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When it comes to creating a better financial future, we know it’s important to have an emergency fund which is easily accessible (see “Building an Emergency Fund”). For this reason, people will often save money in a bank account which ensures your money doesn’t decrease in value and you can usually access it if you need it. However, with interest rates being low it does mean that there is a risk your money doesn’t grow quickly enough in a bank account to keep pace with the increased cost of living.

Life is a journey full of ups and downs, and having an optimistic attitude can help us face the most difficult and demanding moments. This is because being optimistic has a direct effect on our physical and mental well-being, as well as on our quality of life.

The expression of to regard a glass as either half full or half empty can be decisive when facing and overcoming the challenges of daily life. The good news is that we can learn to see the glass as half full; that is, to view things hopefully or positively, whatever the situation may be.

Fish is one of the healthiest foods and can’t be missing from a balanced diet. The nutritional benefits of fish are unique: it is rich in vitamins D and B2, calcium, phosphorus, zinc, iron, magnesium, and potassium. But the star nutrient of fish are omega-3 fatty acids, since they protect heart health. In addition, fish keep your bones healthy, activates the immune system, prevents inflammation, and helps control cholesterol levels. That’s why specialists recommend eating fish at least twice a week.

For many people, their appreciation (or perhaps that should be grudging understanding?) of tax is often limited to how much tax is deducted from their hard-earned wages when they get paid. They consider tax to be complicated and dull and taking an interest in tax can be seen as something only high earners, the wealthy or the self-employed really need to concern themselves with.

But the reality is that understanding tax is important as it affects us all, regardless of how much we earn or how much money we have.

Why is it that some people find money easy to deal with, regardless of how much they have, whereas for others it is a cause of stress and anxiety? Your relationship with money will be determined by the feelings and thoughts you have from your life experiences. It’s not simply about whether there was enough money in your household as you grew up though. If that were the case, people from poor backgrounds would always be bad with money, and the wealthy would always be good, which simply isn’t true.

How many times have you said 'yes' to someone when you wanted to say 'no'?  Do you always try to please others?  Why do you let your friends make mean comments to you?  Do you find it difficult to tell others what bothers you?

If you answered 'yes' to any of these questions, some of your relationships may be frustrating or disappointing. Setting healthy boundaries can help us avoid some of these abusive situations, misunderstandings, emotional blackmail, or even psychological manipulation.

From the early stages of life, music helps us communicate, express feelings and emotions; but also, it helps us to relax and feel good, even in the womb.

This is because the rhythm and tonality of music influence the limbic areas of the brain connected to emotions. In addition, music reduces the cortisol that the body produces to maintain alertness in situations of stress or anxiety. That's why music helps us to relax when we're stressed.

The healing power of music is such that more and more health professionals are including music therapy among their services.

At the beginning of the year many people take the opportunity to make changes. Some decide to adopt a healthier lifestyle; losing weight, stopping smoking, or reducing the amount of meat they eat. Others see the start of a new year as the motivation they need to look for a new job, start a new hobby or even move house.