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Times are hard, and it’s no surprise to learn many people are spending more than they earn. New research has found one in 10 people spend more than they have in their current account at least seven months each year, and more than half (59%) spend more than they earn at least one month a year. The research, for website TopCashback, also revealed that while parents with children under 18 typically have just £179 left in the bank the day before payday, nearly three-quarters (73%) of people feel they don’t have their spending fully under control, with nearly half (47%) citing the rising cost of living as the cause. And around two-fifths (41%) admit they feel anxious about the cost of living on a weekly basis. “So many people are guilty of spending above their means – let’s face it, it’s why credit cards are such big business,” says finance expert Vicky Parry, head of content at MoneyMagpie. She says emotional spending can be a real issue, pointing out: “When we feel deprived of something, it makes us seek out that dopamine to feel good, so we online shop, and we buy things we don’t even need.” And Rajan Lakhani, a money expert at the smart money app Plum, says: “With wage growth now beginning to exceed rising costs, households may be tempted to spend even more.” But he stresses it’s important to try to get any high interest debts down before succumbing to spending temptations, and notes there are plenty of easy ways for families to reduce their spending. Here, Parry and Lakhani outline their tips for family cutbacks as the cost-of-living crisis continues to bite… 1. Avoid brands Parry advises families to stop buying branded goods in the supermarket, pointing out that the mark-up can be huge. “More often than not, it’s made in the same factory as the supermarket’s own-brand product,” she says. “If you equate a brand as a stamp of good quality, then try to change this mindset – look at the taste awards and you’ll see many own-brand and cheaper products are superior.” 2. Get the kids involved with cutting energy bills If they’re old enough to understand, talk to your kids about why it’s important to switch off lights when they leave a room, and why the heating might not be on as much when winter comes. Lakhani says: “As a dad, I’m having to constantly tell my eldest daughter to switch off the lights when she’s left the room. That helps in the short-term, but explaining to children why it’s important to do this, whether it’s the benefits for household bills or the environment, means they’re more likely to remember.” He says smart meters also provide a fun way to bring cost-saving to life for kids, as they can see the impact of switching off lights or turning off appliances that aren’t being used. “It becomes a game for them, and you can create competitions around who’s being the most energy-efficient,” he suggests, pointing out that children’s help could make an important difference, as although energy bills have fallen, prices are still far higher than they were at the start of last year. 3. Budget Keeping your eyes firmly on a budget is the first step towards stopping overspending, stresses Parry, who points out there are some good budgeting apps that tell you what your monthly budgets should be. “Have lists of items you want, items you need and items that will make your life easier,” she suggests. “If you see a top in the sale, yet ‘top’ isn’t on those lists, you’re being impulsive. It’s a good way to remember what you genuinely need.” Lakhani says it’s crucial to budget in the supermarket, and families need to “develop your special superpower” against clever in-store marketing ploys. “Have a set budget and shopping list, and ringfence how much you want to spend on groceries,” he advises. He suggests buying groceries online can help with set budgets, because you can see how the costs are totting up as you put them in your virtual trolley. “Buying groceries online also reduces the chances of being tempted by impulse purchases and kids asking for extra things, while also being easier to find offers,” he says. 4. Childcare share After-school clubs may be a necessity for some parents, but the cost can be crippling – Parry points out that the average fee for an after-school club is usually between £8-£15.50 per session, so five days a week for the 39 weeks of the school year can cost as much as £2,925 per child per year. But you can cut that cost completely, she says, by getting a group of trusted parent friends together and taking it in turns to have all the children over after school for one night each a week. 5. Walk more Although it’s often tempting to use the car for short trips like the school run, Lakhani stresses: “Walking the kids to school is not only good for your pocket, but for the planet and your health. It also gives you more face-to-face time with your children, so you have more time to know how they’re feeling and what’s going on at school. “With petrol costs on the rise again as oil prices are increasing, this is a relatively simple way to cut your costs.” 6. Beware of hobby stacking Hobby stacking is when kids develop a passion for a particular pastime, and then forget it and move on to another within a few weeks. “Before you go out and buy all the kit and gear for something which is essentially a phase, try and borrow it from a friend, or make do, until you’re sure this passion is a long-term investment,” Parry advises. 7. Cut nappy costs If you’ve got a baby, nappies can cost a small fortune, but Lakhani says you can save money by buying them in bulk or having a subscription, which are often discounted. “If you’re buying in bulk,” he says, “ensure you don’t purchase too many, as you could be left with nappies that are the wrong size as your baby grows.” In addition, compare the price of nappies at different retailers, or for an even cheaper option, use reusable nappies. Not only are they cheaper (in the long run), but they’re better for the planet too. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live What is combination cholesterol therapy, as study suggests it could save lives? Cancer cases in young people ‘are rising’ – the warning signs to look out for How construction expert Daniel Ashville Louisy went from social media star to TV host

The type of toys children play with can have a profound effect on their success in adult life, according to an academic report. Dr Jacqueline Harding, a child behavioural expert, said repetitive childhood play can provide a long-lasting memory imprint and have the potential to subconsciously steer their career path. And they can help develop and deepen problem-solving abilities and improve imagination and creativity. Dr Harding explained how joy in early life from playing with toys can become a strong driver in later life decisions. It follows research of 1,000 parents of 0-7 year olds, which found 75 per cent buy toys they hope will contribute towards their child’s future success. More than half (51 per cent) deem their child’s playthings very important to develop their critical skills, crucial for everyday life. The study was commissioned by Mattel, creators of Thomas & Friends, which has released a white paper from King’s College London revealing the social and cognitive benefits of train play for children. Dr Jacqueline Harding said: “Favourite toys tend to be played with almost every day and it is this repetitive act that can leave an imprint on the young developing brain. “So, it almost goes without saying that the playthings young children engage with on a regular basis can have a long-term effect and may even subconsciously steer them in a particular career direction. “Of course, this is hard to prove beyond doubt as there are so many other factors involved - but taking toys seriously is a good idea as children spend so much time engaging with them, and choosing wisely according to their individual interests can pay real dividends.” The biggest benefit parents believe children get from toys when it comes to improving critical skills is the improvement in their fine motor skills (68 per cent). Almost as many (67 per cent) said it was how toys drive imagination and creativity, while 63 per cent think toys can help with problem-solving skills. While 86 per cent went as far as saying they think toys can have a large or moderate impact on improving a child’s chances of a successful career, in the future. But when it comes to actually choosing toys for their children, the top priority is that it they are age-appropriate (59 per cent). Others want to ensure the toy is safe (55 per cent) or more than its perceived educational value (47 per cent). It also emerged 58 per cent have particular brands or toy lines they turn specifically for their developmental value. But 21 per cent fear their little ones don’t play with educational toys as much as they’d like, according to the OnePoll.com data. Dr Harding added: “One astounding insight is that at two years of age children engage in the same level of mental work as adults whilst engaged in imaginative play. “It is well established that imaginary play and creative pursuits offer up a wealth of surprising benefits that have exciting biological and neurological benefits for children and adults. “During childhood, the brain is known to be particularly absorbent – this is known as ‘neuroplasticity’. “In other words, it is easier to learn aspects of life – so not only does play yield a significant benefit during childhood itself but also in later adult life.” It comes after a separate white paper by Dr Salim Hashmi, a researcher from King’s College, reviewed more than 1,600 scientific research papers to explore the advantages of playing with toy trains. One of the primary benefits Dr Hashmi identified was children who play with toy trains can develop better thinking and social skills, allowing them to learn and practice collaboration, cooperation, and social understanding while interacting with others. His study also highlighted how playing with toy trains allows children to develop and refine essential thinking skills, contributing to their problem-solving abilities. Talking about his research for Thomas & Friends, Dr Hashmi said: “Constructing tracks, arranging train cars, envisioning scenarios, and enacting them during train play can stimulate cognitive development and enhance critical thinking, spatial analysis, and decision-making skills. “Collaborative play with toy trains could help encourage teamwork, negotiation, and collaboration, as children share resources, ideas, and play together. “Additionally, playing with toy trains provides children with opportunities to develop and practice problem-solving abilities. “Overall, train play, is an excellent way for children to develop key skills.” Top tips on choosing a toy for your child: 1. Take time to watch your child playing and try to get ‘into their thinking’ – what appears to light up their brain? 2. Guide children towards toys and play experiences that meet the need for them at their stage of development. 3. Be aware of the types of play that can aid them in their future – toys that help them begin to connect with others (when they are developmentally ready and able to do so). 4. Play with your child in a way that does not take over but allows them agency - a little control. 5. At other times, sit back and allow your child space to think while they play - being mindful that in their brain so much is taking place. 6. Talk to your child in ways that they can understand about what they are doing while they play – just gentle questions not an inquisition. Children often wish to share with adults what they have achieved or what matters to them while they play. 7. Allow your child time to explain what they are doing. Younger children will perhaps just show you rather than talk about it while older children might wish to discuss how they solved a problem or found a solution while they played. 8. Help children begin to collaborate with others while they play. Sometimes this may just involve keeping a watchful eye and ensuring a fair distribution of resources, so conflicts are avoided. 9. Relish play and be respectful of the power it yields in terms of a child’s mental health and general wellbeing. 10. Guide children towards toys and play experiences that are inclusive and not gender specific. Read More Study finds free childcare reform has ‘little benefit’ to poorer families Couples delay getting married in order to buy new home Most children in kinship care living with at least one grandparent, figures show Sophie Turner and Joe Jonas reach agreement after child custody row Comedian Ashley Blaker on why he wants to ‘change the conversation’ around children with special needs Brian Austin Green gets candid about co-parenting with Megan Fox

Nobody likes getting sick, and illness on holiday is even worse – who wants to waste their precious vacation days lying in bed when they could be out having fun? Unfortunately, the chances of catching a bug can be high when you’re travelling. From airports and planes crammed with passengers to hotel rooms and restaurants with questionable cleanliness (even if it’s not visible to the naked eye), no wonder so many of us end up with the lurgy abroad. Here, health experts discuss the major health risks that occur on summer holidays and how to avoid them. Airports “Airports often become crowded and therefore they present multiple hygiene risks,” suggests Dr Donald Grant from The Independent Pharmacy. “Touching surfaces, using airport bathrooms and being in close proximity to others can cause bacteria to spread, so it’s important to be hygiene-alert.” Plus, having to hand your passport, boarding pass and luggage to different staff members increases the number of touchpoints throughout your journey. Dr Angela Rai, GP from the London General Practice recommends regularly washing your hands or applying hand sanitiser as you make your way through the airport. She says: “Washing your hands or using hand sanitiser helps reduce the risk of transmission of lots of different infections, including viral infections, coughs and colds and potentially gastrointestinal infections as well.” Flying “If someone is sitting next to you [on an airplane] and they have a cold, it may well be that you might catch one,” says Dr Preethi Daniel, deputy medical director at London Doctors Clinic. “There are hundreds of viruses that cause illness and the fact that you are mixing with people from all over the world means exposure to viruses and bugs your body may not be used to already.” It’s not only airborne bugs that you have to worry about, says Grant: “Again, it’s important to wash or sanitise your hands frequently during your flight, especially before eating or drinking, after using the bathroom, or if you’ve touched your armrest, tray table or TV screen.” As an extra precaution, you might also want to wipe down your down your table and armrests with an antibacterial wipe. Hotel rooms “While all hotel rooms should be thoroughly cleaned between each guest’s stay, you can never be fully sure that your room is bacteria-free,” says Grant. “To be on the safe side, take some disinfectant wipes and give the surfaces a good wipe down when you arrive — and don’t forget the TV remote, which may have been handled by hundreds of people without being cleaned.” Be extra careful with eating and drinking utensils in your room, he adds: “You should avoid using drinking glasses or mugs provided by the hotel without cleaning them thoroughly first.” Food and drink When eating and drinking at local spots abroad, Daniel’s advice is to “check for cleanliness even in established restaurants; paying particular attention to the state of tablecloths, cutlery, glasses and whether the tables are wiped down properly”. Look out for flies on food as well, she warns: “They are often loaded with pathogens as they do not discriminate between feeding on food or faeces. “E. coli, salmonella or shigella are some of the most common causes of gastrointestinal infections on holiday. “Hepatitis A and typhoid are other infections you can contract from contaminated food or water.” Never drink tap water unless you know it’s safe, and beware of tap water being used in food and drink prep. Rai says to be careful with ice as it might have been made with tap water and “things like salads and raw vegetables that have been washed in that water”. “Stick to peelable fruit,” Daniel adds. “Bananas, mangoes and the like are perfectly fine to eat. Avoid anything that has already been peeled, chopped and is waiting in handy takeaway sizes for you.” Swimwear and towels “Unpleasant odours and growth of bacteria are some of the risks of poor hygiene when it comes to swimwear and beach towels,” says Daniel. “They trap moisture”, which could leave you vulnerable to “getting infections such as bacterial vaginosis or thrush”. Grant says: “Be mindful that your towel is likely getting dirtier on holiday than it would be at home — especially if you’re taking it to the beach or the pool. You should change or wash your towel at least every other day.” And unless you’ve got a different swimsuit for every day of the holiday, you’ll need to give it a wash. “You’re meant to wash your swimwear after every time you wear it, because you have to treat it like your underwear,” says Rai. Haven’t got access to a washing machine on holiday? Rai says: “Just gently hand wash your swimwear every time you use it with warm soapy water then hang it up to dry.” Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Pretty garden plants you didn’t know you could eat Group B Strep: 8 things every parent should know Princess Diana’s ‘black sheep’ jumper predicted to sell at auction for up to £70,000

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Welcome to Sun Blocked, Refinery29’s global call to action to wake up to the serious dangers of tanning. No lectures or shaming, we promise. Instead, our goal is to arm you with the facts you need to protect your skin to the best of your ability, because there’s no such thing as safe sun.

BENTONVILLE, Ark.--(BUSINESS WIRE)--Jul 26, 2023--

Sandra Bullock’s longterm partner Bryan Randall has died at the age of 57 after a three-year battle with amyotrophic lateral sclerosis (ASL). His family shared a statement confirming that Randall “passed away peacefully” on Saturday (5 August), adding that he “chose early to keep his journey with ALS private and those of us who cared for him did our best to honour his request”. The statement, sent to People magzine, continued: “We are immensely grateful to the tireless doctors who navigated the landscape of this illness with us and to the astounding nurses who became our roommates, often sacrificing their own families to be with ours.” Bullock and Randall first met in 2015 and made their first public appearance together the following year. The model-turned-photographer’s family has asked for donations to be made to the ALS Association and the Massachusetts General Hospital. ALS affects nerve cells in the brain and spinal cord, its name coming from the Greek and referring to a wasting away of the muscles responsible for controlling voluntary movement caused by a lack of nourishment, the fault of a genetic mutation. As the ALS Association explains: “Motor neurons reach from the brain to the spinal cord and from the spinal cord to the muscles throughout the body. The progressive degeneration of the motor neurons in ALS eventually leads to their demise. “When the motor neurons die, the ability of the brain to initiate and control muscle movement is lost. When voluntary muscle action is progressively affected, people may lose the ability to speak, eat, move and breathe. “The motor nerves affected when you have ALS are the motor neurons that provide voluntary movements and muscle control. Examples of voluntary movements are making the effort to reach for a smartphone or step off a curb. These actions are controlled by the muscles in the arms and legs.” Early symptoms of the disease, according to the US National Institute of Neurological Disorders and Strokes (NINDS), include: muscle twitches in the arm, leg, shoulder or tongue; cramps; tight or stiff muscles; muscle weakness; slurred or nasal speech; and difficulty chewing and swallowing. “The first sign of ALS usually appears in the hand or arm and can show as difficulty with simple tasks such as buttoning a shirt, writing, or turning a key in a lock,” the NINDS explains. “In other cases, symptoms initially affect one leg. People experience awkwardness when walking or running, or they may trip or stumble more often.” There is currently no cure for ALS but the US Food and Drug Administration has approved four drugs to treat the condition and ease the discomfort of sufferers: Riluzole, Nuedexta, Radicava and Tiglutik. It was first discovered by French neurologist Jean-Martin Charcot in 1869 and is also commonly known as Lou Gehrig’s disease in memory of the celebrated New York Yankees baseman (1903-41) who also suffered from it. While ALS affects all demographics, it is most common among people aged between 55 and 75 and, according to some studies, disproportionately affects former members of the armed forces, perhaps because of exposure to harmful toxins during their service careers although this has not been definitively substantiated. The ALS Association reports that, in 90 per cent of cases of ALS, there is no family history of the genetic mutation that causes the disease and, in the 5-10 per cent of cases in which there is, only a 50 per cent possibility exists of its being passed on. For more information, please visit the websites of the ALS Association or the National Institute of Neurological Disorders and Strokes. Read More Roberta Flack announces she has ALS and finds it ‘impossible to sing’ NIH to fund unproven ALS drugs under patient-backed law ALS drug wins FDA approval despite questionable data Brain’s appetite control centre different in overweight or obese people – study Areas with lower bird diversity ‘have more mental health hospital admissions’ Greg Rutherford rushed to hospital ‘screaming and clawing at his skin’