I am someone that absolutely loves and very much needs my sleep (just ask Mr Smith). In recent years this has been made much harder by 3 things – Kids, a snoring husband and restless nights on a springy tat mattress! Whilst I can’t do much about the first 2, the change of our mattress to a Simba Hybrid, has made a world of difference to how well I sleep!

When we were first married I slept very well – we had at that time a lovely memory foam topped mattress that brought me sheer comfort every night, but when that reached the end of it’s life during Mr Smith’s final year at University, we could only afford to buy a cheapo one from Gumtree (of all places)! Of course there was no shopping around, no testing out, no reading reviews – it was an essential and it was cheap, so it was a done deal! After the first night we knew exactly why it was so cheap and vowed that we would never scrimp again on a mattress!

You can then only imagine how much I leapt for joy when Simba came to the rescue and asked us to review one of their Hybrid King Size mattresses. The Simba Hybrid is like no other – With a unique combination of 2,500 conical pocket springs, responsive memory foam, a “simbatex” layer, a perfectly engineered support base and a temperature control hypoallergenic airflow sleep surface, it is 5 luxurious layers designed to fit you and help you get the quality of sleep you’ve been dreaming of.

Together these 5 layers provide freshness and comfort, cool and gentle support, and it’s engineered support base has 7 different zones to ensure a perfect night’s sleep for all. The Visco memory foam moulds expertly to your body shape and it’s basically like a mattress that is tailor made for you. Whatever position you choose to sleep in, this mattress is engineered to offer optimum comfort and a fab nights sleep like never before!

Its complete luxury (and yet very affordable) and was just what our bed and lives needed!

The Mattress came in what I would consider a small box for a King size mattress!! I stood there in amazement wondering how the heck a King Size mattress had fit in there and why was it even in a box? Little did I know the surprise that Simba had in store for us!

Once you have taken it out of it’s little box, Simba needs time to settle into it’s new home. We removed all of the cellophane, laid it on the bed, and then the magic happens! The Simba Mattress begins to expand and settle – its all rather fascinating really! Within minutes you have an inviting mattress sat looking at you, and beckoning you to jump on. And then, a few hours later it is settled and ready to use, and you begin to see what all the hype is about.

100 night sleep trial and a fab warrenty

I don’t need 100 nights to tell you that this mattress is not just good, but absolutely blooming fantastic!

But if you aren’t sold by the end of this post, then know that Simba not only make a wonderful mattresses, but they offer you 100 nights to to make sure the mattress is just right for you. If then you are not 100% happy with it for any reason during the 100 day sleep trial, they will arrange a free pickup of your mattress and fully refund you the cost of your purchase – no questions asked.

I also love that Simba offer an amazing warranty too which is something else we love about them as a company. Every Simba mattress comes with a 10 year guarantee and if your mattress fails during the 10 year warranty period, they’ll exchange it for a brand new one.

Our Verdict

We have had the mattress now for almost 3 weeks and are sleeping in absolute luxury – It has turned our master bedroom into a haven of happiness!

During these last few weeks one of the biggest things we have noticed is that we barely feel one another turning over or moving around. This is because of the Simba Hybrid’s flexible zoned base and unique patented springs, that respond individually to each sleeper so that your movement doesn’t affect your partner, and as a result we are sleeping incredibly well. One night last week Nath brought Alice into the bed, and again I didn’t even feel or notice her presence as I would normally do, instead I slept right through!

The mattress is medium to firm and I love it. It offers great support for both of our backs, and I definitely have noticed a difference on my hips. They have been achy since having kids and if I walk a lot during the day, I really feel it at night. The Simba Hybrid offers instant support and on busy days especially, I can’t wait to hop (or rather crawl) into my new dreamy bed!

We are both side sleepers and I especially have noticed that once in position, I barely move all night. I sleep well, in a deep long sleep and wake up feeling way less achy and groggy than I did with our old mattress! I found after the first week my body felt better, and now 3 weeks on I have noticed I feel really rejuvenated every day. I wake up feeling rested, even if I have gone to bed late! It certainly proves to give quality sleep to us both!

So in a nutshell – We basically sleep a hundred times better on the Simba Hybrid Mattress than we were doing – even with 3 kids in the mix!

I can’t get enough of my bed now! It is optimum comfort to sleep in, so comfortable to work from (yes I am writing write now from it!) and watch movies in, and I love how you just sink into it and feel instantly happy and at ease! We both love it, and I could quite easily spend my whole day in bed. Some afternoons I have a sneaky lay on it, just because it feels THAT nice!

Sleep (and the quality of it) affects so much of our lives. If I am tired, I am grumpy – I feel sluggish and achy, and generally have a miserable day! I need my sleep and our new Simba Hybrid is ensuring that that is attained on a level I haven’t experienced in years! Having this dream of mattress means I am able to sleep wonderfully and spring out of bed in the morning ready to face whatever the kids are throwing my way! As the young people of today would say – It’s “on point”!

How about £75 off your Simba purchase? 

Simba believe that if everybody was a little more rested, the world would be a very different place. Happier, healthier, more productive and better decisions would be made. They are re-imagining every aspect of the sleep experience one bed at a time and would love to offer all of my readers a hearty £75 of their purchase of a Simba Hybrid Mattress! Simply click the link, and look forward to an amazing nights sleep for less ———-> GIVE ME £75 OFF MY SIMBA

* We are working with Simba in an affiliate partnership and were sent the Simba Hybrid complimentary in return for both a review and social media work. Thank you Simba for such luxury – All pictures are my own! 

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Reverse mortgages are widely advertised as excellent options for retirees needing more money. Whilst this isn’t a stage that we are in as yet,they are a way you can use the value of your home to support you financially and make you more comfortable when your income is reduced, as it often is in retirement, and so is something to consider.

Here are the points to note about reverse mortgages before you decide whether you want one or not and if it is right for you.

How Reverse Mortgages Can Help You When Other Mortgages Cannot

You may be wondering why reverse mortgages are advantageous versus typical mortgages? Well the most obvious reason is that a traditional mortgage will add to your monthly financial stress instead of relieving it. Since you do not have to pay a reverse mortgage back at all right away, such monthly stress can be avoided later in life. In fact, reverse mortgages have been specifically developed to help you make your golden years of retirement financially easier, not more stressful.

Another way reverse mortgages can help you where other mortgages cannot is ff you are worried about the possibility of defaulting. Additionally, you can default on a traditional mortgage if you are unable to meet your monthly payment obligations. You cannot default on a reverse mortgage in that manner. In fact, leaving your home is not possible if you have a reverse mortgage because doing so will trigger the full balance to be due.

Reverse Mortgage Fund Collection Options to Consider

Another benefit of signing up for a reverse mortgage is you can choose how to collect your funds. Options include recurring payments, a single large payment or a home equity line of credit. The latter will allow you to draw money from the equity in your home as needed up to a certain cap. That cap will be defined by your reverse mortgage lender. It will be based on a calculated portion of your home’s total home equity at the time of your application.

When You Have to Pay Your Reverse Mortgage Balance

A reverse mortgage is designed to be paid back well into the future. It has no immediate repayment requirement. However, the agreement will be voided if you stop living in your home for a period of one year or longer. Therefore, you are free to enjoy an extended vacation during your retirement or visit loved ones as you see fit. If you become ill and need to be hospitalized you will also be protected from immediate default by the 12-month grace period.

What You Need to Get a Reverse Mortgage

In order to get a reverse mortgage you need to be a homeowner. You also must have a home that is worth enough to borrow against, and you can easily calculate the exact amounts using a mortgage calculator that many lenders offer on their sites free of charge. Additionally, you and anyone who signs the loan agreement with you must meet the minimum age requirement for such a loan. That age requirement is 62. If you meet those requirements your reverse mortgage lender will delve deeper into your financial situation. You must be able to prove that you can financially afford to maintain your home on a long-term basis.

What Happens if You Default on a Reverse Mortgage

If you vacate your home for 12 months or more you must pay the loan balance in order for your family to retain ownership of the property. If you pass away your family will typically be given the repayment option. The balance must typically be paid within six months in such a circumstance. In either situation if the balance is not paid the home will be placed up for sale. However, no other property or possessions owned, such as vehicles, will be affected. In fact, you or your family may be entitled to receive excess funds if the sale price is higher than the amount owed. If not, the remaining amount owed will be erased after the sale.

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I have felt for a while that I probably need a desk to work from. My blogging jobs are becoming more and more frequent and most days I feel flustered when I have to keep moving from room to room to find a suitable work space. I have commented to Nathan on several occasions recently that what I really need right now is an area to call my own, with space where I can lay out my planner and if needed leave my laptop mid writing. It would also be great to sew on too!

I recognise that it’s impossible to have my own room for all of this, and so the idea is that we find a discreet place in another room to create a space for working and as this years main interiors goal is to do the lounge, we are thinking of finding one that can nicely slot in to the design of that! The last thing I want is an eyesore of a desk taking focus off what the functionality of that room is.

There are 3 I have my eye on that are all really affordable and that I found via Lionshome – a great website where you can search for many furniture items and accessories from various stores all in one place. I loved looking on it because I could easily compare prices from competitors and therefore know I am getting something I love for a reasonable price. Both very important things to me and discovering this site saved me a lot of time too.

So the ones I am considering right now are…

First – the cheapest one at £65.99 (sale price) from VidaXL is this lovely contemporary grey one. I love it because its really simple and stylish and will totally do the job! Its very different to other furniture we have and would be a nice statement piece in our tropical themed lounge! When not in use for work, my stuff can be stored in the 2 little compartments, and it can be used to display pictures and plants on! This one really does appeal to me and at the moment is my fave.

Secondly – This Bel Etage desk from Wayfair at £123.99. I like because its white, simple and would go with other furniture we already have. It’s a rather safe option as isn’t too different and the drawers look useful. It looks as though it wouldn’t take up a huge amount of space either so therefore would blend into the room nicely.

Finally – The more expensive of the 3 and yet one that would be super practical being in the lounge too. I like it for all of the extra storage it would bring to the room, and the fact that it is white, means it will fit in most places. It’s £230.99 again from Wayfair, but my only reservation is that perhaps it will look too overpowering and therefore become a bit of an eye sore to me!

 

I am looking forward to finally getting out lounge done, and finding the right desk for me. Whilst we have other rooms that need touching up and finishing, In some ways the lounge will certainly be the biggest of jobs. Mainly because we would like to fit a wood burner, and are contemplating taking the porch down in order to make the room bigger and better use the space with a corner sofa, and hopefully a desk for me too.

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There is nothing I love more on these icy cold nights, than rushing home with the kids from school, kicking our shoes off and getting snugly together with a Christmas movie. We have a sneaky hot choc or herbal tea (yes before dinner), and all grab a blanket each, before diving on to the sofas, shutting out the world, and reconnecting from our busy day before it all starts again for dinner and bed time!

As I wander around our village to and from school, I have been noticing more and more that lots of people not only have wood burners going (yes please) but also have beautiful shutters on their windows… I never really noticed it in the Summer, but there seems to be something so lovely and cosy about them (especially adorned in twinkly little Christmas lights). Wood burners and shutters – they both seem to be a thing here, and both are things I do not have but which I can only imagine add to a cosy home on cold Winter nights in! With this in mind, and our new love of cosy movie nights after school, I have put together a few essentials I see to having a cosy Winter home. Some of these things I can, and do do now, others will be DIY jobs hopefully done for next Winter.

Creating a cosy Winter Home

Blankets – Before having a family and owning our own home, I always imagined I would love to have a basket filled with throws and snugly blankets for the winter time. I wanted people/us/our kids to be able to come in and get cosy, and feel relaxed whilst we sat around talking, reading or watching films!

Only now has this become a reality, and just last week I pulled out all of our blankets and folded them neatly  chucked them into a basket by the fireplace. It instantly brought a cosy feel and made me immensely happy too.

Candles – I love candles burning at this time of year. It instantly brings a warm glow and lovely scents that scream “cosy room”! I have a love for Winter smelling ones, like cinnamon or gingerbread! A lovely bunch of burning candles on cold nights definitely bring the cosy factor!

Warm Socks/Slippers – These are such a small thing, and probably one we take for granted, but cannot be underestimated either. I love a good pair of chunky sock to snuggle in on cold winter nights (and days too for that matter). I love to see the kids take off their shoes and pop on some cosy socks or slippers. You know you’re home and can just feel all warm and cosy. What a treat for your freezing little toes!

Fire – I love a good fire in the Winter. It is super relaxing and inviting, and feels so homely and cosy! I think a good fire, especially now we live in the countryside, is an essential to creating a cosy Winter home! Whilst it isn’t a project we plan to carry out this year… we most certainly want a wood burner in time for next Winter. I have been pinning a few ideas and can’t wait to live the cosy Winter dream!

Shutters – This is something new on my list of ideas, all thanks to my nosy wanders around the village! But I think they look so beautiful and homely, and are incredibly beneficial too. Not only do they look modern and fresh, but keep the room warmer in the Winter and cooler in Summer!

I would like to get some in the bay window downstairs, and then work up to the bedroom windows. I remember on holiday in Italy that they made the rooms so dark, and it felt nice to shut the world out! I think shutters would be a lovely addition to making a home cosy at Winter, especially when you throw in some twinkling lights too. What a lovely way to shut out the world and create a little place of happiness!

Winter isn’t my favourite of seasons, but it is one I love for all of the cuddles and snuggles, the beautiful scenery, and the opportunity to get cosy! I love making my home Winter ready and relaxing with blankets and little candles by the light of the Christmas tree. I love to gather my little family together and shut out the world, and I look forward to accomplishing more of our DIY goals to make this even more cosy and joyful!

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