This afternoons activity with Daddy looked like lots of fun: they gathered sticks and the kiddies built their own pile of firewood for a camp fire. They then sat around the fire pit to test whose camp fire would flame up the best!

Isla created a very structured camp fire, logical and a pattern to where she placed her sticks. Noahs looked more sporadic but covered a wider area.

Neither camp fires took fire, it was quite windy. So the kiddies enjoyed a hot chocolate and marshmallow around their piles of sticks.

They had fun though and that’s the main thing. I’m loving all of these practical tasks they’re doing with Daddy.

I’ve been waiting, all day, for someone to tell me it’s all a dream and we are still going to Dubai. But, unfortunately, no one jumped out screaming April #fool and alas, we are still at home. I’m gutted.

Lots to look forward to though and right now it’s about focussing on our main objective: stay at home at all times, unless to buy essential food & walk the dogs! I have actually loved being at home everyday. It’s my favourite place.

#mummyphotoaday

This afternoons activity with Daddy...

“We are very excited to try out this new food from Forthglade, it smells woofing delicious” 🐾 Straight from the doggies mouth!

I am very excited to announce that I am a new ambassador for @forthglade. What does that mean? Well, I get to try out the products and tell you all how good they are and get special offers and discounts for my followers too!

It’s such a strange time with lockdown, however finding out about Forthglade couldn’t have come at a better time. When I went to get our usual dog foods in the supermarket it had all sold out. So, resorting to online orders seemed a very natural thing to do to ensure our furbabies are fed.

This food is a minimum of 75% meat or fish and is free from junk. With Snoopy, he has a tummy condition which means we have to be careful what he eats, it’s perfect. We will keep you posted on what they thought! 🐾 #gifted

“We are very excited to...

🌼 April is here and along with it comes another set of photo keywords for #MummyPhotoADay photo challenge.

We should have been flying to Dubai today, so my insta squares would have been very different to what they now will be. I’m expecting to see lots of Spring colours and stay at home families instead this month.

Don’t forget to use the hashtag #mummyphotoaday so I can comment and share my favourites throughout the month.

Does anyone have any creative stay at home plans for April?

🌼 April is here and...

My favourite pics from March #MummyPhotoADay - a massive thank you to everyone that took part. We have had a lot of new members this month and it’s been really hard picking my favourite 9! There are now over 4,000 photos to choose from.

All photos are tagged, but from left right:
📷 @cultivatingdelight
📷 @newmummyblog
📷 @confessionsofacrummymummy
📷 @houseofbaughs
📷 @sahrazade
📷 @otisandus.blog
📷 @_lisaslife_
📷 @socalshopgirl384
📷 @descendants_of_war

I’ve really loved seeing photos from @anywaytostayathome, @the_mummy_editorial, @freyalexandra, @becsbrewtifullife & @canonjacq.

All you have to do to join in is add #mummyphotoaday to your caption and the keyword of the day... I’m very excited to see what April has in store for us. Lots of fun “Stay at #Home” themed photos!

Thank you to everyone that joins in 📷

My favourite pics from March...

The kiddies had a lot of fun playing in the bath today. Swimming pools are closed, it’s too cold to get outside in a paddling pool so we put our swimming costumes on and pretended!

The kids had loads of fun making sparkly bath water and foaming soap shapes with @kidsstuffcrazy products. It’s amazing how fun products like this can keep the kiddies entertained for hours.

They literally played in the bath for an hour. The water had gone cold by the time they got out. It was the perfect indoor fun activity, especially as it was wet outside today.

If you’re homeschooling and self isolating with young children why not make a fun bath and invite the kids to make a mess with whatever you have in the bathroom! We also tried to make our own bubble bath using washing up liquid and #citrus juice - it wasn’t a nice smell 😂 the kiddies will try again in the week.

You can get the Magical Sparkle bubble bath and Foaming Soap from Kids Stuff Crazy at @superdrug - check out my review on the blog. #linkinbio

#mummyphotoaday 🧼

The kiddies had a lot...

Today has been a busy day, but nice and chilled at the same time. We let the kiddies have iPad and Xbox time this morning; our homeschool doesn’t give out homework! They built some cool stuff in Minecraft and worked together. Which was nice to see.

After lunch we took a longer walk than in the week, across the river. This is a walking route that is direct from our doorstep and took us 90 minutes in total, part of our one exercise a day under lockdown rules. It was nice to get some fresh air and just talk about whatever comes into our heads. We spoke about a lot of random things. 7 & 9 year olds do come out with some funny comments. Noahs favourites are “would you rathers”. We got home and Daddy made a delicious roast dinner and I did a deep #clean in the bathroom. Then had a long hot bath!

No rush for any of these things as we seemingly have about 12 weeks of working at home and possibly months of homeschooling. I just hope we can have family over soon as we miss them all.

#mummyphotoaday

Today has been a busy...

I am running a day behind 🤦🏼‍♀️ I keep falling asleep and not posting my photos. I’ll catch up today... This is #fresh. Getting out in the fresh air has been a complete dream over the past week. When you’re told you can’t do something, it makes you want to do it more. Like when Hubby said we have to be careful about the food we eat, I wanted to eat it all!

This photo was the kiddies playing football with Daddy whilst I walked with them with the doggies. It’s something that’s becoming a habit after we finish homeschooling.

It’s a shame as Daddy normal gets out all of the time. On a typical Sunday he’ll go out for a 3 hour bike ride in the mornings. Possibly go swimming with the kids too. Walk the dogs with us later in the afternoon. I think this “1 exercise” rule will be effecting him more than anyone else I know. It’s also makes family decisions hard, if Daddy goes out on his bike he can’t walk with us. It’s very necessary with the lockdown rules. 
Just think how much we’ll all appreciate a long bike ride and driving to the beach for the day when all of this is over.

#mummyphotoaday

I am running a day...

Until tomorrow...

Until tomorrow...

What is a Reverse Mortgage?

Retirement is said to be a time to reflect and relax. It is a time when you probably want to do more with the free time you have. However, that can be difficult when you are limited by a fixed income. To make up for that problem, your home is a great resource, especially if you take out a reverse mortgage. You might have heard about a reverse mortgage before, if you haven’t; read on for more information.

Receiving Money with a Reverse v Standard Mortgage

As you may know, a standard mortgage typically requires you to agree to a payment period, such as five years. Within that period, fixed amounts and dates are established. You must make those payments by those dates. Failure to do so results in defaulting on the mortgage and facing eviction.

The payments on a standard mortgage start soon after you initially receive the money you need. Therefore, it is an extra burden, not a relief. A reverse mortgage is different because you are never required to pay any amount back early in the proceedings. In fact, you are encouraged to take many years to make restitution on the loan. That means you can take the funds and use them for your preferred or necessary purposes without the burden of a set mortgage payment you have to make each month.

Fund Distribution Options You Can Select

Another useful thing about a reverse mortgage is the fund distribution is up to you. You can choose whether to receive one payment or monthly installment payments. You can also choose neither. Instead, you can opt for a line of credit you can draw from whenever you want for as long as money is still in the account. The monthly installment payment is often chosen because it can somewhat simulate receipt of a regular paycheck again for a time. That makes the method helpful for paying recurring financial obligations. 

Making Sure Your Property is Reverse Mortgage-Friendly

Not every property qualifies for a reverse mortgage. To qualify, yours must have a living structure on it, such as a house or small apartment building. You must also use the property as your main home. Temporary residences like vacation homes do not count. Additionally, if the building is an apartment building, it must meet federal standards for reverse mortgage eligibility.

Making Sure You Also Qualify

Assuming your property qualifies for a reverse mortgage, the next step is to check your own qualifications. You must be at least 62 years of age. If your spouse is co-signing the agreement, he or she must also live in the residence and meet that age requirement. You must also prove you are capable of maintaining the property financially, since you will continue to be the owner while the loan is active.

To be considered a permanent resident on the property, you must typically not leave the property for more than one year at a time. That leeway leaves plenty of room for taking vacations or dealing with unexpected issues, such as brief hospital stays. However, the length of time allowed by your lender for temporary property absence may vary, so be sure to check it before signing the contract.

The Bottom Line

The information above should clarify many aspects of the reverse mortgage process for you. However, the bottom line is you need as much information as you can get before making such an important choice. You have to consider the process from all angles, so talk to a reverse mortgage counselor. He or she can tell you exactly what to expect, including going over aspects like interest payment, property maintenance requirements and government borrowing caps. Then you can know exactly what to expect when you meet with your lender.

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