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Four secrets of parenting that nobody tells you

Guest Post

Whether you’re expecting your first child or have a large brood, there are a few life lessons that can be learned from having children. If you’re planning your first baby, there are a few things that nobody can teach you, but here are a few pearls of wisdom that will help you on your incredible journey.

 

A portable nappy carrier will save you hours

One hard truth that you will have to accept when you become a mother is that you will never just be able to pop out of the house. A standard baby bag will soon become second nature to you throughout your baby’s infancy, and it should contain everything from a change of nappies to extra outfits, dummies, bottles and the almighty baby wipes. If you don’t want to spend hours preparing this however, you can create a portable ‘nappy station’ but always having a collection of nappy changing material on hand at home, saving you valuable hours when you’re heading out.

 

You don’t need a whole toy box to entertain your child

Admit it – how many times have you seen a child receive a new toy and be more interested in the packaging? While many toy companies will try and sway you with the latest all-singing, all-dancing toy, more often than not your child will be placated with some simple household items, including pots and pans. Just keep an eye on anything that could be dangerous and you’ll soon see one contented child.

 

Sleep filled nights will come at 17 weeks

First off, change your perception of the phrase “through the night” before you have a baby. A good night’s sleep for new parents is six hours, and you’ll find that this usually happens at around the three-month mark. Do what you can to make your baby’s sleeping area comfortable, from buying the right furniture to eliminating distractions, and you could find your sleeping patterns improving too.

 

A positive outlook will work wonders

One of the best lessons you can learn from being a parent is to accept the inevitable. You will lose sleep. Your child will throw up on your favourite top. You may scream at your partner. It’s important not to be overwhelmed by these changes and to focus your attitude on getting the positives from the experience – be thankful that your child is healthy and that you have the support network of those around you. Having a baby complete changes your focus on life and helps you appreciate the more important things, so accept it and embrace it.

 

The Essex Pass

essex-bannerWe are very excited to announce that Essex Mums is now in partnership with The Essex Pass: a fantastic new way to enjoy 2for1 deals at some of the best attractions in Essex.

The Essex Pass is much more than just a discount card; for just £9.99 you get access to hundreds of discounts across Essex for a whole year & typically make your money back in just one day out!

How does it work?

The Essex Pass is a plastic membership card which you order online. When it arrives, you simply show the pass when buying tickets to a day out, paying for your sporting activity or arriving at a restaurant. Some attractions/restaurants require pre-booking so you’re best to check the offers carefully online (www.essexpass.com) first. Offers can vary but typically most are available 12 months a year and generally 7 days a week, which means you can get great discounts even on weekends and during school holidays!

What are the deals?

Get 2for1 deals at attractions such as Marsh Farm, Barleylands Farm Park, Old MacDonald’s Farm,Boydells Dairy Farm, Imperial Bird of Prey Academy (Trip Advisor’s No1 attraction in Essex) , Harlow Falconry, Audley End Minature Railway,  Epping Ongar Railway, Huntfun, Laser warfare, Brentwood ski & snowboard centre, Lakeside karting, Brentwood karting, Rye house karting, Rope Runners, Delta Force paintball, try dives at Planet scuba, Beth Chatto Gardens, Hedingham Castle, Colchester Castle, The Secret Bunker, Hylands House & more.

Also a wide range of other details, including a “kids pay £1” deal at Hadleigh Farm, 2 free entries with the pass throughout August at Old MacDonald’s Farm,  60% off Brownes fitness boot camp, restaurants, pubs, cafes & fish n chippies offering up to 50% off food and  10-20% off at many local shops. Look out for the ESSEX PASS sticker in the window.

 

To celebrate the launch of the pass, we are offering a special ‘share with a friend’ deal:

Buy for a friend today and get one for yourself absolutely free!

When you buy your card, just add ‘Essex Mums’ plus your friends’ name in the notes section of the cart page – https://www.essexpass.com/get-a-pass/passes/essex)

What could your credit rating reveal about you, your lifestyle and your borrowing habits?

What could your credit rating reveal about you, your lifestyle and your borrowing habits? Order a free credit rating report to get the lowdown on your credit rating before your lender does.

What could your credit rating reveal about you?

If you haven’t checked your credit rating for a while, now could be the perfect time to do so. It’s amazing how much information your credit score can reveal about you, this is information that lenders check before they decide whether to lend you money or approve a credit or store card application.

Why check my credit rating?

If you are thinking of applying for credit soon it’s a great idea to check out what lenders can see in case there are any irregularities or issues that you need to deal with or dispute. For example, you may have been the victim of fraud or there may be black marks against your name because you are linked to somebody else incorrectly.

A credit report is very easy to read and understand and you can order your credit rating report from the comfort of your own home. Your credit rating will contain details about all of your existing credit accounts such as credit cards, loans, store cards and bank account overdrafts. Late payments, defaults and county court judgements (CCJs) will also be displayed if you have any.

Most credit reference agencies such as Experian (visit their site for more information) display your credit rating as a score; 999 is usually the highest score you can achieve although some agencies or credit report services display the rating as a star or percentage system.

I have late payments showing on my credit rating. Will I be refused credit?

The answer is probably not. If you only have one or two late payments showing and these date back a few months, lenders will usually overlook them. It is the credit reports with multiple late payments across multiple accounts that attract suspicion and which may give lenders cold feet.

Keep checking your credit rating regularly

Keeping a close eye on your credit rating and detailed report is sensible whether you are applying for credit now or simply trying to get your borrowing levels down. At a glance you can see important information such as the total amount that you owe, who you owe and your current borrowing limits.

This information can be a real eye opener and help you to budget and make wise borrowing choices in the future. What’s more, many credit report services match you up with the products that best suit your credit rating. If your credit rating is excellent, you will have access to the most favourable products with the lowest interest rates. As your credit rating goes down, you will still be matched with products such as credit cards and loans, but you can usually expect a higher rate of interest.

Get the lowdown before the lenders do

Thinking of taking out a loan? Considering a credit card? Before you make that online or paper application, order your credit rating report to get the lowdown on the credit information lenders are seeing. In doing so you can get a good idea if you will be likely to be accepted or rejected.

 




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