Hero Dad: The importance of having life insurance

Some time ago I had a meeting with a financial adviser. At the time I didn’t have life insurance and hadn’t had any in place for quite some time. I knew this was a wrong that needed correcting and after making a few calculations, the financial adviser put forward a very strong argument for getting a policy in place as soon as possible.

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Life insurance: A selfless gift you can give your family.

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Make a plan for 2018: New Year tips from National Debtline

The festive period is never a cheap time of year for any family. I’m sure we all know people who are struggling with debt. If you, or someone you know, is struggling with their finances, the following blog post may be of use. It is a guest post written by Dennis Hussey who is a money adviser at National Debtline. Dennis has over 12 years of experience in helping people deal with their debts and he offers some hints and tips if debt is a problem for your household.

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Debt doesn’t have to tear your family apart. Here is some advice from Dennis Hussey of National Debtline. Pic credit: Alice Pasqual on Unsplash.

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Moving house; it’s better done together

Moving house as a family is never easy. I think my most memorable house move was to our present family home after which I vowed never to move again.

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I don’t ever recall the house moving process making me this happy, but having home insurance cover in place will reduce the stress. Pic credit below.

Why was it such a big deal? It wasn’t so much the move itself, but the fact it was the third house move in 18 months. During that period, our eldest daughter, Helen, was also born. As you can appreciate, it was a hectic time to say the least.

There are a few tips I would give anyone moving house. Firstly, ensure that you have appropriate insurance in place.

When we took possession of our new family home, we were living in a rented house a short distance away. We ensured there was an overlap so we could get some building and decoration work done. If you have children and can afford to rent one house while preparing the new one, do it. This was probably the best decision we made as it saved us a lot of stress.

Our rented home was insured. Even so, there was, I seem to recall, a brief period when we didn’t have home insurance for our new property. This situation was far from ideal when the house was obviously vacant.

While there wasn’t much inside to steal, it would have created an awful lot of hassle. If the property had caught fire or been struck by lightning, well, goodness knows how we’d have paid for repairs.

The other piece of advice I have when moving is to mark every single box very clearly. Several boxes got put to one side in our garage and they were left, unopened. They stayed there for years until I hired a skip towards the end of 2015. I had a cursory glance through them and then, bam, into the skip they went!

Believe it or not, we didn’t find moving with our daughter too problematic. My mother was able to come and keep her entertained for a day and this helped enormously. If you can call on friends or neighbours for support, it’ll make things go more smoothly.

The thought of moving house now makes me want to lie down. This is because we have two children, one of them at school. Having a larger family with different needs would make it much more difficult.

Although I like to live frugally, there’s also no doubting we have more possessions because of the diverse needs of the family. This makes home insurance all the more important.

If you need home insurance cover, today could be your lucky day. Below is a Shortstack Giveaway. One lucky reader will win one year’s worth of cover from Together Mutual. Terms and conditions can be found below and you must enter by 30th July Very best of luck to all who take part!

Pic credit: Meathead Movers.

Disclsoure; this post was produced in association with Together Mutual.

The Standard Life guide to financial admin

This may not be the sexiest admission I’ve ever made, but I am passionate about pensions. I believe the importance of investing for your future cannot be overstated. New research from financial giant Standard Life, however, shows how poor many of us are when it comes to pension planning and financial administration.

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I wish my finances were as perfect as this family.

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My own, family-friendly budget

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Having mulled over the recent budget, I present my own ideas, with a little help from credit reference specialist Noddle.

Another budget has been and gone. I’ve spent the past couple of weeks looking at George Osborne’s plans and I’m feeling underwhelmed. This particular budget doesn’t seem to have done much for families and children. View Post