Big Voice Gosport August 2015 by Big Voice Directories

August 2015 | Issue 8 | ÂŁ1.50 where bought

Auto BIOGRAPHIES All new Mitsubishi Shogun

Relationships and Money Oil and water?

By Nig el M ais ey

GIG GUIDE All gigs should start at 9pm unless stated

July July Friday 24th

Saturday 25th Sunday 26th Friday 31st

Augu August st Saturday 1st Sunday 2nd Friday 7th Saturday 8th Sunday 9th Friday 14th Saturday 15th Sunday 16th Friday 21st

Saturday 22nd Sunday 23rd Friday 28th

Saturday 29th

Bone Idle Small Town Rock of the Pops Northern Soul Hazzard County D’ska Assasins Groove Monster

The Bird Red Lion The Hoeford Stubbington Snooker Club The Bird The Bird Red Lion

Fareham Stubbington Fareham Stubbington Fareham 6pm Fareham Stubbington

Monster Asylum Seekers Road House Glitter Buzz Barbwire Bob Italian Job Louise (Blondie Tribute) Zoe Moxie Soulpatch Davy Jones Locker Fat Kat Booze Brothers Mafia Hazard County Pond Life Miz Kelly’s Tattoo Rock of the Pops Bone Idol Roy Peplow Splinter The Business Mighty Fly LST Music Robbie Williams Tribute Legend Go Mad

The Hoeford The Carisbrooke The Bird The Bird The Carisbrooke The Carisbrooke The Hoeford Pier St Café The Bird The Bird Pier St Café The Carisbrooke The Carisbrooke The Bird The Bird Pier St Café The Carisbrooke Red Lion The Carisbrooke The Hoeford The Bird The Bird Red Lion Pier St Café The Carisbrooke The Carisbrooke The Hoeford

Fareham Gosport Fareham 6pm Fareham Gosport Gosport Fareham Lee on Solent Fareham 6pm Fareham Lee on Solent Gosport Gosport Fareham 6pm Fareham Lee on Solent Gosport Stubbington Gosport Fareham Fareham Fareham Stubbington Lee on Solent Gosport Gosport Fareham

THIS MONTH..

23 18 28

28 10

Recipe s, com proper munity, healt h ties an d more ,

HOUSE AND GARDENS

HEALTH, BEAUTY & LIFESTYLE

Dahlia

Absolute Running

Planning Matters

Relationships and money

This plant of the month breathes life and colour into many gardens.

Check out this months round up of planning applications in and around Gosport.

MOTORING 8

Mitsubishi Shogun

Tim Barnes Clay takes a look at the new Mitsubishi Shogun. Is it still a living legend? Read on…

Follow the shoe with the boys at Absolute.

Is it just like mixing oil and water? Read on to see what Jessica McGregor Johnson thinks.

BUSINESS AND PROFESSIONAL 14

Haggling

Martin Lewis guides us through the mystical art of haggling.

CHILDREN, PETS & EDUCATION 11

Kids Page

It’s time for swimming lessons with this months kids page.

It’s all child’s play

Slow down, walk, breathe and enjoy nature with this months article from Sue Gascoyne.

Email in pictures of your garden if you’d like to be considered for the Over the Hedge feature - we’re not always looking for Italian Manicured Perfection so get those cameras snapping!

august issue 2015

“M Pearl Publications 01329 630630

Joint Editors Coralie Todd & Sean Middleton editor@bigvoicedirectories.co.uk

Advertising Sales sales@bigvoicedirectories.co.uk

Distribution This Big Voice Bigazine is delivered to residents and businesses in Gosport, Elson and surrounding areas. For distribution enquiries please give us a call and speak to Sean. Six other editions are also published in Alverstoke, Stubbington & Hill Head, Lee on Solent , Locks Heath, Warsash & Sarisbury Green, Whiteley, Titchfield Park and Burridge. Whilst Big Voice Directories aim to provide a quality publication for local reference, it cannot be held responsible for the services, reputation or cost of any of the advertisers, and content of adverts or editorial herein. Readers must make their own enquiries to establish the credentials of each entry. Reproduction in whole or in part is strictly prohibited without prior written permission from the Publishers. The magazines are produced on paper sourced from FSC approved paper mills and printed using vegetable based inks. They love being recycled but please pass to a friend first! Magazine, adverts, design, layout and content © Copyright Pearl Publications Ltd

Smalalltalk Sm ltalk

otivation is what gets you started… Habit is what keeps you going” said Jim Ryun, an American Athlete.

It got me thinking that many of us who have set our goals and wishes at the beginning of the year may be finding that now the summer is upon us, and willpower is lowering as we think of slipping into Autumn, that those things we fervently set out to achieve in January may be sliding from our grasp. And perhaps the reason is that we either weren’t committed to doing what we decided all those months ago, or we didn’t get into the HABIT of making that thing happen. Indeed a decision we made last year as a couple was to incorporate a fresh juice into our diet, at least once daily. We enjoyed blending fresh kale from the garden, including thick broccoli stems which would ordinarily end up on the compost, various fruit and other vegetables and chucking in copious amounts of ginger which sent Sean's hayfever packing (an unexpected, but very welcome result!). With the cleaning of the blenders and juicers, and the extra bit of organisation needed to make these each day it would have been easy to stop eventually. But once it became a habit it’s tough to break. So even when we have days out we make sure that we get our juice and do you know, if you look out for them there are juice bars popping up everywhere. So we grabbed one recently in Hyde Park at a festival, in a little street in Ibiza on a holiday and even the kids join in now, despite what can seem a very dubious mix sometimes! If there’s something you want to do, or your resolve has slipped, get started again and we’ll hear no more excuses! Much love until next month Coralie and Sean x

Advertise with us! Reliably delivered by our local teams, reaching over 35000 homes each issue, SEVEN editions of Big Voice provide exceptional monthly coverage of our area every single month. Call our friendly team now on 01329 630630, jump on our website and have a chat or link up with us on Facebook. Visit our Facebook page Big Voice Directories

Visit our website www.bigvoicedirectories.co.uk

Nave Contemplation Last Wednesday, 1st July, I celebrated 25 years as a priest, along with 250 other people, in Holy Trinity, Gosport, one of the two churches (with Christ Church, Gosport) where I am presently working. Graham Hewitt, and Honorary Freeman of Gosport and former mayor, who has known me since my earliest days as a clergyman, wrote the following about this memorable day for me:

of Gosport. “Andy was a superb Mayor’s Chaplain to myself, Councillor Richard Dickson, Councillor Keith Gill and Councillor Wayne Ronayne and took part in all the important events in the Town”. During the last twenty five years Father Davis has held a number of positions in the Portsmouth Diocese. Following his curacy at St. Mary’s Alverstoke, he became Curate-inCharge at St. Francis, Hilsea and then Chaplain to the then Bishop of Portsmouth Doctor Kenneth Stevenson. He was then appointed Rector of St Peter’s Church, Bishop’s Waltham before becoming Vicar of Christ Church and Holy Trinity. Until last month he was also Area Dean of Gosport.

The Revd Andy Davis, Vicar of Christ Church and Holy Trinity, Gosport and Area Dean of the Church of England’s “Deanery of Gosport” andy@christchurchgosport.co.uk or andy@holytrinitygosport.co.uk

“A priest who began his ministry in Gosport 25 years ago celebrated his Silver Anniversary at a special service and reception at Holy Trinity Church,Gosport. Father Andy Davis welcomed the guests of honour, Bishop Timothy Bavin who conducted his ordination 25 years ago to the day; and the former Rector of Alverstoke, Canon Norman Bishop Timothy was enthusiastically Chatfield who supervised Andy’s welcomed by many who remember work and training in his first him affectionately as a popular and appointment. loved Bishop. Now aged 80 the Addressing the packed congregation former Bishop of Johannesburg is Bishop Timothy said the attendance now a Benedictine monk at Alton was a powerful expression of thanks Abbey.” and respect from those whose lives had been touched by Andy’s ministry. Canon Chatfield paid tribute to Andy’s varied work and care of sections of the community particularly the young and elderly. The service was conducted by Father Andy assisted by the Venerable Gavin Collins, Archdeacon of the Meon, Canon Jeffrey Bell (who helped train Andy) and Philip Hopgood, Lay Deacon of Holy Trinity. Father Andy’s wife, Chris, and his 88 year old dad both gave readings. Former Mayor, Councillor John Beavis said that Father Davis had played an important part in the civic life

Auto biographies Naturally, the Mitsubishi keeps its go-anywhere, selfassured and powerfully built presence. This is characterised by its short front overhang, upright windscreen, strong high flanks, flared wheel-arches and rear-mounted spare wheel. These are all key Shogun styling cues that underline its mud-plugging aptitude.

The Mitsubishi Shogun is not only a giant of a 4x4, its cabin feels solidly screwed together and comes crammed with luxury features. As well as improved sound deadening, SG4 trim brings leather seats, Bluetooth, a tyre pressure monitoring system and a five-speed automatic gearbox.

Staying inside the cabin of the Shogun, its multifunction display has reams of information available. This includes a barometer and an Indeed, standing next to the altitude gauge, indicating that this is Shogun makes you feel pretty a vehicle that has motoring ability stretching way beyond a farmer’s small. The vehicle is field. enormous and looks rather intimidating to drive. But The seats are comfortable and once you haul yourself into the cabin, turn the key, select supportive, and the large glass area provides first rate views of the road ‘Drive’ from the automatic gearbox and get rolling, any or rugged ground around you. Rear FAST FACTS seat space is colossal, and load unease evaporates.  Price: £37,489 capacity seems immeasurably big.  Max speed: 112mph By no means is the brute PROS ‘N’ CONS  0-62 mph: 11.1 secs A third row of seats can be popped Pulls well √ always a delight to drive on  Combined mpg: 33.2 up too, turning the Shogun into a Off-road ability √ the road though. Sure, it’s Spacious √ easy to point the Shogun  Engine: 3200cc 4 cylinder 16 seven-seater. This is convenient if Visibility √ valve turbo diesel you’re taking a group of friends into down a motorway and stay On road  Max. power (bhp): 194 the rough or you’ve got a posse of there, but any cross winds do manoeuvrability X  Max. torque (lb/ft): 325 knock you about a bit. That’s children you need to drop off at school. no surprise as it’s a tall  CO2: 224 g/km vehicle – and because of that Away from the much commented you can also forget tearing around In 1982 Mitsubishi Motors bends on country roads, unless you luxury soft-roaders, heavy-duty Corporation launched a brand new workhorses such as the Shogun have like lots of lean. breed of vehicle: a 4x4 which was carved out a unique niche in the tough enough to go where others feared to tread, yet enjoyed the sort Instead, the new Mitsubishi Shogun market where ability and is about muscle and ruggedness. The dependability matter first and of sophisticated specification more foremost. top of the range Long Wheel Base normally associated with top end saloons. More than thirty years later (LWB) SG4 model, on test here, pulls Since a price decrease in July 2013 like a train with its 3.2-litre, the Shogun is a living legend. 194bhp,four-cylinder diesel engine. Shogun sales have gone from 0-62mph arrives in 11.1 seconds and strength to strength. With its new The 2015 Mitsubishi Shogun has a design and improved specification, bold new front end, distinguished by top speed is 112mph. More a deeper more integrated grille and importantly it has low-ratio gearing the Mitsubishi Shogun now offers chic LED daytime running lights. The and a differential lock to make sure even better value for money. you’ve got the best chance of design changes for this year represent a progressive evolution of getting it out of even the most the hard-hitting Japanese off-roader. challenging of non-tarmac situations.

New Ford Mondeo New Mitsubishi Shogun

By Tim Barnes-Clay Clay www.carwriteups.co.uk @carwriteups @carwriteups

23 - 26 October 2015

It’s all child’s play

By Sue Gascoyne

Get set! Ready for the school run After a 6 month break from moving anywhere far or fast, I’ve recently discovered the joys of walking to school. Recovering from a ruptured calf injury, I’ve had to learn how to walk again and by that I mean walk properly, without compensating with other parts of the body!

have been set free on a journey of discovery, and what a time of year for that adventure. With blossom floating on the breeze scenting the air in wafts of perfume, a visual spectacle of colours and birdsong to warm the heart, that journey to school is fast becoming an opportunity to reawaken the senses.

that helping children to forge links with nature from a young age sets them up for healthier and more fulfilling lives in the future, by developing an attachment with Mother Nature herself.

With adequate time, a constant challenge in our house, children My aim has been to quit the can enjoy the luxury of tracing rather ungainly speed walking For children ‘nature is sheer the silvery line of a snail, weaving stature that I’d acquired, from sensory experience’ (Cobb,1977), their way through trees, carefully rotating the hips instead of and after being cooped up inside balancing along a wall, spinning breathing and walking from the or in the bubble-like cocoon of a core. In fact I’ve been struck by car, that precious time is an this opportunity to re-experience opportunity to breathe deeply what it is like to do something and marvel about all that’s good that we take for granted in in the world. children, walking. That means having to think about and look at With so much of children’s lives a every step, just to make sure that constant rush from one club to your foot is where it should be. another, the precious walk to school marks a gradual transition Discovering the wonders of between home and school/work. proprioception first hand (awful An opportunity to ponder, name but basically means recharge batteries and prepare understanding where our bodies mentally for the day ahead. The are within space) has reinforced balance between familiarity from for me the amazing feat of the route and routine and mastery that infants and young differentness from ever changing children undergo as they develop natural and manmade events from ‘helpless babies’ unsure of provides just the right mix for where their body starts and engaging and energising the finishes, to rolling, crawling, brain. The route home is no less sitting, standing, tottering and important. An opportunity for running children – a miracle of children to let off steam after the Mother Nature. constraints of the classroom, adjust to changing roles, And so after months of feeling recharge and ponder on what to old and unable to run and play do next. As well as making great alongside my children as I would sense for the environment and naturally do, I, like a toddler, the fight against obesity we know

round lampposts and pausing to pick up treasures or special stones, as children are prone to do. This could be a time for running, cycling or scooting on a scooter, what better way to feel the wind on your cheeks and rush of energy and measured fear that children need to experience? Judging by the number of parents seen sporting scooters on their shoulders returning from school my children are not the only ones who’ve got the scooter bug. We know that adults tend to overestimate the boisterousness of children’s play, thinking they’re far more active than they

really are. I guess this is a result of our increasingly sedentary lifestyle? So a healthy breakfast, followed by the school run are great ways for setting children up not just for the day, but life generally. Finally let us now forget the value of this precious time for talking with our children, and I do mean with rather than to! Research shows a proven link between the number and range of words used by a mother with their child, and their child’s success in later life, so any opportunities for conversations should be welcomed with open arms.

The secret of course lies in children knowing that their views will be valued and listened to as well as having something to talk about like that silvery snail trail, unusual stone, funny shaped cloud or car zooming past on the school run. For more fun sensory play activities, Sue’s latest research, resources and training go to www.playtoz.co.uk. sue@playtoz.co.uk 01206 796722

Martin Lewis Haggling isn’t just a skill for market stalls, these days where it really pays is at call centres. And if you’re a Sky customer there’s no better time to put your haggling skills to the test, as June means some Sky TV customers are facing hikes of over £50 a year.

@MoneySavingExpert

1. Benchmark the best deal. It's important to have the factual arsenal. Research the deals, discounts and codes that are available for new customers, as a basis for negotiation. Here’s a quick rundown for each of the main haggle areas.

count, and they're just as much within their right not to give it as you are to leave. Aim for polite, firm and noncombative.

5. Use the phrases that pay. You may find that the customer service rep will only - Digital TV: For example, you can current- offer a small discount at first, but if you don't agree with the price use phrases Yet this isn’t just for Sky. It works for other ly get 25% off all Sky TV bundles and £75 TV firms, mobile, TV, broadband, breakbill credit, compare this with what you will like: down and more. Last year on my site, I be paying. You can use this figure to hagpolled over 7,000 people who tried to call- gle with Sky or Virgin. See www.mse.me/ - I've worked out my monthly budget, and my absolute max is £[insert price here]/ centre haggle, to see how successful they digitalTV for all the deals. And of course were company by company. the cheapest digital TV option is Freeview. month It's a one-off cost of around £20 for a box - [TalkTalk/Virgin/BT] can do it for less... - I need to think about it... The results are staggering, at Sky 86% and there's no monthly subscription. - I think my husband / wife will go bonkers succeeded in some form of discount, the if I pay that... AA 84%, TalkTalk 83%, Plusnet 82%, Virgin - Breakdown cover: If you go via a cash- It's still a lot of money... media 80% and RAC 78%. In other words, back site, you can effectively sign up for for every five people who tried, four got a basic AA or RAC cover for under £20. See - What's the very best you can do? deal. www.mse.me/breakdown for full best6. Don't panic if it calls your bluff and buys. says it'll disconnect you. Some people And don’t think the amounts are trivial worry and get nervous to try this in case either, here’s just some of the successes - Broadband: Here the best deals are all people have tweeted me in Sky’s current promo offers. A common level is line rent they're disconnected. My easy 'get out of jail free' card on this is the phrase: "Hold round of price hikes… and broadband for £16 a month, plus a “Just saved £315 a year with a good old £100 high street voucher. Full best-buys in on, I'll call you back on that. I'd like to check with my wife/husband/dog/Aunt haggle with Sky, cheers Martin.” www.mse.me/broadband. Fanny first." “Phoned up and in 10 mins it'd knocked 7. Ask if it can throw in extras. If it won't £134 off my bill. No change to services or 2. Timing is crucial. Haggling works best slash the price, see if it can include any terms. Thank you!” when you're near or beyond the end of “Managed to save almost 50% by calling. your contract as then they have a real risk extras, like free calls or extra Firm but polite with a clear message you’ll leave. There's no harm in giving it a channels, bigger download limits, or one level higher breakdown cover throughout my call.” try when you're not, if you struggle then So don’t be shy, it’s time to tool up and diarise when you're nearing the end (you 8. If you fail? Try, try and try again. I’ve get a haggle on. Here are my top ten tips can give Sky notice of leaving 31 days heard rumours that different staff mem(but for you, I’ll do it in 9). before the end of your contract) and call bers have quotas of how many deals they back then. can do. Even if not true, it feels like that to many. You may have called the wrong 3. The haggling Holy Grail is the customer retention department. If you're person at the wrong time. So call back a coming to the end of your contract, or few days later and speak to someone else. This works for many people. are out of it, then you're wielding a powerhouse weapon: customer loyal9. Vote with your feet. If you don't get ty. If they don’t offer the deal you what you want and other firms offer the want, tell them you're going to leave. same for less, then you should seriously This means you get put through to consider leaving and go grab one of those what they externally call deals. “disconnections”, but internally is called “customer retentions”. There the staff’s job is to keep you, and they have massively more discretion to offer you deals to do so. 4. Use charm, chutzpah, cheek and a smile. Aggression or anger will just put their back up. You're asking for a dis-

Dahlia

August can often be dire for gardens, with dry soil and a natural lull between the summer and autumn flowering plants. But there are a few little garden life savers, such as the Dahlia which are relatively drought-tolerant that will give your senses the splash of colour needed as you move through to the next season. Youâ&#x20AC;&#x2122;ll need to regularly dead-head to maintain the best blooms but itâ&#x20AC;&#x2122;ll be worth the time taken to maintain them. Make sure you donâ&#x20AC;&#x2122;t overfeed with high nitrogen fertilisers and do try to put them in a good sunny spot for direct light.

P lanning Matters A monthly round up of planning applications submitted since 1 June 2015 GOSPORT COUNCIL REF

15/00271/ FULL

LOCATION

Ds Smith Recycling Cranbourne Industrial Estate Cranbourne Road Gosport Hampshire PO12 1RL

PROPOSAL

STATUS

Change of use to a flexible use for Pending Consideration class b1(b), class b1(c), class b8 including class b8 open storage and self storage and continued sui generis use for importation, storage and processing of plastic, glass, steel and aluminium

15/00311/ FULL

49 High Street Gosport Hampshire PO12 1DF

Continued use as wellbeing salon (conservation area)

Pending Consideration

15/00303/ FULL

32 Alver Road Gosport Hampshire PO12 1QR

Erection of two storey side/rear extensions

Pending Consideration

15/00267/ FULL

75A Dukes Road Gosport Hampshire PO12 4RZ

Erection of summer house, garden store, shed and hardstanding

Pending Consideration

SOLENT FLOORING

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Call today - FREEPHONE: 0800 9177 553 Jason: 07770 411734 John : 07812 132087 Vicky@solentflooring.co.uk www.solentflooring.co.uk Unit C1, Heritage Business Park, Heritage Way, Gosport, PO12 4BG Established 25 years. Company Reg 5813534.

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ABSOLUTE RUNNING

“I used to…. But my knees are shot” So, what's the most common statement we hear at Absolute Running? 'I used to do.....but can't now as my knees are shot'. Whilst not wanting to poo poo official medical diagnosis, we can assure folk that there is still fun to be had and an endorphin rush to experience.

object initially but soon adapt to being used.

version which uses outdated formulae and methods.

As we now expect to live longer, it makes sense to remain physically active and there are so many ways we can do so.

At Absolute Running we provide access to several Pilates, Tai Chi and Yoga classes that are a great way to introduce strength and flexibility to any training plan and there are other classes available from a variety of local sources.

Between Gosport, Lee on the Solent, Stubbington and Fareham Very often, sportsmen and women there are several gyms who all stop doing whatever has been offer classes at competitive rates in addition to a host of personal their long standing passion for a trainers and exercise classes to variety of reasons, sometimes injury and sometimes through suit all pockets and tastes. The circumstance. A return to any form internet provides access to many of physical activity thereafter can training programmes and a good be difficult and it's often easier to example would be the 'couch to 5K' or 'couch25K'. This is a simply draw a line beneath our sporting career than pursue the running based system that will see results whilst preventing injury or joy we once experienced. Joints and connecting tissues will always demotivation or over training. NB Please don't use the archaic NHS

We have also introduced a Wednesday evening run club for beginners. Called the 545 RunClub, it meets each week at Absolute Running at...yes, 5.45. It is a gentle 3 to 6K 'jog' tailored to whoever walks through our doors at the allotted time. We also have a resident sports therapist on site in Knott Kinetics to advise regards potential injuries

in the event of doubt and it should shoe...Because we love running too. #FTS be said that before commencing any programme of activity, a general wellbeing check should be Nick Carter. Founder/Director / Marketing obtained from a GP if there are & Outside events manager. any concerns. Absolute Running Ltd For those looking for a more gentle activity that will still maintain stronger and more flexible bodies, indoor and outdoor lawn bowls have a huge following with a choice of 7 clubs between Gosport & Fareham.

www.absolute-running.co.uk

Once considered as a sport for older generations, there is a growing number of younger people who have found how pleasurable and social this sport can be. And finally, the much awaited Lee on the Solent parkrun arrived at Lee seafront last Saturday 4th July. A massive 430 runners or walkers of all ages and abilities enjoyed this incredibly friendly sporting phenomenon in taking on the 5K challenge which happens up and down the country every Saturday at 9am. Free and children and dog friendly, this really is becoming a national obsession which one can't really explain but needs to be experienced. The next event is this coming Saturday starting and stopping at Beach Road car park on Marine Parade. All that is required is a barcode that can be downloaded and printed off for free from the parkrun (all lower case) website and production of said barcode will also entitle the holder to a small discount at cafes local to the event. It's what we at Absolute Running are all about...community. So, if the old knees are creaking a bit, why not check out some of the options available and we may see you at your local parkrun before you know it. Follow the

Remarkable Relationships Jessica McGregor Johnson is an international speaker, guide & mentor and author of “The Right T-Shirt, Write Your Own Rules and Live the Life You Want”. She helps people who are at a crossroads in their life discover themselves anew and identify the kind of person they want to be whilst living the life they chose.

Relationships and money. Oil and water? Money can be a key problem of communication in relationships. It brings to mind the problem of oil and water – they simply do not mix. However you can shake them up and the oil will be held in suspension - which is a way of mixing the two together. Equally you can mix relationships and money – you just need a particular way to do it. Six key points to remember:

1. Make decisions ahead of time. This may sound like a no brainer but for many the opportunity to have ‘that’ conversation passes and then neither want to bring it up so it goes unmentioned until you hit a problem. Better to have the conversation before you get to that point.

and honestly is the magic ingredient here. If one side has a strong opinion and does not listen to the other then further down the road you will find resentment creeping in.

I have had both in my current relationship – in the beginning we had joint money but when we started to have our businesses in 2. Make the decision – joint or different countries we split it up. separate money. This is a key question and one to be discussed It was only then that I realised openly and honestly. And openly what a stress having joint money

was. It wasn’t that either of us were spendthrifts – we weren’t. But we did have different priorities. By being individually responsible for our money it made it easier. This was not about both earning equally – we have and do subsidise each other. But once that money is in our individual accounts it is our responsibility how it is used. 3. Have a joint account for joint expenses. This makes life so much easier – especially if you do not agree totally with each other how money is used. By having a separate account for joint expenses that is paid into by both parties, if both are earning, you both know that the ‘survival’ level of money is taken care of. The amounts you pay in may be equal or may be pro rata depending on the level of earnings. It is an agreement between you both.

arguments. This is also true for credit cards. Talk about how you want to manage credit cards – do you want them paid back at the end of each month or are you both ok with having a certain balance on your cards? If you are ok with a balance on your credit cards, how much? At what monetary level does a purchase need to be discussed beforehand? This will help you build trust around debt. 5. What kind of savings do you want to have? Firstly decide what saving you want to be doing. Is it just long term, as in pension, or do you want a fun savings account for those lovely holidays or new car? How are these accounts managed? If you have separate accounts are your savings separate too? Think about what you want to do with that money ahead of time.

6. Acknowledge that you may have different ideas about money. That does not make 4. Always talk about any debt you want to take on. Ensure that either one of you wrong but it is both of you are on the same important so that you can work page. By agreeing all debt up out the best way to work front, and who is responsible for together. I have seen in these paying it back, you avoid kinds of relationships that

P uzzle Answers Answers

individual accounts often work better. Have a joint account for joint expenses, an agreement how you manage the debt, the savings etc and then an agreement that with what’s left over it is up to the individual what they do with it. The saver may want to save the spender may want to spend – and that’s fine. Neither is right or wrong – it is up to the individual. We all have different ways of looking at things and money is a very emotive issue for many. By talking about things up front and honestly you stop a lot of grief before it can even get going. You can mix the oil and water of relationships and money and catalyst to do that is communication. Follow the key points above and you will be going a long way to getting rid of one of the most contentious part of relationships And – you get to live even more happily together.

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FAREHAM ART GROUP ANNUAL ART EXHIBITION

The 65th Annual Art Exhibition will take place at FERNEHAM HALL from Monday 21st-Saturday 26th September 2015. Entry FREE. Open: Monday September 21st 10am- 4 pm, Tuesday 22nd-Saturday 26th. 10am-4pm & 6pm-10 pm Come along & browse some amazing new art work by a flourishing local group. For more information FAREHAMARTGROUP.CO.UK