Are your children happy?

A few weeks ago I read an article online called: British youngsters are the ‘unhappiest generation in a decade’. Report finds 16-25 year olds fret over money, their futures and ‘not being good enough’. (Source) The article in the Daily Mail which is based on research by The Prince’s Trust says that three out of five young people regularly feel stressed amid concerns over jobs and money. One in four feel hopeless on a regular basis, and nearly half having experienced a mental health problem. I was also staggered to learn that 62% of females feel a lack of self-confidence… [Read More]

In ten years time…

I recently read a post my husband wrote about predicting what our twin girls will be like at specific ages in their lives. This made me thoughtful about where I think they’ll be, say, in10 years time. It’s quite a wonderful, yet scary thing to think about, but I was fascinated by the idea! In ten years time our girls would be 15. They’d be in high school, now that’s a scary thought! They’d probably have already started to take more notice of boys, a terrifying thought! At the same time they’ll have their whole lives ahead of them. Although… [Read More]

Are children today luckier than ever before?

Are children today luckier than ever before? Our twin girls are three, soon to be four years old. In their short lives they’ve experienced quite a lot. They’ve been on an aeroplane twice, enjoyed two holidays abroad plus two holidays in the UK. They’ve also been to four theatre shows plus a live show in an arena and they go on lots of days outs to farms, zoos, beaches etc. In December 2015, we went away for two nights to enjoy a Christmas themed break, meaning our twins saw Santa a total of three times. Once with mummy and daddy… [Read More]

Tips to improve your credit rating for a secure family future

If you’ve ever been refused a credit card, mortgage, or loan, you know that your credit rating is important. In recent years, lending agencies such as banks and credit card companies have become much more stringent in deciding which customers they lend to. If you fall into the “high risk” category – typically someone with poor credit – then you may not get the loan. Many companies will use your credit rating to make a decision about you. Whether or not they do business with you comes down to your credit score. Anything above 650 is considered good, but 750… [Read More]

Looking after your child’s future

Everyone knows that having children is expensive. From the moment they’re born – actually, from the moment you discover you’re pregnant the costs start to add up! Nappies, furniture, clothes, bottles, bedding and everything else that comes with having a baby!  Did you know that the average cost to raise a child from birth to the age of 21 is £218,000! That’s a lot of money!  With that in mind you may now be asking yourself how you can invest for your child’s future and why you might want to consider putting some money aside for them.  For me, I… [Read More]

Are you a savvy saver?

We all want the best for our children. For many parents this means a secure financial future, but when it comes to savings and investments – do you really know exactly what it is you’re getting in return? New ISA rules are coming into effect on 1st July 2014 which will allow people to put a maximum of £15,000 into a new ISA (NISA). However, Scottish Friendly are warning savers to be wary of being drawn automatically into holding all their ISA funds in cash. Instead the advice given is to consider the alternative funds available through ISA investments. Sounds… [Read More]

Is home education the way forward?

More and more parents than ever are turning to home education and is it any surprise with some of the most recent news reports I’ve heard on TV and in newspapers. Stories of poor state educations and bad Ofsted reports are seeing parents taking their children’s education into their own hands. Our twins are only two years old, but I am already thinking about their future and what sort of education I want them to have. I firmly believe that children should be children. Nowadays far too many children are forced to grow up too quickly. Having done some research… [Read More]

How will your children remember you?

I remember my child hood in many different ways. I have some quite specific memories and other memories which are hazy. The main thing I do remember about my childhood is that it was a happy one for the majority. I grew up in a nice area, in a lovely house with a beautiful garden. We lived opposite our school, on the same road as the shops in our little village and the park was just around the corner. We had an apple tree in the back garden which my sister and I would climb every summer. A large garage… [Read More]

The Future

Image courtesy of Simon Howden/Freedigitalphotos/net I often wonder about what the future holds. I love to think about what R and M will be when they’re older. Will they go to college? University even? Will they one day get married and have children of their own? We all want the best for our children, so it’s no wonder that more than more parents nowadays are already starting to think of their childrens future. Twin Daddy and I already have savings accounts set up for the girls so that when they turn 18 they’ll have a little something to put towards… [Read More]

Picking Christening Gifts to Help with Future Success

Image courtesy of Simon Howden/ The future success of children is extremely unpredictable. We often have no choice but to support them in whatever direction they wish to the best of our ability. That said, we can often see very soon in their lives what kind of person they will want to be, as personalities tend to show from a few months old, if you haven’t already guessed it from their parents. There’s even been a lot of controversy in the past few months over whether baby names can decide their social status and success, after Holly Willoughby rowed with Katie… [Read More]