• A Guide to Home Security While on Holiday

    A Guide to Home Security While on Holiday

    This article was published on 23 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    It probably seems like a lifetime ago since your last holiday with one lockdown after another, but positive developments mean you may be heading away on that well-deserved break sooner rather than later! As Police professionals, much of the following will come as second nature to you, but it might be handy to share with your family.

    Before going on holiday most people consider the things that they’ll need whilst they’re away – passports, luggage, and travel insurance – but it’s all too easy to forget the things that need to be taken care of back at home during that time.

    If you’re going to be leaving your home unoccupied for more than just a few days it’s important to consider some of the safety and security factors below.

    After all, an owner-free home still filled with valuable electrical goods such as televisions, laptops or state-of-the-art coffee machines are both a potential fire hazard and a burglar’s dream. And then of course there’s the possibility of gas or water leaks and the resulting damage. So, here’s how to best prepare your home for when you’re gone…

    Keep burglars at bay

    If you have a burglar alarm be sure to turn it on as soon as you leave, but do be aware that there are other factors in keeping your house secure whilst on holiday. Whether you have an alarm or not reducing or entirely removing obvious signs that no one is home is imperative.

    Cancel milk and paper deliveries so they don’t create an evident backlog making it apparent that you are away. Plus, no one wants to arrive home from holiday to find two-week old milk sitting on their doorstep, especially in summertime.

    Consider connecting lights to timers so that they come on at different times of the day. Invest in some for your living room and a few bedrooms to give the appearance of someone being home in the evenings.

    Involve the neighbours

    If you’re friendly with your neighbours ask them to drop round to the house either every day or every few days to give the impression of someone being home.

    Ask them to clear up piles of post or parcels which may well be visible from outside. Suggest they draw the curtains in the evening and then back again the follow day. And, if they’re really amenable, ask if they will keep an eye on your flower pots, lawns and bushes – overgrown grass or plants in the front garden is another sign that a property is currently uninhabited.

    If you’re taking your car away with you, see if a neighbour is happy to park theirs on your drive every so often so it appears as though someone is coming and going whilst you’re away too.

    Lock up your valuables

    It goes without saying to double-check that you’ve locked doors and windows before leaving the house, but make sure that nothing potentially appealing to thieves is left on display as well.

    Even when you’re not on going away, locking up valuables and keeping sought-after items out of sight is a great idea, but if you’re leaving them around for days on end, put phones, tablets, laptops and other coveted technology in a safe, in drawers or in boxes out of view.

    As for jewellery, heirlooms and other precious pieces, lock them away in a chest, bureau or a well-hidden secure safe if you have one.

    Any spare door or car keys you don’t need whilst you’re on your travels put in drawers, and definitely do not leave them in reach of intruders. Make sure to empty side tables in the hallway and key racks near the front or back door.

    Consider your outside space too

    It’s not just the contents of your home that you need to think about before heading away. Make sure that any items of value normally kept outside, like garden furniture, bikes and children’s toys, are locked away in a shed, garage or brought inside the house.

    Though you might not think garden furniture is at risk of being taken, due to its light weight and durability, it’s very easily carried or thrown over an outside fence.

    Expensive plants, pots, and barbecues are also worth locking away while you’re gone too.

    Think about fire and escape of water prevention

    Aside from burglary, reducing the risk of fire and leakages while you’re on holiday is important too.

    Turn heating appliances (portable heaters, electric fires, electric blankets) and kitchen appliances (toasters, kettles, coffee makers) off at the switch and unplug them from the wall to be on the safe side.

    With items most often kept on standby (televisions, radios, satellite boxes), be sure to turn them off at the wall unless you’re using them as an additional method of security (see above).

    Dependent on whether you are leaving your central heating on a timer, during your time away, you may want to turn off both your gas and water supply at the mains too to avoid any such leaks, and of course be sure to check no taps are left running when you leave the house.

    If it seems there’s an overwhelming amount of things to consider before you leave for your holiday, consider making a holiday checklist and tick things off as you go. The security of your home is something that should never be forgotten.

    Police Mutual Home Insurance

    Of course should the worse happen, home insurance is always needed to rely on. Police Mutual Home Insurance includes up to £75,000 contents cover and £1,000,000 buildings cover as standard. With Home Emergency Cover as standard, provided by ARAG Insurance plc. Plus, interest-free monthly payment and no charges for making mid-term policy amendments*. We also make it easier to switch to Police Mutual Home Insurance by paying any cancellation fees you might be charged by your current provider, up to the value of £125.

    Find out more about or get a quote for Police Mutual Home Insurance here. Or call our dedicated team on 0151 242 7640.

    Police Mutual Home Insurance is provided by Royal & Sun Alliance Insurance Ltd.

    *Please note an administration fee may apply for policy cancellation.

    PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.

    Want to learn more? Access our wellbeing hub here.

  • Have You Prepared Your Home for Winter?

    Have You Prepared Your Home for Winter?

    This article was published on 23 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Christmas can be hectic even at the best of times – especially if you’re on those long, cold night shifts! Which means it’s even more important that when you are home with your family, you can relax and enjoy yourself. With this in mind, we’ve put together a few handy hints and tips to help you and your family through the festive period.

    Around the home

    Boiler and radiators
    No one wants a cold home to come back to. Bleeding radiators is one of the easiest ways to improve the efficiency of your heating. It’s also a good idea to have your boiler serviced by a registered engineer to ensure it’s ready for the coldest months, when it will be working hardest.

    Smoke and carbon monoxide alarms
    You should regularly check that your smoke and carbon monoxide alarms are functioning correctly and not low on battery power. It’s a quick job that will give you lasting peace of mind. Many fires start in the kitchen so never leave any cooking unattended.

    With temperatures dropping during December, it’s a good idea to check the loft to see whether you need additional insulation. Lagging pipes and water tanks will prevent heat escaping while also reducing the risk of ice forming and the plumbing problems it can cause. It’s also a good idea to leave your heating on at a low temperature even when you’re not there, to help prevent things like frozen or burst pipes.

    Windows and doors
    Faulty seals or gaps around windows and doors allow warm air to escape and cold air to get in. Blocking these draughts can make a big difference to the warmth of your home and help cut your energy bills. Using draught excluders at the bottom of doors can also be an effective measure.

    Christmas lights
    Christmas normally means fairy lights and lots of them. So make sure that you switch them off and unplug them before you go to bed, or when you leave the house. Check your Christmas tree lights conform to the British Standard. Worst case scenario are fires causes by faulty lights left on unattended.

    Christmas gifts and presents
    With Christmas gifts galore, your home will probably contain more items such as jewellery, watches, cash, laptops and other technology, just to mention a few. Although many insurers will increase your contents cover value during a religious festival, it is worth checking with them to see if you are covered.

    If you are with Police Mutual for home insurance, it is worth noting that you are covered with an additional £5,000 of contents cover at no extra cost during any month in which you celebrate a religious festival, to cover gifts and food bought for the occasion. Terms & conditions apply.

    Out and about


    The festive period creates a higher risk of burglaries and with many families away from the home, consider the following:

    Leave lights on
    Keep valuables out of sight and connect lights to timers so that they come on at different times of the day. It’s even a good idea to connect the timer to the radio, so it appears that you are home. It’s also a good idea to have external areas well-lit as well.

    Secure your property
    It’s stating the obvious, but be sure to lock every door and window when you’re out of the house. If possible ask a friend or neighbour to check on your property regularly if you’re going away for a while.

    After Christmas


    Reassess contents cover
    When normality returns, you will probably find that you may have some new jewellery, new phone or even a new TV. So now is a good time to check with your insurer that you have sufficient contents cover.

    Great protection, no hidden costs, easy to switch
    With no admin fees* and interest-free monthly payment option, Police Mutual’s Home Insurance could help alleviate the financial strain we can all feel at this time of year. We also make it easier to switch straightaway by paying any cancellation fees you might be charged by your current provider, up to the value of £125.

    For more information on our Home Insurance click here or call our dedicated team on 0151 242 7460.

    Police Mutual Home Insurance is provided by Royal & Sun Alliance Insurance Ltd. Home Emergency Cover is provided by ARAG plc.

    PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.



    *PMGI Limited may make a charge for policy cancellation.

    Want to learn more? Access our wellbeing hub here.

  • Adding Value to Your Home

    Adding Value to Your Home

    This article was published on 23 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    From a lick of paint to building an extension or conservatory, there are a number of ways to add value to your home.

    Your home is probably the biggest asset you’ll ever own, and whether you’re looking to sell it, or simply make it more comfortable, there are some DIY jobs that can add value to it.

    A fabulous frontage
    If you have a viewing planned, remember that first impressions count, so make sure your home’s frontage is spick and span. Tidy up the exterior by clearing the front garden, cleaning up your garage and front door, and consider adding new door accessories such as a smart letterbox or doorknocker.

    Always make sure drain pipes are secure and not leaking, and a coat of paint can make them look as good as new. At the back, tidy the rear garden and maybe add a splash of colour by painting the fence or shed.

    Freshen up the interior
    The main reception rooms create the biggest impression, so always ensure the carpets or floors have been properly cleaned, and it’s always worthwhile touching up any paintwork.

    If you’re going to treat your living room to a fresh lick of paint, neutral colours are best. Upstairs, you can make over the bathroom with simple changes such as new taps, new grouting and a new shower screen or curtain. In the bedrooms, replace any broken storage and keep everything neat and uncluttered.

    In the kitchen
    Fancy a new kitchen but don’t want to fork out thousands for the pleasure? Then simply replace your cabinet doors and drawers. New facings can transform a tired-looking kitchen and give it a completely new look. They cost just a tiny fraction of the price of a full replacement kitchen, and there’s none of the mess involved in ripping out the old one.

    And best of all, you can do it yourself. New doors and drawer fronts are available for just a few pounds each, and they’ll completely change the look and feel of your entire kitchen. Or if you’re an experienced DIY-er, you might even consider fitting new worktops or laying new flooring.

    To DIY or not to DIY?
    Whatever home improvement projects you’re planning, doing them yourself can save a small fortune compared to hiring a handyman. But be careful not to bite off more than you can chew, because some jobs really do require the services of a professional, and a botched DIY job can leave you with a hefty bill to put it right.

    For anything electrical, call in a NICEIC-registered contractor. And don’t even think of going near a gas supply – call in a Gas Safe engineer. Even putting up a new shelf or hanging a picture can have disastrous consequences if you hit a cable or pipe in the wall – so always check using a multi-detector. You can buy a handheld detector for around £15, and it could be the smartest investment you ever make.

    Protecting your investment
    If you’ve invested in your home, make sure you’re adequately covered with home insurance. Police Mutual’s Home Insurance provides a range of benefits including £75,000 contents cover as standard (including contents in outbuildings), Domestic Emergency Cover as standard (up to £500 per claim) and a dedicated claims team should you ever need it.

    To find out more about Police Mutual Home Insurance call us on 0151 242 7640 or click here.

    Police Mutual Home Insurance is provided by Royal & Sun Alliance Insurance Ltd, Home Emergency Cover is provided by ARAG plc. 

    PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.

    Want to learn more? Access our wellbeing hub here.

  • Suicide Prevention Day 10 September 2021

    Suicide Prevention Day 10 September 2021

    This article was published on 1 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Reports of high levels of anxiety and psychological distress have significantly increased due to the pandemic. It is important than ever that we all as individuals do what we can to look after ourselves and each other.

    Suicide is more widespread than you might think—it’s the fourth leading cause of death worldwide.

    Those who contemplate suicide often describe the intense feelings they have as hopeless, helpless, worthless and desperate. Whatever the trigger, suicide may seem like the only solution to an unsolvable, painful problem. A suicidal person believes no one can help them and that the problem can’t be fixed.

    There is no typical suicide victim. Suicide occurs across all ages, ethnicities, economic, and social boundaries and in both genders. But, some situations do increase the possibility that people will try to take their own life. The risk of suicide rises with factors such as having a mental health disorder, alcoholism and substance abuse, a family history of suicide or mental condition, physical or emotional abuse, a physical illness with chronic pain, isolation & loneliness or a major loss, which could be work, money or relationship related. 

    Individuals with multiple debt problems are at a ‘significantly higher risk of suicide’ than those with just one problem debt.  According to Money and Mental Health Policy Institute over 420,000 people in problem debt considered taking their own life in England last year, while more than 100,000 people in debt actually attempt suicide annually*.

    Most people who are feeling depressed or desperate enough to consider suicide give clues as to how they are feeling. These may be difficult to see, but knowing some of the warning signs can help you be better prepared to help someone who is struggling.  Talking openly about your concerns may help to prevent a death. 

    There are often warning signs that someone may be thinking about suicide. Here are some signs to look for:  

    Spoken or written threats of suicide.  If the person talks about dying by suicide or about feeling trapped and not knowing a way out of their situation or has written notes or letters about it.  Never assume the person, doesn’t really mean it, always take it very seriously. 

    High-risk behaviour. People who are thinking about suicide sometimes hurt themselves by engaging in drug or alcohol abuse, self-harm and even criminal behaviour. Suicidal people may drive recklessly and put themselves and others in danger. 

    Withdrawal and loss of interest. They no longer enjoy activities that they once did, isolate themselves from family or friends, don’t take care of their appearance, lack energy or find it hard to cope with everyday things.

    Recent important losses. A person may become suicidal as a result of problems or changes that make them feel helpless. These may include divorce, loss of child custody, job loss or the death of a loved one. For a child or a teenager they may be having a difficult time at school with friends, teachers, workload or parental expectations.

    Major changes in sleep or eating patterns. Excessive fatigue, not being able to sleep or sleeping much more than usual, or a loss of appetite or eating much more than usual are all signs that someone may be suffering from depression. 

    Obsession with death. Suicidal people sometimes show an unusual interest in death by the books or movies they choose or the websites they visit. They may do online research about ways to kill themselves. Having decided to die, they may give away possessions. They may also suddenly be in a happier or calmer mood as they make these plans.
     

    If you believe or even suspect that someone you care about may be suicidal, don’t ignore your suspicions.

     If you notice any of these warning signs in a friend, relative or loved one, encourage them to talk about how they are feeling.  Starting a conversation about suicide can be a difficult thing to do, especially when you’re worried about upsetting someone who might already be in a sensitive place emotionally. How to help someone:

    Offer support. Find a safe, private place to voice your concerns, speak to the person and better assess the situation. Do not agree to keep suicidal information secret, remind the person you are there to help support them.  Don’t leave a suicidal person alone. If you suspect that someone who doesn’t live near you is suicidal, call the person’s local police and ask that a wellness check be done on the person.

    Be direct. Don’t be afraid to bring up suicide. There is absolutely no evidence to suggest that talking about it will make the person take his or her life. Talk openly about feelings and concerns. Ask if they have a suicide plan. It’s important to find out this information to pass on to a professional.

    Listen. Be non-judgmental. Don’t tell them not to think about suicide or minimise their problems. Give as much time as needed to talk and let them know you’re there to offer support.

    Remove all dangers. Any prescription and non-prescription drugs or medication or firearms should be removed from their home.

    Contact a GP, counsellor, or psychiatrist. Often these resources can direct you to community resources, such as support groups.

    Helping someone who is feeling suicidal can be extremely stressful. Make sure you have support for yourself from friends, family, or a trained counsellor.

    Helping a Teenager Who May Be at Risk of Suicide. The teenage years can be a difficult time for you and your child. Adolescents may break rules or experiment with different behaviour as they try to establish their independence. As a parent, it’s important to know when your teenager’s feelings are a normal part of growing up and when they are putting him or her at risk. 

    By staying involved in your child’s life, talking openly together, and knowing the warning signs of suicide, you can help deter at-risk behaviour and make sure your child gets the help he or she needs. 

    Suicide is a tragic occurrence that leaves those affected wondering how it could have happened, and how could it have been prevented. Those who are struggling with thoughts of suicide might show outward signs, and it’s important that friends, family, colleagues, and managers are aware of the signs that someone might be at risk of attempting suicide.

    The suicide of someone you love can be devastating. You may have many intense emotions all at once. You may feel shocked, confused, angry, or guilty. You may wonder if you could have done something to prevent the suicide. These thoughts and emotions are normal, and, although it will take time, with the right support, you can move forward with your life. 

    There isn’t a correct way of grieving after a suicide. Grief is a process of healing that people experience in different ways. Even if someone you love died months or years ago, your grief may resurface at certain times of the year, like birthdays or on the anniversary of their death. Your grief may never be entirely over, but it can become gradually more manageable. Try not to set time limits on your grief or compare your feelings to anyone else’s. As you mourn, you may feel these emotions: 

    • Feelings of numbness and disbelief are common when someone dies by suicide. Right after a loss, people often cope with their grief by denying the reality.
    • After a suicide, you may blame doctors or others for not preventing the death. You may blame the person who died for leaving you, or you may feel angry with the world.
    • Intense grief makes it hard to think clearly, so you may at times have thoughts that you know aren’t realistic. You may dwell on all the “what ifs” even if you know that you did the best you could at the time.
    • You may feel very sad, lonely, or helpless. You may wonder how you will ever cope without the person who died. This pain should reduce with time.

    Suicide can affect anyone. If you suspect someone you know is considering suicide, act quickly to get them professional support. Or if you find yourself contemplating it, contact a counsellor, medical professional or one of the organisations listed below immediately.

    Where to get help:

    • Samaritans For anyone with suicidal thoughts or those concerned with suicide. Call the helpline on 116 123 or email jo@samaritans.org
    • Childline A helpline for children and young people in the UK. Calls are free on 0800 1111 and the number won’t show up on your phone bill.
    • Papyrus For children and young people under the age of 35 who are experiencing thoughts of suicide. Also for anyone concerned that a young person could be thinking about suicide. Call 0800 068 41 41, text 07786 209 697 or email pat@papyrus-uk.org
    • Students Against Depression is a website for students who are depressed, have a low mood or are having suicidal thoughts.
    • Bullying UK is a website for both children and adults affected by bullying.
    • Campaign Against Living Miserably (CALM) This resource is specifically for men. Call the helpline on 0800 58 58 58 from 5pm to midnight 365 days a year.
    • NHS Help for suicidal thoughts
    • The Silver Line A confidential, free helpline for older people across the UK.  Call them on 0800 4 70 80 90 24 hours a day, seven days a week.

    If you believe that someone is in immediate danger, call 999 or bring them in to your nearest accident and emergency hospital service. You can also call Samaritans on 116 123.

    * Money and Health Policy Institute report ‘a silent killer’ Published December 2018

    Want to learn more? Access our wellbeing hub here.

  • Healthy Eating Week 2021

    Healthy Eating Week 2021

    This article was published on 01 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Healthy eating is more important than ever as poor nutrition and obesity are becoming more common in the UK.   According to Public Health England nearly 2/3rds of adults in England are classed as being overweight with more men likely to be in this category than women. 

    Being overweight can cause various health concerns and according to Cancer Research UK, overweight and obesity is the 2nd biggest cause of cancer.  Keeping a healthy weight reduces the risk of 13 different types of cancer.  Diabetes and heart disease are also other conditions that you have a higher chance of developing if you are obese.  It is therefore important to ensure you are eating a balanced diet.  This guide will give you some tips on how to achieve a healthy diet.

    How can you improve your eating and drinking habits?

    Eat at least 5 portions of fruit and vegetables each day (this can include frozen & dried).  This will not only improve your nutritional intake, but also many fruits and non-starchy vegetables such as grapes, watermelons, tomatoes, and lettuce, contain a lot of water and can help keep you hydrated as well.

    When eating carbohydrates, choose whole grains and high fibre versions with less added fat, salt and sugar and more vitamins.  Eating whole grains instead of highly refined grains can help reduce the risk of heart disease and diabetes and help keep the digestive system.

    Ensure you are getting a good source of protein like lean meats, fish, eggs, dairy products, soya, seeds and nuts and beans and pulses.  Reduce the amount of processed meat you are eating, these include sausages, bacon, cured ham, corned beef and smoked meat.  Try to eat 2 portions of fish per week, at least one of which is oily.

    Be aware of your sugar intake.  Eating too much sugar can cause weight gain and tooth decay, so moderation is key.  Some studies believe that sugar can be incredibly addictive, so keep track of how much sugar you are adding to your food and drinks.  Look at information on nutrition labels and ingredients lists to help reduce your intake of sugar.  High sugar intake is linked to numerous ailments, including obesity, type 2 diabetes, heart disease, and many forms of cancer.

    A lot of products have been choosing to replace their sugar usage with sweeteners and this is where diet drinks have come from.  Sweeteners are a minimum of 200 times sweeter than sugar and can be as much as 700 times sweeter.  This means that less can be used in foods, therefore we consume less product overall.  Sweeteners are much better for you from a dental health perspective.  However, the research around obesity and weight gain is not clear.  It is therefore best that sweeteners included in your diet are in moderation.

    We all know that it’s important to keep hydrated and to drink more water.  Water is good for your health, drinking 8 glasses of water each day is recommended to maintain good health, which is around 1.5 to 2 litres.

    When choosing what to drink, consider the nutritional benefits.  Sugary drinks can often be your biggest source of sugar intake.  The soft drinks industry levy or sugar tax was introduced in April 2018 as a key part of a government strategy to tackle childhood obesity.

    Flavoured water is often promoted as a healthier alternative to fizzy drinks but that’s not always the case.  Even though they are zero or low calories, these drinks can be loaded with sugar, artificial sweeteners, artificial colouring, preservatives and other unnatural ingredients.  One easy way to ensure tasty water that’s naturally flavoured is to make it yourself. 

    DIY infused drinks add nutrients to your diet that can strengthen your immune system, boost your energy, kick start your metabolism and help you maintain a healthy, hydrated body.  You could try using cucumber, lemon, lime, mint, ginger, basil or even a cinnamon stick.

    Swap caffeine and alcohol with water.  Caffeine and alcohol are both diuretics, meaning that they cause your body to remove fluids from your blood at a much quicker rate than other liquids. This results in the body becoming dehydrated.

    Alcohol supplies almost twice as many calories as protein and carbs.  Alcoholic drinks also contain calories from other sources, which add to overall caloric intake, eg. Cocktails, mixers, spirits.  Alcohol loosens the inhibitions and therefore you are more likely to indulge on unhealthy foods.  If you’re drinking and then you don’t feel well the next day, you’re going to be less likely to be physically active.  When you drink your body is more focused on breaking down alcohol rather than burning fat.

    Recommended Daily Allowance

    Food labels use reference intakes to demonstrate the amount of calories you should eat each day.  The intake for an average adult should be:

    • Saturates – less than 20g
    • Carbohydrates – at least 260g
    • Energy – 2000Kcal
    • Fat – less than 70g
    • Total sugars – 90g
    • Protein – 50g
    • Salt – less than 6g

    Poor nutrition or malnutrition is caused by a person’s diet lacking the right amount of nutrients.  Malnutrition can refer to undernutrition, which is not getting enough nutrition and over nutrition, where you are getting more nutrients than you need.  Malnutrition can lead to a range of serious health conditions, including:

    • Type 2 diabetes
    • Cardiovascular disease
    • Obesity
    • Depression
    • Bone and join issues
    • Tooth decay

    It’s important for you to be aware of the symptoms of poor nutrition and dehydration. These include, but are not limited to; dizziness, dry skin, nausea and heart palpitations. If you notice any of these changes occurring, you need to be proactive and take some preventative measures to avoid malnutrition by having a healthier, more balanced diet.

    Here are some tips if you are trying to loose weight and want to reduce hunger cravings naturally:

    • Some foods are high in soluble fibre which form a gel in your bowels, making you fuller for longer and helping to clear cholesterol from your blood. Eat oats, barley, rice, golden linseeds, chia seeds, aubergine, okra, bananas, apples, citrus fruits, strawberries, prunes, plums, avocados, pears, carrots, broccoli, sweet potatoes and onions.  Food such as meat, fish and diary don’t contain any fibre as this only comes from plant foods. 
    • Keep it simple and don’t fall prey to fad diets.
    • Aim for a protein source at every meal to combat the hunger cycle.
    • If you don’t exercise often, look to make movement part of your day.  
    • Avoid drinking sugary drinks where possible, as it is common to underestimate how many calories and how much sugar a drink can contain. Look out for ‘no added sugar’ drinks
    • Feel empowered, not overwhelmed, if you are trying to switch to a healthier diet take it one step at a time and in moderation. You will be more likely to stick with it. Be patient losing weight will take time.
    • Set realistic goals, to maintain a balanced nutritional diet and fit in regular exercise. Start by making small changes such as walking daily.
    • Try using a health and wellbeing mobile app to keep track of your calorie intake and water consumption. Make sure you celebrate your milestones.

    Food and Stress

    You have both physical and psychological relationships with food.  Your physical relationship with food is based on the types of food you choose to eat, your eating behaviour, or habits and how your body responds biologically to your diet.

    Your psychological or emotional relationship with food is based on how you think about food, how you use food for reasons other than to relieve hunger, and how food relates to your body image, or the way you feel about how you look.

    In order to get control of stress eating, you have to control your stress levels.


    5 ways to manage food consumption when stressed:

    1. Know your stressors
    2. Exercise to reduce stress
    3. Reach out for help
    4. Try Mindfulness
    5. Learn intuitive eating

    Want to learn more? Access our wellbeing hub here.

  • Know Your Numbers Week 2021

    Know Your Numbers Week 2021

    This article was published on 01 Sep 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Know your numbers week encourages people to get their blood pressure tested.  Many people have high blood pressure without knowing it, which can cause other health problems.  As well as understanding your blood pressure, it’s also important to understand your cholesterolblood sugar and body mass index.

    The more you know about these key health numbers the more you can do to take steps to look after yourself and lead a long and healthy life. 

    This guide will provide you with some self-tests that you can do yourself at home and also information on how to improve your overall wellbeing.

    Your weight

    The vast majority of people will know if they are carrying too much weight or not. 

    If you don’t own a set of scales, then you can use the waist to hip ratio. All you need to do is measure your hip at the widest point and your waist at just above the belly button. Then what you do is divide your waist size by your hip size.

    • A ration of 0.95 or below for men is good and 0.80 and below for women.
    • 0 or higher for men and 0.85 or higher for women is greater risk of poor health.

    Alternatively you can just measure your waist:

    • The ideal waist size is 35 inches for men and 32.5 inches for women.
    • A waist size for men of 40 inches (102cm) and 35 inches (88cm) for women increases the risk of diabetes and heart disease significantly.

    Waist size is important because it’s all about where you store your fat.  If you store your fat around the waist then it’s sitting around your vital organs such as the liver and kidneys, which will increase the chance of diabetes and cholesterol.

    Blood pressure

    You can get your blood pressure checked with your GP or you can buy your own machine for around £30 to £40. Your heart responds to virtually everything that happens in your body and you can learn a lot from blood pressure by analysing the readings. 

    Although the most common way is to look at the actual level of the diastolic and systolic readings e.g. 120/80 the other useful analysis is to look at the pulse pressure difference which is the difference between the higher and lower figures. If the difference is continually above 60 e.g. 140/80 – then it could be an indicator of arteriosclerosis or hardening of the arteries. The reason being that the arteries are having to expand too far and if they do that continually they lose their elasticity.

    If you don’t have a blood pressure machine, you can simply do pulse testing either manually yourself by counting the number beats from the pulse (against your neck or inside your wrist) or through a free app on your phone.

    Your pulse is an important test and it’s a good idea to get to understand your pulse. A healthy person should have a resting pulse rate of between 60 to 100 beats per minute.

    However, it is possible to have a resting pulse rate as low as 35 if you are extremely fit. If you are not extremely fit and regularly have a heart rate outside of 60-100 beats per minute then you should visit your G.P.

    When you understand your average pulse rate, and for example you know that your pulse is regularly in the low 60’s and all of a sudden its 85 – then unless you know why it’s changed so radically (85 over the course of 3 days) then again it may be worth calling your G.P.

    If you are taking your pulse manually you will start to understand how it feels and if it feels irregular then again it’s something that you might raise with you G.P.

    One of the causes of high pulse pressure can be stress and it can be improved by doing relaxation breathing exercises.

    The other home test you can do, is a urine test, urine analysis sticks can easily be purchased from the chemist. They are easy to use and can tell you a host of information, particularly around blood glucose, testing for diabetes but also kidney and liver issues. It’s important not to misinterpret the results and to take tests over a period of a few days to ensure that the issue wasn’t just something passing through for example a cold or virus.  Additionally, it’s important to ensure that you are drinking plenty of water and keeping hydrated. A lot of kidney and liver issues are due to dehydration skewing the results.

    Cancer self-tests

    Everyone should be checking their skin regularly for changes to moles and spots that don’t appear to heal. We should all be checking our breasts, testicles, armpits, neck and groin for lumps.

    It’s recommended that you keep a record of your checking and in the case of skin checks don’t be afraid to take photos so that you have got something to refer back to in the future to assess changes.

    Additionally, other symptoms to look out for are blood in the urine and stool, regular pain in the kidneys and stomach without any apparent reason and increased need to go to the toilet at night when you haven’t been drinking excessively.

    If you are worried about anything then ensure you make an appointment to see your GP.

    How to stay healthy

    Exercise is the key, if you don’t like exercise or don’t have a lot of time, then try high intensity training.

    For example, use an exercise bike for 10 minutes every day, within this 10 mins, do 30 seconds of sprinting followed by 30 seconds of relaxing riding.

    You could also do the same thing by sprinting and walking between lamp posts or on a step box. Or do weight bearing exercise in the same way, using quite light weights, but fast reps. Weight bearing exercise is important because you lose about 1% of muscle every year over the age of 40. Muscle speeds us metabolism and metabolism burns fat.

    High intensity exercise was designed by Dr Tabata and research shows that it is a form of exercise that is very good at reducing blood sugar and therefore avoiding diabetes.

    Another big reason for increasing exercise is to do with stress. I find that exercise works as a distraction for your brain constantly either thinking about work or other issues. Exercise helps people switch off.

    As well as exercise, it’s also important to relax. Mindfulness is great to help you switch off, as many people struggle to do this on their own, apps such as Headspace and Thrive tend to help focus the mind.

    Relaxation techniques are not just about the brain they also really help the heart. Reading is also a great way to relax, it can help distract the brain from more stressful issues.

    Nutrition

    Nutrition is now more important than ever, having a balanced diet help ensure we have the correct nutrients.  Dark green leafy vegetables and colourful fruits and especially fruits with red in them are can really make a difference.  These will ensure you get vitamin C, vitamin D and Zinc on board.

    It’s also important to reduce the amount of processed fats you eat, as these types of fat stick around your waste and increase issues such as heart disease.   These types of fats are found in many take-aways.

    Water is massively undervalued, every organ in the body needs hydrating, water is needed in order for the fat burning process to work, depending on your size and how much exercise you are doing, you need to drink 2-3 litres per day.

    The skill going forward is going to be changing our habits, walking to the shops instead of driving, walking upstairs instead of taking the lift etc. 

    Our bodies were not designed to sit down on chairs, sitting down as much as we do fundamentally squash’s our skeleton, which can lead to musculoskeletal problems. What we need to do is move more, the HSE recommend a 10 minute movement break from sitting down every hour.  The key is to try to introduce movement into the daily routine e.g. take all telephone calls standing up where you can and taking a break for lunch away from the desk and go for a walk.

    For more information read our Nutrition guide here.

    Sleep

    We also need to learn how to sleep better. Many people use their mobile phones for alarms and look at them right up until we turn the lights off, without giving their minds to start to relax. Before going to sleep its important to be as relaxed as possible, the room is dark and it’s the right temperature. 

    It’s also important to have coping skills on how to relax your minds if you do wake up in the middle of the night, in order to maximise the relaxation of the nervous, respiratory and cardiovascular systems.

    For more information read our Sleep guide here.

    Boosting your immune system

    Having a strong immune system is important in order to be able to fight off a variety of illnesses and infections. In order to increase the ability to produce antibodies and ensure that your T-cell levels (lymphocytes) are not reduced you can:

    • Increase your level of vitamin D – spend time outside, drink fortified milk, eat fortified cereal, salmon, mackerel and sardines.
    • Increase your level of vitamin C – eat plenty of citrus fruits like grapefruit and oranges, Red Bell Peppers (3 times the vit C of an orange), Broccoli, Garlic, Ginger, Spinach, Yoghurt, Almonds, Sunflower Seeds, Turmeric, Green Tea, Papaya, Kiwi, Poultry, Shellfish (it’s important to take vit C daily because your body can’t store it).
    • Reduce the amount of alcohol you drink, as it damages the immune system
    • Ensure you relax, exercise and have good quality sleep as all of these boost the immune system
    • Take an immune busting vitamin tablet every day

    Want to learn more? Access our wellbeing hub here.

  • International Friendship Day 2021

    International Friendship Day 2021

    This article was published on 24 Jun 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    International Day of Friendship is a day to appreciate and promote friendships from all backgrounds.  It is celebrated across the globe on July 30, 2021, the day promotes the idea that friendships between peoples, countries, cultures and individuals can inspire peace and build bridges between those communities.

    It was introduced in 2011 as a UN initiative to reject poverty, violence and human rights abuse and to promote peace, security and social harmony.  For more details click here.

    Friendship requires empathy, compassion and concern for other people. By valuing and celebrating friendship, we develop these characteristics ourselves and adopt a more selfless and grateful outlook on life. 

    Why are friendships important

    Evidence suggest there are 5 steps you can take to improve your mental health and wellbeing. One of which is to connect with others.

    Connecting with the people around you, your family, friends, colleagues and neighbours are key to your overall wellbeing. These relationships will support and enrich you.

    This has been particularly important and challenging during the pandemic. Good relationships are important for your mental wellbeing. They can help you to build a sense of belonging and self-worth, give you an opportunity to share positive experiences and provide emotional support and allow you to support others.

    For more details on the 5 steps to wellbeing click here.


    During this time where many of us may feel isolated, it’s vital that we maintain strong friendships with people we feel close to.

    There are many benefits of friendships – there is a distinct connection between wellbeing and friendship, in simple terms good friends are good for your health. They help you celebrate the successes in your life, as well as providing a listening ear and support network when you experience lows or times of need.

    Maintaining the significant relationships in our lives brings numerous health benefits, such as increasing our self-esteem and confidence, reducing our stress levels and boosting our sense of purpose and belonging.

    As well as the wellbeing benefits that friendships bring, our friends help us become more well-rounded individuals. For example, through our relationships with others we learn about different cultures, beliefs and languages.

    As our lives progress, many of us find it difficult to develop new friendships. This is often because of new priorities that require our focus and attention, such as work, childcare or carer responsibilities. In addition, your long-lasting friendships might become strained due to you relocating to a new community or simply because of changes in your lives and interests. The result of which can have negative effect on your mental health and wellbeing.

    How to celebrate International Day of Friendship 

    • Find out about other cultures: The world is getting smaller and smaller. The population is growing yet we can all communicate with each other instantaneously. This is a great thing for the curious—we have access to the sum total of human knowledge at our fingertips, and can chat with people from different cultures as easily as we can chat to the person in the next room. Use the day to read about people whose lives are almost unimaginably different—and maybe reach out to a few, and see where it takes you. Think about what unites people instead of what separates us. 
    • Spend time with friends and family: In our busy lives, we often forget to pause and reach out to those who are closest to us. Take the time on the International. If you can’t see a friend, ring them up for a chat or reach out to someone who you’ve not spoken to for a while.
    • Use this day of Friendship to slow down a little, and catch up with the friends and family you maybe neglect a little with your busy schedule. Get together – either virtually or at a safe distance – switch off your phones, and revel in each other’s company. By making time to be social, you’ll strengthen the bonds that hold your friendships together, and make a positive difference to the lives of people who care about you.

    Want to learn more? Access our wellbeing hub here.

  • Men’s Health Week 2021

    Men’s Health Week 2021

    This article was published on Thu 10 Jun 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Men’s Health Week June 14-20 2021

    For more information about the week click here.

    Wellbeing and health are topics that are often over-looked by men.

    Did you know:

    • 1 man in 5 dies before age 65.
    • 2 men in 5 die before age 75.
    • A waist over 37 inches puts you at increased risk of many serious health conditions.
    • You can have a NHS health check from age 40.
    • Women live longer than men.
    • Just over three-quarters of suicides (76%) are male.
    • Suicide is the biggest killer of men under 49.
    • Men between the ages of 18 and 44 are less likely to go see a doctor than women.
    • Relationship breakdown and financial worries are more likely for men to lead to suicide.
    • Men are nearly three times more likely than women to become alcohol dependent.
    • Men are more likely to use (and die from) illegal drugs.
    • Men are less likely to access psychological therapies than women.
    • When men do use therapy, it is at the point of crisis.
    • 87% of rough sleepers are men.

    It is vital that men start to feel more comfortable talking about their health and wellbeing.

    Physical Health
    The main physical health issues that men face are:
    Heart attacks strike men at younger ages than women. On average, a first heart attack strikes men at age 65. For women, the average age of a first heart attack is 72. It’s not entirely clear why middle-aged men have more heart attacks than women in the same age group. But historically higher rates of unhealthy habits, including smoking and stress, may be partly to blame.

    Men are 14% more likely to get cancer than women and 37% more likely to die from it. This is probably due to a higher risk of exposure to carcinogens, lack of awareness of risks and not going to see a doctor when symptoms develop.

    Testicular cancer tends to mostly affect men between 15 and 49 years of age. Typical symptoms are a painless swelling or lump in 1 of the testicles, or any change in shape or texture of the testicles. It’s important to be aware of what feels normal for you. Get to know your body and see a GP if you notice any changes.

    Prostate cancer is the most common cancer in men in the UK. It usually develops slowly, so there may be no signs for many years. Symptoms of prostate cancer do not usually appear until the prostate is large enough to affect the tube that carries urine from the bladder out of the penis (urethra).

    When this happens, you may notice things like:

    • an increased need to urinate
    • straining while you urinate
    • a feeling that your bladder has not fully emptied

    These symptoms should not be ignored, but they do not mean you have prostate cancer.  It’s more likely they’re caused by something else, such as prostate enlargement

    Diabetes is a lifelong condition that causes a person’s blood sugar level to become too high. There are 2 main types of diabetes:

    • type 1 diabetes – where the body’s immune system attacks and destroys the cells that produce insulin
    • type 2 diabetes – where the body does not produce enough insulin, or the body’s cells do not react to insulin

    Type 2 diabetes is far more common than type 1. In the UK, around 90% of all adults with diabetes have type 2. Men are more likely to develop type 2 diabetes than women.

    For more details on men’s health click here

    Tips for staying healthy:

    • Drink less than 14 units of alcohol a week (equivalent of 6 pints of average strength beer).
    • If you smoke, STOP! On average a cigarette smoker will die 10 years younger than a non-smoker.
    • Eat at least 5 portions of fruit and veg a day.
    • Walk 10,000 steps a day.
    • If it comes in brown choose this over white (rice, pasta, bread).
    • Drink at least 2 litres of water a day.
    • Aim to do at least 150 minutes of moderate exercise a week.
    • Regularly have your cholesterol and blood pressure checked.
    • Aim to get 7-9 hours of sleep each night (or day if you are working nights).

    Mental Health
    The coronavirus outbreak has had an impact on everyone’s lives. The pandemic has made many of us feel anxious and stressed. Its great that restrictions are starting to ease across the UK and we are starting to come out of lockdown, but these changes may lead to your feeling anxious about leaving the safety of your home.

    If you are concerned about returning to the office after working from home click here to read our guide.

    If you’re not feeling great, you’re not alone. One in four people will experience some kind of mental health problem in the course of a year. This may increase during 2020 due to the pandemic.

    For many of us talking about mental health is difficult and often men find this even more difficult. It’s hard to put how you’re feeling into words. Remember you can be strong without being silent.

    As a police officer your role is to serve and protect, this means that you are less likely to ask for help, as you think it’s seen as a sign of weakness. We all need to stop thinking that talking about emotional or mental health is a sign of weakness. Police officers are dying because they aren’t asking for or getting help.

    Research has shown that emergency services workers are twice as likely as the public to identify problems at work as the main cause of their mental health problems, but they are also significantly less likely to seek help.

    Between 2015 and 2017 more than 20 police officers took their own life each year. That’s almost two a month*

    With a quarter of emergency service workers admitting to thinking about taking their own lives, the ‘Man up’ campaign through the Police Federation encourages officers to take each other’s mental wellbeing as seriously as they take each other’s physical safety, and questions whether we are too dismissive of a colleague who may be showing signs of mental health issues – something that has potentially fatal consequences. When you hear ‘Man Up’, think ‘Man Down’ offer help. For more details of this campaign click here.

    If you’re struggling with your mental health, help is available –


    Stress and anxiety are normal, especially in these uncertain times. It’s what we do about it that matters. There are various steps you can take to cope with being under pressure, remember, different things work for different people.

    Identify your triggers and take control – working out what triggers your stress can help you anticipate when you may feel stressed and what you could do about it in advance.

    Organise your time – making some adjustments to the way you organise your time can help you feel more in control and able to handle the pressure you are feeling.

    Be active – exercise can help clear your head and then let you deal with your problems more calmly. Go outside to exercise, as fresh air and spending time in nature can really help.

    Talk to other people – friends, family and colleagues can help support you through the stress you are feeling, you may even have a laugh and start to relax. You may also want to consider talking to a professional counsellor.

    Do something you enjoy – spending time doing something you enjoy will take your mind off how you are feeling. Everyone needs to take time for themselves, it can be as simple as having a bath or reading a book.

    Avoid unhealthy ways to cope – many people use alcohol, smoking, chocolate and gambling to try and relieve the stress they are feeling, none of these things will help in the long term, use healthy coping strategies like going for a run, listening to music or walking the dog.

    Challenge yourself – learning new skills and setting yourself new goals will help build your confidence and make you feel good about yourself.

    Help others – people who volunteer in the community or for a worthwhile cause tend to be more resilient.

    Try to be positive – think of all the things you are grateful for, write down or say out loud 3 things that went well each day.

    Address some of the causes – where possible improve some of the issues that are putting pressure on you.

    Accept the things you can’t change – it’s not easy, but accepting that there are some things happening to you that you can’t do anything about will help you focus your time and energy elsewhere.

    For more details on looking after your mental health, read our guide here.

    To read our stress awareness guide click here


    Financial wellbeing

    Worrying about money can be extremely stressful and may lead to mental and physical health conditions.

    According to the Police Federation of England and Wales Pay & Morale Survey:

    • 1 in 8 said they sought financial support in the last year to cover day to day expenses.
    • 51% of respondents told us that they found themselves worrying about the state of their personal finances every day or almost every day.
    • 17% of respondents said that they had sought advice because of money issues in the last year.
    • 86% of respondent with Mental health problems said that financial situation made their mental health worse.
    • 46% of people in problem debt also have mental health problems
    • Mental Health makes you three times more likely to be in problem debt.
    • Individuals with multiple debt problems are at a ‘significantly high risk of suicide’ than those with just one problem debt.

    If you’re struggling with debt or finding it hard to manage your finances then we’re here to help.

    For more details, read our debt awareness guide here

    If you are struggling with gambling, call the National Gambling Helpline (24 hours) 0808 80 20 133 or read our guide here.

    Police Mutual Services

    We’ve teamed up with PayPlan**, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan** on 0800 197 8433.

    Our Care Line Service provided by Health Assured can offer advice and information, helping with a range of concerns including emotional support.

    Take a look at the e-portal or download the APP.

    Health & Wellbeing e-portal

    https://healthassuredeap.co.uk

    Username: policemutual Password: careline

    Download the Health Assured App and register today – your code is MHA107477

    *According to the Police Federation of England and Wales

    **PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

    PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.

    Want to learn more? Access our wellbeing hub here.

  • World Wellbeing Week 2021

    World Wellbeing Week 2021

    This article was published on Thu 10 Jun 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    • Your overall wellbeing is fundamental to how fulfilled your life feels. Positive wellbeing improves your resilience and will help you overcome difficulties and life’s challenges. A parent’s wellbeing will have an effect on their child’s. So ensuring you look after your wellbeing is vital.

      Now in its third year, World Wellbeing Week is an ideal time to think about your overall wellbeing.

      Evidence suggests there are 5 steps you can take to improve your mental health and wellbeing:
    • Connect
    • Be active
    • Give
    • Learn
    • Take notice


    For more details on the 5 steps to wellbeing click here.

    Connect
    Connecting with the people around you, your family, friends, colleagues and neighbours are key to your overall wellbeing. These relationships will support and enrich you.

    This has been particularly important and challenging during the pandemic. Good relationships are important for your mental wellbeing. They can help you to build a sense of belonging and self-worth, give you an opportunity to share positive experiences and provide emotional support and allow you to support others.

    Be active
    Research shows that being sedentary is bad for your health, so ensure you keep active. Exercise helps both your physical and mental health, so it’s important to stay active.

    A few hours of gentle exercise a week will release endorphins that make you feel energised. This could be as simple as a walk, a run, a cycle ride, dancing or even some gardening. In simple terms exercising makes you feel good.

    According to the charity Mind, regular physical activity is associated with lower rates of depression and anxiety across all age groups. Exercise is essential for slowing age-related cognitive decline.

    Being active is not only great for your physical health and fitness, it can also improve your self-esteem. Setting goals or challenges and achieving them, causes chemical changes in your brain, which can help to positively change your mood.

    For more details on looking after your physical health read our physical health guides here and our wellbeing and workout guide here.

    Give
    Giving to others is a great way to boost your wellbeing. We know that it can give a sense of purpose and create feelings of positivity.

    It could be small acts of kindness towards other people, or larger ones like volunteering in your local community.

    People choose to volunteer for a variety of reasons. For some it offers the chance to give something back to the community or make a difference to the people around them. For others it provides an opportunity to develop new skills or build on existing experience and knowledge. Regardless of the motivation, by volunteering they are making a difference to the community.

    Volunteering is a hugely valuable and rewarding experience for the volunteers and the communities they support. If you are interested in volunteering read our guide here.

    Giving Blood is another way to help others and save lives.

    Learn
    Research shows that learning new skills can improve your mental wellbeing by boosting self-confidence and raising self- esteem, helping you to build a sense of purpose and helping you to connect with others.

    Even if you feel like you do not have enough time, or you may not need to learn new things, there are lots of different ways to bring learning into your life.

    Some of the things you could try are learning a language or new craft, cooking a new recipe, tackling a DIY project or setting up a book club.

    Take notice
    Paying more attention to the present moment can improve your mental wellbeing. This includes your thoughts and feelings, your body and the world around you.

    This is often called Mindfulness, which can help you enjoy life more and understand yourself better. It can positively change the way you feel about life and how you approach challenges. Read here for more information about mindfulness.

    Emotional
    The pandemic has made many of us feel anxious and stressed. Its great that restrictions are starting to ease across the UK and we are starting to come out of lockdown, but these changes may lead to your feeling anxious about leaving the safety of your home.

    If you are concerned about returning to the office after working from home click here to read our guide.

    Physical exercise can help take our minds off these feelings. But it’s important to keep mentally fit as well.

    We might feel fine, but everyday stress can creep up on us. If underlying stress isn’t taken care of, it can lead to mental and physical health issues.

    Taking care of your mental health is as important as taking care of your physical health. According to Mind, mental health problems affect around one in four people in any given year.

    If you are feeling anxious for long amounts of time and it’s affecting your day and your mood, help is available, see useful links below.

    For more details on looking after your mental health, read our guide here.

    To read our stress awareness guide click here.

    Sleep
    Its common knowledge that a good night’s sleep makes us feel better. An average of 8 hours will replenish all of our energy stores. What’s more, this downtime helps protects us from infection, providing a shield for our immune system.

    Here are some tips of getting a good night sleep:

    • Cut out the caffeine earlier: try to avoid tea, coffee and fizzy drinks after 2pm to get a better night’s sleep.
    • Switch off the screens: the blue light emitted from these suppresses the secretion of melatonin (a sleep-inducing hormone) so switch off 2 hours before bed, try reading a book instead.
    • Set the right temperature: this is between 15°C – 19°C, according to org.
    • Remove all distractions: blackout blinds will block out light pollution from the street and wax earplugs can remove most outside noise.

    For more information, read our sleep guide here.

    Financial
    Staying in control of your day-to-day finances will help you ensure you have enough money to meet your needs which will lead to long term security and financial freedom to make choices that allow you to enjoy life.

    Money worries are not just a financial problem they can cause relationships problems, people to lose homes and families to break down. People from all walks of life can end up in debt for many different reasons, like divorce, redundancy, ill health or bereavement. It’s not always easy to talk about money worries but if you’re struggling financially it’s important to take action.

    For more details, read our debt awareness guide here

    Financial problems is one of the biggest worries that can negatively affect your mental health. According to the Police Federation’s annual Pay & Morale survey results published in November 2019 around one in eight officers were seeking financial support to cover living costs.

    It’s important to start talking about money worries before your situation gets worse. Talking about money will give you the confidence to get help and find out who can best advise you on any problems.

    It can give you a great sense of relief to share your problems, so you’re not facing them alone. It’s important to seek professional advice as soon as possible and not wait until it’s more difficult to find a solution.

    We’ve teamed up with PayPlan*, one of the UK’s leading free debt advice providers, who offer free and confidential advice to anyone in serious financial difficulties.

    They’re able to advise you on a range of debt solutions suited to your individual circumstances, helping to protect you and your family with a sustainable way to manage your debt.

    Get free and confidential help to combat your debt, call PayPlan* on 0800 197 8433.

    It’s not always easy to talk about money worries but if you’re struggling financially it’s important to take action. If you’re worrying about money there are things that you can do to get your finances back on track, read our let’s talk money guides here.

    For more information relating to your wellbeing and the support that is available you may find the links below useful.                                  

    Our Care Line Service provided by Health Assured can offer advice and information, helping with a range of concerns including emotional support. Take a look at the e-portal or download the APP.

    Health & Wellbeing e-portal

    https://healthassuredeap.co.uk

    Username: policemutual Password: careline

    Download the Health Assured App and register today – your code is MHA107477

    *PayPlan is a trading name of Totemic Limited. Totemic Limited is a limited company registered in England, Company Number: 2789854. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, NG31 0EA. Totemic Limited is authorised and regulated by the Financial Conduct Authority. Financial Conduct Authority Number: 681263.

    PMGI Limited, trading as Police Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.

    Want to learn more? Access our wellbeing hub here.

  • How Can I Help my Children Buy Their First Home?

    How Can I Help my Children Buy Their First Home?

    This article was published on Thu 27 May 2021. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

    Buying their first home can be exciting, but many first-time buyers can struggle to get on the property ladder – with the demand for high deposits, along with the difficulty in qualifying for a mortgage. There are ways you could support your child in buying their first home, depending on your financial circumstances and your view on what support you wish to provide.

    How can you help?
    There are a number of ways that could help them get on the property ladder.

    • Gifting their deposit—worked out as a percentage value of the property. A larger deposit may give them access to better interest rates. There are currently no initial tax implications in doing this, however, if you die within seven years of gifting the deposit the amount gifted could be subject to Inheritance tax
    • Use your home to raise cash—a secured loan can use the equity in your home to raise money for their deposit. You do need to bear in mind that if you can’t keep up repayments on a secured loan your home may be repossessed
    • Equity release – lets you access the cash tied up in your home if you’re over 55. You could borrow up to 50% of the value of your home depending on your age and health
    • Joint mortgage/borrower – you would legally own a share of the property and may be liable for any mortgage payments. Some lenders may decline to give a mortgage to borrowers over a certain age. It may also be considered a second home and you will be liable to pay increased Stamp Duty when the property is purchased and Capital Gains Tax on the profits if it’s sold. Although some lenders offer this without the parent going on the deeds or owning the property, which means there is no additional Stamp Duty or Capital Gains tax to be paid. 
    • Family supported mortgage deals—you could deposit funds into a savings account linked to the mortgage which acts as a guarantee against the mortgage debt. This allows your child to secure a mortgage without needing a deposit. A condition is that you can only withdraw funds from your account after a certain period of time or once a percentage of the mortgage debt is paid off.

    Getting on the ladder without financial help

    If you’re unsure that you can afford to lend a hand financially, then there are other ways that could help.

    • Let them move back home—cutting down their monthly outgoings so they can save easier
    • Rent to Buy—Government scheme that enables subsidised rent on a qualifying property for a set period, after which they’ll have the option of either buying the property outright or entering into a shared ownership deal. No deposit is required
    • Help to Buy—another Government scheme where the Government lends up to 20% of the cost of a newly built home, so they’ll only need a 5% cash deposit and a 75% mortgage to make up the rest

    A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

    It’s important to remember the risks in all of the above options and you should consider the following:

    • Can you afford to help, not just now but in the future
    • Get professional advice from a solicitor, an independent mortgage advisor or an independent financial advisor
    • Make sure you understand the terms of any mortgage before you sign up.

    Want to learn more? Access our wellbeing hub here.