Do you have to sell your home to pay for care?

31 December 2020

Finding the money to fund long-term elderly care can be a worry but as this article shows, you do not need to sell your home in order to pay for care.

Financing long term elderly care can often be one of the most stressful aspects of organizing care for either yourself or a loved one. There are a variety of care options available depending on your circumstances but none of them are cheap and when it comes to something as important as the right elderly care; you will want to pay for the best care possible.

Research by the Live-in Care Hub suggests that many service users have sold, or considered selling, their homes in order to ensure that they have enough finances to comfortably afford long term elderly care for a loved one or for themselves. However, this doesn’t always need to be an option. There are other options available and other financial routes you may take.

Financial help from your local council

If you or your elderly relative do not have large amounts of savings to fall back on to help pay for elderly care then you may be able to apply for social care benefits which will help you to pay for care. This money can be put towards the cost of residential care homes or help to pay for domiciliary of home care services. When there is a medical need for elderly care, the NHS may cover the cost of nurse care.

If your elderly relative has savings of below £23,250 then they may meet the requirements for financial support for their care from your local authority. Your care needs will be assessed by your local social services to determine the level of care required before any benefits are paid. The amount you receive will also depend on how much you can comfortably afford to pay towards your care yourself as well.

Alternatives to expensive care homes

Residential and nursing care homes are without a doubt the most expensive elderly care options. Although your relative may reach a point where they require round the clock support and care, this does not always have to be within a care home setting.

Live-in care services are an excellent bridge between casual support and residential care homes. A carer will move into your or your relative’s property in order to provide care and support for as much time as is required. This will allow your relative to remain in the comfort of their own home which can help with many aspects of both physical and mental wellbeing. Live-in care is also a much more financially viable care option for many families as costs are markedly lower than the cost of moving into a care home or having domiciliary carers coming into the property in shifts.

Live-in care agencies can work with you and your financial budget to find a care plan that suits your needs and your budget. Any social care funding that you are entitled to from your local council can also be used to fund this type of care package which will help to further ease any financial burden so that you do not need to sell your home to fund your elderly care.

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What is the Best Season to Move?

If you need to move from one place to another from work or for any other relatively urgent reason, chances are you don’t really have much say in what season you will be moving. However, if you can choose, you should think carefully about which is the Best Season to Move. In order to get some inside info, we asked Miracle Movers to share their insight from their years of experience in moving in all seasons, even notorious Canadian winters. The Best Season to move: Spring Early in spring, the price quotes you can expect from moving companies will be somewhat cheaper, since the peak season starts somewhere in mid-May. That means that if you can nab an April date with fair weather, you basically get the best of both worlds – your move will be relatively cheap, and you won’t have to contend with extreme weather (be it hot or cold). On the other hand, you will have to schedule your move in advance, and knowing the weather that far in the future might be impossible. Additionally, if you have children, spring is peak exam season. Putting your children through the stress of moving in this period is something you should think twice about. Summer The proverbial best season to do pretty much everything is the summer. Some research has found that homes sold in the summer fetch higher prices, so that might be an incentive to consider a summer move. Furthermore, the weather in most places promises to be fair most days, so picking any date will likely result in a nice day. With the summer break, your children will not only not have to worry about school, they will also be available to help you – get them to pack their own things. When it comes to the downsides of a summer move, one of the most obvious ones is that everyone will pick summer, making your favorite moving companies pretty tightly scheduled – meaning the prices will be higher and their availability will be limited. Finally, extreme weather such as heatwaves and hurricanes in certain regions may also give you pause. Fall/Autumn Despite the stereotypical idea of a foggy and rainy season, the fall is actually generally a nice season with plenty of nice days that are ideal for outdoor activities, moving among them. Depending on your region, you may find that the fall is the most suitable season for a strenuous activity outdoors. Additionally, lower prices of homes in the fall may be better for you if you’re buying a home. Finally, if you move in the early fall, you will be all set in your home by the holiday season with Thanksgiving and Christmas in your new home. A major drawback of a fall move is that the school starts then, so moving just as your children start the school year may be less than ideal. With changing schools, leaving friends behind, it’s a lot of stress. Winter Finally, winter is the season when the least moves occur, especially in the regions where heavy snow is common. That, however, means that your move is likely to be much cheaper compared to other seasons. Additionally, with less work, moving companies will probably have more time to adapt to your schedule. On the other hand, the biggest problem with moving in the winter is certainly cold. Furthermore, you may also need to insulate your boxes and protect them from the cold and water to prevent any kind of damage to your things while moving. Ultimately, whichever season you pick, there are clear advantages you will get, and some disadvantages that you will have to contend with. Make sure to pick the season which suits your needs. Read Also: Factors To Consider While Preparing For A Move Moving home checklist: What you need to know 7 Helpful Tips During an Emergency Moving Process 4 Questions To Ask From Your Home Relocation Company Top 10 Reasons You Should Visit Honduras

Breaking Free From The Destructive Relationship Loop: Tips For Relief

In the turbulent journey of human relationships, many find themselves trapped in a destructive relationship. This pattern of dysfunction can lead to emotional and psychological turmoil. It's essential to recognize the signs and learn how to break free from this harmful cycle. They say a relationship should be your safest haven. Well, they say it right. Amidst all other confusions in life, every person deserves to have a home to come back to. But if things become necessarily toxic, the right step is to break free from the relationship. In this article, you will delve into effective strategies and tips for relief, which offers a path toward healthier and more fulfilling relationships. Recognizing the Signs of a Destructive Relationship Before breaking free from a destructive relationship loop, it’s crucial to recognize the signs that you are caught in one. There are times when these relationships make us toxic individuals in the course of time. Moreover, some common indicators of a destructive relationship include the following. Repeated Patterns of Conflict & Emotional Rollercoaster In a destructive relationship, conflicts resurface regularly, often revolving around the same issues. Identifying these recurring patterns is a vital first step. People who have been in such a relationship often complain about going to sleep without resolving the issue and continuing the same conflict another day, too. Individuals in such relationships often experience intense emotional highs and lows. One moment, you may feel elated, and the next, you’re overwhelmed with despair. Such people are also ignorant of their partner’s feelings. They end up making fun of their better halves in public, often resulting in humiliation. Isolation and Alienation Destructive relationship loops can lead to isolation from friends and family as the toxic dynamics push loved ones away. Recognizing this isolation is essential. If you are constantly feeling isolated and the root cause is your partner, it’s time to rethink your relationship. You should never feel alone, at least when it comes to staying with your significant other. The foremost sign of a happy relationship is when you and your partner are okay with spending time alone. You both might have different interests, goals, and passions. Furthermore, it is absolutely alright to pursue them, whether together or not. Isolation, in that sense, is fine, but not when you are all alone, even when surrounded by people. Manipulation and Control: A Negative Impact on Well-being These loops are often marked by manipulation and control from one or both partners. Be mindful of any signs of manipulation in the relationship. Facing regular manipulations and dealing with a controlling person will eventually take a toll on your mental peace. So, it’s better to talk about it clearly and talk to your partner when things exceed a certain limit. A destructive relationship can have a severe negative impact on mental and emotional well-being. It may lead to issues like anxiety, depression, and low self-esteem. As mentioned earlier, from your mental to physical health, everything gets affected if you aren’t happy from within. And as we all know, it starts showing on our faces, too. This is indeed a sad fact! Breaking Free from the Destructive Relationship Loop Once you’ve identified that you are in an unhealthy relationship, it’s time to take action. However, the action sometimes simply means drifting away from your partner. Here are some tips to help you break free and find relief: Self-Reflection, Awareness, And Seeking Support Start by reflecting on your own needs, desires, and boundaries. Gain a deeper awareness of what you want and need in a healthy relationship. This self-awareness is the foundation for change. If there are conflicts even after this self-realization, it’s better to seek counseling and other medical help. Breaking free from a destructive relationship is often challenging, and you don’t have to do it alone. Contact trusted friends, family, or a therapist who can provide emotional support and guidance. It is even better if you have someone who can offer unbiased suggestions and support to you. Hence, do not hesitate to get it when it comes to your relationships. Setting Boundaries And Indulging In Self-Care Establish clear and healthy boundaries with your partner. Communicate these boundaries and be firm in upholding them. Setting boundaries can help disrupt destructive patterns. For example, neither of you should interfere in their professional dialect or when it comes to bearing financial expenses. Setting clear boundaries is the key to going long. Focus on self-care and your well-being. Engage in activities that bring you happiness and relaxation. Self-care can help you regain your emotional strength and clarity. All that time you are taking aside from your relationship, dedicate it to a self-care session. And mind you, this is not for anybody else but for your betterment only. Communication and Counseling: A Road Towards Patience and Persistence Consider couples counseling if you and your partner are willing to work on the relationship. Effective communication and addressing the root causes of the destructive loop can be facilitated with professional help. As said earlier, getting a good and unbiased counselor can help you to have effective communication with your better half. Breaking free from a destructive relationship loop is not always a quick process. It requires patience and persistence. Don’t be discouraged by setbacks. Keep working on your personal growth and relationship dynamics, knowing that change takes time. Stay committed to your well-being and the pursuit of healthier, more fulfilling relationships. Conclusion Breaking free from a destructive relationship loop is a challenging but crucial endeavor. Recognizing the signs of a destructive loop and addressing it is a vital first step toward relief. Self-awareness, setting boundaries, seeking support, and considering professional help can all contribute to healthier, more fulfilling relationships. Remember that you deserve a relationship that brings joy and not one that perpetuates a destructive cycle. With this, we bring this article to an end. If you or someone you know is dealing with a toxic relationship, share this comprehensive guide with them so that they know their next steps. Do let us know your thoughts on this by commenting below. Read Also: Tips for Building Relationships with Senior Managers Andrew Tate Net Worth, Lifestyle, Career And Relationship Full Guide To Throuple Relationships: Rules & Tips

Universal Tarot Guidance: Times You Need A Tarot Card Reading

There comes a time in all our lives when we’re going to need metaphysical guidance when all the immediate route fails. Simply a form of guidance which could help you make your decisions better. It should come as no surprise that over 40 percent of Americans have received some form of counseling. But mental help professionals aren’t the only people that those in need seek out for answers to their questions. Tarot readers can be a great (although unconventional) method to help you look inside yourself and obtain the knowledge you need to move forward. Not sure where to start? Don’t worry, we have got you covered. There might be multiple times in your life when you will feel the need to talk to a Tarot Card Reader. Complicated personal issues or professional stresses lead to an uncertain future. Hence, many search for the best online tarot card reading site. With COVID-19 norms still in effect, getting help from online platforms regarding Tarot Card Reading is a great alternative. Let’s take a look at everything you need to know about getting a tarot card reading. 1. You Struggle With Self-Esteem Issues For some, confidence is a natural gift that requires little (if any) work to maintain. Whether it stems from beauty, talent, or a little bit of both, there are people out there who always seem to be able to keep their heads held high. For most of us, we struggle with self-esteem issues from time to time. Although it’s perfectly normal to occasionally feel negative about yourself and your abilities, it can be easy to slip into a downward spiral of self-loathing. And, once it starts, it can be very challenging to put a stop to it on your own. A tarot reader will help you figure out where this negativity is coming from. Common scenarios include ending a relationship or getting skipped over for a promotion at work. Regardless of where it comes from, your reader will help you develop a plan to handle it. You’ll walk away from your session with an actionable goal and a way to get there, and you’ll find that your self-care regimen will be better than ever before. 2. You’re Having Trouble Confronting The Past It’s easy to hold onto negativity from the past. Real strength lies in being able to let go. Unfortunately, this is far easier said than done. Issues that happened in the past are frequently the cause of the dissolution of friendships and romantic relationships. Things can seem exponentially worse if you’re in an environment that constantly reminds you of these conflicts. Through a tarot reading, you’ll be able to finally face what’s been eating away at you (even if you’ve repressed it) and begin the healing process. Most importantly, you’ll also learn how to forgive those who wronged you or accept the blame yourself. Once you’ve shed light on the shadows that haunt you, you’ll be able to ensure your future is bright. 3. You’re Feeling Burned Out Burnouts can happen to the best of us, and they can happen because of almost anything. Have you been working overtime every week recently and having very few moments to yourself? Maybe you’ve been giving a relationship your all, and you’re not getting back what you put in. Or you could be fed up with the countless responsibilities that come with being an adult. Talking to friends and family doesn’t seem to help, and in some cases, it makes you feel worse. All these things (and plenty of others) can cause you to reach a breaking point where you feel like you’re just done. Before you let your life go off on a collision course, take a deep breath and see what a tarot reading has to say about it. Having an objective viewpoint to analyze your situation can help far more than you may think. Not only will you find choices that you didn’t know were available, but you’ll also be able to choose the right path toward overcoming your mental exhaustion. 4. Nothing Seems To Go Your Way Unlike burning out, this scenario doesn’t involve working yourself away or giving all you’ve got until you can’t anymore. Instead, it involves you being a constant victim of the universe. While it may sound dramatic, unfortunate events can quickly pile up on anyone. For example, let’s say your car breaks down on a Monday morning on the way to work, and your boss berates you in front of your coworkers. You begrudgingly dip into your shallow savings account to fix your car. On top of all of that, you had to spend even more money on transportation and eating out while your car was in the shop, leaving you in a state of financial disarray. Then, you have the realization that staying at your current job will only make you better at performing a role in a field you don’t even like. While this is only a general scenario, it’s not that unlikely to happen to most of us. It also proves that it doesn’t take much to overwhelm people within a short period of time. While a tarot reading isn’t going to magically put cash in your hand, it will help you determine what your life goals are and develop a plan to reach them. This could be as simple as saving an extra few hundred dollars per month or as extreme as working toward a career change. How Often Should You Get A Tarot Card Reading How often should you get a tarot card reading? Well, that depends! Tarot readings can be fun, illuminating, and occasionally game-changing. But how often? That’s up to you and what works best in your circumstances. Here are some pointers. 1. What Does Your Gut Say? There is no rule on how often you should get a tarot reading. Use your intuition! If you feel like you’re at a standstill, confused, or need some answers, that is probably a good time to see another reader. The tarot can be used as a mirror, so listen to yourself! Get a reading when it feels right. 2. Don’t Binge Tarot readings are amazing, but you can definitely have too many good things. If you’re trying to gain clarity on one issue, space your readings out. Why? It’s giving the advice that you got last time to integrate into your life. Tarot isn't an instant fix. It’s guidance. See what happens after that. 3. Life Transitions And Big Decisions Tarot can also be used as a tool for meditation and self-reflection. Pulling a card at the beginning of each month or season and reflecting on that card’s meaning and how it might relate to your life, can help you set focused intentions and navigate the weeks ahead. Tarot can also be a great way to tap into your intuition when making decisions, both big (should I take that new job?) and small (what should I make for dinner tonight?). While it’s not going to magically give you all the answers, using tarot to brainstorm possibilities and consider different perspectives can help you make choices that are more aligned with who you are. 3. During Life Transitions Tarot can be especially helpful during life transitions or when making big decisions if you’re going through a major change. Like starting a new job, ending a relationship, or moving to a new city. It might be a good time to get reading. These moments are often filled with questions, and tarot can offer some perspective to ease the uncertainty. 4. Monthly Or Seasonal Check-ins Tarot can also be used as a tool for meditation and self-reflection. Pulling a card at the beginning of each month or season and reflecting on how it might relate to your current lifestyle. Also, it can help set focused intentions and navigate the weeks ahead. Some people like to get a tarot reading every so often, like once a month or each season. It’s a good way to take stock of where you’re at, set some goals and intentions, and just generally stay in touch with yourself. If you get a reading for the first day of each month, that gives you 12 chances throughout the year to get clear on your game plan for the next four weeks. 5. After Something Big Happens Did something big, good or bad, just happen in your life? Tarot can help you with the positive and negative fallout from major events by either giving you reassurance or helping point you in a new direction. For sure though, it’s all up to what you feel right doing. Trust and have confidence in yourself. Knowing When To Schedule A Tarot Card Reading Can Seem Difficult But it doesn’t have to be. With the above information about reading the tarot card in mind, you’ll be well on your way to gaining the clarity that you need to take your next step in life. Want to learn more lifestyle tips that can help make things easier for you? Make sure to check out the rest of our blog! Read Also: Understanding New Age Spirituality A Guaranteed Approach To Raising A Little Genius 5 Questions You Should Not Ask During Your Tarot Reading

Do you have to sell your home to pay for care?

Financial help from your local council

Alternatives to expensive care homes

10 Instagram-Worthy Hens Party Ideas-Without Losing Your Mind

Planning Your First Date: Here Is How You Can Blow Them Off Their Feet

Content Rally

Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

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Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

Leave a Reply

Popular

Follow Us

Recent

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