my blogmy blog

my diary
Property
81 Castle Drive, Kemsing

£399,000 

http://thegoodestateagent.co.uk/property/castle-drive-sevenoaks-tn15/ 

Kemsing is one of the loveliest villages in the Sevenoaks district. Quiet and unassuming, it has everything that anyone could possibly want; a great primary school (OFSTED rated good in 2017), a post office, local shops, close to the main transport links and yet tucked away in the Kent countryside. Step out of your front door in Kemsing and you will be greeted with village life, the chance to go for a refreshing walk across the Downs, and the kind of community that helps one another out.

Kemsing

So now that 81 Castle Drive is on the market, this could be your chance to become part of a true Kentish village with all the amenities you could ask for. As for the house, you can move right in and not have to lift a finger when it comes to refurbishment or redecoration; the current owners have cared for this property well in the 14 years they have lived there.

Castle Drive is a sought after location in Kemsing. Just off Childsbridge Lane which will take you to Seal and on to the M20, or Sevenoaks and the M25 or A21, yet still within walking distance of those wonderful walks we mentioned earlier, as well as the local shops which include a convenience store and takeaways, you are well placed to enjoy everything Kemsing has to offer.

81 Castle Drive itself is a three bedroom (two double and one single) semi-detached house built in 1950. It has been sensitively re-decorated by the current owners to become a bright, light, modern home which includes a large garage in the back garden for storage (or perhaps for use as a studio if that is what you need) and a conservatory, currently used as a utility area, but which would be a beautiful suntrap in the summer months.

The kitchen is well-equipped and it leads to the dining room to make family meals an easy task. From there you can enter the living area, which in turn leads out to the hallway and back to the kitchen. Upstairs are the three bedrooms (the master has a built in wardrobe) and a good sized family bathroom with a bath and shower over.

The back garden is a delight. It is a great size and has not only a lovely patio area, but also plenty of lawn and a decked area too. It’s ideal for entertaining, enjoying family time together, and it is easy to maintain.

The house also benefits from off street parking on a driveway to the front with room for two cars, and plenty of street parking (with no restrictions) if more is required.

Plus, there is no onward chain.

The property is marketed through The Good Estate Agent (Sevenoaks Area) who can be contacted on 01732 617066, or via www.thegoodestateagent.co.uk.

Property ref: 7730

Lisamarie Lamb | 30th June 2019
Lifestyle
4 Ways To Stop Your Children Being Bored This Summer

It’s really not many weeks now until the long summer holidays are upon us – your children (and possibly you) will be counting down to that last day of term with a huge amount of excitement and endless possibilities of the fun they can get up to flashing through their brains.

But, whether you have six, seven, or eight whole weeks of time away from school, not every day is going to be a fun one. There will be homework to do, chores to complete, not to mention the fact that going out all the time is both exhausting and expensive. So yes, there will be times when boredom creeps in, no matter what other plans you might have. In order to prevent this from happening as much as possible, or at least diminish the impact, here are some great ways to stop your children being bored this summer.

Build A Fort

Building forts out of furniture and bed sheets may have fallen out of fashion due to the plethora of tech that children have to play with these days, but there is nothing quite like the fun and giggles that building one can give you, so why not give it a try? If it makes a mess, does it really matter? Everything can be put back when the kids are finished enjoying themselves, and no harm will have been done.

children

They might want to turn it into a den for watching a film – another good distraction for a little while, allowing you time to do the housework, catch up on emails, or simply sit with them and have a rest – or colouring, or playing with their toys. You don’t need to spend any money to create it, and it will amuse them for hours.

Go Outside

If you’re lucky enough to have a garden at home, spending some time in it will do the children good, and they’ll even get some exercise (without realising it!) when they’re running after a ball or playing chasing games.

children

A paddling pool and some shade for hot days, a good imagination for all days, a few garden toys, and they’re all set. They can even invite friends over and not disturb you if they’re playing in the garden all day. Give them a picnic lunch and keep them topped up with drinks and that’s it.

Rearrange The Bedrooms

We’ll admit, at first glance this idea does sound like more of a chore than a fun thing to do to stop children being bored, but this is not just tidying up – this is complete reorganisation, and that can be exciting.

children

Try working out different ways to have the furniture in the room to maximise space or make it more comfortable. It might be that the bed is where it is because that’s where the removal company put it when you moved in, for example, but is there a better spot for it? This is hard work and should be planned out before any furniture is moved, but it can be a worthy thing to do.

Do Some Baking

Baking is always a fun thing to do, and since you end up with a sweet treat at the end of it, it’s even better. This can be messy – the younger the children the messier it tends to be – so be prepared for a tidy up session at the end (get the kids involved in that, too). This can be a fantastic bonding experience, and it will all start with choosing exactly what you are going to bake, shopping for the ingredients, and then putting it all together.

children

Check out this website for some great baking ideas.

Lisamarie Lamb | 22nd June 2019
Health and Wellness
Exercise For Mental Health

The idea of exercise is always a positive one. The reality, of course, is often far different. By the time we get home from work we’re often exhausted or too busy to do any meaningful exercise. And it’s not just in the evenings that we have trouble getting it done – exercise is the thing that most often falls to the bottom of the to do list.

Yet knowing how important it is and how it can actively improve your mental health might be what makes the difference and gives you the impetus to do just half an hour or so of good exercise each day. Read on to find out just what it is about working out that keep your mental health positive.

mental health

Stress Relief for Better Mental Health

Studies have shown that exercising is good for reducing your stress levels. Stress can take a terrible toll on your mental health, and everyone is stressed to some degree. Some stresses might be small, easily dealt with, short term problems, and these are completely normal.

Others, however, might be much more dangerous. Long term – chronic – stress can cause many different health issues including:

  • Heart disease
  • Heart attacks
  • High blood pressure
  • Stroke
  • Organ failure
  • Ulcers

But it’s not just physical problems that long term stress will cause. Your mental health will suffer too. You could develop depression or anxiety, for example. So ideally you will want to reduce your stress as much as possible, and if you can do it without taking medication then all the better.

Exercise is a great way to relieve stress. When you are concentrating on working out, playing sports, taking a brisk walk, or however else you want to exercise, you aren’t thinking of the problems that are causing you stress. Even if it’s just for a little while, your work issues, relationships, money worries, even your health situation, can be forgotten, and if you can do that, your stress levels will reduce.

Better Social Life

Loneliness is a condition that is bad for your mental health if it goes on too long (although a little ‘me time’ every now and then can actually help you feel better). If you join a gym or go to a regular exercise class, or if you go running and get to see other people, for example, you can alleviate that loneliness for a little while.

Even for the most introverted of people, this brief moment of connectivity could be enough to make your loneliness disappear.

mental health

Anger Control

Some people have a problem controlling their anger, and this can make them become stressed which, as mentioned above, has a lot of problems associated with it. It can also cause problems with relationships, leading to loneliness, and it can make work difficult.

A good exercise regime will help to quell those feelings of anger, keeping them under control and allowing you an outlet for your emotions. When you get back to ‘real life’ you will feel happier, healthier, and find it easier to let things go rather than become angry over small issues.

If you find that your anger issues are more deep seated and exercise helps but only temporarily, then seeking expert advice is always the best course of action – your life is important and you need to be happy for as much of it as possible.

Conclusion

Exercise is something that we should all try to incorporate into our lives when we can. It might not be every day, it might not even be a regular occurrence to begin with, but getting started in the most important step. After that, as with anything, the more you practice the better you will get and the better it will feel.

Lisamarie Lamb | 9th June 2019
Business Lifestyle
Is Your Workplace Toxic?

Work takes up a huge amount of every day, so it makes sense that it should be a good place to be – you should enjoy your work, and your workplace, otherwise every other aspect of your life is going to be affected. You might even develop mental illnesses such as depression and stress, or your unhappiness might manifest in physical ways; heart disease, obesity, high blood pressure, ulcers, and much more can all come about from working somewhere unpleasant.

Not enjoying your job is one thing, but what if you are actually working in a toxic workplace? This is when the situation becomes desperate, and finding a new job should be a top priority. Here are some of the signs that your workplace is making you not just unhappy, but potentially unwell.

workplace
Is your team supportive?

You Dread Going To Work

On occasion (usually on a Monday morning after a lovely weekend at home), everyone is going to ‘dread’ going to work. But is it really a dread, or is it just a feeling of preferring not to? When you actively dread heading off to your workplace in the morning, and that dread is there every single day, then there is clearly a problem. Your workplace could be a toxic one.

You should never feel this way about your job. Life is too short, and there are many opportunities out there for you; you may have to retrain or think laterally about where your skills can take you, but being happy is the main thing and that is what you really need to consider.

You Don’t Feel Appreciated

Getting feedback at work is crucial for anyone to develop and become more successful. If you never hear a word from your boss about how you are doing, or you’re always the one doing the chasing when you want some kind of critique on a project or assignment you have been doing, then you are sure to feel under-appreciated.

When this happens, you might become less productive; what’s the point in bending over backwards if no one cares that you are working hard and going the extra mile? Something that you used to think matters will now how a much lower place in your heart and mind.

That’s not right.

You should be able to love what you do, feel appreciated, and feel good about the work you are carrying out. You should be able to work in a supportive workplace. Not even being acknowledged is a bad sign and one that you shouldn’t ignore.

workplace
Workplace stress is toxic

Your Workplace Worries You Even On Days Off

When you have a day off from work, what do you do? Do you enjoy it, not think about work at all (or if you do it’s only to determine the next step and what you will start with when you get back to it), and relax? Or do you constantly worry about your job, finding it frustrating and irritating? Does it make you angry? Are you unable to wind down?

If the latter is the case for you, it’s time to get out. It’s true that work is important, but it’s not everything – you need to make time for yourself and your family and anything else you want to do. If work is taking up all of your rest time as well as your work time, something’s wrong.

Conclusion

If something feels wrong about your place of work, whether it’s something tangible or just a gut feeling, and if that place of work is making you miserable or even ill, you need to leave. Yes, that can be easier said than done, and finding a new job isn’t always easy, but if you don’t start the search then you’ll never find your next – happier – position.

Lisamarie Lamb | 1st June 2019
Property
DODGY DÉCOR FAILS ARE COSTING HOME SELLERS CASH INVESTING JUST £300 CAN ADD UP TO £10K ON TO YOUR HOUSE VALUE
  • Aldi teamed up with interiors star, Anna Ryder Richardson, to makeover a home in under two hours for just £300 adding an average of over £8k to the property’s value
  • One in five buyers say that hideous décor is one of the biggest turn-offs when looking for a house
  • Nearly half (44%) offered less for a property because the interior was not to their taste

New research released by Aldi has revealed that almost one in five (19%) Brits claim that dodgy décor can be one of the biggest turn-offs when house viewing. Aldi surveyed 2,000 UK home owners to celebrate their Kirkton House range, which features a choice of quality interior products at everyday amazing prices.

Following the research, Aldi challenged home interiors star, Anna Ryder Richardson, to add value to a property with a budget of only £300, and using just the Aldi Kirkton House interiors range. The three bedroom, semi-detached home in Dartford, Kent, was evaluated by three local estate agents, before and after the makeover, and the property’s value increased by up to £10,000 across each valuation* – simply thorough decluttering, furniture rearrangement and the addition of stylist interior accessories. Watch the video on https://www.aldi.co.uk/kirkton-house.

According to the survey, quick upgrades can make a big difference for 34% of home buyers who say that stylish furnishings make them more likely to buy. The kitchen came out on top, with almost three quarters (72%) stating it’s the most important room to look good during a viewing. Real estate turn-offs were dark rooms (50%), awkward layouts (36%) and overgrown gardens (32%).

After seven viewings sellers consider making changes to their home to help shift it, with desperate owners splashing out on average £900 to finally make a sale. When it comes to age, image-conscious 18-34 year olds are spending over five times more (£3,131) than the thrifty 55+’s, who on average part with just £543 to shift their property.

Home interiors star, Anna Ryder Richardson, comments: “Together with Aldi, we’ve proven that you don’t need to break the bank to spruce up your interiors and help make that sale. We spent a third of what home buyers think they need to spend and increased the property’s value by an average of over £8k! It’s easy to invest a small amount and make a big difference. Here are some tips from the makeover to try at home:

  • Define the space in each room. A beautiful woven rug can indicate how a room should be used and brighten up a space in one easy step – try placing a colourful option in the centre of the living room to create a fun colour pop like the Aldi Kirkton House flatweave rug in navy blue
  • Make sure your rooms look spacious, appealing and homely. Consider the layout of the room and whether it feels welcoming to walk into – decluttering is a must and try shuffling the furniture around to experiment with different arrangements. Aldi’s Kirkton House Adjustable Desk Lamp will help to light up any room and add a warm feel
  • For house viewers, the kitchen is key – make sure your dirty plates aren’t still in the sink and set-up table places and crockery to show viewers what your home would look like to really live in it. Aldi’s wide range of quality Kirkton House cutlery and dinnerware can help to set the scene
  • Think about the overall interior design in your house – do you have personal items on display that perhaps don’t match the décor? Take down a few personal pictures here and there for a slicker look. Aldi’s Kirkton House storage baskets will come in handy here!
  • Make first impressions count and don’t forget your hallway! Place a nice welcome mat down and tidy-up shoes lying around in the space – Aldi’s Kirkton House Designer Lounge and Hallway range has hallway-specific show stoppers from a stencilled, geometric-design mat to a fun cactus hallway doorstop
  • Make the most of your outside space and opt for bright colours for the garden – colourful, patterned cushions and garden dining ware will come to life against the organic backdrop of green grass and bright flowers. Aldi’s Kirkton House Printed PVC Tablecloth in lemon print and decorative glass balloons will look fantastic in the sunshine and spruce up any garden”

Julie Ashfield, Managing Director of Buying at Aldi, said: “As the housing market is so uncertain, we’re happy that we can offer the security of consistently low prices in the Kirkton House home range. With a choice of quality and everyday products, the range can help you upgrade your home on a budget.”

Lisamarie Lamb | 18th May 2019
Arts & Entertainment
THE UK TOUR OF LITTLE MISS SUNSHINE

Lucy O’Byrne and Mark Moraghan are to join the cast of the quirky off-Broadway hit musical Little Miss Sunshine for its UK tour which begins at Churchill Theatre, Bromley on 16 May 2019.

Irish actress and singer Lucy O’Byrne will star as Sheryl, the matriarch of the eccentric Hoover family. Lucy shot to fame on The Voice (BBC) in 2015 and was the runner-up that year. Her theatre credits include Eva Peron in the Evita UK tour which ran at the Churchill Theatre in July 2018, Fantine in Les Misérables (Queen’s Theatre – West End), Maria in The Sound of Music (UK and Ireland Tour), River Woman in Therese Raquin (Park Theatre) and Tzeitel in Fiddler on the Roof (Gaiety Theatre-Dublin).

Mark Moraghan will be Grandpa (the role that won Alan Arkin an Academy award).  Mark recently appeared as Tim Richards in Emmerdale and is perhaps best known for his roles as Adrian Mortimer in Coronation Street, Owen Davis in Holby City, Ray Wyatt in Dream Team, Greg Shadwick in Brookside and Eddie Quinn in London’s Burning.

Lisamarie Lamb | 18th May 2019
Services
Busy Times…

It’s been a while since I last posted anything on my blog, but I do have a good reason (excuse?) for that… I have a new job.

Although freelance writing is what I love to do, it just doesn’t pay the bills, plus it has meant that I haven’t written any fiction – my favourite thing – for a year or more. So I had to find something else to do; something that would suit my lifestyle, allow me to continue to write, and (hopefully) bring in some more money. Because, let’s face it, as much as we might like to, we can’t live without it.

I joined The Good Estate Agent, and I’m now covering the Sevenoaks area. Here’s a little video of what I do:

 

Lisamarie Lamb | 1st December 2018
Uncategorised
How To Ensure Your Employees Feel Valued

If you have a job that you don’t feel appreciated in and you feel that no matter what you do your efforts are just not noticed, you will begin to feel as though you shouldn’t bother working so hard anymore. You will feel as though you should even look elsewhere for a job where you can work with people who will appreciate you more. If you are an employer, this is not something that you want to happen; you want your employees to stay with you and help your company grow. To do this, they need to feel valued, so here are some ways to ensure that they do.

Talk To Them

One way to ensure that your employees feel appreciated and valued is to talk to them. This can include work details, of course, but that would happen anyway – to go the extra mile you need to talk to them about themselves. Find out about their family and their hobbies away from work, where they live and what they enjoy doing. When you speak to them again, remember what they said and bring it up in conversation where possible. This will show that you listened and that you took in what was said – and, of course, that you remembered it all.

It can also be beneficial to organize days away from work where you can get to know your employees better. These team building days are great for discovering exactly what your team is really like, and what they can do, plus they’re fun and can be seen as a reward.

Praise Them

It’s all too easy to just accept that someone has done a good job and then give them something else to do without saying much (if anything) about it. However, that won’t leave them feeling very valued, and can even make them think that you are taking them for granted. Therefore, when someone does something good, praise them. This could be simply saying well done, and acknowledging that they have achieved something, or you could go further and include the good work in a newsletter, or award employee of the month or similar.

You can also share good client feedback about a member of the team. Although it’s great to get praise from a manager, for example, it can feel even better to get it from someone from outside of the company.

Give Them Challenges

Another way to show someone that you value their input into the business is to challenge them. Giving them easy work to do all the time can get rather boring after a while, and if they don’t feel happy doing their work because they are bored, they may still want to look elsewhere. If you can give them a challenge out of their usual remit such as cold calling customers, or even designing a page on the website, they will feel as though you value them because you believe in them enough to ask them to do something they wouldn’t normally do. On top of that, they will learn something new too – and that is never boring.

Lisamarie Lamb | 6th August 2018
Services Thoughts
5 Ways To Offer Your Customers Added Value

Running your own business isn’t always all about what you want to do; sometimes (most of the time) it’s about what your customers want, which means that you need to work out how to give them everything they need in such a way that they will return time and again. Offering something of added value, whether online or in a physical store, is one way to do that.

Giving your customers added value will be hard work initially, but once you have done it (and you have systems in place to allow you to continue to do it) you will make more money, have better profits, and your business will thrive because of it. Not only that, but you will be ahead of your competition, which is always a good thing. Take a look at the following ways of adding value to your business and see which ones you can implement.

Quick And Efficient

It used to be the case that people were happy to wait for whatever it was they had ordered. It could take weeks, perhaps even months, for their purchase to be ready and for it to be dispatched. Today, no one wants to wait that long – no one really wants to wait at all. Therefore, when someone orders something from you, whether it’s a product or a service, they expect it as soon as possible. Some even require it on the same day, and most would prefer next day delivery where they can get it. If you can promise that you will deliver on the next working day, your business will stand out and you will find that more people choose to use your services.

What will really add value for your customers is getting this speedy service without having to pay for it. Whereas some companies will charge for next day delivery, you could take on those costs yourself. Although it would be a higher initial cost, over time you will find more customers so it would be canceled out. It’s important to do this because you are equating your business with efficient, inexpensive service.

The Best Quality

It’s not always possible to beat your competitors when it comes to pricing; if you start to price your goods too low, you will stop making a profit (and you might even make a loss). So if you can’t stand out due to your pricing, you will need to look at other ways to do it and the best way is to provide items or services that are of exceptional quality. If you do this, the higher price won’t matter because people will be willing to pay for something that is above average.

Remember that determining something’s quality is all down to the customer; if something is of high quality it is because the customer believes it to be do. Therefore, you will need to carry out market research to work out what it is that your customers want (and need).

Give Them A Gift

Everyone loves a free gift and if that gift happens to be able to do some advertising for you at the same time, then it is doubly useful. You don’t have to give something away to every customer who buys something from you, but if you choose to give, for example, iPhone cases to the customers who spend the most with you, or who refer their friends, or even who write a glowing testimonial, then they are going to receive even more value for money. This will go a long way and although you will need to spend at first, the return you get on this kind of investment should be excellent, and well worth the initial cost.

Choose something that has your name and logo on it, and the more the gift is used, the more your name will be noticed. This adds value to the process for you too, which will help you with lowering your marketing costs.

Be There

If you can be available as much of the time as possible, you are automatically offering your customers even more added value. You will need to be as responsive to emails as possible, and reply to comments on social media as quickly as you can. Answer the telephone within two or three rings and this will all ensure that your business appears to put the customer first. These may only be small acts when you look at the big picture, but these are the ones that can make the biggest difference.

Of course, you can’t possibly be around 24 hours a day to answer emails and comments quickly, and this is where you can utilize new technology to your advantage. You could include a chat bot on your website so that questions can be answered at all times of the day and night, or you could make an app that is intuitive and allows customers to work through the process without having to get in touch in the first place (another bonus for them).

Fix Problems

Added value comes in many forms, and one of those forms is being able to fix problems when they occur. No one is perfect, and issues will arise through no one’s fault (or sometimes a genuine mistake has occurred). What the problem is is far less important than how it is solved and what happens afterwards.

Every company is going to work hard towards fixing any problems that occur, but will every company offer something to any customer who has been inconvenienced by the problem? The answer is probably not, but you can and that will make you stand out and give your customers added value. You could give them a discount on their next purchase, or coupons that they can use or give away to their friends, for example. You might go even further and ask them to come in to take a look around your workspace to see how things are done, if that is something that would interest them.

Lisamarie Lamb | 23rd July 2018
Thoughts
How To Have A Debt Free Retirement

If you truly want to retire, you will need to pay off all of your debts before you stop working – if not, you may have to delay your retirement plans and continue to work just to service those debts. When you reach retirement age, you will want to enjoy life and see and do as many things as possible – the things you couldn’t necessarily see and do when you were working. So being debt free is something you should work towards. Here are some ways to do it.

Save

The simplest way to pay off your debts is to save money. Open up a separate savings account and put all your ‘spare’ money into it. When you have enough to pay off a loan or credit card entirely, you can take the money out and do so. At the same time, you will need to stop borrowing, so lock the credit card away (for emergency use only) and don’t take on any more finance or loans, otherwise as quickly as you pay one thing off, you’ll have something else to save up for. It’s far better to buy things outright, even if you have to dip into your savings to do so, than it is to borrow because when borrowing you will have to factor in interest, and that can make things very expensive.

Once everything is paid off, continue to save and use that money to fund your retirement plans. If you start early, you will have plenty of money to enjoy some exciting trips and start some wonderful new hobbies.

Start Investing

Investment is another good way of paying off debts and funding your retirement at the same time. If you do your research first and learn as much as possible about what you are doing when it comes to investment, you can make a good return on your initial payment, and pay off your debts much more quickly. You can invest in almost anything including stocks and shares, property, and other businesses. Once you have decided where you want to put the money, finding a broker is a good idea so that you can make the most of your investment.

Downsize

If you own a property and you’re paying a mortgage on it, will that mortgage be paid off by the time you come to retire? This can be the biggest debt you owe, but you may not consider it a debt and it may not figure in your plans. However, if you’re not working, are you going to be able to continue to pay your mortgage? If not, downsizing is a good option. When you downsize, you sell your current home and buy something cheaper (and usually smaller). That way, if you choose wisely at the right time, you may not have a mortgage left at all – and you might even have money left over, which can be used to pay off any remaining debts.

Lisamarie Lamb | 8th July 2018
Load More

RatesRates

My pricing guidlines

Type of Publication

Type of Work

£
Magazine Writing & research per 1000 400
Magazine Editor per day 250
Magazine Sub-editing per 1000 120
Magazine Fact checking per day 200
Newspaper (regional) Writing & research per 1000 220
Newspaper (regional) Sub-editing per 1000 95
Newspaper (regional) Fact checking per day 200
Newspaper (national) Writing & research per 1000 700
Newspaper (national) Sub-editing per 1000 450
Newspaper (national) Fact checking per day 200
Online/digital media Writing & research per 1000 180
Online/digital media Sub-editing per 1000 95
Online/digital media Fact checking per day 200

MY RATES

Contact MeContact Me

Get in touch

GET IN TOUCH

Please contact me using the information below; I’d love to hear from you.

Phone

07710 611592

Mail

info@lisamarielamb.co.uk

My PortfolioMy Portfolio

MY BEST WORKS

My ServicesMy Services

WHAT I CAN DO

Blog Writing

A blog is an essential tool in ensuring your website is seen. I can create regular blog posts that will move you up the rankings and give you a better placement within your industry.

Ghost Writing

Have you ever wanted to write a novel, memoir or short story but don’t have the time? Do you have the ideas, but the words don’t flow? I can help. Contact me for a confidential chat.

Articles

I am happy to carry out research, conduct interviews, and write/edit articles of any length. Contact me for more information about my rates and services.

Web Content

From your home page to your about me details and everything in between, you want a website that has snappy, interesting, high quality content. Let me create it for you.

Sales Letters

If you have a product that you want others to know about, you need a sales letter that is going to get attention – and keep it. I can write that letter for you.

Emails

Are you thinking of starting an email campaign but don’t know what to include? Or perhaps you want to send a special email to that special someone, but you can’t think of the right words. Contact me and we can discuss exactly what I can do to help.

Product Descriptions

Selling products online can be an excellent way of making a business, but if your products sound boring and your descriptions are dull, no one will want them. I’ve written thousands of products descriptions, and I can make your products shine.

Copy Editing & Proofreading

Have you written something that needs that extra level of checking? With my years of experience I can proofread or copy edit your work so that it’s the best it can be.

Social Media Management & Digital Marketing

Getting your digital marketing and social media strategy right is essential. I can provide and implement a social media marketing plan that works for you. Contact me to find out more.

About MeAbout Me

I'm a content writer

TESTIMONIALS

Excellent work by Lisamarie, on time, great quality and constant communication. Would not hesitate to recommend and in fact use again as soon as opportunity arises.

Andreas K
Andreas K

Lisamarie was great to work with - she did a fantastic job that completely met the brief and was delivered before the deadline.

Helena W
Helena W

Quick and brilliant, nailed the brief! Will work with her all the time 🙂

Roshni S
Roshni S

Fantastic work A++++

Rob C
Rob C

It was a pleasure to work with Lisamarie, she adjusted to our workflow and process with ease and completed work quickly and effectively.

Geoff J
Geoff J

Lisamarie is a very good writer and is very easy to work with. She reacted well to my guidance and provided me with content I'm very happy to use. I look forward to working with her again soon.

Ola F
Ola F

Great work from Lisamarie, articles are exactly what we wanted

Matthew E
Matthew E

Brilliant work from Lisamarie. I would definitely retain her again and recommend her to others.

Brad B
Brad B

REVIEWS

HELLO, I'M LISAMARIE.

I started writing in my late teens but it was only with the birth of my daughter that I decided to write more seriously, with the aim of publication. Since that decision in 2010, I have had over 40 short stories published in anthologies and magazines.

Find out more about my publications on my Amazon Author Page.

I am the features and online editor for insideKENT and insideSUSSEX magazines.

I am also a freelance writer who has ghost-written hundreds of blog posts, articles, reviews, fiction, and more.

I live with my husband, daughter, and a cat called Cheryl in the Kent countryside next door to a field full of horses.

http://www.facebook.com/lisamarielambwriter

http://www.twitter.com/lisamarie20010

MY STORY

my blogmy blog

my diary
Property
81 Castle Drive, Kemsing

£399,000 

http://thegoodestateagent.co.uk/property/castle-drive-sevenoaks-tn15/ 

Kemsing is one of the loveliest villages in the Sevenoaks district. Quiet and unassuming, it has everything that anyone could possibly want; a great primary school (OFSTED rated good in 2017), a post office, local shops, close to the main transport links and yet tucked away in the Kent countryside. Step out of your front door in Kemsing and you will be greeted with village life, the chance to go for a refreshing walk across the Downs, and the kind of community that helps one another out.

Kemsing

So now that 81 Castle Drive is on the market, this could be your chance to become part of a true Kentish village with all the amenities you could ask for. As for the house, you can move right in and not have to lift a finger when it comes to refurbishment or redecoration; the current owners have cared for this property well in the 14 years they have lived there.

Castle Drive is a sought after location in Kemsing. Just off Childsbridge Lane which will take you to Seal and on to the M20, or Sevenoaks and the M25 or A21, yet still within walking distance of those wonderful walks we mentioned earlier, as well as the local shops which include a convenience store and takeaways, you are well placed to enjoy everything Kemsing has to offer.

81 Castle Drive itself is a three bedroom (two double and one single) semi-detached house built in 1950. It has been sensitively re-decorated by the current owners to become a bright, light, modern home which includes a large garage in the back garden for storage (or perhaps for use as a studio if that is what you need) and a conservatory, currently used as a utility area, but which would be a beautiful suntrap in the summer months.

The kitchen is well-equipped and it leads to the dining room to make family meals an easy task. From there you can enter the living area, which in turn leads out to the hallway and back to the kitchen. Upstairs are the three bedrooms (the master has a built in wardrobe) and a good sized family bathroom with a bath and shower over.

The back garden is a delight. It is a great size and has not only a lovely patio area, but also plenty of lawn and a decked area too. It’s ideal for entertaining, enjoying family time together, and it is easy to maintain.

The house also benefits from off street parking on a driveway to the front with room for two cars, and plenty of street parking (with no restrictions) if more is required.

Plus, there is no onward chain.

The property is marketed through The Good Estate Agent (Sevenoaks Area) who can be contacted on 01732 617066, or via www.thegoodestateagent.co.uk.

Property ref: 7730

Lisamarie Lamb | 30th June 2019
Lifestyle
4 Ways To Stop Your Children Being Bored This Summer

It’s really not many weeks now until the long summer holidays are upon us – your children (and possibly you) will be counting down to that last day of term with a huge amount of excitement and endless possibilities of the fun they can get up to flashing through their brains.

But, whether you have six, seven, or eight whole weeks of time away from school, not every day is going to be a fun one. There will be homework to do, chores to complete, not to mention the fact that going out all the time is both exhausting and expensive. So yes, there will be times when boredom creeps in, no matter what other plans you might have. In order to prevent this from happening as much as possible, or at least diminish the impact, here are some great ways to stop your children being bored this summer.

Build A Fort

Building forts out of furniture and bed sheets may have fallen out of fashion due to the plethora of tech that children have to play with these days, but there is nothing quite like the fun and giggles that building one can give you, so why not give it a try? If it makes a mess, does it really matter? Everything can be put back when the kids are finished enjoying themselves, and no harm will have been done.

children

They might want to turn it into a den for watching a film – another good distraction for a little while, allowing you time to do the housework, catch up on emails, or simply sit with them and have a rest – or colouring, or playing with their toys. You don’t need to spend any money to create it, and it will amuse them for hours.

Go Outside

If you’re lucky enough to have a garden at home, spending some time in it will do the children good, and they’ll even get some exercise (without realising it!) when they’re running after a ball or playing chasing games.

children

A paddling pool and some shade for hot days, a good imagination for all days, a few garden toys, and they’re all set. They can even invite friends over and not disturb you if they’re playing in the garden all day. Give them a picnic lunch and keep them topped up with drinks and that’s it.

Rearrange The Bedrooms

We’ll admit, at first glance this idea does sound like more of a chore than a fun thing to do to stop children being bored, but this is not just tidying up – this is complete reorganisation, and that can be exciting.

children

Try working out different ways to have the furniture in the room to maximise space or make it more comfortable. It might be that the bed is where it is because that’s where the removal company put it when you moved in, for example, but is there a better spot for it? This is hard work and should be planned out before any furniture is moved, but it can be a worthy thing to do.

Do Some Baking

Baking is always a fun thing to do, and since you end up with a sweet treat at the end of it, it’s even better. This can be messy – the younger the children the messier it tends to be – so be prepared for a tidy up session at the end (get the kids involved in that, too). This can be a fantastic bonding experience, and it will all start with choosing exactly what you are going to bake, shopping for the ingredients, and then putting it all together.

children

Check out this website for some great baking ideas.

Lisamarie Lamb | 22nd June 2019
Health and Wellness
Exercise For Mental Health

The idea of exercise is always a positive one. The reality, of course, is often far different. By the time we get home from work we’re often exhausted or too busy to do any meaningful exercise. And it’s not just in the evenings that we have trouble getting it done – exercise is the thing that most often falls to the bottom of the to do list.

Yet knowing how important it is and how it can actively improve your mental health might be what makes the difference and gives you the impetus to do just half an hour or so of good exercise each day. Read on to find out just what it is about working out that keep your mental health positive.

mental health

Stress Relief for Better Mental Health

Studies have shown that exercising is good for reducing your stress levels. Stress can take a terrible toll on your mental health, and everyone is stressed to some degree. Some stresses might be small, easily dealt with, short term problems, and these are completely normal.

Others, however, might be much more dangerous. Long term – chronic – stress can cause many different health issues including:

  • Heart disease
  • Heart attacks
  • High blood pressure
  • Stroke
  • Organ failure
  • Ulcers

But it’s not just physical problems that long term stress will cause. Your mental health will suffer too. You could develop depression or anxiety, for example. So ideally you will want to reduce your stress as much as possible, and if you can do it without taking medication then all the better.

Exercise is a great way to relieve stress. When you are concentrating on working out, playing sports, taking a brisk walk, or however else you want to exercise, you aren’t thinking of the problems that are causing you stress. Even if it’s just for a little while, your work issues, relationships, money worries, even your health situation, can be forgotten, and if you can do that, your stress levels will reduce.

Better Social Life

Loneliness is a condition that is bad for your mental health if it goes on too long (although a little ‘me time’ every now and then can actually help you feel better). If you join a gym or go to a regular exercise class, or if you go running and get to see other people, for example, you can alleviate that loneliness for a little while.

Even for the most introverted of people, this brief moment of connectivity could be enough to make your loneliness disappear.

mental health

Anger Control

Some people have a problem controlling their anger, and this can make them become stressed which, as mentioned above, has a lot of problems associated with it. It can also cause problems with relationships, leading to loneliness, and it can make work difficult.

A good exercise regime will help to quell those feelings of anger, keeping them under control and allowing you an outlet for your emotions. When you get back to ‘real life’ you will feel happier, healthier, and find it easier to let things go rather than become angry over small issues.

If you find that your anger issues are more deep seated and exercise helps but only temporarily, then seeking expert advice is always the best course of action – your life is important and you need to be happy for as much of it as possible.

Conclusion

Exercise is something that we should all try to incorporate into our lives when we can. It might not be every day, it might not even be a regular occurrence to begin with, but getting started in the most important step. After that, as with anything, the more you practice the better you will get and the better it will feel.

Lisamarie Lamb | 9th June 2019
Business Lifestyle
Is Your Workplace Toxic?

Work takes up a huge amount of every day, so it makes sense that it should be a good place to be – you should enjoy your work, and your workplace, otherwise every other aspect of your life is going to be affected. You might even develop mental illnesses such as depression and stress, or your unhappiness might manifest in physical ways; heart disease, obesity, high blood pressure, ulcers, and much more can all come about from working somewhere unpleasant.

Not enjoying your job is one thing, but what if you are actually working in a toxic workplace? This is when the situation becomes desperate, and finding a new job should be a top priority. Here are some of the signs that your workplace is making you not just unhappy, but potentially unwell.

workplace
Is your team supportive?

You Dread Going To Work

On occasion (usually on a Monday morning after a lovely weekend at home), everyone is going to ‘dread’ going to work. But is it really a dread, or is it just a feeling of preferring not to? When you actively dread heading off to your workplace in the morning, and that dread is there every single day, then there is clearly a problem. Your workplace could be a toxic one.

You should never feel this way about your job. Life is too short, and there are many opportunities out there for you; you may have to retrain or think laterally about where your skills can take you, but being happy is the main thing and that is what you really need to consider.

You Don’t Feel Appreciated

Getting feedback at work is crucial for anyone to develop and become more successful. If you never hear a word from your boss about how you are doing, or you’re always the one doing the chasing when you want some kind of critique on a project or assignment you have been doing, then you are sure to feel under-appreciated.

When this happens, you might become less productive; what’s the point in bending over backwards if no one cares that you are working hard and going the extra mile? Something that you used to think matters will now how a much lower place in your heart and mind.

That’s not right.

You should be able to love what you do, feel appreciated, and feel good about the work you are carrying out. You should be able to work in a supportive workplace. Not even being acknowledged is a bad sign and one that you shouldn’t ignore.

workplace
Workplace stress is toxic

Your Workplace Worries You Even On Days Off

When you have a day off from work, what do you do? Do you enjoy it, not think about work at all (or if you do it’s only to determine the next step and what you will start with when you get back to it), and relax? Or do you constantly worry about your job, finding it frustrating and irritating? Does it make you angry? Are you unable to wind down?

If the latter is the case for you, it’s time to get out. It’s true that work is important, but it’s not everything – you need to make time for yourself and your family and anything else you want to do. If work is taking up all of your rest time as well as your work time, something’s wrong.

Conclusion

If something feels wrong about your place of work, whether it’s something tangible or just a gut feeling, and if that place of work is making you miserable or even ill, you need to leave. Yes, that can be easier said than done, and finding a new job isn’t always easy, but if you don’t start the search then you’ll never find your next – happier – position.

Lisamarie Lamb | 1st June 2019
Property
DODGY DÉCOR FAILS ARE COSTING HOME SELLERS CASH INVESTING JUST £300 CAN ADD UP TO £10K ON TO YOUR HOUSE VALUE
  • Aldi teamed up with interiors star, Anna Ryder Richardson, to makeover a home in under two hours for just £300 adding an average of over £8k to the property’s value
  • One in five buyers say that hideous décor is one of the biggest turn-offs when looking for a house
  • Nearly half (44%) offered less for a property because the interior was not to their taste

New research released by Aldi has revealed that almost one in five (19%) Brits claim that dodgy décor can be one of the biggest turn-offs when house viewing. Aldi surveyed 2,000 UK home owners to celebrate their Kirkton House range, which features a choice of quality interior products at everyday amazing prices.

Following the research, Aldi challenged home interiors star, Anna Ryder Richardson, to add value to a property with a budget of only £300, and using just the Aldi Kirkton House interiors range. The three bedroom, semi-detached home in Dartford, Kent, was evaluated by three local estate agents, before and after the makeover, and the property’s value increased by up to £10,000 across each valuation* – simply thorough decluttering, furniture rearrangement and the addition of stylist interior accessories. Watch the video on https://www.aldi.co.uk/kirkton-house.

According to the survey, quick upgrades can make a big difference for 34% of home buyers who say that stylish furnishings make them more likely to buy. The kitchen came out on top, with almost three quarters (72%) stating it’s the most important room to look good during a viewing. Real estate turn-offs were dark rooms (50%), awkward layouts (36%) and overgrown gardens (32%).

After seven viewings sellers consider making changes to their home to help shift it, with desperate owners splashing out on average £900 to finally make a sale. When it comes to age, image-conscious 18-34 year olds are spending over five times more (£3,131) than the thrifty 55+’s, who on average part with just £543 to shift their property.

Home interiors star, Anna Ryder Richardson, comments: “Together with Aldi, we’ve proven that you don’t need to break the bank to spruce up your interiors and help make that sale. We spent a third of what home buyers think they need to spend and increased the property’s value by an average of over £8k! It’s easy to invest a small amount and make a big difference. Here are some tips from the makeover to try at home:

  • Define the space in each room. A beautiful woven rug can indicate how a room should be used and brighten up a space in one easy step – try placing a colourful option in the centre of the living room to create a fun colour pop like the Aldi Kirkton House flatweave rug in navy blue
  • Make sure your rooms look spacious, appealing and homely. Consider the layout of the room and whether it feels welcoming to walk into – decluttering is a must and try shuffling the furniture around to experiment with different arrangements. Aldi’s Kirkton House Adjustable Desk Lamp will help to light up any room and add a warm feel
  • For house viewers, the kitchen is key – make sure your dirty plates aren’t still in the sink and set-up table places and crockery to show viewers what your home would look like to really live in it. Aldi’s wide range of quality Kirkton House cutlery and dinnerware can help to set the scene
  • Think about the overall interior design in your house – do you have personal items on display that perhaps don’t match the décor? Take down a few personal pictures here and there for a slicker look. Aldi’s Kirkton House storage baskets will come in handy here!
  • Make first impressions count and don’t forget your hallway! Place a nice welcome mat down and tidy-up shoes lying around in the space – Aldi’s Kirkton House Designer Lounge and Hallway range has hallway-specific show stoppers from a stencilled, geometric-design mat to a fun cactus hallway doorstop
  • Make the most of your outside space and opt for bright colours for the garden – colourful, patterned cushions and garden dining ware will come to life against the organic backdrop of green grass and bright flowers. Aldi’s Kirkton House Printed PVC Tablecloth in lemon print and decorative glass balloons will look fantastic in the sunshine and spruce up any garden”

Julie Ashfield, Managing Director of Buying at Aldi, said: “As the housing market is so uncertain, we’re happy that we can offer the security of consistently low prices in the Kirkton House home range. With a choice of quality and everyday products, the range can help you upgrade your home on a budget.”

Lisamarie Lamb | 18th May 2019
Arts & Entertainment
THE UK TOUR OF LITTLE MISS SUNSHINE

Lucy O’Byrne and Mark Moraghan are to join the cast of the quirky off-Broadway hit musical Little Miss Sunshine for its UK tour which begins at Churchill Theatre, Bromley on 16 May 2019.

Irish actress and singer Lucy O’Byrne will star as Sheryl, the matriarch of the eccentric Hoover family. Lucy shot to fame on The Voice (BBC) in 2015 and was the runner-up that year. Her theatre credits include Eva Peron in the Evita UK tour which ran at the Churchill Theatre in July 2018, Fantine in Les Misérables (Queen’s Theatre – West End), Maria in The Sound of Music (UK and Ireland Tour), River Woman in Therese Raquin (Park Theatre) and Tzeitel in Fiddler on the Roof (Gaiety Theatre-Dublin).

Mark Moraghan will be Grandpa (the role that won Alan Arkin an Academy award).  Mark recently appeared as Tim Richards in Emmerdale and is perhaps best known for his roles as Adrian Mortimer in Coronation Street, Owen Davis in Holby City, Ray Wyatt in Dream Team, Greg Shadwick in Brookside and Eddie Quinn in London’s Burning.

Lisamarie Lamb | 18th May 2019
Services
Busy Times…

It’s been a while since I last posted anything on my blog, but I do have a good reason (excuse?) for that… I have a new job.

Although freelance writing is what I love to do, it just doesn’t pay the bills, plus it has meant that I haven’t written any fiction – my favourite thing – for a year or more. So I had to find something else to do; something that would suit my lifestyle, allow me to continue to write, and (hopefully) bring in some more money. Because, let’s face it, as much as we might like to, we can’t live without it.

I joined The Good Estate Agent, and I’m now covering the Sevenoaks area. Here’s a little video of what I do:

 

Lisamarie Lamb | 1st December 2018
Uncategorised
How To Ensure Your Employees Feel Valued

If you have a job that you don’t feel appreciated in and you feel that no matter what you do your efforts are just not noticed, you will begin to feel as though you shouldn’t bother working so hard anymore. You will feel as though you should even look elsewhere for a job where you can work with people who will appreciate you more. If you are an employer, this is not something that you want to happen; you want your employees to stay with you and help your company grow. To do this, they need to feel valued, so here are some ways to ensure that they do.

Talk To Them

One way to ensure that your employees feel appreciated and valued is to talk to them. This can include work details, of course, but that would happen anyway – to go the extra mile you need to talk to them about themselves. Find out about their family and their hobbies away from work, where they live and what they enjoy doing. When you speak to them again, remember what they said and bring it up in conversation where possible. This will show that you listened and that you took in what was said – and, of course, that you remembered it all.

It can also be beneficial to organize days away from work where you can get to know your employees better. These team building days are great for discovering exactly what your team is really like, and what they can do, plus they’re fun and can be seen as a reward.

Praise Them

It’s all too easy to just accept that someone has done a good job and then give them something else to do without saying much (if anything) about it. However, that won’t leave them feeling very valued, and can even make them think that you are taking them for granted. Therefore, when someone does something good, praise them. This could be simply saying well done, and acknowledging that they have achieved something, or you could go further and include the good work in a newsletter, or award employee of the month or similar.

You can also share good client feedback about a member of the team. Although it’s great to get praise from a manager, for example, it can feel even better to get it from someone from outside of the company.

Give Them Challenges

Another way to show someone that you value their input into the business is to challenge them. Giving them easy work to do all the time can get rather boring after a while, and if they don’t feel happy doing their work because they are bored, they may still want to look elsewhere. If you can give them a challenge out of their usual remit such as cold calling customers, or even designing a page on the website, they will feel as though you value them because you believe in them enough to ask them to do something they wouldn’t normally do. On top of that, they will learn something new too – and that is never boring.

Lisamarie Lamb | 6th August 2018
Services Thoughts
5 Ways To Offer Your Customers Added Value

Running your own business isn’t always all about what you want to do; sometimes (most of the time) it’s about what your customers want, which means that you need to work out how to give them everything they need in such a way that they will return time and again. Offering something of added value, whether online or in a physical store, is one way to do that.

Giving your customers added value will be hard work initially, but once you have done it (and you have systems in place to allow you to continue to do it) you will make more money, have better profits, and your business will thrive because of it. Not only that, but you will be ahead of your competition, which is always a good thing. Take a look at the following ways of adding value to your business and see which ones you can implement.

Quick And Efficient

It used to be the case that people were happy to wait for whatever it was they had ordered. It could take weeks, perhaps even months, for their purchase to be ready and for it to be dispatched. Today, no one wants to wait that long – no one really wants to wait at all. Therefore, when someone orders something from you, whether it’s a product or a service, they expect it as soon as possible. Some even require it on the same day, and most would prefer next day delivery where they can get it. If you can promise that you will deliver on the next working day, your business will stand out and you will find that more people choose to use your services.

What will really add value for your customers is getting this speedy service without having to pay for it. Whereas some companies will charge for next day delivery, you could take on those costs yourself. Although it would be a higher initial cost, over time you will find more customers so it would be canceled out. It’s important to do this because you are equating your business with efficient, inexpensive service.

The Best Quality

It’s not always possible to beat your competitors when it comes to pricing; if you start to price your goods too low, you will stop making a profit (and you might even make a loss). So if you can’t stand out due to your pricing, you will need to look at other ways to do it and the best way is to provide items or services that are of exceptional quality. If you do this, the higher price won’t matter because people will be willing to pay for something that is above average.

Remember that determining something’s quality is all down to the customer; if something is of high quality it is because the customer believes it to be do. Therefore, you will need to carry out market research to work out what it is that your customers want (and need).

Give Them A Gift

Everyone loves a free gift and if that gift happens to be able to do some advertising for you at the same time, then it is doubly useful. You don’t have to give something away to every customer who buys something from you, but if you choose to give, for example, iPhone cases to the customers who spend the most with you, or who refer their friends, or even who write a glowing testimonial, then they are going to receive even more value for money. This will go a long way and although you will need to spend at first, the return you get on this kind of investment should be excellent, and well worth the initial cost.

Choose something that has your name and logo on it, and the more the gift is used, the more your name will be noticed. This adds value to the process for you too, which will help you with lowering your marketing costs.

Be There

If you can be available as much of the time as possible, you are automatically offering your customers even more added value. You will need to be as responsive to emails as possible, and reply to comments on social media as quickly as you can. Answer the telephone within two or three rings and this will all ensure that your business appears to put the customer first. These may only be small acts when you look at the big picture, but these are the ones that can make the biggest difference.

Of course, you can’t possibly be around 24 hours a day to answer emails and comments quickly, and this is where you can utilize new technology to your advantage. You could include a chat bot on your website so that questions can be answered at all times of the day and night, or you could make an app that is intuitive and allows customers to work through the process without having to get in touch in the first place (another bonus for them).

Fix Problems

Added value comes in many forms, and one of those forms is being able to fix problems when they occur. No one is perfect, and issues will arise through no one’s fault (or sometimes a genuine mistake has occurred). What the problem is is far less important than how it is solved and what happens afterwards.

Every company is going to work hard towards fixing any problems that occur, but will every company offer something to any customer who has been inconvenienced by the problem? The answer is probably not, but you can and that will make you stand out and give your customers added value. You could give them a discount on their next purchase, or coupons that they can use or give away to their friends, for example. You might go even further and ask them to come in to take a look around your workspace to see how things are done, if that is something that would interest them.

Lisamarie Lamb | 23rd July 2018
Thoughts
How To Have A Debt Free Retirement

If you truly want to retire, you will need to pay off all of your debts before you stop working – if not, you may have to delay your retirement plans and continue to work just to service those debts. When you reach retirement age, you will want to enjoy life and see and do as many things as possible – the things you couldn’t necessarily see and do when you were working. So being debt free is something you should work towards. Here are some ways to do it.

Save

The simplest way to pay off your debts is to save money. Open up a separate savings account and put all your ‘spare’ money into it. When you have enough to pay off a loan or credit card entirely, you can take the money out and do so. At the same time, you will need to stop borrowing, so lock the credit card away (for emergency use only) and don’t take on any more finance or loans, otherwise as quickly as you pay one thing off, you’ll have something else to save up for. It’s far better to buy things outright, even if you have to dip into your savings to do so, than it is to borrow because when borrowing you will have to factor in interest, and that can make things very expensive.

Once everything is paid off, continue to save and use that money to fund your retirement plans. If you start early, you will have plenty of money to enjoy some exciting trips and start some wonderful new hobbies.

Start Investing

Investment is another good way of paying off debts and funding your retirement at the same time. If you do your research first and learn as much as possible about what you are doing when it comes to investment, you can make a good return on your initial payment, and pay off your debts much more quickly. You can invest in almost anything including stocks and shares, property, and other businesses. Once you have decided where you want to put the money, finding a broker is a good idea so that you can make the most of your investment.

Downsize

If you own a property and you’re paying a mortgage on it, will that mortgage be paid off by the time you come to retire? This can be the biggest debt you owe, but you may not consider it a debt and it may not figure in your plans. However, if you’re not working, are you going to be able to continue to pay your mortgage? If not, downsizing is a good option. When you downsize, you sell your current home and buy something cheaper (and usually smaller). That way, if you choose wisely at the right time, you may not have a mortgage left at all – and you might even have money left over, which can be used to pay off any remaining debts.

Lisamarie Lamb | 8th July 2018
Load More