Banbury Living Dec 2022 - Jan 2023
And just like that - Christmas is here! This special Dec 22/Jan 23 edition celebrates the best of the festive season, with great gift ideas, fabulous pudding recipes, a guide to getting ready for guests and a whole host of other features to enjoy. Don’t forget to enter our competitions - this edition we really have a Christmas bonanza!
And just like that - Christmas is here! This special Dec 22/Jan 23 edition celebrates the best of the festive season, with great gift ideas, fabulous pudding recipes, a guide to getting ready for guests and a whole host of other features to enjoy. Don’t forget to enter our competitions - this edition we really have a Christmas bonanza!
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C O N T E N T S<br />
A NOTE<br />
from the editor<br />
12<br />
FESTIVE DESSERTS TO INSPIRE<br />
I do hope you’re ready for<br />
some festive fun - because<br />
this edition is coming in<br />
with (sleigh) bells on! After<br />
so many years of disrupted<br />
celebrations, it’s great to be<br />
able to look forward to some<br />
normality and really get into<br />
the spirit.<br />
Before I launch into what is<br />
coming up - I want to apologise<br />
for a recipe mistake in the<br />
last edition - we misprinted<br />
a recipe for a spicy dahl - the<br />
correct method is available<br />
on www.minervamagazines.<br />
co.uk should you wish to<br />
make the dish.<br />
04<br />
COMPETITIONS<br />
Right...this issue - first up we’ve<br />
got some delicious recipes - if<br />
you aren’t a fan of Christmas<br />
pudding (I’m in your camp)<br />
we’ve got lots of alternatives<br />
to keep everyone happy!<br />
The competition section in<br />
this edition is a real bonanza<br />
- we’ve got an adult and child<br />
bike duo, a smart washing<br />
machine, 2 x £150 vouchers<br />
for cashmere clothes and<br />
accessories, a deluxe hamper<br />
and family fun at the Sea Life<br />
centre all to be won!<br />
<strong>2023</strong> INTERIORS<br />
22<br />
Editor Katie Thomson<br />
e katie@minervapublications.co.uk<br />
Assistant Editor Kate Norris<br />
Publisher Sally Thomson<br />
Pre Press Manager Rebecca Rose<br />
Contributors<br />
Matthew Biggs, Angela Cave,<br />
Louise Thomson, Pete Lawrence<br />
FOR ADVERTISING<br />
Account Manager Steve Davies<br />
e steve.davies@minervapublications.co.uk<br />
t 01225 984506<br />
Cover image courtesy of Waitrose<br />
HOMEMOVING GUIDE<br />
20<br />
MINERVA PUBLICATIONS<br />
Unit 21c, Paxcroft Farm,<br />
Hilperton BA14 6JB<br />
t 01225 984 550<br />
www.minervamagazines.co.uk<br />
Printed on sustainably sourced paper.<br />
Please recycle this copy or pass it along<br />
when you are finished for someone else<br />
to enjoy.<br />
Disclaimer: The publishers shall not be<br />
held liable for any loss occasioned by<br />
failure of an advertisement to appear, or<br />
any damage or inconvenience caused by<br />
errors, omissions and misprints. No part of<br />
this publication may be reproduced without<br />
prior permission from the publishers.<br />
The opinions expressed within are not<br />
necessarily those of the publishers.<br />
This is all alongside our usual<br />
dose of school, home, garden<br />
and later life advice.<br />
I hope you enjoy this issue<br />
and have some time in the<br />
coming months to take pause<br />
and reflect on the year - the<br />
passing of a much loved<br />
monarch, but a host of new<br />
beginnings - we will have the<br />
first King’s Christmas speech<br />
this year to punctuate our<br />
own celebrations. However<br />
you spend the festive season,<br />
I, and the rest of the team<br />
here, wish you a very happy<br />
Christmas and a peaceful New<br />
Year - see you in February!<br />
Katie<br />
www.banburyliving.co.uk | 3
COMPETITION<br />
To enter any (or all!) of our competitions, head to<br />
www.minervamagazines.co.uk/competitions.<br />
Find the competition and enter on that post,<br />
using the appropriate keyword.<br />
T&C’s apply and no cash alternatives available. Winners chosen at<br />
random - entries made after closing date will not be accepted.<br />
WIN Bobbin, the<br />
A SET OF PARENT London based<br />
AND CHILD independent<br />
bike retailer<br />
MATCHING offers a<br />
VINTAGE STYLE selection<br />
BIKES FROM of vintage<br />
style bikes in<br />
BOBBIN<br />
pastels and<br />
BIKES! beautiful bright<br />
shades, suitable<br />
from age two with<br />
balance bikes, all the way up to<br />
adults.<br />
They also offer a range of<br />
complimentary accessories<br />
including wicker baskets, pannier bags,<br />
helmets and bike decorations.<br />
We are offering one lucky reader an<br />
adult Brownie 7 Dutch Bike worth £549,<br />
Bobbin’s signature Dutch bicycle and a<br />
matching child’s Gingersnap bike (12”-<br />
26”) start from £189<br />
All handmade in small batches the<br />
Bobbin bikes offer high quality and<br />
comfortable, not to mention stylish,<br />
leisure bikes for the whole family.<br />
www.bobbinbikes.com<br />
Closes 19/12/<strong>2022</strong> -<br />
Competition keyword: ‘BOBBIN’<br />
Did you know that a Candy RapidO washing machine is so<br />
smart that you can show it a photo of your laundry and it will<br />
tell you the perfect cycle to wash it at? Candy’s Snap&Wash<br />
smart feature allows users to communicate with their washing<br />
machine via an app. This feature offers technology that provides<br />
efficiency from the comfort of your phone.<br />
If you like to keep things simple but not compromise on quality,<br />
then Candy is the perfect option for you. And we have a smart<br />
Candy RapidO washing machine to offer one lucky reader!<br />
www.candy-home.com<br />
Closes 19/12/<strong>2022</strong> - Competition keywords: ‘CANDY RAPIDO’<br />
Loop Cashmere is the home<br />
of feel good cashmere. Each<br />
garment is crafted with love,<br />
following sustainable practises<br />
from goat to finished garment.<br />
Our Winter 22 collection is out<br />
now, offering gorgeous lofty knits,<br />
irresistible textures and a rainbow of<br />
colour. The collection is designed in the<br />
softest cashmere to effortlessly see you<br />
through the winter months in complete<br />
luxury.<br />
We’re offering you the chance to win one of<br />
two £150 gift vouchers and treat yourself or<br />
a loved one, to a little sustainable luxury.<br />
www.loopcashmere.co.uk.<br />
Closes 19/12/<strong>2022</strong> - Competition keyword<br />
‘LOOP’<br />
WIN<br />
2 X £150<br />
VOUCHERS TO<br />
SPEND ONLINE<br />
WITH LOOP<br />
CASHMERE!<br />
WIN<br />
A CANDY SMART<br />
WASHING<br />
MACHINE<br />
WORTH OVER<br />
£400!<br />
Looking for the perfect gift this Christmas?<br />
Delight your friends and family with a selection box of delicious<br />
treats. One lucky reader will win a ‘<strong>Dec</strong>adent Christmas in a<br />
Box’ containing the following:<br />
6kg Free Range Whole Turkey | 4.5kg Unsmoked Ham | 1kg<br />
Side of Smoked Salmon | 1kg Organic Cheddar | 1kg Cropwell<br />
Bishop Stilton | Christmas Pudding | Harrow & Hope Brut<br />
Reserve (750ml bottle) | Classic Cranberry Sauce | Granny’s<br />
Apple Chutney | Artisan Coronation Sauce | British Goose<br />
Fat | Luxury Bread Sauce | Traditional Roast Gravy | Sage &<br />
Onion Stuffing | Pigs In Blankets | 200g Smoked Chicken 200g<br />
Smoked Duck.<br />
www.copasturkeys.co.uk<br />
Closes 09/12/<strong>2022</strong> - Competition keyword ‘COPAS’<br />
Discover the amazing<br />
underwater world of the<br />
SEA LIFE Aquariums<br />
at one of the 11<br />
locations throughout<br />
WIN<br />
4 X TICKETS<br />
TO ANY SEA<br />
LIFE CENTRE!<br />
WIN<br />
CHRISTMAS IN<br />
A BOX WORTH<br />
OVER £400<br />
WITH COPAS<br />
TURKEYS!<br />
the UK and Ireland.<br />
Are you a Shark lover, a<br />
Humboldt Penguin fan, or<br />
a clownfish fanatic? At SEA<br />
LIFE you can see them all - from<br />
the curious and the rescued to the rare and the enigmatic. Every<br />
SEA LIFE is unique, and so are its creatures – a visit here will get<br />
you closer to the oceans than ever before.<br />
There are 11 SEA LIFE centres where the prize can be redeemed;<br />
London, Birmingham, Great Yarmouth, Loch Lomond,<br />
Blackpool, Brighton, Manchester, Scarborough, Hunstanton,<br />
Weymouth and Bray. Three lucky readers will win 4x tickets.<br />
www.merlinannualpass.co.uk<br />
Closes 19/12/<strong>2022</strong> - Competition keywords: ‘SEA LIFE’<br />
4 | www.banburyliving.co.uk
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19th March <strong>2023</strong><br />
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6 | www.banburyliving.co.uk
www.banburyliving.co.uk | 7
HOW THE UK OFFERS THE<br />
BEST IN WORLD BOARDING<br />
FOR STUDENTS<br />
There are boarding schools on every continent<br />
on the planet (apart from the one with lots of<br />
snow and penguins!). Yet for all the sector’s<br />
global spread, the oldest, most diverse and<br />
choice-rich land of boarding is the UK.<br />
Incredibly, the world’s oldest boarding<br />
school began accepting boarding<br />
students in the year 597, less than 200<br />
years after the fall of Rome and more<br />
than 1100 years before the American<br />
<strong>Dec</strong>laration of Independence.<br />
More than 1400 years on, the UK is still a<br />
place where boarding continues to evolve<br />
with two brand new, government-funded<br />
boarding schools opening within the last<br />
decade and one independent school<br />
in the heart of London recently adding<br />
boarding for the first time.<br />
The diversity of UK boarding is not just a<br />
marketing strapline. Geographically, UK<br />
boarding can be found as far north as<br />
the Shetland Islands, just 50 miles from<br />
Norway and as far south as the Isles of<br />
Scilly, 28 miles south of Cornwall.<br />
Parents are spoilt for choice with<br />
boarding schools that are independent,<br />
state run, single sex, co-educational,<br />
academic, all-round, faith, arts,<br />
drama and music focused – or myriad<br />
combinations in between.<br />
Size-wise, the smallest UK boarding<br />
school has just one student while the<br />
largest has more than 1300. The average<br />
UK boarding school has around 150<br />
boarders, although there are many that<br />
have fewer with around 30 that have<br />
more than 500.<br />
There are around 70,000 boarding<br />
students at UK schools including more<br />
than 25,000 from dozens of countries<br />
across the world – a reflection of the<br />
continuing very high demand from<br />
parents to access the UK’s widely<br />
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Some of this demand is about ensuring<br />
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institutions with four universities currently<br />
in the world’s top 10 (Cambridge alone<br />
has gained more than 120 Nobel prizes,<br />
nearly 50 more than the whole of<br />
France!).<br />
Aside from excellent academic teaching<br />
and learning, the popularity of boarding at<br />
schools in the UK is driven by the unique<br />
opportunities it offers young people from<br />
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Boarding school is all about learning to<br />
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on your own two feet.<br />
All UK boarding schools monitor closely<br />
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to their boarding experience.<br />
Much of this independence and<br />
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For parents searching for boarding<br />
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Association (BSA) and BSA Group
An Independent Day and Boarding School<br />
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10 | www.banburyliving.co.uk
FESTIVE<br />
Not a fan of traditional Christmas pudding or<br />
Fancies<br />
feel like shaking it up this year? Here are some<br />
amazing desserts that are every bit as festive...<br />
STICKY DATE PUDDINGS<br />
Preparation time: 25 minutes<br />
Cooking time: 35 minutes<br />
Serves: 8<br />
INGREDIENTS<br />
175g unsalted butter, softened, plus extra<br />
for greasing<br />
80g light brown muscovado sugar<br />
6 Waitrose Medjool Dates, pitted and<br />
finely chopped<br />
3 British Blacktail Free Range Medium<br />
Eggs<br />
2 tbsp treacle<br />
175g self-raising flour<br />
1 tsp baking powder<br />
1 heaped tsp mixed spice<br />
½ tsp fine sea salt<br />
2 tbsp whole milk<br />
STICKY DATE SAUCE<br />
40g unsalted butter<br />
3 Waitrose Medjool Dates, pitted and<br />
finely chopped<br />
125g light brown muscovado sugar<br />
250ml double cream, plus extra to serve<br />
METHOD<br />
For the puddings, preheat the oven<br />
to 180ºC, gas mark 4. Lightly grease<br />
8 mini pudding moulds (each about<br />
175ml in volume), put a small circle<br />
of baking parchment in the base of<br />
each, then sit them in a large, deep-sided<br />
roasting tin.<br />
Boil the kettle. In a large bowl, using<br />
electric beaters, cream the butter, sugar<br />
and dates for 2-3 minutes until light<br />
and fluffy. Beat in the eggs and then the<br />
treacle. Lightly beat in the flour, baking<br />
powder, mixed spice and salt, then<br />
loosen the mixture with the milk. Divide<br />
the mixture evenly between the moulds;<br />
it should fill them about halfway.<br />
Pour a kettle of just-boiled water into<br />
the roasting tin so the water sits about<br />
halfway up the outside of the moulds.<br />
Cover the top<br />
of the<br />
tin with 3 layers of large pleated sheets<br />
of tin foil, ensuring the foil is tightly<br />
sealed around the edges (you don’t want<br />
steam to escape as the puddings won’t<br />
rise). Bake for 30 minutes until risen and<br />
springy.<br />
To make the sauce, put the butter, dates<br />
and sugar in a saucepan and set over<br />
a low heat. Add a pinch of salt and<br />
stir occasionally until the sugar has<br />
dissolved. Stir in the double cream until<br />
combined; keep warm.<br />
Remove the foil and carefully release the<br />
side of the puddings from the moulds<br />
using a small, sharp knife. Invert onto<br />
plates and pour over the sticky date<br />
sauce, adding a little extra whipped<br />
cream, if liked.<br />
All recipes and images courtesy of<br />
Waitrose. You can find thousands more<br />
recipes at www.waitrose.com/recipes<br />
12 | www.banburyliving.co.uk
Situated just outside Shipston on Stour, The Kitchen at Feldon Valley is open for<br />
dinner and Sunday Lunch every week. Inspired by the fresh, seasonal ingredients<br />
from our local four counties growers and producers, Victoria Hamilton delivers<br />
a menu to impress and a restaurant that stands out in the area. Help support a<br />
growing local business and book your table today – everyone is welcome.<br />
Dinner is served from 18:00 to 20:30 – Bar open until late.<br />
Sunday Lunch is served from 12:00 to 16:00<br />
Feldon Valley is a Cotswold destination that offers not only great food in a<br />
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Contact us for more information.<br />
THE KITCHEN AT FELDON VALLEY<br />
Feldon Valley - Sutton Lane - Lower Brailes - OX155BB<br />
01608 685 633 - thekitchen@feldonvalley.co.uk<br />
www.feldonvalley.co.uk
CHOCOLATE &<br />
HAZELNUT<br />
SNOWFLAKE<br />
Preparation<br />
time: 25<br />
minutes +<br />
chilling<br />
Cooking time: 35<br />
minutes<br />
Serves: 8<br />
INGREDIENTS<br />
2 x 320g packs Jus-Rol Puff Pastry<br />
Sheet<br />
100g hazelnut chocolate spread<br />
50g chopped roasted hazelnuts<br />
1 British Blacktail Free Range Medium<br />
Egg, lightly beaten<br />
Icing sugar, for dusting<br />
METHOD<br />
Unroll both of the pastry sheets and<br />
cut a 20-22cm circle from each (save<br />
the offcuts to make tarts, cheese twists<br />
or palmiers). Put one pastry circle on a<br />
sheet of baking parchment and cover<br />
one side evenly with hazelnut chocolate<br />
spread. Sprinkle over ½ the hazelnuts,<br />
leaving a 1cm border around the edge.<br />
Put the second pastry circle on top,<br />
14 | www.banburyliving.co.uk<br />
pressing<br />
lightly around<br />
the border to seal.<br />
Put the lid of a small jar (about<br />
4-5cm in diameter) in the centre of<br />
the pastry (so you don’t cut through it),<br />
then use a sharp knife to cut the pastry<br />
into quarters (excluding the central<br />
circle). Cut down the centre of each<br />
quarter and then repeat. You should have<br />
16 equal strips of pastry attached to the<br />
centre.<br />
Take 2 strips next to each other and twist<br />
them away from each other 3 times.<br />
Press the ends together in a point, to<br />
seal. Repeat all the way around the<br />
circle – you should now have 8 snowflake<br />
‘arms’. Slide the snowflake, on its<br />
parchment,<br />
onto a baking<br />
sheet; chill for<br />
30 minutes. 4<br />
Preheat the oven<br />
to 200ºC, gas<br />
mark 6.<br />
Lightly brush the<br />
egg all over the top of<br />
the snowflake. Bake for 30-35<br />
minutes until golden and puffed up. Allow<br />
to cool, then dust with icing sugar and<br />
sprinkle over the remaining hazelnuts to<br />
serve.<br />
COOK’S TIP<br />
If at any point while making the<br />
snowflake the pastry becomes<br />
soft or difficult to work with, put<br />
it in the fridge for 15 minutes to<br />
cool and firm up.
VEGAN CHOCOLATE &<br />
COCONUT CARAMEL POTS<br />
Preparation time: 30 minutes + chilling<br />
Cooking time: 15 minutes<br />
Makes: 4<br />
INGREDIENTS<br />
200ml pouch coconut milk<br />
2 pitted medjool dates, roughly chopped<br />
1 tsp vanilla bean paste<br />
100g vegan dark chocolate (such as Raw<br />
Halo Dark 85%), finely chopped<br />
250ml pack Oatly Whippable Creamy Oat<br />
1 tbsp maple syrup<br />
Raw vegan cacao powder, for dusting<br />
METHOD<br />
Put the coconut milk, dates and vanilla<br />
in a blender and whizz until smooth. Tip<br />
into a small pan and bring to the boil.<br />
Simmer vigorously, stirring regularly for<br />
10 minutes until thick and reduced by<br />
half. Divide between 4 small glasses and<br />
set aside to cool, then cover and chill for<br />
at least 1 hour.<br />
When the coconut caramel has chilled,<br />
put the chocolate in a medium mixing<br />
bowl. In a small pan, heat 100ml<br />
whippable creamy oat and the maple<br />
syrup to just before boiling. Take off the<br />
heat and pour over the chocolate in the<br />
bowl. Leave to melt for 1 minute, then stir<br />
until smooth.<br />
Put the remaining 150ml whippable<br />
creamy oat in another mixing bowl and<br />
use electric beaters to whisk to soft<br />
peaks. Set aside 2 tbsp to garnish, then<br />
fold the rest into the melted chocolate.<br />
Spoon into the glasses on top of the<br />
coconut caramel. Serve with a dollop<br />
of the whipped creamy oat and a<br />
dusting of cacao. These are best served<br />
immediately, but can be covered and<br />
chilled for up to 30 minutes.<br />
COOK’S TIP<br />
Make a double batch of the<br />
caramel, then cover and store<br />
in the fridge for up to 3 days.<br />
It’s particularly delicious<br />
spooned over baked apples.<br />
www.banburyliving.co.uk | 15
IRISH<br />
CREAM<br />
FUDGE<br />
Preparation time: 20 minutes +<br />
cooling + chilling<br />
Cooking time: 25 minutes<br />
Makes: Makes about 30 pieces<br />
MAKES A<br />
LOVELY<br />
GIFT<br />
INGREDIENTS<br />
397g can condensed milk<br />
150ml whole milk<br />
425g light brown soft sugar<br />
115g unsalted butter<br />
100ml Baileys The Original Irish<br />
Cream<br />
Large pinch of salt<br />
100g dark chocolate (70% cocoa<br />
solids), chopped<br />
METHOD<br />
Line a 20cm x 20cm baking tin<br />
with parchment. Put the milks,<br />
sugar and butter in a large,<br />
nonstick saucepan and warm<br />
over a medium heat, stirring<br />
occasionally, until the sugar<br />
has dissolved. Put a sugar<br />
thermometer in the pan and turn<br />
up the heat a little, bringing the<br />
mixture to a moderate bubble.<br />
Stir continuously until the<br />
thermometer reaches 113-115ºC<br />
or ‘soft-ball stage’ (this should<br />
take about 15 minutes). Take the<br />
pan off the heat and set aside for<br />
5 minutes.<br />
Stir the Irish cream and salt into<br />
the mixture. Using electric beaters<br />
set to a medium speed, beat for<br />
about 10 minutes until you have<br />
a thick mixture that’s starting to<br />
come away from the sides of the<br />
pan. (You can also do this with a<br />
wooden spoon, beating for about<br />
15 minutes.) Tip the mixture into<br />
the lined tin, spreading it out<br />
evenly. Cool to room temperature,<br />
then cover and chill for 1 hour.<br />
Melt the chocolate in a bowl set<br />
over a pan of gently simmering<br />
water, stirring until smooth.<br />
Meanwhile, put a large sheet of<br />
baking parchment on the work<br />
surface. Turn out the fudge and<br />
trim the edges to neaten, then cut<br />
into squares about 3cm x 3cm.<br />
Dip ½ of each square of fudge in<br />
the chocolate. Leave to set on the<br />
parchment, chilling again briefly<br />
if needed.<br />
16 | www.banburyliving.co.uk
THE<br />
VERY MERRY<br />
GIFT<br />
GUIDE<br />
PERFECT PRESENTS<br />
FOR EVERYONE ON<br />
YOUR LIST<br />
Easy to use, handheld appliances are<br />
a game changer, and they don’t come<br />
better than KitchenAid, 6-Speed Hand<br />
Mixer with Flex Edge Beaters, £119,<br />
kitchenaid.co.uk<br />
Upgrade<br />
tatty old slippers<br />
for these stylish<br />
moccasins,<br />
Fielding<br />
3 Suede<br />
Slippers, £49,<br />
moshulu.co.uk<br />
Support his fitness<br />
goals in <strong>2023</strong> - get<br />
better results from any<br />
workout routine with<br />
the thin, lightweight<br />
fitness smartwatch<br />
that includes a<br />
6-month Premium<br />
membership, Fitbit<br />
Versa 4, £199.99, fitbit.<br />
com<br />
gifts for<br />
HIM<br />
Beautiful pieces for your festive table - we love the<br />
platters and mugs in this simple, glorious collection.<br />
Sophie Conran Mistletoe Round<br />
Platter, £41 and Set of 2 Mugs,<br />
£31.50, portmeirion.co.uk<br />
Let the pub come to you with our Pub<br />
in a Box, full of Devon cider and<br />
snacks, Pub In A Box, £20.99,<br />
sandfordorchards.co.uk<br />
Slip into cosy luxury with<br />
cashmere socks<br />
- with the option<br />
to monogram,<br />
Tabitha, Ribbed<br />
Cashmere<br />
Socks, £34.50,<br />
pantherella.com<br />
gifts for<br />
HER<br />
Beautiful puzzles - featuring shaped puzzle<br />
pieces, called whimsies, designed to match<br />
the theme of the image for an entertaining<br />
experience, ‘The Jumper’ Wooden Puzzle, 250<br />
pieces from £32, wentworthpuzzles.com<br />
The whole family can match in luxury organic<br />
cotton PJs, from £28 polarnopyret.co.uk<br />
Help her soothe her skin and<br />
soul with this collection - a<br />
candle, bath and body oil and<br />
a decadent overnight hydration<br />
therapy, ESPA Soothing<br />
Collection, £45 (worth £53),<br />
espaskincare.com<br />
Look chic anywhere with<br />
Silhouette’s signature, flattering<br />
sunglasses, Fuschl, £265,<br />
silhouette.com<br />
Stylish, comfortable bikes<br />
to hop around town,<br />
Brownie 7 Dutch Bike,<br />
£549, bobbinbikes.com<br />
Luxuriously soft cashmere with subtle<br />
detailing, Lofty Cashmere Batwing Sweater<br />
in Birch, £199, loopcashmere.co.uk<br />
www.banburyliving.co.uk | 17
For the Harry Potter fans, these<br />
velour Hedwig PJs are a cosy<br />
treat, Hedwig Pyjamas, £20,<br />
marksandspencer.com<br />
The perfect snuggle suit for<br />
Christmas lounging, made<br />
in super soft organic cotton,<br />
Big Character Snuggle Suit,<br />
£44, welovefrugi.com<br />
gifts for<br />
KIDS<br />
A children’s<br />
favourite made<br />
easy to listen to through<br />
the ingenious Tonies<br />
box, Tonies Snail and<br />
the Whale, £14.99,<br />
tonies.com<br />
Challenge them with a 1500<br />
piece puzzle, Ravensburger<br />
Pokémon 1500pcs puzzle, £18.99,<br />
ravensburger.co.uk<br />
The cutest Christmas<br />
jumpers, Jolly<br />
Knitted Jumper, £38,<br />
welovefrugi.com<br />
An amazing 60 hole automatic<br />
bubble launcher. Charge it up, dip<br />
it into the bubble solution provided,<br />
aim, pull the trigger and watch<br />
thousands of bubbles emerge,<br />
Bubble Gun Extreme, £39.99<br />
thumbsup.com<br />
gifts for<br />
FOODIES<br />
(& DRINKERS!)<br />
Take the guesswork out of cooking<br />
meat with the Meater - it connects<br />
to your phone for accurate cooking<br />
every time. MEATER Plus With<br />
Bluetooth® Repeater, £119,<br />
store-uk.meater.com<br />
The ultimate gift for a truffle<br />
lover! This signature box includes<br />
delicious 200ml White Truffle Oil,<br />
190g Ultimate Truffle Mayo, 22g<br />
Royal Truffle Ketchup, 100ml<br />
Seriously Addictive White Truffle<br />
Hot Sauce, 90g Gourmet Truffle<br />
Honey & 65g Signature Truffle Dust.<br />
Truffle Guys Signature Selection<br />
Box, £89.95, truffleguysuk.com<br />
Inspired by the Norfolk<br />
coastline, Coastal gin has<br />
a delicate, salty influence<br />
complemented by bright<br />
citrus flavours. We also love<br />
their eco-friendly refill packs.<br />
Bullards Coastal Gin, £40,<br />
bullardsspirits.co.uk<br />
Baking kits with a festive flair, Christmas<br />
Macaron Kit, £18, honeywellbakes.com<br />
No Christmas Day feast is complete without these merry condiments, including<br />
Christmas Spice Chutney, which contains a host of festive spices, and our<br />
Cranberry, Port & Orange Sauce, which cuts through rich meats like<br />
turkey and goose with its tingling tartness. The Festive Four Gift Pack,<br />
£14.15, tracklements.co.uk<br />
18 | www.banburyliving.co.uk
Know someone who started a business in lockdown<br />
and could use some kit to elevate their work?<br />
Thermal printers don’t use any ink and can print onto<br />
different shaped labels. Zebra are market leaders<br />
and their products are great quality with lots of label<br />
size options, to help with everything from pricing to<br />
branding, Zebra 2-inch, £99 or 4-inch £189, ZSB<br />
Thermal Printer, amazon.co.uk<br />
gifts for<br />
THAT PERSON<br />
WITH<br />
EVERYTHING<br />
Cleverly created to<br />
diffuse our 100% natural<br />
Essential Oil Blends at the<br />
touch of a button, the Neom<br />
Wellbeing Pod not only scents<br />
any space within minutes, but it also<br />
works to boost your wellbeing too -<br />
check our Neom’s scent packages<br />
featuring the highest quality essential<br />
oil blends to promote good mood,<br />
sleep, relaxation and more, Real<br />
Luxury Pod Starter Pack, £115,<br />
neomorganics.com<br />
Greenery is always a<br />
welcome gift - especially<br />
to lift the spirits in the<br />
gloomier winter months.<br />
We love Bunches’ flower<br />
subscriptions too<br />
Large Monstera, £48.30,<br />
bunches.co.uk<br />
Never lose a wallet again with<br />
this handy device - Apple<br />
Find My network locates your<br />
missing item Chipolo CARD<br />
Spot, £30, chipolo.net/en<br />
Get purrfect shots of your<br />
cat with this clip on - attach<br />
to any smartphone and use<br />
the fluffy pompom to help<br />
you to capture your cat’s<br />
attention at selfie time.<br />
Kikkerland Kitty Phone Clip,<br />
£12, urbanoutfitters.com<br />
Say goodbye to chaotic poop bags<br />
and squished treats in your pockets...<br />
and say hello to Westley - a brand<br />
of thoughtfully designed harnesses<br />
and accessories, Dog<br />
Walking Bum Bag,<br />
£30, and Harness £32,<br />
wearewestley.com<br />
gifts for<br />
PETS<br />
(and pet lovers)<br />
These two black cats<br />
and their sparkly collar<br />
look exquisite and will<br />
draw all the attention<br />
to you whenever they<br />
dangle off your ears.<br />
Lucky Paws Black<br />
Cat Earrings, £18,<br />
vendulalondon.com<br />
Named after its deep, cosy sides and deep-filled luxury<br />
mattress which give the bed a den-like feel, the Deeply Dishy<br />
Bed is perfect for hunkering down in, from £145, charleychau.com<br />
www.banburyliving.co.uk | 19
THE HOME MOVING<br />
Guide<br />
WE WENT TO THE EXPERTS AT THE HOME<br />
OWNERS ALLIANCE TO FIND OUT ABOUT<br />
THE HOT TOPICS IN THE HOUSING MARKET<br />
WHY AVOID THE<br />
BUSIEST DAY TO<br />
MOVE?<br />
While it may seem sensible to move on<br />
a Friday, moving at the same time as<br />
large swathes of other people can put<br />
pressure on the professionals helping<br />
you move, which can mean a greater<br />
risk of delays.<br />
Of course delays can occur at any time,<br />
but on the last Friday of the month, it is<br />
also peak time for conveyancing fraud<br />
and you will need to pay more for a<br />
removal company. If there are delays in<br />
transferring funds at completion, you may<br />
have to spend the weekend in a hotel or<br />
on a friend’s sofa.<br />
For those reasons, moving on the busiest<br />
day of the year isn’t for the faint-hearted,<br />
especially with the August bank holiday<br />
also happening that week, pushing more<br />
moves onto the remaining four days.<br />
Tips on avoiding moving day delays<br />
Suggest a mid-week move to all in your<br />
chain pointing out the potential downfall<br />
of choosing to move on a busy day like<br />
Friday. Savings are possible, for example,<br />
removals firms may offer mid-week<br />
deals on prices. See our guide to house<br />
removals costs at hoa.org.uk/advice<br />
Book the removals firm. Make sure<br />
everyone in the chain knows you’re<br />
working towards that date and book<br />
your removals firm well in advance, so<br />
you only need to confirm as soon as you<br />
exchange. It’s best to ask them to come<br />
to your house to assess the volume of<br />
your belongings. This ensures you have<br />
the right sized van and number of team<br />
members on the day of your move.<br />
Choose a removals firm you trust and<br />
have rapport with.<br />
Talk through what would happen if a<br />
delay occurred. For example, do they<br />
have emergency storage if needed?<br />
HOW TO ADD VALUE<br />
TO YOUR HOME<br />
Significant home improvements are<br />
expensive, so it’s important to consider<br />
how your plans will add value to<br />
your home. More and more of us are<br />
choosing to improve rather than move.<br />
So, here are 10 ways to make your<br />
property better to live in, in a way that<br />
can also add value to your home.<br />
If you have lots of plans for home<br />
improvements, it makes sense to focus<br />
on projects that will also add value. That<br />
way what you spend now will be reflected<br />
in the price of your property when you<br />
sell. But what adds value to a house?<br />
We asked over 300 members of the<br />
Federation of Master Builders (FMB) and<br />
estate agent members of the Guild of<br />
Property Professionals which projects<br />
will add value to your house. Here’s what<br />
they said.<br />
1. Knock down a wall for open plan or<br />
broken plan living<br />
Our research found that removing an<br />
internal wall to create an open plan<br />
kitchen and diner was the best way to<br />
add value to your home.<br />
Not only will this add value to your home,<br />
it should also make it more pleasant to<br />
live in, with more and more of us opting<br />
for open-plan living. Knocking down walls<br />
means more communal spaces where<br />
families can enjoy quality time together,<br />
whether that’s chatting while dinner is<br />
cooked or keeping an eye on kids while<br />
they do their homework.<br />
Best of all, this is a relatively simple<br />
project that most builders can complete<br />
in under a week.<br />
2. Build a garden room<br />
Another option is to add another living<br />
space outside. With so many more of<br />
us working from home, it is great to<br />
delineate living and working space and<br />
claw back that guest bedroom but having<br />
a dedicated office. Or it could be used<br />
as a gym!<br />
3. Spruce up your kitchen<br />
A new kitchen isn’t just a treat for you,<br />
it can also significantly boost the value<br />
of your home. Putting in a new worktop,<br />
cabinet doors or floor doesn’t have to<br />
break the bank – it costs around £4,000<br />
on average. But, it could add £17,000<br />
to the value of a London property, or<br />
the FMB and The Guild of Property<br />
Professionals found it could add<br />
around £15,000 to the average home in<br />
Cambridgeshire.<br />
4. Create a downstairs loo<br />
A downstairs toilet is a big attraction<br />
to a variety of different buyers. Adding<br />
one will make your home attractive to<br />
young families with children, those that<br />
like entertaining and don’t want guests<br />
wandering upstairs, to older buyers who<br />
might be looking to future proof their<br />
homes.<br />
So, turning wasted space, such as an<br />
understairs cupboard into a loo can add<br />
value to your home. This is a great project<br />
if you have a limited budget because for<br />
20 | www.banburyliving.co.uk
only a relatively small outlay of around<br />
£1,500-£2,500 you could add around<br />
£26,000 to your home’s value, according<br />
to our research.<br />
5. Make way for an en suite<br />
Another way to add extra bathroom<br />
space is to carve some space out of your<br />
master bedroom to create an ensuite. The<br />
job should take around 11 days but could<br />
add £14,525 to the value of the average<br />
London home.<br />
6. Create a parking space<br />
We love green front gardens but if parking<br />
is at a premium in your neighbourhood,<br />
then paving over part of your front garden<br />
to create space for off road parking could<br />
significantly boost your home’s value. A<br />
parking space can add as much as 13%<br />
to the value of your home according to<br />
Direct Line.<br />
You’ll need to check with your local<br />
council to see if you need planning<br />
permission to do this. Usually, if your<br />
home isn’t on an A or B road you won’t<br />
need permission, but you will have<br />
to comply with your local authority’s<br />
regulations on dropping the kerb.<br />
7. Spruce up your back garden<br />
Gardens are often overlooked when<br />
property projects are concerned but<br />
ploughing some money into your green<br />
space can be rewarding. Our analysis<br />
found that adding decking and lighting<br />
to your back garden can really boost the<br />
asking price when a property goes on the<br />
market.<br />
8. <strong>Dec</strong>orate<br />
If you are planning to put your property<br />
on the market make sure you give it a<br />
fresh lick of paint first. Don’t understand<br />
the importance of kerb appeal by<br />
updating the exterior of your home.<br />
Getting professionals in could set you<br />
back around £1,000, but it could add<br />
£5,000 to your home’s value, according<br />
to property expert Phil Spencer.<br />
9. Convert your loft<br />
Homeowners looking to add floor space<br />
could significantly add value to their<br />
home.<br />
10. Get planning permission<br />
If you are preparing to sell your home<br />
and can’t afford a big project to boost the<br />
value, you could consider just getting the<br />
planning permission. Buyers are prepared<br />
to pay quite a premium to avoid the<br />
paperwork involved in an extension and<br />
to know red tape won’t stand in the way<br />
of their plans and allowing them to start<br />
works the minute they pick up the keys.<br />
Submitting a basic planning application<br />
costs up to £400 but could add as much<br />
as 10% to the value of your home,<br />
according to insurance firm Hamilton<br />
Fraser.<br />
Get help submitting an application from a<br />
local planning consultant.<br />
And finally, before you start, ask the<br />
experts<br />
Improving your home to make it more<br />
enjoyable is a benefit for you and your<br />
family today. Opting for a project that<br />
will also give you a big financial boost<br />
when you sell only adds to the benefits.<br />
However, if your primary aim is to add<br />
value to your home then you should<br />
consult an expert first to make sure you’ll<br />
get a return on your investment.<br />
Invite a few estate agents to value your<br />
property and ask them what they think<br />
will add the most value. The best local<br />
agents will be able to tell you what<br />
refurbishment projects other homes on<br />
your road have benefited from and how<br />
much value those projects added.<br />
www.hoa.org.uk<br />
www.banburyliving.co.uk | 21
2<br />
1<br />
4<br />
OCEAN HUES<br />
Echoing the reassuring and relaxing colour of the sea,<br />
aqua is set to be one of the hottest shades of the season.<br />
Opt in with larger pieces of furniture wrapped in<br />
oceanic hues, or make it easier to incorporate into an<br />
existing scheme with smaller accessory items.<br />
INTERIORS <strong>2023</strong><br />
It’s that time of year where we look at our spaces anew<br />
– here are our forecasts for some upcoming interior<br />
trends if you want to refresh your home.<br />
3<br />
ARCHES<br />
Arched doors are big news in extensions<br />
and renovations, and the gentle curves are<br />
softening the hardened edges that have<br />
proliferated for so long. Use as a motif if<br />
you’re decorating, or as a shape for windows<br />
and doors if you’re renovating.<br />
SOOTHING PASTELS<br />
While we might see a rise of deep and bold colors in <strong>2023</strong>,<br />
certain spaces still call for a level of zen—and this is where<br />
pastels come back in. Think eucalyptus, mid-level blues,<br />
soft pink and putty taupes.<br />
5<br />
GET THE LOOK<br />
1. Diamond Aqua Blanket,<br />
£55, weavergreen.com; 2. Blue<br />
Arches Ceramic Pot Cover,<br />
£24.99, giselagraham.co.uk; 3.<br />
Cliff & Ocean Art Print, £41.95,<br />
abstracthouse.com; 4. image<br />
© Studio McGee; 5. Eucalyptus<br />
No.92, victorycolours.co.uk; 6.<br />
Squishmeister Corner sofa £2845,<br />
loaf.com<br />
6
HAPPY SEWING!<br />
Keeping your sewing machines in tip<br />
top condition or ‘Tickety Boo’ is the<br />
goal of Jenny Feeney from Country<br />
Clover Company...<br />
Based at her workshop in <strong>Banbury</strong>, she<br />
is now offering servicing and repairs of<br />
sewing machines covering the local area.<br />
Jenny has been professionally teaching<br />
quilting since 2017 and with over 30<br />
years of experience quilting and sewing,<br />
she understands how important it is to<br />
keep your machine in good working<br />
order.<br />
As well as services and repairs, Jenny also offers machine<br />
maintenance courses to help you and your machine work at your best<br />
and helps you understanding more about your machine. Complete<br />
with a must-have tool kit for regular cleaning and a handy reference<br />
book included, the course is held at The Fat Quarter fabric shop which<br />
is also the machine drop-off location.<br />
So, if your sewing machine is not running at its best or due<br />
for its yearly servicing, pop along to the shop or for more<br />
information on machine services and upcoming courses,<br />
visit www.countryclovercompany.com or email Jenny on<br />
countryclovercompany@gmail.com<br />
Happy Sewing!<br />
ADVERTISING FEATURE<br />
MACHINE<br />
DROP-OFF POINT<br />
The Fat Quarter,<br />
Cherwell Business Village,<br />
<strong>Banbury</strong> OX16 2SP<br />
01295 981057<br />
www.thefatquarter.co.uk<br />
JENNY FEENEY<br />
<strong>Banbury</strong> 07706 731002 countryclovercompany@gmail.com<br />
www.countryclovercompany.com<br />
Maybe it’s time for a<br />
kitchen<br />
that makes you<br />
Smile?<br />
www.banburyliving.co.uk | 23
Bring the outside in<br />
As summer draws to a close, and you’ll<br />
spend less time outside. Now is the time to<br />
bring the outside in. Here are a few ways<br />
to style biophilic elements alongside your<br />
timeless Heritage furniture and ceramics.<br />
Getting Green<br />
Perhaps the most important element of<br />
‘bringing the outside in’ - plants! Whether<br />
you are a planting pro or a fake foliage<br />
fanatic, greenery is a wonderful way to<br />
brighten up your bathroom. Choose<br />
bathroom furniture which offers lots of<br />
space for succulents and sprawling ferns.<br />
Heritage’s Dorchester range, for instance,<br />
offers recessed basins which feature ample<br />
worktop space for all your planting needs.<br />
Reap the benefits of fragrant plants. Do<br />
you have a bouquet that is about to wilt?<br />
Sprinkle the flowers into a Wenlock double<br />
ended bath for a therapeutic bathe. Or<br />
for a more energising effect, hang some<br />
eucalyptus from your Hemsby shower and<br />
breathe in the invigorating oils.<br />
Make it rain<br />
Plants love a good shower almost as much<br />
as we do! Heritage’s unforgettable designer<br />
shower combinations, with the ability to mix<br />
and match valves, single or dual controls<br />
and the kit itself, allows you to create your<br />
perfect shower. With options like the sleek<br />
Hemsby shower, the classic Dawlish shower,<br />
or the luxurious Avenbury shower, your wash<br />
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Weave in some Wicker<br />
Wicker is a welcome addition to any<br />
bathroom trying to bring the outside in.<br />
This sustainable material is extremely<br />
complimentary and versatile. Pair it<br />
with any colour or shade and it will look<br />
both intentionally boho whilst also being<br />
exceptionally functional. Keep an eye out<br />
for wicker plant pots, laundry baskets and<br />
cupboard organisers, you’ll be sure to see<br />
them everywhere!<br />
Natural tones and Sandy Hues<br />
Perhaps the easiest way to add warmth<br />
to the bathroom is to opt for natural<br />
materials, like wood, slate and stone. You<br />
can easily welcome these elements in with<br />
simple additions like rustic wood shelving,<br />
botanical prints and bamboo accessories.<br />
Our fitted furniture worktops come in a<br />
variety of natural finishes such as oak,<br />
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acrylics. These natural finishes will bring the<br />
outside in and create a calm, comforting<br />
atmosphere. Alternatively, if texture isn’t<br />
for you, experiment with colour. An earthy<br />
palette with shades such as camel, taupe<br />
and mixed neutrals will make the space feel<br />
both effortlessly fresh and invitingly warm.<br />
Alternatively, green is an increasingly popular<br />
shade in bathrooms from emerald tiles to<br />
deep dark forest walls this colour makes a<br />
bold statement.<br />
Keep it Natural<br />
It’s all well and good embracing nature with<br />
design elements but you should also be<br />
making interior design choices that keep<br />
the environment in mind. Small eco-friendly<br />
choices can have such a large impact. For<br />
instance, opt for LED lighting instead of<br />
incandescent bulbs, they’re a much greener<br />
option and can save up to 90% less power,<br />
saving both money and energy. Additionally,<br />
LEDs can be hidden conveniently within<br />
bathroom furniture such as around mirrors<br />
and beneath vanities. Commonly LEDs<br />
have additional features such as dimming<br />
options and sometimes the ability to change<br />
colour. Elements like these will elevate your<br />
bathroom design, with the flick of a switch<br />
you could swap from bright white beauty<br />
lighting to dim yellow hues for relaxation.<br />
Pair warm calming hues with a deep slipper<br />
bath such as the Lynford and prepare for the<br />
ultimate sensory soak.<br />
However you bring the outside in,<br />
Heritage has something for you.<br />
Download our brochure now to start<br />
planning your dream bathroom and visit<br />
www.heritagebathrooms.com for more<br />
style inspo!
TREES MATTER<br />
In this edition, our regular contributor<br />
Matt Biggs gives us advice on where to start<br />
if you want to plant a tree...<br />
For thousands of years, we have appreciated<br />
trees, we have planted trees, we have written<br />
about trees, we have even worshipped trees.<br />
Even before we knew just how important they<br />
are to our environment, something within us<br />
recognized that trees matter.<br />
Now that we know so much more about what they contribute to<br />
our world and its wellbeing, there is no better time to plant a tree.<br />
There are so many options that the first task must be to decide<br />
what you want your tree for. Is it for structure within your garden,<br />
for shade, for visual impact? Might it be for fruit, to attract birds<br />
or just because it is your favourite tree!<br />
There are some great books on the subject, your local nursery or<br />
garden centre can give advice and radio and TV programmes are<br />
full of inspiration too, so do some research and choose your tree.<br />
Basic stuff but do look at the eventual height and spread of your<br />
tree – you might not see it when it is fully grown but you don’t<br />
want to cause problems for others and it is such a shame to have<br />
to remove a tree because it was in the wrong spot.<br />
Winter is a good time to plant, as long as the ground is frost<br />
free and not waterlogged; it is really important not to stint on<br />
the groundwork. Water the tree roots really well, even stand it in<br />
a bucket for an hour and make sure the hole is big enough – it<br />
needs to be three times as wide as the pot and the same depth.<br />
Fork the soil in the hole so that the roots can make their way<br />
easily as they develop, tease out the roots from the rootball and<br />
plant in a square hole. Use mychorrizal fungi to help the roots<br />
grow, and make sure when you place it in the hole the various<br />
aspects of it are where you want them – branches showing their<br />
‘best side’. When you refill the soil into the hole don’t leave any<br />
pockets of air, firm and water well and stake the tree if need be –<br />
all of this info is readily available to ensure that your tree has the<br />
best possible start in life. Do not plant trees too deeply, the soil<br />
level should be the same as it was in the pot.<br />
You can, of course also get the kids in on the act, acorns,<br />
conkers and tree seeds are so easily collected, pop them in a<br />
pot, labelling them so you know what is what, water and wait! It<br />
is so exciting to see that first green shoot and the tree and the<br />
child can grow together, how lovely!<br />
Whatever you plant and wherever you plant it, planting a tree is<br />
one of the most positive things you can do, for yourself and for<br />
future generations.<br />
To find out more about Matt visit his website<br />
matthewbiggs.com<br />
THE BEST<br />
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CHINESE<br />
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26 | www.banburyliving.co.uk
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www.banburyliving.co.uk | 27
the joys of<br />
RETIREMENT<br />
From keeping fit and healthy to making the mental<br />
adjustment, we’ve got all the tips you need to make the most<br />
of your new-found free time.<br />
DEVELOP A ROUTINE<br />
You may find it feels more normal to<br />
continue getting up, eating and going to<br />
bed at roughly the same time every day.<br />
Plan in regular activities such as voluntary<br />
work, exercise and hobbies. This will<br />
keep things interesting and give you a<br />
purpose.<br />
WIND DOWN GENTLY<br />
Ensure a smoother transition by retiring in<br />
stages. By easing off your workload over<br />
several years, you’ll be able to get used<br />
to the idea of not working and fill your<br />
time in other ways. Ask your employer if<br />
you can cut back your working hours.<br />
EXERCISE YOUR MIND<br />
Government studies have shown that<br />
learning in later years can help people<br />
stay independent, so use your free<br />
time to continue to challenge yourself<br />
mentally, whether it’s learning an<br />
instrument or a language or getting a<br />
qualification.<br />
KEEP PHYSICALLY ACTIVE<br />
We should all aim to do at least 150<br />
minutes of moderate-intensity physical<br />
activity a week, so build up to this if you<br />
haven’t made exercise a normal part of<br />
your life previously. Why not sign up for<br />
a charity event to give you a goal to work<br />
towards?<br />
SEEK SOCIAL SUPPORT<br />
For many people, work can form a big<br />
part of their social life and it’s common<br />
to feel at a bit of a loose end once you<br />
retire. Fill the gaps by joining clubs and<br />
groups.<br />
PAMPER YOURSELF<br />
After decades of hard work, you are due<br />
some ‘me time’. Whether your idea of<br />
indulgence is a city break, a day trip to a<br />
spa or a small pleasure like dining out or<br />
going to the cinema, schedule some time<br />
for a well-deserved treat.<br />
GET A NEW PET<br />
Could you house a rescue cat or dog<br />
in need of a new home? Research<br />
has shown that our furry friends have<br />
a positive effect on our health and<br />
wellbeing.<br />
According to pet researcher Allen R.<br />
McConnell, a professor of psychology at<br />
Miami University, people with pets are<br />
generally happier, more trusting, and less<br />
lonely than those who don’t have pets.<br />
They also visit the doctor less often for<br />
minor problems.<br />
To find out more about rehoming a pet,<br />
visit your local animal rescue centre,<br />
the RSPCA or Dogs Trust. If you might<br />
be interested in volunteering to walk or<br />
foster an elderly person’s dog, contact<br />
The Cinnamon Trust.<br />
PUSH YOUR BOUNDARIES<br />
It’s easy to get stuck in a rut, both healthwise<br />
and in general, and doing something<br />
different can be a refreshing change.<br />
Some people have found that simple<br />
changes, such as trying a tasty new<br />
recipe, finding a different hairdresser or<br />
joining an exercise class they haven’t done<br />
before gives them a new zest for life.<br />
GIVE BACK TO THE<br />
COMMUNITY<br />
Ever thought of volunteering? Perhaps<br />
you’d enjoy getting involved with your<br />
local youth club, animal rescue centre,<br />
environmental organisation or elderly<br />
support group.<br />
TRAVEL MORE<br />
Always dreamt of going on an aroundthe-world<br />
cruise, a wine-tasting trip<br />
through Italy, or a simple camping<br />
expedition in the Welsh valleys? Now you<br />
can finally make those long-held plans<br />
a reality, depending on your health and<br />
budget limitations.<br />
If longer trips aren’t practical, mini breaks<br />
may be a good alternative – or even days<br />
out to places you’ve never visited before.<br />
Edited from an article published for the<br />
British Heart Foundation - find more<br />
help and advice at www.bhf.org.uk<br />
28 | www.banburyliving.co.uk
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www.banburyliving.co.uk | 29
A PRACTICAL GUIDE TO<br />
BEREAVEMENT<br />
The emotional aspect of dealing with a<br />
bereavement – even one that was expected<br />
– can be devastating, but when you start<br />
thinking about the practicalities of what to<br />
do next it can become even more stressful<br />
and overwhelming. It can be very easy<br />
to over complicate the process and get<br />
lost on your journey - the experts at<br />
the Bereavement Advice Centre have<br />
compiled this extensive guide...<br />
The steps below outline the main areas<br />
you’ll need to cover from the day your<br />
loved one passes away to the day the<br />
estate administration is completed.<br />
STEP 1 – WHERE DO I START?<br />
During the first few hours after a loved<br />
one has died, it can be very difficult<br />
knowing what to do with yourself.<br />
Knowing where to begin and taking that<br />
first step can be the hardest bit. While<br />
you’re waiting to collect the official<br />
paperwork from the doctor or the hospital<br />
to register the death, there are a few<br />
things you can be getting on with if you<br />
want to.<br />
One of these is finding any paperwork<br />
which might detail, for example, whether<br />
there are specific funeral wishes or<br />
requests for organ/body donation, as<br />
these need to be identified very soon<br />
after the death. If you feel up to it you can<br />
also begin to call family and friends to let<br />
them know what’s happened.<br />
STEP 2 – REGISTERING THE DEATH<br />
With the exception of when the Coroner<br />
is involved you’ll usually be contacted<br />
by either the hospital or the deceased’s<br />
doctor to arrange collection of the<br />
Medical Certificate of Cause of Death<br />
(MCCD for short). You can then make<br />
an appointment with the Registrar to<br />
complete the official registration, it’s<br />
worth bearing in mind the death needs<br />
to be registered in the county where the<br />
person died, not where they lived.<br />
STEP 3 – MAKING THE FUNERAL<br />
ARRANGEMENTS<br />
It’s important to remember when you<br />
hand over the “Green Form” you are<br />
personally entering into the contract for<br />
payment with the Funeral Director.<br />
If you’ve found a Will or even a Letter<br />
of Wishes this might give you an idea<br />
about what your loved one wants for their<br />
funeral. This can be a relief for some as it<br />
takes some of the decisions out of their<br />
hands, but it can be a concern for others<br />
especially if there isn’t enough money or<br />
the requests are unrealistic. It’s important<br />
to understand that funeral wishes in a Will<br />
aren’t legally binding and don’t have to<br />
be followed if they’re not possible.<br />
STEP 4 – BUILDING A PICTURE OF<br />
THE ESTATE<br />
If you had Power of Attorney or managed<br />
the deceased’s finances you will probably<br />
have a clear picture of how the estate is<br />
put together. Alternatively the deceased<br />
may have been very organised, leaving<br />
you with a folder or filing cabinet<br />
containing all the information you’ll need<br />
to look after the estate.<br />
If you aren’t in this position don’t panic,<br />
it may take a bit more investigating but<br />
you will get there. Take some time to<br />
check through any paperwork for details<br />
of who they dealt with for banking and<br />
other matters. You’re only looking for<br />
a name – it doesn’t matter at this point<br />
whether accounts are open or closed. A<br />
starting point could be a debit or credit<br />
card in their purse or wallet, a bank<br />
statement, a utility bill or even a memory<br />
of a conversation about going to a certain<br />
bank or building society. It all helps.<br />
STEP 5 – LETTING EVERYONE KNOW<br />
There will probably be more people to tell<br />
about the death than you expect, and it<br />
can be hard to think of everyone.<br />
It can be helpful to make two lists, one<br />
for personal e.g. family/friends/work<br />
colleagues and another for professional<br />
e.g. financial organisations/insurance<br />
companies/family solicitor/accountant/<br />
financial advisor. You can then use the<br />
lists to make additional notes, which will<br />
help you keep track of what you have<br />
done and what is left.<br />
STEP 6 – WORKING OUT IF YOU<br />
NEED PROBATE<br />
It’s worth remembering that Probate is<br />
only needed in certain circumstances,<br />
not just because a Will hasn’t been<br />
made or because the total value of the<br />
whole estate seems high. There are<br />
different factors which make Probate<br />
a requirement, but in simple terms it is<br />
decided by the value of individual sole<br />
assets within a person’s estate. There are<br />
exceptions to this rule so call us and we<br />
can check for you.<br />
STEP 7 – THE FINAL STEP<br />
Once you’ve obtained Probate (if required)<br />
then you can arrange for any sole assets<br />
to be sold or transferred. Before you hand<br />
over anything to the beneficiaries you’ll<br />
need to make sure any debts are settled<br />
and Inheritance Tax has been paid.<br />
When you’re comfortable that all debts<br />
have been paid you can either:<br />
Follow the instructions in the Will to pay<br />
any Legatees/Beneficiaries OR Distribute<br />
the estate to the deceased’s relatives in<br />
line with inheritance laws called the Rules<br />
of Intestacy<br />
It’s really important that you keep clear<br />
records that show what money is coming<br />
in and out of the estate as this will give<br />
you a clear paper trail showing how the<br />
estate has been administered. You can<br />
then put these together with the Death<br />
Certificate, the Will (if there was one) and<br />
the Grant of Probate (if this was required)<br />
to form your estate accounts.<br />
Edited from an article published for<br />
the Bereavement Advice Centre, you<br />
can find more information and advice<br />
at bereavementadvice.org or call 0800<br />
634 9494.<br />
30 | www.banburyliving.co.uk
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Serving your family<br />
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www.banburyliving.co.uk | 31