Ways to manage your Christmas budget and expectations 

Christmas can be a very expensive season but if planned properly you can stay within budget and actually enjoy the season. I used to find that the build-up to Christmas became very stressful due to high expectations which were difficult to meet. In this blog, I will be writing about how to manage your ChristmasContinue reading “Ways to manage your Christmas budget and expectations “

5 Habits that will help you to save consistently

One important factor of being able to manage your finances is being able to save consistently. This will help with meeting your goals and avoid falling into debt. In this blog, I will be writing about 5 habits that will help you to save consistently.  Set clear measurable savings goals. Setting specific goals will helpContinue reading “5 Habits that will help you to save consistently”

Lessons I learnt from my money mistakes

Having moved to the United Kingdom when I was in my early teens, one of the first things my mother did was to open a bank account for me. She wanted me to use it to save my money and eventually to receive my salary. Fast forward a few years later, I had a jobContinue reading “Lessons I learnt from my money mistakes”

5 Habits that could stop you from reaching your financial goals

“If your habits don’t line up with your dream, you need to either change your habits or change your dream” John Maxwell There are certain things that we may do unconsciously due to routine or because it has been engrained into our day to day processes. Over time, these processes become a habit and areContinue reading “5 Habits that could stop you from reaching your financial goals”

What is a recession and how can you prepare your finances?

A recession is when there is a widespread decline in economic activity because of loss of income or concerns about the economy. In early 2020, the world started to react to the effects of COVID-19. Due to the way the virus was spreading, it was important to limit human contact. Many businesses stopped trading, peopleContinue reading “What is a recession and how can you prepare your finances?”

COVID- 19: How to prepare your finances for an uncertain future.

In December 2019 a lot of people were probably preparing their goals for 2020, be it travel more, spend more time with family or save more. The events that started to unfold in the beginning of 2020 at first seemed unreal and as the dust settled, one thing was certain life was not going toContinue reading “COVID- 19: How to prepare your finances for an uncertain future.”

How to create a simple and effective budget

A budget is a plan for how you intend to use your money. It helps you to monitor your income and expenses. This can be a daunting process, but if done the right way you will definitely reap the rewards.  Benefits of budgeting Preparing a budget of how you intend to use your money helpsContinue reading “How to create a simple and effective budget”

Life lessons learnt from planning a wedding

When I became engaged to my now husband it was an exciting time. We decided to have our wedding back in Africa. Planning our wedding was the first major project we worked on together and here are a few things we learnt that have stuck to this day.  It is Important to know your strengthsContinue reading “Life lessons learnt from planning a wedding”

How to effectively structure your savings

I used to underestimate the need to put saving structures in place. I have now learnt that it is important to align your savings goals with liquidity time frames (cash needs to be available when needed). When my husband and I initially combined our finances, our main goal was saving for a property so weContinue reading “How to effectively structure your savings”

5 tips to beat the January blues

I once saw a meme that said “Aahh finally! The 6 months of January has ended!” This pretty much expressed how many people feel about January… its cold, dark and looong! Most employers pay their staff in mid-December so they may have spent their income even before the beginning of January.  In this blog I willContinue reading “5 tips to beat the January blues”