Cost of living crisis: how to protect your money and mental health

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As the cost of living increases, we’re looking at how you can mind both your money and your mental health

Cost of living crisis: how to protect your money and mental health

Recently, it’s felt like we’re stuck in a stream of mounting pressure, as we’ve faced one thing after another. And with the cost of living on the rise, many of us will be worried about the immediate future.

The Resolution Foundation Think Tank estimates that an extra 1.3 million people will fall into absolute poverty in 2023, including 500,000 children – and middle-earners will likely also feel the strain as bills and monthly outgoings rise.

It goes without saying that this is going to have an impact on our mental health, as financial wellbeing and mental health are connected. In a survey of more than 1,000 people by the mental health charity Mind, 73% reported that when their mental health is poor, they struggle more to manage their money, and 74% also said that difficulty managing money then went on to affect their mental health.

“If you live with mental illness you may be on a reduced income, face increased costs, or find it hard to budget, while money worries can also place pressure on your mental health, leading to increased stress, worry, and anxiety,” Laura Peters, head of mental health and money advice at the charity Mental Health UK, explains. “This can create a worrying cycle that can impact other aspects of your life, such as your relationships, work, or where you live. Improving your financial security and understanding the best way to manage your money can have a hugely positive impact on your mental health.”

Money where your mouth is

But, truth be told, even just talking about money can be difficult, let alone taking steps to manage it. Of course, speaking about it is the first step to getting help – both practical tips and emotional support – but our fears and anxieties are often an additional barrier.

“There are lots of reasons why people find it hard to talk about money worries,” Laura says. “Parents or carers might feel pressure to support loved ones who rely on them. Some of us might feel like we want to keep up with friends, even though we can’t afford to match their spending habits. And many people in debt tell us they feel a huge amount of shame and stigma around their situation.”

In research by the Money & Pensions service in 2020, which surveyed more than 5,200 people across the UK, researchers found that nearly half the adult population (48%) say they have worried about money once a week or more in the past month. It would be fair to say that that number may have risen in 2022, but the survey also looked into the most common reasons why UK adults avoid talking about their money situation, finding ‘Shame/embarrassment’, ‘Not wanting to burden others’, ‘It’s not how they were brought up’, ‘It causes stress or anxiety’, and ‘Thinking they should be more successful than they are’ were among the top causes.

“Money worries can make people feel really isolated, but a lot of people will experience money worries at some point in their lives,” Laura says. “You are not alone, and it’s

Lemon Cake with Lemon Glaze

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Lighter than a traditional pound cake, this Glazed Lemon Cake is tender with a bright sweet flavor and the lemon glaze adds the perfect touch–the literal icing on top.

Iced Lemon Loaf Cake

Glazed Lemon Cake

This cake recipe comes from my friend Christi’s new cookbook, The My Little Pony Baking Book. I loved this book from the moment I first opened it. Then I tried this lemon cake recipe and fell in love even more.

The My Little Pony Baking Book is a truly awesome dessert cookbook, whether or not you’re a My Little Pony Fan. Anyone who loves a great-tasting dessert should have this baking book on their shelf.

It has recipes suited for experienced cooks and new bakers alike. These are some of the best dessert recipes you’ll ever make.

Cake with Lemon Glaze

I’m a big fan of lemon desserts and enjoy making them often. Everything from Lemon Bars to Lemon Coffee Cake has had its moment in the spotlight in my kitchen.

This simple loaf cake with lemon glaze turned out moist, light and tender with plenty of bright lemon flavor. And nothing could be easier or tastier than the simple lemon glaze recipe that goes on top of the finished cake.

Lemon Cake with Lemon Glaze

Lemon Glaze for Cake

Almost everyone enjoys a creamy, thick topping of buttercream frosting from time to time but some cakes call for a lighter more delicate

Leftover Turkey Pot Pie

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Tender chunks of savory turkey and aromatic vegetables are baked together inside of a flaky pie crust. My whole family gives this Leftover Turkey Pot Pie two big thumbs up!

This leftover turkey pot pie takes the remaining turkey and makes excellent use of it. It has become one of my new favorite recipes for using up those leftovers.

Flaky buttery turkey pot pie

Old Fashioned Chicken Pot Pie Recipe

I have always loved chicken pot pie and this Turkey Pot Pie is the same recipe that I’ve made for years. So, lucky for us all, we can make this pot pie year-round.

If you don’t have leftover turkey in the house, you can make this pot pie with a store-bought rotisserie chicken or whatever leftover chicken you happen to have on hand.

Using the store-bought pie crusts saves a lot of time during prep, but if a homemade crust is more your style, go for it. And, the filling here? It is absolutely fabulous.

When I was a little girl, my grandmother would often bake those individual frozen pot pies for dinner. This leftover turkey pot pie reminds me of spending the night at my grandma’s house, but truthfully in a much more delicious way.

As an adult, I have to admit that frozen pot pies are less appealing. But, the nostalgia of the meal remains. So, I happily make my own pot pie to satisfy the craving.

Leftover Turkey Pot Pie

Leftover Turkey Pot Pie

After the big meal, we’re usually left with a whole lot of leftover roasted turkey.

And delicious as that roasted turkey is, I can only do so many sandwiches, soups, casseroles, and pastas before I reach for a new recipe idea.

Pot pies are one of my favorite uses for leftover turkey or chicken and I try to have enough turkey on hand to make it the week after Thanksgiving. (If you

Cookies and Cream Cookies

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Cookies and Cream Cookies

These homemade cookies and cream cookies are filled with crunchy chocolate cookie pieces and white chocolate cream that will have you coming back for more cookies every time. 

Who doesn’t love cookies and cream?!

This is a SNEAK PEAK into our new cookbook! If you haven’t purchased it yet, get your buns over to Amazon or Deseret Book and get your copy! This recipe and so many of our family favorites are in the book. You’re going to love it!

A large cookies and cream cookie on a dessert plate. There are bits of cookies and cream candy bar in the cookie and on the plate around the cookie.

Family Bake-Off

Our family has a fun Sunday night tradition a few times a year, or every month if we are up for the challenge. We gather in the kitchen where the main recipe has been made such as pizza dough, cookie dough, etc.


A photo of a young girl spooning melted white chocolate over chocolate chip cookies with her little brother watching.

How it Works

Mom has 5 random ingredients and names in a hat. 

Mom pulls a name and that person picks their ingredient. We go until everyone has chosen an ingredient and then separate to make your own creation using anything in the fridge, freezer or pantry.

In the end, we taste, try, and decide on a winner based on our new recipe creations.

It is such a fun an

Garlic Bread Chicken Parmesan Sandwich

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Garlic Bread Chicken Parmesan Sandwich

Tender chicken parmesan sandwiches with crispy chicken, marinara sauce, melted mozzarella, and pesto all loaded on buttery garlic bread.

I know, you don’t think you need a recipe for a parmesan chicken sandwich, right? You would think that you could just stick our absolutely delicious recipe for chicken parmesan in a hoagie and all would be well, but you would be wrong. We’ve got a few secrets that are very important.

a photo of the cross section of a chicken parmesan sandwich with gooey cheese, marinara sauce, and pesto all sandwiched in buttery garlic bread.

These chicken parm subs were so so yummy. If you live in Utah you may have visited a sandwich shop called, Moochies. It’s delicious, sloppy, fattening and perfect. I decided to make our own version of the chicken parmesan sub from there and oh my! It was really quite yummy.

All of the different flavors used in this sammy really come together and make what could look like just another ordinary sandwich into something worth drooling over. Fresh bread, meat sauce, delicious, melty cheese and the secrets.

a photo of a chicken parm sandwich that has been cut in half so you can see the cross section with a spoonful of pesto sitting in front of it.

Ingredients for Chicken Parm Subs

These ingredients are pretty straightforward. Maybe the only surprise will be the pesto, but we love the extra layer of flavor