How to Make Money when Going to University

College students have a reputation for being broke, and for good reason. However, you can change that, by finding some ways to earn money while at university. Here’s some tips from a reader how to do that.

Going to university can be a very daunting experience to say the least. If you want to help yourself, or someone you know make some money while at college then here are a few things that you


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Author: Penniless Parenting

Sweet and Sour Quick Pickled Beets Recipe — Vegan, Gluten Free, Easy

There’s this restaurant that I like to go to because its conveniently located, and has good Wifi, so I’m able to work while I’m there. But unfortunately, they don’t have such a large selection of gluten free items on the menu. Fortunately, though, one of their menu items suits my dietary needs and tastes delicious. It’s this quinoa salad that contains these raw pickled cubed beets, and is


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Author: Penniless Parenting

Benefits of Teaching Your Children to Help the Elderly

I didn’t grow up with grandparents around, but my children have grandparents who live in the general area. Most of them are not really elderly, but they are getting older, and I’m happy to learn from reader, Nancy Evans, about the benefits kids have by spending time with elderly people. In fact, this post makes me want to look into volunteering with some elderly folk in my area.

Parents who


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Author: Penniless Parenting

Helping navigate a contested divorce

Divorce reportedly impacts roughly half of all marriages. As a result, it is not unheard of to consider this to be a reality even before a couple says “I do,” in Texas and elsewhere. Whether that means drafting a prenuptial or postnuptial agreement, or making careful financial decisions, being conscience that a marriage could end in divorce could be beneficial in the event that one or both spouses seeks a divorce.

When divorce seems inevitable, some couples do not see eye-to-eye. A contested divorce can turn into a complex matter. At our law firm, we are familiar with a wide range of divorce matters. This has equipped us with the knowledge and experience to handle even the most complex or high-conflict matter.

Whether it is a single issue or every single issue at hand, when divorcing spouses do not agree this can quickly turn into a lengthy and costly matter. Our law firm tries to rationalize a workable resolution, attempting to help our clients optimize their chances of reaching a fair and even favorable divorce decree. It is important to determine what strategies will work best for you when it comes to property division and other family law matters.

To learn more, please visit our law firm’s divorce website. The end of a marriage can be messy. It can be highly emotional and can include many serious and difficult decisions. It is important to have a team on your side that can help you navigate these complex legal matters, helping to attempt to ensure your rights are protected and interests are met.


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Author: On behalf of Katie L. Lewis of Katie L. Lewis, P.C. Family Law

Divorce, who gets the house?

Can I stay in our family home if we split up?

This is such a common question that our lawyers are asked and quite rightly so. The family home is a special place and, in many cases, is the main family asset so it is little wonder that when a family breaks down, the property will be central to the divorce.

So we decided to revisit a blog from 2018 by Sarah Barr- Young, Managing Partner of Stowe Family Law in Ilkley which does a great job of explaining what options are available for separating couples and the family home.

“What are the options for the family home in a divorce settlement?

In a divorce, all assets held jointly and in sole names need to be identified and their values agreed in order for the negotiations to commence to bring the parties financial relationship to an end.  During this process, a value for the family home will be agreed for negotiation purposes.

There are several options for the home. For instance: one spouse buys the other one out and keeps the house, the house is sold and the proceeds divided, or one parent remains in the property and the other party may defer receiving the balance for their share. This can be until the property is sold or transferred to another party upon a specific future event, such as once the children move out or the partner remarries.

It is usually clear early on whether one party can afford to retain the family home post-divorce or if it needs to be sold. Retaining the family home is important when children are involved to give them stability as they adjust to the new dynamic, but this is not always financially possible.

What if I cannot afford to run the family home by myself?

If you are unable to meet all the outgoings on your income, you could seek assistance from your spouse as an interim measure if they have the money available to help and your own outgoings are reasonable. You will need to check that your income includes everything that you are entitled to e.g. child maintenance/tax credits etc. If your spouse is unwilling to agree, it is worth contacting the mortgage provider to see if they can offer any assistance by way of a mortgage holiday as a short-term solution.

My name is not on the property deeds – do I still have any rights?

If the property is the family home then the court views it as a joint asset. However, if the family home is in the sole name of your spouse you must act quickly and enter a Notice of Home Rights against the property with the Land Registry. This should help prevent your spouse from trying to sell the property without your knowledge or consent.

Are my rights affected if I move out before the house is sold?

No. If the atmosphere at home has become unbearable and you need to move out it will not affect your entitlement to a claim on the property. It is advisable to collect all your personal belongings, including paperwork, before you go in order to prevent any issues in recovering them at a later date.

Do you need divorce advice?

There are many myths surrounding divorce and what happens to the assets of a marriage so I always recommend obtaining legal advice from a solicitor so that you can get advice tailored to your own situation. This will enable you to make informed decisions about you and your family’s future.”

If you would like advice on divorce and who keep the house, you can make an enquiry here or call our Client Care Team at the number below.

The post Divorce, who gets the house? appeared first on Stowe Family Law.


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Author: Sarah Barr-Young

The mental effects of domestic abuse

I suspect that when most people think of domestic abuse they envisage physical abuse, and physical injuries to the victim. At least that is likely to be the case with people who have not experienced abuse, or witnessed it, whether first- or second-hand. But domestic abuse, even of the physical kind, can also seriously affect the mental state of the victim. Of course, it has long been well known that abuse of whatever kind can have a serious detrimental effect upon the victim’s mental state, but new research suggests that the effect is considerably more serious than, I suspect, many would have imagined.

The research was carried out by Birmingham University and published in the British Journal of Psychiatry. It should be noted at the outset that the research looked only at female survivors of domestic abuse, or “intimate partner violence” (‘IPV’), as the researchers called it, although I see no reason why the findings would not be similar with male survivors. They matched 18,547 women exposed to IPV between the 1st of January 1995 and the 1st of December 2017, to 74,188 unexposed women, identifying ‘outcomes of interest’ (anxiety, depression and serious mental illness).

The research found that 49.5% of women in the exposed group had some form of mental illness, compared with 24% in the unexposed group. That would suggest that women exposed to domestic abuse are about twice as likely to suffer mental health problems as women who have not been exposed to domestic abuse. However, the effect of abuse is actually worse than that. About half of the women in the exposed group had already experienced some form of mental health problem, whereas only about a quarter of those in the unexposed group had. The effect of this (as I read it) is that women exposed to domestic abuse are actually about three times as likely to suffer mental health problems as women who have not been exposed to domestic abuse.

That is quite a significant finding, indicating that the effects of domestic abuse are potentially even more serious than previously thought. And it may be trite to drag this up, but it is surely a truism: physical scars may heal quite quickly, but mental scars can take much longer. The adverse effects of domestic abuse may stay with victims long after the abuse has ended.

Obviously, as the researchers point out, the study could have important implications for health practitioners when treating women (and no doubt also men) with mental health problems. But could it have any implications in the field of law?

To be honest, I’m not entirely sure that it could have any direct implications, other than to make us all even more aware of the adverse effects of domestic abuse, and of how important it is that we do all we can to reduce the incidence of abuse, and to ensure that its victims are protected as quickly as possible.

We are not, for example, concerned here with the type of abuse. The study does not distinguish between different types of abuse, merely looking at the effect of abuse generally upon the mental health of the victim. We are not therefore considering whether the definition of abuse should be extended to cover other types of abuse. The Government is already intending to introduce a revised definition of domestic abuse in its Domestic Abuse Bill, as I explained in this post, and that definition will include “psychological, emotional or other abuse”, which obviously can have a direct effect upon the victim’s mental health.

But there are also indirect implications. Take, for example, the issue of child arrangements in a case where there have been findings of domestic abuse. It is easy to see that the effect of that abuse upon the mental health of the ‘victim parent’ could certainly have a bearing upon what arrangements are appropriate. For example, if the parent with whom the child lives suffers from anxiety problems resulting from abuse by the other parent, then that obviously must be taken into account when formulating any contact arrangements.

In short, research like this helps to inform those who have to make decisions in the family courts, and those who advise the decision makers.

You can read the research study here.

The post The mental effects of domestic abuse appeared first on Stowe Family Law.


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Author: John Bolch

Recent Frugal Accomplishments

I’ve been super busy lately, but even with that managed to get frugal things done. I’m really proud of all the frugal things I did recently. Here’s a sampling of them.

Produce to be used to make Turkish salad

Cheap Grocery Shopping
When I was in the neighborhood anyhow because of appointments, I went to a grocery known for their cheap gluten free bread and stocked up.
I went twice to the


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Author: Penniless Parenting

How Writing on Paper Is Good For Your Mental Health

Technology is very fast replacing things that used to be done the old fashioned way. The emergence of smartphones, tablets, and computers, which are mainly used for typing, is replacing writing on paper fast. There are numerous apps which ensure efficient typing at high speed and simple notes on digital devices. Interestingly, there are some in the personal development and productivity world that


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Author: Penniless Parenting

The value of your business can impact property division

Your business is one of the most valuable assets you have. In your divorce, you understand how critical it is to secure a property division settlement that allows you to keep your business going. You have the right to do everything you can to protect the small business you worked hard to build and grow over the years.

One important step is to understand if your business is marital property, and if it is, what will happen to it. Whether you will negotiate an agreement out of court or you will go to court for a divorce settlement, it’s smart to know what factors can determine what will happen to your company. One of these things is the worth of the business, a fact determined by going through the business valuation process.

What’s it worth?

Divorce does not necessarily mean that you will have to split your company in half and share it with your spouse. However, it is possible that you spouse has a rightful share to at least a portion of assets or profits from your company. The value of your business may affect how much your spouse gets or what you can keep, and this is more than just the physical things your business owns.

Intangible assets also have a significant impact on the value of your company. These are important things that add value to your company, but you may not see them or even think about them when considering what your company is worth. Intangible assets include:

  • Patents and patent applications
  • Client lists
  • Secret processes and proprietary information
  • Brand names of trademarks associated with your company
  • Contracts with suppliers, clients, employees and others
  • Goodwill, which is your company’s reputation and relationship with others
  • Tax credits for past company losses

These are just a few of the things that can ultimately affect what your company is worth. Dividing business assets is a complex process, and you will find significant benefit in working with an attorney experienced in financially complicated divorces.

The future of your business

In your divorce, you may feel that the long-term interests of your business are up in the air. With guidance, it is possible to fight for a fair resolution that will allow your business to continue successful operations and provide financial stability for you well into the future. To start, you may want to seek a complete evaluation of your case.


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Author: On behalf of Katie L. Lewis of Katie L. Lewis, P.C. Family Law

Stowe guests: Why do I need a divorce coach?

Today for Stowe guests, we are joined by Rebecca Spittles, a Divorce Coach from Bristol.

Rebecca offers one-to-one coaching sessions and workshops that focus on the emotional and practical issues surrounding separation and divorce.

She joins us to explain how a divorce coach can help you to stay focused and make clear and well-informed decision before, during and after a divorce.

“Why do you need a Divorce Coach?

Whether you have left, you want to leave or have been left, a Divorce Coach will sit beside you steering you through the myriad of information and emotions that will come up during and after your divorce process.

Unlike a psychologist or counsellor who will analyse and give advice, a coach is there to motivate, guide and inspire. A coach will focus on the outcome, and then break that down into sections (maybe weeks or days) so that you can make clear and well-informed decisions with the help of your solicitor.

A Coach is there for YOU as a sounding board and empty space for you to fill with the EMOTION of your Divorce.

But I have fabulous support from my friends and family.

Yes, and that is amazing, you can tightly wrap them around you. However, your coach will be there for you to rant at, to be angry at, to look for solutions for you, to help you find the light at the end of what can be a very long tunnel.

The most important thing is that your coach is unbiased, non-judgmental and wants the best outcome but isn’t your mum, sister or best friend who have their own personal feelings regarding your situation. A coach allows you to manage your own feelings and find strategies to deal with the emotions of the people closest to you.

What about the cost? I am already paying for a solicitor.

It’s no secret that it costs to get divorced, but by working with a coach you can speed up the process, save the frustration and unnecessary emotional turmoil and, in turn, save money. You can fully utilise your solicitor to do their job: to make your actual divorce as straight-forward as possible, sort out the financial element and the child contact element. You won’t feel the need to lean on them for emotional support – which they are not trained to give.

The benefits of a divorce and separation online course

This course is designed for anyone who has been through or is going through separation and divorce and is run in a group setting via Facebook.

It includes interactive Zoom calls once a week as well as my regular presence on the page – not forgetting the chance to ‘meet’ people in the same place as you.

Small 5 minute ‘Game Changer’ challenges will be posted daily as well as inspirational stories and techniques to assist you at this truly challenging time of your life.

My next course starts on 1st July for further details go to my website or call 07427 173839 or by email: rebecca@rebeccaspittles.com

The post Stowe guests: Why do I need a divorce coach? appeared first on Stowe Family Law.


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Author: Stowe Family Law