• World Health Day 2022

    World Health Day 2022

    This article was published on 31 Mar 2022. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    World Health Day is an awareness day organised by the World Health Organisation. This year they have chosen the campaign ‘Our planet, our health’ For more details click here.

    World Health Day is celebrated annually, and each year draws attention to a specific health topic of concern to people all over the world.

    It is an ideal time to think about your own health and of those close to you.

    Your overall wellbeing is fundamental to how fulfilled you feel and comprises of all aspects of life, including, financial, social, emotional, and physical wellbeing. Positive wellbeing improves your resilience and will help you overcome difficulties and life’s challenges.

    Physical Health

    Research shows that being sedentary is bad for your health, so ensure you keep active. Exercise helps both your physical and mental health, so it’s important to stay active.

    A few hours of gentle exercise a week will release endorphins that make you feel energised. This could be as simple as a walk, a run, a cycle ride, dancing or even some gardening. In simple terms exercising makes you feel good.

    For more details on looking after your physical health read our physical health guide here and our wellbeing guide here.

    Sleep

    When you’re well rested, you think more clearly, feel better, and have more stamina and energy. But many people don’t get the 7-9 hours of sleep that doctors recommend. Lack of sleep, even for a few days, can leave you feeling irritable, frustrated, and forgetful. Regular poor sleep can put you at risk of serious medical conditions, including obesity, heart disease and diabetes and it may shorten your life expectancy.

    We spend about a third of our lives asleep. Sleep is essential, it is as important to our bodies as eating, drinking, and breathing, and is vital for maintaining good mental and physical health. Sleeping helps us to recover from mental as well as physical exertion.

    For more details, read our sleep guide here

    Stress Awareness

    We all know what it’s like to feel stressed, being under pressure is a normal part of life. But becoming overwhelmed by stress can lead to mental and physical health problems or make existing problems worse.

    It’s important to put measures in place to reduce any stress you are feeling and to take a moment to think about your own wellbeing and find out more on how to manage stress. For more details, read our stress awareness guide here.

    Dealing with change is hard for everyone and can be extremely stressful, for more information on handling change and improving your resilience read our guide here.

    Nutrition

    Being overweight can cause various health concerns and according to Cancer Research UK, overweight and obesity is the 2nd biggest cause of cancer. Keeping a healthy weight reduces the risk of 13 different types of cancer. Diabetes and heart disease are also other conditions that you have a higher chance of developing if you are obese.

    It is therefore important to ensure you are eating a balanced diet. For more details, read our nutrition guide here.

    Mental Health

    It’s important that you take care of your mind as well as your body.

    Evidence suggests there are 5 steps you can take to improve your mental health and wellbeing. Trying these things could help you feel more positive and able to get the most out of life.

    1. Connect with other people – Good relationships are important for your mental wellbeing. This may be more difficult at the moment, but still try to connect with others by video call or on a social distanced walk.
    2. Be active – this is great for both your physical and mental wellbeing.
    3. Take notice – paying more attention to the present can improve your mental wellbeing. Click here to try mindfulness.
    4. Learn new skills – continued learning though life enhances self-esteem and encourages social interactions and a more active lifestyle.
    5. Give to others – research suggests that acts of giving and kindness and being part of community life can improve your mental wellbeing.

    For more details on the 5 steps to wellbeing click here.

    It’s as important to look after your mental health as it is your physical health. For more details, read our mental health guide here.

    Don’t be afraid to ask for help if your mental health is starting to deteriorate or you’re struggling to cope.

    Financial health

    Money worries are not just a financial problem they can cause relationships problems, people to lose homes and families to break down. People from all walks of life can end up in debt for many different reasons, like divorce, redundancy, ill health, or bereavement.  It’s not always easy to talk about money worries but if you’re struggling financially, it’s important to take action.

    For more details, read our debt awareness guide here.

    Financial problems is one of the biggest worries that can negatively affect your mental health. According to the Police Federation’s annual Pay & Morale survey results published in November 2020 just under a third of respondents said that their household was worse off financially now than before the COVID-19 crisis.

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems.

    It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution. 

    We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt. 

    Get free and confidential help to combat your debt, call PayPlan* on 0800 197 8433.

    *PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

  • Debt Awareness Week

    Debt Awareness Week

    This article was published on 25 Feb 2022. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Money worries are not just a financial problem they can cause relationships problems, people to lose homes and families to break down. People from all walks of life can end up in debt for many different reasons, divorce, redundancy, ill health, bereavement. It’s not always easy to talk about money worries but if you’re struggling financially, it’s important to take action and this debt awareness week is an ideal time to do this.

    Debt awareness week was first launched in 2014 by the debt advice charity StepChange. If you’re worrying about money, there are things that you can do to get your finances back on track.

    For help on how to spend less click here to read our guide.

    Below are some tips on how to improve your financial wellbeing: 

    • Take stock – where do you owe money and what are the interest rates.
    • Work out your budget – what money do you have coming in, what do you need to pay for and what’s left for paying off debt. Use our budget calculator here to help you manage your money. Set yourself a daily spend limit based on how much disposable cash you have each month.
    • If you’re looking to make savings – check that you’re not overpaying for your bills and utilities, where can you make savings, for more information use the link here.
    • Set up a separate bill account – transfer an amount each month to cover the cost of all your household bills. This will give you greater control over your finances and you ensure you do not make late payments.
    • Set yourself saving goals – saving regularly could provide you with a financial buffer for any unexpected bills or be used to save for short term purchases or long-term aspirations.
    • Check your bank balance – regularly, so there are no nasty surprises.
    • Review your mortgage – to see if you can reduce your monthly outgoings, check with your provider or an independent mortgage advisor.
    • Review your insurance – Why not see if you could save money by changing your home or car insurance provider.
    • Check your credit score – using one of the various companies available online including ExperianEquifax, or TransUnion. For more details on the impact of your credit profile click here to read our guide.

    Understanding your debts and how much you’re paying back is important. No debt problems are unsolvable and the earlier you deal with them the easier they are to deal with.

    Be aware of how you spend your money

    Stick to the golden rule of borrowing: don’t go into debt for something that will last for less

    time than the amount borrowed takes to pay back.

    Impact of debt on your mental health

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances. According to the Money and Health Policy Institute report ‘a silent killer’ problem debt can also be linked to suicide.

    According to the Police Federation’s annual Pay & Morale survey results published in November 2020 around a third of respondents worried about the state of their personal finances either every day or almost every day.

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems.

    It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    Do I have a debt problem?

    ✔ I find myself using my credit card for essential purchases, like food and bills and the card balance is not cleared at the end of the month

    ✔ I’m constantly worried about managing my money

    ✔ I’m behind on my mortgage and can’t catch back up

    ✔ I am struggling to manage even the minimum payments on my credit card

    ✔ I’m being contacted about unpaid bills or missed payments

    ✔ I’m relying on quick fix short-term loans

    ✔ I’m borrowing from friends or family

    Getting help 

    If you would like to talk to someone about debt, the following organisations are there for you:

    We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan* on 0800 197 8433.

    If you don’t want to talk on the phone, it is also possible to email them.

    StepChange is a debt advice charity providing full debt help service across the UK. Online support is also available.

    Citizens Advice provide a full debt and consumer advice service, many bureaux have specialist caseworks to deal with any type of debt.

    National Debtline is a charity that provides free and independent debt advice. It also has resources to help people deal with their debts. Advice is available over the phone, online and via webchat.

    *PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263

  • World Cancer Day

    World Cancer Day

    This article was published on 27 Jan 2022. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    World Cancer Day on 4 February, is a day that unites people, communities, and entire countries to raise awareness and take action.

    World Cancer Day is led by the UICC, the Union for International Cancer Control. It is one singular initiative under which the entire world can unite together in the fights against the global cancer epidemic.

    Being diagnosed with cancer is likely to cause lots of worries and fears not just for yourself but also, for your loved ones. It’s scary, and you may be having all sorts of thoughts, including which treatment will I need, will I die, how will I look after my family, will I be able to work, how will I pay the bills, or you may just feel dumb and not be able to think of anything.  Everyone is different. You may feel out of control and experiencing high levels of pain.

    When going through cancer treatment, it’s not just your body which is affected; it will also put a strain on your mental health. Having lengthy and intensive treatment can dominate your own and your families lives.

    Worrying about the future, having to attend many hospital appointments, and maybe undergoing operations, not knowing how you’re going to feel each day, and even telling people that you’re going through treatment, can make some people very anxious. According to Macmillan Cancer Support. 20% of people living with cancer are affected by depression, and 10% are affected by anxiety.

    Feeling anxious is an understandable response to the trauma you’re going through. The symptoms of which vary and may include an accelerated heart rate, trembling, nausea, muscle tension, inability to relax and insomnia.

    When it comes to recovery, thinking about your mental health is as important as getting well physically.  So, don’t ignore your worries and make time to talk them through. Ensure you have a good support network of loved ones around you, as this is beneficial to your overall mood and progress. It’s also important to seek support from your GP or healthcare professional if you need it. Some cancer survivors develop PTSD, which will require specialist treatment.

    Having cancer can be very hard to cope with. When you are trying to cope with an illness there is no right or wrong way to feel. Everyone is different and you will deal with things in your own way. Cancer Research UK have produced information here on how to cope emotionally with your illness.

    Dealing with a cancer diagnosis can be tough at the best of times, but even more so in the current climate.

    Self-care

    Your recovery is about you, so you should make yourself the priority. Keeping up a good, but gentle health regime will help. Making sure you’re getting the right nutrition, getting a good night’s sleep, and doing the things you enjoy in between treatment sessions is vital and can really make a difference.

    You may struggle to do exercise but getting outside in nature and going for a short walk each day, can help reduce your anxiety levels and boost your mood. 

    Feeling sick and tired after treatments is very common, so it can be hard to maintain a varied diet.  Foods like soups, or easy to eat and digest foods like bananas are a good option. It’s vital to keep your body hydrated with water, which may help combat any feelings of nausea or fatigue. 

    Where you can it’s important to live as normal life as you can whilst going through treatment.

    Of course, cancer recovery is not necessarily straightforward. There will be dark, painful, and sad days, but worst of all, there will be scary days. The main thing to remember is to use the support available to help get you through, and to make yourself the priority.

    For more information on managing cancer symptoms and possible side effects from treatment, including pain, sickness, and diet problems. Cancer Research UK have produced a ‘Coping Physically with Cancer’ guide, click here to read.
                                                                                                        

    Supporting a loved one with cancer

    When someone close to you is diagnosed with cancer it may feel overwhelming and you may struggle to know how you can help and support them. Explain this to them and ask them how you can best support them.

    Regularly reach out to them, send them text messages, give them a call, meet them for a coffee or dinner. Remember even though they are going through treatment, they are still the same person. 

    If you are a close family member and can be physically present to support them, offer lifts to appointments or even to attend appointments together if allowed. Offer to sit in on telephone appointments or help them to organise their treatment schedule.

    If you have the time to offer practical support, this is still possible during the pandemic. For example, offer to do the food shopping, the ironing or walk the dog.

    While someone suffering from a long-term illness may not want to be overcome with bunches of flowers, there are lots of other gifts you can send that may help to brighten their day or give them the boost they need. These could be items to help them sleep like pillow sprays, body creams or nutritious food items or a nice treat, like chocolate.

    If you are part of a wider family or group of friends, it may be worth arranging who will do what, so as not to overload your loved one but to ensure they receive regular contact from you all.

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  • Children’s Mental Health Week

    Children’s Mental Health Week

    This article was published on 27 Jan 2022. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Children’s mental health week is run through Place2Be, a children’s mental health charity that provides counselling, support, and training in UK schools.

    The first Children’s mental health week was held in 2015 and was set up to highlight the importance of children and young people’s mental health.

    This year’s theme is Growing Together and will be running during 7 to 13 February. This week is about growing emotionally and finding ways to help each other’s grow. For more details of Children’s mental health week, click here.

    According to Place2Be around one in six children and young people have a diagnosable mental health problem, which may continue into adulthood. 50% of adults with lifetime mental health problems first experienced symptoms by the age of 14.

    Like adults, the emotional wellbeing of children and young people is just as important as their physical health.  Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    Growing up is not easy, and sometimes it’s hard for children to cope with what is going on in their life.

    Most children grow up mentally healthy, but surveys suggest that more children and young people have problems with their mental health today than 30 years ago. It’s suspected that this is probably because of changes in the way we live now and how that affects the experience of growing up.

    Some of the mental health problems that can affect children and young people are:

    Depression is more common in teenagers than younger children but affects more young people today than it did a few decades ago.

    Self-harm is where somebody intentionally damages or injures themselves. It is a common problem amongst young people.

    Anxiety can be triggered when changes happen in children’s lives, for example, changing schools. If anxious thoughts affect a child’s everyday thoughts and behaviour, they may need professional help.

    Eating disorders is when you have an unhealthy attitude to food, types include anorexia nervosa or bulimia nervosa. The condition is most common in young women aged between 13 and 17.

    Attention deficit hyperactivity disorder (ADHD) is a condition that affects your behaviour and those with it tend to be restless and struggle to concentrate.

    Post-traumatic stress disorder (PTSD) is a disorder caused by an extremely frightening or stressful event or situation, for example, physical abuse, witnessing or being the victim of violence or extreme bullying.


    Things that can help keep children and young people to stay mentally well include:

    • being in good physical health, eating a balanced diet and getting regular exercise
    • having time and the freedom to play, indoors and outdoors
    • being part of a family that gets along well most of the time
    • going to a school that looks after the wellbeing of all its pupils
    • taking part in local activities for young people
    • feeling loved, trusted, understood, valued and safe
    • being able to enjoy themselves
    • being able to learn and having opportunities to succeed
    • accepting who they are and recognising what they are good at
    • having a sense of belonging in their family, school, and community
    • feeling they have some control over their own life
    • having the strength to cope when something goes wrong and the ability to solve problems

    How to help your child

    As a parent you can help your child by having an open relationship, which encourages your child to talk to you if they are troubled.  Listening and taking their feelings seriously is the most important way you can help. They may just want you to listen or to have a hug, or they may want more practical help.

    If you child’s negative feelings don’t pass over time, you may want to consider obtaining some professional help, initially talk to you GP and see what they suggest.

    It’s also a good idea to talk to your child’s teacher at school, to establish if how they are feeling is affecting their schoolwork or friendships. They may have a school counsellor that your child can talk to. Different professionals often work together in Child and Adolescent Mental Health Services (CAMHS) run through the NHS.

    During the pandemic children and young people may need more emotional support. 

    It’s important to minimize the negative impact the pandemic is having on your children. You can do this by explaining the facts to them, answering their questions truthfully and being there to support them.

    Like adults, children will respond to the current situations differently, they may be more clingy, anxious, withdrawn, angry or agitated. Remember to listen to your children and re-assure them.  Keep routines where possible or create new ones, building in time for learning, play and relaxation. The best way to communicate to your children is by talking about worrying news with open, confident, clear, and truthful facts.

    Here are some helpful tips:

    News – the important thing about seeing or hearing the news is balance. Don’t force children news or shield them from. Discourage overexposure, small doses of real-life news are helpful, whereas large doses may have a negative impact on children.

    Questions – answer you children’s questions truthfully and let them know the facts about the situation. It is common for children to have misunderstandings about traumatic events so encourage them to ask lots of questions, so you can correct any confusion. If you don’t know the answer to a question they ask you, explain you don’t know and then find out the answer and let them know.

    Support – make sure you are there to support your children and let them know they are safe and loved.

    Worry – let them know that it is normal to be concerned. Let them know that bad things can happen, but they don’t happen very often, so they do not need to be scared.

    Time – ensure you find the right time to talk about what is worrying your child. If your child starts asking questions at an inconvenient time explain to them that you would like to talk to them about it later and invite them to remind you, so they know you really are interested.

    Repetition – remember that children tend to repeat themselves when they are feeling uncertain or worried. They may need to ask the same question a number of times until they are feeling more reassured.

    Truthful – be as truthful as possible. It can be tempting, when children ask a direct or tricky question, to avoid it by bending the truth. This can be unhelpful when they are talking to others about what happened. It is often more helpful to be as honest as possible.

    Age appropriate – tailor the conversation to their age. All children have different temperaments and sensitivities. Their ability to understand the world, take in and react to bad news will depend on their age.


    If you have more than one child, you might want to talk about the news with them individually and tailor what you say to their needs and level.

    At the end of each day talk about the things in the day that you have been grateful for, it will very quickly become a habit and help children to find the positive, no matter how small, in even the worst of days.

  • Time to Talk Day

    Time to Talk Day

    This article was published on 27 Jan 2022. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Time to Talk Day is on 3 February. It’s run by Mind and Rethink Mental Illness, in partnership with the Co-op.

    The day is about creating supportive communities by having conversations with family, friends, or colleagues about mental health. We all have mental health. By talking about it, we can support ourselves and others.

    The more conversations we have about mental health the more barriers we can break down and the closer we’ll come to ending mental health stigma and discrimination.

    Mental health problems affect one in four of us, yet many people can feel isolated, ashamed, and worthless because of this.

    Time to Talk Day encourages everyone to be more open about mental health, to talk, to listen, to improve lives. Every conversation brings us a step closer to ending the feelings that too many of us experience.  Poor mental health can affect anyone, of any age, gender, or background.

    Starting a conversation with someone around their or your own mental health can feel uncomfortable. You may be worried that you will say the wrong thing but remember saying nothing is far worse. You may have concerns about how others are coping with the current situation.

    Here are some tips on helping others:

    • Ask others how they are feeling.
    • Ask someone twice how they are feeling, this will give them the opportunity to be honest and to realise that you genuinely want to know.
    • Listen and don’t judge, it’s great that people are happy to talk to you about how they are feeling, so ensure you really listen to them.
    • Ask how long they have felt this way.
    • Ask if there is anything you can do to help.
    • Ask what support they need. Provide them with details of professional organisation’s, who may be able to help.
    • Treat them in the same way, don’t change the way you act towards someone once you are aware of their poor mental health.
    • Little gestures can have a big impact, this maybe just having a virtual cuppa or watching a film together.

    Like adults, the emotional wellbeing of children and young people is just as important as their physical health. Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    Like adults, children will respond to situations in different ways, such as being more clingy, anxious, withdrawn, or angry. Try to respond to your child’s reactions in a supportive way, listen to their concerns and give them extra care and attention. Remember to listen to your children and re-assure them.

    For more details on supporting your children’s mental health click here.


    Time to Talk Day isn’t just about helping others, it’s also about thinking about your own wellbeing.

    According to the Police Federation, research has shown that emergency services workers are twice as likely as the public to identify problems at work as the main cause of their mental health problems, but they are also significantly less likely to seek help. So, during the pandemic it’s even more important to look after your own mental health when working on the frontline.

    Here are some tips:

    Think about your purpose: be clear about why you are doing this job.

    Be clear on expectations: make sure you know what is expected of you and whether it is realistic.

    Keep your boundaries: establish clear boundaries between work and personal life, don’t take work home with you.

    Talk to colleagues: make time to talk to your colleagues about your experiences and share fears and concerns.

    Value your own family and relationships: while work is important, your family and

    relationships need to be valued.

    Keep active: regular exercise can boost your self-esteem, can help you concentrate, relax, and increase your overall wellbeing. This can be as simple as a regular walk, being outside in nature can also help improve your mental health.

    Get plenty of sleep: sleep helps regulate the chemicals in our brain that transmit information. These chemicals are important in managing our moods and emotions and an imbalance in those chemicals can result in us becoming depressed or anxious. Read our sleep guide here.

    Eat well: A balanced diet that is good for your physical wellbeing is also good for your mental wellbeing. Your brain needs a mix of nutrients to stay healthy and function well.

    Avoid alcohol: The numbing effects of drinking are only temporary and can often lead

    to mental health issues. Alcohol can also damage the immune system. Try to adopt positive

    coping strategies such as talking, going for a walk, or listening to music instead. If you do drink, try to stay within the recommended unit guidelines.

    Keep in touch: it’s good for you to catch up with friends and family.

    Take a break: a change of scenery or pace is good for you. Make sure you take time to relax and re-charge.

    Do something you’re good at: doing something you enjoy, and you are good at can give you the ‘feel good’ boost that everyone needs. Enjoying yourself can help beat stress.

    Care for others: supporting others uplifts you as well as them.

    Ask for help: sometimes you need help from others, so don’t be afraid to ask for help, from a family member or friend, your GP, or a professional organisation, see the list at the end of this guide for more details.

    Mental health conversations have the power to make a big difference, but sometimes these conversations can bring up some difficult things that people may not have spoken about before. This might mean that they need some support.

    Financial problems are one of the biggest worries that can negatively affect your mental health. According to the Police Federation’s annual Pay & Morale survey results published in November 2020 just under a third of respondents said that their household was worse off financially now than before the COVID-19 crisis.

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems. It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.  They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt. Get free and confidential help to combat your debt, call PayPlan* on 0800 197 8433

    *PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263

  • Blue Monday

    Blue Monday

    This article was published on 17 Jan 2022. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us


    Blue Monday is the name given to the third Monday of January every year. It is claimed to be the most depressing day of the year. The reason for this includes factors like the cold, wet weather, short daylight days, Christmas debt, the time elapsed since your last pay day, Christmas seems like a distant memory, you’ve already failed with your New Year’s resolutions and it feels like a long time until the summer. For most of us this means our motivational levels are low.

    January is the usually the month when you understand just how much Christmas has cost you. Every year, thousands of us dread the credit card bills arriving and this is when the financial hangover from Christmas become reality. This is to be expected, as Christmas is the most expensive time of the year, with many people using their credit cards and overdrafts to pay for the festivities. If this has affected you this year, read our talk money guide here to ensure this isn’t the case for you again in 2023.

    Many people don’t believe Blue Monday is real and that it’s just a Marketing plan to help sell more summer holidays, but we do know that during the winter months, with shorter, darker days we generally spend more time indoors, which can have a negative impact on our   mental health. Some people suffer from seasonal affective disorder (SAD) which can increase depression and anxiety. With January coming straight after the highlight of Christmas and also for many a month where the Christmas spending credit card bill has arrived, it’s not surprising that January tends to be the least favourite month of the year for

    many people. It is therefore vital that you make an effort to protect your wellbeing.

    Stress and anxiety can be caused by many things, not just financial worries, including not seeing family, friends and colleagues face to face, work deadlines, relationship problems and home life.

    Stress isn’t a mental health condition, but it can cause a mental health problem, like anxiety or depression or it can cause an existing one to get worse. Stress can also affect you physically, it can cause headaches, insomnia, tiredness or stomach problems. For more information on managing worries and stress read our guide here.


    Some ways you can combat Blue Monday:

    Sunlight

    Natural light helps stabilise serotonin and triggers endorphins, both mood-boosting hormones. Try to get outside as much as you can during the day to give your wellbeing a positive boost.

    Be sociable

    You can achieve this without spending lots of money. You could host game and movie nights for your friends, this could be virtual, regularly talk to your loved ones or go for a walk with a friend.

    Set achievable targets

    If you’re struggling to keep your New Year’s resolutions, re-set them now or set a new goal to achieve around Blue Monday.

    Be realistic

    Understand that you may feel low during January, the reasons why this is the case and that’s its ok to not be ok and it should pass. If it doesn’t or how you are feeling is more than just the January blues, then talk to someone and get some help.

    Exercise

    Walking, swimming and cycling will boost endorphins, and will leave you feeling calmer and happier.

    With money worries being one of the largest wellbeing challenges facing us during January, it’s important to start talking about money worries before your situation gets worse.

    Worrying about money can negatively affect your mental health and for those people experiencing mental health problems it makes it harder to manage their finances.

    The stress of dealing with financial pressures does not just affect your personal life. It can affect your work, family life, health, and relationships. It’s therefore important to talk about

    money worries.

    For more tips on how to spend less read our guide here.

    For more details on debt, read our debt awareness guide here.

    Where to get help:

  • Dry January 2022

    Dry January 2022

    This article was published on 23 Dec 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    As the New Year arrives, many of us start to think about New Year’s resolutions, the most popular resolutions are usually concerning health and diet, to do more exercise or lose weight. Financial orientated ones are also popular, with many of us wanting to send less or save more money.

    One of the most popular campaigns is Dry January and if you manage to achieve it, it should help improve your overall wellbeing by improving your physical and mental health and by reducing the amount you spend.

    Dry January is the annual movement where millions of people give up alcohol for the month of January. It is run by the charity alcohol change UK, a leading UK alcohol charity. The campaign was first introduced in 2013 and grows larger and larger each year. In 2019, over 4 million people took part in the wellbeing event.

    By agreeing to Dry January, you are committing to not drink alcohol from when you wake up on New Year’s Day until 1 February.

    Alcohol plays a significant role in our lives and culture, with many of us drinking to celebrate, socialise and relax. However, there is a significant proportion of the UK population who have an unhealthy relationship with alcohol. Alcohol is linked to more than 60 health conditions, including liver disease, high blood pressure, depression, and cancer.

    There are many health benefits of not drinking alcohol or reducing the amount you drink, and these include:

    Sleeping – alcohol can intensify certain sleep conditions like snoring. If you have improved quality of sleep, you will have more energy.

    Financial savings – put aside the amount you would have spent on alcohol each week and see how much you save during the month. If you continue to not drink or reduce the amount you are drinking over the rest of the year, this saving you make could buy you a treat or help to pay off any debts you have.

    Weight loss – a pint of a 5% strength beer contains 239 calories, with a standard glass of wine consisting of around 133 calories. So, giving up alcohol for 4 weeks or longer can make a noticeable impact on your weight.

    Mental health – regular alcohol consumption decreases the levels of the brain chemical serotonin – a key chemical in depression. By avoiding alcohol, your serotonin levels will increase and help regulate your mood.

    Improve your skin – alcohol can cause puffiness and acne. By cutting out alcohol your skin will improve over time. A month alcohol free has a lot of benefits, research published in 2018 in the British medical journal found that a month off lowers blood pressure, reduces diabetes risk, lowers cholesterol, and reduces levels of certain cancer related proteins in the blood.

    A month alcohol free has a lot of benefits, research published in 2018 in the British medical journal found that a month off lowers blood pressure, reduces diabetes risk, lowers cholesterol, and reduces levels of certain cancer related proteins in the blood. In order to track Dry January, use the alcohol change UK App


    Know your units – how much alcohol is too much?

    To keep health risks of alcohol at a low level, the recommended safety limits for alcohol consumption is for men and women not in drink more than 14 units a week on a regular basis.

    It’s also advised that at least 2 days a week should be alcohol free.

    Regularly drinking above recommended daily limits risks damaging your health.

    Your weekly units should not be saved up for the weekend and then binge drinking.

    Top tips for alcohol reduction:

    • Alternate an alcoholic drink with a non-alcoholic one.
    • Have at least two alcohol free days a week.
    • Find alternative ways to relax when you are stressed.
    • Avoid drinking on an empty stomach.
    • Sip your drink slowly so it lasts.
    • Don’t top up your glass before you have finished a drink so you can keep an eye on exactly how much you are drinking.

    To check how many units you have drunk, use the alcohol change UK’s unit calculator here.

    After the month you may consider giving up alcohol for longer or reducing the amount you drink to improve your wellbeing.

    If you do start drinking again remember that your tolerance to the effects of alcohol will

    likely be much lower, so be careful not to overdo it the first time you choose to drink again.


    Your New Year’s resolutions may include other lifestyle improvements instead of or as well as stopping or reducing drinking alcohol. These may include to eat healthier, increase the amount of exercise you do or to stop smoking.

  • Grief Awareness Week

    Grief Awareness Week

    This article was published on 25 Nov 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Grief Awareness Week is run by the Good Grief Trust Organisation.  The aim of the week is to raise awareness of the impact of grief and to break the taboo around talking about grief. 

    Signs and symptoms of grief

    There is not a correct way to feel when you are grieving.  Bereavement, grief and loss will cause different symptoms and they affect people in different ways. Some of the most common symptoms include:

    – Shock and numbness

    – Overwhelming sadness

    – Tiredness or exhaustion

    – Anger – towards the person you’ve lost or the reason for your loss

    – Guilt – this could be due to many things, including not being with the person when they died, not saying something to them, or not being able to stop your loved one dying.

    These feelings may not be there all the time and powerful feelings may appear unexpectedly.

    For more details click here.

    Looking after yourself following a bereavement

    • Take care of your wellbeing: make sure you get enough sleep, eat regular meals, rest and relax.
    • Be clear on expectations: make sure you know what is expected of you and whether it is realistic.
    • Take exercise: taking exercise, e.g. walking, running and cycling can help you relax and increase wellbeing.
    • Talk to others: make time to talk to your family and friends about how you’re feeling, or if you would find it easier contact Cruse 0808 808 1677.

    Explain to family and friends what they can do to help, don’t be afraid to ask for practical support.

    Try to keep to a regular routine of getting up and dressed and eating meals at the usual time, whether you are on your own or part of a family group. The structure will help, even if only a little.

    You may find you have days when you have more energy, and the grief isn’t as consuming – this is normal. Some people can feel guilty when this happens, but there is no need. It is all a normal part of grieving. Equally if you are really struggling that is also normal. Please don’t feel guilty or angry with yourself.

    What to say when someone is grieving

    It is normal to feel worried about saying the wrong thing to the bereaved, but it is more important that you say something than finding the perfect words. You may find the tips below useful:

    • It is important to acknowledge their loss and offer your condolences, saying how sorry you are that their friend or family member has died.
    • The bereaved may want to talk about the person and tell you stories, they may cry through these stories. You may find this really hard to hear but just being there and listening can be a great comfort. You can’t fix their pain but you can listen.
    • Don’t be afraid to ask more about the person who has died. Allowing the bereaved person to talk and share their feelings with you can make a real difference.
    • Ask if there is anything practical that you can do to help at that time.
    • You could also signpost the bereaved to services such as Cruse for them to access support.

    Helping children to cope with death

    Children and young people need to be given the opportunity to grieve as any adult would. But it is also important to remember that children and young people grieve in different ways. A child’s understanding of death and the nature of their bereavement will be different at different stages of development. Children will experience both physical and emotional reactions to death. Emotional reactions may include shock, denial, anger, depression, guilt. Physical reactions may include disturbed sleep, loss of appetite, challenging behaviour, and developmental delays.

    Useful links:

    NHS Children and Bereavement

    Children Bereavement UK Resources for children and young people

    Cruse Bereavement Care Helping children to cope with death – how to help a child or young child

    Some key points to remember concerning children, young people, and grief:

    • No bereaved child or young person will respond to the death of someone close in the same way.
    • Keep the structure of the bereaved child or young person’s day/night as routine as possible.
    • Allow the bereaved child or young person to say how they feel and do not be offended if they are angry with you or do not want to talk.
    • Give the bereaved child or young person the time to explore their grief and support them as they mourn.
    • Do not feel that you have failed if you need to seek professional help for the bereaved child or young person. You are doing the right thing.
    • Put in place appropriate boundaries if a grieving child or young person is hurting themselves or others and explain why such boundaries are necessary.
    • Do not dismiss a bereaved child or young person’s real or perceived illness.
    • Talk things through with them in an open and honest way, remembering to listen to the child or young person.

    What to do when someone dies

    Working out what to do first when someone dies can seem overwhelming. Besides letting family and friends know, there are several organisations you need to notify when a person has passed away. As well as arranging the funeral and dealing with the financial affairs of someone who has died.

    Useful links:

    Everyone responds to death differently there is no right or wrong way to respond. If you have experienced the loss of a loved one you may need to access professional support. Similarly, if you are supporting someone who has been bereaved you may need support for yourself, especially at this present time when there is so much in the news about death and dying and many of us are feeling anxious. You can access support from the services below:

    Where to get help:

    NHS

    Cruse Bereavement Care

    Dealing with Bereavement and Grief. Call the free helpline on 0808 808 1677 or email: helpline@cruse.org.uk

    British Psychological Society

    Coping with Bereavement

    Police Mutual Services

    Our Care Line Service provided by Health Assured can offer advice and information at the end of a phone, helping with a range of concerns including coping with a bereavement.  Take a look at the e-portal or download the APP.

    Health & Wellbeing e-portal

    https://healthassuredeap.co.uk

    Username: policemutual

    Password: careline

  • International Stress Awareness Week

    International Stress Awareness Week

    This article was published on 01 Nov 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    International Stress Awareness Week was created in 2018 to raise awareness about stress prevention.  This year marks 23 years since the establishment of Stress Awareness Day, which is held on the first Wednesday in November each year and has been since 1998.

    We all know what it’s like to feel stressed – being under pressure is a normal part of life. But becoming overwhelmed by stress can lead to mental and physical health problems or make existing problems worse.

    Many people are more stressed now than ever, for some this is due to the worry of the pandemic, for others its due to the increased cost of goods and services and for others its due to the worry of leaving the safety of their home with restrictions now being eased.

    Feeling stressed and worried is perfectly understandable as we are living through a time that we have never faced before. We have little control about the uncertainty of the future, which raises concerns and challenges for many of us.

    The long-time stress and worry of this situation may be making you feel overwhelmed and it’s important to put measures in place to reduce the stress you are feeling.

    International Stress Awareness Week is a great opportunity to take a moment to think about your own wellbeing and find out more on how to manage stress.

    Stress isn’t a mental health condition, but it can cause a mental health problem, like anxiety or depression or it can cause an existing one to get worse.  Stress can also affect you physically, it can cause headaches, insomnia, tiredness or stomach problems.

    What you can do to help manage worries and stress

    There are various steps you can take to cope with being under pressure, remember, different things work for different people.

    • Write down your worries and concerns – this may help process your thoughts and emotions. You can then read the worries back and try to think of them from a different perspective.
    • Keep a daily routine – our overall wellbeing relies on our daily routines, these also help with sleeping & eating patterns. This is why it’s important to ensure you and your family have structure in your day.  The routine can be simple everyday things like, getting up, going to bed and eating at the same times each day, listening to music, going for a daily walk.  They can also include things to look forward to, like visiting a local attraction or café at the weekend. 
    • Identify your triggers and take control – working out what triggers your stress can help you anticipate when you may feel stressed and what you could do about it in advance.
    • Organise your time – making some adjustments to the way you organise your time can help you feel more in control and able to handle the pressure you are feeling.
    • Keep active – exercise can help clear your head and then let you deal with your problems more calmly. Go outside to exercise, as fresh air and spending time in nature can really help.
    • Stay healthy – as well as exercise it’s important to maintain a healthy diet and ensure you are getting enough sleep.
    • Talk to other people – friends, family & colleagues can help support you through the stress you are feeling, you may even have a laugh and start to relax. You may also want to consider talking to a professional counsellor.
    • Do something you enjoy – spending time doing something you enjoy will take your mind off how you are feeling. Everyone needs to take time for themselves, it can be as simple as having a bath or reading a book.
    • Avoid unhealthy ways to cope – many people use alcohol, smoking, chocolate and gambling to try and relieve the stress they are feeling, none of these things will help in the long term, use healthy coping strategies like going for a run, listening to music or walking the dog.
    • Challenge yourself – learning new skills and setting yourself new goals will help build your confidence and make you feel good about yourself.
    • Help others – think of others in your local community, who may need help with small tasks, like shopping or volunteer to help a worthwhile cause, like litter picking or the local food bank. People who help others tend to be more resilient.
    • Keep informed – whilst it’s important to keep up to date with the latest news, it can be overwhelming, so in order to manage any feelings of stress and anxiety consider only checking the news and social media once a day. Ensure you stick to trustworthy sources for the latest information.
    • Keep positive – it’s very easy to focus on the negatives of any situation. But it’s important to stay positive.  Think of all the things that are positive in your life and that you are grateful for, write down or say out loud 3 things that went well each day.  Use these positive statements to create a positivity jar with your family.
    • Try Mindfulness – mindfulness can help reduce stress, it can also give you the space to respond calmly under pressure. For more details click here.
    • Address some of the causes – where possible improve some of the issues that are putting pressure on you.
    • Accept the things you can’t change – it’s not easy but accepting that there are some things happening to you that you can’t do anything about will help you focus your time and energy elsewhere.

    Useful links:

  • Menopause

    Menopause

    This article was published on 30 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    The menopause is a natural stage of life that millions of women experience. It is marked by changes in hormones and the ending of menstruation. It can also bring many other physical and emotional changes. The good news is, you’re not alone. Millions of women go through the menopause and there is now great support available, along with a lot more knowledge and understanding about this.

    In the UK, the average age for a woman to reach the menopause is 51, but the menopause commonly happens any time between the ages of 42 and 56 as a woman’s oestrogen levels decline. But around 1 in 100 women experience the menopause before 40 years of age. This is known as premature menopause and may be caused by hormonal imbalances, chemotherapy, radiation or a hysterectomy.

    The menopause is a natural turning point in a woman’s life that marks the end of the menstrual cycle.

    Please note this guide is not intended to replace professional consultation. Please see your doctor for all medical concerns.

    Stages of the menopause

    The menopause usually happens over a few years and occurs in three stages:

    Peri-menopause. The ovaries gradually produce less oestrogen in the four to five years leading up to menopause. In the last two years of peri-menopause, oestrogen levels drop significantly. This is usually the stage where the most severe menopausal symptoms are experienced.

    Menopause. Twelve months after the last period marks the official stage of the menopause. At this point, the ovaries produce no progesterone, low levels of oestrogen and stop releasing eggs.

    Post-menopause. In the years after the menopause, symptoms like hot flushes usually ease while health risks caused by decreased oestrogen levels typically increase.

    Symptoms

    There are many possible symptoms of the menopause and each woman feels them differently but most women will experience some menopausal symptoms. The duration and severity of these symptoms varies from woman to woman. About 8 in every 10 women will have additional symptoms for some time before and after their periods stop. Some of these can be quite severe and can have a significant impact on everyday activities for some women.

    Common symptoms include:

    Physical changes:

    • Hot flushes
    • night sweats
    • Vaginal dryness
    • Insomnia
    • Bloating and weight gain
    • Heart palpitations
    • Headaches
    • Nausea and dizziness
    • Hair thinning & loss
    • Dry eyes
    • Itchy skin
    • Urinary tract infections
    • Breast pain
    • Fatigue
    • Joint stiffness, aches and pains

    Emotional Changes:

    • Low mood and Depression
    • Anxiety
    • Reduced libido
    • Poor concentration
    • Low self-esteem
    • Irritability
    • Forgetfulness
    • Panic attacks
    • Loss of control
    • In some rare cases – suicidal thoughts

    Menopausal symptoms can begin months or even years before your periods stop and last around 4 years after your last period, although some women experience them for much longer.

    Low levels of oestrogen are linked to a number of health problems common in older women. Postmenopausal women are more likely to suffer from:

    • osteoporosis
    • cardiac disease
    • bladder and bowel difficulties
    • vision problems
    • poor muscle power and tone

    When to see a GP

    It’s worth talking to a GP if you have menopausal symptoms that are troubling you or if you’re experiencing symptoms of the menopause before 45 years of age.

    They can usually confirm whether you’re menopausal based on your symptoms, but a blood test to measure your hormone levels may be carried out if you’re under 45.

    If you’re experiencing severe depression or anxiety, bleeding after menopause, or your symptoms are interfering with daily life, you should seek medical attention straight away.

    Your GP can offer treatments and suggest lifestyle changes if you have severe menopausal symptoms that interfere with your day-to-day life.

    These include:

    If your symptoms are giving you discomfort, your doctor may recommend hormone replacement therapy (HRT), which provides almost instant relief from many symptoms by replacing the hormones that you are losing.

    Different HRTs contain different levels of oestrogen and progesterone, obtained from different sources. Your doctor will recommend the best type for you. Some women are not suitable candidates for HRT. Your doctor will discuss this with you. Unsuitable candidates for HRT may include women with a personal or family history of breast cancer, or women with unexplained vaginal bleeding or active liver disease.

    Your GP may refer you to a menopause specialist if your symptoms do not improve after trying treatment or if you’re unable to take HRT.

    It’s crucial that you see your doctor regularly in the years leading up to and following menopause. Get regularly screened and checked to keep an eye on these conditions. Stopping smoking, reducing your blood pressure, regular exercise and a healthy diet will all help lower the risks for the concerns above.

    Self-care

    There are many ways to help relieve your symptoms yourself and make the transition as comfortable as possible. Here are some things you could try:

    Make some time for yourself: It’s extremely important that you look after your own wellbeing and this includes finding time for yourself.  This may be regularly meeting friends, doing exercise, yoga, meditation, going for a walk, having a bath or just sitting reading a book. 

    Hot Flushes:  Your hot flushes may be triggered by something, so try documenting what you’re doing when they start. It could be things like spicy food, alcohol, weather changes and hot beverages. Once you know the cause, you can try and avoid the trigger and reduce their effects.  Another tip is always to dress in layers, it’s then much easier to take off an item of clothing.  Confined spaces can increase hot flushes for some people, if this is the case for you, then try to avoid them.

    Sleep: You may be struggling to sleep, if this is the case try to avoid caffeine and instead exercise in the morning. Use relaxation techniques before going to bed and stick to a regular schedule. If hot flushes are disrupting your sleep, adjust the temperature in the room and always sleep with layers.

    Weight: It’s common to gain weight during the menopause. It’s thought that this may be due to hormonal changes, ageing or lifestyle. During the menopause your metabolism starts to slow down, which leads to weight gain unless you change your lifestyle.   Eating more healthily and exercising regularly will not only help you lose weight but it may also help you avoid heart disease and other health problems. Losing weight has also been found to help reduce hot flushes and night sweats.

    Exercise: Aim for at least 30 minutes of physical activity every day, this will help you feel good, improve your sleep and help you remain at a healthy weight, which is likely to increase during the menopause, as well as keeping your heart healthy and bones strong. Other forms of exercise like yoga have also been proven to help reduce hot flushes and help you to relax.

    Your diet: Ensure you are eating a healthy, balanced diet that’s low in saturated fats, sugars and oils and high in fruit, vegetables and whole grains. Make sure you’re getting enough calcium and vitamin D or take a supplement. Some women find that soya products (soya milk, tofu, etc.) and whole-grain foods bring relief. This may be due to the oestrogen-like effects of the phytoestrogens contained in these foods.

    Drink water: During menopause, women often experience dryness. This is likely caused by the decrease in oestrogen levels. Therefore, keeping hydrated is essential. Drinking at least 2 litres of water a day can help with these symptoms. Drinking water can also reduce the bloating that can occur with hormonal imbalance.

    Vitamins: It is commonly known that changes in hormones can cause bones to weaken, increasing the risk of osteoporosis. Calcium and vitamin D are linked to good bone health, so it’s vital to get enough of these nutrients in your diet. There is a wide range of foods that are calcium-rich, for example dairy products (yogurt, milk and cheese), green leafy vegetables (kale, spinach), tofu, beans, sardines are also worth considering.

    For vitamin D, sunlight is your main source, since your skin produces it when exposed to the sun. However, as you get older, your skin gets less efficient at making it. The main foods sources are oily fish, eggs, cod liver oil and foods fortified with vitamin D.

    If you struggle to eat the vitamin rich foods, then take a general vitamin tablet every day.

    Smoking: As well as all the health problem associated with smoking, it’s also linked to early menopause and may increase hot flushes. For help quitting smoking click here.

    Alternative therapies:  Acupuncture, meditation and relaxation techniques may be able to reduce the stress of menopause.

    Natural remedies: Try evening primrose oil, liquorice, ginseng or wild yam. There is limited scientific evidence on their safety or effectiveness so talk to your doctor before trying alternative treatments.

    Before selecting a type of treatment or making a dramatic change to your lifestyle, though, you should always talk to your doctor.

    Menopause brings many changes, and it can sometimes feel overwhelming. It’s important that during this time, you make your health a priority.

    Further help and support