The Biggest Challenges That Households Are Facing Right Now (And How You Can Meet Them) – It feels like we have all been through enough challenges over the last couple of years, doesn’t it? The one-two punch of 2020 and 2021 may not have delivered a knockout blow but it certainly left enough of us on the ropes and gasping for breath. Now that we have said goodbye to the summer and the days are getting shorter, it feels like we are all bracing ourselves for whatever is going to come next. We want to make sure that we are prepared.
As we look ahead to 2022, we can have something of a clearer idea of what kind of challenges we are going to be facing. Here are some of the ones that you need to be aware of.
Supply Shortages May Continue
Let’s start with an issue that is going to be at the forefront of a lot of people’s minds as we head into the festive season. The supply shortages across a whole range of different areas will not have escaped your notice this year. We have seen the news reports from the hospitality industry about the lack of workers and we have seen the news about the massive shortage of HGV drivers.
This has impacted almost every sector of business, and we have seen the empty supermarket shelves. Even crisps have been affected. The winter is stressful enough without the prospect of not being able to find what you need at Christmas, so it does make sense to start shopping now. Stay on top of news stories to see what might be in short supply and start working on some alternatives just in case you can’t lay your hands on the essentials.
The Job Market Is Still Unpredictable
There were a lot of people who found themselves out of work last year, and although things have bounced back in the job market since then, it is still awfully tough out there for an awful lot of people. Worrying about money is always going to keep you up at night, but the fact is that there are a lot of reasons to worry right now. We have all seen the news about rising energy costs and rising taxes, as well as the decisions that the government has made about universal credit. If you want to make sure that you are looking after your finances, getting organised is a very important step.
Do not panic and do not rush. Clear some time to sit down and understand where your money is getting spent and where you can start making some savings. If you feel that you need to look at pay day loans, then make sure that you do your research properly and use a trusted broker to find a loan that has conditions and interest rates that you can afford. Payday UK is fully authorised by the Financial Conduct Authority, and they work hard to provide a service that you can trust.
The Housing Market Is Still at A High
Over the course of the last year or so, a lot of us have been forced to take a long hard look at where we are living and ask some tough questions about whether we are happy with our homes. People who were spending huge sums of money on a tiny city centre home suddenly wondered if they might get more for their cash somewhere less metropolitan. The need to be near public transport or the motorway seemed less urgent when everyone was working from home and the commute was eliminated.
Speaking of working from home, everyone has found it hard to figure out what a healthy work-life balance looks like when your office is in your living room. Now, there is the added pressure that comes from being asked to return to the office. Do you try to negotiate a staggered return or a hybrid way of working, do you go with the flow, or do you hold firm on continuing to work remotely?
No matter whether you choose to head back in or to keep working at home, you need to be firm about drawing a line between your work life and your home life. Take a sick day if you need to even if you are still working from home. Set a time for logging on and clocking off every day and do not check your work messages after you have stopped for the day. Talk to your employer if you need some flexibility in your schedule and be sure to use your holiday days to properly unwind.