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YOUR<br />

44 pages<br />

of tips and<br />

advice<br />

Welcome<br />

GUIDE<br />

Expert advice to help you:<br />

Succeed in your role<br />

Settle somewhere new<br />

Network like a pro<br />



WELCOME!<br />

We're so happy you're here. Whether you're starting a new job, have moved<br />

from abroad or just down the road for your role you must be buzzing with<br />

excitement - you've made it!<br />

Now’s the time to find your feet, both at home and at work, and the<br />

good news is, we’re here to help. In this <strong>booklet</strong> you'll find lots of advice<br />

and information to help you settle, including tips and advice from other<br />

professionals who’ve already made their move. So sit back, relax, pour a<br />

cup of tea and have a good read.<br />

Best wishes,<br />

The Benivo team<br />

Don’t forget!<br />

You can find lots more<br />

information on your online<br />

account AND if you have<br />

any questions, you can<br />

chat to a member of the<br />

team live online<br />

Ps. we’d love to hear from you! If you have advice for other people ahead of their moves<br />

please share it with us. Send your tips to success@benivo.com<br />



Conquer your move 6<br />

Bring your home to life 10<br />

Connect and network 14<br />

The secrets of success 18<br />

Insider knowledge 22<br />

Seize the day 26<br />


Make an impact 30<br />

Learning a new language 34<br />

Smart spending 38<br />

Food on the go 40<br />

Your welcome puzzler 44<br />




Moving home and starting a new job are 2 of the most stressful<br />

events a person can experience but don’t worry, we have some<br />

expert advice to help make any life change a breeze<br />

“Moving home is hardly an everyday event,” says life coach Julie Brown.<br />

“There’s loads to do, plenty to plan, and life still goes on in the meantime. If<br />

you’ve relocated overseas this is exciting but can be frightening too. After<br />

all you are starting from scratch.”<br />

Julie advises that there are some simple things you can do to put you in<br />

the right frame of mind as you start your new life, and your new job. “We<br />

seldom root our comfort in the simplest of pleasures like a cup of coffee, a<br />

family photo, our favourite music/book/movie on the iPad, but when you’re<br />

living abroad, these things can prove really helpful in making you feel less<br />

homesick,” she says.<br />

Julie's Top Tip<br />

“Always have your very favourite<br />

personal belonging at hand to look<br />

at whenever you feel a bit lost. It<br />

will help to take you back to a<br />

happy place, regardless of where<br />

you are in the world.”<br />

If you’ve relocated<br />

overseas this is exciting<br />

but can be frightening<br />

too. After all, you are<br />

starting from scratch.<br />


Prepare for mixed feelings<br />

Julie also explains that it’s important to relax and remember why you made<br />

the decision to move, or change jobs, in the first place. “A career change,<br />

following a dream, a better life for your family - keep all of these things in<br />

mind and you’ll soon find yourself looking forward to everything you can<br />

squeeze out of this amazing adventure.<br />

“There will be times when nothing goes the way you planned, or you may<br />

get overwhelmed with learning a new language or settling in your new<br />

role. Regardless of the cause of the stress, patience and positivity are the<br />

keys to overcoming it.”<br />

Julie's Top Tip<br />

Try to learn something from each<br />

new situation you encounter. This<br />

will allow you to confront even the<br />

most daunting problems with ease<br />

and confidence.”<br />

You’ll soon find yourself<br />

looking forward to<br />

everything you can<br />

squeeze out of this<br />

amazing adventure.<br />

For more on Julie or to check out her blog and podcasts, go to<br />

www.thesassylifecoach.com<br />




If you’re moving into a new home you’ll no doubt want to get<br />

settled as soon as possible. Here’s how you can make a new<br />

house feel like a home<br />

Moving into a new home should be fun and exciting, and it is, but it also<br />

comes with some surprisingly tiresome tasks. Setting up bills, unpacking<br />

and even cleaning are all things you have to fit into your schedule, before<br />

you can start enjoying the area. So be prepared!<br />

Turn up with a positive attitude and tackle these tasks immediately. Take<br />

pictures of your space as a document of any signs of wear or damage and<br />

share them with your accommodation provider.<br />

Then get your bags unpacked and spread your belongings around. You’ll<br />

have your place feeling like home in no time.<br />


Top tip<br />

Try “knolling” to speed up the unpacking process;<br />

group, align or square all your belongings by type on<br />

a flat surface. When they’re all laid out you will have a<br />

clearer idea of what needs to be put away and won’t<br />

have mystery boxes and bags left to unpack.<br />

Settling in with sensory spaces<br />

Once you’ve unpacked, you can look at improving your space. Focus on<br />

your senses, specifically how your home looks, smells and feels, as these<br />

things will directly affect your mood. Think about these few things:<br />

• Air quality - this can impact on health and is very important if you<br />

plan on spending a lot of time indoors. Breathable natural fibres,<br />

open windows and plants such as Aloe Vera will help to keep your<br />

air fresh and clean.<br />

• Light quality - gold or soft white bulbs will make a home appear<br />

warmer and avoiding blue light before bed will help you sleep<br />

better. In addition, bring as much natural light into your rooms by<br />

opening curtains during the day.<br />

• Display - whether you’re a minimalist or a bit of a hoarder, organised<br />

spaces are known to help create a sense of calm.<br />

Above all, try to create a healthy space that you enjoy being in!<br />


10<br />

Top tip<br />

Plants can directly impact your mood and improve your<br />

quality of life. Try jasmine to help you sleep, lavender<br />

to lower anxiety and English ivy to reduce mould.

Make the most of your space<br />

Incorporate some of the following ideas to make your home feel bigger:<br />

• Use mirrors to extend the sense of space<br />

• Introduce more light to your home by opening curtains during the day<br />

• Storage tables/seating can help remove clutter and reduce the<br />

number of items on display<br />

• Shelving and hanging storage is a great way to take advantage of<br />

unused space<br />

• Raising furniture by just a couple of inches (using furniture risers - you<br />

can search for these on Google) will give you space to store cases<br />

and boxes<br />

Moving home? Solve problems fast<br />

It’s possible that you’ll experience issues when moving into a new home<br />

that’ll need to be resolved whilst you’re living there. These can range from<br />

a broken tap and leaking water pipes, to doors that won’t lock and having<br />

no hot water. Don’t worry if this happens, we have some tips to help you<br />

resolve issues quickly. Follow these simple steps:<br />

1. Report the issue to your accommodation provider, landlord or<br />

reception staff immediately<br />

2. Take photos of the issue as soon as you can<br />

3. If the problem is urgent, call and speak with your accommodation<br />

provider. They might be able to resolve it straight away, or tell you<br />

when it can be resolved<br />

4. If your accommodation provider is slow to respond or fails to act,<br />

follow up your call with an email so you have a record of the<br />

issue (including the pictures you took)<br />




Forming long-lasting connections leads to increased<br />

productivity, better job performance, and a fulfilling social life.<br />

To discover how to do it well, read on for expert advice from<br />

professional career advisor and life coach Kelli Elmer<br />

Meeting new people<br />

“Everyday occurrences at work can be a great way to connect with new<br />

people,” explains Kelli. These can happen anywhere and anytime, as<br />

you’re waiting to go into a meeting, at the coffee machine or in the kitchen<br />

preparing lunch - but many of us let them slip by. "The key is to use them;<br />

start with a simple ‘hello’ and see how quickly a conversation can unfold."<br />

Outside of these chance meetings, find out about social activities run by<br />

your company. Don’t be put off by events that you wouldn’t usually be<br />

interested in - use them to get to know your colleagues. If there are no<br />

socials planned, why not organise one yourself?<br />

Maintaining connections<br />

Once you’ve made a connection, maintaining it will take some effort, but<br />

this is ultimately very rewarding. Here, Kelli offers 3 simple tips to get<br />

started:<br />

1. Ask connections thoughtful questions, discover their interests,<br />

their likes and dislikes.<br />


2. After the initial meeting, find out how you can help them with any<br />

skills or experience you may have.<br />

3. If they’re on social media, connect with them.<br />

Network like a pro<br />

Networking is a simple tool that’s vital for gaining and strengthening<br />

connections. “Your company might arrange its own networking events, or<br />

be able to provide information on events taking place in the local area,”<br />

says Kelli. These are a great way to meet new people and grow your own<br />

network of contacts.<br />

“If you’re attending a networking event, research who’s hosting it in<br />

advance,” she says. “Look into their background to get an insight into them<br />

and who might also be attending.” Prep done, it’s also a good idea to<br />

prepare a short introduction that tells people who you are and what you<br />

do. “Have a few thoughtful questions ready to ask people you connect with<br />

too.” After all, failure to prepare is preparing to fail but having questions<br />

ready will ensure that you can establish conversations and keep them<br />

going.<br />


Alice<br />

Hi Kate, would you like to<br />

meet for coffee?<br />

Kate<br />

That would be great!<br />

Alice<br />

How about 3pm - after our meeting?<br />

Kate<br />

Perfect, see you then<br />


Use apps and groups<br />

There is an abundance of apps and online groups you can access to help<br />

you meet new people and form connections. Here are a few of the best:<br />

Personal<br />

Meetup iOS and Google Play<br />

Allows users to find and set up local meetings with people who<br />

have shared interests<br />

Friendable iOS and Google Play<br />

Users can set up one-on-one or group meetups for meals out,<br />

live music, comedy shows and more<br />

Business<br />

Shapr iOS and Android<br />

Allows users to contact potential business connections nearby<br />

Ripple iOS and Android<br />

Allows you to connect with people nearby, and displays<br />

business-relevant information on users’ profiles<br />

Pathable iOS and Android<br />

Allows users to connect before, during and after events. Includes<br />

a directory of attendees, direct messaging, speaker profiles and<br />

scheduling tools<br />




Some of the most successful people in the world repeat the<br />

same habits and tricks like clockwork and here, to get you<br />

ready for your new role, we’ve compiled a list of them. Get set<br />

to excel in your new company with these 5 secrets of success!<br />

1. Do the most important things first<br />

No matter what line of work you’re in, sometimes to-do lists pile up and<br />

it can feel like there aren’t enough hours in the day to complete them all.<br />

Organising your to-dos by priority ensures nothing big slips through the<br />

cracks and means you’ll always have time for the most important tasks.<br />

Mind Tools, an organisation that provides career and management advice,<br />

suggests splitting your tasks into categories from A (urgent) to F (nice to<br />

haves), then working through your list alphabetically.<br />

Top tip<br />

While writing lists on paper is the easiest way to do<br />

this, apps like Remember the Milk, Toodledo, and Todoist<br />

can help you arrange and tick off tasks at the touch of a<br />

button, and send you helpful reminders.<br />


2. Rise and shine!<br />

A study by Tom Corley, an accountant and financial planner, shows that<br />

50% of self-made millionaires wake up at least 3 hours before their work<br />

day starts. Most use this time to plan their day, exercise, or spend time on<br />

personal projects.<br />

In addition, famous early risers include Apple CEO Tim Cook (whose day<br />

starts at 3:45am), Oprah Winfrey, Michelle Obama and Edwin Catmull, the<br />

president of Pixar.<br />

3. Hit the books<br />

Continued study and self improvement is a key part of successful people’s<br />

routines, with Tom’s study showing that 88% of their wealthy respondents<br />

spend 30 minutes a day reading. While non-fiction is popular among the<br />

high-flyers, there’s still a lot to be gained from getting lost in a good novel.<br />

Studies show that regular fiction readers are better problem solvers and<br />

are better at making connections, both invaluable skills for the business<br />

world.<br />


4. Build your social network<br />

You don’t need to launch your own version of Facebook to be successful,<br />

but business is all about people. Having a network of colleagues and<br />

contacts will help you in the future. In-person meetings are crucial for<br />

developing connections, as it humanises both you and the person you’re<br />

working with. So be sure to get out from behind your computer and spend<br />

time face-to-face with your colleagues and contacts.<br />

5. Minimise distractions<br />

We live in a world of hyper-connectivity and, while instant conversation<br />

with colleagues or staying on top of the news on our phones can feel<br />

productive, it often serves as a huge drain on our time. Getting into the<br />


habit of blocking out chunks of your day where you won’t check your<br />

phone, emails, or messages can help you boost productivity and focus.<br />

Larry Rosen, a research psychologist who specialises in how technology<br />

affects our behavior, suggests starting small before you go cold-turkey on<br />

your usual distractions. Give yourself 1 minute to check your email and<br />

notifications, then do 15 minutes of completely distraction-free work. When<br />

this becomes easier, bump it up to 20 minutes, then 25, then 30. After that,<br />

Larry suggests, it should be much easier to go without distraction for long<br />

periods of time.<br />

Get into these habits and see how they help boost your career. Start<br />

with 1, like getting up earlier, and add in the others 1 at a time until you’re<br />

functioning like a well-oiled Bill Gates!<br />




There’s no better person to ask about moving for work than<br />

someone who’s already done it. Here, gain insights from<br />

professionals who’ve all relocated for work<br />

"Moving for a new job can be a little daunting, especially if you’re moving<br />

to a new country where you’ll have to adjust to all sorts of new things but<br />

the best advice I can give is to try and remember that you’re not on your<br />

own,” says Marguerite, who moved from France to work in London.<br />

"Like you, lots of other people at your new company will have moved<br />

for their jobs too, and every one of them will remember what it was like,<br />

whether they moved this year, last year or even 5 years ago," she says.<br />

"You’ll find that most people are happy to talk and share their tips and<br />

advice. All you need to do is ask. Spark up a conversation with someone<br />

in the office or while you’re making tea and you’re sure to be pleasantly<br />

surprised."<br />

You’ll find that most people are happy to talk and<br />

share their tips and advice. All you need to do is ask.<br />


Marguerite’s top 5 tips<br />

Find your route<br />

Ahead of your first day, do your route to work so that you know<br />

where you’re going. It sounds silly, but knowing where to go<br />

can really take the edge off first day nerves.<br />

Take day 1 in your stride<br />

You’re bound to be nervous on your first day but try not to put<br />

too much pressure on yourself. There will be lots to take in and<br />

plenty of names to remember so keep in mind that you can’t<br />

learn it all in a day.<br />

Have a ‘can do’ attitude<br />

Of course you’re going to have a lot to learn and it will take a<br />

little while to settle in but going into your new job with a cando<br />

attitude is a great way to show your new boss, and your<br />

team, that you’re ready and willing to get stuck in.<br />

Ask questions<br />

If there’s something you’re not sure of, ask. There’s no such<br />

thing as a silly question - if you don’t know the answer, you just<br />

don’t know it, but someone else will.<br />

Lunch with your new team<br />

If you can, ask to join your team for lunch. They’ll be happy to<br />

show you around and this is a great way to get to know the<br />

people you’ll be working with day-to-day.<br />


More tips from experienced movers<br />

Moving is different for everyone, depending on their situation. Perhaps<br />

you’re moving internationally, perhaps you’re moving to a new city in your<br />

home country and perhaps you’re simply moving teams within your current<br />

company. Here are some tips from people who’ve had different moving<br />

experiences.<br />

The international mover<br />

"Even when things feel hard, try to remember exactly<br />

why you left home to be here, keep your focus on that,<br />

be flexible, and take things 1 day at a time, especially<br />

when you first move."<br />

Ana, a professional who moved from India to the Ireland<br />

The intern<br />

"Connect with as many people as possible. The<br />

technical knowledge of a new job will come either way<br />

and the relationships you build there will last over time. "<br />

Marc, a professional who moved from Germany to Italy<br />

The domestic mover<br />

"Enjoy it and explore your surroundings. Don’t jump into<br />

the 'whatever' scenario blindly. Ask as many questions<br />

as you want answers to and just learn about where<br />

you are and who you are with. Once you know what<br />

is happening around you, you can better adjust to fulfil<br />

your tasks and learn on the job."<br />

Jack, a professional who moved from the US to the UK<br />



SEIZE<br />

THE DAY<br />

New office? New area? New home? With a new start comes<br />

the potential for positive change - a lifestyle revolution. There’s<br />

never been a better time to take advantage of a fresh start, so<br />

get started!<br />

Redefine your routine<br />

While you’re working it’s important to fill your time in and out of work with<br />

as many positive experiences as possible.<br />

Bored of sitting on public transport? Take up reading during your commute<br />

(or download an audiobook), learn a language or listen to a podcast - your<br />

mind will be transported far away.<br />

Want a healthier lifestyle? Consider<br />

cycling, as it’s better for your body<br />

and the environment. Maybe try<br />

and run to work or take up an<br />

evening class or club after work.<br />

Explore your surroundings, take<br />

in the local sights and sounds.<br />

Uncover hidden histories, learn<br />

about local arts and delve into<br />

regionally-produced delicacies.<br />

Discover more!<br />

You’ll find lots of<br />

advice and information<br />

about your new area<br />

by visiting your online<br />

account. Why not<br />

take a look for a little<br />

inspiration?<br />


Top 5 apps for commute-time entertainment<br />

1. Audible - the world’s largest Audiobook portal<br />

2. Netflix - download your shows for downtime<br />

3. Elevate - train your brain while you travel<br />

4. Duolingo - learn a language on the go<br />

5. Goodreads - join the community and read<br />

Audible Netflix Elevate Duolingo Goodreads<br />

Surround yourself with success<br />

Your professional life is important and a new job offers an exciting, fresh<br />

start. Use this opportunity to invite positive influences into your working life,<br />

whether it’s proactive people or challenges. Don’t shy away from forwardthinkers<br />

and new opportunities - get networking and meet new people.<br />

Investigate what classes or workshops are on offer at work or in the area,<br />

and develop a new skill whilst networking with your peers.<br />


Meet new people<br />

Meeting people outside of work is easier than you might think as long as<br />

you’re willing to step out of your comfort zone. Research activities in your<br />

area that you think might be fun, and find groups to join (think running or<br />

yoga) - this is an easy way to meet people with similar interests.<br />

Alternatively, why not take yourself travelling? There’s no reason to stay in<br />

one place and by taking a trip, even to a neighbouring city, you’re likely to<br />

experience something different and meet more people.<br />


Top tip<br />

Create a list of things you want to achieve both in your<br />

personal and professional life and set clear goals<br />

to help you reach your targets. Go back to the list every<br />

week to update and track your progress. It’s a great way<br />

to maintain your focus!<br />


MAKE AN<br />

IMPACT<br />

We’ve all heard that ‘first impressions are count’ but just how<br />

important are they? Here you’ll discover how to make a great<br />

first impression, with advice from professional career advisor<br />

and life coach Kelli Elmer<br />


It’s perfectly natural to feel nervous when starting a new job, especially if<br />

you’ve relocated and are getting used to new surroundings too. But, to get<br />

off to a good, confident start (despite the nerves), there are some simple<br />

things you can do.<br />

For example, you could try anxious reappraisal - instead of thinking ‘I’m<br />

nervous about starting my new job’, frame it as ‘I’m excited about starting<br />

my new job.’ Then, go into your first day with a positive, polite, can-do<br />

attitude. This will reassure your new colleagues that you’re ready to hit the<br />

ground running.<br />

"Show respect and be courteous to everyone, regardless of their role too,"<br />

says Kelli. "This is especially important when your colleagues have given<br />

their time to explain something to you."<br />

In addition, show a genuine interest in people. "Ask them about their<br />

backgrounds and their role in the company. Not only will this make them<br />

more receptive, it will also help you remember who’s who."<br />

Show respect and<br />

be courteous to<br />

everyone, regardless<br />

of their role<br />

Top tip<br />

Feeling confident can also begin with something as<br />

simple as how you dress. So, in your first few weeks,<br />

dress in a way that’s in keeping with the company’s<br />

dress code. If you're unsure of what's acceptable, it’s<br />

better err on the smarter side.<br />


Get a great start<br />

Be willing to contribute. Throw your ideas out there; even if they’re not<br />

taken further, it will reflect well on you if you’re open to sharing your ideas.<br />

Kelli stresses the importance of having an open mind when beginning your<br />

new job; “early on I would avoid an attitude of thinking you know better<br />

how to do things. Obviously if you are brought in to change things you can<br />

get to that, but when you’re first meeting everyone it’s better to find out<br />

how they work and not show judgement.”<br />

Prove that you’re proactive by asking what it would be best for you to do<br />

once you’ve completed any tasks assigned to you.<br />

It would be almost impossible to remember everything you’re told in the 1 st<br />

days and weeks of your new job, so make a note of everything. You never<br />

know what you might need to refer back to in the future.<br />


Don’t complain or gossip about coworkers, and avoid talking about<br />

politics or religion - 2 potentially divisive topics. Avoid speaking negatively<br />

about your previous places of work, as it could make you seem easily<br />

demotivated.<br />

Top tip<br />

If you’ve moved from abroad there will undoubtedly<br />

be cultural differences to consider, so look into local<br />

etiquette and customs before you arrive to avoid making<br />

any faux pas. Information is usually available online, but<br />

you could also ask someone at your new place of work.<br />

Kelli continues; “people are generally patient with newcomers, but it will<br />

help if you’ve done some research before you arrive. Try and pick out at<br />

least 1 thing you can compliment about your new location."<br />

Remember, you were offered your new job for a reason, so stay positive,<br />

work hard, and enjoy it!<br />





Perhaps you’ve moved to a new country, or simply want to<br />

learn a language for fun - this article will give you 7 top tips to<br />

help you in your journey to fluency<br />

If you've moved to a country where you'll need to learn the language<br />

to get by, all you need to do is start learning! But, if you want to learn a<br />

language for fun, you'll first need to decide which one. Consider why you<br />

want to learn, and research how long it might take to become proficient.<br />

Need inspiration? Excluding English; Mandarin, Spanish, Hindi, Arabic,<br />

Portuguese, Bengali, Russian, Japanese, Punjabi, and German and the 10<br />

most spoken languages in the world.<br />


When you're ready to start, here are some tips to help you learn<br />

with success:<br />

Set aside time<br />

Like learning to play an instrument, it’s best to practice the new<br />

language every day to keep it fresh in your mind. Set aside<br />

some daily dedicated study time to help you stay motivated,<br />

and consider setting goals and rewarding yourself when you<br />

reach them.<br />

Focus on pronunciation<br />

The human brain finds it harder to remember words we can’t<br />

say, so mastering the phonetics of your target language will help<br />

your studying to stick. You can do this by listening to podcasts<br />

or language CDs, watching films in the language you're trying<br />

to learn, or using apps that feature audio.<br />

Minimise your native tongue<br />

Try to cut your native language from your study as soon as<br />

you can. “Start with pictures and graduate to simple definitions<br />

and fill-in-the-blank flash cards,” suggests Gabriel Wayner, the<br />

founder of Fluent Forever. Spending time each day dedicated<br />

only to your target language will help you get into the habit of<br />

thinking in your new language as fast as possible.<br />


Buddy up<br />

Matthew Youlden, a polyglot (someone who can speak several<br />

languages) works for the language app Babbel, and says that<br />

partnering up will keep you motivated in the long-run. He and<br />

his brother would use healthy sibling rivalry to keep themselves<br />

on track; they now speak 9 languages each. If you’ve moved to<br />

a new city alone, why not ask a fellow relocator at your new job<br />

if they want to learn with you or join a local language club? This<br />

can also be a great way to make friends in your new city.<br />

Don’t worry, be ‘appy<br />

Language learning apps are booming right now, with the largest,<br />

Duolingo, enjoying 25 million monthly users. Apps are a great<br />

tool to support your quest to fluency. As their convenience<br />

makes it easy to find practice time everyday, even around a<br />

busy schedule. Plus, most apps are gamified, helping to keep<br />

you motivated and engaged. Some great apps to try are:<br />

• Duolingo (free)<br />

• Babbel (subscription-based)<br />


• Busuu (free but has in-app purchases)<br />

• Memrise (free)<br />

In addition, if you have an Android phone, you can use Google<br />

Translate to switch the language of your messages in an instant<br />

- search Google translate on the App Store.<br />

Immerse yourself<br />

If you’re now living in a country where the main language is<br />

your target language, this shouldn’t be too difficult. You’ll be<br />

surrounded by street signs, media and, most importantly, native<br />

speakers. If you’re learning for fun, or just want to surround<br />

yourself further, try leaving notes for yourself around the house.<br />

Label appliances with their translations, as well as words<br />

associated with them. For example, as well as labelling the<br />

kettle, add notes with the translations for ‘tea’, ‘coffee’, ‘water’,<br />

‘hot’, and ‘boil’ to help you solidify the vocabulary in your mind.<br />

Be ready to make mistakes<br />

One of the most important parts of learning a language is to<br />

talk to people in that language, but it can be intimidating to<br />

actually have a conversation, especially if you’re still mastering<br />

the grammar and pronunciation. Embrace your mistakes; they<br />

can be great teachers. Remember that native speakers will<br />

be happy to help you learn and pleased that you’re trying to<br />

communicate with them in their own language.<br />

Of course, learning a new language has many fantastic benefits.<br />

It can help keep your brain sharp and allow you to make friends<br />

from other cultures, and with these tips, you should be well on<br />

your way to success in your language adventure.<br />


SMART<br />


Relocating can hit your bank balance where it hurts. Here we<br />

offer tips on how to spend smartly once you’ve moved, so you<br />

can save cash, wherever you are<br />

The golden rule<br />

The key to smart spending is to not spend more than you earn. Easy right?<br />

Perhaps not, especially when you’re in a new location and unsure of your<br />

living costs. Here’s our advice:<br />

Step 1 - Break down your spending<br />

Begin by working out your monthly budget. Do this after you arrive, by<br />

taking how much you earn each month and dividing it up. You could split<br />

it like this:<br />

70% 15% 15%<br />

on essentials on fun stuff on the future<br />

If you don’t know the cost of some essentials yet, work out how much you<br />

can afford to spend on each and avoid spending more than that.<br />


Step 2 - Get tips from locals<br />

Speak with neighbours, friends and<br />

colleagues to learn local tricks for saving<br />

money in the area. You can ask them<br />

about about the best shops, markets,<br />

transport deals, local foods and places<br />

to hang out, all with an aim of keeping<br />

spending to a minimum.<br />

The ‘Cost of<br />

living’ article in your<br />

online account has<br />

useful information in<br />

these areas too<br />

Step 3 - Keep track of your spending<br />

Now that you’ve divided your budget and loaded up on local knowledge,<br />

you’re ready to spend… smartly.<br />

Next, it’s important to keep track of everything you spend, by adding each<br />

expense to the relevant budget category you set. Search online for an app<br />

that will help you track this.<br />

Top tip for smart spending<br />

Whether you’re moving or not, if you’re eager to avoid all unnecessary<br />

spending, ask yourself 3 key questions before making any purchase:<br />

1. Do I need it?<br />

2. Can I afford it?<br />

3. Have I checked if it’s<br />

cheaper elsewhere?<br />

BILLS<br />

If you answered ‘no’ to any<br />

of those, don’t make the<br />

purchase.<br />


FOOD ON<br />

THE GO<br />

A great working day begins with good breakfast and is<br />

broken up by a nutritious lunch. Here we reveal the benefits<br />

of smart nutrition and suggest some simple recipes to<br />

supplement your 9-5<br />

The benefits of breakfast<br />

Eating breakfast should be a no brainer but so many of us skip it entirely.<br />

This is often because we’re rushing before work or simply forget, but the<br />

first meal of the day provides some of the important energy and nutrients<br />

our bodies need for good health. It’s even been associated with beneficial<br />

effects on cognitive performance.<br />

Advice from the British Nutrition Foundation suggests that having<br />

breakfast, particularly one including protein, can help you stave off hunger<br />

and reduce the likelihood of snacking on less healthy foods. In addition,<br />

timing your breakfast is a smart move too. A 2015 obesity study* found that<br />

eating a high-protein breakfast between 6am and 9.45am was linked to a<br />

reduced risk of gaining body fat gain and reduced hunger throughout the<br />

day.<br />

*Leidy HJ1, Hoertel HA1, Douglas SM1, Higgins KA2, Shafer RS1.<br />


Top tip<br />

Swap out your morning coffee for a green tea. It<br />

increases metabolism and aids digestion.<br />

Make your own and save<br />

Making your breakfast (and lunch) at home, rather than buying at work, is<br />

a fast, simple way to save money. For around the same price as 1 bought<br />

lunch, you could buy enough groceries to make lunch for a whole week.<br />

What’s more, it gives you more control over what and how much you eat.<br />

Need a little inspiration? Here you’ll find some quick and easy recipes.<br />

Overnight oats<br />

• 1/2 a cup of oats<br />

• A good squeeze of lemon juice<br />

• 1/2 a cup of low-fat milk<br />

• 1/2 a teaspoon of vanilla extract<br />

• 1 teaspoon of chia seeds<br />

• 1/2 a cup of raspberries<br />

• 2 flat tablespoons of shredded<br />

coconut<br />

• ½ a banana, sliced<br />

Method:<br />

1. Add the oats to your container of choice and pour in the milk,<br />

lemon juice, and vanilla extract<br />

2. Add chia seeds and switch up the layers of raspberries, shredded<br />

coconut, and sliced banana<br />

3. Pop the container in the fridge and it’s ready to go when you leave<br />

for work in the morning<br />


Avo and eggs on toast<br />

Perfect for breakfast or lunch, this quick and easy recipe is packed with<br />

nutrients. Here’s how to prepare it in advance so you can build it up at<br />

work.<br />

• 3 medium eggs (choose<br />

organic if you can)<br />

• 1 ripe avocado<br />

• A squeeze of lime juice<br />

• 2 slices wholemeal bread<br />

• A small handful of pine<br />

nuts<br />

• Cracked black pepper<br />

Method:<br />

1. In a frying pan, gently heat the pine nuts until they’re golden brown.<br />

Once done, pop them in a small container<br />

2. Boil 3 eggs for 4-5 minutes until soft-boiled<br />

3. Finally, in a medium sized container, pack the eggs, avocado,<br />

bread and a ¼ of a lime. Don't forget your pepper grinder! Then<br />

refrigerate until needed<br />

When it’s time to eat at work, peel and quarter the eggs, toast your bread<br />

and slice the avocado. Once the toast is ready pile on the avocado and<br />

egg, scatter with the pine nuts, squeeze over the lime and season with<br />

pepper to finish.<br />


Chicken and veg wrap<br />

Make this chicken dish as an evening meal and use the leftovers in a lunch<br />

wrap - the brown rice will increase your fibre and protein intake, and it’s<br />

really tasty. You can replace the chicken with prawns if you prefer, or tofu<br />

if you’re going meat-free.<br />

• 1 pack of ready-cooked<br />

brown rice<br />

• 1 chicken breast<br />

• 1 small red onion<br />

• 1 red pepper<br />

• A handful of mushrooms<br />

• Pre-mixed seasoning<br />

• Wholemeal tortilla wraps<br />

• 1 chicken breast<br />

Method:<br />

1. Finely chop the onion, and slice the pepper, and mushrooms into<br />

thin pieces<br />

2. Fry the onion until soft then add the chicken<br />

3. Once the chicken is cooked through, add in the vegetables and<br />

sprinkle over your seasoning of choice (perhaps smoky BBQ or<br />

Mexican fajita spice)<br />

Serve with rice as an evening meal or mix the rice, chicken and vegetables<br />

in a container and refrigerate. Take this mixture to work, along with your<br />

wraps - simply load a wrap with the mixture, roll and enjoy!<br />




You’ve completed your move, you’ve come this far, and we bet you’ve<br />

picked up a load of useful knowledge along the way. The question is, will it<br />

be enough to complete our crossword? It’s time to find out what you know<br />

Down<br />

1. A place to watch films<br />

2. Money tenants pay accommodation providers before<br />

they move in, to cover damage or unpaid rent<br />

3. Type of accommodation which combines the living<br />

room, bedroom, and kitchen into a single room<br />

4. Travel to and from work<br />

8. Sweet ____ Alabama (song)<br />

Across<br />

5. Greet a guest into your home<br />

6. Bus, train and tram are all forms of...<br />

7. Accommodation which has furniture included<br />

9. A rental ad that's not what it seems to be<br />

10. Healthcare professional<br />

11. A drink for the daily grind<br />

Answers<br />

Down: 1. Cinema, 2.Deposit, 3. Studio, 4. Commute, 8. Home.<br />

Across: 5. Welcome, 6.Transport, 7. Furnished, 9. Scam, 10. Doctor, 11. Coffee.<br />



AND WIN<br />

If you have tips and advice for other people who might be about to move or<br />

start a new job, share them for your chance to win a special prize bundle.<br />

Email your tips, along with your name to success@benivo.com with the<br />

subject line ‘Tip competition’ and you could win:<br />

A pair of cinema<br />

tickets (plus popcorn<br />

and a drink for 2)<br />

A relaxing 30-minute<br />

massage<br />

A Starbucks<br />

gift card<br />

Winners will be picked at random and notified by email.<br />


Don’t forget, we’re here to help!<br />

As well as lots of advice and tips to help you move, settle in and start your<br />

new job, you can also head to your online account and speak to us using<br />

our online chat feature - we have experts on-hand to help.<br />

Hi! I’ve moved and now have my<br />

new address. I need to open a<br />

bank account, what should I do?<br />

Jovana<br />

Great to hear you’ve made<br />

your move!<br />

Check out your ‘Opening a<br />

bank account’ article - this<br />

tells you exactly how to<br />

open an account.<br />

Click here:<br />

benivo.com/opening-a-bank-account<br />

Dora<br />

END CHAT<br />

Don’t worry if you see this envelope icon, it just means we’re<br />

currently unavailable to chat but you can send us an email and<br />

we’ll get back to you as soon as possible.<br />


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