An emergency fund is a safety net. It’s money that you need for an emergency, that is, an event that you didn’t expect, for example, major car repairs, unemployment, a large medical / dental bill. Having an emergency fund will help you to pay for those unexpected bills and help prevent you borrowing money. In this blog, we will discuss how much you should have in an emergency fund, what is an emergency and where should you keep your savings. …
My husband and I have been married for 18 years and it’s only been recently that we’ve made some progress to being on the same page with our finances. I mourn for the 18 years of lost time, the 18 years where we could have been building wealth, living like no one else so that we can live like no one else, as Dave Ramsey would say. My husband is awesome, he is generous and is always giving money away…
Are you ready to set SMART financial goals for 2022?
Dear Friends, As Omicron spreads rapidly around the world, I do hope that you will stay safe this Christmas. We have made the decision to stay in Kenya this Christmas, although we would dearly love to be with friends and family back in the UK, we thought that this was the right choice. I pray that you will be able to relax with a mince pie and some festive cheer! As I reflect on the past few months, despite the…
Debt can be crippling. If you are losing sleep because you are worried about debt, then contact an expert at one of the following agencies: Christians Against Poverty – you don’t have to be a Christian to ask for their help Citizen’s Advice Step Change Debt Advice Foundation Debt Support Trust All of the above agencies can help you, you are not alone, there is always hope. If you feel that your debt is manageable and you can be debt…
Last month, I noticed on Twitter that Catherine Morgan was getting excited as she was receiving early reviews for her new book. Being the cheeky person I am, I asked her if I could read the draft copy and write a review for it too! To my amazement, Catherine got back to me and said, “Yes!”. Please note that although I have received a free copy of the draft, all thoughts and comments are my own. Catherine Morgan is a…
With Christmas only a few days away, I thought this would be a great time to share some of our family budgeting tips on how to keep the finances under control in the festive season! We are naturally a generous family, and we would love to give, give, give! However, without the generous bank account to go with the generous nature, we must be sensible! A few years ago, we would always go over budget around Christmas, which was silly…
Winter is on the way and energy bills are increasing. If you are concerned about your energy bill this winter, then check out my top tips below to conserve both energy and heat. Wear warm sweaters and socks It sounds silly but for goodness sake don’t wear shorts and t-shirts and set the thermostat high! Find the lowest temperature that that you are comfortable with wearing warm jumpers and socks, then set your thermostat to that temperature. Set your thermostat…
This children’s book aims to teach children about money in a fun way! The author, Will Rainy, founder of Blue Tree Savings, has a clear passion to teach children about money and he does it very well in this book. The idea behind this book is simple, by thinking of money like seeds, the stories teach children about money. It’s not just the basics either, the book goes into debt, gambling, tax, strategy and more! After every chapter there is…
Back in September I was super excited to receive an email from Pete Matthew, founder of Meaningful Academy, gifting me a Foundations Level membership of Meaningful Academy. As many of you may know, my husband Bob, is most reluctant when it comes to talking about money. He grew up in a home where money wasn’t talked about, plus he suffers from depression, so feels that he’s not worthy of money. It also doesn’t help that he’s a spender (Apple /…