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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 we…
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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 will…
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