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  1. National lockdown number two starts in England from midnight tonight.  After the government’s big push to get everyone back to work, many will now be preparing to return back home to work once again!

    Whilst working from home seems like a luxury to some, it doesn’t suit everyone.  And, combined with the uncertainty of the current economic situation, working in isolation at home can cause heightened stress, loneliness and anxiety.

  2. It’s coming up to that time of year again… no, not Christmas, but the other time of year that all self-employed people start freaking out about… tax return time! 

    OK, not everyone freaks out as some of us do our tax returns as soon as we can, like in April as soon as the new tax year starts! 

    I’ve always wondered why people put it off until the very last minute...?  I love to get mine out of the way as soon as possible.  If you are prepared then you can do this too and stop all the panicking in January!

    The only thing I do freak out about is remembering to pay my bill.  I have several alarms at the ready near the end of January.  I always have the money saved ready to pay it and simply need to log in to my HMRC self-assessment online account to make my payment. 

    The first year I paid self-employment tax I did actually pay it right away, as soon as I completed my tax return.  But the payment just sat there in my tax account doing nothing.  They don't actually clear the tax balance due until it reaches the tax payment deadline. So since then I thought it better to earn interest on my tax savings until the actual due date!

  3. There’s no doubt about it - the coronavirus has turned our lives upside down and some things may never return back to normal.

    For many, the lockdown has been a time of reflection, making us realise how precious our lives really are and to follow our dreams.  For some, this dream might be to uproot and move to a new location.

    The pandemic might also have changed your working life and what you value in a home.  Perhaps you now want a home with enough space for an office so you can work at home. Or a garden in case we are cooped up inside for local lockdowns or self-isolation without the ability to leave our homes.  In which case an outdoor space can be a haven!

    But, is it really a good time to move house?  Let’s take a look.

  4. Is remote working: here to stay?

    The coronavirus pandemic of 2020 has totally turned our worlds upside down.  Life may never be the same again and in some ways this is great news.  If there’s one positive change that will remain once the pandemic ends then it’s the continuation of flexible working for the UK workforce.

    Flexible working arrangements and the ability to work from home have long been sought after by many employees for an improved work-life balance.  Most of us who work online or using computers already knew that our jobs can be completed just as effectively, if not better, from the comfort of our own homes.

  5. We’ve recently undergone a huge garden transformation.  Whilst we did splash out on some expensive porcelain patio tiles, which will hopefully last us a lifetime, and some new garden furniture as a treat, we did try to save money in many other areas to create the garden of our dreams for less.  

    If you want to update your garden on a budget then these tips, from my recent experience, might just help.  It’s amazing what you can create with some savvy shopping hacks and DIY ideas.  Here are several ways we saved hundreds of pounds on our garden makeover.  These include many simple and cheap DIY garden ideas to transform a garden on a budget!