Last Sunday started off, just like any other Sunday. Breakfast, walking the puppy, finishing homework, washing and ironing, wrapping gifts for a party we were going to attend later. The hustle and bustle of family life.
Then I received a phone call. Matthew Hussey – author of New York Times best seller ‘Get The Guy‘ and the worlds leading relationship coach, here he was on the phone to me. I deftly ushered everyone into the living room, turned on the TV, handed out snacks, and hid upstairs to take the phone call. I was fascinated to hear what he was going to tell me. Well, in a phone call, that felt like I was chatting to a knowledgeable friend, I was given lots of hints and tips for what Matthew thinks makes the perfect date night.
Now let me just emphasise here, Tall Dad and I have been married for 12 years, I honestly can’t remember the last tome we had a date night, that’s a little sad isn’t it? Well unless you count the time we went for a rebellious coffee, during the day when both the girls were at school? We just don’t seem to make the time for each other, around all of the other things that we do, life just gets in the way. We sometimes go out with other couples, or again with other people to gig’s, but it’s so rare we go out alone, and even in the evening at home, we can be both doing very different things.
So what are we going to do about it? Well with the help of Head and Shoulders who arranged the confidence coaching, they are also going to help me arrange a night out or in. So Tall Dad and I can spend some time together. I’m not sure how I feel about the phrase date night, but you get the general idea. I am armed with all of Matthews hints and tips, and I genuinely enjoyed our chat and got a lot from it. I have a plan of action, and a little homework to do too.
Here is the little pamper pack that Head and Shoulders sent me. That’s at least one section of my perfect date night sorted, the one about feeling good in my own skin.
So I’m off to do some more research, once I’m back from my trip I think everything should be in place. Wish me luck!
Matthew Hussey’s website and details about the book : Get The Guy
Miss A is in bed, after a lovely long bath. We have carefully chosen her clothes together (ahem sort of ) ready for the morning and chatted about what she might expect to do at school tomorrow.
I remember this moment when Miss N went on her induction day, and I’ll be honest I found it harder than the 1st day of school in September. I remember walking home, crying on the phone to my BF who I knew would understand, as she had experienced this with her son the year before.
So, I am very wary about tomorrow. I want her to love school so much, and I am desperate for tomorrows experience to a positive one. I am sure there are many other parents out there, thinking exactly the same thing this evening.
Well Miss A, I hope that you will love school just as much as your big sister does. Enjoy tomorrow, don’t be scared, you will love it just as much as you love Pre-school, I promise. You will giggle, that infectious giggle you have, and have fun with soon to be freinds. Learn to read and write and learn new playground games like skipping to add to your repertoire along with your favourite of duck – duck – goose.
All my love Mummy x
Buying a home is one of the most important financial transactions you will ever enter into. I thought I would write a post that looked at the start of the mortgage process in a little more detail today. Of course, each financial institution will have their own processes, but generally they have lots of commonalities.
The Initial Mortgage Meeting
This is the first chance at the building up of your relationship with the Newcastle Pernament . It’s a chance for you both to get to know one another better. The mortgage advisor, will be using this time to access your suitability and this is your chance to do the same. Whether you are looking at funding an existing house, one you have found in a recent property search or are trying find out how much you can borrow, before starting to view houses.
It is important to come prepared. I would suggest that you bring with you some information that determines your monthly income and outgoings. It maybe later on down the line that these are verified when they perform credit checks and contact your employers (if relevant) but for now, bring with you your wage slips, or accounts if self employed, some bank statements and loan agreements if you have any. Whilst looking at these and asking you some questions, the mortgage advisor can find out what the maximum amount of mortgage is you can borrow. You may not need that amount, but often they can issue you a figure, which can be useful when you are viewing houses.
Secondly another extremely useful tool is to fill out a monthly budget planner. By carefully including all of the monthly incomings and outgoings, you can see what expenditure you would have remaining at the end of a given month. Sometimes this is a real eye opener as to where money is being spent, and is something I would recommend everyone to repeat each year. When filling it out it is important to include the approximate new mortgage payment, and the increase in bills (unless of course you are down sizing) to give a true reflection of your outgoings.
This is also an important time for you to get to know more about both the mortgage process, and the types of mortgage deals that are on offer by the mortgage provider. It is important that you put careful consideration into the deals that are available, and take all of your personal circumstances into account. For example, you may feel that you need the security of knowing exactly how much you monthly mortgage payment will be over a set period of time. Fixed Rate mortgages ensure that even if there are changes to the countries interest rate during that period, your monthly payment will not increase. Typically Fixed Rate mortgages are fixed for a set number of years before reverting back to the ‘standard variable rate’.
OK, so this is an outline of the beginning process that most people will encounter, from here is when it gets really interesting, and each time can be very different.
If you would like to write more of these posts, looking at Home Improvement Loans, Remortgages and the Valuation process please let me know in the comments.
I was very lucky to be invited to the John Lewis store in Nottingham last week. It was not just any kind of invitation, but one which was a magical journey filled with the wondrous Christmas delights that, John Lewis holds to a shopper like myself.
I love John Lewis, I have written before about my love of it HERE and HERE. But its at Christmas time, when this store is transformed into a beautiful one stop shop, and I mean this hand on heart…its perfection, for gift buying, home décor and fashion!
We were lured on the promise, of discovering what Christmas this year at John Lewis had to offer this year, and I promise you, you will not be disappointed. Continue Reading