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The Crowd2Fund IFISA Allows Families To Diversfy Their Investment Strategy In A Post Brexit Environment.

The UK’s decision to vote for Brexit on 23 June was unexpected. In the interim, the pound has fallen to a thirty-year low, the UK has been downgraded by two different credit ratings agencies, and the FTSE 250 has suffered. It is unclear what the repercussions are and whether they will be long or term. 

This uncertainty calls for a new investment strategy. In order to counter any bumps and unexpected turns the markets take families are encouraged to diversify their investments in order to have a balanced portfolio to counter any potential risks.

The current economic outlook makes it look likely that interest rates will be slashed even lower than the historic 0.5% rate, which they have been set at since 2009. In order to beat inflation, approximately 3%, families will need to take their cash out of banks, and many high savings bank accounts, in order for their assets to not deteriorate in value.

Additionally, the cost of living is increasing as are many essentials for families such as school fees. The Good Schools Guide recently revealed that it now costs £16,500 a year to send a child to a private school in London. This is an increase of more than 20% over the last five years, and easily outstrips inflation and the minimal growth of the average salaries.

One effective way to counter against this perfect storm is through the implementation of the Government’s new innovative finance ISA, or IFISA. Introduced in April of this year, it differs to the standard ISA product as it allows savers to invest money on P2P platforms which are then lent out to third party businesses.  

In simple terms, this allows investors to lend money to credit worthy businesses seeking debt funds. Crowd2Fund, one of only a handful of IFISA products on the market allows savers to enjoy gross returns of up to around 8%. Within Crowd2Fund’s IFISA investors are able to invest in a number of growing and exciting British businesses, with the addition of enjoying tax free returns.

In order to diversify, and spread the chance of risk, families are encouraged to invest in a number of different sectors. Current opportunities on the platform include Genpower, an award winning distributor of power equipment, and Genie9, an innovative provider of cloud data storage backup services.

Crowd2Fund also have an ios and Android app, which means you can even review opportunities and invest on your phone whilst you are on the school run.

As well as utilising the current year’s ISA allowance, currently £15,240, investors are able to move historic holdings in third party providers into Crowd2Fund’s IFISA. This is a very easy process, and families would be wise to do this if funds are held in cash ISA’s due to low returns which they currently offer.

When doing this it is important that you do not fall foul of losing your tax wrapper. For simple instructions how to do this securely read the instructions on Crowd2Fund’s website.

Taking action now will help counter against future uncertainty and risk from Brexit, and will help you prepare and safeguard for your family’s future.

* Written by Crowd2Fund *

My Three Sweet Babies

Although Freddie is 5 weeks old now I am still trying to get used to certain things on being a Mum of 3. I still find myself saying 'my girls' instead of 'my children' as I'm not just a mum to my girls anymore, I'm a mum to my little boy too. The past 5 weeks has been amazing but it hasn't been easy. I recently wrote a post on how I feel and if I am honest I am hoping these next couple of weeks go pretty quickly so we can get back into routine but I do plan to make some more memories with the girls before they start school.

"Why Do You Cry Everyday Mam?"

"Why do you cry everyday Mam?"

Are the words of my four year old daughter.

Words no child should ask a parent. 

But in reality sometimes you just can't hide those tears even if you try. Sometimes it can just become too much and it's fine to just let it all out and cry. But when you have your child in front of you, cuddling you and wiping your tears away it kind of makes it harder to stop because by then you are feeling that guilt, you don't feel strong and you feel like a cr*p Mum because you're supposed to be strong in front of your children, you're not supposed to cry.

But sometimes, you just can't stop the tears.

The times you are just so scared of leaving the house because you feel like you will be judged by everyone who passes you. When you hear people talking or looking at you, you instantly think they are talking about you in a negative kind of way. Your mind goes mad with all kinds of confusing thoughts about wondering what they are saying but they're not even saying anything about you. 

The times you feel scared to leave the house to take the kids for a walk or even to the hairdressers. Pulling off getting your own hair done and even the girls hair done for so many months because you're just too nervous to go there. Scared for no reason at all. But when you finally booked, your stomach is full of nerves, you want to throw up but you manage to get there and you feel like you've achieved something. That feeling is good.

The times when the kids have a bad day doesn't help your bad day. You end up shouting, screaming and just breaking down. You end up letting them do what they want because you just don't have that energy, you feel like a failure of a parent and you just feel useless. 

When you feel like you have to please everyone and it just gets a little too much to handle but you have to put that brave face on. You know, that smile or that laugh but inside you feel like you're breaking. The time you arrive home you just sit down and let it all out, again.

Anything can set you off. Someone telling you that you've done something wrong, even if it's the smallest thing can make you feel worthless. It can make you feel like you always do things wrong and nothing is ever good enough.

You look in the mirror and all thoughts come to your head. You then end up hating looking at yourself in the mirror, you hate your appearance and you want to change but you just don't have that strength or energy. 

That feeling of not being good enough for your children or anyone else will bring you down. 

You can't handle big groups of people. Loud noises such as a group of people talking can be a little too much at times. So you just blank everyone out and find yourself in the world of your own by staring blankly until someone asks you if you're ok. 

Are you okay

Are sometimes the words you need to hear.

You want someone to ask you how you feel. 

You try your damn hardest to be the best parent to your children. Although you feel like you're failing, hearing those three special words, "I Love You" from your own children makes all the pain worth it and you know one day, you'll be just fine because at the end of the day in your children's eyes, you are a super human! 

But for now, letting all those tears out in the bathroom or when you fall asleep at night is the best way to cope. 

This is me. 

#ParentOn Baby Milestone Cards By Tommee Tippee / Giveaway

Parenting can be pretty challenging at times and comes with its highs and lows such as capturing that first step, hearing their first giggle and the lows {which can sometimes be hilarious!} by an exploding nappy, you know that one that goes right up their back? or even those bad temper tantrums they have in the middle of the shop. But, we wouldn't change them for the world.

Just Another Linky 20/08

Happy Saturday! Hope you've all had a wonderful week. The linky wasn't busy last week but thank you so much to all who linked up. I am really hoping this linky picks up in the next few weeks so we can all have a big range of blogs to read again like a few months ago. I plan to give it a good few weeks again to try our best to pick it up and get it popular again.

I've had quite a busy week work wise and I am glad I have come back on the blog wagon again. I'm still trying to find the time to do it but I've also started comping. I find that it's something to do when Freddie is feeding. I look forward to read all your posts this week. 

As always: This linky is for all bloggers. Link up any kind of posts but remember don't link and jump! Be sure to read the guidelines below before linking.

*  G U I D E L I N E S *

- When you link up be sure you are linking up a blog post only

- If you are taking part, make sure you comment on the post before you AND two other posts
- When commenting be sure to leave #justanotherlinky at the end of your comment
- Feel free to leave a badge or link at the end of your post, but I would appreciate it somewhere on your blog {eg. on a linky page, side banner etc}
- ANY kind of post can be linked up
- ANY kind of blogger can link up and join in
- There is no theme to this linky
- Please do not link up any giveaways, UNLESS it is a part of a detailed post

When you comment on other posts remember to add #justanotherlinky at the end! 

- Please do not link up more than two posts

- Linky is now open from Saturday until Monday 11.55pm. 

* S O C I A L  M E D I A *


- Feel free to tweet your post to me @lifeasmumblog and @mylifeasamummyx and use the #justanotherlinky hashtage, we shall re-tweet you
- If we are not following you, please leave a comment on this page and let us know Or tweet us!
- If you would like to be reminded on the morning of when the linky is open, do let us know

We do have a Facebook page. Which you can find here. It would be great if you could all join, pretty please! It's basically a support page and a page you can share you posts. I will do a weekly thread too. More details to come on the page. 

Other new things to come to this linky is: Post with most comments, Blogger who's commented the most and my favourite post. 

This is new to #justanotherlinky and I thought it was a good idea to add it to the linky so people don't link drop and run. Last week's linky wasn't busy at all but I was still happy with the people who did comment on other posts {this does not include the host posts!}. Sadly, there was 1 post which had no comments and only from Laura and myself. So please remember that the linky is open until Monday and there will be new posts since you linked up. So please come back and share the love!

Each week we will let you all know who our top 3 commenters were. From last week our top commenters were:

Our top commenter was the lovely Jenny from Midwife and Life

Our second top commenter was the lovely Lisa from The Working Mummy

Lastly, our third top commenter was Toni from Gym Bunny Mummy

Thank you so much to you 3 and everyone else who commented!

The more you comment the higher chance you have to be in the top 3!

Laura and I loved reading your posts from last week. Each week we will both choose our favourite post of the week and share it on the following week's linky.

My favourite post of the week was Nige's post Children: OMG! The Cost! talking about how expensive kids really are as they grow older.

Laura's favourite post of the week was the same as me!

Now all there is to do is, link up :) Enjoy!