This Valentine’s Day I’m pleased to bring you a guest article on a subject that I know will resonate with many readers of this blog.
Finding love in later life is clearly to be celebrated. But there are potential pitfalls as well, especially if you’ve been married before and/or have children from previous relationships. Mistakes made now can have costly – and stressful – consequences for you and your family further down the line.
My guest today, Victoria Fellows, a partner and head of family at the Birmingham office of HCR Law, knows this all too well. And she has some excellent advice for anyone who may be contemplating tying the knot (again) in their later years.
Marriage is an important decision at any stage of life, but when it comes to later-life marriages, the financial and legal implications take on an added level of significance which can include both benefits and challenges. This is especially likely if you have been married before (which accounts for most marriages among over 50s) or have children from previous relationships.
One of the primary concerns when entering a later marriage is protecting your children’s and/or extended family’s inheritance rights. In the absence of proper planning, a surviving spouse may inherit a significant portion of the estate, potentially diminishing what your children from earlier relationships would receive. This can lead to complicated family dynamics, particularly if your surviving spouse chooses to remarry or if your children feel their inheritance has been unfairly diminished.
There may also be inheritance tax (IHT) issues if the combining of assets pushes the estate value above the inheritance tax threshold, creating additional financial burdens for children who inherit.
So how can assets be protected to provide reassurance to the happy couple and their families?
Pre-Nuptial and Post-Nuptial Agreements
In addition to thinking about what happens to your wealth when you die, it’s also worth giving some thought to what might happen if you separate.
A pre-nuptial agreement is a legal contract entered into before marriage that sets out how assets will be divided in the event of divorce or death. While pre-nuptial agreements are not legally binding in England and Wales, they can be persuasive if challenged in court, particularly if both parties entered into the agreement voluntarily and with full disclosure of assets. In later-life marriages, a pre-nup can be used to protect children’s inheritance rights by ensuring that assets accumulated before the marriage remain separate and are passed down to children.
A post-nuptial agreement can serve a similar purpose but is created after the marriage has taken place. Although UK courts are not legally obliged to uphold these agreements, post-nups can still be considered, especially if they are seen as fair, transparent, and made with legal advice.
It can be an awkward subject to raise, but nuptial agreements simply set out what a financial agreement would look like were you to separate and allow you to ring-fence any assets that one or both of you are bringing to the marriage. Often we find that our older clients feel more confident about getting married once they have raised the issue of a pre-nup with their partner because it provides both parties (and their wider families) with clarification on what would happen if they were to separate further down the line.
Wills and Trusts
Creating or updating a will is crucial to ensure that assets are distributed according to your wishes after your death. For individuals in later-life marriages, it’s vital to establish clear provisions that reflect your intent to protect children’s inheritance, ensuring that your assets are passed to your own children and grandchildren not your new spouse’s family. A well-drafted will can explicitly set out which assets should go to children from previous relationships and can address potential challenges from a surviving spouse.
Many people are unaware that when they marry a previous will is likely to become null and void. Therefore, if you pass away without making a new will, the law will decide how your assets are distributed, which may not reflect your wishes or the needs of your loved ones.
In addition to creating or updating a will, you can consider a life interest trust which could upon your death give your surviving spouse the right to an income for the rest of their life, at which point the remaining capital would be passed to your children. This will prevent the entire estate passing to a surviving spouse for them to pass on at their discretion, which may or may not include your children.
Joint Ownership and Beneficiary Designations
When it comes to property you should carefully consider whether joint ownership or beneficiary designations will achieve your asset protection goals. In the case of joint ownership, you can hold property as tenants-in-common, which ensures that you each own a specific share of the property. This is important because, upon the death of one spouse, their share will be passed on according to their will or trust, rather than automatically going to the surviving spouse.
Beneficiary designations on life insurance policies, pensions, and retirement savings plans should also be reviewed. In the UK, these designations take precedence over what is written in a will, meaning that you can directly allocate these assets to your children rather than your surviving spouse.
Pensions
If you have any ‘defined benefit’ (final salary) pensions, they will likely pay a portion of your income to your spouse when you die, so it’s important you update them to let them know of a new spouse.
Meanwhile any money that remains in ‘defined contribution’ pensions, such as stakeholder pensions or self-invested personal pensions (SIPPs) can be passed on when you die to your chosen loved ones.
You can tell your provider/s whom you would like to inherit your pension by completing an expression of wishes form.
Conclusion
Marriage in later life presents unique financial and legal considerations, especially when it comes to protecting assets for children from previous relationships. It’s essential to have open, honest communication with both your spouse and your children. Discussing your intentions, explaining why you are making certain decisions, and addressing any concerns upfront can help to avoid potential conflicts down the road.
With careful estate planning, the use of legal tools like pre-nuptial agreements, wills, trusts, and tax strategies, you can safeguard your wealth and ensure that your assets are passed down according to your wishes. By taking these steps, later-life marriages can be both emotionally fulfilling and financially secure, providing peace of mind for you your spouse and their families.
Victoria Fellows (pictured, below) is a partner and head of family in the Birmingham office of HCR Law.
Many thanks to Victoria and her colleagues at HCR Law for an eye-opening article on this important topic. It may not be particularly romantic but devoting a little attention to these matters now can potentially save you and your heirs a lot of grief in the future.
As always, if you have any comments or queries about this article, please do leave them below.
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For those of us who pride ourselves on family and caring for the ones we love, life insurance can be a very helpful safety net to have. Whether you want to leave behind a nest egg or just help them cover funeral expenses, taking out a policy can give you peace of mind that your loved ones will be looked after when you’re gone.
But unfortunately, life insurance is often surrounded by myths and misconceptions that can cause a lot of confusion when it comes to choosing a policy.
So in this post I’ve teamed up with British Seniors, Over 50 Life Insurance specialists, to take a look at the truth behind these common assumptions. Below, we’ll debunk some of the myths around Over 50 Life Insurance, so you can take pride in making an informed decision for your family.
Myth 1: “I’m Too Old to Get Life Insurance”
One of the most common myths is that people of a certain age can’t get life insurance. Many people assume that insurers won’t cover them if they’re over a certain age. In reality, Over 50 Life Insurance policies are designed to be taken out later in life. With British Seniors, you’re guaranteed acceptance for an Over 50 Life Insurance policy if you’re a UK resident aged 50 to 80. Better yet, there’s no need for medicals, blood tests, or complicated forms – you can get your policy sorted out over the phone.
Myth 2: “Life Insurance Is Too Expensive for Seniors”
Another common misconception is that life insurance becomes too expensive as you get older. While it is true that premiums are cheaper when you’re younger, many Over 50 Life Insurance policies are built to be affordable. When you take out a policy with British Seniors, you have control over your future payments with a fixed benefit amount or you can add the Increasing Benefit Option. With a fixed benefit amount, your monthly payments will stay the same for the duration of your policy. With the Increasing Benefit Option, to help keep up with the effects of inflation, your benefit amount and monthly premium will increase annually.
Myth 3: “I Don’t Need Over 50 Life Insurance Because I’m Debt-Free”
While being debt-free is a fantastic achievement, life insurance can be used for so much more than just debt. Many people take out life insurance to cover funeral costs, leaving their loved ones free from financial burdens during a difficult time. You could also leave your benefit amount as a nest egg for your family, so they can have some extra financial security. So, even if debts are no longer a concern, a life insurance policy can still offer some peace of mind and support for your loved ones.
Myth 4: “I Have Savings, So I Don’t Need Insurance”
While consistent saving is a great way to prepare for the future, even a substantial nest egg can be subject to risks where life insurance is not. Nobody knows what tomorrow will bring, and the reality is that many of us will end up needing our rainy-day savings for unforeseen expenses, like medical emergencies, home repair, loss of income, or simple day to day life as the cost-of-living increases. With an Over 50 Life Insurance policy in place, you have something of a financial safety net, so no matter what your savings look like down the line you can still count on your benefit amount.
Myth 5: “Life Insurance Payouts Are Taxed”
Many people worry that the payout from their life insurance policy will be heavily taxed, reducing its value for your family. The truth, however, is that life insurance payouts are usually exempt from income tax. Having said this, it’s important to note that your policy could be counted towards the overall value of an estate for inheritance tax purposes. Setting up your policy in a trust can help with this, by seeing to it that your loved ones receive their payout untaxed.
Myth 6: “I Can’t Get Life Insurance Due To A Medical Condition”
Another common myth is that having a medical condition makes it impossible to secure Over 50 Life Insurance. While this could be true of some policies that involve health assessments or medicals, some insurers offer guaranteed acceptance if you meet the criteria. With British Seniors, you’re guaranteed acceptance if you’re a UK resident aged 50 to 80. That means no medicals or blood tests are needed.
Myth 7: “I Can’t Leave Anything Significant to My Family”
While it’s true that the payout from an Over 50 policy may not be as large as those from other types of life insurance, the payout can still make a significant difference. You could secure enough to cover funeral costs, unpaid bills, or even to leave as a monetary gift. Having a policy in place also goes beyond financial value, as it can be a lovely gesture that tells your loved ones you care about them and their future.
Conclusion
In short, life insurance is not as complicated as it might seem – and being over the age of 50 doesn’t mean it’s too late to get covered. With these common myths busted, we hope that you feel more confident when it comes to planning for the future. Now you can make an informed choice for your loved ones and feel proud that you’ve looked out for them. If you’d like more information on British Seniors Over 50 Life Insurance, reach out to their trusted, UK-based advisors today and you’ll get a free quote with no strings attached.
Many thanks to my friends at British Seniors Over 50 Life Insurance for their assistance in compiling this article. As always, if you have any comments or queries, please do leave them below.
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Today I’m discussing a subject relevant to many readers of this blog (which is of course aimed especially at people over 50).
As we age, our bodies undergo various changes that can affect our overall health and well-being. For those aged 50 and above, maintaining a balanced diet becomes increasingly important – and one nutrient that often requires special attention is protein. One recent study in South Yorkshire found that over 50% of older people weren’t eating enough protein to stay healthy.
Here’s why boosting protein intake can be crucial for those of us in our golden years.
The Role of Protein in the Body
Protein is a fundamental building block for the human body. It’s essential for repairing tissues, supporting immune function, and producing enzymes and hormones. Additionally, protein plays a key role in maintaining muscle mass, which naturally reduces with age.
Why Protein Needs Increase After 50
Muscle Mass Decline: From around the age of 30, individuals begin to lose muscle mass at a rate of approximately 3-8% per decade. This rate accelerates after 60. Without adequate protein and physical activity, this loss can lead to sarcopenia, a condition characterized by severe muscle loss that impacts mobility and quality of life. Women are especially susceptible to this due to hormone changes that take place in the menopause.
Bone Health: Protein is vital for maintaining strong bones. With age, the risk of osteoporosis increases, especially among postmenopausal women. Adequate protein intake, combined with calcium and vitamin D, can help reduce this risk.
Reduced Appetite and Nutrient Absorption: Many over-50s experience a decrease in appetite or changes in digestion that affect how nutrients are absorbed. Ensuring sufficient protein in the diet can help counteract these challenges by providing concentrated nutrition.
Immune Support: As the immune system weakens with age, protein becomes essential for producing immune cells and antibodies to fend off illnesses.
How Much Protein Do You Need?
The recommended dietary allowance (RDA) for protein is 0.8 grams per kilogram of body weight per day for adults. However, research suggests that older adults may benefit from higher intakes, around 1.0 to 1.2 grams per kilogram of body weight daily, to maintain muscle and support overall health. For example, an 80 kg individual should aim for 80-96 grams of protein per day.
Sources of Protein for Over-50s
To meet these protein needs, focus on a mix of high-quality protein sources, such as:
Animal Proteins: Lean meats, poultry, fish, eggs, and dairy products.
Protein Supplements: If meeting protein requirements through food alone is challenging, consider protein powders or fortified products, but consult a healthcare professional first.
Tips for Incorporating More Protein
Start Your Day Right: Include protein in your breakfast with options like eggs, Greek yogurt, or a protein smoothie.
Snack with a Punch: Opt for protein-rich snacks like a handful of nuts or a boiled egg.
Spread It Out: Distribute your protein intake evenly across meals, to enhance muscle protein synthesis.
Combine Strength Training: Pair a higher protein intake with resistance exercises to maximize muscle maintenance and growth.
Can You Have Too Much Protein?
While protein is essential, consuming excessive amounts can have drawbacks. Overloading on protein, especially from animal sources, may strain the kidneys, particularly in individuals with pre-existing kidney conditions. It can also lead to imbalanced diets if other essential nutrients are neglected.
Moderation and a focus on diverse protein sources are key to maintaining optimal health. As a rough guide, most people should aim for a maximum of 2 grams of protein per kilogram of body weight per day [source]..
The Bottom Line
For those over 50, boosting protein intake is a simple yet powerful way to support muscle health, maintain bone density, and enhance overall vitality.
By making small dietary adjustments and choosing nutrient-dense foods, you can pave the way for a healthier and more active life in your later years. If you’re unsure about how much protein you need, consult with a registered dietitian or healthcare provider to tailor a plan to your needs.
As always, if you have any comments or questions about this post, please do leave them below.
Note: This article was researched and written with the assistance of AI.
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My guest post today concerns a subject none of us wants to think about, but one that can have huge financial (and other) ramifications, especially if not handled well.
Traditionally divorce lawyers see a peak in enquiries in January. Indeed, the first Monday in January is sometimes known as ‘Divorce Day’. This uptick may be partly to do with people putting off taking action till after the festive season is over. Nevertheless, divorce is undoubtedly a matter on the minds of many people at this time of year.
If – sadly – you find yourself in this position, my guest today, Simon Bassett, head of the family team at RWK Goodman, has put together some Dos and Don’ts to help ensure the process goes as smoothly as possible for you.
Over to Simon, then…
Dos and Don’ts for Divorce in 2025
Dos
Focus on your long-term goal – your happiness and the children’s happiness.
Build a support network – divorce can be a daunting process so build a support network of trusted family members and friends and consider using a therapist or divorce coach – we find that our clients who have good support make better decisions and are less likely to procrastinate.
Choose your solicitor carefully – like any working relationship, you need find someone you can work with and build a rapport with. Seek recommendations from friends and colleagues and if the fit doesn’t feel right, find another.
Try and keep the divorce amicable and out of court by using non-court methods such as mediation. Not only will this be better for your children and your own emotional health, it will also save you money in legal fees and speed up the process.
Sort out your paperwork – if you have your finances in order, e.g. details of all your expenditure, income and pensions, this will save you masses in divorce fees.
Be grateful for what you had – the end of a relationship should not be viewed as a failure. Some relationships simply run their course, so be grateful for what you had, e.g. there were many years of good times, and what the marriage produced, the children.
Don’ts
If you are certain your marriage has come to an end, don’t delay taking action. Things may get messy, but they will get better!
Look back and obsess about what went wrong.
Compare your divorce to other people’s – every divorce is different.
Don’t ignore your solicitor – if they recommend something, it will be based on many years’ experience and the advice will be specific to you and designed to achieve the best possible outcome.
Don’t email your solicitor every time you have a heated exchange with your ex!
Don’t be greedy – the courts take a very dim view of people who exaggerate what they may need post-divorce.
No matter how tiresome your ex is, don’t ever be negative about him/her in front of the children. Remember that you are your children’s role model.
Simon Bassett is the head of the family team at RWK Goodman and has over 30 years’ experience advising clients on divorce and other family law issues.
Many thanks to Simon for his valuable advice. Although I’ve not been in this situation myself, I have friends and relatives who have. From what I have seen, the process is far less stressful for all concerned if matters can be conducted in a civilized – and even amicable – way.
You can contact Simon and his colleagues at RWK Goodman via their website. They have offices in London, Bath, Oxford, Swindon, Bristol, Marlborough and Thame.
As always, if you have any comments or queries about this post, please do leave them below.
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Christmas is coming, so here’s a chance to make it extra special for one lucky winner!
I’ve joined forces with some of my fellow UK bloggers in this festive mega-giveaway with prizes valued at over£500 in total.
Entering the giveaway is free of charge and full instructions can be found below. There are multiple ways to enter, and the more you do, the better your chances of winning. You may also like to use the prize list as a source of ideas for Christmas gifts.
Note that where an entry requires following a social media account, you will need to continue following this account until the winner has been drawn after the closing date of 22 December 2024. Before the winner is announced the organisers will check that they are still following the account in question. If not, they will be disqualified and another winner drawn.
This giveaway has been organised by my fellow blogger Rowena Becker, who blogs at My Balancing Act. Please check out her blog and those of the other talented bloggers taking part (listed below). And read on for full details from Rowena of all the prizes on offer and how you could win this mammoth bundle!
The Bloggers Mega Christmas Giveaway!
Win Big This Christmas! Some of the UK’s top bloggers have come together to offer one lucky winner a collection of incredible prizes that are sure to bring smiles to every face in your household.
From thoughtful treats to exciting surprises, this bundle has everything you need to make this Christmas extra special. Entering couldn’t be easier—simply head over to our Rafflecopter link at the bottom of this post for multiple chances to win.
Don’t miss out—this could be the perfect way to surprise and delight the whole family!
This giveaway is open to over 18 only and age verification will be required. The winner will be chosen at random and contacted via email. Terms and conditions apply.
The Bloggers
In order to be able to bring you this incredible giveaway, some of the UK’s top bloggers got together. A massive thank you to our bloggers! The bloggers taking part are:
The Perfect Gift for Foodies: FinaMill Rechargeable Gift Set
Upgrade your loved ones’ cooking game with the festive FinaMill Rechargeable Gift Set. This set not only adds a pop of colour to any kitchen in its Sangria shade, but it also takes cooking to the next level with its innovative design and features. Whether you’re shopping for experienced chefs or kitchen newbies, this gift set is sure to impress.
The rechargeable grinder allows for fast charging and has a long-lasting battery, making it the perfect addition to any busy kitchen. And with its eco-friendly design, you can feel good about reducing your carbon footprint while cooking up delicious meals.
Not only does the gift set come with the FinaMill grinder, it also includes 3 different types of FinaPods: 2 FinaPod Pro Plus for everyday spices and 1 FinaPod MAX for larger spices and dried herbs. With a sleek and modern tray exclusive to this gift set, your loved ones will have all the tools they need to elevate their dishes in one convenient package.
As well as being a practical and unique present, this will also show your loved ones how much you care about their passion for food. Don’t wait—enter our giveaway now!
Ocoopa HotPal PD Quick Charge Rechargeable Hand Warmer
The Ocoopa HotPal PD Rechargeable Hand Warmer is the perfect addition to our prize bundle, making it an ideal gift for anyone who loves spending time outdoors during the colder months. This hand warmer not only keeps your hands warm and toasty during chilly morning hikes or outdoor activities, but it also has adjustable heat options so you can customise the warmth level to suit your needs.
But that’s not all! The Ocoopa HotPal PD Hand Warmer also serves as a backup portable charger using the PD protocol, making it a convenient and versatile gadget to have on hand. It can charge various devices such as lights, earbuds, and smartphones – with lightning-fast speed. In fact, it can charge an iPhone to 50% in just 30 minutes, perfect for those who are always on-the-go. This means you’ll never have to worry about your devices running out of juice during your outdoor adventures.
So whether you’re gifting this hand warmer to a friend or family member who loves camping, hiking, or simply enjoys being outdoors, or even treating yourself to one, the Ocoopa HotPal PD Rechargeable Hand Warmer is a must-have accessory for any winter adventure. Don’t miss your chance to win this amazing prize and make someone’s Christmas extra warm and special with our ultimate giveaway bundle!
Opinel Cheese Knife & Fork Set
Looking for a unique and practical gift for the foodie in your life? Look no further than the Opinel Cheese Knife & Fork Set. This set is not only stylish and beautifully designed, but also functional for any cheese lover.
Opinel, known for their iconic French design and quality craftsmanship, brings their expertise to this must-have set for any cheese plate or charcuterie platter. Made from sustainably harvested European wood, the beechwood handles add a touch of elegance to the knife and fork.
But don’t let the sleek design fool you, these tools are made to last. The stainless steel blade of the knife is sharp, durable, and easy to maintain, ensuring that it will be a staple in any cheese lover’s kitchen for years to come. Plus, the fork serves a dual purpose as a holder for the knife and for easily serving slices from the platter.
This set is not only perfect for holiday gatherings and dinner parties, but also makes a great gift for any occasion. Give the gift of style and functionality with Opinel’s Cheese Knife & Fork Set this Christmas!
Opinel Art Deco 4pc Kitchen Knife Set
The Opinel Art Deco 4pc Kitchen Knife Set is the perfect addition to our prize bundle this Christmas. With its simple, versatile and efficient design, these knives make everyday cooking much easier. The set includes four high-quality knives with unique and stylish designs that are sure to impress any recipient.
Each knife in the set has a Sandvik 12C27 stainless steel blade with a high carbon content, ensuring excellent cutting quality and resistance to corrosion. The handles are made from tinted hornbeam and covered in a protective varnish, making them resistant to water for long-lasting use.
The set contains four essential kitchen knives: No.112 Paring knife in purple, No.113 Serrated knife in soft grey, No.114 Vegetable Knife in emerald green and No.115 Peeler in white. These knives are perfect for various tasks such as peeling, slicing, and dicing fruits and vegetables, cutting bread or meat, and even preparing sushi.
The Opinel Art Deco 4pc Kitchen Knife Set is not only practical but also adds a touch of elegance to any kitchen with its Art Deco design. It’s an ideal gift for anyone who loves to cook or wants to upgrade their kitchen essentials.
Note: Age verification will be required for all prize winners. Open to UK residents over 18 only.
The Perfect Gift for Coffee Lovers: RISE 26oz Tumbler by Klean Kanteen
As part of our amazing Christmas prize bundle, we are excited to offer the RISE 26 oz tumbler with flip lid in Sea Spray. This sleek and stylish tumbler is not only a great addition to any coffee lover’s collection, but also an eco-friendly choice.
Made from certified 90% post-consumer recycled stainless steel, this durable tumbler is perfect for enjoying hot or cold drinks on the go. Its Climate Lock™ insulation keeps drinks at the desired temperature for hours, making it ideal for busy mornings or long commutes.
Christmas Negroni Cocktail Prize Pack
Are you looking for a sophisticated and festive cocktail to add to your Christmas celebrations? Look no further than the Award-Winning Christmas Negroni, crafted by Bottle Bar and Shop.
This twist on the classic Negroni is perfectly balanced with warm seasonal spices and premium ingredients, providing an effortless way to indulge in the holiday spirit. Whether you’re hosting a festive gathering or enjoying a cosy night in, this Christmas Negroni will elevate your experience with its rich flavours and festive flair.
Enter now for a chance to win this as part of our prize bundle. Please note that this prize is only available for those who are 18 years or older. Cheers to the holiday season with our Christmas Negroni Cocktail Prize Pack! Disclaimer: Must be 18 years or over to enter.
Disney Stitch Drink Flask from Thermos
Looking for a practical and fun gift for the little ones in your life? Look no further than the Direct Drink Flask 470ml Disney Stitch Signature from Thermos. This flask not only features cute images of everyone’s favourite mischievous alien, Stitch, but also keeps drinks hot for up to 10 hours and cold for up to 24 hours.
Whether they’re off on an adventure or just need a cool drink at school, this direct drink flask is perfect for kids (or adults!) who love Disney and staying hydrated. And with its durable design and reliable insulation, it’s sure to be a gift that will last beyond the holiday season.
Brainstorm Toys Outdoor Adventure Metal Detector
As part of our Christmas prize bundle, we are excited to offer the Brainstorm Toys Outdoor Adventure Metal Detector. This fun and innovative STEM toy is perfect for young detectorists who love to explore and discover hidden treasures. With its easy-to-use design and light and sound alerts, kids will be entertained for hours as they search for buried gems and coins. Not only does this gift encourage curiosity, but it also provides an exciting outdoor activity that will keep kids active and engaged during the holiday season. Lightweight and versatile, the Brainstorm Toys can be used in handheld mode or attached to a pole for an even more thrilling treasure hunt experience. Don’t miss your chance to win this amazing gift for the little ones in your life!
Doll Smash Glass Lip Oil: The Ultimate Hydration and Shine for Her Lips
This Christmas, give the gift of hydrated and shiny lips with Doll Smash Glass Lip Oil. Its lightweight, vegan formula is perfect for anyone looking for a quick and easy way to add some moisture to their lips. Say goodbye to sticky residue and hello to soft and supple lips with just one glide. With its instant boost of hydration and shine, this lip oil is the perfect addition to any winter skincare routine. So why not treat your loved ones (or yourself!) to beautifully moisturised lips this holiday season?
Age-Defyers Discovery Set from Evolve Organic Beauty
Looking for the perfect gift for her this holiday season? Look no further than the Age-Defyers Discovery Set from Evolve Organic Beauty. This giftable collection of 3 travel-sized skincare products is suitable for all skin types and is specifically designed to help smooth, plump, and give a younger-looking appearance.
Included in this set are 3 samples from Evolve’s award-winning range of organic skincare products, so you can try out some of their best-selling items before committing to full-sized versions. The Gentle Cleansing Melt (30ml) will leave her skin feeling clean and refreshed while the Peptide 360 Serum (10ml) and Multi Peptide 360 Anti-Ageing Cream (30ml) work together to tackle signs of aging. Plus, with the addition of 2 sachet samples, she can continue her journey to youthful skin even after the holidays are over.
Don’t miss out on this amazing gift that will give her the gift of beautiful, radiant skin this Christmas!
New Sprouts® Prep ‘n’ Store Kitchen Island from Learning Resources
As part of our amazing Christmas prize bundle, we are excited to offer the New Sprouts® Prep ‘n’ Store Kitchen Island from Learning Resources! This fantastic play kitchen island is perfect for your little chef to prepare and serve pretend play food and will provide hours of imaginative play. With two rolling wheels on one side and a convenient handle on the other, it’s also easy to move around and store when not in use. Plus, with two storage shelves included, there’s plenty of space to store all kinds of play food—including the six pieces that come with the set! Let your child’s creativity and culinary skills shine this Christmas with the New Sprouts® Prep ‘n’ Store Kitchen Island from Learning Resources.
Numberblocks® Rainbow Counting Bus
The New Sprouts® Prep ‘n’ Store Kitchen Island is not the only exciting educational toy that we have included in our Christmas prize bundle. As part of our commitment to providing quality learning resources, we are also offering a Numberblocks® Rainbow Counting Bus from learning resources! This fun and educational toy is perfect for any young Numberblocks fan who loves imaginative play.
Get ready to embark on exciting adventures in Numberland with the included Seven figure as your driver. With 12 songs and sounds from the series, your child will have a blast counting along and exploring all the numbery features of the bus.
Take a peek at the hidden rainbow by opening the drop-down back, and count all the different colours together. Let this magical toy from Learning Resources be a part of your child’s Christmas celebrations and help them learn and grow while having tons of fun!
Pretend to Bee Postal Worker – 3-5 Years
This fun and interactive costume from Pretend to Bee is the perfect gift for children who love to play pretend and explore different occupations. With a sleeveless jacket, trousers, and post bag, kids can dress up and act out the role of a postal worker, gaining a better understanding of this important job in their community. Not only will they have hours of fun with imaginative play, but they’ll also learn valuable skills such as responsibility and teamwork. Plus, it’s machine washable for easy clean-up after all their adventures! A great addition to any child’s dress-up collection and a fantastic way to encourage creativity and social development. Get ready to deliver some letters this Christmas with the Pretend to Bee Postal Worker costume!
Little Brian Scribble Paint Sticks and Bath Paint Sticks
Add a splash of colour and creativity to your child’s Christmas with the Scribble Paint Sticks by Little Brian, included in our prize bundle! These innovative paint sticks allow kids to unleash their imagination and create intricate designs thanks to their finer tip. With 12 vibrant colours, these paint sticks bring any artwork to life in just under 60 seconds. And the best part? No more messy clean-up afterwards! Watch as your child explores their creativity on paper, card, wood, or glass without worrying about stains or spills.
But wait, there’s more! Also included in our prize bundle are the Bath Paint Sticks from Little Brian. These washable paint sticks make bath time even more fun and colourful as kids can create their own masterpieces on the bath tub or shower walls. With six vibrant colours that easily wash off with water, these paint sticks provide a mess-free and imaginative activity for children of all ages. Make bath time a creative experience this Christmas with the Little Brian Bath Paint Sticks! Don’t miss out on this perfect gift for budding artists this holiday season!
LittleLife Toddler Backpacks
LittleLife’s award-winning range of toddler backpacks come in a plethora of different colourful designs, giving your little ones the perfect amount of storage space this Christmas, whether that’s for their new toys or sweet treats!
What’s more, LittleLife’s toddler backpacks have a built-in safety rein to keep youngsters safe and within reach, whilst still giving them the freedom and independence to explore the outdoors and develop motor skills that are so important for children’s development.
Make festive family walks a cherished tradition, knowing your little ones are secure with LittleLife toddler backpacks!
Browse the LittleLife toddler backpack collection here
Start-Rite Party Shoes
Add some sparkle and fun to little feet this Christmas with Start-Rite’s versatile collection of children’s party shoes! You’ll find classic T-bar styles such as Lottie in Pink Leather and Puzzle in Navy Patent, and festive colours, such as Wiggle in Gold Glitter and Wonderland in Cherry Red Patent. The extensive collection of party shoes and boots from Start-Rite has something for everyone – perfect for family festivities this Christmas.
The FoldLite LX is the perfect solution for making family visits easier this Christmas! With a lightweight, one-of-a-kind fold, the FoldLite LX can be popped up and taken down with ease both home and away. Collapsing to only 26cm wide, you can swiftly tuck the cot into any nook around the house. When travelling, the FoldLite LX can go one step further, folding down even tinier for exceptional portability. Doubling as a playpen and featuring a removable infant bassinet, the FoldLite LX conveniently travels with the family throughout the festive period and beyond.
You can enter the Giveaway by completing as many Rafflecopter widget entry options below as you like. All entries will be collected, and one winner will be randomly chosen via Rafflecopter. Good luck!
The giveaway will run from 8 am 15th December 2024 to 11.45 pm 22nd December 2024.
Prize open to over 18s only. Age verification will be required.
The winners will be notified by email from rowena@mybalancingact.co.uk.
The winner will have 7 days to respond after which time we reserve the right to select an alternative winner.
This prize draw is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram, X, YouTube, BlogLovin or Pinterest or any other social media platform.
The prizes may not arrive in time for Christmas.
Some or all of the prizes may take a few weeks to arrive.If any prizes are out of stock then we will do our best to find a suitable replacement but cannot guarantee it.
Anyone who unfollows before the giveaway ends or doesn’t complete the required entry action will be disqualified.
The prize is non-transferable, non-refundable and cannot be exchanged for monetary value.
We may be using a parcel service or Royal Mail for some of the prizes and their standard compensation will apply in the event of loss or damage.
Some items may be sent directly by the supplier and we do not have responsibility if these go missing and we cannot replace them.
In the unlikely event that one of the companies withdraws a prize, we cannot offer an alternative.
The winner’s name will be stated on some or all of our blogger’s websites and announced on Twitter and other social media channels. It will also be displayed on the Rafflecopter entry form. By entering this prize draw, you give your permission for this.
Please note the winner may have the same name as you, so if you see your name displayed, be aware that you are not the winner unless you have been notified by us.
There may be some delays in receiving prizes.
Good luck, and I hope a Pounds and Sense reader wins this fabulous prize bundle!
NOTE: Posts on Pounds and Sense may include affiliate links. If you click through and make a purchase, I may receive a commission for introducing you. This will not affect in any way the product or service you receive or the price you pay.
If you enjoyed this post, please link to it on your own blog or social media:
I was recently offered the chance to review the Simba Orbit™ weighted blanket (see cover photo). This is a premium weighted blanket from the well-known Simba Sleep brand.
Weighted blankets are a growing trend right now. They purport to help reduce anxiety, promote relaxation and improve sleep. Naturally I was pleased to have the opportunity to test this out for myself.
The Simba Orbit™ blanket is available in various sizes and weights. I received the 15 lb (6.8 kg) single bed version. For reasons to be discussed, in my view this would also be perfectly suitable if (like me) you normally sleep on your own in a double bed.
Even though I got the lightest version, I was still quite surprised how heavy it was. It comes with a machine-washable cotton cover and I got a decent workout just putting the blanket in! The cover and the blanket itself are a rather nondescript brown. It might be nice to have a choice of colours to suit your decor. That’s only a minor criticism, though.
The blanket is filled with tiny weighted-glass nano-beads. These are stitched evenly into small pockets (see picture below) to prevent clumping. I can confirm that they don’t appear to move around in the night, neither do you hear any noise from them. As they say on the Simba sales page, ‘Together they form a soothing layer that rests gently over your body, giving you a feeling of light, comforting pressure.’ The blanket and cover are also designed for maximum breathability, so the blanket feels warm in winter but cool in summer.
The theory behind the Simba Orbit™ weighted blanket (and weighted blankets generally) is Deep Pressure Therapy (DPT). This is an actual, scientific thing, with academic studies to back it up.
DPT is a calming process activated through a physical stimulus – like a hug, or the application of some sort of gentle pressure across the body. Some studies have suggested that this pressure works by helping your nervous system switch off its ‘fight or flight’ system (sympathetic) and move to its ‘rest and digest’ system (parasympathetic).
Simba say the Orbit™ weighted blanket is designed to replicate that feeling of soothing pressure. They suggest thinking of it as your ‘off switch’ – a switch that helps regulate your heartbeat, relax your muscles and set your mind at rest.
My own experience confirms this. Admittedly it took a night or two to get used to, but I did then notice I was sleeping longer and deeper and feeling more refreshed when I woke up. One thing that impressed me was how the blanket stays in place and doesn’t move around or slip off the bed once it’s in position. That is why I think the single version is also suitable for people who sleep alone in a double bed. Personally I found it worked best (and felt most comfortable) if I positioned it over the lower half of my body rather than up to my neck/chest. Your experience might be different, of course.
Clearly, weighted blankets won’t be right for everyone. In particular, as SImba themselves say, they aren’t suitable for children, the elderly or anyone suffering from breathing difficulties or circulatory issues (including diabetes). In cases of pregnancy and kidney issues, you are recommended to consult your doctor before use.
If you’re stressed and anxious and finding it hard to unwind, however, then based on my experience this weighted blanket is well worth a try. You can order direct from the SImba Orbit™ weighted blanket web page while stocks last. You can get free next day delivery if you order before 2 pm on the UK mainland, with interest-free finance options also available.
As always, if you have any comments or questions about this post, please do leave them below.
Disclosure: As stated above, I received a free Simba Orbit™ weighted blanket in exchange for reviewing it here. This has not influenced my review in any way.
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Recently my energy supplier, EDF Energy, has been sending me invitations to sign up for what it calls its ‘Sunday Saver’ challenge.
The way this works is that you sign up to shift some of your electricity usage on weekdays away from peak hours (4pm-7pm). When you hit your target (which is set individually for each user by EDF), you earn free electricity the following Sunday.
EDF say, ‘The more you shift, the more you earn – reduce your weekly peak usage by 40% and you could earn up to 16 hours of free electricity per week.’
The challenge is due to take place monthly, starting on the first Monday of each month.
At first glance you might think this is a good offer. But as I have looked into it more, my doubts have grown. Here are my main reservations…
To benefit from this scheme you have to cut your daily energy usage every weekday between 4pm and 7pm. That’s quite a long period (three hours), and coincides with when I would normally be cooking my evening meal. To have any realistic chance of cutting my energy use during this time, I would have to eat either ridiculously early or significantly later than normal. For various reasons, including my health, I prefer to eat between 6 and 7 pm and no later. So that in itself is a big ask and would impact drastically on my normal routine.
Free electricity on Sunday sounds great, but the devil is in the detail. EDF say that you will get ‘up to 16 hours’ of free electricity if you meet their targets, but are very vague about what this means in practice. Specifically, they don’t explain how your energy-saving targets are calculated, how any reduction in usage translates to free hours, or when on Sunday you will be able to use the free electricity awarded.
In addition, they say there are ‘fair usage’ limits to how much free electricity you can have. Again, they are vague about what this means in practice. The obvious way to use your free electricity would be to charge your EV, and I strongly suspect limits would be placed on this. As for me, I don’t have an EV and don’t want one, so my options for benefiting from the free electricity would be limited. I could shift use of appliances like my washing machine to Sunday but doubt if I could save more than a few kw/h this way (obviously the exact number would depend on how many free hours I was allocated, which is anyone’s guess). That means my free electricity would likely benefit me by no more than a pound or two.
Lastly, as a solar panel owner I already get some free electricity anyway. My panels obviously generate less in the winter, but during daylight hours they still produce something. That means any benefit from free electricity on Sundays will be reduced, especially if (as is likely) the free hours are in the day rather than at night.
Overall, then, I am not much enamoured of EDF’s Sunday Saver challenges and won’t be signing up. Ultimately, I am not prepared to make major changes to my day-to-day schedule in pursuit of what will likely be (in my case anyway) minuscule rewards.
Obviously some will see this differently and I wish them well. And it’s good that EDF (and other companies) are exploring ways to help customers reduce their bills. I do just think this particular one – for me anyway – is a non-starter.
I would be interested to hear any comments from people doing this challenge (or similar ones from other energy companies) as to whether they find it worthwhile, and whether the benefits really do justify the changes you are required to make.
I do still recommend EDF Energy based on my personal experiences with them. And as I’ve said before on PAS, I can offer anyone switching to EDF £50 off their bills if they use my refer-a-friend link at https://edfenergy.com/quote/refer-a-friend/sunny-koala-9462 when applying. I will also get £50 off my bill if you do this, which is duly appreciated 🙂
UPDATE 22 OCTOBER 2024 – I am indebted to the readers (especially Harry!) who have taken the time to comment on this article and address some of the points raised in my original post. Based on this I have changed my views somewhat and am considering registering for the scheme when it reopens in November. If you’re still wondering whether to take the plunge, please do take the time to read the comments as (like me) they may influence your decision. I will publish an update in due course if I proceed with it next month.
UPDATE 28 NOVEMBER 2024 – Thanks again to everyone who commented on this post. Sorry I couldn’t reply to everyone individually. You may like to know that I just added a new post about why I changed my mind and registered for the EDF ‘Sunday Saver’ Challenge and how I got on in my first month. Please see https://www.poundsandsense.com/heres-why-i-changed-my-mind-about-edf-energys-sunday-saver-challenge/
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Yes, it’ s time for another exciting giveaway here on Pounds and Sense. This one has a ‘back to school’ theme. In most parts of the UK, of course, this occurs in early September. Scottish schools generally return a bit earlier, around mid-August.
Again I have clubbed together with some of my fellow UK bloggers to provide a plethora of great prizes. And the best news is, it’s entirely free to enter. The giveaway is open now and will close on September 1st 2024.
The prizes have been hand-picked for children and young people returning to school this autumn, so they should be ideal for your children or grandchildren. But if you want to keep any for yourself, we promise we won’t tell!
This event has (again) been organized by Rowena Becker, who blogs at My Balancing Act. No small amount of effort has been involved in arranging and co-ordinating it, so many thanks again to Rowena for her hard work and dedication.
Without further ado, then, I’ll hand you over to Rowena to introduce the giveaway…
Back to School Giveaway
Get ready for an exciting opportunity as some of the top UK bloggers unite to bring you a fantastic back-to-school giveaway! We’ve teamed up to offer one lucky winner a fabulous collection of school essentials that will make heading back to the classroom a breeze.
From stylish lunch bags and durable water bottles, to school shoes and jackets, this giveaway promises to equip you with some great goodies to kick off the school year in style. Join us in this collaborative celebration and enter for your chance to win these amazing prizes. Let’s make this school year the best one yet!
In order to be able to bring you this incredible giveaway, some of the UK’s top bloggers got together. A massive thank you to all involved! The bloggers taking part are:
Start-Rite Shoes is giving one lucky winner the chance to win a pair of school shoes for their child.
The foundation of any school uniform is a quality fitted pair of shoes, but there is nothing uniform about a Start-Rite school shoe! With 12 new styles added to their school shoe collection this season, Start-Rite is more prepared than ever to protect your children’s feet. No one size fits all, as every pair of feet has individual requirements to ensure healthy physical development.
Whether you’re looking to support wide or narrow feet, a high instep, or shoes that double for a special occasion, Start-Rite has a style to suit every child.
EcoSplash Fleece Lined Jacket Navy from Muddy Puddles
Gear up for the ultimate back-to-school season with Muddy Puddles’ in our back-to-school giveaway! Included in the prize bundle is a top-tierkids waterproof jacket that ensures your young adventurers are ready for any weather.
This navy raincoat features an impressive waterproof rating of 10,000mm to keep your child dry during heavy downpours, perfect for rainy days. Crafted from durable, breathable fabric made from recycled plastic bottles, it’s both eco-friendly and long-lasting. The soft fleece lining provides extra warmth, while the jacket’s design makes it easy to layer across various seasons. Fully taped seams offer robust protection against the elements, and reflective details enhance visibility in low-light conditions for added safety. Plus, it’s machine washable at 30 degrees for easy care.
Muddy Puddles has your kids covered for back to school with theirback to school jackets, waterproofs, and more—ensuring every rainy walk to school, puddle-jumping session, and chilly playground adventure is tackled in style and comfort!
Smash lunch bag and water bottle set
Gear up for the school year with an essential lunch bag and water bottle set! TheSmash Lunch Bag is your kids perfect lunchtime companion, designed with full insulation and an antibacterial lining to ensure their meals are as fresh as possible. Made from premium neoprene, this lunch bag is not only fully washable but also brings a splash of personality and fun to every meal.
Stay hydrated in style with theSmash Twin Wall Soda Bottle. Made from durable stainless steel, this sustainable bottle features a sleek design and a removable cap, making it an ideal everyday accessory. It’s BPA-free, food-safe, non-toxic, and offers a smart, twin-walled construction.
Create-a-Space™ Storage Centre from Learning Resources
Introducing a stylish addition to any back-to-school setup: the Create-a-Space™ Storage Centre from Learning Resources, which is part of our exclusive giveaway prize bundle! Perfectly blending modern design with practicality, this white 10-piece set will seamlessly fit into any décor theme, whether at home or in the classroom.
The carousel-style design features 8 removable containers, providing the perfect solution for organising essentials like glue sticks, crayons, pens and more. Keep your workstation clutter-free and enjoy a space that is as functional as it is chic with this versatile storage centre.
LittleLife Flip-Top Water Bottle!
Family active outdoors brand, LittleLife, is giving one person their choice of aflip-top water bottle, perfect for the school day.
Made from impact-resistant Tritan copolyester, a watertight lid and holding 550ml, these bottles are durable and fit fuss-free into your child’s school rucksack or backpack. LittleLife’s water bottles also come with a chew-resistant straw to avoid lingering tastes and odours due to being BPA-free.
Brainstorm Toys Children’s 14cm Desktop World Globe
Discover new horizons with the Brainstorm Toys Children’s 14cm Desktop World Globe, a shining star in our back-to-school giveaway prize bundle! This compact yet high-quality globe is a treasure trove of knowledge, showcasing detailed political boundaries, natural wonders like lakes, rivers, and deserts, as well as capitals and major cities.
Perfect for curious minds, this globe is ideal for home or school, making it a must-have for any aspiring explorer. The sturdy base ensures stability, while its easy rotation allows young adventurers to seamlessly explore different areas of the world. Enhance your child’s learning experience and ignite curiosity with this engaging educational tool.
Little Brian Scribble Paint Sticks
Unleash your creativity withScribble Paint Sticks by Little Brian, a standout addition to our giveaway prize bundle! These innovative paint sticks are perfect for adding intricate details and patterns to your artwork, thanks to their finer tip. Featuring 12 vibrant classic colours, they bring your child’s artistic visions to life with ease. Enjoy a mess-free painting experience where paint twists up and down just like a glue stick and dries in under 60 seconds. Whether you’re working on paper, card, wood, or glass, these versatile paint sticks make it simple to explore your creativity without the clean-up hassle.
How to Enter
You can enter this Back to School Giveaway by completing as many Rafflecopter widget entry options below as you like. All entries will be collated, and one winner will be randomly chosen via Rafflecopter.
The giveaway will run from 4 pm 23rd August 2024 to 8 pm 1st September 2024.
The winner will be notified by email from rowena@mybalancingact.co.uk
The winner will have 7 days to respond, after which time we reserve the right to select an alternative winner.
This prize draw is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram, X, YouTube, BlogLovin or Pinterest or any other social media platform.
Prizes open to over 18s only. Age verification may be required to receive some prizes.
Some or all of the prizes may take a few weeks to arrive.
If any prizes are out of stock then we will do our best to find a suitable replacement but cannot guarantee it.
Anyone who unfollows before the giveaway ends or doesn’t complete the required entry action will be disqualified.
The prize is non-transferable, non-refundable and cannot be exchanged for monetary value.
We may be using a parcel service or Royal Mail for some of the prizes and their standard compensation will apply in the event of loss or damage.
Some items may be sent directly by the supplier and we do not have responsibility if these go missing and we cannot replace such items.
In the unlikely event that one of the companies withdraws a prize, we cannot offer an alternative.
The winner’s name will be stated on some or all of our bloggers’ websites and announced on Twitter/X and other social media channels. It will also be displayed on the Rafflecopter entry form. By entering this prize draw, you give your permission for this.
Please note the winner may have the same name as you so if you see your name displayed, be aware that you are not the winner unless you have been notified by us.
There may be some delays in receiving prizes.
Good luck, and I hope a Pounds and Sense reader wins this fabulous prize bundle!
Note: This post (and others on Pounds and Sense) includes affiliate links. If you click through and make a purchase or perform some other specified action, I may receive a commission for introducing you. This will have no effect on the product or service you receive or the price you pay for it, but it does help me pay my bills. Thank you!
If you enjoyed this post, please link to it on your own blog or social media:
In a recent post I talked about tax-free ways to boost your finances. It occurs to me that I omitted an important one, however – entering prize draws and competitions. In the UK anyway, cash and prizes acquired this way are normally tax-free.
In recent years the internet has opened up a host of opportunities for entering (and winning) competitions from home. Whether you’re a seasoned ‘comper’ or a newbie eager to try your luck, I hope you will find the tips, resources and advice in this post useful…
1. Finding the Right Competitions
The first step towards winning is finding the competitions themselves. Here are some ways to discover them:
Social Media: Follow brands, influencers (e.g. Superlucky Di) and competition-focused groups on Facebook, Twitter/X and Instagram. Search for relevant hashtags, e.g. #competition #prize #giveaway. Many businesses also run exclusive competitions for their social media followers.
Email Newsletters: Subscribe to newsletters from your favourite brands and competition websites to receive alerts about the latest contests.
2. Setting up Dedicated Comping Accounts
It’s best to set up dedicated email and social media accounts for your comping. Inevitably you will receive growing volumes of promotional material and even (regrettably) spam. Using separate, dedicated accounts will ensure your personal accounts don’t get cluttered up.
Check Email Regularly: To save time, you can search for relevant words and phrases like Congratulations, Winner and Runner-up.
Set up Accounts on Facebook, Instagram and Twitter/X just for Comping: Some competitions require you to ‘like’ or follow a particular brand on social media in order to enter.
Don’t Sign Up for Further Info: Avoid ticking the box to receive more information when entering a competition, unless you are really sure you want this. Doing so can result in your inbox swiftly being overrun.
3. Understanding the Rules
Each competition has its own set of rules and regulations. Carefully read the terms and conditions to understand:
Eligibility: Ensure you meet the requirements (e.g. age, location).
Entry Limits: Some competitions allow multiple entries, while others are strictly one per person.
Closing Dates: Note the end date to ensure you don’t miss out.
4. Crafting Winning Entries
Certain types of competition require more than just luck. Here’s how to stand out:
Skill-based Competitions: These might ask for a slogan, recipe, or photo. Be creative and original. Research past winners to understand what judges are looking for.
Tie-breakers: If there’s a question to answer, put some thought into it. A unique and clever response can be your ticket to winning.
5. Maximising Your Entries
To increase your chances, enter as many competitions as possible. Here’s how:
Set a Schedule: Dedicate time each day or week to entering competitions.
Use Autofill Tools: Tools like RoboForm can save time by automatically filling out your details for you.
Keep Track: Maintain a list or (preferably) spreadsheet of entered competitions to avoid duplicates and track deadlines.
6. Avoiding Scams
While many competitions are legitimate, some are not. Protect yourself by:
Verifying the Source: Only enter competitions from reputable websites or brands.
Not Paying Fees: Genuine competitions won’t ask you to pay to enter.
Checking Reviews: Look up the competition and the company running it to ensure they have a good reputation.
7. Networking with Fellow Compers
Join online communities and forums such as MoneySavingExpert or dedicated Facebook groups (such as this one) where members share tips, winning stories and new competition finds. Networking with other compers can provide valuable insights and motivation.
8. Celebrating Wins, Big and Small
Not every prize will be a jackpot, but every win counts. Celebrate all victories, whether it’s a small voucher or a large cash prize. Sharing your wins on social media or competition forums can also encourage others and attract positive attention.
9. Staying Persistent
Winning competitions requires patience and perseverance. Don’t get discouraged if you don’t win straight away. Keep entering regularly, and your persistence will eventually pay off.
Closing Thoughts
Winning cash and prizes through online competitions is a fun and potentially rewarding hobby. By keeping organised, being creative, and staying wary of scams, you can significantly boost your chances of success. So get out there, start entering, and who knows? You might just land that dream holiday or big tax-free cash prize sooner than you think 😎🍾🏖
Happy comping, and may the odds be ever in your favour!
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Today I’m sharing a post I originally wrote for my friends at Mouthy Money. It’s an important topic so, by agreement with Mouthy Money, I am publishing it here as well.
As you are probably aware, the UK government is currently pushing heat pumps hard in its quest to achieve Net Zero. As I said in my earlier article for Mouthy Money, however, they are definitely not a one-size-fits-all solution for home (or business) heating.
Even the government admits heat pumps are unsuitable for around 4 million UK homes, for a variety of reasons including lack of outside space and planning restrictions. Industry estimates suggest the real number is closer to 8 million [source].
Even if your home is theoretically suitable for a heat pump, there are good reasons why you might not want one. As previously discussed, these include the high initial cost, the potential noise issues, and the fact they work less well in cold weather (just when you need them most!).
For heat pumps to operate effectively, properties must be well insulated, and bigger pipes and radiators are likely to be needed. This can add considerably to the cost, not to mention the disruption caused. In my personal view heat pumps are best suited to new-build homes that can be designed around them.
So today I thought I would set out a range of other home heating solutions you might want to consider. I will also set out some points to take into account before making any decision.
Heat Pump Alternatives
1. Gas boilers
Gas boilers have been a staple in UK homes for decades, and they remain a very popular choice for heating. They provide reliable and instant heat, making them particularly suitable for homes with high hot water demand. While they rely on fossil fuels, modern condensing boilers are more energy-efficient, helping to reduce carbon emissions (and costs) compared to older models.
2. Oil boilers
For properties not connected to the gas grid, oil boilers offer a viable alternative. They work similarly to gas boilers but use heating oil stored in a tank on the property. While oil prices can fluctuate, modern oil boilers are highly efficient and can provide consistent warmth to homes in rural areas or those without access to natural gas.
In future oil boilers may be converted to run on hydrotreated vegetable oil (HVO), which is a renewable and 100% biodegradable alternative [source].
3. Biomass boilers
Biomass boilers use organic materials such as wood pellets, chips or logs to generate heat. They’re a sustainable option, as wood is a renewable resource.
Biomass boilers can be integrated into existing heating systems and may be eligible for government incentives such as Green Deal, making them an attractive choice for environmentally conscious homeowners.
4. LPG (liquefied petroleum gas) boilers
LPG is a clean-burning fossil fuel typically stored in a tank on the property, providing a reliable source of heating and hot water. LPG boilers function similarly to natural gas boilers, offering instant heat and efficient performance. They’re particularly popular in rural areas where mains gas is unavailable, providing homeowners with a convenient and cost-effective alternative for heating their homes.
5. Electric heating systems
Electric heating systems come in many different forms, including electric radiators, storage heaters and underfloor heating. They also include low-emission infrared panels.
While electricity prices can be higher than gas or oil, advances in technology have led to more energy-efficient electric heating options. They are often easier – and therefore cheaper – to install and require less maintenance compared to traditional boiler systems. They can be a good choice for smaller properties and those with limited space.
6. Air conditioning systems
Traditionally associated with cooling, modern air conditioning systems can also provide heating during colder months through a process known as reverse cycle or heat pump technology.
These systems extract heat from the outdoor air and transfer it indoors, offering both heating and cooling capabilities in a single unit. While more common in warmer climates, air conditioning systems are becoming increasingly popular for heating purposes in the UK due to their energy efficiency and versatility.
7. Electric boiler systems
Electric boilers function similarly to gas or oil boilers but use electricity as their primary energy source. They heat water for central heating and domestic hot water supply, offering a clean and convenient heating solution. They can normally be used with the same radiators as gas boilers, unlike heat pumps which (as mentioned above) typically require the installation of bigger radiators and pipes.
Electric boilers are compact, quiet, and emit no emissions on-site, making them suitable for properties where space or ventilation is limited. While electricity costs may be higher than some other options, electric boiler systems can be an efficient and low-maintenance option.
The MInistry of Defence recently decided to opt for electric boilers rather than heat pumps as a more cost-effective solution for barracks and other military installations [source].
8. Hybrid heating systems
Hybrid heating systems combine two or more heating technologies to optimize energy efficiency and performance. For instance, a hybrid system might pair a gas boiler with a heat pump or integrate solar thermal panels with a conventional boiler. These systems offer flexibility and can adapt to changing energy demands, providing homeowners with both reliability and sustainability.
9. Solid fuel stoves
Solid fuel stoves, such as wood-burning or multi-fuel stoves, provide both warmth and ambiance to homes. They’re particularly popular in rural areas where homeowners have access to firewood or other solid fuels. While they require manual operation and regular maintenance, solid fuel stoves can significantly reduce heating costs and add character to any living space.
10. District heating networks
In urban areas, district heating networks supply heat to multiple buildings from a central source, such as a combined heat and power (CHP) plant or biomass facility. This communal approach to heating can be more efficient and cost-effective than individual heating systems, offering residents a sustainable and reliable heat supply without the need for on-site boilers or heat pumps.
Considerations When Choosing an Alternative
When exploring alternatives to heat pumps, various factors need to be considered.
Cost: Evaluate the initial investment, ongoing maintenance costs, and potential savings (or otherwise) on energy bills.
Space and suitability: Consider the available space for installation and the specific requirements of each heating system.
Energy efficiency: Look for heating solutions with high energy efficiency to minimize running costs and environmental impact.
Fuel availability: Assess the availability and accessibility of fuel sources in your area.
Control options: Explore the available control features, such as programmable thermostats or smart technology integration, for convenient operation and efficient energy management.
Lifestyle factors: Some heating methods (e.g. electric) are good if you are out and about a lot but want rapid warmth when you get home. Other methods (including heat pumps) are better suited to those who are around more in the day and like to keep their home at a fairly constant temperature.
Political and economic factors: Bear in mind that the government is keen to achieve its Net Zero targets, and as a result some heating options may become more costly in future and harder (or even impossible) to access. That applies to fossil fuels in particular; although realistically it is hard to see fuels such as gas being banned entirely any time soon.
Finally, I’d like to sound a note of caution about putting all your home heating eggs in one metaphorical basket, especially that of electricity.
As the UK transitions from fossil fuels towards (supposedly) greener electricity, power cuts are likely to become more frequent and longer. The growing use of heat pumps and EVs will add to the demand for electricity from a distribution network that is already struggling to cope. And renewable energy sources such as solar and wind, while they might be more environmentally friendly, produce significantly less electricity when the sun doesn’t shine or the wind doesn’t blow.
If you’re entirely reliant on electricity for your home heating, this could make you vulnerable in the event of outages (especially relevant if there are older people in the house). In my view there is much to be said for having a backup heating source, e.g. solid fuel, to keep your home warm if the mains electricity fails. Of course, this applies with regard to heat pumps as well, as they require electricity to function.
It’s also worth noting that in Scandinavian countries, where heat pumps are more common, most families have an additional source of heating as well as heat pumps to get them through the coldest months.
A home battery system, as discussed in this recent article, can also reduce your vulnerability in case of power cuts, especially when combined with solar panels.
Closing Thoughts
In summary, while the government and energy companies are pushing heat pumps hard, they are far from the only possible home heating solution, either now or in future.
If you’re considering upgrading your heating, take time to evaluate all the options and don’t be unduly swayed by the heat pump hype (and even misinformation). While these devices can work well for new-builds in particular, they are definitely not the only option.
By exploring alternatives such as gas and oil boilers, biomass systems, electric boilers, LPG boilers, solid fuel stoves, and others, you should be able to find a heating solution to suit your budget, your lifestyle, your priorities and your property size and character.
Good luck, and please do stay warm!
As always, if you have any comments or questions about this article, please do post them below.
As part of our Christmas prize bundle, we are excited to offer the
