Sports can be one of the most enjoyable hobbies that you’ll ever indulge in. With countless different sporting activities to pick from and enjoy with friends and family members, there’s no doubt that it can become a lifelong hobby. Perhaps you’re not feeling too keen on the NHL one day so you decide to check out the latest soccer game or NBA. Maybe you’d like to explore extreme sports such as skateboarding and snowboarding, or perhaps you want to jump on the latest eSports gaming craze. Whatever you enjoy, sports offers a huge amount of variety. However, you also need to enjoy it responsibly because it can easily consume all of your time and money if you’re not careful. Be safe when participating in sports Even if you’re not doing something like skateboarding or snowboarding, it’s essential that you practice safety when engaging in sports. This means you should wear the right safety equipment, ensure that the area you play in is safe, and also make sure that you’re playing with people who aren’t going to be extremely rough and tackle you aggressively. Make sure you stay safe when enjoying sports so that you don’t injure yourself, and practice preventative measures to keep your body in good condition whenever you play. Having fun with fantasy teams and gaming There are a lot of gaming options when it comes to sports. Whether it’s placing a little bet on your favourite team for the thrill, enjoying a sports video game or even playing a fantasy league, there are lots of options for you to pick from. However, it’s important to enjoy this responsibly so that you don’t overdo it. For example, you should refer to websites like BetMGM if you’re going to play in fantasy leagues so that you can get a good idea of the best players and teams to pick. This will help advise you and give you a better understanding of how power rankings work. Similarly, you could remember that video games are a hobby to be enjoyed. Nowadays, you can often spend a lot of money creating fantasy teams in the latest FIFA, NBA and NHL games. While it can make you happy to get your favourite player, you should remember that the chances of getting them are incredibly low and that you should only spend disposable income on those games. Watching sports in moderation With so many different sports on television every day, it can often feel overwhelming to keep up with everything that’s going on. The way people watch sports is changing and switching to a mobile-dominated world, meaning that most people keep up with highlights and the latest news on their phone. Since all you need to do is unlock your smartphone and flick through, it can easily consume your time if you follow multiple sports. As such, we highly recommend that you moderate your sports viewing so that you don’t overdo it. Try and keep an eye on how much screen time you have and don’t hesitate to restrict yourself if you find that you spend way too much time watching sports.

We’re all looking for innovative and easy ways to save money, especially in our homes. It’s often the little things that get overlooked, so we’ve outlined our top tips for keeping energy costs down without the hassle. Wash large washing loads at lower temperatures Doing one full load of washing per week, at a lower temperature, can save you money over the year. Small changes like this add up and even if you don’t notice an instant saving, you will in the long-run. Washing at a lower temperature is still an effective and an efficient way of cleaning your clothes. Limit shower time We know it can be hard to pull yourself out of that warm flow of water on a cold winter’s morning, but simply reducing the time spent in the shower can save energy. Try to limit showers to a ten minute slot; you could even set a timer so you don’t get carried away! To help make small changes, you can check whether you qualify for these free water saving products, including a four minute shower timer. Always turn lights off when you leave a room This is particularly important for larger families, especially with young children. Without realising it, you can find yourself with increasing energy bills because lights are being left on in rooms that aren’t being used. If you are someone who likes lights to be on when you return to an empty home, don’t leave them on all day. Instead, pick up an electric timer so you can schedule when you want the lights to turn on. This is ideal for security. Don’t be a drip A running tap wastes more than six litres of water a minute; consider turning it off while you brush your teeth. Save on your water bills further by simply turning your taps off properly. Dripping water can add up throughout the year, accumulating on your bill. Defrost your fridge and freezer Removing excess ice from inside your fridge and freezer allows the appliances work more efficiently. Ice takes up room in your fridge/freezer, making it less productive, thus increasing your energy bills. Quality fabrics Investing in a good pair of thermal curtains can assist in saving you money on your energy costs. The material further insulates your windows, keeping heat in and blocking out any cold air. Well Insulated If you are a home owner, evaluate your insulation situation and upgrade your standard double glazing in your home to the latest energy saving glass. You don’t need to replace the frames; just the glass. There are many other ways you can effectively insulate your house including: Loft / attic insulation Cavity wall insulation Insulating tanks, pipes and radiators Filling in gaps in floorboards Repair double glazing Broken double glazing panels can lose precious heat from your home. If you notice they have clouded up or look like they have moisture between the panels, it might be worth seeking professional advice on how to get this issue fixed before it becomes a major problem in the future.  Don’t overfill the kettle We can all be guilty of filling the kettle to the brim, only to make one cup of tea for ourselves. Save energy by only using what you need. You can even purchase kettles that are specifically designed to boil for one brew, such as this Russell-Hobbs one, which boils a cup of water in 45 seconds!  Switch off and save We often don’t realise that appliances such as televisions, stereos, and microwaves still use energy when left on standby. Simply unplug them when not in use to help keep energy costs down. Unplugging your phone / tablet chargers can also save energy too. Switch your energy provider Many people could save on average around £200 per year by switching their energy provider. Use websites such as: uSwitch Money Supermarket UK Power Compare the Market However, check with your current company on cancellation fees, as you don’t want to be hit with any unforeseen charges. Ditch the draughty doors A simple, but effective way of keeping heat in your home is to invest in draught excluders. These are relatively cheap, but are a great way to lessen those pesky draughts from gaps under doors. Turn your heating down by just a couple of degrees UK winters can often be harsh and temperatures can drop dramatically over night. This causes many of us to crank the thermostat up, pumping high levels of heat throughout our homes. However, a simple way of reducing your energy output is to turn the temperature down by just a couple of degrees. You won’t feel a difference, but your pocket might. On average, turning it down by just one degree can cut heating bills by 10 percent. Cloudy2Clear

Being your own boss has lots of advantages but running a busy business can leave you feeling tired and worn out from time to time. Self-employed business owners and entrepreneurs typically take a very hands-on role, which often results in them burning the candle at both ends. If running a busy business is top of the agenda, it’s important to consider the impact it’s having on other areas of your life. Working long hours or taking on too much can have a negative impact on your health, particularly if you’re feeling stressed or anxious. Fortunately, there are simple ways to take care of your health without affecting your work. To ensure you stay healthy while running your business empire, take a look at these top tips now: Eat a nutritious diet When you’re working all day, every day, it’s easy to forget to eat at regular times. Entrepreneurs may go for too long without consuming anything, only to binge on fast food when hunger takes hold and you simply cannot resist. If shopping and preparing nutritious meals every day sounds a little over-ambitious, why not try a much simpler established diet plan instead? When you use a nutrition plan as a basis for your healthy diet, you won’t have to think about what to eat or when to eat it – it’ll be almost effortless. Furthermore, a nutritious regime, like John Cena’s diet plan, can help you to get the right mix of macronutrients and vitamins. When you’re fuelling your body correctly, you have more energy and reduce your risk of developing health issues, so it’s a great way for business owners to stay healthy. Get regular exercise If a busy work schedule leaves you with limited time to spend with family and friends, you probably aren’t getting enough time to work out on a regular basis either. However, exercise is a critical part of a healthy lifestyle, so it’s important to find a way to fit it into your usual routine. If you work from home, why not take a brisk walk around the block every lunchtime or even jog around your garden? Alternatively, if you work away from home, why not switch commuting in the car to travelling by bike? When you really can’t spare the time to get outside to exercise, you can use office-friendly equipment to increase your heart rate. Innovative under-desk treadmills and exercise bikes give you the chance to stay fit while you’re working, and wearable weights help you to build muscle strength. You should also complement exercise with frequent visits to medical experts says this dentist in Melbourne. Focus on your mental health Running a business is inevitably stressful at times, which naturally has an impact on your mental health. Many entrepreneurs spend the majority of their time at work, which leaves little room for maintaining relationships. This can exacerbate mental health issues and leave you feeling isolated. If you feel your mental health is negatively affected by your work, or anything else, don’t hesitate to seek help from a medical professional. In addition to treating your symptoms with prescription medication, you could be referred for online therapy or counselling. In addition to this, there are numerous self-care options that can help you to minimize anxiety or stress. Yoga, meditation and mindfulness can be practised daily and in any location. You can even use them in the office to help you stay calm and focused. Maintain relationships No matter how hard you’re working, it’s important to make time for the people you love. Factor in time to spend with your partner and family on a regular basis and be sure to maintain friendships too. If you can’t attend as many social events as you’d like, why not host a virtual meet-up? Even checking in with friends via text or email will help you to maintain contact in busier times. Having fun, relaxing and laughing are all very good for the mind and body and will help you to de-stress naturally. Furthermore, getting out of the office and doing something different will help you to stay creative and motivated. As well as benefitting yourself, you’ll be enriching the lives of the people closest to you when you make them a priority. Cultivate a Health-First Workspace If you’re an employer or you regularly work with freelancers and subcontractors, you can encourage them to manage their health more effectively too. By giving people the time to take exercise breaks or providing access to healthy eating plans, for example, you can ensure that those around you are as focused on staying healthy as you are.

When you decide to separate from your partner, there will be things you need to work out. The partner your separating from could be your civil partner, wife, or husband, even if you’re not choosing to end your marriage or civil partnership straightaway. You need to have been married at least a year before you can end it.  It may also be a partner that you live with or have children with, but you live as if you are married. Some of the things you may need to work out include: Where your children will live and how often they will see each parent.  How to divide any money  How to divide any belongings  Whether you can both afford to pay the bills once you have split You shouldn’t feel pressured to make any decisions as they may not be right for you. You will have more chance of making good joint decisions if you wait until you are ready to talk. Agreeing Your Arrangements You don’t really need to go to court to decide what to do if you separate unless you can’t get on with each to make an agreement. It can be much cheaper and often quicker if you can come to an arrangement yourselves. Some other thing you should consider include: Child maintenance – You are both responsible for the cost of looking after your children, therefore the parent who the children aren’t living with may need to pay child maintenance.  Deciding what to do with your home- You need to come to an agreement between yourself a to what is happening with your home, is one of you going to stau in the home? Or are you going to sell? Or both move out and end the tenancy? Managing your money – You may be able to come to an agreement betwween yourself as to what happens to your finances, however, at times some people need legal help to sort out things like a pension sharing order.  Who Should You Inform That You Are Seperated If you pay council tax you need to let your local council know, you will pay less if you are living as a single person.  You will also need to let your local council know if you get a council tax reduction to Housing Benefit.  If you get other benefits your claim may change if one of you leave the couple, so tell the office the details when you have separated. There is normally a 30 day deadline.  If you are splitting from a long-term relationship it helps if you can already decide and agree on areas like :  What is going to happen to your children – whole will they live with, what will contact be, and how much is the other parent going to pay towards them?  What will happen to your finances?  What will happen to your property?  If you can’t come to an agreement, you may need to go to court so a judge can look at the facts and make a decision for you.