Infographic supplied by Furniture at work
Infographic supplied by Furniture at work
Most people don’t like going to the dentist, but it’s one thing not getting a kick out of having your teeth your checked and another to have a full-blown phobia of climbing into the dentist’s chair. If the thought of booking these appointments brings you out in a cold sweat, keep reading. The following suggestions could help you overcome your fear.
The dental surgeries of today are a far cry from the unpleasant smelling, sterile looking places they used to be. For the most part, surgeries are now friendly, pleasant and attractive. It’s also possible to find dentists who specialise in dealing with nervous patients. By selecting one of these surgeries, you can be confident that you’ll benefit from sympathetic treatment. Ask your friends and family if they can recommend a practice, or search online for dentists in your area who make a point of putting their patients at ease.
Most dental treatments can now be given painlessly with a simple local anaesthetic, but if you’re too scared for this, there is the option of sedation. Not all clinics offer this, but some do. For example, as long as you discuss your requirements beforehand and it’s considered to be appropriate, surgeries such as City Centre Dental Practice can offer sedation.
Once you’ve found a dentist you’re happy with, it’s a good idea to visit the practice in advance to have a look around and to meet the receptionists. This should make you feel more at ease when you turn up for treatment.
Another tip is to choose appointments early in the day. If possible, get the first slot so that as soon as you’re up and dressed, you’ll be heading out the door on your way to the dentist. The time of your treatment might not seem like a big deal, but it can in fact do wonders to stop your stress levels building.
If you think it will help to reassure you, consider taking someone you trust with you. This could be a partner, family member or friend. Your dentist won’t mind you bringing them into your appointment, and having someone with you could make you feel calmer and more relaxed. You’ll also be able to chat to them while you’re waiting to be seen, giving you a welcome distraction.
Try to understand that you’re in control of these situations too. By speaking to your dentist at the beginning of your appointment, you can find out what to expect. You can also agree a signal with the specialist that you want them to stop or take a break. This could be as waving your hand. Bear in mind that your first appointment will just be a check-up, so you probably won’t have to worry about drills or fillings at this stage. You may also want to start your treatment with something simple like a polish and clean to help you build up trust with your dentist before moving onto more complicated procedures.
OK, so you might never enjoy being in the dentist’s chair, but tips like these can help to take the fear factor out of these appointments.
How did you manage your money and relationship when you met some one new? How did you decide to split the bills, did you take out a joint bank account? Perhaps you share out the bills between you every month. Leave comments below and let me know how you manage finances with your partner.
When my now husband moved into my home, we decided to keep things simple, the bills all come out of my account and he transfers enough money to cover 50% of the outgoings each month. We have always done it this way and it works for us, we have now been married for 5 years and still do not have a joint bank account. We have taken out a joint savings account for holidays, Christmas or home emergencies.
Mrs Moneypenny from Channel 4’s SuperScrimpers has written a series of articles about making better financial decisions in 2015 over on the Experian 2015 Financial Success website. She has some great advice on how to manage finances and a check list on what to think about before you go from an emotional commitment to a financial one.
These are her top tips:
What is your partners attitude to money? Make a note of their natural tendencies, are they a saver or do they like to splash the cash?
Should you have a joint bank account? Unless buying a house together, it is probably best to not open a joint account as this will create a financial link between the 2 of you. Lenders will look at this link when checking your credit report and it may take your partners report into consideration when applying for credit yourself.
What constitutes a shared bill? Agree on what bills will be shared before hand, or you may end up paying half of his yearly golf club membership.
Big spending decisions? Set a limit of what you can spend on a purchase yourself with out discussing it with your partner.
Budgeting. Keep records of what is coming in and what is going out. Mrs Moneypenny is well known for recommending that everyone spends an hour a week on their own finances. We have a spreadsheet that shows what available money we have each month after all the bills are covered.
Saving. Open a joint savings account, agree on a sensible amount from your available funds each month to put aside. This is good for saving for a mortgage deposit or for holidays, new car etc.
Credit reports. Both of you should look at your credit report. These are updated monthly, and you will need to check all the information is correct. If you go on to apply for credit together, it will form a financial link on both your reports. There is further information on the Experian website about ways to improve your credit score.
Finally, don’t make it all about scrimping and saving. It’s important that you remember to treat yourself – and each other – at least once a year. For more about getting your finances in order when you get into a relationship there is more info on this money advice video from Mrs Moneypenny.
It has been exactly 2 months since we moved into our dream home by the seaside. It is some thing we have been planning to do for over 2 years. We had previously put our house on the market in 2013 and after several months and only a handful of viewings we scrapped the idea. Early 2015 we decided to try again, within a day of going on the market, we had 10 viewings booked and instantly received an offer just under asking price. Our dream of moving to the seaside suddenly became a reality and it did not take long to find our new home.
After the viewing we went for a walk along the beach and talked about finances, the house was slightly above what we wanted to spend, we could offer less but what if they would not go any lower? We made the call to the estate agents offering £7k less than the asking price, he came back to us with a no and also explained some one else had also made an offer. So we increased our offer and kept every thing crossed, but we received another call to say no. The vendor said he wanted a quick sale and gave us a counter offer, with the offer to remove the house from the market. We said Yes! We had just agreed the purchase on the house of our dreams.
Now it was time to sort the finances out to cover the cost of legal fees, arrangement of a mortgage and all the costs associated with moving. These are my top tips to get your finances in order ready for that important day, perhaps a holiday, getting married, Christmas or buying your first home.
1. First thing is to check your credit score: https://www.creditexpert.co.uk/advice/credit-score by getting a credit report, make sure all the information listed on it is correct. If there is some thing unusual on it, you can contact the company and raise a query. Your credit report will list all your accounts with banks, lenders etc and gives an idea to others how reliable you are at borrowing money. If your score is low, you can take steps to improve it making your options to get a mortgage a lot easier.
2. Make sure you are getting the most from your bank account, if you aren’t then move. Some banks offer great incentives, I recently moved to Halifax and took advantage of their offer of £100 for switching to them. They also give me a £5 reward for every month I credit my account with £750.
3. Use a website like Quidco to get cashback on purchases. It can be used on any thing from food shopping to holidays. So far this year I have saved £79.13 which I will use to do my Christmas shopping in December. You can transfer the funds to your bank account when you want them, but I save them up over the year and have them all in once to pay for our Christmas shopping.
4. Use an app to track your spending. It can be so easy to pop into town and spend a tenner here and a fiver there. By keeping track of exactly whats going out, you can set yourself a limit and always see how much money is left until your budget is gone or see how much disposable income you have each month and put some aside for your big event. My favourite app is Pocket Expense, which is free in iTunes.
5. Check you are getting the best deal for your providers such as gas, electric and telephone. Websites like uSwitch compare all the companies out there with what you are currently spending and will show you the best deal. When we moved into this house the energy provider was EDF, we looked on uSwitch and we could save over £300 a year just by switching to First Utility.
Do you have any tips for saving money? Leave them below or head over to Facebook and join the discussion there.