Yearly Archives - 2013

How Small Business Owners are Cheating Themselves

Today we feature our guest blogger, Kim Roberts. She graciously volunteered to share her expertise on bookkeeping: Recently I’ve become interested in a local reality television show where small business owners present their cases for funding to various financing organisations.  One of the things that struck me most is that several of the business persons had little to no financial record keeping in place. It was shocking and a little appalling to hear that businesses that had been functional for years, had [...]

How to Cope If You Fail

Failures are sometimes not the easiest defeats to get over. They can take a toll on us physically and emotionally.  If we are not careful, feelings of despair can come on pretty strongly and result in feelings of hopelessness. But to combat hopelessness, we have four simple ways of coping: Forgive yourself – Don’t be so hard on yourself. We sometimes set unrealistic expectations of ourselves. We get mad and think the worst things about ourselves. If only I was smarter. How [...]

What If You Need a Plan B

Life happens.  We don’t go planning for delays or setbacks, but they do occur. Let’s say you and your family were planning a vacation for over a year. You’re pretty much excited and ready to go, but you recently found out that your roof is leaking. What are you going to do? We all experience financial setbacks from time to time. We sometimes have a pity party and think we are being we are denied the opportunity to achieve Plan A. Not really. It’s much like [...]

The Importance of Planning Ahead

Is it always easy to make a plan? And to stick to it? Are we so easily daunted by the amount of tasks that comes with planning, especially when it comes to our finances? Do we wait until we have to rush to get our affairs in order? The answer is simple. Yes. To prevent the frustration and at times the anguish that comes with planning, we have a solution. Plan ahead. Planning ahead makes us better prepared. The better prepared we are, the less [...]

How To Set Goals for 2014

We’ve all heard that it’s tradition to make new year resolutions, make a plan and stick to it. Unfortunately, in most cases we don’t manage to make it past day one in the new year.    But before you become apprehensive about setting goals, we have our definitions of what a plan is and what goals are. A plan is considered a map for a journey. Goals are considered series of steps taken to reach a destination. Now that doesn’t sound half bad. The [...]

Healthy Ways to Treat Yourself

You have achieved your weight goal. Way to go! You just found out about your job promotion. Congratulations!  You just got of debt. What an achievement! How does one celebrate one’s victories? Wisely and prudently of course. For example, an increase in salary does not automatically mean an increase in lifestyle. Think about it. There are healthy ways in which you can treat yourself without having to break the bank or swipe your credit card. Here’s how: Gift Cards – The wonderful thing about gift cards is [...]

The Role of the Financial Planner

Many have been scarred by unfortunate experiences with financial planners.   Some have had run ins with financial planners who only sought to get a cut from their financial gain. Some have been on the receiving end of bad financial advice. But, there are financial planners who keep their clients’ best interests in mind. They seek to provide the most excellent service to those who come through their doors. They tend to possess a strong work ethic. To correct the erred view of financial [...]

Recovering From Financial Disappointment

Who likes to fail? Let’s see the hands of those who like to lose!  We are all driven by the innate desire to succeed. Because if we win, we feel good. If we win, we know we’re good. But then there are times in life where we will experience disappointment. Sometimes things don’t go our way or turn out the way we want, especially when it comes to our finances. I have a secret to share with you. Did you know that every financial [...]

Recovering Financially from The Crop Over Festival

Whether you are a lover of the music and arts, the bands or the food, this blog is for you. We all come from different walks of life, have different tastes and just love to have a good time. There are various events this Crop Over season that will just catch our eye and compel us to go. So we will go. But after the excitement has passed, you will realise you made quite an investment into the festivities.  How do [...]

How To Take Personal Responsibility For Your Finances

When we were children, we had not a care in the world. All of our needs were well taken care of. Daddy and mummy worked, put us through school, fed and clothed us.  Now that we are grown up, we have to look after ourselves. We have to do the cooking. We got to make sure we are on time for work. And the responsibilities add up. As stated earlier, our parents took care of everything, including the money. [...]

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