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I’m Lauren Quinn!

This is my first ever blog where I want to share with you information, advice, my experience and hopefully help you and get you inspired.

I wanted to create this because I, personally, get so tired of filtering through the internet looking for advice or information on the topics I’m passionate about;or my interests. You also never know whos written the things you read and you don’t know if you can trust the sources you find.

why a online blog?

  • Because it’s creative and fun! If you’re passionate about something then go do it! express it!
  • The world doesn’t have to be all about getting a good degree, getting a good job, buying a house, buying a car…..
  • LIVE LIFE HOW YOU WANT TO!
  • Me? I want more than a 9-5 watching the clock as years of my life goes by.

Sounding like a bit of you? Well my blog won’t let you down to be interesting and full of ideas, advice and information to help you kick start something fresh!!!

Here’s just a couple blog post ideas I have at the moment:

  • Politics: Brexit-what’s really happening in our world?-how laws get passed-the reality of the few deciding for the many.
  • Mental heath: My story- advice- support- living with mental disorders- you’re not alone- the science behind it- the psychology behind it.
  • Spirituality: meditation- religion- Terrence McKenna- Drugs- being happy-nature.
  • Art: music-painting-video editing- spoken word-expression.
  • Education: tips on university- passing exams- revision methods-writing a personal statement
  • Hospitality- tricks of the trade
  • Employment- how to write a good CV-interviews- work experience-what employers want
  • Travelling: see the world
  • Making money doing what you love- get that drive- don’t be afraid.

My goal with this blog is to be creative, to make a difference and also reach out to you!

Please drop me your email and subscribe for updates on new posts and also monthly information packages!!!

I hope to see you throughout my blogging journey xx

How to cope with debt

When you feel that crushing weight on your chest. The one where each breath you take you notice it’s importance and also the struggle.

Living with debt isn’t easy.

Your mind will go round in circles of thinking how badly you wish you could go back. Blaming yourself. Regret.

After a while you start to realise that there’s no going back. Don’t lie to yourself when I say there’s a moment you become okay with the debt. It stops scaring you. You face the fact of its not death knocking on your door. It’s a painful struggle but one with another side. A way to escape.

Getting into debt is easy. Getting out is hard.

Life is hard- death is easy…..

So enough of the morbid and on to how reading this might help.

Ways to cope with debt

  • Acceptance: Taking a moment to say to yourself ” yes I am responsible”. You may be surprised how many people can’t admit to themselves the mistakes they made. By accepting what you’ve done you make it easier to understand how to stop the debt swallow you up into a pit of darkness. You put control back into you your hands even when it feels like everything is falling apart.
  • Be honest: Being in debt is hard enough so don’t force yourself to be alone. One thing important is what type of person you want to be, when you look in the mirror what do you want to see. A person who made mistakes but had the balls to face them- or someone who lacks any moral ability to build their character starting with honesty. Hiding debt will cause guilt and anxiety, sometimes, even more emotional suffering will come from with holding the truth.
  • Make a plan: Doesn’t have to be one that fixes everything straight away. But having something to slowly pulling out that knife you put in your own back.

Oh yeah if you haven’t noticed this wasn’t written to tell you everything will be okay and not to worry. No one will hold your hand walking the roads at night. No one will jump in and fix every bad decision yo make. I’m writing this to help and in order to do that you must wake up. Take action or nothing will change.

Someone once told me you need to stop being so hard on yourself. You need to forgive yourself. What I took from that wasn’t to stop being hard on myself, it was the reasons why. I didn’t forgive myself for my mistakes and that rage I was targeting at myself over things such as debt- was useless.

Dwelling on past bad decisions you’ve made only allows those decisions to keep defining you. Forgive yourself and move on.

When we stop letting things control us we can breathe again.

Coping with debt is the first step to getting out of debt.

Why?

Not thinking clearly, being irrational, lack of understanding, being impulsive, recklessness…..

Sounding somewhat how you managed to find yourself in debt. Coping rationally isn’t how you got there. But changing your mindset is a step to changing you ways. That’s why.

Knowledge is power

If someone ever told you what made the world go round centuries after centuries. What do you think they’d say?

Money? Power? Love? Science? People? Art? Family?

From the dawn of time the human race has evolved and adapted its way of being dramatically. But we all meet our friend death in the end. All of your achievements and all your efforts will turn to dust.

It’s a curious thing.

“The Worldly Hope men set their Hearts upon Turns Ashes – or it prospers; and anon, Like Snow upon the Desert’s dusty Face, Lighting a little hour or two – is gone.”

Death makes us mortal and therefore means human life must make the most of the time that is given to us. We get taught to dread death as if it were the end of the show.

Death is a friend.

But the question is what is left behind. What has guided our race from the caveman – Egyptian’s- the time of Napoleon- Colonisation- The world wars in the 1900’s to now ?

Power is a strange concept in which many seek to obtain it. However there’s only so much power in the world and like many come to realise that chasing power just becomes a game of cards. Where who holds the best hand always changes.

Quite silly really. To devote your life to something so fickle.

Knowledge surely is science and is love and is the people. What we know about the whole world around us all came from knowledge. The science we defend for its credibility and factualism- knowledge.

What we know about love and relationships- knowledge. The beauty of our ability to develop emotional intelligence- compassion, empathy and communication even when there are no words.

The foundation of the existence and importance of money is based off the understanding of trading one good for another. Which our modern world uses money as a controlling measure on the human race.

Your own ego is what fuels the need to leave behind a legacy and to pass on the memory of yourself. People say my children will carry me. How far?

Ask yourself.

Unless you lived an absolutely extraordinary life where thousands will remember you throughout time.

What’s then the meaning of life?

Power lies within knowledge in every inch and fingertip- in there you will find true meaning.

To improve your mind, to improve your character- it brings us into a state of being where we can understand. That the point of life is simply the here and now. The journey itself is the point.

The playing is the point

The learning is the point

The walking, running , jumping everyday is the point.

When we understand. We can then see that everything all falls into the same happy. Stop chasing and start seeing.

So therefore the course of wisdom is the recognition that knowledge is power.Knowledge provides freedom and happiness.

Make your day a little brighter everyday

So what are very simple small things we could do everyday to make our days just a bit better?

Work week stressing you out? Studying starting to feel like it’s too much? You feeling sluggish and heavy?

  • STOP!! Take one moment to breathe- I know this always sounds so obvious and patronising but if you actually get in the habit of “stopping”. What this actually means is that you develop the ability to reflect and reflection is key to improving head space.
  • Reflection: Looking back over something or your thoughts with consideration.
  • So why do it? By taking this time to think it makes you aware of the things in your life that have been the cause of the stress. But also the moments where you appreciate something and by realising what they are you can incorporate more of these in your life.
  • Sleep!! Getting enough sleep I’m sure we all by now is good for us and for some its easier than others.
  • Whether sleeping enough can be as hard as having to take sleeping tablets at night or whether you never have time

Sleeping tips

  • Put your phone on night mode– The bright light will keep you up, why? Exposure to blue light before you go to bed significantly affects your sleep quality, because it prevents your body from releasing melatonin, a chemical in your body that helps you sleep. All devices produce lots of blue light which during the day aren’t a problem.
  • Give up your late night snack– Eating late at night can cause weight gain, according to a study reported by the University of Pennsylvania’s Perelman School of Medicine. In June 2017 the report showed that participants not only gained weight, but they also had higher glucose and insulin levels and less energy. Your body is busy processing the food you’ve eaten which disrupts sleep.
  • Set alarms to regulate your sleep– So even if you aren’t getting up for anything try to keep the amount you sleep the same- everyone wants that weekend lie in and staying up later but try not to over sleep. This may interrupt your body clock.
  • 7-8 hours sleep makes the difference! Is giving up your sleep worth you feeling grumpy and sluggish throughout the day? Have you ever thought about how the build up of always feeling tired impacts your mental health?
  • Maybe cut out your nap? by not napping this may make you feel more tired in the evening when its time for bed. Napping may be keeping you up so try push through and see if this makes a difference.
  • Light dose of diazepam? Not natural- but it may help you get into a routine if getting to sleep is really hard and natural methods aren’t working for you.
  • Eating: What you put in your body can affect how you feel not just physically but mentally. I’m sure we’ve all eaten a load of junk food and then started to think a hint of regret on how it’ll effect your appearance.
  • Try eating some more fiber rich and also foods which naturally boost your energy levels.

So these are little differences you could make each day. Of course the everyone is individual and different things work for different people. But worth a try.

Best thing about these changes of decision is that they don’t require masses of commitment.

Suggesting meditation or writing a journal are common when it comes to improving mood. However not everyone has that kind of time- so why not start with something small.

Hope this can help inspire and promote feeling better within ourselves.

Often think you wont regret doing something positive for yourself, but you may regret not doing it.

Thankyou!!

Financial lingo explained

banks and investors and pretty much anyone in finance like to use terms to alienate people ( basically so no one else knows what they are talking about). I personally think its important to remove this barrier for anyone who wants more understanding of finance.

I mean who wouldn’t want to understand the people handling their money?

You trust banks and money advisors everyday with your earnings you worked so hard for. Should you? Rely so much on them to make sense of things for you and base your decisions off? Well I’m sceptical of this relationship and therefore take it upon myself to learn about how money works.

So I’m going to start with some definitions of things that might come up when reading through finance.

  • Sentiments– A view or opinion that is held or expressed. It’s basically a point of view- voting on what sentiment you hold over a the likely hood of a company’s share going up/ worth more/gaining more profits.
  • A economic bubble: An economic bubble or asset bubble (sometimes also referred to as a speculative bubble, a market bubble, a price bubble, a financial bubble, a speculative mania, or a balloon) is a situation in which asset prices appear to be based on implausible or inconsistent views about the future. The wall street crash in American with the housing market- there was a bubble there where the AAA mortgage packages were being filled with more and more risky deals. People were taking out loans and didn’t care if the person would struggle paying it back. When the market crashed people lost their jobs, homes and lives were ruined.
  • Cryptocurrency: a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank. “decentralized cryptocurrencies such as bitcoin now provide an outlet for personal wealth that is beyond restriction and confiscation”. Digital medium of exchange.
  • Bonds: A bond is a fixed interest financial asset issued by governments, companies, banks, public utilities and other large entities. When a party buys a bond, it is basically lending funds to the issuer of the bond. The main risks of investing in bonds include the following: Interest Rate Risk. Rising interest rates are a key risk for bond investors. Generally, rising interest rates will result in falling bond prices, reflecting the ability of investors to obtain an attractive rate of interest on their money elsewhere. When you buy a bond, you are lending money to the government or company that issued the bond, and in return, the government or company that issued the bond is agreeing to pay your money back, with interest, at some point in the future.
  • ETFs– An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds and generally operates with an arbitrage mechanism designed to keep it trading close to its net asset value, although deviations can occasionally occur.
  • Commodities– A medium of exchange (money) with both value in use and value in exchange. Commodity money is first and foremost a commodity that provides users with satisfaction of their wants and needs. An economic good: such as, a product of agriculture or mining agricultural commodities like grain and corn.
  • Shares: A share is one of a finite number of equal portions in the capital of a company, entitling the owner to a proportion of distributed (not reinvested) profits (dividends) and to a portion of the value of the company in case of liquidation.
  • Liquidation: It’s basically the conversion of assets into money, businesses do this sometimes for example to pay off debts.
  • Day’s range: Is simply the range in which the company’s stock traded- the highest and lowest price the stock was that day.
  • Market cap: Also known as market capitalization is the total market value of all of a company’s outstanding shares. It is also incorrectly known to some as what the company is really worth, or in other words the value of the business
  • Beta: In finance, the beta (β or beta coefficient) of an investment is a measure of the risk arising from exposure to general market movements as opposed to idiosyncratic (peculiar or individual) factors. The market portfolio of all investable assets has a beta of exactly 1. A beta below 1 can indicate either an investment with lower volatility (ability to change rapidly and unpredictably, especially for the worse.) than the market, or a volatile investment whose price movements are not highly correlated with the market
  • P/E ratios: The price-earnings ratio, also known as P/E ratio, P/E, or PER, is the ratio of a company’s share (stock) price to the company’s earnings per share. The ratio is used for valuing companies and to find out whether they are overvalued or undervalued.
  • Fibonacci:
  • Dividend: a sum of money paid regularly (typically annually) by a company to its shareholders out of its profits (or reserves).
  • Pivot point: A pivot point is a technical analysis indicator, or calculations, used to determine the overall trend of the market over different time frames. The pivot point itself is simply the average of the high, low and closing prices from the previous trading day.

(opinion piece)

So these are just a handful of terms used- I’ve recently downloaded an app on my phone called investing and these words were plastered all over the place. I had no idea how to understand the stocks and shares and trading that goes being businesses internationally. So using this knowledge I can work through the app to make sense of the data- you can even buy shares if you want and potentially make money but first you’d need a proper understanding of how it works.

It can be really fun and interesting, I mean who doesn’t like making money? Learning to invest your money in the right places expands your knowledge and ultimately you rely less on ‘ experts’ to tell you how to invest your money- as you can’t always trust people. People always have their own agenders. For example how the wall street crash occurred, there were people who knew they were taking advantage of people but did it ANYWAY to make money. Something to remember and if you haven’t seen the big short- watch it really interesting movie!!!

Western culture link to mental health

” the world is going crazy”

Everyone thinks that the world is fucked by businesses, damaged environment, homelessness, poverty , money , rights and politics…. far from it really. Take a look at the past 100 years. The world wars, rights for women, rights for blacks, working conditions, more acceptance for LGMT, the technological advancements- the list could go on. I’m not saying the world is perfect now and these struggles aren’t still happening. However I’d like people to take a moment of reflection of how the world has transformed into a better place. I think maybe the world’s headspace has changed and maybe not for the best? The increasing rates of mental illness rings alarm bells for me. I think the world is fucked due to people’s perspective of it. Its a possibility is it not?

Well before we dive in to the link to western culture-just a quick summary of what mental health is. By definition its a person’s condition with regard to their psychological and emotional well-being. People can have many different levels of mental health conditions. Some people have really healthy mental head space, but many suffer from a mental illness. for example….

  • Depression
  • anxiety disorders
  • eating disorders
  • schizophrenia
  • addictive behaviours

The cause of these can be environmental or biological. The mental illness rates vary around the world but the most common illness is depression. In the untied states it affects 40 million people every year- that’s a LOT! While the rates of mental illnesses are spreading & increasing, mental disorders have been apart of human life since the developing of reason and critical thinking.

Western countries rates of mental illness

Germany: Being punctual and precise as a machine takes its toll on the human psyche apparently. The country of supreme engineering is ravaged by anxiety and mood disorders at an alarming rate. It starts young with 1 in 6 students in Germany suffering with an anxiety disorder. It’s not just anxiety though depression is also massively impacting the population. A study showed that absence from work due to depression had increased almost 70% in Germany from 2000 to 2013.

Belgium: Belgium’s people have been reportedly undergoing a massive influx of depression disorders which the country is trying to battle with social disability pensions for the more extreme cases.

France: France was proclaimed “world champion of misery” by its own press after a report published in the US rated the French as most likely to suffer from clinical depression. The statistics are there.

I could go on about every western European country but here’s a list of the most miserable:

Most miserable countries
1. Greece
2. Cyprus
3. Italy
4. Portugal
5.Spain
6.France
7. Belgium
8. Luxembourg
9.Finland
10.Netherlands
11.Austria
12.Ireland
13.Germany

The UK: 1 in 4 people in the UK suffer with some kind of mental illness. Lets look into different kinds of disorders…

So there’s no debate that people in western Europe are struggling and it’s spreading and becoming more prevalent. I want to ask why ? not every single person had a bad childhood or have a biological complication The cause doesn’t have to be anything extreme just like the illness doesn’t have to be extreme to be a mental illness.

The power of social media

So we all know how much we now rely on our phones and use networks just as Facebook to stay in contact with people. I think there is a link between mobile phone usage and people feeling dissatisfied ether about themselves or their life. Health experts love to say that sitting is the new smoking. Given the number of diseases to which sitting is linked, and the number of people it apparently kills every year, sitting is one of the worst things we can do for health. But possibly as concerning is the thing that we often do while we’re sitting: Mindlessly scrolling through our social media feeds when we have a few spare minutes (or for some, hours). The American Academy of Pediatrics has warned about the potential for negative effects of social media in young kids and teens, including cyber-bullying and “Facebook depression.” But the same risks may be true for adults, across generations.

  • Addictive
  • It triggers more sadness and less well being
  • comparing our lives with others is mentally unhealthy
  • It can lead to jealously and a vicious cycle
  • we get caught in the delusion of thinking it will help
  • more friends on social media, doesn’t mean you are more social

Job security pressure

lets talk about the 9-5……

Some people don’t dare leaving 9 to 5 due to job security or financial reasons. In this case you have to ask yourself is this really worth holding back your dreams? I dont think many people have to be encouraged to work 9 to 5 rather than doing their own thing. I think people feel the pressure of playing it safe instead of doing something they are really passionate about.That’s one of the reasons why it is always overemphasized how beautiful having a business is. People need to be encouraged to start their own business not so much to work 9 to 5 as its the ‘standard’. Whether one or the other is preferable that must be decided by the individual. Of course some people love their 9-5 jobs but I do think the pressure from society has affected peoples mental health- why depression is so common?

The reasons I mostly hear as to why a normal job is a good thing were things like “job security”, “you’re lucky if you’ve got a good job and should appreciate it”, “you’ll miss being around your colleagues if you leave”, and “not having to make business decisions is a blessing”.

University

Sharp rise in mental illness amongst first year university students

University. The word sort of fills you with dread, doesn’t it? Or perhaps it fills you with a nostalgic joy? A recent analysis of more than 15,000 UK first-year students’ disclosed mental health issues in 2015-16. This suggests that five times as many new students experience mental health issues compared to new students in 2006 which stood at about 3,000, the Institute of Public Policy Research has found. I don’t believe some people out there understand how difficult university can be, especially if you are suffering from a mental health issue. I’m aware that sounds very patronising to some but it really is.

“Now I’ve got my degree and got my job …..this sounds weird, but I feel “well that’s it now?”

I’ve never ever thought any further beyond getting a degree and what else I want to do in life or work towards to.

I feel like I’m plodding along life in a set routine of getting up and going to work and not doing much else. From Mondays I’m always looking forward to the weekends and beyond that, I’m always looking forward to a week off.

My job right now is not exciting, I’m new and I got a lot to learn. I’m not being challenge and I’m not busy at all at work. I literally count down minutes till I leave. It’s a well paid job though and a position people would really want.

I’ve taken up new hobbies like drumming but I don’t know what else to do.

I’m growing concern with the fact that I’m wasting time and my life. I feel like I should make a change but I would be taking a huge risk. I don’t know whether I need to be patience and wait for things to happen.”

I think this was perfectly well spoken to indicate why mental health and especially depression is spreading and becoming more and more common. Our society has built in a structured path for people growing up and this sets them up for living a life in a miserable way.

It’s better to have a short life that is filled with what you love doing, than a long life spent in a miserable way.

The common causes of anxiety

Other people: People don’t like to admit it but other people make them anxious. We are social animals and our relationships are important. However they can cause anxiety for many reasons- arguments, getting approval, making people proud, feeling loved etc. The advancement of technology and how everyone is constantly talking to each other and updating their lives online- puts more pressure on our relationships.

  • low self-esteem
  • over working
  • low self-confidence
  • no support network
  • abuse or neglect
  • over parenting
  • bullying
  • money

Money

We’re living in a time where there’s now actual money anxiety disorders!

A money anxiety disorder is when you develop negative money-related patterns in your life. These patterns are usually self-destructive. Also, they can easily put a limit on who you are as a person as well as your financial success. Money anxiety disorders tend to stem from negative money-related experiences in your life. These experiences are usually so emotionally impactful that they leave you with a distorted view of finances altogether. The root of a money anxiety disorder could be an event like losing your retirement in the market or even childhood poverty. Sometimes financial ideals imparted to you by an authority figure could cause a money anxiety disorder.

Money-Worshipping Disorders

This sub-category is characterized by overspending, gambling, hoarding, workaholism, and compulsive buying. If you’re struggling with these symptoms, then you learned from early on to use these activities as an escape from money worries. But the “fix” is temporary and leaves you with bigger worries than before.

Money Avoidance Disorders

You might avoid taking financial risks and frequently underspend. People suffering from this sub-category often try to lessen the impact of money issues by avoiding bank statements or refusing to acknowledge bills. With this disorder, it’s not uncommon for you to feel guilty about having extra money, too.

Relational Money Disorders

Hiding your spending from your loved ones is a common element in this sub-category. You might resort to lying about going over budget or even hide secret accounts. Adult children who are capable of financial independence but who are still depending on their parents fall into this category.

So what conclusion can we draw? Our society in the west I believe is contributing to the increase in mental health disorders. How can we change this ? That’s a whole new topic of discussion I will cover soon.

Brexit

Don’t know anything about politics? You’re reading the right blog! This isn’t a blog preaching my opinion on Brexit or anything occurring in modern politics. This post is to be informative and help make sense of the all the messy news and posts all over social media. So first of lets look at who’s in the EU and the difference between the EU and the Schengen area.

The UK will after Brexit not be apart of the Eurozone, Schengen area or the EU.

In short, they are two different entities although many countries are included in both. The EU is a political and economic union, whereas the Schengen Area allows for the free movement of people between the participating countries. Through the Schengen agreement, these countries have abolished all types of border controls along their mutual borders to make it easier for the tourists travelling to other Schengen area countries. This means, the whole area acts as a single country, where you just require a single ‘Schengen’ visa to travel across the member Schengen area countries. The countries don’t have any economic ties to each other.

So let’s talk money…..

So if you only want to look at money figures. Yes some countries pay more money into the EU and get less back in some ways. As you can see the more well developed and initiative countries are the ones who pay the most. But remember the variations in population size will impact how much money a country can generate. There’s both sides of the argument that both give you figures I would personally take with a pinch of salt. The leave argument will tell you the UK pays billions and gets half back which is money for example that could be spent of the NHS. On the other hand the remain will tell you that because of the amount of trade of goods and the UK’s reliance on importing, generates more money through businesses/economic growth.

So lets look at trade then…..

Main goods import partners were: Germany (15 percent of total imports); China and the Netherlands (9 percent each); the United States (8 percent); France (6 percent); Belgium & Luxembourg (5 percent); Norway and Italy (4 percent each); and Spain and Ireland (3 percent each).

So as we can see from a historical trading report the amount we import and export fluctuates. But the UK without a doubt benefits and you could be bold to say relies on these partnerships with different countries for resources. Not all in the EU though to bare in mind but 45% is in the EU and 21% was outside the EU.

So lets look at work…..

At the moment any member of the EU -their citizens can work and live in any EU country. They will have the same workers rights e.g. pay and working conditions. Depending on what deal is made, it might be that you will have to apply for a work permit or a permeant residency. Both will require an application for approval. Permeant residency permits will involve tests. They will most likely include requirements to speak the native language to a fluent degree and also prove knowledge of the country’s systems and culture. A work permit will require evidence of a job offer and contract of employment. If you don’t have a permit you would have to leave that country after 3months.

There could even be a possibility that a no-deal Brexit would mean complete retraction of right to live or work in any EU country. This may mean people from the UK being deported back to the UK and also EU citizens in the UK being deported. However those born in the UK with British passport will not be deported. So if your parents or family moved here before Brexit and you had a British passport or applied for citizenship, you wouldn’t have to apply for a permit.

“What then is freedom? the POWER to live as one wishes.”

Ask yourself questions

Couple meanings of words thrown around in the media a lot: Immigration means movement of people to a country and emigration means movement of people from a country.

  • Will EU country employers hire UK citizens?
  • Will UK businesses hire EU citizens?
  • What jobs do most immigrants do?
  • Do UK citizens want to do the jobs that immigrants do?
  • Do you have a dream of working abroad? becoming a emigrant?
  • Dream of living somewhere new and fresh? which is emigration!

Lets talk about our politicians…….

First thing to say is politicians can LIE! They are competing at their own game of popularity, whos knows what and whos the most charismatic. Politicians famously answer a question ether with a question or a string of irrelevant sentences to throw you off. It’s meant to confuse people and it means they don’t actually answer what your asking. So when people say leaving EU will mean we can save our NHS and improve everything. This could be true! However you have to remember that its not you who will be implementing it, its the government. With that said there’s no guarantee that they will do anything the way you think they will.

we vote for a party- so we can choose who we want to lie to us.

Yes, all parties will lie at some point. Nobody can point a finger at just any one of them. That’s a fact unfortunately. Not to say that all politicians are bad, it’s just to make you aware of the truth of what you hear and read is not science. There is no law on it having to be factually proven to be true. This is the same with newspapers, magazines- any form of journalism including the news. I’m not saying that a lot of it is not factual but there is a lack of understanding about not believing everything you read or hear.

So why has the value of pound decreased? and will this recession ?

  • Uncertainty. Markets dislike the uncertainty over what will happen to UK politics, UK economy and the UK financial sector. The UK is not seen as a ‘safe haven’. Investors for looking for more certainty will prefer to save in US and Europe.
  • Less inward capital investment. Loss of Single Market. The Brexit vote makes it likely the UK will leave the Single Market (to be able to restrict the free movement of people), this will discourage much inward investment. With less inward investment, there will be less long-term demand for sterling.
  • A predicted decline in portfolio investment. The City of London has been the dominant European trading centre, attracting many capital flows. Outside the EU and the single market, this is likely to make trading in the City of London less attractive. If there is a smaller flow of saving into the UK, then the Pound will fall in value.
  • Current account deficit. In 2016, the UK has a high current account deficit as a % of GDP. This current account deficit has been financed by capital flows, but if these dry up, the Pound will have to fall to correct the imbalance in trade.
  • deficit definition: The amount by which something, especially a sum of money, is too small.(debt)

POUND TO EURO FORECAST 2019, 2020, 2021, 2022. GBP TO EURO TODAY

MonthOpenMin-MaxCloseTotal,%
2019
Aug1.0981.086-1.1411.1242.4%
Sep1.1241.077-1.1601.1434.1%
Oct1.1431.106-1.1431.1232.3%
Nov1.1231.093-1.1271.1101.1%
Dec1.1101.063-1.1101.079-1.7%
2020
Jan1.0791.064-1.0961.080-1.6%
Feb1.0801.060-1.0921.076-2.0%
Mar1.0761.076-1.1121.096-0.2%
Apr1.0961.096-1.1311.1141.5%
May1.1141.096-1.1301.1131.4%
Jun1.1131.102-1.1361.1191.9%
Jul1.1191.108-1.1421.1252.5%
Aug1.1251.102-1.1361.1191.9%
Sep1.1191.095-1.1291.1121.3%
Oct1.1121.088-1.1221.1050.6%
Nov1.1051.085-1.1191.1020.4%
Dec1.1021.088-1.1221.1050.6%
2021
Jan1.1051.097-1.1311.1141.5%
Feb1.1141.083-1.1151.0990.1%
Mar1.0991.099-1.1341.1171.7%
Apr1.1171.089-1.1231.1060.7%
May1.1061.085-1.1191.1020.4%
Jun1.1021.092-1.1261.1091.0%
Jul1.1091.109-1.1591.1424.0%
Aug1.1421.093-1.1421.1101.1%
MonthOpenMin-MaxCloseTotal,%
2021 Continuation
Sep1.1101.071-1.1101.087-1.0%
Oct1.0871.066-1.0981.082-1.5%
Nov1.0821.034-1.0821.050-4.4%
Dec1.0501.044-1.0761.060-3.5%
2022
Jan1.0601.049-1.0811.065-3.0%
Feb1.0651.054-1.0861.070-2.6%
Mar1.0701.046-1.0781.062-3.3%
Apr1.0621.039-1.0711.055-3.9%
May1.0551.055-1.1031.087-1.0%
Jun1.0871.038-1.0871.054-4.0%
Jul1.0541.018-1.0541.033-5.9%
Aug1.0331.012-1.0421.027-6.5%
Sep1.0271.000-1.0301.015-7.6%
Oct1.0150.970-1.0150.985-10.3%
Nov0.9850.985-1.0191.004-8.6%
Dec1.0041.000-1.0301.015-7.6%
2023
Jan1.0150.986-1.0161.001-8.8%
Feb1.0010.959-1.0010.974-11.3%
Mar0.9740.931-0.9740.945-13.9%
Apr0.9450.903-0.9450.917-16.5%
May0.9170.917-0.9460.932-15.1%
Jun0.9320.932-0.974

So this forecast gives us an idea of what experts believe will happen to the value of the pound vs euro. the value is going to decreasd basically.