#09 Capital – Stories from the Pandemic
If there’s one thing that has haunted me in the past few weeks is not being able to pay attention to this blog. I’ve had good reasons to be away but obviously a better one to be here today. There’s so much drama in the salon (my current location) and rather than being fixated on…
#08 Budgeting – An Illustration
A few months back, I carried out a survey on personal finances. The goal was to study the impact of the pandemic on personal finances and delve a little deeper into the behavioural aspects of personal financial management. One of the areas studied was budgeting; the systematic approach of planning (and predicting) one’s cash flows…
#07 Budgeting – The Process
PART I A couple of years ago, I came across an idea that changed the way I budget. It proposed that the first 10% of our income be allocated to giving, the next 60% to expenditure, and the final 30% to savings & investments. There was no specific guidance on how much should be directed…
Happy Easter!
Hello There! I know it’s been weeks since I was here. The Doctor ordered some rest and while I’m only halfway through the journey, I’m happy to be back to this space. A little slower but very much here. A HUGE thank you to everyone who continues to keep it locked. I actually got a…
#06 Budgeting
My apologies for missing out on last week’s post. The article was actually 95% done but I still wanted to sit with each of the respondents (in my head) and listen to them once more. And my conclusion is this, that there are several ways to skin a cat. Today’s article introduces BUDGETING; the second…
#05 Accounting – part three
An ardent reader of this blog noted that there was a running theme of Financial Independence in the first part of this 3-part series on personal accounting [or personal finance if you prefer]. Investopedia defines the term as having enough savings, investments, and cash on hand to afford the lifestyle you want for yourself and…
#04 Accounting – part two
There has been a longstanding misconception about accountants. That we are boring [not interesting or exciting], we are bland [without anything attractive], we are blue [sad, melancholic, depressed]. I see many of my counterparts beginning to line up here to cast doubt on these aspersions. What we are is bright, beautiful [or handsome if you…
#03 Accounting
I was speaking to a friend the other day and these were her sentiments on personal accounting or personal finance if you prefer. “Personal finance is not a game of amassing wealth. It’s about balance. Balancing day to day life with the needs of the future. Giving my kids the very best now but also…
#02 Foreign Ground – part two
Read last week’s article? Here are a few accounts from my previous post that sets the stage for today’s thoughts. Everything was fine until they cut our salaries by 30%. They, then, begun delaying transfers by 10 days, 20 days, 30 days, 60 days. Yes, 60 days! I had a loan and as soon as…
#01 Foreign Ground
Personal Finance & The Pandemic: Preamble At the onset of the pandemic, I listened to an executive from the Institute of Economic Affairs – Kenya share his insights on the possible impact of the novel coronavirus. “People will begin to move upcountry…” he sort of promised. Upcountry? I went numb. What if I got laid…
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Accounting & Other Stories 