MortgageDrive - YouDrive Thinks...

Switching mortgage provider when my current deal ends can save me money. Who should do it?

Whether choosing an interest only, repayment or offset mortgage or renting, I'll seek professional advice I'll make the decision myself to get the right answer

I’ll sort it myself

Doing it yourself Is a good thing if you feel you are well informed enough and up to date with all the latest offers.

You won’t see all of the mortgages on the market and will need to carefully read the fine print for clauses and penalties etc.

Gathering all the information and being an educated buyer is a good thing but it’s always advisable to get someone to check your thinking and give contracts a second glance.

You could go to the bank or building society but they don’t always have access to the whole of market and you could lose out.

The Guardian have a video which has Rupert Jones explaining the different types of mortgage and cutting through the jargon involved – to see this click the link here.

I’ll seek professional help

It does not really matter what mortgage you’re going for. Every one is different and will can be tailored to meet your needs. The type of mortgage you take now might not be suitable in 5 years time.

It’s a big commitment and often can lock you in for a long time. Many lenders have hidden charges that are not always easy to spot, which an advisor will know.

Using a professional advisor can save you money in the long run and give you peace of mind that you have taken professional help. They have access to the whole of the market whereas a comparison site may not show all mortgage offers.

Mortgage advisors also know which mortgage suits your particular need
If you’re buying to let and need a buy to let mortgage most advisors have access to that specific market and will recommend the best deals.

YouDrive Thinks…

We advise everyone to read up and gather facts and understand terminology and get professional advice. Even if you finally make your own decision a second opinion from a professional is wise.

We would say never take a mortgage advisor’s total word for it. If there is something you don’t understand or something was said your not clear about don’t stay quiet and think well they know – they are the professionals. Also ask for clarification if there’s anything at all you’re not sure about. See the video by the Mortgage Advice Bureau.

You’ve seen more detail on the different points of view, and also what YouDrive’s view is. You can go back to MortgageDrive by clicking the button here.

More information

How to Buy Your First Home

(And How to Sell it Too)

Phil Spencer, property expert and co-presenter of hit series Location, Location, Location, provides everything you need to know to help you buy (and sell) your first home

Go to Amazon

The Complete Guide to Property Investment

How to survive & thrive in the new world of buy-to-let

Over the last 20 years, more than a million Brits have made life-changing profits from buy-to-let. But as prices keep rising and the tax landscape changes, investors need to get smarter in order to succeed.

Go to Amazon

Help me, I’m buying a house

A practical guide for buying your own home in England and Wales. From First Time Buyers, for First Time Buyers and those who don’t know what they are doing.

Almost 300 pages of hands-on guidance. An essential and fun read about buying your own home – from First Time Buyers, for First Time Buyers. Illustrated by Ben Jones to make you smile.

Go to Amazon

45 Ways to Buy Property

Strategies and tactics to build your property portfolio

Property provides a rare opportunity to create wealth and replace your income, do you want to replace your income in 2022?
But, it’s an area shrouded in mystery. How do people grow a portfolio of 20, 30 or 40 properties?

Go to Amazon

Citizens Advice have information on managing your mortgage

MoneyHelper give some guidance on mortgages

The Financial Conduct Authority have some tips and advice on finding an adviser

Scope provide advice for disabled people on getting a mortgage

MoneySupermarket have a mortgage calculator

YouDriveHealth

At YouDriveHealth we can provide you with information, tools, calculators and also support for may aspects of health – physical, financial and mental. If you register by entering your email address then when you sign in you can comment and contribute.

See Terms of Service

See Privacy Policy and Cookies

See Comment Moderation policy

Website : YouDriveHealth Limited

Stuff you might want regarding smoking

Now you’ve read about smoking you might want to make a bit of a statement. Have a look at some stuff below we think has some humour value! We may make pennies on commission, but that’s not the point really. Click on the image to see more details.

Quit Smoking Gift Stop Smoke Free T-Shirt

In many colours and sizes

Go to Amazon

Proud Quitter – Quit Smoking T-Shirt

In many colours and sizes

This graphic is the perfect for someone who recently quit smoking cigarettes.
Lightweight, Classic fit, Double-needle sleeve and bottom hem

Go to Amazon

I Quit Smoking Wow What Funny Novelty 11oz Mug

11oz Mug
Hand Printed in the UK
Highest Quality in the Market
Microwave & dishwasher safe

Go to Amazon

Dorothy Spring Never Quit You Can Do It Inspirational Quote Plaque Metal Sign Perfect Gift Size 15x20cm

Length: 20cm / 7.9inch | Width: 15cm / 5.9 inch
Metal Wire Included / Easy Hanging
Perfect gift
High Quality Beautiful Gloss Finish Print

Go to Amazon

All areas of health are interlinked

Find your initial focus

You might think that physical, financial and mental health are quite separate, and for some people they are. However, often a problem in one area has a knock-on effect on others. Losing your job can lead to anxiety and depression, which can turn you to drink and impact your health.

You might have a severe issue in one area but that can lead to problems in other areas, and the people treating you for the first problem won’t be equipped to deal with these linked issues.

For example, doctors and nurses can treat you for a physical problem but can’t advise you about your job or finances. Nor for the anxiety that comes with it, apart from prescribing some drugs, which might or might not be the best solution.

We encourage you to take a holistic view – we look at all areas and offer support across the whole spectrum.

Even this view of health is simplistic, as you’ll discover later if you go down that route. You might want to consider overall health, or wellness or wellbeing, which include additional types of health, such as occupational health (how you are in your job). Then there’s happiness and quality of life – how do these fit?

If you’re interested in that, click the link here to see more information.

Health Areas in Domains

Domains

We break down the overall concept of health or wellness into ‘bite-sized chunks’ that we can actually do something about. The first level we call health domains.

We like the Life of Wellness site and we have chosen the following domains.

1. Emotional Wellness: Awareness and acceptance of feelings
2. Spiritual Wellness: A search for meaning and purpose
3. Intellectual Wellness: Recognition of your creativity, knowledge and skills
4. Physical Wellness: Need for physical activity and balanced nutrition
5. Environmental Wellness: Positive awareness and impact on your environment
6. Financial Wellness: Debt reduction, cash flow balance or financial future planning
7. Occupational Wellness: Personal achievement and enrichment from your career
8. Social Wellness: Contribution to your community

Health Areas

Within each domain, we have included a number of health areas. These are specific issues that you can tackle. Within each health area, e.g. Depression, we have built additional information and exercises which you can do to help in the area. You can create your own Action Plan to address this area, and see

Emotional: Anxiety, Compassion Fatigue, Depression, Gambling, Laughter, Narcissistic, Personality Disorder, Sleep, Stress

Environmental: Environmental Issues, Greenness

Financial: Debt, Family Finance, Financial Planning, Financial Wellness

Intellectual: IQ, Personality, Procrastination

Occupational: Jobs for Different Personality Types, Retirement Income, Work Life Balance

Physical: Alcohol, Disabilities, Dizziness, Drugs, Fitness, Food Preferences, General Health, Healthy Ageing, Illness, Nutrition, Sleep Apnea, Smoking

Social: Communication Skills, Communication Styles, Domestic Abuse, Emotional Abuse, Love Partnerships, Mental Abuse, Parenting Styles, Sexual Addiction

Spiritual: Are You Sensitive, Mystical Guidance, Spirituality

Each health area has supporting information and its own questionnaire.

Physical, financial and mental health

One definition of health is:

Health is a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity.

The NHS define health as: ‘We use a broad definition of health that encompasses both physical and mental health, as well as wellbeing. This means we are not only interested in whether or not people are ill or have a health condition, but also in how healthy and well they are.’

We believe we also have to consider financial health, as this can easily impact physical and mental health. Click the button to see an example of how these are connected.

It gets more complicated…

What is Health? How about Wellness, Wellbeing or Happiness?

The Active Wellbeing Society (TAWS) define Health as a state of the overall mental and physical state of a person; the absence of disease. They define Wellbeing or wellness as a way of life that aims to enhance well-being and refers to a more holistic whole-of-life experience which also includes emotional and spiritual aspects of life. We expand on this definition of health to include financial health and mental health, to make it synonymous with wellbeing or wellness.

Health domains

We break down the overall concept of health or wellness into ‘bite-sized chunks’ that we can actually do something about. The first level we call health domains.

We like the Life of Wellness site and we have chosen the following domains.

Health Areas

Within each domain, we have included a number of health areas. These are specific issues that you can tackle. Within each health area, e.g. Depression, once you have subscribed we have built additional information and exercises which you can do to help in the area.

See which domains you should address

Having established that we use 8 domains, you need to understand which you should concentrate on.

The 8 are:

Emotional
Environmental
Financial
Intellectual
Occupational
Physical
Social
Spiritual

You can take a questionnaire, which scores you in each domain. You can decide which domains you are strong in, and which you need to improve.

Another analysis shows which domains you should look at, but also which domains you want to look at.

Locus of Control

We want to help people in all aspects of their health – physical, financial and mental. We also provide detailed explanations of how overall health (or well-being) is measured.
We believe these things are often linked, so we try and address health holistically. We are building templates, questionnaires and exercises to help you identify what’s important to you.
We think people should try and take responsibility for of their own health as much as they can. See below for what that means.

People look at things differently. Some people believe things happen to them, while others believe they can influence what happens to them. Technically this is called the ‘locus of control’. People can have an Internal or external Locus of Control

So how do you see things?

Psychology Today have a 15 minute test which gives you a summary of your position you can buy the detailed results if you want to.

My Personality Test have a 10 minute test which gives you a summary.

People tend to take more responsibility (locus gets more internal) as they get older. However, external isn’t always bad – for example if you are physically unable to do some things you can accept it and focus on the things you can do. This American video explains the concept and gives examples of how this can affect relationships.

Internal

More likely to take responsibility for actions
Tend to be less influenced by others

External

Blame outside forces for what happens
Don’t believe they can change their situation themselves

Add your attitude to change - see how you view changes in your life

Do you need to change?

No matter how healthy you are at the moment, the chances are that there are some areas you could improve. It may be that you have a real problem in one or more areas, and you would like to make some improvements.

At YouDrive we accept that there are many different degrees of ‘not wellness’ in a large number of different health areas, ranging from physical illness such as covid-19 through mental illness such as anxiety through to financial problems like debt. We try and help where the problem ranges from ‘slight’ to quite bad’ – after this expert help and intervention may be needed.

However, especially in these times, we have to try and make these changes ourselves, possibly with some help from others, whether remotely or face to face.

The thing is, to make an improvement we have to change some things.

This involves changing our behaviour in some respects, and that’s not always easy.

Henry Ford, the creator of the assembly line, is quoted as saying “if you always do what you’ve always done, you’ll always get what you’ve always got”.

Another way of looking at this: “The definition of insanity is doing the same thing over and over again and expecting a different result.” – attributed to Albert Einstein.

Consequently we need to make some changes. The problem is that we have already developed a lot of habits, some of which we need to break and replace by better ones. Some of our bad habits have become entrenched, and the bad results they create in turn engender further bad habits to develop – in effect the bad habits can feed on themselves.

We need to understand how we can make changes and stick to them, and that’s what this part of your health profile is about.

It will involve some learning, through reading, some videos and some additional information and also seeing how you react to change currently.

It will also ask you to consider whether you feel you are in charge of your future, or whether you feel it’s all fate.

Assess your overall health using a health questionnaire

At YouDrive we try and help people improve their health. We use ‘health’ but we understand there are other terms such as wellbeing or even happiness that reflect how we are doing in our lives – if you’re interested in the different definitions and ideas see our page on the subject.

We want to help whether you have a particular problem – physical, financial or mental – or if you just want to improve some specific part of your life or just make some improvements overall.

You’d be surprised, but there has been a serious amount of scientific work done in this area over the last twenty years.

So first we allow you to assess your current health (or wellbeing, or happiness). We do this by questionnaire. Which one is determined by the type of person you are:

You understand yourself well and want a quick overview of your health and wellness, and will drill down in any areas needing work
You want to do a more detailed assessment and then focus on areas you’re already aware of
You want to look at the whole situation in more detail across all the health domains.

By the way, we take your privacy seriously – we collect information that you choose to provide but we de-identify it as much as possible and will never share it with anyone without your explicit consent.

You can then drill down into some specific areas and there are more questionnaires to see your situation in these particular areas. We provide you with specific information and refer you to other potential aspects of help. Our next step is to build a personalised action plan – for now we will make a suggestion for you to develop your own plan and then after a time you can see whether this has had a positive impact by retaking the test.

In future we will be engaging with medical and behavioural specialists to devise action plans for individual people with specific situations.

We have an overall questionnaire which you can complete which will assess your current state.

Values, Attitudes and Beliefs

We all have our beliefs, attitudes and values – these have developed throughout our life based on who we are and what we have done. Let’s look at what these are.

The University of Reading explain: “People’s values, beliefs and attitudes are formed and bonded over time through the influences of family, friends, society and life experiences. So, by the time you’re an adult, you can hold very definite views on just about everything with a sense of “no one is going to change my mind”.

The combination of your personal values, beliefs and attitudes are your moral principles that guide you in life and affect your behaviour. However, your views can wildly differ to others and in an institution such as a school, these beliefs may be counter to the values of the school, child development or indeed the law.”

Let’s look more closely at the differences between beliefs, attitudes and values.

Beliefs

These come from real experiences – we think our beliefs are based on reality, but in fact our beliefs colour our experiences; also, an original experience e.g. when we were a child is not the same as what’s happening now. Beliefs can be moral, religious or cultural and reflect who we are. They can be rational (‘it gets colder in winter’) or irrational (‘I am never going to make something of myself’).

Attitudes

This is an immediate belief or disposition about something specific. It is a recurring group of beliefs and behaviours aimed at specific groups, people, ideas or objects. They will normally be positive or negative and we will always behave that way to the target group. Examples of attitudes include confidence (I can or can’t do something), grateful (I an entitled to / grateful for XXX) and cheerful (I am generally happy / miserable).

Values

These are things (principles or qualities) that we hold in high regard or consider to be worthwhile or right / wrong. They are formed by a belief related to the worth of something – an idea or behaviour. Some values are common (e.g. family comes first, the value of friendship) or cultural (which the whole community have – see video at Study.com here)

The theory

Links to Wikipedia

Expectancy Value Theory suggests you balance your beliefs about something with the value you attach to it. The Theory of Reasoned Action suggests that beliefs and evaluation about behavioural outcomes determine attitudes, and intentions lead directly to behaviour.

Beliefs

Expressions of confidence – can change over time

Attitudes

Learned predispositions to something – are subject to change

Values

Ideals that guide our behaviour – Generally long lasting and often need life changing experience to change

Iceberg demonstrating implicit and explicit bias – from Owlcation

A Butterfly Life: 4 Keys to More Happiness, Better Health and Letting Your True Self Shine

Times of change can be a challenge, no doubt! Whether it’s a relationship breakup, job loss, or being diagnosed with a serious health issue. Or you may WANT things to be different, but it feels a little scary or overwhelming. The butterfly reminds us change can be beautiful, even necessary, in order to realize our full potential and live our best life.

MortgageDrive - YouDrive Thinks...

Whether choosing an interest only, repayment or offset mortgage or renting, I'll seek professional advice I'll make the decision myself to get the right answer

I’ll sort it myself

I’ll seek professional help

YouDrive Thinks…

More information

How to Buy Your First Home

The Complete Guide to Property Investment

Help me, I’m buying a house

45 Ways to Buy Property

YouDriveHealth

Stuff you might want regarding smoking

Quit Smoking Gift Stop Smoke Free T-Shirt

Proud Quitter – Quit Smoking T-Shirt

I Quit Smoking Wow What Funny Novelty 11oz Mug

Dorothy Spring Never Quit You Can Do It Inspirational Quote Plaque Metal Sign Perfect Gift Size 15x20cm

All areas of health are interlinked

Find your initial focus

To close this box and go back click the X at the top or just click outside the box

Health Areas in Domains

Domains

Health Areas

To close this box and go back click the X at the top or just click outside the box

Understand Health

Physical, financial and mental health

What is Health? How about Wellness, Wellbeing or Happiness?

To close this box and go back click the X at the top or just click outside the box

Health domains

Health Areas

To close this box and go back click the X at the top or just click outside the box

See which domains you should address

To close this box and go back click the X at the top or just click outside the box

Locus of Control

So how do you see things?

Internal

External

To close this box and go back click the X at the top or just click outside the box

Add your attitude to change - see how you view changes in your life

Do you need to change?

To close this box and go back click the X at the top or just click outside the box

Assess your overall health using a health questionnaire

To close this box and go back click the X at the top or just click outside the box

Values, Attitudes and Beliefs

Beliefs

Attitudes

Values

The theory

Beliefs

Attitudes

Values

To close this box and go back click the X at the top or just click outside the box

A Butterfly Life: 4 Keys to More Happiness, Better Health and Letting Your True Self Shine