Getting Back On Track With Your Finances

My Thoughts On Starting To Save Again

Collaborative Post

For me, looking after my money has become increasingly important over the last few years. As I reach middle age I want to be less reliant on my full time job and stable enough to go on more holidays. My dream is to work part time and have side hustles and investments to see me through.

Lots of people have been struggling with their finances since Covid, especially as the cost of living crisis has gripped the UK and the rest of the world. So financial planning has become more of a necessity than a choice:

This blog post explores some of the considerations to make when trying to get your money in order. I am in no way an expert on this but have learned the hard way about the importance of getting my money organised.

How To Get Your Money Consolidated

I suppose one of the biggest things I have learned in the last ten years is the importance of shopping around for finance and utilities. Sometimes consolidating debts with an all encompassing loan, for example, is a sensible way of getting your debts together and moving forward positively.

When I had several credit cards, my solution ended up being getting a loan which paid them off. Just paying interest on one loan which was spread affordably over six years made more sense than three cards all with variable interest rates and purchase fees.

One thing that can help you to get an idea of what sort of loan is practical for you is using a loan calculator. Utilising this to work out how to spread payments with the least amount of interest can be beneficial.

You have to do it on your terms.

Any loan is a serious obligation but if used carefully might be a long term solution to a current quagmire of financial burdens.

From the calculator.me website

Saving For The Future

Now as well as pinching those interest charges by consolidating, it is always a good idea to find ways to save money. I have mentioned some strategies for this before in my post – Saving Money In 2023. It is something I am passionate about as it promotes independence and takes away reliance on income sources.

If you save well, then money no longer needs to be hand to mouth.

You can work out how effective small savings can be by using this Savings calculator. People often dismiss putting away a little bit of cash each week but it can be a powerful way of saving for the future.

I have taken to saving money every time I shop, using the suggestions on my banking app. If I spend £3.89 on my card, the app will suggest that I round up to the next pound and give the difference to my savings. This is a brilliant way of gathering savings, bit by bit.

In A Nutshell

Money is something that has given me a lot of stress in the past. In fact, during my twenties I was awful at managing my finances and I didn’t generate any savings. These days I am more careful with every penny and use money calculators to help me work out the best way to save and consolidate. Looking after your finances is important as it leads to stability and reduces anxiety about how the next bill will get covered.

Have you ever thought about putting your debts all into one pot?

Are you saving on a daily basis?

Thank you for taking the time to consider my money saving suggestions. Drop me a comment with your thoughts on this subject. Please also consider following my little blog for similar future content.

Travel Without Pollution

It is time for the latest blog post by ‘The Climate Change Collective.’ We set up a group of bloggers who take turns writing lead articles about global warming and being ecofriendly. After each post appears, all of us keen eco bloggers add our own thoughts on the matter, whilst linking to the lead piece.

This month’s thought-provoking article is by the brilliant @MidLifeOnEarth who is considering how we can change our attitudes to travelling locally to work, school and shops.

My Thoughts

When I went to University my geography lecturer spoke about the need to replace short car journeys with walking, cycling and public transport. I feel that he was ahead of the times in 1996 as he was consulting on cycling access throughout Europe and leading initiatives for sustainable transport.

Twenty seven years later and we still haven’t made much progress in the UK. It is a struggle to cycle alongside cars on roads filled with potholes. I feel ashamed that the UK government are not prioritising walking and cycling routes as these should be priority schemes.

It will take a huge mindset shift for people to transition to making local journeys on foot or on bikes. The results of such a move would be greatly reduced danger from vehicles, due to fewer cars on the roads. Also, fitness would improve due to increased amounts of cardiovascular activity. It would be a win-win situation.

In A Nutshell

Check out the latest article about the benefits of active travel and let us know your thoughts on this important environmental matter. For my last link post, perhaps also have a look at Why Greener Spaces Matter.

Thanks for looking at my post. Please read through MidLifeOnEarth’s fascinating article and drop a comment with your own ways of reducing vehicle travel.

Five Challenges Of Teaching

This is the first time I have written a blog post about my profession but I felt it was appropriate to discuss the issue, especially during current strikes and lots of News posts about education in Britain. The challenges of teaching are real and have grown considerably in the last ten years.

1) Not Enough Hours In The Day

I know a lot of people dismiss teachers as lazy due to the regular holidays and large summer vacation. What people don’t see is the number of hours that professionals put in every week. Teachers teach from 8:45 to 15:15 or thereabouts BUT that is by no means the end of it.

Many articles suggest that teachers spend more time doing admin than actually teaching. An Edweek article speaks of teachers working a median of 54 hours a week. Under half of this time is actually taken up delivering whole class teaching.

A lot of my friends earn a lot more in office based jobs but never take work home or do any admin at the weekend. Teachers have to!

2) Homework Matters!

I hear people talk about homework as if it is irrelevant. It may feel like a drag getting your child to do a school task at home but it is really important. Half of a pupil’s learning takes place out of school.

Life skills and days out contribute to education too. Good conversations with families and friends make a difference to this learning. Homework helps to discipline young people to take control of their workload and enables them to solidify spelling knowledge and mathematical methods.

So, YES teachers spend a lot of time chasing missed homework. It does matter.

3) Parents Make A Massive Difference

It is strikingly obvious that parents can make a huge difference when it comes to education. Supportive parents can be incredibly valuable. They also make a teacher’s life easier.

When parents put effort in to spend time with their children reading, pupils are certainly more keen to interact with books. Those who don’t bother are easy to spot. Kids who never have a book or remember to bring it or who don’t want to engage with books often come from homes where books are not valued.

Similarly, in houses where kids get to do productive things and get involved with informal education, they tend to engage better with the education system. You don’t have to do expensive days out at The Yorvik Museum or visiting the French trenches. Just having sensible conversations about nature, making a bird feeder, talking about what is going on in the world, encouraging questioning… These things help.

4) People Pleasing

The inspection system is flawed. As we know, recently there has been a lot of talk about the lack of value of Ofsted inspections. Giving a school a one word summary is very simplistic and can be very harsh.

Currently Ofsted grades include:

Outstanding

Good

Requires Improvement

Inadequate

We spend a lot of time going through mock inspections and doing extra admin which an inspector might like to see. Teachers are under incredible pressure to perform and it can be A LOT. One visit every three to five years can knock a school down or provide it with a stamp of glory.

Essentially teaching is people pleasing. For me though, the people who truly matter are the pupils. Not inspectors!

5) Who are we doing the admin for?

Another thing that takes up a lot of time in education is the dreaded thing we call marking. Teachers spend lots of time writing in books, ticking, underlining and correcting work. It is a prominent part of the job but can become very tiring.

Fortunately, it is possible to hot mark during a lesson as you provide feedback to individual pupils. This has been a new addition which was gratefully received. But there is a lot of other admin surrounding marking and assessment.

Secondary school teachers know better than anyone how taxing marking tests and exams can be. Any test we set has to be processed in some way. At primary school, every answer in a test is scored and typed into a computer to be churned out on various Excel spreadsheets. For whom I will never know.

SEND

Special Educational Needs are becoming a growing concern. In my twenty years as an educator, the proportion of young people per class with special needs has grown whilst the number of teaching assistants has dwindled. I love that we include everyone in education but the amount of admin surrounding a child with an educational statement is huge and the amount of training in this area is limited.

In A Nutshell

I have always strongly believed that education should be free and widely available. Growing up in a small village in the Fens and then going to secondary school in a market town, I adored my education. Those with privilege seem to get better opportunities at school but I totally disagree. They may get to mix with more rich kids but passionate teachers are widespread.

My friends and colleagues are wonderful teachers and love imparting knowledge, supporting pupils to develop as good citizens and inspiring young learners to strive for their dreams. If parents are supportive then children can learn so much. There are a few obstacles though, such as behaviour and social history.

And Finally…

Hopefully my five challenges facing teachers get you to think about some issues that affect educators. When teachers strike it is because of issues such as these and the incredible work-life imbalance that leads to burnout and early retirement or brilliant teachers switching careers.

Thank you for taking the time to read my blog article. For another informative post, have a look at my Why Greener Spaces Matter article which links to The Climate Change Collective. Please also follow my blog for more articles about lifestyle and reviews of books, movies and TV programmes.