all surprised to read that 40% of psychic people felt afraid of this ability to begin with. People often fear what they don’t properly understand. Expert psychics at Psychic Future – which is the number one psychic reading service in the UK – therefore suggest that it is beneficial to seek support from a more experienced mentor. They also advise budding psychics to follow their instincts and embrace these skills.

If you have ever wondered whether you might be psychic, why not take this quiz by PsychicFuture.com to find out…

A detailed infographic about psychic abilities

If you would like to, do feel free to tell me in comments what you scored! And remember to share this post with your friends to see how they get on too!

*Disclosure: This is a collaborative post.