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


31 December 2020


pay for care

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

Financial help

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

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.

Read Also:

I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

View all posts

Leave a Reply

Your email address will not be published. Required fields are marked *


Christmas Gift Ideas

Best Christmas Gift Ideas for 2020

Christmas is about four to five months away, and you must be wondering why we should be talking about gifts now in the first place. Well, time is flying, and in no time malls and stores will start displaying a wide array of Christmas sales. Also, the best time to do Christmas shopping is not when the season is here. This way, you will avoid chaos, high prices, shortage, and the last-minute rush.If you are looking for gifts, you do not just pick anything. You want something memorable for your friends and loved ones. As you are planning to buy Christmas gift hampers, here are items you should consider. Here are the best Christmas Gift Ideas for 2020: 1. A cookbookA cookbook for a Christmas gift would be perfect. Remember that this the time that friends and family come together to share meals, drinks, and even laughter. New recipes at this point would be great. No one wants to eat the same monotonous meals the entire year.New recipes are welcome, and it will be a uniting and fun experience trying out all the new recipes together. 2. Personalized shot glassesThe spirit of sharing mostly manifests during Christmas. This is the time where friends and families leave their workplaces in different states and come home to be with their loved ones. This is the time when friends abandon their busy lives and come together to relax and make merry. Do you know what else is consistent during this season? Sharing drinks.A set of personalized shot glasses would, therefore, make an ideal gift. This gift idea would be perfect for your friends that love to take whiskey or your dad, who would enjoy drinking out of them with his friends or brothers in the middle of a bonfire. 3. A good bottle of wine and quality whiskeyA lot of eating and drinking characterizes the Christmas season. Therefore, you would expect to come across a glass of wine or whiskey when you visit friends and family. This gift idea is always appreciated, and the best part is that it is affordable.You do not need to know the whiskey or wine the recipient loves the most. More so, you do not even need to ask them directly if you are planning a surprise. Once you go to the liquor store, you can talk to an attendant, and he or she will help you locate a quality drink. All you need to do is tell them your budget, and they will suggest the perfect bottle for a gift.Generally, there is no bad gift for Christmas. Provided it is presented with love, it will definitely be received warmly. Food, clothes, customized kitchen items, books, music systems, or anything else you can think of will be great. Ensure that you get your gift early enough to avoid the last-minute rush, and to allow yourself enough time to plan for other activities. Do not forget to package your gift perfectly: it instantly increases the value of the gift.Read Also:Unique Christmas Gifting Ideas- Gifts For Everyone 7 Interesting Gifts for Your Best Friends 5 Exciting Father’s Day Gifts For The Tech-Obsessed Dad Adorable Gift Ideas to Create Some Memories on Mother’s Day

Less waste

Less waste – Something You can Do for the World

Any ideas for a new year’s resolution in 2019? Here is one – first look back to 2018 (or any year before) and try to count all the times you had to take out the trash. Impossible? That can be so because we tend to produce an enormous amount of waste. According to EPA research, one person in the United States produces up to 2,000 pounds of trash a year, less than half of which can be recycled. There are, on the other hand, people proud of producing only one jar of waste in a year. Can it be possible for an average person? Here are some tips to produce less waste and therefore care more for mother earth. How much do I really waste? The first thing to do is a little reflection on your life. However disgusting it may sound you should look through your trash and see which items are the majority of your waste. Maybe paper cups? Plastic forks? Paper tissues? By doing so you’ll immediately see, what to focus on and what kind of waste should you limit the most. Little swaps: It can seem harsh to immediately switch your lifestyle to zero waste, but in reality, you don’t need to do everything at once. Little swaps in your daily life can already be meaningful and help the environment. This can be a bamboo toothbrush instead of the plastic ones, a bag made of paper instead of the plastic ones, stainless steel Tupperware instead of – guess what? – plastic ones. So, in general, avoiding plastic is not that difficult if you make little changes. Avoid packaging: The best thing would be to use no plastic packages at all, but that can be hard. So just do your best to limit it as much as possible. Try to buy your fruits and vegetables at a local market instead of the supermarket and don’t forget to bring your own bag. Some markets offer food sold in loose weight, so you can buy them in your own containers, like Tupperware or mason jars. Also, if you buy a piece of clothing, maybe it’s not always necessary to take it in a plastic bag with the logo of the shop? Go for sustainability: In addition to what was written above, you should consider choosing sustainable products. The biggest amount of waste comes from disposable items that are thrown away after one use. Things like a reusable water bottle to avoid buying plastic bottles every day, bamboo cutlery that you carry around to use for your takeaways, or a tote bag for your groceries can make a big impact and help you produce less waste. There are a lot of things that can be changed to sustainable options – from paper tissues and menstrual pads to straws and cutlery. You can also get sustainable homeware made of natural and recycled materials as an alternative to regular homeware. Of course, it can take a bit more effort at the beginning, to carry your own cup of bottle everywhere, but the earth will be a little lighter. Try second hand! Many of the trash that is being thrown away, could be reused. Maybe some plastic containers of butter or hummus that you already ate, could be reused as Tupperware? Or maybe an empty shampoo bottle could serve as a DIY hand soap container? Also consider buying second-hand items like furniture, clothes or other things. You don’t always have to have a brand new thing, right? Do it yourself! In our society, it can be hard to avoid plastic packed things. A solution to that would be to do those things yourself. Online you can find many recipes for great cookies (to avoid buying them packed in plastic bags), cosmetics (many of them are sold in plastic bottles that are hard to reuse or recycle), or liquid cleaners for your home. Again, it takes some time and effort to do everything yourself, but it’s also rewarding, when you discover, that you don’t need to buy this stuff anymore, cause you can do it on your own. Change your lifestyle and save money! It’s not possible to change your waste without changing your lifestyle. But it doesn’t have to be that difficult, many of the changes have other advantages than only helping the planet. For example, when you switch from disposable menstrual pads to a menstrual cup, you save a lot of money every month. Also, when you switch to e-cigarettes instead of smoking regular ones (and throwing away all the butts and the packages), you don’t produce so much pollution. Vaping can be also profitable for your budget if you look for some good vape deals. In general, if the whole thing about protecting the environment doesn’t convince you enough, think of your own wallet and changes that less-waste-lifestyle will cause. Start small: Summing up, there are a lot of things you can do to lower the amount of waste you produce. Our advice is – don’t try to do everything at once, as it can be overwhelming. Start small, change one thing at a time and see how you feel about it. Soon you’ll be ready to go completely zero-waste!Read Also:Easy Ways To Live A Healthier Lifestyle When Someone You Love Has An Addiction: 5 Tips On How To Help An Addict

horse riding

Horse Riding As a Hobby

Horse riding can be categorized as a sport or hobby. However you view it, it is an activity that is loved by people who enjoy it as a hobby. For most of them, setting out on a horse-riding session is the perfect combination of deep relaxation, exhilaration, and adventure. During a horse ride, you choose your pace – whether you want a full out gallop or a sedate trot.Engaging in horse riding gives you the feeling of freedom and a sense of control as well. Establishing a relationship with your horse is essential since horses have different personalities. From a horse’s back, you are in a perfect position to soak in the beauty of your natural environment. You can pause and have a view of the beautiful valley or mountain in your area.Riding alone may be a philosophical experience, but riding along a friend is all fun, for you and the horse. Horses like to have company and will often challenge for the front position. This leaves you and your friend with one option – hold on and let the horses lead your way. Even as you do this as a hobby, there are several benefits of horse riding you accrue. Benefits Of Horse Riding Physical Benefits Horse riding is a physically demanding activity that can help you maintain fitness. It also helps develop balance as well as improving coordination. Through its physical nature, horse riding increases joint mobility, strengthens muscles, and boosts blood circulation. Additionally, it enhances sensory integration as well as the visual perception of the surroundings, and also prevents cramping of muscles.  This is an important reason why you need to select a horse saddle that is comfortable and allows for adequate circulation.Horse riding helps stimulate internal body organs similar to other exercises like walking and jogging. This facilitates the proper functioning of the liver and the digestion process. It is also instrumental in burning calories. Increasing the speed and duration of your ride will increase the intensity of the activity, helping you burn more calories. Mental Benefits Horse riding plays a huge role in the development of positive traits among riders. As a horse rider, you must first learn how to take care of the animal. That teaches you responsibility to look after your horse, even when it falls ill. Learning how to ride may also be challenging since it requires discipline, patience, self-control, and dedication, which helps a rider to grow mentally. People who live their lives horse-riding are constantly learning, which helps keep their brain young and active. Through constant exercising of the brain, horse riding can prevent memory loss. Emotional Growth As mentioned earlier, horses develop relationships with their owners and their surroundings too. Many people find solace when riding on their horses and although it can present its challenges, there is always a moment of relaxation and unwinding. Horse riding also develops a bond between people who like to ride together. For people who crave solitude, horse riding can also be a perfect activity to indulge.Horse riding is an exciting and beneficial hobby to riders. Apart from enjoying fulfilling rides on your horse, you also profit from the various benefits that come with horse riding, including physical, emotional, and mental benefits.Read Also:The Importance Of The Domestication Of Horses How To Train Your Kids For Horseback Riding