Coping With Money Related Health Issues

For many people money related stress illnesses are a very serious thing and can have a massive effect on your personal and family life. Over 1 in 5 people have been diagnosed with stress related health issues with money and finance problems identified as one of the main reasons. As the UK personal debt average is consistently on the rise the number of money related illnesses are rapidly increasing with it.

The UK’s national debt average is a staggering £54,261 per household which also includes mortgages. Compared to the UK’s national average salary of £26,500 many UK households find themselves falling further into debt. Over two thirds of UK consumers now admit having to to purchase everyday essentials on a credit card and other finance alternatives such as same day payday loans.

The knock on effect that personal debt has throughout the UK is substantial with many individuals already heavily in debt having to borrow additional finances just to keep up with living costs which results in that individual being pushed further into debt. For many people suffering health issues related to personal finances, debt management plans are a suitable and fitting option. Debt management companies are able to take a look at your total debt and agree a payment restructure deal with many of your debtors agreeing to cut the total amount of debt that you are in.

For many people, not having to deal with monthly bills alone can help with stress levels and also gives you the reassurance that you can get your finances back in check. It’s estimated that 45% of people have or have previously worried about money or outstanding personal debt. Identifying that you are suffering from stress related health issues allows you to get advice and speak to someone who may be able to advise you on the best possible approach to take.

Take a look at our stress diagnosis chart to help you spot the signs of stress at a very early stage.

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Working from home is on the rise

Why is Working From Home so Popular?

With many people having to turn to alternative methods of funding such as payday loans and credit cards there may be another way in the form of a work from home job role.

Working from home is on the rise throughout the UK with many companies now offering the chance for people to work directly from the comfort of their own home. For many parents this is the perfect opportunity to generate an extra bit of income as well as maintaining a healthy work life balance. The days of maternity leave and low pay for months may well be a thing of the past thanks to a sharp increase in the number of jobs roles that are home based.

Many organisations understand the growing importance of keeping their employees happy, by offering staff the opportunity to work from home this will ensure that they are able to maintain a healthy work life balance. For many working Mum’s in particular this approach has proved hugely popular with figures on maternity leave reducing year by year with many Mother’s choosing to simply work from home as opposed to going on a lengthy maternity leave resulting in a lower salary.

The Benefits of working from home

  • Flexible working hours – choose when you want to take a break and what time you want to start and finish
  • Work life balance – For individuals with young children a healthy work life balance is essential
  • More relaxed environment – Working in the comfort of your own home
  • Additional income – Can prevent turning to other methods of finances such as payday loans or credit cards

working from home

Here are our top tips on working from home

Find a role you are passionate about

Find a job role that you enjoy and are passionate about, there are hundreds of companies looking to recruit people like you, from beauty, health and well-being companies such as Juice Plus and Forever Living to online customer service advisers.

Health and well-being companies give you the opportunity to become a distributor of their products, selling to your family, friends and neighbors can prove to be a highly lucrative additional source of income. Many online retailers offer at home customer service roles which involve replying to online customer queries either through social media or email.

What do you need?

Many companies will require you to own a laptop/computer in order to maintain frequent communication with your line manager. In some cases you will be required to attend Skype and conference calls in which you can share ideas/strategies with other members of your team.

For many people, working from home is the most suitable option when it comes to finding work, especially for individuals with young children. Working from home can bring in additional finances which can prevent families having to turn to other financial sources such as payday loans, credit cards or overdrafts. Home job roles continue to rise in popularity, a trend that has been noted by the Bank of England in recent figures released.

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Planning a Holiday on a Budget

How to save Money when booking a Holiday

Booking a holiday has never been easier, whether you are looking for a romantic getaway or an all inclusive break for you and the family, there are hundreds of websites that offer a huge variety of destinations and packages. Travel booking websites are experts at selling their holiday packages to us, just a few pictures of a white sandy beach with a blue sea and we are completely sold.

Almost two thirds of Brits now choose to book a holiday through online websites as a result of the online price war between many holiday discount sites such as and which sees holiday prices continue to fall. The increase of online holiday websites over the last year has seen the major holiday companies such as Thomas cook and First Choice drop their prices in a bid to compete with the low discounted prices that are now on offer.

It is estimated that 6 out of 10 families have turned to payday loans and other sources of finance such as credit cards in order to pay for a holiday abroad. It comes as no surprise as to why discount holiday sites have grown in popularity over the last few years making holidays for many British families more affordable.

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Here are our top tips to help you plan a holiday on a tight budget

Comparison Websites

Comparison sites will save you a lot of time when it comes to searching for a specific destination, visit sites such as who will do the hard work for you and compare all prices and packages to your desired destination.

Many different travel companies will offer holiday packages to the same popular destinations, look through as many companies as possible that are offering your desired destination. Make a note of the dates available, prices on those dates and whats included within the package that they are offering.

Book out of Season

For those families with children still at school this may not be possible, however it is no secret that all travel agents, airline companies and hotels will increase their prices during the school holidays, Why? Because they know that this is the most popular time for British families to travel.

For families or couples with no young children, booking outside of the holiday season is highly recommended with savings of up to 75%. Flight costs will be cheaper, hotels will be less in demand resulting in a huge saving compared to booking the exact same holiday during the holiday season.

Keep an eye out for flash sales

Social media is great way to find out about any sales or offers before anyone else. Recently Ryanair and EasyJet took the step of announcing flash sales which included flights from as little as £1 (yes £1… Really) through their social media platforms such as Facebook and Twitter. Get onto social media, follow all of the major airlines and travel agents and just keep an eye out for any announcements, status updates or Tweets.

But be quick as there will be many more tech savvy Brits on social media looking for a similar deal!

Look a little closer to home

A holiday doesn’t need to be half way round the other side of the world, there are great places to visit on your doorstep. St.Ives, Cornwall continues to be one of the most popular UK Holiday destinations. Famed for it’s white European style beaches and warmer climate, ST.Ives offers everything that a European beach holiday does for half of the price.

By following our 4 step plan you will instantly see a saving when it comes to booking your next holiday. With over half over UK Families using payday loans as a source of financing a holiday abroad, the savings made can be spent elsewhere such as paying off the alternative methods of finance used in order to pay for a holiday in the past.


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