by savespendinvest -

Setting SMART Goals

It’s time to make SMART goals. Where do you want to be in 5 years? How about in 2? This year maybe?

We all have goals and dreams. We have things we want to do, places we want to visit and things we’d like to accomplish. However sweet our plans seem, they are nothing without actions. We all want to wake up in 5 years in our dream homes with our dream cars etc. That’s all well and good. Except from the part where we’re not changing our actions to reflect that lifestyle. We are acutely aware that our choices today determine our tomorrow. Why then do we stay doing wishful thinking instead of actively working on those goals? Nothing ever came to those who slept and dreamt sweet dreams.

 ‘Start doing and stop ‘dreaming’.
by savespendinvest -

2017 In Review & A Special Thank You

As my last post of the year 2017, I thought I’d use the opportunity to say a massive thank you to you.

For all your love and support, thank you

For the feedback and constructive criticisms, thank you

For the likes, comments, shares and subscriptions, thank you

For being patient and kind with your words, thank you

 

I appreciate every single email, comment, like and share and I do not take it for granted. So, to end the year, I thought I’d share some of the top 3 lessons I learnt during the year:

by savespendinvest -

3 Money Tips for Christmas Shopping

Ah Christmas, everyone’s favourite time of the year. Lots of family around, watching Home Alone and singing all our favourite Bublé songs.

We all love Christmas and look forward to spending time with family, friends and loved ones. But whilst it’s one of the highlights of the year to look forward to, for some, it can really put a dent in our pockets.

We don’t really think about it, it just ‘happens’, and let’s not talk about how January then tends to drag on. We need to be mindful of the fact that ’tis the season to be jolly, also means ’tis the season for money to leave your wallets. Some people call it a financial hangover, yikes!

There are so many Christmas jumpers I have bought and received over the years, most of which are somewhere, somewhere, deep into my closet. Or a suitcase. Or in storage. This year, I’m making a conscious effort to say No to the things that only make me feel good in the moment. Instead I’m saying Yes to things that will leave me happy come this time next year.

by savespendinvest -

How I went from being broke to saving £2000+ in a year

Here’s a story about going from being broke to big time woke.

Contrary to popular assumption, I’ve not always had it all together financially. I haven’t gotten into debt or done anything too crazy but towards the end of 2014/ early 2015, I was at an all time low financially. I had finished my first year of uni and decided that instead of looking for an internship over summer, I was going to create a job for myself ? #Winning #YouGoGirl #Solopreneur
FAME 2014 was one of the various projects I started in uni. A creative event that allowed creatives in the music and fashion industry to come together for the coolest mashup. Or at least that’s what my intention was.
by savespendinvest -

Investing 101: Mutual Funds

So you’ve read my post on Investing For Beginners and decided you’ll like to invest in Mutual Funds? Great, so what exactly are you investing in …

What is a Mutual Fund?

A mutual fund is a professionally managed fund that pools money together from you and other investors and uses that money to buy securities. A security is a financial instrument/asset with monetary value. Because of the diversification (mutual funds invest in stocks/equity, bonds), it’s less volatile (which means it doesn’t go up and down as much as i.e. stocks). So if a mutual fund has 100 stocks and one does bad, then you lose 1%, as opposed to a stock where if you bought that particular stock that did bad with all your money, then you’d have lost all your money.