Belle's bedroom chalk paint collage

If you have a little Picasso in your house then you probably found yourself wondering what to do with all of the artwork that comes in. You never want the kid to feel like you don’t value their work or you don’t care about it, but you can’t keep it. The following are a few tips on how you can handle all of the artwork that comes from your kids without having any negative effects.

Enjoy the Process 

Parents need to instill in their kids the attitude of not being attached to the final creation. Instead, they need to champion the joy of making art. Enjoying the process. This will make it easy for kids to understand that not all they have made can be kept, some will have to be discarded.

Use Your Cameras 

It might sound intuitive but most parents are neglecting the simple act of recording and taking pictures of their kids’ artwork. This not only captures the end art piece but it helps in storing a fun memory on your devices. With the presence of virtual storage systems, you will not have to worry that the digital file will get lost. In addition, having the digital image of your kids’ art helps in decluttering your kids’ workstations, creating more space for newer ideas.

Giving Art Away

As much as they are your kids, they are also part of a bigger family unit. Some of your relatives do enjoy your kids’ creative ideas as much as you do. You can send a few of the art pieces to their grandparents, aunts, and uncles but you need to allow the kids to be involved in choosing which artwork to be sent out.

Art Boxes

Not all kids will be receptive to the idea of either discarding or giving their art away, some will want to keep it all for themselves. For this type of child, you will have to come up with an art box. This is a box that they get to store their art in. The trick is you pick a container that can only hold so much so that they can’t keep everything and they do have to decide what gets kept and what doesn’t. They will find out that older art is easier to get rid of than obviously what they have just created. Then it’s pretty easy to take stuff out of the bottom and decide to get rid of it while creating space for new work.

Scrapbooking

This can be a fun way of creating art from your kids’ artwork where you get to turn your kids’ art into a book. There are two ways you can do this. You can either go for the old scrapbooking design of sticking the pieces on the pages with glue which might turn out to take up a lot of space in the house. Or after you have finished your scrapbook, you can send it out to a publisher who can then print the art pieces and design an actual book.

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what is padel

Love sport but bored of the same old games? Let me introduce you to padel, a cool new racket sport that’s taking the world by storm. It’s simple, fun and definitely one to get the heart pumping! But what is padel and how do you play it? Let’s take a look at some of the padel basics.

What is padel?

Padel was invented in Mexico in the late 1960s and was initially very popular in Spain and Latin America, spreading into the US and across Europe. It’s becoming increasingly popular now in the UK – the UK Padel Federation was launched in 2011.

Padel is like tennis in many ways. It’s usually played in doubles on a court about 25% smaller that a traditional tennis court, with scoring the same as in tennis. The rackets however are solid, and the balls slightly smaller. The main difference however is that the walls of the court are solid and balls can be played off them as in squash.

What do I need to play padel?

The basic equipment for padel is fairly straightforward – you’ll just need padel rackets and balls – but getting to grips with padel isn’t just about the equipment. What you need for padel as much as anything is strategy, so take some time before you start to familiarise yourself with the rules and some of the key shots. Read up too on tips for working the walls of the court – if you’ve only ever played tennis before then this is where you’re going to need to be a quick learner.

Where can I play padel?

As well as equipment, you will of course need to find somewhere local to play padel, as it’s not yet mainstream enough for every local sports centre to be set up with padel courts. If you’re not sure where to play padel, then padelpadelpadel.com has a full lists of all the padel venues in the UK, so you should be able to find somewhere near you to give it a try.

What else do I need to know about padel?

The most important thing to remember if you’re playing padel, just like with any sport, is to have fun! Padel is a great option for families and friends alike, and combines the challenge of a high octane game with the enjoyment of learning a skill, so why not find yourself a padel court and give it a go this summer?

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There is no doubt that camming has become one of the most sought after professions for many webcam models around the world. Lightning fast internet speeds, quality camera equipment, and flexibility to work from anywhere have made camming a viable earning option for many. These perks have many asking how to start a webcam business.

Starting a webcam business is very profitable and beneficial as you can earn good money by streaming videos of models, amateurs, and professionals alike. To start a profitable webcam business like LiveJasmin, first and foremost, you would need a robust website for streaming the videos. xCams is one such robust, readymade script that can help you set up a live streaming website like LiveJasmin in minutes. Let’s take a look at what’s required to launch a successful webcam business.

Business plan

For any business to be successful, proper planning and perfect execution of those plans is a necessity. You’ll need to research and learn about the webcam industry to form a plan about how you can go about your business.

Your business plan needs to consist of market strategies specific to your niche, research on customer requirements, in-depth know-how of your target audience, and how you can manage your business more efficiently. A proper business plan helps you be one step ahead of any contingencies on the way.

Business setup

To run a successful webcam business, you will need to set up a webcam studio. Your webcam studio can be a virtual one where all models live stream from their homes, and you facilitate their streams to the audience through your website.

Or you can make a physical studio setup where you will need a space with multiple camming rooms for the models to do live streaming shows. Either way, you’ll need to set up a website to facilitate live streaming.

Registration

When you start any business, you need to register it with the authorities under a legal category. Usually, webcam sites register as an LLC(Limited liability company) that protects you from any liability in case your business runs bankrupt.

LLC registration is easy, affordable, and straightforward, making it the best choice for a webcam business. You can customize and scale your business in later stages, depending on how your business works out.

Domain

Your camming website will need a domain server to be recognized on the world wide web. The name of your domain should be attractive to catch the attention of users. At the same time, it needs to be simple and easy to remember. Depending on your niche, do keyword research to find out your primary and secondary keywords and name your domain around them.

Website

Your website will be the face of your business, and you need to make sure that your website works like a charm. You can either build a website on your own, which will take at least 6 months and $10000 as the minimum investment, or you can build using many readymade scripts available in the market to build your webcam website.

One such readymade script is xCams by adent.io which provides you with multiple features and ways to monetize your website. It is easy, affordable, and robust to fulfill all your requirements for a webcam site. With features like live streaming, payment gateways, a token payment system, individual dashboards, and much more, xCams is your one-stop solution for a successful webcam business.

The setup of xCams is easy, and you can build your website in a matter of one or two days. As it uses tokens as the mode of payment, it becomes easy and convenient for the users to spend on your webcam site and still have no mention of NSFW content on their credit card bills. Earning money through xCams is easy via tips, eCommerce, 1-on-1 private streams, group streams, premium content, memberships, and more.

Privacy

If you’re dealing with NSFW content on your webcam site, then your privacy policy needs to be laid out clearly. Things like what you intend to do with the content should be clearly mentioned in your contract with the models to dismiss any altercations later on. Make sure to check with the local rules and regulations and implement DMCA on your website to negotiate any copyright issue that may arise.

Payment gateways

Payment gateways are very important for any webcam site. There are many payment gateways available that you can check with and choose the one that suits your needs. If your webcam site is of NSFW content in nature, then you would need a specific NSFW friendly payment gateway as not all allow NSFW content.

CCBill, for instance, is a robust and well-known payment gateway that is NSFW-friendly and has measures to tackle chargebacks. xCams comes integrated with CCBill making it a great choice for your webcam business.

Final Words

So this was all about how to set up a LiveJasmin-like website to run a successful webcam business. There are a few other things that you would need to do after your website setup is done, like getting cam models, marketing your platform, and more.

Remember, any business to be successful needs proper research and efforts to run in a profitable manner. Hope you found this article helpful in your quest to set up a successful webcam business

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If you are not succeeding on Tinder, you probably need to use this new feature.

You may have friends who have had the perfect match on Tinder. Yet even though there are some success stories, the majority are still searching for that ideal partner. That is why Tinder has launched a special feature: Boost. This will make your profile more visible. In other words, you will have a better chance of getting that long-awaited match.

However, to get Boosts, you will have to pay. Many users are willing to do so. With Tinder Boost, you can get up to 10 times more views, which of course dramatically increases your chances of more matches! Yes, Tinder is free, but a “boost” wouldn’t go amiss! This app is the world’s most popular dating app, making it the place to meet new people. So, there is a market. All there is left to do is go to it. Warning: Change your dating mistakes and patterns. It can be really valuable to take a step back and return to dating with fresh eyes.

Tinder Boost

To think about many people will see your profile as their first choice is exciting. But how do you get this feature on Tinder? You can buy the Boost at any time while swiping through profiles on the app. In fact, many users already have this Tinder feature by subscribing to the following packages:

  • Tinder Plus: It has a feature called Passport. This function allows you to communicate with other Tinder users anywhere in the world. In other words, you will have the chance to meet people from all over the world! Of course, you will have a month of Tinder Boost to increase your chances.
  • Tinder Gold: It gives you everything you will find in Tinder Plus. In addition, you will get 5 Super Likes per week! And you can find out who liked you! Unfortunately, there is no way to see who liked you on Tinder without a gold membership. Tinder Plus and free users can’t see this.
  • Tinder Platinum: It has all the aforementioned features, as well as: Message before matching!

However, Tinder Boost is just for 30 mins. After the 30 minutes is over, your visibility goes back to normal. It is therefore important that you know when and where to use it.

Some may think, “why can’t you get these features for free?”, “why do you have to pay?” “Is this a way just to make money out of users?” The answer is, if you are looking for something better, you have to pay for it.

Companies create these special features exclusively for those users who are willing to pay for a better service. Obviously, the more you pay, the more benefits you get. Like a game. Take a look on casinos that offer special bonuses such as those recommended by VSO. You will get a bonus that matches your payment. Of course, as a VIP, you can expect exclusive high roller bonuses. On this site, you will find the best casino bonuses in the UK and get the exclusive experience you are looking for. Note: Certain time limits may apply.

All these special features have one thing in common: enhance customer loyalty. Users, who have promotions or special offers, will be more likely to keep the product than those who have the basics.

Conclusion

The more attractive the prize, the more responses a company will get. More and more users are acquiring the Tinder Boost feature. Why? It increases your visibility! Get the most out of Tinder by purchasing a Boost! Tinder’s marketing strategy won minds (and hearts) by offering a unique match-making experience for millennials and Gen Z.

Some say that Tinder acts as a magnet because of the games and the interactivity involved. As you have seen, the special features it offers are very similar to those you can find in some games. But it is not only that! Indeed, the controls of navigating Tinder – swiping right to like someone and swiping left to pass on their profile – are elements of traditional games! That must be why it is so popular and keeps everyone connected. Hence, the reason for its success.

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Tight pantsuits or skirt suits, crisp collars, and shiny closed-toed stiletto heels may come to mind when thinking of women’s workwear. Classic women’s workwear is lovely, but let’s be honest, it can be uncomfortable at times. Everything changed after 2020, from how we work to how we dress for work. It doesn’t matter if you’ve never worked before or if you’re a seasoned executive at a Fortune 500 business.

Employees in various businesses are wearing for both comfort and flair, thus matching suits are less and less prevalent. To be capable of playing with your workwear, you don’t have to work in a creative industry. Pops of color are everywhere, and mixing and combining designs and fabrics is more popular than ever. Looks that combine old and contemporary working styles, such as a printed dress shirt with a tailored wool blazer, are common.

Comfortable tops

Have you ever received an email that said, “Let’s take this offline?”. It’s most commonly used in emails and online forums when a problem should be discussed in person. When you work from home, though, everything is done online. Shirts are the foundation of every work casual outfit, and they can transform your look from “needs improvement” to “deserves a raise,” and when you pair comfy tops with an effortlessly majestic piece of jewelry like a stunning pearl necklace, you will undoubtedly succeed.

A great work-from-home attire, in addition to a cup of coffee or tea, sets the tone for a productive day. All power to you, if you really want to dress up a little while working from home and without leaving the house. Before you get back to emails, reports, and whatever responsibilities come your way, it’s wonderful to function normally. On Zoom, a white satin shirt with long sleeves will keep you comfy while making you look amazing. No one will notice you’re not wearing slacks or pants on your video chat if you match it with a stylish pair of black leggings.

Cozy, yet classy bottoms

Do you want to appear more professional? Don’t sacrifice elegance for comfort with some relaxed-fit tapered high waist dress pants in traditional black. In these, figuring out how to look decent at a video conference is a distant memory. On hotter days, a looser fit is perfect, especially if you don’t have sufficient ventilation or an excellent air conditioning system at home. The detachable tie waist belt and belt loops will make you feel like you’re wearing your most expensive jeans.

Fresh white styles are what get folks in the spirit for spring and summer. In white stretched tie waist pants that are comfortable enough to lounge around in at home yet dressy enough for working from home, daydream about your next holiday as you work the day away. Swap out your workwear on top for a cropped fake leather puff sleeve blouse if you have fun plans after you clock out and close down your office space for the day, like a virtual happy hour or supper with your sweetheart. Who knew workwear could be that simple from day to night?

Outerwear for the office

Change might be frightening, but it is often for the better. When you become creative with women’s outerwear, you can come up with new ideas and looks for your work from home attire. When it comes to getting dressed for work, most people gravitate toward cardigans and blazers, but there’s a lot more fun to be had outside of those two go-to styles.

When spring and summer arrive, kimonos and dusters are by far the loveliest pieces to wear. They dress up any casual attire and assist in the creation of stunning bathing ensembles. Use a lengthy sleeve belted peplum shirt as a work-friendly coverup to flip outerwear on its head. 

Any basic midi dress or strappy top will look great with a tie-front top with billowy sleeves. Sweating through the spring and summer in a heavy coat isn’t cute, and you can store your bulkier work jackets for when you have to go back to the office and the frigid A/C that runs all year.

Final thoughts

Online work is becoming more common, much like loose or casual office dress codes. Even if a company has a physical office, it’s common to see individuals working on their computers and smartphones at a café, coworking space, or anywhere else outside of a traditional office building. And while you don’t have to go out to get to work anymore, that doesn’t mean you can’t dress up a bit for your online job.

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How to choose a guardian

Life is unpredictable as it is, and no matter how well you plan for it, there’s always a chance for things to go south. As parents, it’s an understandable predicament to prepare for your child’s future – one where you no longer remain in the picture.

After all, having a plan is better than having no plan, especially for a time when you and your partner are no longer around to care for your children. Even though it’s a difficult choice to make or even consider, you need to plan for the worst, so you could have the peace of mind that your child will be well taken care of when you are not around.

The consequences of putting off a will

Failing to arrange a guardian means it falls upon the court to choose one for you, and your child may end up with a family you won’t approve of in the interest of your child.

As the minor gets placed with a new family chosen by the court, the experience can cause disruption in the minor’s growth, even if she is already familiar with the new family.

Prioritize your child’s well-being by naming a guardian ahead of your final hour. The guardian should share your values and should be able to provide your child with a happy and secure childhood. This will ensure a smoother transition process for your child.

The best course of action is to probate a Will while you are still alive and well. Choosing a guardian for your child requires careful consideration. It would be best to select someone you can wholeheartedly trust with your child’s future – someone who can ensure that your child grows up in a loving home.

Seven things to consider when choosing a guardian

Choosing the right guardian for your child will arguably be one of the most challenging and important decisions you will ever make when making a will. Guardianship has definite implications on your child’s future.

You should consider these seven things before deciding on a legal guardian for your child.

  1. Choose someone who is a good parent

Your close friends and family might be willing to babysit for your child every once in a while. But are they ready for the responsibility of looking after your child full time when you are no longer in the picture?

Are they capable of raising a child on their own? Because let’s be honest, looking after a child is no easy feat. You should look for a guardian who treats your child with love and respect when you are not around.

If a potential guardian has kids of their own, then they are aware of the parental struggles of raising a young one and will be able to cater to the child’s needs with love and warmth.

  1. Know that you can change your decision at any time

Selecting a suitable guardian is a tough decision to make. Appointing guardianship, after all, is planning for the worst-case scenario. There is no one as perfect of a caregiver to your child than you.

That said, given the unpredictability of life, a decision has to be made and revisited frequently in light of latest developments and events, so you can be rest assured that you have mad ethe right decision.

  1. Elderly parents are not the ideal choice

People often tend to choose the grandparents of the child as the legal guardians. It might seem like a no-brainer given that they did a great job raising you, right?

While the grandparents may be an acceptable option, you should also factor in how old they will before your child has come of age.

Due to their age, they may not be the ideal choice for guardianship for an adolescent or even a teenager. However, if you follow through with your decision to appoint the grandparents anyway, make sure that you have someone in mind as a backup. The substitute guardian can also help out the grandparents in raising the minor.

  1. 4. Age and finances are essential factors

It’s essential to consider a potential guardian’s age and financial position before appointing them. Financial considerations are crucial, since taking care of a minor is extra financial burden on the guardian’s expenses.

Ask the candidate for guardianship whether or not they’d be willing to take on those extra expenses of raising a young one along with their current expenses.

  1. Religious & Moral Beliefs

Choose a guardian with similar moral and religious beliefs as you to ensure that your child is raised in a way that you would’ve wanted him to be raised. Although finding someone with almost identical beliefs as you can be next impossible, you can settle for someone with some form of moral compass than someone without scruples.

Although godparents aren’t considered guardians by law, you can unquestionably designate your child’s godparents on their birth certificate.

  1. Don’t leave it up to the court

Leaving behind a minor without naming its legal guardian in advance can have severe complications in most states. Minors need a guardian to look after their everyday affairs and take care of their estate (if designated in the will.)

The court will appoint a guardian and conservator for the child if you fail to do so yourself. You shouldn’t be leaving it to the court to decide as the chances of your child ending up with a wrong guardian are greater. When appointing guardian, ask the child’s opinion as to whether or not they are comfortable with the choice of the guardian.

Final thoughts

For the sake of your child’s future, you need to draw up a will if you haven’t already done so. Settling on a suitable guardian for your child will be the most important decision you will make during the process of writing a will. Failing to do so will only result in your child getting a court-appointed guardian, that may or not be to your preferences or in the interest of your child. When choosing a guardian, make sure they are financially stable, have impeccable morals, willing to take up the responsibility, and have an affection toward the child.

 

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Starting an anti-ageing skincare routine can be overwhelming as there are so many different products in the market. From trying to find what products you need and how often you need to use them, this can cause even more of a headache. Let us simplify this process for you!

Read ahead to find out how you can build an anti-aging skincare routine with its three important components (diet, exercise, and products) from start to finish. 

Where do I begin?

Do your research

In this ‘Age of Information,’ there is barely anything we do without doing some research on it first. And your skin is definitely not something you want to take any chances with. So before starting an anti-ageing skincare routine, you should

  • learn the science behind anti-ageing,
  • survey the types of skincare products available, and
  • go through unsponsored reviews of skincare products.

There are countless sources you can consult including medical websites, books by experts, skincare blogs, YouTube channels, and skincare groups on social media. 

However, the internet is loaded with contradictory and biased information on skincare, so it is crucial to be selective about the sources you consult. One excellent source of information on skincare is a dermatologist, also called a “skin doctor”.

Visit a dermatologist

While it’s important to gain background information, Google can’t make you an expert on skincare. It’s a good source of tips for younger looking skin, but you need a dermatologist to safely implement those tips.

Your dermatologist will take into account your concerns, age, medical history, skin type, routine, budget, and other relevant factors to help you create an anti-ageing skincare routine that works for you. 

In addition to a skincare routine, your doctor will also help you choose medical treatments such as facial injectables for specific problems like wrinkles. To learn more about injectables for wrinkles, click here.

What are the fundamentals of an anti-ageing skincare routine?

The three important pillars of an anti-ageing skincare routine are diet, exercise, and skincare products. Let’s discuss each of these in detail now.

Diet 

Food not only acts as a fuel, but it also determines the long-term health of your body, including that of your skin. Eating unhealthy foods — such as those with a lot of sugar, processed carbohydrates, and trans fats — can make your skin look older.

Fruits and vegetables, on the other hand, can make your skin look healthier and younger for longer. According to researchers, nutrition is key in retaining your youthful glow.

Some skin-friendly foods you should incorporate into your diet include:

  • Healthy fats like extra virgin olive oil, avocados, and nuts
  • Fatty fish such as salmon
  • Antioxidant rich foods including green tea, berries, and dark chocolate
  • Leafy greens such as kale and spinach
  • Supplements such as collagen

Exercise

The benefits of exercise for health are widely known, but its effects on skin health aren’t discussed as much as they should be. Exercise makes an essential component of your anti-ageing skincare routine.

It has been shown to keep your skin younger by promoting the release of toxins through sweating and increasing cell growth and replication, which slows down the aging process.

High intensity interval training and endurance workouts are especially good at slowing down the aging process. You may also want to consider adding face yoga and exercises to your routine to keep the skin on your face young and supple.

Skincare products

In addition to lifestyle changes, skincare products also make a fundamental part of an effective anti-ageing skincare routine. Because the skin is a sensitive organ, your skincare routine should be created in consultation with a dermatologist, taking your specific concerns into consideration. 

According to Dr. Ashley Magovern, dermatologist and founder of Manhattan Dermatology in New York, your skincare routine should have three basic steps: cleansing, treating, and moisturizing. 

Cleansing and moisturizing are self-explanatory, but you might be confused about what “treating” involves. Treating your skin means using products with active ingredients like retinol and vitamin C that can help give you the desired results. 

Your daily anti-ageing skincare routine should contain the following products:

Cleanser

Wash your face with a gentle cleanser, which cleans your skin without stripping it off its natural oils. You should cleanse both in the morning and at night, to take away all the makeup, grime, and dirt that has accumulated. 

Toner

A toner is not essential, but it is a great product to incorporate into both your morning and evening skincare routines to refresh your skin and maintain its pH balance. If you have oily or acne-prone skin, consider a toner with anti-acne ingredients like salicylic acid. 

If you have dry or sensitive skin, you would be better off with a hydrating toner.

Serum

Serums target your specific skincare concerns. One example is retinoids. They are derived from vitamin A and trigger your body to make more collagen, which maintains your skin’s elasticity and firmness. Retinoids are introduced gradually into your anti-ageing skincare routine as their potency can cause irritation. 

Remember to consult a dermatologist to help you chart out how to incorporate retinoids into your skincare routine.

Alternatively, you may opt for a vitamin C serum, which helps reverse a lot of the damage your skin gets from pollution and the sun.

Moisturizer

Moisturizers should be incorporated into both your morning and night routines as it not only keeps your skin hydrated but also strengthens its barrier. It is normally applied after active ingredients such as serums.

Sunscreen

Sunscreen should be worn religiously, even if you’re staying indoors. UV rays from the sun (which can penetrate through windows) can cause lasting skin damage and promote fine lines and wrinkles. 

A broad-spectrum SPF 30 sunscreen should be the last step in your anti-ageing morning skincare routine to combat solar damage. Here are some more anti-ageing practices to adopt. 

 

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You will encounter many milestones throughout your life, few as significant as retirement. Regardless of your aspirations for retirement, it’s crucial to explore your options for your post-working years. This article aims to inform you of what you need to do if you’re considering early retirement. It is critical to plan for your long-term future; when considering your pension, seek expert advice from a specialist such as Portafina.

One of the most significant benefits of early retirement is having more time to do the things you want and enjoy. However, you’ll need the money to do this. Therefore, you must have a plan for when you stop working and no longer receive a salary. 

Without a financial plan, you’ll unlikely have sufficient income to sustain the lifestyle you want. When planning, it’s crucial to be realistic, as this will help you from making any life-changing decisions you later regret. While making your plan, you’ll better understand when early retirement is a realistic option and how you can accelerate it.

Can you afford early retirement?

This question is the most crucial one to ask, as you cannot retire early if it is unaffordable. A recent study by Which? magazine delved into three lifestyle options for retirement, ranging from essentials to luxury. The report looked at the average spending requirements of each lifestyle and came up with a required income.

The report concluded that a single person would need a retirement income of £19,000 to live comfortably. However, this figure increased to £26,000 for a two-person household. Which? also included information about the amount needed in your pension pot and the contributions you’ll need to make to achieve that.

Assessing your retirement income.

Your retirement income could be made up of one or all of the following:

The State Pension.

Although the state pension is an excellent supplement to your retirement income, you will not receive it until at least 66. Therefore, if you want to retire early, you cannot rely on this money. Instead, you will need to put something else in place for your initial retirement years, such as a personal pension.

Personal and workplace pensions.

Personal and workplace pensions are the most common form of retirement income. Recent regulations regarding pension freedoms mean that many people can now access their pension funds from age 55. However, you should be aware that taking too much money too soon could leave you short of income when you fully retire.

Savings and assets

You may have other savings and assets that will allow you to retire early. These could include ISAs, rental properties, or other investments. You might have to cash in your investment or savings to bridge the gap between early retirement and receiving your State Pension.

How to boost your retirement funds.

When planning for early retirement, you may find the numbers don’t work. The good news is, there are things you can do to boost your retirement funds:

Assess your pensions.

Pension schemes will differ in performance, administration, and management charges. If you are part of a scheme performing poorly and has a high level of charges, your funds could be diminishing. Consulting an independent financial advisor helps you assess your pension options and switch to a more beneficial scheme.

Make top-up payments.

Topping up your pension contributions now and again can significantly impact the money you have for retirement. Pensions are an excellent long-term savings vehicle as they are tax-efficient. Therefore, consider putting any leftover cash into your pension savings rather than squandering it.

Even though your top-up payments may be minimal, they will still benefit from compound interest growth. What this means is the money you earn on interest in one year will benefit from the following years of interest. Over the lifetime of your pension, these small top-up payments can grow considerably. The sooner you make top-up payments, the more time they will have to grow.

Join a workplace pension scheme.

If you are employed, you would likely have been auto-enrolled into a workplace pension scheme. If you’re not part of one, you should consider joining as soon as possible. Workplace pension schemes take a small proportion of your salary, about 4%, and put it in your pension fund. On top of this, your employer also contributes to your retirement fund.

Postpone your retirement.

An obvious way to generate more money for your retirement is to put your retirement off. Although postponing your retirement is contrary to early retirement, it will enable you to prioritise having sufficient income when you stop working. Also, the longer you work, the longer you will receive your employer’s contributions to your retirement.

Postponing your retirement not only has a financial benefit, but it can be good for both your physical and mental well-being. If continuing to work full-time past your planned retirement age is challenging to accept, why not consider reducing your hours or getting a part-time job instead?

Early retirement is all in the planning.

With a bit of financial planning, early retirement is achievable. It all starts with you deciding upon the lifestyle you want to have when you start working, calculating what that will cost, and taking action to achieve the income you require for it

 

https://www.which.co.uk/money/pensions-and-retirement/starting-to-plan-your-retirement/how-much-will-you-need-to-retire-atu0z9k0lw3p

 

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bucket and spade family holiday

Time spent together exploring new places and having fun is what memories are made of. But if you’re worried that a family vacation will break the bank, don’t be!

Debt experts Carrington Dean share below their top tips for a family vacation that doesn’t break the bank. Having helped hundreds of families beat debt through Trust Deeds, Carrington Dean have the experience to help if you are struggling. Not sure where to begin? Start by checking your Trust Deed eligibility HERE.

Here are their 12 money-saving tips for a family vacation below:

  1. Plan ahead to get the best deals on flights and accommodations.

If you’re looking to take a vacation on a budget, it’s important to plan ahead. One of the best ways to save money is to book your flights and accommodations well in advance. This gives you time to shop around for the best deals and avoid paying last-minute prices.

  1. Choose a destination that is budget-friendly.

There are a number of budget-friendly destinations around the world that are perfect for families. Some great options include Thailand, Vietnam, and Cambodia. These countries offer a wide range of activities and attractions, as well as affordable accommodation and food options.

  1. Consider a package deal.

Another great way to save money on your family vacation is to look into package deals. Many travel companies offer discounts when you book your flight, hotel, and rental car together. This can be a great way to reduce the overall cost of your trip.

  1. Stick to a budget.

Once you’ve determined how much you’re willing to spend on your family vacation, it’s important to stick to that budget. This means being mindful of your spending and avoiding any unnecessary purchases. If you can stick to your budget, you’ll be able to enjoy your trip without breaking the bank.

  1. Find free or discounted activities.

There are a number of ways to find free or discounted activities when you’re on vacation. Many museums and attractions offer discounts for families, and there are often coupons available for local activities. You can also find a number of free or low-cost activities by doing a bit of research in advance.

  1. Eat like a local.

One of the best ways to save money on food while on vacation is to eat like a local. This means avoiding tourist traps and instead opting for budget-friendly restaurants and street food. Not only will you save money, but you’ll also get to experience the true flavor of your destination.

  1. Use public transportation.

If you’re looking to save money on transportation while on vacation, consider using public transportation. This is often much cheaper than renting a car, and it can be a great way to see your destination. Be sure to do some research in advance to find out which option is best for your trip.

  1. Stay in a budget hotel.

There are a number of budget-friendly hotel options available, so be sure to do your research before booking. There are a number of websites that offer comparisons of different hotels, so you can find the perfect one for your needs.

  1. Avoid tourist traps.

One of the best ways to save money on your family vacation is to avoid tourist traps. These are often overpriced and not worth the money. Instead, focus on finding budget-friendly activities and attractions that will give you a true taste of your destination.

  1. Travel during the off-season.

If you’re flexible with your travel dates, consider traveling during the off-season. This is often when prices are at their lowest, so you’ll be able to save a lot of money. Just be sure to do your research in advance to find out when the off-season is for your chosen destination.

  1. Use coupons and discounts.

Be sure to take advantage of any coupons or discounts that are available. Many attractions offer discount tickets for families, and you can often find coupons for local restaurants and activities. By using these coupons, you’ll be able to save a significant amount of money on your trip.

  1. Shop around for the best deals.

When you’re planning your family vacation, it’s important to shop around for the best deals. This means comparing prices for flights, hotels, and rental cars. You can also sign up for newsletters from travel companies to receive exclusive deals and offers. By taking the time to shop around, you’ll be able to save a lot of money on your trip.

With these 12 amazing tips, you’ll be sure to have a budget-friendly family vacation that doesn’t break the bank. So start planning your trip today and enjoy all the amazing benefits that come with it!

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Holding a birthday party for your child and some of his or her friends can present some challenges. One of the kids may have food allergies or be on a strict diet. Others may have parents that don’t want them hyped up on a lot of sugar.

Keep everyone happy with these ideas for birthday treats both kids and parents will love.

1. Parfait “Sundae” Bar

Have the kids make their own healthy “sundaes” by setting up a parfait bar. Use Greek yogurt and fresh or frozen berries, granola, nuts, and raisins, and let the kids layer the ingredients in their cups as they like. You can also have some coconut yogurt on hand for those kids that are dairy-free or vegan.

2. Fun Fresh Fruit

Few parents would balk at their children eating fresh fruit, but kids can sometimes turn their noses up at plain cut-up apples or oranges. You can make fruit more fun by cutting it up into pieces and allowing the kids to make pictures with it. Give them paper plates and cut-up pieces of apples, bananas, oranges, kiwis, berries, and whatever else you have.

Put out some nut butter and hummus for kids to use as “glue,” perhaps some cut-up celery, cucumbers, and lettuce for green decorative items, and raisins and nuts for eyes and noses. Kids will make pictures they can munch on the way!

You can also dress up your party with pre-made fresh fruit arrangements. Choose platters, bouquets, or baskets, and let them dress up your tables in a healthy way.

3. Make-Your-Own Snack Mix

You can make these ahead of time or get the kids involved if you like. Personalize the mix for the birthday boy or girl by choosing their favorite ingredients. Good options include cereal, nuts, seeds, dried fruit, air-popped popcorn, raisins, and granola. Place in paper cups, plastic bags, or even flat-bottomed cones.

4. Choose-Your-Own Mini Pizza

These are a hit at any birthday party. Skip the cake and bring on the pizza. Make things easier by getting some ready-made mini-pizza dough before the party starts. Then let the kids choose their toppings from your homemade toppings bar. Fill it with favorites like cheese, ham, pepperoni, pineapples, cherry tomatoes, chicken pieces, green peppers, and olives.

You may want to spread the tomato sauce yourself for younger kids or let older ones make their own. Finally, pop the mini pizzas into the oven for 15-20 minutes.

5. Festive Taco Bar

A taco bar can be just as fun as a parfait or pizza bar. Prepare all the fillings the day before, then set them out and let the kids go for it. Fillings may include beef, chicken, and some vegetarian options if needed, along with cheese, tomatoes, lettuce, and black olives.

6. Watermelon Cut-Outs

Watermelon has the coveted position of being healthy and loved by most kids. You can make it even more fun by hauling out the cookie cutters and letting kids cut out their favorite watermelon shapes. If you have cutters shaped like hearts or letters, kids may have fun spelling their names. Add some color by using honeydew and cantaloupe too.

7. Dippable Veggie Platters

Think kids won’t eat their veggies? Try luring them in with some tasty dip. Start by cutting the veggies into small, fun shapes. (Good options include carrots, celery, cucumbers, and cherry tomatoes.) Make them into faces on a plate if you like. Then pull out the dip. Good options include yogurt, nut butter, hummus, melted cheese, cream cheese, and avocado.

8. Party Popcorn  

As long as you air-pop it, popcorn is a healthy treat. And you can do a lot with it. Let the kids string it on a thread and use it as a decoration, or play a game to see how many times pairs of kids can catch tossed pieces in their mouths. Add some flavor to the popcorn with some grated Parmesan or garlic powder, or toss it with some almonds, coconut, and a few chocolate chips.

9. Chips and Dip

Most kids like tortilla chips, particularly if they have a choice in what dip to use. You can put out small bowls of salsa, guacamole, melted cheese, hummus, or garlic dip, or make your own homemade dip. Use small cups to give kids individual servings of dip.

10. Fruit Slushies

Forget the food and go for special drinks with real fruit slushies. They’re easy to make and almost always a hit with kids. Combine real fruit and ice in a blender and you have a refreshing, balanced snack for the kids. Make it creamy with a little yogurt or a dash of vanilla ice cream.

It can be difficult to find party treats that are kid-appropriate yet not too loaded with sugar and other ingredients their parents probably don’t want them to load up on. Keep the kids satisfied with these delicious party treats that their parents won’t mind. 

 

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As a young parent, you’re probably always looking for ways to teach your kids important life skills. One of the most important is how to save money. Teaching your kids early on how to save will help them in the long run.

Young people, having not been taught the importance of saving, often find themselves trapped in a difficult financial situation later in life. This can lead to filing for consumer proposals and other solutions to help beat the debt they are in.

Start teaching your kids to be mindful of money and how to save to minimise any financial issues later in life.,

Check out the top tips below:

1. Lead by example

This can be done in a variety of ways, but one of the best strategies is to lead by example. If you are frugal and focused on saving rather than spending, your kids will likely follow suit. This means being intentional about how you use your own money, shopping around for deals when possible, and finding ways to reduce your monthly expenses. In addition, it’s important to talk with your kids openly about money and finances – sharing what you learn along the way and discussing any challenges that come up.

2. Start early

It’s never too early to start teaching your kids about money. As soon as they are old enough to understand, start talking with them about money and what it means. This can be done in a simple way, such as explaining that money is something we use to buy things we need or want. You can also introduce the concept of earning money through allowances or chores.

3. Encourage them to save

One of the best ways to encourage your kids to save is to match their savings. For example, if they are able to put away $5 from their allowance each week, you can match that with an additional $5. This will help them see the benefits of saving and will encourage them to keep up the good habit.

4. Help them set savings goals

It’s important for kids to have a reason for saving money, so help them set specific goals. This could be something short-term, like saving for a new toy, or something longer-term, like saving for college. Once they have a goal in mind, help them come up with a plan for how to reach it. This could involve setting aside a certain amount of money each week or month.

5. Teach them about needs vs. wants

One of the most important lessons you can teach your kids about money is the difference between needs and wants. Needs are things we must have in order to survive, like food and shelter. Wants are things that we would like to have, but they are not essential. This is a tough concept for kids (and adults!) to grasp, but it’s an important one. When they understand the difference, they can start making better decisions about how to spend their money.

6. Give them opportunities to practice

One of the best ways to teach your kids about money is to give them opportunities to practice. This could involve setting up a pretend store where they can play “customer” and “salesperson,” or giving them a small amount of money to spend at a real store. This will help them understand the concept of money and how to make decisions about spending.

7. Encourage them to be charitable

Teaching your kids about the importance of giving back is a great way to instill the value of money. When they see that their money can be used to help others, they will start to understand its true worth. There are a number of ways to encourage charity, such as donating old toys or clothes, helping out at a food bank, or volunteering at a local shelter.

8. Help them understand credit and debt

Credit and debt are two important concepts that every adult should understand. But they can be confusing, especially for kids. A good way to explain credit is to think of it as a “loan” that you will need to pay back with interest. Debt, on the other hand, is money that you owe and cannot pay back. It’s important to teach your kids about the dangers of going into debt, and how to avoid it.

9. Talk about advertising

Advertising is everywhere, and it can be tough for kids to understand. A good way to explain it is to say that advertisers are trying to “sell” us something. They do this by showing us pictures or videos of people using their product and telling us how happy they are. It’s important to teach your kids that not everything they see in an ad is true, and that they should be careful about what they believe.

10. Keep the lines of communication open

Money can be a sensitive topic, so it’s important to keep the lines of communication open with your kids. This means that you should feel comfortable talking about money with them, and they should feel comfortable coming to you with any questions or concerns. If you can create a open and honest dialogue about money, you will be setting your kids up for success.

In conclusion,  teaching your kids about money is a crucial life skill. But it’s not always easy. By using these tips, you can help your kids learn about the importance of saving, spending, and giving.

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We live in progressive times, from co-working spaces to speed date events specially designed and tailored to the needs of adults living on the spectrum – 2021 had it all.

In 2022, there is a new buzzword that everyone needs to know about and that is – “mommunes”. These co-habiting spaces are designed for single moms raising their little ones together.

As every mom knows, having a newborn can take its toll on those around them. The late-night feeds and changes and the screaming can get a bit much for roommates – and that’s where mommunes come in.

Here are five things you need to know about these co-living spaces:

  1. Shared Knowledge

The trend that is a play on the word “commune” is taking the progressive world by storm, but if you think about it – this is how children were raised long ago. That’s where the saying “it takes a village” comes from.

This kind of communal living arrangement gives single moms the shared knowledge they need to raise their children. When experienced moms share their knowledge and wisdom with new moms, great things happen.

  1. Mom Support

No one on this planet understands a single mom quite as another single mom does. The support and help from others who know what you are going through are immeasurable.

Your friends and family can support you as much as they like, and that is wonderful – but mom friends are a must for getting through the difficult times.

  1. Insurance & Home Warranties

Being a mom means that you will always have your little one to worry about – even when they’re off to college and not so little anymore, so make sure that you don’t have to worry about trivial stuff too.

Get true peace of mind by investing in a home warranty package to suit your needs. Check out a review of what Choice Home Warranty offers and find the one that works best for you and your budget.

  1. Money Saving

Shared knowledge is a massive bonus, but shared costs will seal the deal. When living in a mommune, the most vital thing to do is to embrace bulk buying. Most communal mom spaces will have anywhere from four to twelve children living in them – so value deals are your friend.

Save your money, if possible, for a rainy day. Remember that medical costs can cost a fortune, so save where you can because all children get sick – it’s just a part of growing up. That means that cohabitation can be the best solution for you and your child.

  1. Shared Clothing

Every mom knows that children outgrow clothing at lightning speed. Communal co-habitation spaces mean that all that clothing will not go to waste. Share your clothing with the other moms and they will do the same for you.

As your children get older, their old clothing items can be passed down to the younger children in the mommune. These could be the best thing to happen to single moms, next to the birth of their beautiful babies that is.

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