Author: Scottish Mum

Getting your kids around from the Brighton seafront to school to activities can be challenging.

Popping to the shop for those last minutes supplies needed for cake and bake sales, unexpected dress up days
and other similar appeals which children love to let us know about at the last moment, means
that having a car is a must for many mums who don’t have reliable access to public transport.

New cars cost a lot and bring other associated expenses with them, some of which are tied
to the cost price, making second-hand cars a good option for many mothers.

Here’s how you can find the perfect used car for your family.

Window Shop First

Before you start looking seriously for a car to buy, make sure you do some market research
first. How much are other used cars going for? What is a realistic budget for you, and what kind
of car will that get you?

Consider other points:

Size

• How many children will you be expected to fit into the car on a regular basis?
• How much baggage will the family carry about as normal?

These two questions will help you work out what size vehicle you need, which can help to narrow it down to a select few makes and models.

Reliability

• Volvos, famously, regularly win awards for vehicle safety, making them the perfect car for young families.
• It is useful to research if there are any other makes and models that are particularly good for transporting young children, or alternatively, whether there are any models that you should actively avoid.

Luxury Levels

• When you are buying second-hand vehicles, you can sometimes allow yourself a measure of luxury, due to the comparatively lower prices of used cars.
• Doing some research before you commit to a serious search for the car, can teach you about some options that you otherwise might not have considered.

Reputable Dealer

Once you have narrowed down some options you can buy used cars in Brighton, when you visit
KAP Motor Group – whether your needs are very specific (make, model, colour) or if you
have a vague sense that you need a ‘bigger car, something like an estate’.

In almost all cases, you are better off buying your new-to-you vehicle from a reputable second-hand car
dealer rather than a private sale or using an auction site. This is because dealers have fixed
premises, and actively enjoy working in the second-hand car market, matching people with
their dream car for less cost than might be expected.

And then you can hit Brighton Beach in style, letting your children know that you really are the cool mum!

The energy issue is a very personal one for all of us. From the start of the rises in 2022, my gas and electric bills tripled. They were as big as my mortgage and completely unacceptable.

Honestly, it seems to have never ended. Middle boy is in a good placement as a young adult and is very fortunate to have that place, but it’s still a challenge, every single day. Washing is up to my ears EVERY SINGLE DAY.

Old Supplier

Electric bills are still high, but at the height of 2023, we were facing £300 a month for electric, and about £300 for gas. Ridiculous, so we stopped using gas much as the boiler also went daft and kept switching off. I couldn’t move supplier at the time as we had SMETS 1, first generation smart meters. If we changed supplier, the meters would have gone dumb. Our gas meter was blind for two years when our supplier wouldn’t change it. They guesstimated our usage and we couldn’t prove we didn’t use it.

We were promised an off state calculation. Our usage with a new meter showed we only actually used £500 for the whole of the next 6 months in total. Our supplier went back on their promise to do off state calculation for the time we were made to pay £300 per month. Going by current kw use, we know we’ve paid nearly 3k too much during Covid and can’t do a thing about it as the meter was dead. We’re not alone in that either. The app is pathetic and incentives to stay tiny. Absolutely no appreciation of the customers paying them a small fortune for 30 years.

I’m not going to name them, as I don’t want it coming back on me. I’ve got nobody to blame but myself for not being more assertive on this.

Supplier Change

Fast forward to a couple of months ago and my SMETS 1 meter was finally registered on the DCC network, meaning we could change supplier and have our meter remain smart. As soon as that happened, we moved to Octopus Energy. I honestly want to cry. At the first download of their app, my readings show my usage with a day or two delay, but not much.

As soon as that registered, I swapped onto a smart tariff that changes price daily.

Octopus Tracker

My bills have been decimated. Don’t get me wrong, there is a risk to the Octopus tariff, as it is not covered by the price guarantee, but we can change back if the prices go too high. There is a ceiling rate of 100p per kw electric and 30p kw gas, but since about 2022, it hasn’t gone above the average.

I don’t usually get involved with supplier things. The app is a little gamified in that there is a spin the wheel event every month when the direct debit is paid. There are challenges to do, which award points that convert to small amounts of money. Small things like the points systems might seem like nothing, but we came from a supplier where nothing was really the only thing we got. It’s a nice change to feel in charge and able to see the data broken down.

This month, I even got a sausage roll and a coffee from Greggs as part of my app experience.

The low down is that my gas bill halved and my electric has reduced significantly. Even having it on far more. I’m paying so much less and have set aside some money in case there are a few days where the tariff does end up going higher. We’d just move our usage around on those days. I am now on the tracker tariff from Octopus.

Old Supplier: 28p per kw for electric and 7.8p kw for gas on standard tariff.
New Supplier: Averaging about 18-20p kw per day for electric, and 3.5 – 4.5p kw for gas on smart tariff.

Octopus Tracker and Agile are based on wholesale prices and change daily. Prices can go up and down.

Find out more at the links below:

Octopus Tracker FAQ

Octopus Tracker Current Unit Rates from Octoprice

Join Octopus

If you decide to move to Octopus, both you and I could get £50 each in our accounts when you pay your first direct debit. Sign up by using the affiliate refer a friend link below. If you are a business, we could get £100 each.

https://share.octopus.energy/warm-bat-410

By Phone, or in the after sign up option, use the code: warm-bat-410

The referral scheme is administered and run by Octopus Energy. Scottish Mum Blog is not affiliated with Octopus Energy is any way. For information on referrals, go to https://octopus.energy/blog/octopus-referrals

Dehumidifiers seem to be everywhere in the news, with few people really understanding what they are for and why they would use them. Until a couple of years ago, I only used one when my business premises back wall got wet during winter, or when I’d painted walls and wanted them dry quickly.

Is Your Home Damp?

The first step in any dehumidifier exploration, is to find out if you have a damp problem in your home. Everything else is just gravy as they say.

A cheap hygrometer from Amazon will keep you up to speed on the humidity levels in your home. I bought a set of three and have them dotted around the house. Ideal humidity levels are around 30-50%, however the fifties are considered acceptable.

Most Common UK Dehumidifiers

There are two main types of dehumidifier, Desiccant and Refrigerant.

Desiccant Dehumidifier

A desiccant dehumidifier works differently from a refrigerant, is usually more expensive than a refrigerant buy, and costs more to run in electrical energy. The desiccant releases more heat into the room that it is placed in, and removed water from the air by soaking it up in the same way that a sponge works, and drips from that into a condenser tank. These dehumidifiers can be used in very cold spaces of less than 15C.

The heating effect is not significant, however, over several hours, there will be some heat into the room, but is not needed where heating is already being used. People generally use a desiccant dehumidifier if they are not using heating in winter, for unheated garages, conservatories or garden rooms.

Refrigerant Dehumidifier

The refrigerant dehumidifier works similar to your household fridge and are the most popular in the UK, are generally cheaper and work best in an environment that isn’t too cold. Like your fridge, the dehumidifier cools and when warm air comes into contact with it, it changes to condensation which is then collected in the condenser tank. I have two refrigerant dehumidifiers.

When the warm air is cooled and condensed, more warm air is then drawn to the cooler air and the cycle is continuous until switched off or the programmed setting is achieved. Output waste air can be 1-2C higher than the air temperature, however, this might not be noticeable over a few hours. If my dehumidifier runs in a room overnight, the room feels warmer in the morning, which is likely due to less water in the air, so the air feels warmer and is easier to heat.

Capacity

The important thing to remember about dehumidifiers, is that the size of dehumidifier does not relate to the size of the water collection tank. Examples:

• A 12 litre dehumidifier has the capability to pull 12 litres of water from the air over a 24 hour period in optimal conditions stated in the specifications.
• A 20 litre dehumidifier has the capability to pull 20 litres of water from the air over a 24 hour period in optimal conditions stated in the specifications.
• Any dehumidifier may have any differing size of water tank. My dehumidifiers have 4.5 litre tanks and are able to draw 20 litres from the air over a 24 hour period if the conditions are optimal. In practice, I can take out about 3 litres over a day.

Main Dehumidifier Features

• Small, Medium or Large capacity. Up to 12 litres is a small capacity suitable for small homes with few issues with dampness. Up to litres is medium sized and will help with extra moisture or more people using bathrooms, cooking and washing/drying clothes at home. It is more helpful if there is an obvious medium damp problem. Large dehumidifiers are usually in the range of 18, 20 or 25 litre capacity and can help with laundry, dampness, larger households and water damage.
• Drainage can be an issue with larger tanks, but some options have the ability to connect a hose and empty the tank without removing it from the dehumidifier. My ones have a hose, but I have never used it, as it is easier for me to take out the tank and empty it. Some people recycle their water and use it to water plants.
• Hygrometer/humidistat readings. This measures the current level of moisture in the air and changes the settings of the humidifier to enable reaching the setting you have put down. My humidity can begin about 70%, which isn’t too wet, but I am happiest when my house is sitting in the 50’s. Very wet houses can have a very high percentage of water in the air or the walls, and reach 90% or more.
• Timers for best or most economic time of use for electric tariffs, but if yours doesn’t have one, buying a plug timer is simple enough.
• Laundry mode is often in the specifications, and on dehumidifiers that don’t specify this, it is usually simply the highest setting that the dehumidifier can be set to.
• Smart apps can help with the more modern eco dehumidifiers, and lets you control it from a distance. Very handy for checking the humidity and changing the settings.

10 Reasons to Use a Dehumidifier

My top ten suggestions.

1 – Dry Home After Leak / Flood / Water in the Walls / Mouldy Dampness

We all have spells where our homes come into contact with water at some time. For us, the usual is a broken tile on the roof, causing water to leak into the house. We have had two floods or non natural disaster. One where an upstairs bathroom bath drain failed ,and the whole bath emptied onto the roof and downstairs, flooding the whole area with water dripping through the lights and soaking the roof. We had to take off all the plasterboard and insulation and redo. Nightmare.

The other was when three three year olds went into my bathroom, took off their socks and stuffed the bidet with them, then were dancing around in six inches of water. I was downstairs with the two other mums, thinking our kids were in my kids bedroom, when the drips started coming through the roof and the water started running down the stairs. Five to ten minutes is all it took to destroy three rooms and drench the stairs. They were my first ever forays into the world of dehumidifiers, taking out most of the water damage from roof and floors quickly.

2 – Laundry Drying Option

I have never used mine mainly for this, but I know many people who do, especially with the energy crisis, or those who don’t have room or budget for a tumble dryer. I did use it a few times last winter when I had towels out drying and nowhere to dry them and trying to keep the heating at a reasonable cost with the price rises.

Our gas meter wigged out with a blank screen and we had no idea how much we were using. British Gas took months upon months to change the meter, and the estimates just went up and up and up. My tumble dryer broke, and there was no option but dry indoors. I hated the feeling of breathing damp air in, as it affected my lungs, so I went and got a new dehumidifier while I waited for my tumble dryer to be fixed.

I think it is important to cost things here. I can dry a load of washing in my vented dryer, about 10kg in an hour on my tumble dryer at 60C, which costs about 58p at todays money. To dry the same load overnight with the dehumidifier costs me about 5-6p per hour for 12 hours, and then it all needs ironed or popped in the dryer for 5 minutes to soften.

For me, if I do one load of washing a day, it is cheaper for me to use the dryer than to have a dehumidifier running all night or until the clothes are dry. I can’t cope with hours to dry one load in the way heat pump dryers do, so they are not an option for me.

3 – Make Home Heating More Efficient

I wasn’t prepared for how much quicker my home would heat up after using dehumidifiers. If I have removed a load of water from a room, it heats and retains heat in half the time, keeping my gas costs significantly. For 5-6p an hour for a few hours, that might be about 50 or 60p, but my boiler is 35kw gas, and at decent heat, can start off about £1.50 an hour. Without using the dehumidifier, the air struggled to heat, and my percentage of moisture was not over 70%.

Using the dehumidifiers one night a week in my largest rooms with doors open, means the heating settles into about 50 – 60p hour on gas, sometimes bit more, which is a massive saving, and the house stays warm for much longer. It means we don’t need the heating on so often or for so long. People have to make their own decisions on if they feel a purchase will help them with their own homes. For us, our house is a largish 4 bed, and I bought the biggest dehumidifiers in my budget. I don’t think small or medium would have made much difference.

4 – Help Keep Home Dry

I’ll admit it. We used very little gas last winter when we had no idea how many kwh we were using and the prices skyrocketed. I found a couple of clothing items and a suitcase in a cupboard which had a few mould spots. They went in the bin, but I can see how easily a home can go from perfectly good to wet and mouldy in a short space of time. Even though I didn’t class my home as very wet, we drew litres and litres of water from the air, which was a surprise. Once the rooms are cleared of excess water, it can be left on the automatic setting, but I tend to switch mine off.

5 – Help Control Allergies and Asthma

This is one I hadn’t really thought about. Allergy symptoms are an issue in our home due to asthma in the family, which cases wheezing, sneezing, sore chests, sore eyes and itchy skin. Things that can trigger allergies are dust, dust mites, mould, pollen and cat dander.

Drying the air helps reduce these triggers as keeping the humidity below 65% can stop dust miles from breeding or mould from increasing. I didn’t realise my dehumidifiers had an air purifier setting and filter when I bought it, so it has done a double job in summer here when the pollen count was high, at reducing allergy symptoms.

Remember not to let the air get too dry, as that can increase symptoms of pneumonia, dehydrate those in the house and make cold symptoms like sore throat and stuffy nose worse. Keep to the recommended levels of your manufacturing instructions.

6 – Protect Our Homes

When the air in our homes is too wet, it can begin to break down and destroy the bones of our homes, or in other words, compromise structural integrity. Support beams and floor boards might swell up, burst or twist, and mould can begin to grow in the walls, roofs and floors. Metal door handles may begin to rust and our homes can begin to smell musty.

7 – Portable and Moveable around the House

Having a portable dehumidifier helps to keep the whole home more dry and warmer as a result. Although dehumidifiers can sometimes be heavy, they usually have caster wheels and handles to help carry them. This means that instead of having a dehumidifier in each room, you can move one around the house. Many people use them in the most damp rooms first for a few days, then work around their homes, finally settling on a place in a hallway with doors open to maintain a comfortable level of humidity,

8 – Reduces Window Condensation

In homes where there is too much water in the air, condensation can form on windows where the temperature is cold outside and warmer inside. Much of this condensation is the air we breathe, shower mist etc, but although this can happen in any room, bedrooms are the areas where this is often most noticeable. By running a dehumidifier on a low setting, this can eliminate or reduce the condensation on windows as there will be less moisture in the air to turn to water droplets when the air touches windows.

9 – Auto Settings

With automatic settings, you can just let the humidistat do its job. When the dehumidifier is set to come off and on at a certain percentage of moisture in the air, it will turn off and on as and when it is needed, which will also make the dehumidifier energy efficient by not being on 100% of the time.

10 – Choice of Dehumidifiers

Although some dehumidifiers can be very expensive, including desiccant ones, there is a huge difference in the options available and the brands available. Try to stay away from brands that are not well known as there will be little or zero aftercare and advice if something goes wrong.

Popular dehumidifiers include ones from:

• Toolstation. My ones are the 20 Litre Wessex ones. Mine were £159 each. They have everything I needed, but I would perhaps have liked a smart function, but hey ho. Princess dehumidifiers among others are also there.
• Screwfix have Blyss and Evac dehumidifiers which seem to have good reviews.
• Meaco have the big brand name, recommended everywhere. The 20 litre ones were out of my price range to buy two of them at over £300 each, but they are said to be amazing. (Amazon Affiliate Link) Meaco 20 Litre
• Argos always have a good selection.

The world of investing can often seem like a complex and daunting landscape, especially for busy mums who are juggling family life with a myriad of other responsibilities. Yet, there’s a gem within the financial world that can serve as both a haven for savings and a potential source of income: the Individual Savings Account, or ISA. For mums in the UK, ISAs represent a flexible and tax-efficient way to secure your family’s financial future.

Understanding ISAs

There’s nothing more exciting than planning your future. But before delving into the reasons to invest, it’s beneficial to find out more about ISAs here in the UK. They come in different forms – Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs, and Lifetime ISAs, each with its unique features and benefits. They are designed to encourage saving and investing by offering a tax-free status on the interest or returns you earn, which can be a significant advantage over traditional savings accounts.

Tax Efficiency for Family Savings

One of the prime reasons mums should consider ISAs is their tax efficiency. With the personal savings allowance already in place, the interest earned on money in ISAs does not count towards this limit. It means that whatever your tax status, you will not pay tax on your ISA earnings. This is especially beneficial for higher-rate taxpayers who might otherwise see a significant portion of their investment returns diminished by taxes.

Saving for the Future

Mums know the importance of planning ahead, and ISAs can be a vital part of that strategy. Whether saving for your child’s education, a family holiday, or even your own retirement, the money in an ISA can grow over time and be withdrawn tax-free. With the flexibility to contribute up to £20,000 annually (as of the current tax year), you have the potential to build a substantial nest egg.

Flexibility and Access

Life can be unpredictable, and financial needs can change rapidly. Unlike pensions, which are also tax-efficient but can’t be accessed until later in life, most ISAs offer flexibility. Cash ISAs, in particular, often allow instant access to funds, meaning you can withdraw money without penalty should an unexpected expense arise. This makes them an excellent option for an emergency fund.

Education in Investment

Investing isn’t just about putting money away; it’s also about educating oneself about financial markets. Mums who invest in Stocks and Shares ISAs can learn about different types of investments, risk management, and the nature of market fluctuations. This knowledge is invaluable and can be passed on to children, teaching them about financial responsibility and the value of saving from an early age.

A Tool for Home Decor Dreams

For readers of a home decor blog, an ISA might seem like a distant concept from the world of interior design. However, the funds accumulated in an ISA can be the very means through which long-term home improvement projects are realized. By investing wisely, the returns from an ISA can finance that dream kitchen renovation or the extension you’ve been yearning for without dipping into other savings.

Long-Term Growth Potential

The potential for long-term growth, especially with Stocks and Shares ISAs, can outpace the interest rates offered by regular savings accounts. Over time, this can result in a significant difference in the amount of money you have saved. For mums with a long-term outlook, this can mean more for your money and, ultimately, more security for your family.

A Personal Wealth Builder

Ultimately, ISAs can be an empowering tool for mums looking to build personal wealth. With the gender pay gap and the potential for career breaks to raise children impacting women’s savings, having a tax-efficient savings vehicle is more important than ever. ISAs provide a way to counteract some of these financial challenges.

Conclusion

Investing in an ISA offers a plethora of benefits that align well with the goals and responsibilities of motherhood. From tax efficiency and flexibility to the opportunity for long-term growth and financial education, ISAs can be a cornerstone in securing a family’s financial future. For mums looking to make smart choices with their money, harnessing the power of ISAs is a move that can pay dividends for years to come, offering peace of mind and the potential for a more comfortable lifestyle. Whether for home decor dreams or educational futures, ISAs stand out as a versatile and wise investment choice for mums across the UK.