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How To Cope With The Financial Burden Of Giving Up Work

Most of us rely on a salary to cover bills and mortgage payments. If you’ve had to give up work, you’re not able to work due to illness or disability or you’ve lost your job, there may be help available. If you’re worried about your finances or your future, here are some tips to help you cope.

Seek Advice
If your circumstances have changed, and you’re not earning as much money as you used to, the best thing to do is seek advice. If you’ve lost your job, you may be able to access information to help you find a new job. You can also sign up for financial support while you are looking for employment. If you’ve been made redundant, it’s wise to speak to a professional about your rights to make sure that you get the redundancy package you deserve. In most cases, the company will have a procedure in place, which awards staff members in line with the number of years of service they have given. If you think you have been mistreated or you haven’t been offered a fair deal, don’t suffer in silence. Seek legal advice and you may be able to negotiate a better offer.

If you’ve been forced to give up work as a result of poor health, there may be options open to you. If you’ve been injured in an accident at work, which wasn’t your fault, for example, you may be entitled to claim compensation. Although claiming compensation can take time, the payout you are awarded could help to ease the burden of reduced income. The amount you can claim depends on the nature of the accident, the severity of your injuries and the impact on your quality of life.

If you have a disability, which makes working impossible, it is likely that you can seek financial support from the Government. If you are entitled to disability tax credit, it is important that you claim it. To find out more about financial benefits, which may be available to you, you can research online or call your local tax office. If you qualify for tax credits or financial support, you may be eligible to receive regular payments. These can help to cover the cost of household bills and general living costs. Your income tax will also be adjusted. The application process may seem daunting, but there is help available. If you struggle to use the Internet, or you find it difficult to fill in forms, don’t hesitate to ask for assistance. Once you are aware of how much money you’ve got coming in and your outgoings, you can budget more effectively.

Nobody wants to worry about their future, but sadly, sometimes, things happen, which are beyond our control. If you’re unable to work, it is important that you have access to the financial support that is designed to benefit people in your position. If you’re not sure where to begin, contact an adviser. They can talk you through the application process and answer any questions you have. Once the process is complete, you can enjoy peace of mind.



18 Years.....Time for a New Wedding Band

It's hard to believe that Money Saving Canadian Dad and I just past the 18 year mark of our I do's!   True story~  When we were first married he was afraid to wear his wedding band because he didn't want to scratch it.  I told him to go ahead and wear it and if anything happend to it I would replace it. A few months ago MSCD's wedding band broke in half!

Instead of a gold band ( a softer metal) like his first one we decided to go with tungsten (a harder metal) because MSCD works with his hands.  I liked the new ring very much and thought,"Hey, maybe I should get a new wedding band too!"
Photo:Joy Jewelers

I knew that I wanted something other than gold and MSCD's tungsten ring was heavy.  I really like the look of  Joy Jewelers platinum wedding bands and I found this 3mm Light Comfort Fit Wedding Band.  I highly recommend the comfort fit for an everyday ring!

Now I just have to decide what to do with his old ring.  I do have a couple broken gold earrings in my jewlery box.  Maybe I'll sell it for scrap....Hmmmm, but I'm sentimental!

 Question:  How many years have you been married and do you still have your original wedding band?


2 Ways to Save on the Nutrisystem plan!

 Are you interested in trying out Nutrisystem but want a better deal?  Well, here it is!  I have a unique link for Nutrisystem buddy bucks that will get you $30 off your first order.  $30 off Nutrisystem link

Want to save more?  If you register with Mr Rebates  you can  
save an additional 10% off your first order!

Here's how it works:  Buddy Bucks have a value of $30 and are only redeemable for new members.  Referral reward credits may only be used towards the purchase of a Basic, Core, Vegetarian, Uniquely Yours or Nutrisystem® D® 4 week plan.

 This referral method allows new members additional savings on their 1st order. Nutrisystem also awards the referring member $30 to apply to future orders. Yeah!  Once YOU are a Nutrisystem member you can refer friends and family to earn referral buddy bucks and get your food at a greatly discounted price!

  If you are choosing the Core plan where you can choose your food here are some of my faves:

 Breakfast: Apple Cinnamon oatmeal Blueberry Muffin(heated) Honey wheat Bagel(with light veggie cream cheese) Peanut Butter Granola Bar

 Lunch Beans and Ham soup Chicken salad(*Discontinued, replaced by BBQ pulled pork) Red beans and rice Chocolate Peanut Butter Bar

  Cajun Style chicken and sausage Lasagne with meat sauce Thick crust Pizza

Snacks! Honey Mustard pretzels (my #1 fave!) Chocolate nougat bar with peanuts and caramel Thin Mint Crisp Bar Chocolate Caramel dessert bar Mmmm!

Save with Buddy Bucks today!

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