When You Need Time To Heal – How To Cope Financially After An Injury

Life is full of surprises, but sometimes they can be quite unpleasant. Illness and injuries that occur can leave you in pain and in need of a lot of rest. This is almost impossible when you have children to care for. When you’re a lone parent, it makes it extra tough. After all, none of us likes having to ask for extra help from friends and family. But this can be the only way to make sure you can get back to full strength as quickly as possible.

Of course, all of this is much easier when you have a permanent form of employment with a reputable employer. You might start with a few days of sick leave on full pay. Then you can begin to take advantage of any sickness benefit they might offer. Perhaps taking your annual leave will keep the cash rolling in? Most importantly, all your other benefits such as your pension and entitlements will continue to be there.

Kids get injured all the time and manage to bounce back. It’s not so easy for adults. So what happens when, like many moms, you can’t continue working for yourself for a while? We all know when we’re self-employed that no working means no money is coming in. It’s impossible to cover the rent, the electric or even the food bill without that important income. What can you do?

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Start by taking copies of all your medical documentation. This could include medical notes from your doctor and claims or invoices from your health care provider. Was the injury you’ve sustained caused by someone else’s negligence? You could consider making a claim against them to cover these expenses. And if your work files and returns are in order, your loss of earnings may also be claimed. Websites like www.bchfirm.com will explain how this works, but it is important to start early as it can take a while.

If you are self-employed, or even if you’re not, it can be a good idea to put a sum away in a savings or insurance scheme to cover situations like this. You can then cover the bills you currently owe. Once they’re clear, you may need to adjust your lifestyle to live more frugally for a while. It’s not fair that you have to do this, but sometimes it is the only way to survive financially. The last thing you need is debt that you can’t pay in time.

Are you able to tackle any of your usual work duties while you are recuperating? Perhaps you can work from home for a few weeks? This keeps you on full pay and could help a lot with your mental and emotional well-being too. If you can’t perform your regular duties, perhaps your employer can provide lighter duties so you don’t miss out on your wage? If you’re stuck at home, why not try to pick up some work from home jobs for a while?

Injuries happen when we least expect it. But if you can prepare for it by having savings or insurance in place, you will be better able to cope with the financial pressures. Don’t be afraid to ask for help with the kids and even your cleaning. After all, that’s what friends and family would offer to do for you anyway. Get well soon.

Remaining Calm While Handling Financial Stress!

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Dealing with debt and money troubles is a part of most people’s lives. It can overwhelm your life and become a bigger problem if you allow it, so taking control and acting practically is a must. It’s important that financial problems aren’t ignored, as they can easily become a larger problem if forgotten about.

Money worries need to managed carefully, and always seek professional advice as soon as possible. They can cause great stress and sometimes depression, so dealing with the emotional and mental side is also vital. Here are a few tips to deal with these problems as they arise, and to look after your mental health.

1. Get Help As Soon As Possible
Speak to your bank or look into debt consolidation loans; no matter what problems you have, there will be someone who can help. The key is not to remain in denial, and act as quickly as possible. Debts can swiftly mount up and become a bigger problem if left, as interest rates and charges rack up. Burying your head in the sand may seem tempting, but you will regret it in the long run. Speak to an expert and set up a plan to help you sooner rather than later.

2. Look At The Bigger Picture
Struggling with money problems may seem detrimental to your happiness, but it’s important to try to look past it. There is more to life than money and materialistic goods, so look around at the other things in your life that make it special. Take time to appreciate your friends and loved ones, and appreciate your home and the beauty around you.

3. Stay Positive And Happy
Just because you are struggling with debt, you still have the right to be happy. Make time for the passions and interests in your life, but make sure they are not costing you anything. Take books out at the library rather than buying new ones, and watch local bands in bars rather than buying expensive gig tickets. Keeping a positive outlook on life is crucial when dealing with big problems, as this will keep you going when it gets difficult.

4. Stick To A Budget
When suffering money problems, you need to look back at what you’ve done to get yourself into the situation. Something has gone wrong down the line, whether it was daily over spending or an investment opportunity gone wrong. The best way to avoid this in the future is to be aware of everything penny that is spent. Set yourself a monthly budget and stick to it. Go through your bank statement each month, and calculate how much you spend on each part of your life. You may be surprised at how much goes on petrol costs of luxury items, so focus on cutting back on these. Be practical in your budgeting, and take everything into consideration.

5. Look After Your Physical Health
There is nothing more important than your health, so don’t let this become neglected when dealing with financial stress. Try to eat as healthily as possible, get a full night’s sleep, and exercise regularly. It is absolutely possible to live a healthy lifestyle on a budget, it is just about making the right choices.

11 Tips That Will Help to Keep Your Family Healthy

Keeping your whole family healthy can be a real challenge. If you have a large household to look after, making sure you’re all doing the right things to stay healthy takes time and effort. The best solution to the problem is having the whole family unit change its habits and become healthier together. There are many different types of health, and they all have to be considered if you’re going to have a healthy and happy family.
When your family works together, you can achieve much more. And you can also make changes to your lifestyle in a fun and inclusive way. It’s the best way to go about improving your health. It will give everyone the opportunity to work together, and the children won’t feel like things are being forced upon them. So, here are the eleven tips that should help you out.

1. Start the Day By Eating Breakfast Together
The day should always start with the family sitting down together around the table and eating breakfast. It’s the healthy and proper way to start the day, so don’t let yourself ignore it. Your entire family can benefit from having breakfast. It makes them alert for the rest of the day. It gets their metabolism working as well. It’s especially important for children to eat breakfast because they they’ll be less likely to eat snacks during the day ahead. Eating the right kind of foods at breakfast is important though. It should be a type of food that is full of whole grains that release energy slowly. And try to avoid cereals that are full of sugar.

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2. Limit Screen Time
These days, it’s so easy to let your children spend time staring at screens, whether it’s the TV or their smartphone. This can be a perfectly good way to keep them entertained sometimes, but there should be limits in place too. When your children are spending too much time staring at screens, they are spending a lot of time being inactive. You can’t be active if you’re watching TV. So, apply limits on screen time to the whole family. This makes the rule fair and a little easier to accept for the children. And make sure you have alternative plans in place to replace that screen time. Use the time to do something active and engaging.

3. Replace Drinks That Contain Added Sugar
One of the biggest factors that can negatively affect children’s health is sugary drinks. These are helping to cause the massive increase in childhood obesity that we’ve been seeing in recent years. So, you should become more aware of how much sugar is contained in the drinks your family consumes. Always read the label, and try to opt for drinks that say they have no added sugar in them. These options are always so much healthier than the alternatives. If you ask me, you should ban sugar-filled drinks from the home to make sure that this doesn’t become a problem. By making this one simple change, your family will be so much healthier in the long-term.

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4. Have Fun
Having fun is also important if you’re going to have a healthy family dynamic. The psychological and mental health of your family should always be taken into account. By having fun together as a family, you will solidify family bonds and strengthen those relationships. This can only be a good thing for your family and each person’s happiness and health. Once a week, you should do something together that is fun and collaborative. Things like camping can be really good because they give everyone the chance to spend time together and bond. You can also get away from modern technology when you go camping with the family, forcing you all to talk to one another.
5. Don’t Neglect One to One Parenting
One to one parenting should be focused on too. This is something that is often neglected because many parents don’t understand the importance of it. This is another way to strengthen direct bonds between each parent and child. It also helps to encourage your child to talk to you, which is definitely a positive thing. The more they learn to share information with you and speak to you about problems they have, the better it will be for everyone. If you don’t focus on one to one parenting, it can make communicating with your child much harder. And it will only get more and more difficult as they grow older and enter their teenage years, so it’s best to build bonds when they’re young.

6. Understand Your Child’s Emotions Better
If you are going to make sure that you keep your children healthy, you will have to understand their emotions better. Only then will you be able to pick up on abnormalities that might signal problems they’re having. It’s not always easy to do this, but it’s worth spending time on. Speak to your children and get to know their behaviours. You also want them to feel relaxed about talking to you about their emotions. As a parent, you will learn what the best way to approach these kinds of emotional issues is for you and your children. It’s important not to shy away from this though because they are part of your child’s mental health.

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7. Have Time Away from Parenting
You have to think about your own happiness as a parent too. There is nothing wrong with spending some time away from parenting though. You need to have some time to yourself, away from your role as a parent. Nobody can be a parent 24/7; you have to have your own life and identity to fall back on as well. So, take some time away from parenting every now and then. You and your partner could have an evening out once a month, for example. This can be as good for your children as it is for you. You will be a better parent overall if you have a balance life and lifestyle, so there’s nothing to feel guilty about in that regard.

8. Get a Family Dental Plan
Another thing you can do to improve your family’s health is get a family dental plan. Dental health is important for people of all ages. As our diets are increasingly filled with sugar, the need for strong dental health is only getting stronger. By having a family plan, you will be able to make sure that everyone in your household has their dental health look after properly. See mydental.guardianlife.com/ for information on different dental plan options. And then decide which is best for your family. When you have the plan in place, make sure that you don’t miss appointments. It can be difficult to fit them in when you have a busy schedule, but it is important.

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9. Exercise Together Once a Day
Exercise is essential for maintaining a healthy weight and gaining muscle strength. It’s important for young people and adults alike, so why not do it together. When the whole family is doing something together, it can also be more fun. You could go for a bike ride as a family, for example. Do something like this once a day. It only has to take a short amount of time. If you do exercise every day for half an hour, it will have a big impact on your family’s overall health. It’s incredible how small changes like this can make such a difference. If your children seem enthusiastic, talk to them about it and see what kind of exercise they’d prefer to do.

10. Plan and Cook Family Meals
The food that you provide for your family to eat will have a big impact on their health. If you rely on takeaways and processed foods too much, then they will have a poor overall diet. Whereas, if you plan and cook meals for the family, you can make sure that healthy food is provided. By cooking your own food, you have the final say on exactly what goes into the food. You can avoid putting too much salt and fatty foods into the meals. There are plenty of healthy meal plans that are suitable for families on the internet, so why not explore these? You’ll be sure to find something that is suitable for your family.

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11. Create a Bedtime Routine for Children
Making sure that your child gets the right amount of sleep is very important as well. When they don’t get enough sleep, they will be tired and unfocused when they go to school the next day. Creating a regular routine that can be stuck to all the time gives your child the consistency they need. You could take the chance to read your child a bedtime story when they’re young. This helps to improve their literacy, and it helps to cement parent-child bonds too. So, get your children into a bedtime routine as soon as possible. Those bedtime habits will affect their sleeping habits in later life too. Visit webmd.com/parenting/guide/ for more information on setting bedtime routines.

This is a collaborative post for singlemomreviews.com