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● Laura Thornberry ● Lifestyle Blogger ● London Based ●

AD| A credit card application is a big decision. Whether it’s the first credit card you’ve applied for or one of many down the line, financial decisions have an impact on our financial history. The decision to apply for a credit card will rest on several pre-existing conditions. However, if it’s another credit card you’re applying for with one already open, there are more questions you need to ask and factors to consider. 

CREDIT CARDS

One - What is it For?
Credit cards are excellent for large purchases, regular large payments like rent or mortgages and bills. These are spending habits to consider if you want to build a good credit score. Regular payments like this, followed by a regular repayment every month, will improve your financial history and reliability. The answer to this question will help you decide the credit limit and interest rates.

Two - What Limit am I Looking For?
There are lots of credit cards available with different benefits to them. This choice will depend on what the card is for. If the card is for a large purchase, a larger card limit would be necessary. To consolidate all credit card debts onto one card for more manageable repayments and management, a credit limit to accommodate that would be required. For smaller, more regular payments, a lesser limit is advised.

Three - What Rewards Are Available?
A choice of bank account, membership, or credit card comes with the question: what are the benefits? Rewards on credit cards are a common marketing tactic that draws in borrowers to choose that particular card. These benefits include free railcards, air miles, or 0% interest for a limited time. The benefits that attract you to a specific card depend on what you want in exchange for your spending habits. Air miles are great for frequent travellers, and 0% interest for a certain amount of time is suitable for those who want to put their debt in one place and pay it off as quickly as possible.

Four - Can I Meet the Minimum Payments? There are calculators out there that help you work out the minimum payments each month. However, it’s crucial to ensure that you can make the minimum payments at the very least to pay off debt.

Five - Will This Help Pay Debt Off Faster? The choice to switch credit cards or consolidate debt should not pursue a higher credit limit and more to spend. Instead, it should be to pay off debt faster and to ensure a better financial position. Nobody wants to be in debt.

Six - Am I Eligible? It’s essential to check whether you are eligible for a credit card first. Eligibility checkers are all over the web. Have a look to see what’s available to you.
Seven - How Do I Do It? It may seem a lot more complicated than it is. The latest deals guide has everything broken down step by step.

Have you considered switching credit cards? Do you already have some?
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AD| Working from home isn’t necessarily a new phenomenon but has certainly risen in popularity over the past eighteen months. The global pandemic forced many of us to transform our parts of our homes into makeshift home offices, from dining room tables to small corners of our bedrooms. 

Many companies have realised that their staff work well from home and have decided to permanently close their offices, or turn to hybrid working, meaning our improvised workspaces will have to be adjusted. With that said, here are some tips for setting up a more ideal home office.

HOME OFFICE

A Dedicated Space
If working from home is going to be permanent for you, then your home office should be a permanent space too. This might mean you have to get creative, as we are not all lucky enough to have a study. You could convert your guest bedroom if you have one, but utility rooms, landings, garden sheds, an enclosed porch or even the space beneath your stairs are other options.

Lighting
Humans are hardwired to work during the daytime when it is light so, if possible, it would be wise to set up your space where there is plenty of natural light i.e., near a window. This should help you with your productivity and prevent problems such as eyestrain. If natural light isn’t possible, make sure you have a decent desk lamp so that you can clearly see what you’re doing.

Furniture
Your office furniture needs to be comfortable and a suitable height so that you are neither slouching, nor stretching. If your desk and chair are not the right height you will end up with backache, repetitive strain injury or other issues. Ergonomic furniture is the best choice because it follows a set of scientific principles to support function and comfort reducing the risk of joint paint, poor blood pressure, musculoskeletal problems, and arthritis.

Equipment
You will obviously need a computer/laptop, a mouse, and a keyboard. Your computer screen should be at eye level, so make sure it is on a raised platform if you are quite tall. You should also chat to your employer about providing you with other equipment should you need it, like an office printer or a phone. You will also need to ensure you have a decent internet connection, especially if you make lots of video calls throughout the day. A power surge protector is also a great idea because it will protect your computer and information in instances of a power outage.

Storage
Clutter is very distracting, so make sure you have shelving or storage cupboards so that you can keep everything neat and organised. Many desks come with built-in drawers, so this might be a quick fix for you.

Décor
To help make the space feel more inviting, it would be a good idea to add some décor and colour. Photo frames, artwork and plants are great options for personalising the space and making it feel more welcoming.

With some planning and organisation, you are sure to create a space that works for yourself and your family and ensures you are reaching your full potential at work. Just be sure to keep an eye on the clock, because it can be easy to get carried away when working from home and it’s absolutely crucial to maintain a work-life balance so that you don’t burn out.

What other tips do you have for setting up your home office?
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AD| Children tend to be taught the basics of reproduction and sexual health at school, around the time of puberty or shortly before, but there is a lot that isn’t covered. As a result, when we grow into adults, we often have a fairly limited understanding of fertility, especially as it still remains quite a taboo subject. This is particularly true of infertility; we often avoid talking about the problems some couples face when trying to conceive a child. 

If you hope to have a baby one day, it’s important to try and educate yourself as much as possible about fertility and how to increase your chances of conceiving. Here are five fantastic facts to get you started…

FEMALE PREGNANCY FERTILITY

1. Female Babies Are Born with the Most Eggs They’ll Ever Have
When a female baby is born, she has around 1-2 million eggs. With every menstrual cycle, roughly 3-5 thousand eggs are lost, until they eventually run out. Some women consider egg freezing as an option as this preserves their fertility until they are ready to have a baby in later life.

2. Ovulation is the Best Time to Try to Conceive
If you have a regular period, you should be able to determine when you are ovulating because it usually happens around 10-16 days before your period. You may also notice clearer cervical mucus and a small rise in temperature. Some women have other symptoms, like tender breasts or bloating. You could also use an ovulation test to determine when you are ovulating.

3. Your Diet Can Affect Your Fertility
If you are trying to conceive, you will need to consider your diet to boost your chances of conceiving. Eggs are one of the top fertility boosting foods because they are full of protein and Vitamins B12 and E. Oily fish, avocado, full fat diary and garlic are some other ingredients you should consider adding to your diet.

4. Endometriosis Can Affect Fertility
Endometriosis is a common condition where tissue similar to the lining of the womb grows outside of the womb. This tissue is what breaks apart and causes a bleed during a period and when endometriosis happens in the ovary, it can cause a cyst, which may affect a woman’s ovarian reserve and their overall fertility.

5. Women Can Donate their Eggs
Egg donation is when a woman with healthy eggs donates them to another woman who is undergoing fertility treatment. It’s an extraordinary act as it can help a couple with fertility issues to have a baby. It is legal in the UK, but it is not legal to pay a woman for her eggs.

Of course, the five facts above merely scratch the surface and there is still so much more to learn about both female and male fertility. One thing to note, if you have been trying to conceive unsuccessfully for over a year, it might be wise to make an appointment with your GP so that they can carry out an assessment and find out if there is anything that could be causing infertility.

Sometimes cases of infertility go unexplained, but often doctors will be able to come to a conclusion and suggest your options. Bear in mind that if you have been using some form of contraception, it may take some time for your fertility to return to normal.

Did you know any of these facts previously? What other facts about female fertility do you know?

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AD| If you’re hoping to get into university within the next couple of years or so, you’re probably feeling a mixture of excitement and nerves. Some universities are particularly competitive, especially those that are higher up in the rankings, but don’t let that put you off. As long as you’re being proactive in accomplishing your objectives, you’re in with a good chance of securing a place at the university of your choice. Of course, it’s good to prepare as much as possible, so here are some tips from a sixth form in Somerset on securing a place at university.

UNIVERSITY STUDENT

Improve Your Grades
Your grades are arguably the most important aspect of your application. If you’re struggling with one of your school subjects, perhaps consider private tutoring or ask your teachers if you can attend some additional revision classes to help you secure the best grades possible. Begin your revision earlier and try to make healthy lifestyle choices so that you are better able to concentrate and absorb information. If you are tired and restless, you will struggle with your revision.

Do Your Research
Although courses across different universities will share similarities, they will also be different in many ways so it’s a good idea to do some research and tailor your applications to suit each of the commonalities. This will make your application relevant across the board to give you a better chance of securing offers from all of the universities you apply for, rather than standing out to just one. You could speak to the admissions departments directly and ask course related questions if there is something of particular interest to you.

Pursue Your Hobbies
Of course, you’ll be very busy studying for your exams, but it’s important to try and find time to pursue your hobbies outside of your obligatory schoolwork. In doing so, you will be able to demonstrate to universities that you are able to manage your time effectively and juggle multiple commitments, while furthering your skills and potentially even building up additional UCAS points. If you don’t have a particular hobby in mind, perhaps consider volunteering in the community.

Achieve an Award
Gaining an award will show universities that you are willing to take on new challenges and work hard, which sets you apart. The Duke of Edinburgh Award (DofE) is a good option, because it allows you to demonstrate commitment and determination over a longer period of time.

Extra Reading
If you’re currently studying A Levels, you will be learning a lot about the subjects that interest you, but extra reading will benefit you further. It’s really important to universities that their applicants can prove that they are truly engaged in the subject, particularly if you want to stand out amongst the crowd. You can reference your extra reading within your application and explain why it has helped you become better at your chosen subject.

Write a Fantastic Personal Statement
Your teachers will be able to help you with this, but your personal statement is a great opportunity to show that you deserve a place at the universities of your choice. There is a 4,000-character limit, including punctuation and spaces and it should be a total of 47 lines. Within your statement, you should explain why you’re keen to attend university and what makes you a suitable candidate, as well as the relevant skills you have acquired over the years.

Be Confident
If you’ve made it this far, you’ve already done a lot of hard work and have the right mindset to succeed. With that said, there’s no reason why you shouldn’t believe in yourself and have confidence in your abilities.

Have you applied for Uni recently? What other tips do you have to secure your place?

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AD - GIFTED| Looking for cool and unusual gift ideas for your dad this Father's Day? Finding the perfect Father's Day gift for our loved ones can be difficult yet very fulfilling, and by carefully choosing the right piece, it will be one of the most thoughtful and personal gifts you can give. 

Why not opt for something a little more personalised and choose some stunning wall art, posters or prints to bring a smile to his face. For me, I think the vintage style artwork is the perfect choice for Father's Day. Something so cool and so retro is simply perfect! Art makes a great gift because it is so personal, and there are a wide selection of styles to choose from the Poster Store. You'll be spoilt for choice with the vast selection of different themes & categories for all tastes, and the release of a new poster collection every Tuesday is something to look forward to!

FATHERS DAY

It's Not Always Expensive
For me, you don't always need to spend a lot of money on a gift for it to be meaningful and sentimental. Nowadays, you can put together a great selection of gifts whatever your budget is, and if you're looking to get some framed prints and posters, The Poster Store is definitely worth a look at. Offering such high quality prints and frames at such an affordable price, you know you will pick up a great gift idea that won't break the bank!

Adds A More Personal Touch
Really thinking about things that the recipient of your gift likes and is interested in makes the perfect starting idea when picking out something personal for them. The Poster Store offers a large selection of beautiful and affordable posters and frames, you'll definitely find something for everyone. Featuring a stunning Scandinavian design, you'll find the inspiration to pick out the perfect prints, or find the help you need for designing your own gallery wall.

Lasts A Lifetime
When choosing a gift for Father's Day, I'm sure we all want something that will be cherished for years and years, making posters, prints and wall pictures a definite winner. If your dad has his own office, room or other personal space, gifting some beautiful wall decoration pieces could be all he needs to make his space some incredible interior design goals. By choosing one or multiple wall art pieces, you can pair together his own feature, gallery wall, and give him something to look at day after day, knowing that it will last a long time. All the posters are printed on sustainably produced high-quality paper and can be paired with a stunning picture frame to make your gift a solid 10/10!

It's An Unusual Gift
The Poster Store offers a huge selection of unique prints, which will help you with your gift selection, as well as those looking to create your own gallery wall for your home. You can choose something that the recipient wouldn't usually pick for themselves, or even feel like they have the money to spend on something.

POSTER STORE VINTAGE CAR POSTER

POSTER STORE VINTAGE CAR POSTER

POSTER STORE VINTAGE POSTERS

For my Father's Day gift, I opted for a gorgeous vintage duo; Green Vintage Car Poster* and Green Vintage Car Detail Poster*. Beautiful vintage posters of a green classic car and green dashboard/steering wheel of a classic vintage car is any car lovers dream, especially for someone like my dad. 

I chose both these posters in the 30cm x 40cm size, with the accompanying white wooden frame, which I think works perfectly! There is a variety of sizes for both photos and frames online, making it easier for you to be as creative as you want, depending on the space you have to fill in your home as well as your budget.

If you're looking for a unique but extremely cool gift for your dad this Father's day, I would 100% recommend giving The Poster Store a look. Delivery is free on orders over £39, and packaging was impressively secure and my order arrived in perfect condition!

Use Discount Code: LAURA/35 - for 35% on all posters (except Selection Posters and frames) Not combinable with other discount campaigns. 
Valid until the 11th of July.

What gifts will you be giving on Father's Day? Have you considered posters and prints as a gift idea?
10:00 No comments
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