It’s enough to leave us all thinking that anything else is a little mundane, however it is far from it. If anything it tells us to make the most of everyday life, to worry only about the things we can control, to rejoice in the mundane and make it as fun and worthwhile as we possibly can.

One of those mundane things is the UK property market. It seems that this will be flat for a while, with only growing regional differences to write about as London continues to exist within its’ own bubble.

But we have to deal with what we are faced by and whilst it may seem tough, there are always positives. With funding rates at an all time low there is an opportunity for many to finally make that move or to remortgage to protect themselves against the future.
Being able to borrow at just 1.90% would have seemed laughable a few years ago, whilst being able to fix for 2 years at just 2.49%, 3 years at 3.15% or 5 years at 3.64% a mere pipe dream.

With the unpredictable nature of things we also need to ensure that we all do all we can to protect ourselves. With fixed rates at an all time low, those of us who are more sensitive to future rate rises can act to secure payments. Those that have put off taking out the essential protection policies to ensure financial security should life take a nasty turn, well now is a good time to look into it again.

It never ceases to amaze me how many leave themselves and their families open to potential hardship by refusing to find the extra few quid it would take to secure their futures. After all, this is cash that is probably spent in the pub, or over a nice meal each month without thinking. Many of us spend more a month on coffee, (he says staring at a Starbucks cup), than we do on insurances that could literally save our home.

Whatever else is happening in the world, UK lenders seem hungry again for action and we should all be making the most of this. After all, there is not much point in us all going Back To Black.

RIP Amy.

Well, firstly because I am a big believer in sharing things from a therapeutic point of view, and secondly, because it does bring home how many people do not have any cover should they be unfortunate enough to suffer such a thing.

In reality however, as he concentrates on getting himself off life support and we help his wife and 3 young kids move home, it is the effect these things have on the rest of the family that needs to be thought of most. Even a small amount of critical illness cover can make such a huge difference. A few quid on an income protection policy the difference between seeing things through or having to sell up or change the kids school.

Too many people it seems take their health for granted, and the old adage that you spend more insuring your personal possessions that can be replaced rather than your own person still rings true.

I am not trying to oversell or depress anyone. All I am saying is think about it, get it sorted, and get on with enjoying your lives.

Luckily Elliot is a strong cookie, and whilst every day is a challenge he is getting there. In the words of his fabulous wife Susie, “It’s all good”.