RENTING VS BUYING IN YOUR TWENTIES.

Monday, 15 November 2021

 Buying a house is something that most of us dream of doing or at least have on our 'life goals' list from a young age. I didn't give it much thought until after university and even then, I knew I wanted to go travelling and live abroad for a while so saving for a house wasn't really going to be feasible. I am now 27 and have just signed for one of the '50/50 affordable houses' that won't be complete for me to move in for quite some time. So right now my predicament is whether to rent or save by living with my parents until it is ready! Everyone's situation is different, which is why renting may make more sense for you than buying or vice versa. Here are a couple of things to think about when deciding. 


Photo Credit


When to buy a home 


I think there are a couple of important factors to consider when purchasing a home - your financial situation, your long-term plans and your current living arrangements. The idea of buying a home is exciting because you can make it your own, even down to choosing your own engineered wood flooring and tile designs. 

Financial situation


Buying a house requires quite a few up-front costs and a deposit to secure your house. The average for a first time home buyer in the UK is around 15% although there are now mortgages that accept 5% deposits (BBC News). It is important to remember that the more you pay with your deposit, the lower your monthly instalments will be when it comes to paying your mortgage. 

You can use a website to calculate your payments to see realistically what you will be able to afford and how much you can save. So for example, if you wanted to purchase a house for £250,000 and deposited £50,000, you'd be looking at a monthly mortgage of around £876 for 25 years. Which brings me on to my next point!

Current living arrangements


I know we see lots of success stories on social media of buying a house on your own, but unless you're earning a really good salary paying a monthly mortgage of £900 won't leave much room for other fun things in life! If you're trying to buy on the open-market and earn a regular salary, my advice would be to save as much as you can by living with your parents until you can afford to put a good deposit down, or wait until you're in a stable relationship and can purchase something together. After all two salaries are better than one. (and paying half the mortgage!) You can also work out what mortgage you can afford to borrow depending on your combined income. 

Long-term plans 


Another point to consider is where you see yourself in the next 5 years or so, because if it's not where you currently are then maybe buying a house won't be the best option for you. Although if you can afford to buy and do plan on returning to the area then buying might be a good investment as you can rent out your home in the meantime to cover your mortgage payments. 

Another thing to remember is that your first home doesn't have to be an 'insta-worthy' 3 bedroom flat in central London with a pink door. It's better to buy something you can actually afford now and then upgrade down the line when your situation changes than try buying your 'home for life' at 21 and being up to your throat in payments and not be able to enjoy your 20s! Plus, renovating can be fun and IKEA hardly disappoints. 

When to rent 


Renting is usually better as a short-term solution, or if you're someone who doesn't stick to one place for very long. Here are some reasons why you might want to rent instead of buy.

Flexibility


Choosing to rent makes it easier to move house once your lease has finished, and in majority of the times you won't need to worry about furnishing the place or replacing furniture (unless you want to) as the landlord will deal with that. It's also a good option if you work remotely or are somewhat of a digital nomad who doesn't stay in one city for too long. 

Less Risk 

As long as you don't breach your contract, you can leave most of the issues for your landlord. So you won't have to stress about changes in the property market or dealing with a leak in the kitchen!


Cheaper (in short term)


Renting an apartment can be a pretty quick and easy process, especially if you choose to do a house share through a website like SpareRoom which only asks for the bond, a reference and one month's deposit (in most cases). If you're new to a city and plan on sharing with friends this could be a good option as you could find yourself paying £400 rent a month. Which is great if you're just going to be in London for a year etc. 

One good thing to come out of the Covid pandemic is that flexible/hybrid working has become a lot more common. So the need to live near the city centre isn't as necessary, meaning you can rent something a lot nicer and cheaper by being on the outskirts. A study by Metro listed the cheapest places to rent in London which included Manor Park (E12) and Forest Gate (E7). 


So, to rent or to buy?

In a nutshell, if you're settled in one place and have a stable job, then my advice is to save as much as you can in the next few years and buy your own property. In the end you'll have something that is yours and it's always good to have some collateral. If you're someone who moves around a lot for work or buying a house has never been what you want to do, then renting it is!


G

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* This is a collaborative post but all words are my own. All collaborations are kept relevant to Tea With Gi and my audience *








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10 THINGS TO EXPERIENCE ON YOUR TRIP TO NAPLES, ITALY.

Wednesday, 3 November 2021

I didn't know much about Naples (or Napoli) before our trip, except for the fact that it's where pizza was 'invented' and that it was a gateway to other places of interest like the Amalfi Coast and Pompeii. Because of Covid we had actually changed destinations a number of times before settling on Italy because it was one of the cheapest places we could change our Ryanair flights to! If you're looking at spending a couple of days in the Campania region of Italy, here are some things I recommend doing. 



1. Eat pizza, every day. 


We set ourselves the challenge of eating pizza and pasta every day whilst in Italy, because why wouldn't you? Even with that we didn't have time to try all the iconic pizza places in Naples. I even accidentally ordered one without cheese (marinara) and it was still delicious! For some quirky toppings head to Pizzeria Imperatore 1906. For a Michelin star experience without the price tag, eat at Sorbillo Restaurant, but expect to queue! Finally if you'd like to follow in the footsteps of Julia Roberts in Eat Pray Love, head to L'antica Pizzeria da Michele. Another typical thing to try in Naples is 'fried pizza', which I wasn't the biggest fan of but there are people out there who are, so why not try it for yourself! 




2. Visit the archaeological museum 


One of the main reasons people visit Naples is to explore the nearby ruined city of Pompeii, but if you want to get the full historic experience and see relics and excavations from Pompeii then this should be on your itinerary. The museum is currently open and entry is permitted to EU citizens who have a valid 'green pass' or others who can present a vaccine certificate. 


3. Stroll through Complesso Monumentale di Santa Chiara


Santa Chiara is a religious complex that consists of a church, a monastery, tombs and an archeological museum. You won't need to spend more than an hour here, but the beautifully painted pillars are worth the walk so you can get a good photo for your Instagram! 



4. Catch a ferry to the island of Capri


If you're from Gibraltar, then Capri probably won't be that breathtaking to you as it has a lot of (limestone) similarities with Gib. Princess Diana, Audrey Hepburn and Jackie Kennedy were all big fans of the island and regularly spent summers here. For us regular folk, you wouldn't want to spend more that a day as a peach iced tea will set you back 6 euros. Whilst you're there, I do recommend taking the Funicular to the top of the island for the best view, or walk if you want to brave the heat! We had lunch with the best view at La Palette followed by gelato at Buonocore If you fancy visiting one of the cheaper islands, Ischia is a 50 minute ferry ride away from Naples.

Day Trip to Capri from Naples (£98)




5. Try some local sweet treats like Baba and Sfogliatelle 


I have an Italian friend who spent a few years living in Naples so I asked her for the best place to try Sfogliatelle and she recommended Antico Forno delle Sfogliatelle Calde Fratelli Attanasio. To explain more about what it is, it's a shell-shaped pastry that has lots of thin layers so when you bite into it you'll deffo hear the crunch! The standard one comes filled with custard but you'll find many varieties. Baba, is a little sponge cake soaked in a rum like citrus syrup. 



6. Hike Mount Vesuvius 


When we booked a tour to Mount Vesuvius we didn't actually think we'd be going up Mount Vesuvius. I think we just assumed we were going to get close enough to see the volcano via bus. Firstly, you can actually see Vesuvius from pretty much anywhere in Naples, and we managed to get very up close and personal meaning that we could actually go look inside the crater. The bus does leave you fairly close to the top so you only have to hike up 1.5km (40 minutes). Just make sure you wear appropriate footwear or you'll find yourself frantically wondering round the streets of Naples at 6pm trying to find trainers (like us).  



7. Visit the remains and learn about the history of Pompeii


Personally I don't think it's worth visiting Pompeii without a guide, or else you're just going to be marvelling at a bunch of rocks with no meaning behind it. If you are planning on visiting Pompeii I suggest you don't go in July or August, as you'll be waiting in long queues and standing in the heat. Luckily, since we went end of August and tourism was still relatively low, we didn't have to wait anywhere so we were in and out of the place in around 2 and a half hours. The most interesting thing we saw was a 'brothel' that had paintings you could see of the different types of 'services' they offered, which is how archeologists figured out what the room was for! 

You can actually visit Pompeii and Vesuvius in one tour and I've linked the one that we went on below. 


Mount Vesuvius and Pompeii Ruins Tour (£77)



8. Explore the Amalfi Coast and the picturesque town of Positano. 


The town of Positano is a short 1h30 min drive from Naples, and it's definitely worth the trip. You will definitely have seen photos of the colourful Italian style houses on social media and it's just as quaint in person! Again if you're from Gibraltar, it might look a bit like Caleta to you but on a bigger scale. Once you get to Amalfi, I recommend taking a boat trip around the island. There'll be plenty of companies offering private and group services once you get there.

Positano and Amalfi Coast Day Trip (£64)



9. Take a free walking tour of Naples


If you've been reading my blog for a while then you were probably wondering why I hadn't mentioned this already, because I do love a good free walking tour. Naples can be a bit of an intimidating city at first, and you'll find a lot of people don't speak English. That doesn't mean it doesn't have its charm and it's always great to find out more about the history of a city and its people. Even though these tours are advertised as 'free' you are expected to tip something at the end!

10. Snap a photo at Toledo Metro Station


The metro system is super easy to use in Naples, although from what we experienced the trains were never on time. Nevertheless, if you want to save money on taxis and snap some cool shots of possibly the most artsy station in Europe, head to the Toledo stop. 

Toledo Station (Photo Credit)


Naples has a bit of a history for being a bit 'rougher' than its neighbour Italian cities but it's definitely got better over the years. It might not have as many landmarks as Rome or be as romantic as Venice, but it still had its charm and is known for having the best Italian food in the country!If you'd like any more tips for Naples you can reach me on my socials below.

G 

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GUEST POST // RURAL VS URBAN LIVING

Wednesday, 6 October 2021


Are you a city slicker who yearns for the country life? Or perhaps you’re a country bumpkin since birth, now bored and long to be where the buzz doesn’t just come from bees. There are pros and cons to both rural and country living, of course. We’ll have a look at them here to help you decide whether the city or the sticks is for you.




The pros of rural living


Price - You get more for your money in the countryside. For the price of an apartment in London, you could buy an entire village. Okay, that’s a bit of an exaggeration, especially if you’ve got your heart set on one of the posher villages, but in general, you get bigger houses for less money the more remote you go.


Improved standard of living - Having more space will improve your standard of living. You won’t feel so claustrophobic and cramped, you’ll likely have a garden (maybe even one out the front too, woo hoo), off-street parking and a garage.


All that clean, unpolluted air is healthier, too. No more black gunge up your nose (Londoners will know all about this)!


You’ll be at one with nature - You’ll be surrounded by countryside and can spend your spare time walking in fields and forests and growing your own fruit and vegetables in your garden. If you’ve got a dog or cat, they’ll love all the outside space too.


Sense of community - People will say hello to you when they pass you in the street (or lane, if you’re really in the sticks). If you’re from London or a big town, you’ll probably find this quite disconcerting at first. But don’t panic, people are just friendlier in the countryside, they’re not being weird or about to mug you.


It’s quieter - If you’re living in the middle of nowhere, it’s quiet. Like, pindrop quiet. No traffic, no neighbours a few inches away on the other side of a thin wall you can hear arguing about whose turn it is to put the bins out. No drunks falling out of nightclubs at 2am on a Sunday morning chucking chip packets and bits of kebab into your front garden.

The cons of rural living


Expenses - Yes, you get a bigger house for your money but if you’re still working in the city, your commuting expenses are going to be massive. And if you want to go out at night, unless you drive, be prepared for taxis costing a lot more than they do in the city.


It’s remote - The remoteness might be the sole reason you fancy the countryside. Perhaps you fantasise about living the hermit life, never having to see anyone ever. Or hardly ever. Just you pottering in the garden tending to your homegrown fruit and veg while cats, dogs and chickens bask in the sun.


This is all very well, but what about when you run out of milk? Unless you’ve got your own dairy cow (do not buy a dairy cow), you’ve got a long drive or walk to the shop. Which, being the countryside, probably isn’t even open when it says it will be.


Public transport is irregular and expensive - People in cities are spoilt with their public transport system. Buses, tubes, trains and trams will get you wherever you want to be all day and all night. And it doesn’t even cost much.


In the countryside, however, buses are irregular, there’s no such thing as a tube, and if you do manage to get on the one bus a day that runs, it costs an amount that will have you raising your eyebrows the first time you buy a ticket.


To be fair though, you’ll get a lot further in a lot less time in the countryside than you would in the city. For example, five miles on a bus in the countryside will take about ten minutes, as opposed to the three hours it’d take you in London.


You’ll get snowed in - You know how in London when it snows, you look out the window, exclaim at how pretty it is, then by the time you get out the door to go to work, it’s all gone? In the countryside, when it snows, it sticks around for weeks. You can’t go anywhere because the roads and pavements (if you even have pavements) are icy, no one can get to you because the roads are icy, and snow is no longer the pretty thing it once was but is now just a load of cold and icy inconvenience.

The pros of urban living


More job opportunities - Although COVID heralded a new wave of remote workers, plenty of companies still want their workers to show their faces at the office now and again. Fine, if you’re within commuting distance but if you’re not, you might get passed over for someone who lives nearer.


And if you’re not a remote worker, there are obviously far more opportunities in big cities and towns than in the countryside.


Entertainment is aplenty - If you’re a bit of a culture vulture, you can’t go wrong with city living. Everything, and I mean absolutely everything is there for you to enjoy. Cinema, bars, restaurants, theatres, museums, galleries - whatever you fancy doing, you can do it in a city.


No need to have a car - You don’t need a car in a city. Even if you do drive, you’ll have nowhere to park it and you’ll only travel at an average of 4mph anyway. But that’s okay because you can get rid of the car and walk, bus, train, tube or tram wherever it is you need to go quickly, easily and relatively cheaply.

The cons of urban living


Price - We all know how expensive it is to live in a city. London, especially, is so expensive now, would-be homeowners feel they’ve as much chance buying a house on the moon as one in London.


It’s not just the price of houses that’s eye-wateringly high. Have you seen the price of a pint in London lately? Eek.


Noisy and crowded - Cities are crowded. They’re also noisy. There’s traffic and people everywhere. Houses and flats are all bunched up together and you may well have people not only living next door to you on both sides but above and below you too.


Higher crime rate - Of course, there’s going to be a higher crime rate where the population is higher but it’s not simply a question of percentages. Crime rates are higher in cities and if you live in a city or big town, if you haven’t been a victim of crime yourself, the chances are high you know someone who has.


Of course, you don’t have to live at such extremes as in a city centre or in the middle of nowhere. There are plenty of suburbs that will give you easy access to the city or perhaps semi-rural will prove to be the best of both worlds.


Whatever you decide, make sure you consider all the pros and cons of urban and rural living before making the move.
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5 TIPS FOR STARTING A BLOG AND IMPROVING SEO.

Tuesday, 29 June 2021

It's been over 5 years now since I started writing on Tea With Gi. I remember I started because I was doing a semester abroad in Florida and wanted to keep my friends and family updated with what I was up to. I then soon branched out from that and started writing lifestyle posts, and then writing travel guides. I've had a lot of great opportunities come from my blog and I definitely didn't expect to have any success with it when I started writing (I thought I'd only have 10 readers!). If you're looking at starting a blog, these are some of my tips. 



1. Make it look as professional as possible.



I've never purchased a blog 'theme' but spent ages toggling with the blogging template, adding html's and widgets to customize it and make it mine. I'd also recommend buying a blog domain, as brands are more likely to want to work with you if you seem established and don't have wordpress/blogger etc. in your webpage link.


2. Try not to limit your self.



Finding a niche is great, but the blogging world is pretty saturated as it is. The key is to writing about stuff you're actually passionate about and not just because it's what everyone is doing. I used to do beauty posts when I first started my blog but found it's not really what I enjoyed writing about, so I stopped doing it!


3. Make sure you make every post 'SEO friendly'



SEO stands for 'Search Engine Optimization' and there are a number of ways you can make this happen. One way is making sure you use keywords that are relevant to the post and what people might be searching for. If your post is on 'Gibraltar travel tips' make sure you're using keywords such as 'things to do in Gibraltar' within your blog post. Make sure you also add text to your images and put in a post description! I wrote a whole blog post about improving your blog SEO here.


4. Social media is essential for growing.


I luckily had a few thousand followers on my main twitter account before I started my blog, so it was great to have a platform there to promote my blog in the first place. I now have a Twitter and Instagram account dedicated to my blog (teawithgi) and twitter is a great way to follow other bloggers, interact with them and promote your stuff. I definitely recommend scheduling tweets to promote your posts, just don't make your feed seem like spam! Comment on other blogs, interact with your audience on Instagram and stay relatable!


5. Collaborate with people in the industry!


One of the best ways to improve SEO and your page visibility is by improving your back-links. This means having other people and websites linking back to your website. The higher their Domain Authority, the better it will affect your ranking. You could always reach out to publications you enjoy and ask if you can post a guest post on their website. 


The key for growing your blog and social media presence is to be consistent, and keep working at it. Aqueous recently published a post on ranking factors of a website which will be a useful read for things to take into consideration. I hope you guys have found this post useful! 

G




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5 ADVENTURES TO TAKE YOUR GAMMA JACKET ON.

Monday, 21 June 2021

I must say, dressing appropriately for the weather isn't my forte. I remember last year when we did the Tongariro Alpine Crossing in NZ all I had on was a vest and a Primark jumper, not the best when you're in minus numbers at the top! If there's one item of clothing I'll be packing on my next excursion, it's the Gamma jacket. It's a durable, lightweight, insulated jacket that doesn’t compromise function or fashion. It comes in black meaning you can wear it with pretty much anything. It's infused with graphene which is the strongest and thinnest material on Earth - impressive! As a backpacker you know how important it is to pack light, but also pack smart. Here are 5 adventures to make sure you pack your Gamma jacket for. 





1. Tongariro, Taupo (New Zealand)


I did this day trek in January, meaning that it was still summer in NZ but we were also at a higher altitude, so naturally it was going to be cold (and windy!). It's known for being one of the best hikes in New Zealand, and i'd say a difficulty of 3/5. It will take you an average of 4-5 hours to complete and for me the hardest part was coming down the volcano because of the terrain. If you studied geography GCSE, you'll be familiar with the red crater, blue lake and hot springs on the route! 

tongariro alpine crossing


2. Mount Batur, Bali (Indonesia)


Bali is quite a humid city, with occasional rainfall. This is a sunrise trek that starts at 2am so you might feel a bit chillier, so bring your jacket! I'd say this was a 2.5/5 in terms of difficulty, mostly because you have to navigate in the dark with a torch so you don't trip on a rock. You'll arrive at the top just in time for sunrise, and you'll be served eggs and toast! 

mount batur



3. Sapa, Vietnam 


We actually had to buy new shoes and a raincoat when we arrived to Sa Pa because we didn't pack adequately. Sapa is a small mountain town to the northwest of Hanoi, and a lot of people choose to stay 1 or 2 nights here. Here you'll find local tribes, rice paddies and forest treks. You'll be taken by a guide and stay in a Home Stay, so you really get a taste of the local culture. 

sapa, vietnam



4. The Inca Trail, Peru


This is one that I still haven't ticked off my bucket list, but I will one day! The Inca Trail is usually done over several days, which means that you want to make sure you've packed light, but also have everything you need. Here you can experience a lot of different weather depending when you go, which is why this jacket is great. It offers temperature control and is windproof. 


inca trail


5. Druk Path Trek, Bhutan 


This one is a little bit longer, so you want to come prepared! The Druk Path trek is the most popular one in the country. It takes 6 days and passes through a variety of different landscapes, including forests, ridges and lakes. You'll also come across ancient monuments and villages. This one is fairly easy as the distance between rest camps is fairly short, and the altitude isn't too high. 

Whether you're travelling for 2 weeks or 2 months, no one wants to be carrying around a heavy suitcase with unnecessary stuff (I think we're all probably guilty of overpacking). Even if you're travelling through SE Asia and expect everywhere to be hot and sunny, it usually won't so it's best to be prepared! 




WearGraphine is currently crowdfunding for the gamma all climate jacket and any support would be great. Whether you're looking for a jacket for skiing, hiking or walking to work in the British weather - it's the jacket you need! 

gamma graphene jacket

gamma graphene jacket

gamma graphene jacket





G

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HOW WE CAN ALL BE LIVING A MORE SUSTAINABLE LIFESTYLE.

Thursday, 29 April 2021


* This is a collaborative post but all words and opinions are my own *

A lot of the time when we talk about being more eco-friendly and living a sustainable lifestyle, we always jump to the basics like recycling and using a reusable water bottle (if you still aren't, what are you waiting for?). A lot of the time it's small changes we can make that will help the environment, and it's just a case of forming good habits and sticking to them. Here are a couple you could implement into your life to do your part.

tea with gi environment

1. Every few months re-evaluate your wardrobe, then donate!


Who's guilty of buying something and 6 months later it's still hanging in your wardrobe untouched? *raises hand* I'm guilty of keeping things just because they hold 'sentimental value' or I think that I'm going to wear it one day. If you also find that you're a reckless buyer, ask yourself 'will I actually wear this' before purchasing anything. 

2. Buy a re-usable bag.


I'm the first to say there are many times where I'm in the supermarket and I've forgotten to bring mine with me. So unless I'm only carrying 2 apples I'm gonna have to buy one (but they are reusable!). I bought a cute one from ale-hop for a couple of euros and I use it most days to carry my food to work and other bits. 

3. Consider your packaging. 


We actually changed our coffee pod supplier at work because we found they were wasting too much plastic, each individual pod came wrapped in plastic packaging and it was unnecessary to be honest. On the flip side, if you own a little side hustle, consider using a bespoke packaging manufacturer to send your goodies out. 

4. Try and cook with what you have first.


The amount of food we waste is incredible, so a good habit to get into is cooking with the stuff you have in your fridge and pantry before you go and do another Asda shop. When I was in uni I'd try and be really healthy and buy loads of veg and then by the end of the week I'd have to throw half of it because it had gone bad - so that's another thing to watch out for. 

5. Be more digital.


40% of the world’s commercially cut timber is used for paper (look at me bringing in facts), and really a lot of the time we don't really need to take things back to old school paper and pen. I always find it such a waste when businesses print all these brochures and flyers when we know that we consume stuff better through the digital world. This Christmas, sending cards via Paperless Post might also be a good alternative. 

6. Make the most of public transport.


I mean I do this anyway because I still don't have my driving license, but even if I did I think it would be more hassle to take out my car, drive for 10 minutes, and have to find a parking space on my way home than to just take the free bus system that Gibraltar has. Or, if the sun is shining and the birds are singing, walk! (if it's less than half an hour away of course).

7. Eat a little less meat (and dairy).


I'm not vegan, although I did take part in Veganuary in January and I'm hoping to do the same in 2019. The Environmental Working Group found that red meat is responsible for 10 to 40 times as many greenhouse emissions as common vegetables and grains - so we could do with cutting it out of our diets for a day or two. If you need a little bit of inspiration I asked 15 vegans what their favourite recipes were. 

8. Participate in clean-ups.


Now and again my family take part in beach clean-ups and it makes for quite a rewarding day out. I'm not saying you have to go picking up everyones rubbish you see on the street because, gross - but giving something back to the community now and again is good. 

9. Become a shower person.


To be honest I've never been much of a bath person - I get bored easily and it's horrible getting out into the cold once the water has gone cold. I much prefer a sing in the shower with boiling water to wash away my sins. 


10. Turn off the bloody lights!!


That's all. 



G

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* This post was written in collaboration with UKE but all words and opinions are my own *


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DEALING WITH STRESS IN THE MODERN WORLD OF ALWAYS BEING 'BUSY'.

Tuesday, 6 April 2021

 [This is a collaborative post but all words and opinions are my own]


Is it just me, or does everyone love to come across as being stressed and busy all the time? I feel like all these Netflix shows we've seen growing up have made us aspire to always have a coffee in hand and a full social calendar, but the truth of the matter is that it gets tiring.  I love doing social things and I don't think I can spend more than a day just sat on the sofa all day watching TV, but I also feel the strain it has on me when I'm jumping from thing to thing and not giving myself any time to just relax. With it being stress awareness month, I wanted to touch upon what effects stress actually has on us, and the best ways to deal with it. 


tea with gi stress


So why is being stressed a bad thing?

A lot of people (me included) actually thrive off being stressed. I remember I'd do by best work at uni when I gave myself a week to do an assignment, because I knew if I didn't stick to my deadlines then I wouldn't get it done, meaning there was less time for procrastination and I just had to focus. I also hate having 'little pockets of time' between activities, so I always try and plan things back to back. Which works for a while but then it just leaves you feeling burnt out, unmotivated and just plain tired. 

Aside from the toll it takes on your body, not managing your stress whether that's at work or in your personal life can lead to more psychological affects like anxiety and depression. It can also keep you up at night and you might make more irrational decisions when you're not thinking clearly.


So how should we deal with stress?

 If you do find that the stress in your life is taking a toll on your mental health then speaking to your doctor might be beneficial, but here are some other steps you could take to prevent and control it. 


Write out everything that needs to be done


If you know you've got a lot on your plate during the week, write down everything that's stressing you out and what the solution for each task is. It's also important to think realistically how long each task is going to take and usually, if you get the thing that scares you most out of the way first, you won't be left with that feeling of dread the whole week. Things are a lot more manageable when you see them on a list in front of you, and we all know how good it feels when you get to tick things off a list!

Prioritise 'you time'

Whether that means going to the gym, painting, writing or whatever hobby you enjoy. Make sure you make time for yourself to do the things that you enjoy. A lot of people struggle to find that 'work/life' balance but it's important to make it a priority to block out time for yourself. I know a lot of people who 'work through lunch' at their own expense, but at the end of the day that is your time. So even if it means going out for a walk to get some fresh air, make sure you use it. 

Try natural remedies like CBD oil

For me when I'm feeling stressed or anxious about something, I usually find myself tossing and turning in bed until 3am. Which isn't ideal when you have an 8am start the next day! For me CBD oil has been great before bed as it helps calm me and fall asleep easier. Our Remedy specialises in CBD oil for women. Their formula contains essential oils such as clary sage and geranium, which is known to have their benefits for period pains and easing anxiety. They also infuse their CBD with different essential oils like peppermint and orange so it can be a great addition to your bedtime hot drink!

our remedy
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Disconnect

This is something that is often easier said than done, I know when I'm anxious or stressed about something coming up I probably think about it every day until the day comes. It's important to get in the mindset of 'not worrying about something that hasn't happened yet' and just trying to be present for everything else. I do that by either reading a good book (The Midnight Library currently), or going to yoga classes. Meditation and breathing techniques is something that works for a lot of people, it's just something I personally haven't got round to trying yet.

One thing to take away from this post, is to listen to your body. Remember it's ok to take breaks, and to ask for help. A lot more people are in the same boat than you think!

G




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MY HOUSE BUYING AND MONEY SAVING TIPS.

Tuesday, 9 March 2021

 [This is a collaborative post but all words and opinions are my own]


The day has finally come where I'm talking about buying a houses and mortgages on my blog - how time flies! It's crazy to me that we never got taught anything at school about 'real life' situations about how mortgages work, stamp duty and all that other adulting stuff. Luckily, both my mum and step-dad work in a bank so they have constantly been giving me the 411, and how important it is to start saving as soon as you can. Whether you're single or have a partner to purchase a house with, the important thing is to assess your own situation and what is financially going to work for you in the long-run. I am currently in the process of *hopefully* purchasing a house, and these are some of my tips:


tea with gi house buying


1. Open a separate savings account. 

I now have two: one for travelling and fun stuff, and the other for all things house related. You'll need to consider that apart from paying a deposit, you'll also have to pay a lawyer for the conveyancing, stamp duty, and of course to furnish it! I have mine on Natwest, and they offer me 1.5% interest as long as my balance at the end of the month is £50 higher than it was the previous month. 


2. Find out how much you need for your deposit and what you can borrow. 

In most cases, the money you will have to put into buying a house is at least 10% of the full price of the house. So if you want to buy a house that's £200,000, you'll need to save at least £20,000. Most banks will offer you 4X your salary, and will look at your current spending habits before agreeing if they're going to lend you the money. 


3. Find the right estate agent. 

Buying a house can be stressful, so sometimes it's easier to let someone else do all the hard work for you. GrowProperty help you understand what you can afford, and will be with you for every step of the process. They can advise on how to negotiate and making the best offer, arranging all the legal work, and help with all the paperwork. 


4. Be realistic. 

If I could, I'd love to buy a 4 bedroom house with a pool and a garden. The fact that I'd be having to do that on 1 salary means that is highly unlikely unless I won the lottery this year. Being a first-time home buyer means that the house you purchase won't necessarily be the house you live in all your life. It is however a good way to get on the 'property ladder' and have a place that is yours. In time your situation may change and you may need to upgrade or down-size, which you can do when the time and need arises. 


5. Make an expenses plan. 

I love spreadsheets, and I make one every year showing what my 'fixed' spendings are each month and what I'm putting aside for adult things/travelling. It's a good way to visually see what you're left with at the end of the month, and what you can actually afford to save every month. I've also been using Revolut 'Vaults' a lot to have separate savings for individual trips, luxuries and birthday/Christmas presents! 


6. Choose what's right for you. 

Not everyone is going to have the same 'goals' or things to tick off in life. A lot of people are fine with renting, or don't want to have roots in just one city. The same way as others may prefer to have a smaller apartment but have more money to spend on experiences, and others have always envisioned owning their dream home by 30. It's always useful to hear advice and tips from other people who have done it, but in the end the decision is yours! 


I hope this post has been useful, and whatever stage you're at it's important to not stress or compare. We're all on individual journeys! 

G


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10 FUN AND CRAFTY IDEAS TO INCLUDE ON YOUR WEDDING DAY.

Thursday, 4 March 2021

 [This is a collaborative post but all words are my own.]


You're probably thinking, Giana why are you writing a wedding themed blog post when you're very much single? Even though that's the case, one of my best friends is getting married soon! So we've been busy talking everything wedding related (and the hen night of course). Having a degree in events management also means that I've always enjoyed thinking about 'out of the box' themes and creative ideas for celebrations. If you or somebody you know are tying the knot soon, here are some ideas to consider for the special day. 




1. Make your own wedding invitations.

If you want to make your invites feel a lot more personal, then why not try making DIY wedding invitations? This way you can bring them to life however you want, and if you're not exactly fond of your own handwriting, invite your bridesmaids over and have everyone do their part for creating the perfect invites! 


2. Invent some signature cocktails.

I'm sure by the end of the night, most guests will be ordering beers, G&Ts or vodka redbulls. To keep things interesting at the beginning of the reception, have some unique cocktails to choose from. You could have fun with this and have some 'inside joke' cocktail names. 

3. Put disposable cameras on each table. 

Even though most individuals will take loads of photos to remember the day on their phones, having pictures on disposable cameras means you'll have something to take away from the night, and you can add them to a wedding photo album the old fashioned way!


4. Hangover relief kits for the adults. 

Even though your grandmother might only have two glasses of champagne, I think most people would appreciate a bag of snacks and goodies at the end of the night! I'd include a little bottle of mouthwash, an eye mask, some electrolytes and a bag of crisps. 


5. Have a guest icebreaker question or 'dare'. 

Under each guests' place card, write a dare or question they must ask someone at the wedding during the reception. The great thing about this is that you'll be able to personalise each one to the person, which makes it a great way to try set up your single friends or at least get conversations flowing! 


6. Send a collaborative playlist for the guests. 

Want to make sure nobody complains about the music on the night? Set up a collaborative playlist on Spotify and share it with your guests to add songs. Before the wedding you can choose to make this private again and edit the playlist as you please, as WAP might not go down very well at 9pm with your family around!


7. Set up a karaoke area.

There's always going to be guests who will say they 'don't dance', so how about they sing instead? You can hire a karaoke machine and keep everyone pleased. I can already imagine everyone hogging the microphone to sing High School Musical. 


8. Have a sweet cart for the kids (and peckish adults). 

A fun idea would be to have a pick and mix cart for guests either in a corner or going around the tables during the reception. If you'd rather have a gin cart, I'm sure that would also go down a treat! 

9. Create a # for social media for the wedding. 

Since you'll be too busy having fun on your big day to see all the photos you've been tagged in on Instagram, the best way to have all the photos from your wedding in one place is to create an official hashtag! You can have signs around the reception reminding guests what it is, or making it something simple like #AandBsWedding


10. Theme your centrepieces. 

I always said I wanted to have Disney movie themed centrepieces, but now that I'm a bit older and my interest have slightly changed. I would love to theme each table on a different city me and my 'future partner' have been to or places of importance. It's your day, so have fun with it!


With a lot of weddings being postponed due to the global pandemic, it is exciting that things are slowly getting back to normal and we can start looking forward to things. I hope you find any of these ideas interesting and consider them on your wedding day!

G

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