How To Recover From An Accident

How to recover from an accident - injured teddy image

Flickr

We all often worry about what we’d do in other people’s situations when we see bad things happening. We put ourselves in their shoes and think about whether we’d do anything differently, while hoping that we never have to find out for real. But sometimes you may find yourself to be in an unfortunate scenario where you’re caught in the middle of an accident or end up injuring yourself. You may get off lightly and only have a bruised leg from a potential slip, or a little scratch on the bumper of your car, but sometimes you may not be so lucky meaning the outcome will change slightly, as you may have to undergo surgery or some form of rehabilitation to get you back to where you were before the incident. Whatever your circumstances may be, it’s crucial that you do all the necessary things to ensure that you have covered yourself, and got the care you need.

Here’s what you need to do to recover from an accident.

Get checked out

Even if you feel fine, you may actually just be in shock, and so you don’t feel any strong pain from where you’ve been hurt. When this happens, it’s easy to say you’re okay and just go home. But sometimes, you may wake up the next day in excruciating agony and then realise that something isn’t right, and this could now be even worse than it was because you carried on doing things as normal when really you should’ve been seen to by a doctor or a nurse. So always pay close attention to yourself, and see someone regardless of whether you think you’re okay or not.

Get some evidence of the accident

No matter what it is that’s happened, you should always try and get as much evidence of the incident so that you can back up what happened if ever it got taken into more serious matters. Nowadays with the help of technology being what it is, it’s easy to document everything by snapping photos on your phone. So photograph your injuries and how they may change as the time goes on, photograph the scene of the crime, and also anything else that may be of use to you, like a car registration number or the name of the area that you’re in.

Get the compensation you deserve

If you have been injured as a result, then you should always think about contacting companies like Smith Jones Solicitors that will work closely with you to get you the compensation that you deserve. Bear in mind that if you were in a car accident for example, and your vehicle got damaged, you may end up paying for more than you should. But with the help of a professional solicitor, they will be able to build up a solid case and ensure you’re looked after correctly, and aren’t overspending on something that wasn’t even your fault.

Now you know what to do to help best recover from an accident, remember this if ever you find yourself in one of these situations.

How To Celebrate Your Birthday For Free!

Think back to your last birthday: What did you do? Did you throw a party? Go out to dinner with friends? Treat yourself to a mini shopping spree or buy that big-ticket item you’d been eyeing? Now think: How much money did you spend?

Your birthday is a day to feel pampered and special—but it can also be a day that gets expensive, fast. If you’re looking for a way to celebrate big without spending bit, look no further than birthday freebies.

From restaurants and retailers to movie theaters and arcades, there’s no shortage of ways to have fun and save money on your birthday. In fact, so many places offer free birthday stuff that you can celebrate all day—from a special breakfast in the morning to birthday cake at night—without spending a dime.

To help get you started, Wikibuy created an infographic showing you all the ways to have a free birthday. Check out the full visual below, and get to celebrating.

Free birthday stuff

 

Your Complete Guide To Buying A Motability Vehicle

There are lots of different innovations that have been designed in order to help individuals with physical disabilities have a much more comfortable life. One of these is the Motability vehicle. There are many different types of Motability vehicles available at present to try and help individuals take more control of their ability to get to different places. This ranges from those that have been designed to take passengers who are in wheelchairs to cars that have been constructed in order to allow people with certain disabilities to drive. So, how do you choose the right Motability car?

Your Complete Guide To Buying A Motability Vehicle - car dashboard image

Image 

Steps to take first

If you are looking to drive a Motability vehicle it is imperative that you have a driving license which is up-to-date. If you are yet to inform the DVLA (Driver and Vehicle Licensing Agency) about your disability you need to make sure you do so. They must be aware of any type of condition that can impact your ability to drive. This does not mean you won’t be able to drive at all of course. There are many instances whereby adapted controls and changes like this are all that is required, which is where your Motability car comes into play.

Financial aid available to you

The next thing you need to do is look for financial aid via the UK Motability scheme. What is available to you all depends on your disability and other personal factors. There are many different opportunities at your disposal. These schemes will present that with the chance to use grants and subsidies in order to purchase or lease a car which is suited to your physical condition. You will typically need to have one of the following in order to benefit from the Motability scheme; war pensioners’ mobility supplement, armed forces independence payment, PIP (personal independence payment) enhanced mobility component and/or DLA (disability living allowance) high rate mobility component. If you are applicable, you can benefit from the likes of a new or used car on hire purchase from between two to five years or even a brand new car on a three-year contract hire lease. There are also nearly new vehicles too, like nearly new Vauxhall cars and Ford cars that have been adapted to help those with disabilities, so you have plenty of options available.

Choosing the right Motability car for you

Once you have done this, you will then be in the position to select the right Motability vehicle for you. There are so many different factors that come into play. Make sure you read reviews that have been left by others who have used the vehicle. This is the best way to get an honest assessment of what it is actually like and whether it is worth acquiring. In addition to this, you also need to think about how you are going to get in and out of the vehicle and how many passengers are likely to travel inside. Furthermore, don’t forget to think about your typical surroundings either, such as what the parking is like at your home. This will impact aspects such as vehicle access.

The important thing to recognise from this blog post is that there is a wealth of opportunities for those who are physically disabled when it comes to Motability vehicles and, therefore, it is worth investigating whether there is something for you.

How It All Works: Are Secured Loans Better Than Unsecured Loans?

Money, money, money! Everybody wants some more, but unfortunately, it isn’t always there when you need it. Whenever you have some kind of emergency, you may have to consider getting a loan. According to statistics, more people are seeking personal loans than ever before.

But before you go out and sign up for one, it’s important to understand the differences between the two types of loans – secured and unsecured loans.

secured and unsecured loans - approved image

image

Unsecured Loans

This is a type of loan where that does not require any kind of collateral. All the lender will ask for is a bank statement and an agreement to repay the debt. If you fail to pay, the lender cannot take the assets you bought with the money. The lender also has no right to dictate how you use your assets. Thanks to the simple documentation required, these types of loans are widely available to everyone. The whole process is very short because you can get fast approval. This is much more convenient than seeking a loan from a bank and the terms of repayment are often quite flexible.

However, there are some disadvantages. Since there is no security for the loan, the lender carries a higher risk in case of default in payment. Unfortunately, this means that you will have to pay a higher rate of interest. Examples of unsecured loan include retail credit cards, personal loans, and student loans.

Secured Loans

This is the type of loan where you are required to provide some kind of collateral. The lender will ask you to pledge some kind of asset that you own as a way of guaranteeing repayment of the money. This collateral is usually something that has value, for example, cars, real estate, stocks, personal belongings, money, or even livestock. If you fail to pay back the loan as stipulated, the lender simply sells the collateral to pay off the debt. Examples of secured loans include car loans, home equity loans, and mortgages.

A secured loan has certain advantages. Firstly, it has lower interest rates. This is because the lender isn’t taking much of a risk due to the availability of collateral. Secondly, these loans have a more relaxed credit requirement. Finally, a secured loan enables you to borrow a larger amount of money. The disadvantages of secured loans include potential repossession of your assets in case of default. The lender can also restrict your usage of the collateral, thus preventing you from altering, depleting, or relocating the asset.

As you can see, an unsecured loan is a much more convenient way to get access to cash whenever you need it. However, there are a few things you must keep in mind. An unsecured loan should be taken out only for emergencies. Another factor to consider is the high rate of interest. Always make sure that you can actually pay back the loan on time. At the end of the day, knowledge is power. You need to understand what you are getting into before signing on the dotted line. Examine the pros and cons and decide the best kind of loan that will suit your needs.

 

The Best Ways to Overcome Financial Stress

Many people these days end up in financial problems. There are many reasons one could end up in financial difficulties, such as poor money management, lack of planning, loss of employment and so on. However, one thing is certain, everyone faces immense stress when faced with financial struggles. The main reason is that financial problems are one of the most difficult things to overcome. Once you’re in too deep, it becomes a lot more difficult to get back on track.

Still, if there’s a will, there’s a way. When faced with financial stress, one must keep their head cool and strategize instead of panicking. Yes, that’s a lot easier said than done, but panicking won’t get you anywhere. If you analyze the situation correctly, you’ll soon find the main cause of your problems. And, when you know what’s causing your financial stress, you’ll be able to fix the problem. Therefore, here are a few of the best ways to overcome financial stress.

financial stress, causes and solutions - worry image

Image source

Develop a budget

Developing a budget will give you a clear picture of what your financial status looks like. Having a budget assessment helps you determine how much you earn and how much you spend. It’s the easiest way to find loopholes in your finances and close them up. You’ll be able to reduce stress levels when you know what’s causing your finances to leak and when you know you can fix the issue.

For example, calculate your earnings and deduct all the necessary expenses, such as utility bills, maintenance, taxes and so on. Now, this will show you how much money you’ll be left with once the expenses are covered. It will also help you notice if any of the bills cost more than they should. If you have a budget plan, it becomes simpler to manage your finances and reduce costs so that you can avoid financial difficulties.

Maintain a good credit score

Many people neglect their credit score. The main reason is that a lot of people aren’t even aware of bad credit score’s negative implications and impact on your finances. Late bill payments, outstanding debt, exceeding your card limit and more all contribute to a bad credit score. A bad score means you’ll have more fees and more expenses on your back.

For instance, being denied a bank loan, being charged with high interest rates on loans or being unable to get a better credit card deal are just some of the consequences of having a bad credit score. What’s more, you must read your credit report regularly. The main reason is that even a simple accounting mistake could hinder your credit score.

Reduce costs

As mentioned before, having a budget plan helps you spot anything that stands out with your expenses. That way, you can even reduce the costs of your bills and utilities. For example, are you paying 50$ for a landline you almost never use? If that’s the case, cancel it or switch to an emergency only plan. Moreover, do you pay a fee on your checking account? If so, switch to a bank that offers no checking fees.

Another example of cutting costs on bills is avoiding using air conditioner or heater when you’re not home or leaving the lights on when you’re not in the room. All of these bad habits cost money and by simply changing your approach, you can save yourself a lot of money in the end.

Seek additional funds

If you find yourself in a particularly difficult financial situation, you can always seek additional funds to help you cover the expenses. For instance, you can apply for a loan at your bank. However, banks tend to be picky when it comes to allowing loans, especially if your credit score is low.

In that case, you may get denied or charged with very high interest rates that aren’t suitable for your current financial situation. If that’s the case, you can seek out alternative lenders for more flexible personal loans. These loans are particularly handy when you want to consolidate your debt and get your finances in order.

Pay your bills on time

Avoiding financial stress means avoiding financial difficulties. Paying your bills on time can save you from such difficulties. Many people are late with bill payments, yet they become frustrated with extra late fees and additional costs. That way, you still pay your bills with extra expenses. All that it takes is for you to be a bit more organized, in order to pay your bills on time. As a matter of fact, even a single late credit card payment can cost you up to $300 annually.

There’s no reason for you to pay additional fees and risk yourself ending up in difficult situations, as well as stressing over expenses that could have been easily avoided. Furthermore, you can even leverage technology to help you pay bills on time. For instance, you can schedule automatic payments or set reminders to make sure you don’t miss out on paying the bills before they’re due.

Financial stress isn’t uncommon these days. Many people fear what they’ll do if they lose their job or if they end up in financial trouble. Stress makes people see the worst in every situation. The truth is that with a bit of good planning and organization, you can avoid financial issues and save yourself from stressing over a situation that seems impossible to overcome.