May 18th, 2026 | Andrew Hagger | News

Serving in the armed forces is a noble career. Life doesn’t end when you finish your stint, though. As a veteran, keeping your finances in good health is a key step to building a better future. 

It sounds like a daunting prospect but several steps may be taken to support your cause. Focus on the following and you won’t go far wrong.

Claim Financial Entitlements

As a military veteran, you may be entitled to several financial benefits. There should be no doubt about utilising them. However, only you can take charge of the situation through the necessary research and applications.

There is a chance that serving your country resulted in health issues. Gaining armed forces hearing loss claim advice is very important if you have any symptoms. The issue already impacts daily life. It should not threaten your financial health too.

You may be entitled to a host of other financial supports. This could include Guaranteed Income Payment (GIP), child payments, and personal independent payment. You may also be entitled to free services due to ex-military status, or even your age.

Invest In Your Health

Nothing in this life is more valuable than your health. Not least because military service may have taken its toll on more than just your hearing. Aside from adding value to daily life, preserving good health saves you a fortune in later life.

You already appreciate the value of staying active and smart nutrition. However, you should also consider physical therapies to protect your posture and manage any chronic pain. PTSD mental health experts may also play a key role. Do not ignore this.

Staying healthy ultimately saves you a lot of money on medications, home adaptations, and other costs in later life. In truth, those financial incentives aren’t as important as leading a happier life. Still, they are a noteworthy bonus.

Reduce Financial Waste 

There’s nothing wrong with spending money in life. Still, wasting it is where problems start to emerge, not least as your income is likely to fall while living costs soar. Taking control of the situation means making active savings where you can.

Military veterans can often secure discounts at various shops, as well as reduced bills. You should capitalise on these opportunities. It’s equally important, however, to focus on the general money saving tips that should be used by everyone.

Losing unneeded services, reducing food waste, and changing utility suppliers are all good options. Aside from the financial benefits, you should find that this makes life feel significantly less stressful.

Keep Earning 

Regardless of how much money you spend, life is always easier when you have more revenue. This could mean starting an entirely new career, or taking on a part-time role. Alternatively, you could look to start a small business.

To reduce the pressure further, you should look to establish secondary revenue streams. From investing to affiliate marketing, there are several options that can boost your income. Better still, you can get a lot of enjoyment from those activities. 

Even if you continue to work away from the armed forces, those additional revenue streams don’t only serve you well now. They’ll have a huge impact once you retire.

May 16th, 2026 | Andrew Hagger | News

If you’re someone who’s looking to achieve long-term financial growth, there are several ways in which you can achieve that through investment.

Investment nowadays is no longer limited to those with deep pockets and an already healthy bank balance. Many can begin their investments with just £100 in their bank account – or less!

Knowledge is power, and when it comes to financial growth, these are some of the best ways to invest your money for long-term success.

Best Long-Term Investment Strategies

When it comes to the best long-term investment strategies, there are a few to get you started. 

Stocks and Shares ISA

A Stocks and Shares ISA allows you to invest in up to £20,000 per tax year to help shelter your money from capital gains and income tax. It’s considered one of the most popular when it comes to growth.

Pensions and SIPPS

Pensions and SIPPS offer significant tax relief and make them ideal for long-term retirement planning. However, funds are often locked until the age of 55 or older, so it’s important to know when you’re able to access your retirement fund.

Diversified Funds & EFTs

Rather than having to pick individual stocks, you can consider investing in ‘baskets’ of companies to help spread the risk. FTSE 100 or global trackers tend to be the popular choice when it comes to diversified funds and EFTs.

Lifetime ISA

A Lifetime ISA is often considered a great option for first-time buyers or retirement. It allows for up to £4,000 annually with the addition of a 25% government bonus. It’s a great way to be able to save a good amount of money that you can use for your first home or to contribute to your retirement fund.

Regular Savings Investing

‘Drip-feeding’ money regularly into investments are able to reduce the risk of buying at the wrong time. It also helps you build positive money habits.

Considerations When Investing Your Money

It’s good to invest your money, but there are some considerations to think about before you commit to anything financially.

Time horizon

Long-term generally means around 5-10 years or longer, so you can ride out the short-term market volatility. However, investing for over a decade or more is a long time, so you’ll want to acknowledge that this will be a financial commitment you stick to.

Compound growth

Starting early is crucial, and investing early will allow you to earn returns on both your principal and previous returns. That’s why investing over time improves the amount you make on that investment.

Fees

It’s worth exploring low-cost platforms to help maximise net returns. From InvestEngine to Vanguard, fees are certainly worth trying to minimise where you can.

Best Actionable Steps

In order to help invest money in the long-term, there are several actionable steps to achieve financial growth in 2026 and beyond.

Build an emergency fund

When it comes to building an emergency fund, it’s good to contribute to it each month as though it’s a fixed bill coming out of your account. Ideally, you want to have around 3-6 months of expenses in cash before you begin investing. 

Look at what money you can set aside to begin with and build into the fund so that you have plenty of available funds to begin investing.

Use tax wrappers

You should always try to use your tax wrappers first. That means using your ISA and pension allowances first before anything else.

Diversify your portfolio

It’s also important that you’re not putting all of your eggs in one basket. Don’t put all of your money in one company or asset. Instead, look at a variety of options and try to spread your money evenly.

As the investments grow and more funds become available to spend, that’s where you can expand on your investments and tip the scales on how much to invest in each asset.

Seek professional advice

Finally, it’s good to seek professional advice when it comes to how you manage your finances. Even with experience in investing, you may not know everything, including the benefits or disadvantages of certain investment assets. It’s always good to seek professional advice from professionals where possible.

Investing your money is something that really helps to build your funds and sets you up in life for the better. Consider what investments to explore in order to build long-term financial growth for the future.

May 14th, 2026 | Andrew Hagger | News

Make sure your business stays compliant with our expert-written guide. 

UK tax compliance 

One of the most crucial areas of compliance for your business is with the UK tax rules. Indeed, there are several important rules by which you must abide. One of these is making sure that you register for VAT as soon as your turnover threshold reaches £90,000. You must also file monthly PAYE submissions to HMRC, and keep to the ‘9 months after the year-end’ tax deadline. 

It’s also vital to note that businesses in the UK need 6 years of tax records in case of HMRC audits. Remember too that if you are a director of a company, you will be able to complete a self-assessment. However, you will need to do so alongside personal tax assessment, too. 

Health and safety compliance 

Health and safety is another area of compliance of which all UK businesses need to be mindful. It’s crucial to bear in mind that health and safety rules and guidance are not arbitrary. Instead, they are designed to minimise the risk of accidents and injury in the workplace and keep your employees and customers safe. 

Risk assessment is one of the most important aspects of health and safety compliance in business. These need to be formally documented and regularly reviewed to ensure they stay in date. Any accidents that happen must also be recorded in an accident log in line with RIDDOR guidance. Staff training also needs to be tracked. This will help protect your business from legal issues by showing you have provided the training needed. 

Employment law compliance 

To stay compliant in terms of employment law you must ensure that every employee has a written contract that is signed and dated. You also have to meet the UK minimum wage at all times. This means you will need to check every may to see whether it’s gone up and adjust your finances and payroll accordingly. 

By law, every full-time employee is entitled to 28 days of paid holiday. This means you will need to set up a calendar to both plan and track this. This will do two things. The first is that it makes sure everyone gets what they are entitled to. The second is that you also have enough people around for your business to run while they are away. 

You must also follow the correct procedures when it comes to dismissing any employee. If you do not you can make your business vulnerable to employment tribunals. Although the good news is that, if you do find yourself in such a situation, you can team up with expert solicitors to handle your dispute. In this way, you can boost your chances of a positive outcome. You can also save your business from the financial and reputational damage associated with such a case. 

Data protection compliance 

Last but not least, your business must be compliant with the latest data protection legislation. In the UK, this includes GDPR. In particular, any data breaches must be reported to the ICO within 72 hours of them happening. 

May 13th, 2026 | Andrew Hagger | News

Are you interested in improving your industry event? If so, then there are lots of different elements that you might want to think about exploring. Here are some of the best possibilities that are absolutely worth considering during your planning stages.

Photography 

First, you should make sure that you are thinking about using a photography team. Why is photography so important? Well, without photography, you won’t be able to increase the impact of the business event beyond the people who are actually attending. With photography, you can promote your event on social media or on your website. This will mean that you can get more attention weeks after your event and you might even find it increases your ROI. You can even use event videography to build hype and attention beyond the day of the business event itself. 

Entertainment

Next, you should make sure that you are thinking about entertainment. It’s tempting to think that business events should be strictly event. However, in reality, this can make your event dull and dreary. It can turn people off and mean that people won’t convert. At the same time, you should not choose random entertainment choices for your business event. Instead, for the greatest possible impact, you need to make sure that you are choosing entertainment options that are going to be relevant and interesting for your specific target audience. Think about the demographic as well as the gender of your audience. 

Location 

Another element that you might want to think about is your business event location. Specifically, you should make sure that you are thinking about elements such as transport links. You need to guarantee that it’s as easy as possible for people to get your business event. If you don’t do this, then there’s a real risk that they are just going to ignore the event because it’s too out of the way. Similarly, if you put it in a place with high foot traffic, then it’s going to be easier to hit those high attendance numbers that you are looking for. 

Budget 

Last but certainly not least, you absolutely need to think about your budget. Be aware that a business event can be far more expensive than most people realise. If you are worried about this, then you might want to research and find out exactly how much you need to save. For instance, if you are attending a trade show, then there could be bills that are at least fifty thousand. This can increase if you are thinking about using a bespoke trade booth. Be aware that there are lots of ways that you can reduce your budget but a lot of times, the more you spend, the more success you gain. 

We hope this helps you understand some of the key steps that you should take to set up a business event the right way. In doing so, you can make sure that you get more from your exhibition and that it delivers the ROI that you are hoping for. 

May 12th, 2026 | Andrew Hagger | News

The modern British professional landscape is a relentless environment. The arrival of agentic AI and hyper-connectivity has not, as promised, cleared our plates. Instead, it has accelerated the pace of expectations. Today’s leaders face a constant barrage of demands and a level of decision fatigue that can stifle even the most creative minds.

In this context, the personal assistant (PA) has undergone significant changes. No longer merely a status symbol of the corporate elite, the PA has emerged as a critical productivity enabler, a strategic partner who manages the noise so the professional can focus on the signal.

The Hidden Cost of Doing Everything Yourself

Many high achievers fall into the trap of believing they can, and should, manage every facet of their professional lives. However, the hidden costs of self-management are staggering. Every hour spent wrestling with diary clashes or filtering a bloated inbox is an hour lost to strategic thinking and revenue-generating activity.

This is the opportunity cost of admin. For a senior professional, the value of their time is significant – using it on tasks a specialist could handle is a poor use of resources. Beyond the financial aspect, the mental switching cost (the time it takes to refocus after being interrupted by a logistical task) drastically reduces the quality of one’s output.

What a Personal Assistant Really Does Today

The modern PA is a multifaceted operative. While diary and inbox management remain core pillars, their remit has expanded into operational oversight. They act as the primary gatekeepers for stakeholder communication, ensuring that only the most vital information reaches the professional’s desk.

From coordinating complex international travel itineraries to supporting specific project workflows, a PA provides the logistical backbone that allows a business to function seamlessly. They often possess a level of emotional intelligence that allows them to navigate office politics and stakeholder relationships with a discretion that is invaluable to a busy executive.

How a PA Unlocks Better Performance

The primary gift a PA offers is cognitive clarity. By delegating the logistical heavy lifting, a professional can significantly reduce their cognitive load. It leads to improved prioritisation and a sharper focus on core KPIs.

You’ll also find that hiring a PA also enhances a professional’s public reputation: they ensure a level of responsiveness and meticulous attention to detail that is difficult to maintain on one’s own, enhancing the overall sense of professionalism associated with the executive’s office.

Finding the Right Personal Assistant Fit

Success in this partnership depends entirely on alignment. A PA needs more than just technical skills. They require the discretion and cultural fit to act as an extension of the professional they support. Because the relationship is so high-stakes, specialist recruitment is essential.

Firms such as Tiger Recruitment specialise in sourcing high-calibre PAs who possess the specific blend of initiative and poise required for senior support roles. Finding an assistant who understands your working style can be the difference between a helpful employee and a transformative career asset.

May 12th, 2026 | Andrew Hagger | News

For UK investors, investing in SMEs offers access to agile, innovative businesses that are the backbone of the UK economy and drive growth. With strong government incentives and increasing demand for niche services, SMEs are a highly appealing option for investors looking for long-term value. This post will explore the reasons why investing in UK SMEs is a smart option in 2026. Interested? Read on to find out more.

Market Opportunity

Did you know that SMEs represent over 99% of UK businesses? This means that there is a broad landscape for investment across wide-ranging sectors, including technology, logistics, and hospitality, just as a few examples. This allows investors to find SMEs with potential for growth and in sectors that interest them.

Growth Potential

SMEs have the ability to innovate and adapt quickly, enabling them to outperform slower, larger competitors. This is key during a time when the landscape is evolving with technological developments, stricter regulations, and changing customer expectations and trends.

Tax Efficient Schemes

There are also government-backed initiatives that can make investing in SMEs even more appealing. The Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) offer significant tax reliefs, helping to enhance potential profit returns and reduce risk for investors compared to investing in larger businesses.

Strategic Delivery Capabilities as a Competitive Asset

Strategic delivery capabilities create a lucrative domino effect for SMEs, strengthening operations at every stage. By partnering with fast, reliable same-day providers, businesses can accelerate fulfillment, respond instantly to urgent orders, and maintain service levels that rival much larger competitors.

Digital Transformation

Technological developments are changing the landscape, and SMEs can benefit from the adoption of digital tools to enhance operations and compete at a higher level. Cloud-based systems, ecommerce platforms, and AI can enhance efficiency, extend customer reach, build resilience, and much more.

Leadership & Vision

SMEs tend to have strong leadership with clear strategies, sector expertise, and a drive to succeed. This increases a business’s investment appeal and is a defining feature of successful smaller businesses.

Scalability

Scalability is a critical consideration factor for investors. SMEs often have flexible business models and low capital requirements, which can make them more agile and able to expand quickly without significant financial strain.

As you can see, SMEs are an appealing option for UK investors. With market diversity, tax initiatives, and growth potential, SMEs are the backbone of the UK economy and create opportunities for investors looking for portfolio diversification, resilience, and solid returns over the long term.

May 8th, 2026 | Andrew Hagger | News

Every fare a taxi driver earns arrives against a backdrop of costs that do not pause. Fuel, insurance, licensing, maintenance. Fixed outgoings on variable income leave very little room for error.

For owner-drivers without a fleet behind them, the finance decision on a vehicle shapes every month of trading that follows. Get it wrong and the monthly repayment becomes the problem, not the solution.

Cash Flow Pressures Facing Single-Vehicle Taxi Operators

Taxi income rarely arrives in a neat pattern. A strong weekend does not offset a slow midweek stretch when the fuel bill arrives regardless. When the vehicle goes in for repairs, income stops entirely. Not dips. Stops.

Fixed costs stack up faster than many operators expect. Licensing fees run between £200 and £500 annually depending on local authority. MOT and compliance testing land on a fixed schedule. Insurance premiums arrive once a year. None of these costs flex with cash flow during a quiet month.

Seasonal changes make the month harder to read. School holidays, bank holidays, local events. Income can move sharply in either direction across a four-week period. Operators who spend freely during a good run find themselves short when the pattern reverses.

Financing Structures That Support Stable Monthly Budgets

Most taxi driver finance decisions come down to three structures: hire purchase, personal contract purchase, and leasing. Each one changes the monthly cost and what happens when the term ends.

Hire purchase spreads the vehicle cost across 36 to 60 months at fixed monthly payments. Ownership transfers at the end. The predictability makes budgeting straightforward and the asset eventually belongs to the operator outright.

Personal contract purchase offers lower monthly payments but defers a balloon payment to the end of the agreement. Operators planning to keep the vehicle need to budget for that lump sum well in advance. Those returning the vehicle avoid it but walk away with nothing built during the term.

Lease agreements remove residual value risk entirely. The operator never owns the vehicle but monthly costs stay consistent. Some arrangements fold in scheduled maintenance, which converts irregular repair bills into a predictable monthly line item.

Operators weighing these structures against real trading patterns will find that taxi finance options are different from standard personal finance. Mileage, usage intensity, and compliance requirements all matter in licensed taxi work.

Comparing Total Cost of Ownership Across Finance Types

Interest rate differences across a 48-month term add up to real money. A higher rate on a hire purchase agreement can cost thousands more in total repayments compared to a lower-rate lease over the same period. That gap is worth calculating before signing anything.

Maintenance sits differently depending on the structure. Under hire purchase, servicing falls entirely to the operator. Some lease agreements carry scheduled maintenance within the monthly cost. For a single-vehicle operator without a contingency fund, the difference between a surprise £600 repair bill and a covered service is a cash flow event.

The end of the term matters too. Hire purchase ends with ownership and no further payments. Leasing ends with a vehicle return and the option to start again on newer metal. Neither is universally better. The right answer depends on how long the operator plans to hold the vehicle and what their cash position looks like at term end.

Building Cash Reserves for Regulatory and Maintenance Costs

Licensing renewals, MOT testing, and insurance all arrive on fixed schedules. Missing any of them takes the vehicle off the road. The cost of being uninsured or unlicensed, even briefly, exceeds whatever was saved by not setting money aside.

A practical approach: treat reserves as a fixed monthly cost. An operator earning £2,500 per month and reserving 10 to 15 percent monthly builds a buffer of £3,000 to £4,500 over a year. That kind of emergency savings can cover licensing, testing, and minor repairs without requiring a financing decision in the middle of a quiet week.

Insurance payment structure can change the month more than operators expect. Annual lump sum payment is cheaper in total. Monthly instalments preserve cash through the year. The right choice depends on whether the operator has the lump sum available without thinning their working capital below a comfortable level.

EV Transition Economics for Single-Vehicle Operations

Electric taxis carry high upfront costs. The LEVC TX sits at approximately £70,000 or above. For a single-vehicle operator, the decision to finance a taxi at that level needs careful structuring, otherwise the monthly repayment can overwhelm everything else.

The Plug-in Taxi Grant has reduced this barrier for some operators, though availability and amounts have changed over time. Support also depends heavily on location. Scotland has introduced interest-free measures for EV adoption. London connects support to TfL clean air targets. Operators outside these areas typically see fewer options. That makes the finance structure even more important.

Fuel savings over time are real. An operator covering 1,000 to 1,500 miles monthly on diesel faces significant fuel costs at current UK pump prices. Mixed home and public charging on an equivalent electric vehicle generally reduces that figure. Public rapid charging narrows the gap but does not eliminate it. Maintenance costs on electric vehicles also tend to run lower due to fewer moving parts.

Insurance for electric taxis may run higher than conventional equivalents. Battery replacement costs and specialist repair requirements lead some UK insurers to apply higher premiums. Operators considering a switch need comparative quotations for both vehicle types before the finance decision is made, not after.

Getting the Structure Right

The finance decision on a taxi is not a one-time cost. It follows the operator every month for the length of the agreement. An operator locked into payments that do not flex with quiet periods has less room to absorb the costs that arrive without warning.

The right structure varies by operator. Mileage patterns, cash reserves, plans for the vehicle at term end, and appetite for ownership risk all feed into it. Running the comparison properly, across total cost and not just monthly payment, protects the breathing room that keeps a single-vehicle operation viable.

May 7th, 2026 | Andrew Hagger | News

May 7th, 2026 | Andrew Hagger | News

Starting a new business is an exciting time. It’s also a time for lots of big decisions as you prepare for the launch of your new venture. One crucial task that you will need to work on is creating an office space that will become the base for your new business. 

Creating the perfect office space for your new business is essential. The space that you work in will have a strong influence on the success of your business. Creating the right office environment will make running your new business so much simpler. In contrast, having a base for your business that’s not fit for purpose can significantly impact your ability to work efficiently. Keep reading for some handy tips to help you create the perfect office space for your new business.

Consider Your Space Needs

Having an office space that is too small for your needs can seriously hinder your productivity. Working in a tight space makes going about your daily tasks more stressful. So, it’s really helpful to consider your space needs when choosing an office for your new business. In contrast, it’s equally important to avoid leasing an office space that is much larger than your needs. Doing this can mean that you’re putting your new business under unnecessary financial pressure by paying more for space that you just don’t need right now.

It’s helpful to choose an office that is spacious enough for your business to accommodate your business experiencing some growth, without overextending your financial commitments with an expensive lease.

Focus on Design

The appearance of your office and the design elements that you choose to decorate it with are about more than just aesthetics. Of course, having an office that looks attractive is vital and will help you to impress your customers and any visitors who stop by. One increasingly popular way to achieve both of these things is to incorporate biophilic design into your office space. In recent years, biophilic office design trends have been recognized as providing a host of benefits for those who use them. This is a design trend that incorporates nature into the office space, and is believed to help improve productivity and boost employee wellbeing. So, this is definitely a design option to consider for your new space.

Configure Your Layout

Once you have chosen your office space and selected a design style for the decor, it’s time to start preparing the space for you to use. When doing this, it is crucial to think about the layout that will work best for your daily business activities. For example, do you need to create a separate space for meetings? How will you configure the desks so that they make it easy for employees to collaborate? It’s helpful to picture your daily office activities and then configure the layout around this. 

As you can see, there are many different elements that go into making your office space. Considering each of these carefully will help you create your perfect office.

May 7th, 2026 | Andrew Hagger | News

If you have recently gone through a major life change, then you will know how stressful this can be. You will also know what an impact it can have on your well-being as well as your finances. If you want to help yourself here, then one of the best things you can do is make sure that you are prepared to handle everything that may come your way, so you can gain more stability during challenging and turbulent times.

Understand your Situation

If you are going through a divorce, then you may end up losing half of your assets. You may also find that the agreements you might have had in place before the divorce are not upheld. This can have a devastating impact on your mental health, and you may find that you end up struggling for a long time after it as well. If you want to help yourself here, then one of the best things you can do is try to assess your situation so you can find a way out eventually, without losing everything you own. Job loss also has a clear effect of being able to eliminate a huge portion of your income. This can have a devastating impact on your situation as you may find that your bills end up being unpayable and that you are also unable to obtain credit while you search for a new job. Understanding your position here, claiming benefits, and ultimately making sure that you move forward are some of the best ways for you to navigate situations like this with confidence.

Other situations you may face include the loss of a loved one. For some, you may have to take some extensive time away from work to recover, which can result in you not being able to get the result you need overall. You may also have to consider the impact of losing someone on your mental health, and how hard it can be to plan and get your life back on track.

Lastly, accidents can be devastating. If you have been in a car accident, then you may find that you have bills that need to be paid to get your car back on the road. This is the last thing you need, but if the accident wasn’t your fault, there are things you can do to try to remedy the situation. You can make a car accident claim if you want, as this will help you to get the compensation you need to try and fix the issue, so you can make sure that you are not paying out of pocket for expenses that you don’t need to cover.

Make Good Investments

Another good thing to do would be for you to try to make solid investments. Investing your money wisely is so important, as it means that one day, you may be able to retire more comfortably. The stock market can be a solid place for you to invest your money, but at the same time, it does come with some degree of risk. If you do your research, however, and if you can learn about the different investment options that are out there, including mutual funds and exchange-traded funds, then this will help you a lot. There are also steps you can take to try to take the stress out of your situation as well. Working with an investment firm can be a good idea, and you can also work with a financial planner to make the most out of each bit of money you have. A financial planner can help you to create a retirement plan that suits your goals, and they can also help you with guidance on things like tax planning or even estate planning. On top of this, they can also help you with other financial matters, which is great to say the least.

Taking Back Control

Taking back control is so important. If you aren’t able to take back control over your finances, then you may find that over time, things end up becoming very overwhelming. If you want to help yourself here, then the best thing you can do is take stock of what you have and then assess the best route forward. Most of the time, this will involve you contacting someone who relates to your position. If you are going through a divorce, for example, then it may be that you work with a divorce lawyer. When you do work with a lawyer, you can then count on them to help give you the advice you need to protect your assets as much as possible. If you have been in a car accident, then it may be that you work with a car accident lawyer. Even though this will cost you, the overall outcome will be way better for you, and it will also strengthen your situation.

When you have done this, you can then create a budget that works for your new situation. You may need to put away a much bigger percentage of your funds into living expenses, and this can result in you having less savings overall. You may also find that you need to figure out the steps you need to take to adjust to where you once were. With a financial life plan, you can then create a solid overview of your circumstances, which can help you to get the results you need. You may also find that you can improve your resilience, so if things do happen again, which they undoubtedly will, you are in a better position to try and deal with things. It can be hard for you to change your lifestyle and put a pause on things that you end up living in life, but at the same time, now is probably a good time for you to try and do it, so you can do a hard reset.

It probably won’t take long for you to resume the things you once loved, either, so keep this in mind if you can, as it will help you to push through.