Charity of the Month: Manchester Women’s Aid

The charity of the month is Manchester Women’s Aid. This charity is focused on helping domestic abuse survivors by providing safe and confidential temporary accommodation, play services, advice and support, dedicated case workers and support groups. It was created in 2014 and it is currently the largest specialist provider of domestic abuse services in Manchester. I have done a lot of research into their work and what they are doing to help women and children fleeing domestic violence situations. It is lovely to see great charities like Manchester Women’s Aid working tirelessly to save vulnerable women in the city.

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Manchester Women’s Aid Mission
  • To promote the equality of women
  • To protect women and their dependants through promoting the mental and physical health of such beneficiaries; advancing the education of such beneficiaries; relieving need, hardship and distress among such beneficiaries and advancing the education of the general public in relation to issues of women’s equality and domestic abuse.
Manchester Women’s Aid Refuge (Emerge)

The charity provides temporary emergency housing for domestic violence victims. It currently has five refuges across Manchester catering for up to 30 families in crisis. Many of the refuges offer full disabled access. The refuges are a mixture of self-contained units and communal homes. The charity also helps facilitate the move to a more permanent accommodation.

Manchester Women’s Aid also provides interpreters for women who do not speak English and they also assign a support worker to every woman who walks into their refuges.

I think this charity is amazing and I am glad to know these services are available to those who desperately need it. If you or someone you know is experiencing any form of domestic violence, please speak out and get help. There are many support services like Manchester Women’s Aid set up to help you get out of such toxic environments.

Donate

You can click here to donate to Manchester Women’s Aid. You can give as little or as much as you like – £10 could provide a welcome pack for a woman or family arriving at one of our refuges, with essential toiletries and other basics.

 

 

5 Things to Expect When Buying Your First Home

*Collaborative post.

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Are you looking into buying your very first home? Congratulations. Owning a home is certainly something that many people aspire to so as you set out to start looking into buying one, there are a few things you should expect in the process. To help prepare you for the ins and outs of the home-buying process, here are some things to consider:

1.The first loan offered may not be the best loan for you.

It’s very easy to start the process of looking into buying a home and choosing the first seemingly good deal that is made available to you. The truth is that as good a loan as that may be, you could be selling yourself short. You also want to see the various options available and their requirements, such as VA income requirements, as it’s important that you take the time to find the ideal financing option for your particular situation and goals.

2. It’s a serious financial commitment.

When it comes to buying a home, there are so many things to consider. For one, it’s a huge commitment. While most people recognize the aspect of needing to pay a mortgage for years to come, some don’t take the other factors into account. From fees to the down-payment to potential repairs, and more, committing to buying a home can be a serious financial endeavor. Not only that, but in some areas, you may even need to commit to potentially expensive monthly maintenance fees that are required by the HOA. So, before buying, consider all the fees and extras you may not have accounted for.

3. You may not be approved for the price you’ve been planning for.

While you may be looking at your finances and think that the money you saved for the down-payment is great and you’re well-positioned for the home of your dreams, bear in mind that there may be a variety of factors that mean you’re not able to afford the type of house you had originally thought of buying. Because lenders look at a broad variety of factors relating to your income and assets, at the end of the day, your loan may not get you that huge home with a large yard in the BEST location that you originally dreamed of buying. Not to worry; there may be a few compromises that you’ll need to make along the way, but you’re bound to find a great option that suits your needs and your price range.

4. It helps to have debt paid off.

When applying for a mortgage loan, it can be helpful to have your debt paid off or at least most of it. You’ll have your debt-to-income ratio looked at and a large amount of debt yet to be paid can be a red flag for the lender you’re trying to get approved with. If buying a home is a few years down the line, consider paying off your debt as soon as possible. It can go far when it’s time to get approved for that home you want to buy.

5. The better your credit, the better the outcome.

Along the same lines, your credit needs to be in a pretty good condition if you want to be able to buy a home. If your score is above 720, you can expect better interest rates. Lower than 620 and you may not even be approved at all. Again, if you hope to buy a home in a couple of years, it could be a good time to start building a solid credit history now.

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In Conclusion

There are a plethora of things to think about when planning for buying a home. These above-mentioned aspects are important to know so that when it comes time to start the process, you’re fully prepared. From your credit to the type of loan you apply for, buying a home requires planning and patience, but at the end of the day, all of this will be worth it.

Charity of the month – Rethink Mental Health

One of the charities I am supporting this month is Rethink Mental Health. Our mental health is so important, especially now with all the new lockdown restrictions we are now experiencing. Many people are isolated in their homes and it is hard. We need to remember to pay attention to our mental health as much if not more than our physical health. A healthy mind is needed to combat the chaos going on in the world and this is why charities like Rethink Mental Health are so important.

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Rethink Mental Health focuses on improving the lives of people experiencing a mental illness through their network of local groups and services, expert information and successful campaigning. The goal of the charity is to make sure everyone affected by severe mental illness has a good quality of life.

Many people think mental illness happens to only a certain type of people and not as common, but that is so not true. The truth is one in four people will experience a mental illness in their lifetime, and no one is immune to mental illness. Taking care of your mental health is a daily job and it is not something anyone should take for granted.

Rethink Mental Health Vision and Impact

Our vision is for equality, rights, fair treatment, and maximum quality of life for all those affected by mental illness, their carers, family, and friends. As one of the largest charitable providers of services for people living with mental illness, we are well placed to make a direct impact on the care people receive.

But we have a much larger vision too! Our vision is to transform at every level the way our nation approaches mental illness. Every year, our diverse range of information and support helps tens of thousands of people get through crises, live independently, and feel that they do not have to face mental illness alone.

You can support Rethink Mental Health by donating here or becoming a volunteer.

Also, for those you missed this post, here are 14 benefits of investing in your health and wellness.

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