Well, I use hubby all the time! I see it as a term of endearment. Maybe it's more of a Canadian thing, but it's common here.
Overuse of 'to be honest' is a pet peeve of mine. And literally, especially when used in the wrong manner!
I probably overuse lovely, but there are lots of lovely things, and the synonyms just don't mean exactly the same.
Have anyone ever hesitated to get help at home because of not much reassurance
