Mum's blog

Our mum's blog is for Surrey mums to reach out to other mums with information, concerns, tips and everything else that is on their minds.

  • Home
    Home This is where you can find all the blog posts throughout the site.
  • Categories
    Categories Displays a list of categories from this blog.
  • Tags
    Tags Displays a list of tags that have been used in the blog.
  • Bloggers
    Bloggers Search for your favorite blogger from this site.
  • Team Blogs
    Team Blogs Find your favorite team blogs here.
  • Login
    Login Login form
28

It took you months if not years of preparation. Will it be a boy or a girl? What name shall we pick? What about the nursery? Shall we book a newborn baby photographer now of wait ? Are we really going to be good parents? Am I ready for this?

Becoming a first time parent is a nerve racking experience in the best of times. And yet, it's also the best! 

To help you prepare and enjoy those special first months here are some tips to make your life easier.

Slow down. As obvious as it sounds it's amazing how much people stress about shopping for the new baby, obsess about room decorations and latest baby toys. Remind yourself that all this is secondary to your wellbeing. The more relaxed you are, the happier your baby will be. It's amazing how much newborns pick up from their mums in those very first months. 

Build a community of new mums around you. This is going to be your most important support network after your immediate family. Join local meet up or NCT groups to help you make new friends and share your experience of expecting and having a baby.

Do your research on the best healthcare providers around you. This information will become invaluable in times of need when you just want to pick up the phone and get an expert advise or help.

Look after yourself. Go to yoga classes, eat healthily, sleep. All this will help you prepare for months of sleep deprivation when the baby arrives.

Create memories. Invest in a beautiful journal, look into a belly casting kit, book a professional baby photography photoshoot to capture those very first days of holding and getting to know your brand new baby.

Time flies once the the baby arrives. It's a hell of a rollercoaster but once you're on it, you wouldn't change it for the world!

 

Click here to book a baby photography London session

b2ap3_thumbnail_baby-photography-london.jpg

Continue reading
100

Personal loan is becoming increasingly popular among young generation to finance their big-ticket purchases. It seems like today’s generation prefers to buy now and pay later.

1. It helps consolidate credit card debt

Generally, payments on your credit card debt or your minimum monthly payments are too high due to associated interest rates. In such case, a personal loan with a lower interest rate may be the best option to clear off your debt. Credit card can charge as high as 20 percent, and if your credit score is good, you could probably get a personal loan for 8 to 10 percent and save on the interest rate. Debt consolidation reduces costs by lowering the interest rate on debt and reducing monthly payment.  

Now it has been very common to take a personal loan to consolidate credit card debt. 

2. It helps you finance a big-ticket purchase

However, it’s easier to just pull out your credit card for a big-ticket purchase, in many cases it’s actually prudent to use a personal loan instead because the rate for a personal loan is usually lower than a credit card rate. Personal loan is a helpful financial tool for major purchases like furniture, latest electronic gadgets, home appliances and many more for which you have not allocated the budget in advance.

3. It helps you avoid paying high interest rate

You must compare the interest rate on your credit card with the interest rate on the personal loan to make sure which interest rate is lower. If you have good credit score, you would qualify for a lower interest rate. When you get a personal loan, you agree to repay your loan with a certain span of time, which is generally 3 to 5 years. However, you can negotiate shorter or longer terms with your lender. If you pay off your loan before the agreed term, you could save hundreds or even thousands of dollars in interest rates depending on how early you repay your loan.

4. Make Home Repairs Before They Get Worse

During the financial crunch when your home requires maintenance, you know the shock of having to make these home repairs. Sometimes it might be cheaper in the long run to borrow a personal loan to make the repairs before they get worse. Replacing home appliances with more efficient ones may save you money quickly. 

5. It helps increase your credit score

If you default on a credit card and you are spending close to your spending limit every month on your cards, your credit utilization will grow high and lenders will consider you a higher risk. That is where a personal loan rescues you. 

If you replace your credit card debt with a personal loan and make regular payments towards your personal loan EMI, your credit score will recover gradually. That’s because credit cards are revolving loans and, on the other hand, personal loans are offered for a fixed repayment term, meaning there’s a timeline for you to pay back the loan. This will help you curtail your credit utilization and also diversify your debt types, helping rather than hurting your credit score.

Personal loan is the best option for everyone to meet financial exigencies they experience in buying a house or a car, children’s higher education, small home renovation works, or even in cases of medical contingencies. 

Thus a personal loan is not just meant for financial exigencies but is also for the purpose of credit building.  Contact us about a unsecured loans bad credit to help you save money.

Continue reading
0
62

You might have probably thought of choosing a new SEO company which works for your business? then you often get offers from some companies like your results are guaranteed with us and we rank your keywords within 1 month or two? As you are in a hurry and feels like have found a good company, you go with their SEO services. Only after working some of the days, you get to know that everything is just a marketing gimmick in order to take their SEO services. So how can you choose a reliable SEO company?

Knowledge and experience:-

Both Experience and knowledge play a key role when it comes to Search Engine Optimization. An experienced company always tries to get updated with latest happenings in search algorithms and adopt to those changes, thus working with a Knowledgable SEO company will help to do better work for you.

Agreements:-

Some of the companies insist on signing an agreement for upto 1 year or more in order to take their services, they also charge the fees upfront. These type of companies are dangerous as failing to perform as promised before you taking their seo services, it can result is huge losses for you and hence carefully read the agreement if in case you have got to work with such an agreement SEO company

Support:-

Finally, a Good support what makes a great company. If your SEO company is able to answer all your doubts promptly then we can say that they take care of customer's success as theirs, while some of the companies who provide excellent support before sales, won't care much or respond smoothly once after taking the services. So always makes sure to choose one who has a good support by understanding their genuinity in answers.

Thus never think that SEO is quick and you are guaranteed with results, when you are working on a field where there will be constant changes, there can't be any guarantees.

Continue reading
0
317

b2ap3_thumbnail_12-months-loans.jpg

Are you constantly struggling with ‘out of the blue’ expenditure? Are your previous savings falling short to cover the financial struggle? If yes, then you must search for a reliable lender so that you can solve your problem with a better solution. You never know they might give you other benefits as well.


You are at the right platform, if looking for some recovered way out in order to cover the expenses and do not want to touch your savings for that, then you must apply for a Payday loan with no credit check from direct lenders. To know its features you must have a look below.


12 month loan best suited for?


If a person wanted to repair his or her car or wished to get his home to renew for some (special occasion) ‘Or’ if he wanted to pay his previous dues then this borrowing might solve his desired purpose. Lenders provide this loan under the name of short term loan for a year. Anyone can easily avail these funds by filling a short online application form.


What are the essential features and requirements of this loan?


1. The first best feature of this loan is, if the borrower has a poor credit score, lenders may show leniency with no credit check policy which also called a soft credit check (by some lenders).


2. The interest rates are also flexible and it is totally depended on the borrowing amount. 


3. Thirdly, a borrower can control his or her repayment schedule on his own with no extra charges on it.


A borrower requires his or her income proof (from any source), residential proof and bank account details to get the amount transfer in his or her account. Therefore, anyone can apply to this loan because lenders do not have biased policies for an individual’s requirement. For your better understanding, an unemployed, retired and person with low credit score can avail this loan with varied options. Like Payday, Debt Consolidation and Unsecured Loans.

 

Conclusion!


This is the lender’s best policy, and it is advisable to every needy borrower to fetch for a responsible lender. In order to avail the 12-month loan for bad credit, so that anyone can enjoy the perks of it by changing low credit scores into the high credit score.

Continue reading
0
307

b2ap3_thumbnail_payday-loans.png

Payday loans by direct lenders are applied for by the students as they can help them overcome their financial obligations. Apart from just the regular scholarships and other benefits (if any) which from the outside may look enough for a college or university student are not enough. However, they are actually not!

Apart from just studies and tuition fees, students need to have a personal life. For that, ‘instant loan with no credit check’ is preferred the most. One of the biggest reasons being students do not have a credit history and they may need the loan to pay their rent and other daily allowances. Although they may get some financial aids, a boy or a girl has got to enjoy it as well! At times, this expense could cross the estimated budget. This is when payday student loans can cover those bills.

Financial Freedom

All that students need to get guaranteed payday loans is a minimum age limit of 18-year-old and a residential certificate. For the students who are also doing part-time jobs, the additional income source could work in their favor. This step does not only allow them the financial freedom to take the full benefit of the college life but also helps them build up their credit history.

Training to handle financial obligations

The students need to have a sense of responsibility to repay their loans via monthly installments on time. By doing so, they are not just avoiding any further ‘no credit check’ loan applications in the future but also, improving their credit portfolio which in the long run, especially after their college life, in their personal as well as their professional pursuit, would help them get any credit or loan much more easily.

Banks and lenders always prefer such individuals, so, it is a major step towards a guaranteed, moreover, welcomed credit! 

Continue reading
0

Login