May 2024

K9 First Aid qualified
Fully Insured
Groomingtails Dog Spa,
128 Bridge Lane, Frodsham, WA6 7HZ
A family run business full of true dog lovers!
Find us on Facebook or Telephone 07765862756
and dry to a full clip and groom, we look after
your pooch in a friendly environment to
the highest standard.
Over 6 years Grooming Salon experience to
Level 3 City & Guilds standard
K9 First Aid qualified
Fully Insured
A family run business full of true dog lovers!
Joint bank or savings accounts can be a good Who manages the money?
idea for those in long-term, trusting and stable Whether Find us you on have Facebook a joint or account Telephone for 07765862756
everything
relationships but you should be aware of the or just for bills, it’s likely there’s one person in the
pitfalls before pooling your fi nancial resources. relationship who is better Groomingtails at money Dog management.
Spa,
• Understand the legal implications of a joint They may have 128 more Bridge of Lane, aptitude Frodsham, for it WA6 or have 7HZ
account. In most cases, both parties are equally more time to keep an eye on things.
liable for any debts or overdrafts incurred This suits many partnerships, and you aren’t
on the account, regardless of who Chatty made Therapy the offers fun and going effective to speech force and language a Chatty change Therapy therapy just offers in a for comfortable fun and the effective sake clinic speech of it. and language
transactions. If you are concerned in Cuddington. about this,
in Cuddington.
However, for the non-managing party, burying
you can have an account where Weboth can help parties if your child has anytheir of following head difficulties: in the sand and not
Chatty
knowing
Therapy
how
must authorise the release of funds. However, to access accounts is dangerous.
• understanding instructions
• understanding offers
If
instructionsfun you lose
if you feel you need to do this, it might be a sign
and
your partner or they become incapacitated, not
you shouldn’t be joining forces. • poor attention and listening
• poor attention and listening
having access to your own money effective is going speech to
• social communication issues
• social communication issues
• If it’s not practical to have two signatories for pile on the stress.
every transaction, be aware that one • poor person vocabulary will understanding and use
• poor vocabulary understanding and use
Create a factsheet detailing and all your language products:
have the legal right to withdraw all • the usingmoney.
grammar – issues such as “me do it” or pronoun confusion (“he” instead of “she”)
savings, debts, insurance, bank accounts
• using speech sounds age-­‐appropriately
• using speech sounds age-­‐appropriately
•
therapy in a
For current accounts, you’ll need to discuss and important fi nancial dates such as when
• producing the harder speech sounds such as “r”, “l” or “th” (aged 6+)
and agree upon how the account will be used, car insurance is due for renewal.
We can help if your child has • stammering/stuttering
any of the following difficulties: • stammering/stuttering comfortable
If the nonmanaging
py offers
who
fun
will
and
deposit
effective
money,
speech
who will
and
pay
language
bills, and
therapy a comfortable
partner is IT literate
clinic
then an online
what
n. • Understanding
the spending limits
instructions
are. We also provide regular servicesshared and trainingfi inle schools will and be nurseries fi ne, but and are printing clinic currently providing it in out will be
• Particularly if you are pooling day-to-day
input for over 16 schools in Cheshire easier for most. input Of for course, over 16 schools don’t Cheshire put important
spending,
• Poor attention
bear in mind
and
that
listening
relationship passwords on the same piece Cuddington.
of paper.
your child Website : www.chattytherapy.co.uk
• Social has any communication of the followingissues
difficulties:
Website : www.chattytherapy.co.uk Email : carole@chattytherapy.co.uk Mobile : 07962 073432
confl ict can arise if one party considers the In summary, having a joint account can be a
other is spending unnecessarily or paying a very convenient part of your daily life together,
• Poor vocabulary understanding and use
standing higher instructions price for goods than they should. provided you’ve discussed and planned
• If • you Using are feeling grammar pressured – issues to such open as a “me do it” how or pronoun to manage funds, both now and should
ttention
joint
and listening
confusion account, particularly (“he” instead if it’s of early “she”) in the circumstances change.
communication relationship,
• Not speaking issues ask for someone else’s opinion. It Financial Arrangements
might just be that you clearly are apprehensive about
ocabulary the • step Producing understanding change the your and harder use commitment, speech sounds but such as “r”, “l” or “th” (aged 6+)
equally, your reticence could have grounds.
grammar • – Stammering/stuttering
issues such as “me do it” or pronoun confusion (“he” instead of “she”)
speech sounds age-­‐appropriately
We can help if your child has any of the following difficulties:
• using grammar – issues such as “me do it” or pronoun con
• producing the harder speech sounds such as “r”, “l” or “th”
We also provide regular services and training in schools and nurser
We also provide regular services and training in schools and nurseries and
are currently providing input for over 16 schools in Cheshire.
cing the harder speech sounds such as “r”, “l” or “th” (aged 6+)
ering/stuttering
• poor attention and listening
instructions
understanding •
• producing the harder speech such “l” or • the harder speech sounds sounds as such “r”, as “th”
“r”, producing “l” or “th” (aged 6+)
age-­‐appropriately
sounds speech using • age-­‐appropriately
sounds speech using •
input for over 16 schools in Cheshire
input for over 16 schools in Cheshire
We also provide regular services and training in schools and nurseries and are currently providing
nurser and schools in training and services regular provide also We
de regular services and training in schools and nurseries and are currently providing
MoneySavingExpert website showed a
16 schools in Cheshire
.chattytherapy.co.uk Email : carole@chattytherapy.co.uk Mobile : 07962 073432
Email : carole@chattytherap
www.chattytherapy.co.uk carole@chattytherapy.co.uk 07962 073432
in Cuddington.
in Cuddington.
and effective speech and language
Chatty Therapy offers fun and effective speech and language therapy in a comfortable clinic
fun offers Therapy Chatty
• social communication issues
• poor vocabulary understanding and use
using grammar – issues such as “me do it” or pronoun con
• using grammar – issues such as “me do it” or pronoun confusion (“he” instead of “she”)
•
• stammering/stuttering
• poor attention and listening
instructions
understanding •
16 schools in Cheshire
in schools and nurseries and are currently providing
training and services regular de
offers fun and
if your child has any of the following difficulties:
We can help if your child has any of the following difficulties:
Chatty Therapy
help can We
• social communication issues
and language
speech
effective
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therapy in a
• stammering/stuttering
clinic in
py offers fun and effective speech and language therapy in a comfortable clinic
comfortable
difficulties:
following the of any has child your if help can We
n.
Cuddington.
• It’s essential to have a plan in place for what
happens to the joint funds if the relationship
ends or if one of the account holders falls ill.
Discuss and document this plan beforehand to
avoid potential confl icts in the future.
A survey of over 24,000 people on the
marked difference between the generations in
the adoption of shared funds.
18 To advertise call: 01928 627 343 or email: helsbytohand@btinternet.com
• Poor attention and listening
instructions
Understanding •
your child has any of the following difficulties:
: www.chattytherapy.co.uk Email : carole@chattytherap
Website : www.chattytherapy.co.uk Email : carole@chattytherapy.co.uk Mobile : 07962 073432
Website
• Poor vocabulary understanding and use
issues
communication Social •
standing instructions
confusion (“he” instead of “she”)
ttention and listening
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or it” do “me as such issues – grammar Using •
communication issues
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ocabulary understanding and use
clearly
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grammar – issues such as “me do it” or pronoun confusion (“he” instead of “she”)
•
speech sounds age-­‐appropriately
cing the harder speech sounds such as “r”, “l” or “th” (aged 6+)
are currently providing input for over 16 schools in Cheshire.
and
nurseries and schools in training and services regular provide also We
ering/stuttering
www.chattytherapy.co.uk carole@chattytherapy.co.uk 07962 073432
.chattytherapy.co.uk Email : carole@chattytherapy.co.uk Mobile : 07962 073432