Following a car accident, your physical well-being is naturally at the front of your concern. When you’ve been seriously hurt, though, it can take longer to recuperate both mentally and physically. Even when your body has healed and you’ve gotten back on your feet, the consequences on your mental health may persist. In these circumstances, you must give yourself time to heal, and here is some advice on how to cope emotionally after a bad car accident.

Talk about your worries and concerns

After a major car accident and injury, you may develop concerns and anxiety about a specific event. Talk to your doctor or a psychologist about your anxieties; they may be able to help you overcome them through counselling.

You might want to speak with other people who have been in serious car accidents to learn how they dealt with the initial phases of rehabilitation. While a doctor can help you through psychotherapy, interacting with someone who has been in your shoes can sometimes be more beneficial.

Get the financial help you need

Not only has your car been wrecked, but you may also be out of work for an extended length of time, which can have a negative influence on your income and lead to debt. As a result of these debts, your mental health may be suffering, and you may find yourself thinking about them frequently, causing you to lose concentration on other things. 

Speaking with an experienced group of car accident attorneys to see if you have a legitimate case can help you seek financial assistance for your car accident. If you weren’t at fault, you may be able to seek compensation to help you get back on your feet financially. Alternatively, you might speak with a debt counselor about how to pay off your obligations while staying on track with your present budget.

Don’t delay driving

It’s understandable if being in a car accident has made you reluctant to travel by car, especially if you’re the one behind the wheel. However, if you wait a long time after an accident to get back in the car, you’ll be less inclined to ever drive again. Consider the advantages of driving, such as the flexibility to go wherever you choose, the lack of public transportation fees, and the overall convenience for shopping and leisure activities. Slow down, bring someone along to help, and you’ll be back behind the wheel in no time.

Consider a safer car

Finally, even the safest cars can be involved in serious accidents. If you believe your car choices have been unsafe, you might want to look into safer car options. Looking for family cars with extra safety features will make you feel safer while driving, as well as provide you with an extra layer of protection in the event that your car is involved in another accident. Remember, studies show that if you obey the rules of the road and drive carefully, you’re considerably less likely to get into another accident.

Your credit score is one of the most important things you have in life as it can determine how much money you can borrow. It is something that will be analyzed to determine your affordability for large purchases such as a house, car or if you want to put an item like a phone or expensive watch on finance. Your credit score can be bad for a number of reasons, such as if you have large amounts of debt, if you miss payments or are not on the electoral roll. If you find yourself being contacted by skip tracing for late payments, this will also have a negative affect. To avoid this from happening, it is important to try and build up your score. Whether you have a low score now that you are trying to improve, or you are looking to build your score to the best it can be as you will soon be applying for a large purchase, here are some ways that you can improve it in no time.

1. Keep your credit utilisation low

It is important to keep your credit utilisation low so you don’t look like you rely solely on credit. Credit should be to boost your finances and not something that you solely depend on. You should always try to use less than 50% of your credit utilisation so it shows this. If you can keep your credit usage below 25% of the limit that is the best way to improve your score. If you have used quite a lot of credit it could be worth upping your limit (but not spending any more on it) so it means you are within your 50% limit.

2. Make your payments on time

Late payments are a massive no-no when trying to improve your credit and can stay on your credit report for up to seven years. This is why it is so important to ensure that you make your payments on time, every single month. If you find that you forget to make payments on time, why not try setting up a direct debit that takes the money straight from your account and pays the other debt off? This way you don’t need to remember to do it yourself every month and will make sure that you never miss a payment.

3. Build your credit history

If you don’t have any credit, then it is a good idea to get some so that companies can see how well you pay bills and debts. Why not get a credit card with a small limit and pay it off in full each month? Or take out a phone contract that is in your name? Also make sure that you get on the electoral roll. This is often a problem that a lot of young people have regarding credit but can easily be built up with a few steps.

These are just a few of the ways that you can improve your credit score. By implementing this you will find that your credit score will soon improve and help you with future financial applications.

Does it feel like you’re seriously lacking in space in your current home? Do you find the clutter has taken over your life simply because you don’t have enough storage space? Do you and your family members feel as though you’re living on top of each other with little to no privacy? If you’ve answered yes to these questions, then there’s a good chance you’re already convinced it’s time to upsize your home. But what if you can’t or don’t want to upsize the budget? Can you upsize your home in an affordable way?

With that in mind, here’s a look at some of the cheapest places in the UK where you can upsize your home.

Orkney

Top spot goes to Orkney, which is not only a great location for upsizing but offers all kinds of other benefits to residents. It’s here that you’ll be able to take advantage of a bigger living space without having to inflate the budget exponentially.

As an in-depth article by deacon.co.uk – a specialist buildings insurance provider – points out, it is often called the happiest place to live. Residents consistently point out their high quality of living, low crime rates, school class sizes in the primary years are low. It’s rare you’ll find anything that would be classified as a traffic jam, there is plenty of open land and wide-open spaces, and you’ll be treated to some of the most exceptional natural scenery in the world.

Richmond in North Yorkshire

Another great location to research is Richmond in North Yorkshire. It features many of the same draws as Orkney does, but this time you will be located in England. The cost of living is more reasonable than many other areas of the UK, house prices are still affordable, the crime rates are low, and you’ve got a robust nightlife and entertainment scene that you can explore.

Rutland in the East Midlands

If you like that quiet kind of setting that is filled with history and fabulous architecture, then you may want to consider Rutland, which is the smallest county in Britain. There are plenty of rolling hills, the River Welland, a lot of agricultural lands, and is a drivable 164 km from London (ideal for a weekend getaway).

Hambleton in North Yorkshire

Hambleton is located in England’s northern regions with Northallerton being the largest town in the district. The district is dotted with small towns and villages, is known for its agricultural lands, and even got the title as the “best place to live in Yorkshire” a few years back. This title was based on life expectancy, overall health and wellness of residents, personal well-being, weather, crime rates, and employment.

Other Notable Places to Consider

And if you’re still not sold on the places listed, other affordable areas that you can potentially upsize your home include Eden in Cumbria, Westminster, and Richmond-upon-Thames. Each has its own unique personality and list of benefits. No matter which of these locations you pick, there’s a good chance you’ll be able to fulfill your goal of branching out and upsizing your home to something that is more functional and liveable.