Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk

5 Tips to Help Mentally Prepare for Winter

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Many customers will be faced with income interruptions as a result of this crisis and so therefore we are recommending that you refer here for useful advice: https://www.moneyadviceservice.org.uk/en/articles/coronavirus-what-it-means-for-you

Preparing for winter

Winter is coming. Are you prepared? Read Ferratum's top 5 winter tips for beating the winter blues...

While winter certainly has its charms; Christmas, snow, home baking and mulled wine, for many, the winter months can be psychologically tough. 

We wake up in darkness, go to work in darkness and come home in darkness. During the winter, it's common for us to do less, see less of our friends and find our energy depleted. 

However, winter doesn't need to be a slog. 

Below, we offer five helpful tips which can not only help prepare for winter but combat the winter blues:

1.      Step Outside

No matter how busy you are at work, no matter how cold it is outside, with the reduced daylight hours, it's more important than ever to take a lunch break and step outside. 

Daylight is important for our biological clocks to function properly - it tells us when to sleep, and when to eat. Additionally, between the artificial light in our workplaces and the artificial light at home, without natural daylight, we lose our natural rhythm. 

Just walking outside for thirty minutes can do wonders for us mentally. 

2.     This Too Shall Pass

Winter is what is it, and if you can surrender to this fact, it can be enormously helpful in relieving the pressure and frustration of the cold and dark. 

Accepting the fact you may not be feeling as energetic is better than pretending or expecting that somehow you should feel better or denying the fact you feel blue. 

Accept that this too shall pass. 

3.     Keep Your Healthy Habits

More than any other time of year, it's crucial that we continue our positive routines and remember the sources that energise us. 

Fighting lethargy means keeping the same sleeping and waking hours and continuing with our positive morning and evening rituals. These rituals could be meditating, working on a book you're writing, doing yoga, or learning a new skill like Photoshop, or even a new language. 

Sitting in front of the TV night after night isn't going to motivate or inspire you. Instead, keep up your healthy habits that you developed in the summer. 

Common colds abound during winter, so make sure you eat well. Eating well will build a strong immune system, which will then reduce your chance of catching a cold or flu. Yes, it's tempting to order takeout every night but you'll feel a lot better and more energised eating warm, fresh and nutritious meals than greasy takeaway food. 

In most major cities you can now find companies offering organic food deliveries. Through a subscription-based service, customers receive a box of fresh, seasonal produce and all the ingredients they need to prepare nutritious meals. Consider taking out a weekly or monthly subscription with one of these services. 

4.      Keep Active

Continuing on from the previous tip, an important part of keeping healthy is keeping active. 

Whether it's joining an indoor football team, playing tennis in the evenings, doing yoga classes, or taking out a traditional gym membership, physical activity has scientifically proven mental and physical benefits. 

As the saying goes, "You will never regret a workout but will always regret the workout you skipped".

4.      Let's Be Social

Last but not least, it's very important to be social. Yes, it's tempting to leave work and race home to keep warm and sit in front of the TV. But continuing your social engagements has many health benefits. 

Whether it's going to a movie with friends or doing after work drinks with colleagues, being social is a powerful aid in fighting the winter blues and combatting the feeling of isolation which is synonymous with winter. 

A Helping Hand

If you find it's your finances getting you down this winter, Ferratum can help. Whatever your immediate short-term needs are this winter, our same day loans are the quickest and most accessible way to secure funds. 

Complete an application online for one of our online loans through our easy-to-use mobile app or website. No paperwork required. Applications are completely free and non-binding. Receive a decision in minutes. When approved, you then get the money usually within 2 hours, 7 days a week. 

"Winter is the time for comfort, for good food and warmth, for the touch of a friendly hand and a talk beside the fire."

- Edith Sitwell

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk. Representative example: APR 1270% if borrowing £400 for 4 months. Interest rate: 292% p.a. (fixed). Total amount repayable: £665.48 by four instalments of £166.37. Maximum representative APR: 1604% if full loan repaid after 7 days.