Three Times in My Life When I’ve Needed Money Fast

We’ve all been there – some more often than most, when you’re a week away from pay day and something (or in my case, everything electrical) decides to inconveniently stop functioning.

This happened to us while I was on maternity leave with our youngest daughter – I’m talking fridge, TV, washing machine and oven IN THE SAME WEEK.

I was naturally ever grateful for statutory maternity pay – we are much better provided for than some, I know – but unless you have actual, real-life savings to fall back on, this sort of thing can be a massive worry.

Being in the rubbish financial situation we were, we had to find cash fast, and in the absence of a money tree growing in the garden, we had to borrow it.

Our loan was a life line – with a young baby and a drastically reduced income, we couldn’t have survived without it!

Other situations that could be diffused by quick cash include…

Vet Bills

We have a Whippet Cross puppy – I have dubbed them ‘The kangaroo of the dog world’. As he’s still quite young, we still run the risk of him bolting and running blindly into an on-coming car – we have obviously insured him for this reason, but a loan would help in the interim – If I had to find the cash upfront, without the help of Quick loans online in the UK, we wouldn’t be able to manage!

Garage Bills

Again, with two young children and only one and a half incomes, we try to keep the costs down, so our cars are ancient and held together with string and pre-chewed gum – they could die at any time.

Redundancy

This could happen to any of us, at any time, these loans can telling help bridge a gap if the proverbial hits the fan!

Bad Credit

If you’re looking for a small, short term loan I can guarantee you’re not alone!

The first question you should ask when considering any form of bad credit loan is: “Can I afford to repay my borrowing in full and on time?”

If the answer is yes and you are looking for a bad credit payday loan today, you can apply now with CashLady.

Warning: Late repayment can cause you
serious money problems.

*This is a collaborative post*

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Why The School You Choose Is So Important

If your child is going from primary school to secondary school in September, then you’ll
probably be going through the sorting process at the minute. In your catchment area, there will probably be a few school that you are able to choose from, but not all of them will be the best for your child. If you have options, you really should consider where they’re going to flourish the most, rather than the one that’s right around the corner. As parents, we sometimes underestimate the value of education, because it just wasn’t as important to us with our futures. But now, everything pretty much relies on the education they’re going to get, so we want to point out a few reasons why the school that you choose is so important. Have a read on to find out more.

School

The Opportunities They’ll Have

School will bring so many opportunities, no matter which one you go to. From school
trips, to school clubs, to prestige events that many people wouldn’t dream of being able
to go to. It really is a great place for opportunity, but there are some schools out there that don’t put on as much of a display with their opportunities. You want to choose a school that has everything from art trips to skiing trips. The more they do at school, the
better of they’re going to be in the long run in terms of their own future. We know that a
lot of the school trips cost, but you shouldn’t be holding them back from the ones that
they want to go on. Not only does it enrich their minds, it also helps bring together solid friendship groups, and more excitement to school life. It’s not always so much fun going to school, sitting in a classroom, and doing the same again the next day.

The Standard Of Education

The standard of education is something you really need to be watching out for. In the
UK, it’s OFSTED that gives schools the official rating. However, it’s not when they’re
being watched that you want to know about, it’s what happens behind closed doors. You
can generally find out through word of mouth, and some will do better than others. For example, Leicester High in good school’s guide has a great record of teaching, whereas others in Leicester have a poor record of being able to keep a class under control. Whilst it might not be your child causing the disruption, it’ll still be a disruption to their learning that will be out of their control.

The Future They’ll Have

The school they go to really will influence their future. Some children don’t have the
best start in life, purely because their school hasn’t helped them. You want one that’s
going to push for further education, and push for better opportunities whilst they’re at school. The more they learn, and the more they take part in whilst at school, the better
off their future is going to be anyway!

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Skin Care Remedies for busy Mums

Looking after yourself becomes so much more difficult when you become a Mum for the first time, and the more children you have, the harder it gets.

In part this is because we have less time to spend on ourselves – but another main, contributing factor for me is that I forget – in between attempting to get the children ready for school, tidying up after them and repeating myself a million times of a morning, I forget to moisturise, use primer and straighten my hair.

The struggle is real and my skin suffers as a result.

Here’s a few things you can do to make it just a bit easier…

Baby Wipes

I don’t just use them to clean up my kids, my car and my entire house – I use them on my face twice a day too. I know, I know – but I’m a no-maintenance mum of two now. I use them to take my make up off – the shame!

Moisturiser with built in primer

This is a game changer. If you can’t fit in all the steps – lose one! No need to worry about waiting for it to dry as you’ll be chasing the kids around thrusting tooth brushes at them anyway.

BB Cream

I find foundation too heavy in hotter weather so during the summer months I opt for a BB Cream instead – use one with SPF to protect yourself from those long awaited rays.

Dealing With Acne

My skin is completely different since having children – I’m blaming all of the many, many sleepless night’s I now get to enjoy, my unhealthy need for caffeine and my new found love of wine. There are many products out there to help combat troublesome acne including Skinoren for acne – No one wants acne – I couldn’t be any further from my teenage self – I’m a mere shadow of that person – so I have no need for pesky acne.

Dry Shampoo

Buy it. Use it. Love it. If you’re not using it – HOW ARE YOU MANAGING? This stuff is a life saver in the morning!

*This is a collaborative post*

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Waiting For A School Decision

The average human pregnancy is shorter than the wait to find out what school our kids will go to – we applied over nine whole months ago and tomorrow is the day we finally find out.

We chose three schools within a reasonable distance to our house – I know people who did the school visits and everything – problem is that we also have a kid who will still be at nursery for the next eighteen months – and in the absence of a time machine or any form of magical powers, we (I) need to be able to drop/pick up the kids every day.

School number one has great Ofsted reports historically, comes highly recommended by friends and is literally in the next street to our nursery – all along I’ve wanted this school, it would be so easy and I could just change nursery hours to suit school trips – perfect.

School number two is a good school and although it’s only up the road there is precisely zero parking – ‘You could just walk’- I hear you say – well no – if I wanted to have a go at pretending to be Anneka Rice I could walk – I still have to get the younger kid the nursery and the drop off times (once I sort nursery) are near enough identical so unfortunately, unless I can get finance on a Tardis – not even remotely plausable. It would be akin to competing in Tekeshi’s castle before I even started my working day.

Anneka rice helicopter – school run
Anneka standing by what I need to negotiate the school run – I could probably afford one with what we’ve spent on nursery fees
School number three is on the other end of town – it’s a great school that also has a nursery attached to it, so I could move the younger one if needs be, saving me the ball ache of trading my VW in for a Delorian – also – I went to this school myself, so like the idea of my kids going there.

The spanner in the works has been nursery. Both of our girls go to a lovely private one in the village – Nina will have been there for nearly four years by the time she leaves and Bobbi has been there for nearly eighteen months – they love it there but it’s EXPENSIVE.

Nursery – school
The nursery with our wages
In preparation for our new situation, I grabbed a copy of the price list the other day to see what we were to be faced with – I was nearly sick in my mouth a bit – moving her hours around slightly and adding one hour per day (two days per week) was going to cost an extra £150 per month! FUCK THAT.

I did not see that coming – but because of the nurserys rigid and frankly dickish session times, we’d have to pay for an extra 24 hours per month – and only actually use 8 – basically – we’d be paying out over £100 for no reason at all – so that’s not going to be happening.

Today will be a really, really long day as it affects everyone in our family in such a big way! Nina will be moving up to big school (hopefully in the village), Bobbi will be changing nursery (which causes me some lovely strong Mummy guilt as she’ll be leaving all her friends etc) and I’ll find out whether I need to locate a Time Turner or not. I’ll be staying up to find out as soon as humanly possible.

Good luck to everyone else on the final count down!

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