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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How To Invest In Yourself For A Stress-Free Daily Life

In today's fast-paced world, stress has become an almost inevitable part of daily life. Balancing work, family, and personal commitments can leave us feeling overwhelmed and drained. However, investing in self-care can be a game-changer, helping us to manage stress and improve our overall well-being. In this article, we will tell you the best way to invest in yourself so that you can have a more stress-free daily life. Whether it's small daily habits or bigger lifestyle changes, these tips will help you take care of your mental and physical health so you can handle whatever life throws your way with a bit more ease and a lot more calm. How To Invest In Your Self? When you start doing some research on the internet or ask your friends and family for advice on how to invest in yourself, the search results and the suggestions can overwhelm you. On the other hand, Investing in a personal trainer or therapist, while beneficial for many, is both expensive and a big commitment. They are good options for making change, but if you are just beginning your self-care journey, there are plenty of ways to start small. Paying a professional isn’t the only way to reduce stress and better your wellbeing. There are small ways to invest in yourself daily without spending too much money or time. Not only will it help in your personal growth and well-being, but it will introduce some calm to your busy week: Your Closet Deciding what to wear is a stressful part of most mornings, particularly before work. Digging through your options may slow you down and even cause you to be late. Giving yourself a good wardrobe selection doesn’t have to be costly. Start by investing in essential basics like tees you can dress up or down. Having a couple of sweaters for layering will ease your transition into the colder seasons. For those working from home, ensure you have a few cozy essentials like soft sweatpants and sweatshirts. Having these options in your closet will make it easier to make a quick decision in the morning. Having good undergarments may relieve your stress as well. Comfortable socks that don’t slip down while you walk can prevent blisters. No-show socks will add comfort to shoes that don’t cover the whole foot. Investing in high-quality underwear will enhance your comfort during the day. For women, purchasing a set of period underwear will prevent stress during that time of the month. These aspects, little by little, will relieve certain areas of stress that you may experience on any given day. Skincare Nobody likes waking up in the morning with a fresh pimple, and nothing causes that early morning stress like trying to hide a breakout. Products that are good for your skin and prevent breakouts may save you from having a last-minute panic. There are also products like serums and oils that can help you treat specific needs. Investing time into your skincare may calm your anxieties and make you feel better about yourself over time. Skincare is an opportunity to improve skin health while also making you smell and feel good. Buying quality body wash and lotion to fit your needs will make you excited to do your morning and evening routines. Using a special scrub on important days puts a spring in your step, while calming lotions wind you down. Whether you have special skin concerns or just need a way to destress, skin care will make you feel more comfortable and confident in your body regularly. Meal Delivery Service For many people, planning meals and grocery shopping is a large source of stress. For those with children, making three meals a day requires even more time and effort. Even if dinner is the only meal you cook from scratch, it can still be a lot on your plate, especially after finishing a day at work. Meal or food delivery services make the meal planning process easier for those working full-time. Even if you’d prefer to pick your own recipes, services like Instacart or Doordash will help you save a few hours every week by delivering groceries to your door. For people with social anxiety, it also saves you the stress of walking around a bustling store. Those with kids can stay home and avoid managing young ones in public. No matter which subscription service you use, you'll be able to use your time to focus on family or self-care instead of meal planning and shopping. Self-care Apps When you have a busy life and are always on the move, it’s a challenge to fit in new self-care habits. Self-care mobile apps have allowed people to fit new routines into their pockets. Apps like Calm enable people to have guided meditation tools at their fingertips. Meditation apps will introduce intentional relaxation into your routine. Including this routine right before bedtime may even encourage better sleeping patterns. Fitness apps can track your sleep and aid you in building those good habits. Self-care apps on the market include more than just meditation and fitness. There are plenty of journaling and organizational apps that will motivate anyone to introduce a new habit into their daily life. Journaling apps are a good way to relieve stress by getting all your thoughts out, especially after a long day. Organizational apps may help you better schedule your tasks for the week and will assist with time management. No matter your needs, you can find an app that aids your mental well-being and reduces stress in your day to day. Invest In Yourself: It Will Be Worth It! There are plenty of ways to invest in your self-care routine that don’t involve spending large sums of money. There are even more options than listed above that may help you relieve your stress and improve your mental well-being. Whether it’s through changes in your appearance, planning, or tools you use, you can make positive changes in a number of different ways. It’s up to you to determine what works best for your needs and lifestyle, but regardless of your choices, your self-care habits will be worth the investment. Read Also: How Music Therapy Empowers Recovery in Substance Abuse Treatment 10 Tips on How to Ditch the Stress and Start Living a Peaceful Life 10 Health Problems Eased by Yoga

The Holy Commandments of Dating in College

College is an exciting place to be. From your boring bald professor to the exhilarating prom nights, college is undoubtedly an enormous box of fun. While your parents want you to ideally graduate with flying colors, it doesn’t mean you shouldn’t create a worthy time for your social life. Falling in love in college isn’t a capital offense. There are countless stories of relationship that were birthed on campus and maturated at the altar. Albeit, to get your relationship to work out, there are a few rules you may want to anchor it on. Dating Requires Time Management: Learning to prioritize your time even when you have met that special someone is crucial to having a sustainable relationship. Time management involves effectively scheduling when you hang out with your date, study, or mix with friends. Consistently avoiding friends and family just to be with your date isn’t entirely the wisest choice to make. This is because both of you should have a level of independence. That’s how you soar well as a couple and have a sustainable romance. You don’t want to come across as being clingy, so give yourselves space to breathe. Forget the Fantasy: Your BU social life can be intimidating if you don’t settle your priorities. It’s not uncommon to see your roomies brag about how much their partners invest in their relationship. You may begin to think your date doesn’t care much about you. Desist from ever comparing your relationship with that of another. Remember that your date is a student as well, and spending money on luxury dinners and fantasy trips may not be a priority now. Thus, rather than craving these, patiently build a relationship that isn’t focused on luxuries; it often pays in the end. Define what you want: As part of your BU social life, you will find students who date exclusively and others who don’t. In truth, it’s all a matter of preference. So it’s paramount that you and your date define what you want out of your relationship from the onset. There are people who don’t believe in dating exclusively. This means that even though they are dating you, they believe they can also have flings and one-night stands with others, and they have no reservations if you do too. If that’s not the kind of dating you envisioned, then it’s fine not to progress with it. You both would be on different pages. If you want a totally committed date, then spell it out from the start. You don’t need to compromise until you find what you want. No college relationship that is clearly defined should face insurmountable hassles. The issue in most relationships often emanates from a lack of proper communication or differing expectations. If you and your partner mutually fix the constitution of the relationship and layout the rules agreeably, you will enjoy a more accountable and solid dating experience. Dating in college doesn’t have to end in emotional turmoil. Take time out and clearly define your relationship, fix milestones to achieve communally, and bask in the consistency of your romance. Read Also: The Best Dating Sites In 2019 5 Ingredients Of A Healthy Relationship: Is Your Relationship Healthy?

Best Ways to Maintain a Shower Cabin

If you own a modern shower cabin, as opposed to a traditionally tiled shower enclosure, then the bad news is that you will still have to keep it clean. The good news is that this is a whole lot easier than it is with old-fashioned shower enclosures, mainly due to the absence of tiling, which is just a time-consuming pain to clean. What's more, if you go about it the right way, maintaining your shower cabin can take very little effort. These tips can help. Wipe your feet (or put a towel down): Wandering around in bare feet can be very comfortable but it means your feet can get very dirty, very quickly, so you might want to think about cleaning off the surface grime before you step into the shower. Alternatively, put a towel down on the shower floor and then just stick this in the wash after you've finished. Either of these approaches will go a long way to keeping the floor of your shower cabin white and gleaming. Little and often is the way to go: Ideally, all shower users should end their shower by going around the enclosure with the showerhead in one hand and a brush in the other to get rid of surface dirt. They should then use a microfiber cloth to remove the water. Back in the real world, at least give the shower enclosure a quick once over to remove any residue from the products used or, as an absolute minimum, run the water over any visible deposits. Aim to give your shower a proper clean twice a week: Before you gasp in horror, this approach will actually save you time and effort over the long term. We'll explain why as we go along. As a minimum, clean your shower enclosure once a week for hygiene and practicality (plus it can help to extend the life of your shower). Here are some tips on how to keep your shower enclosure sparkling. Start with the showerhead: Fill a container with white vinegar and leave your shower head to soak in it while you clean your shower. If you do this at least every other time you clean your shower (assuming you clean it twice a week), then a short soak will be just fine. Remove suds promptly: It may seem like foam disappears all by itself if you just leave it but actually what happens is that the liquid content evaporates but the chemicals generally stay put, along with the dead skin cells and hair carried off your body in the foam. The advantage of rinsing your shower after each use is that this will catch everything when it's at its easiest to remove. After this, a 50/50 mix of vinegar and water will probably do the trick, especially if you use it a couple of times a week as we suggest. If you do let the dirt in your shower cabin build-up to the point where you have to resort to a commercial cleaner, then make sure to use a non-abrasive one. Vinegar and water is the perfect cleaner for reflective surfaces: That same mixture of vinegar and water will also do a great job on the glass in your shower enclosure (and if you have mirrored tiles it works on them too). The key here is to get all the liquid off afterward to avoid streaks so a microfiber cloth is a good investment. Again, if you opt for commercial cleaners, make sure they're non-abrasive. Give your shower cabin doors plenty of love: Doors aren't just glass panels, they have handles, hinges/rollers, and seals as well, plus they open and close. Handles are easily dealt with; your vinegar/water mix will keep them looking shiny. Hinges/rollers don't typically need to be cleaned, but you could take the opportunity to give them a touch of lubricant to keep them moving freely. The seals on the door, however, are places where dirt can easily accumulate, especially the one at the bottom of the door. Use a stiff brush to get it off. Keep an eye out for mildew: One of the huge benefits of shower cabins and compared to traditional shower enclosures is that they are practically immune to mildew and mold due to the absence of both tiling and shower curtains, which are the main places it usually takes hold. The only place mildew and mold could potentially attack a shower cabin is in the seams and you can avoid this by using proper sanitary silicone when you assemble the shower. If, however, you have used ordinary silicone to assemble the shower, there is a small possibility that you may get some slight mildew or mold. Ideally, you should take this as a sign that you should rebuild your shower using the right silicone, but realistically a simpler approach would be to apply that vinegar and water mixture using an old toothbrush and if that isn’t enough change to bleach and water and do the job again, very carefully and preferably wear gloves. Pamper your plumbing: If you live in a hard-water area then fitting a water softener to your shower can be a very good idea. Even if you don’t (or you have fitted a water softener), taking care of your shower plumbing is still a good idea and it’s so easy, there’s really no reason not to. As your first line of defense, put a protector over your drainage hole to trap hairs and such like. Then pour some baking soda down the hole every time you clean your shower if you like add some vinegar or lemon juice. If you start to notice a blockage (the water draining away slowly), then an old trick is to grind up some eggshells and put them down. They are gentle scourers and will often do the trick cheaply and naturally. If all else fails, then look for a good chemical cleaner. Read More: 1. Mirror Decorating Ideas To Style Your Bathroom. 2. Home Hacks: Stuff You Can Clean in One Hour or Less.

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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How To Invest In Yourself For A Stress-Free Daily Life

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

Financial help from your local council

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Share this Article

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 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

Related