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Personal Lines Perspective | January 2022

Life | Steps for Sticking to Your New Year’s Resolutions

Every January presents people with an opportunity to make New Year’s resolutions and better their lives. While these ambitions and commitments are great to attempt, they can be discouraging if you find yourself struggling to maintain a resolution.

To set healthy and positive goals for 2022 and give yourself the best chance to reach them, consider these steps:

  • Be realistic. You may have a lot of different ideas for improving your life, but it’s important to avoid putting too much pressure on yourself by setting goals that may be nearly impossible to achieve. Similarly, avoid having too many aspirations; focus on one or two primary resolutions.
  • Get specific. Be detailed when thinking about your goals. Having ambiguous aspirations might make you unappreciative of small steps and moderate progress. For example, instead of simply planning to exercise more, set a specific goal regarding how many times you want to work out each week.
  • Find a team. One of the best ways to maintain a New Year’s resolution is having a friend, family member or colleague to help keep you accountable. Tell people around you about your resolutions and see if anyone has similar goals.
  • Take small steps. Splitting a resolution into a series of smaller goals can help keep you positive. For example, instead of immediately setting out to lose 25 kilograms in 2022, try to first lose 5 kilograms by the end of March. At that point, reassess and consider your next step.
  • Record your progress. Keep a calendar and track your resolutions. Set regular dates for when you will record your progress, such as every two weeks or at the end of every month.

Home | Enjoy the Fireplace Safely

One of the most comfortable ways to pass the cold and dark nights of winter is by enjoying your home’s fireplace. However, while enjoying the warmth and ambiance of a fire, it’s necessary to ensure the safety of your home and family.

If you plan to use a fireplace this winter, take these precautions:

  • Check the chimney. Smoke and sparks must be able to exit your home safely. Make sure that you have your chimney swept regularly.
  • Use the right fuel. Never use flammable liquids, such as petrol or paraffin, to light your fire. Wood should have a moisture content of 17 per cent or less.
  • Consider surroundings. It’s important to use a proper fireguard to block sparks and hot embers. In addition, avoid hanging clothes or other flammable materials near a fireplace.
  • Extinguish properly. Before going to bed or leaving your home, be certain that any remaining embers are fully contained and guarded.
  • Be prepared. Ensure that you have enough smoke alarms throughout your home and regularly check that they are working correctly.

Motor | Winter Car Safety Essentials

Motorists who are not prepared for winter can experience severe financial and health-related consequences. If you are going to have to use a car during cold or inclement weather conditions, make sure that you have the following available to you:

  • Ice scraper—It’s quite common for a car’s windscreen and windows to freeze over. Not being able to properly de-ice your car will not only make driving extremely dangerous, but it may also result in you getting three points on your licence and a £100 fine.
  • Shovel—It’s not always enough to have a shovel at home to initially dig out your car before a trip. Your car may get buried in deep snow while you are away or you could even become stuck on smaller, untreated roads.
  • Proper clothing—In the event that your vehicle breaks down or you get stuck, it’s important to be dressed for the conditions. Don’t rely on your vehicle’s heating system to keep you from developing frostbite or hypothermia. It’s also a good idea to have a high-visibility jacket or waistcoat to ensure that motorists can see you if you are forced to leave your vehicle.
  • Torch—Due to how short the days are during winter, it’s more likely that you may have to deal with dark conditions. If you break down on the side of the road, it’s essential to have a source of light as you attempt to find help or make repairs. Make sure to have spare batteries available as well.
  • Mobile phone power—In addition to ensuring that your mobile phone is fully charged before you start your trip, it’s also a good idea to have an additional power pack or a charger compatible with your vehicle.
  • Road atlas—In the event that your mobile phone loses power or you cannot get a good signal, it’s imperative that you have another means of staying on your route.

Jump-start cables—If your car’s battery dies, you may need to be able to get it moving again yourself. Having your own set of jump-start cables or jump leads available at all times will make it easier to get help from a fellow motorist

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