Tuesday, 10 November 2020

Don't Believe The H.Y.P.E


Tech Tuesday, Cyber Monday, Black Friday or the Holiday Season are those buzzwords which definitely gets me excited!  Sometimes, retail therapy is the only cure.  It's great for relieving tension - or is that just a fallacy? Does it get your excited?




At the same time, some are already stressing over what to buy for that person they just can't stand. Some are so worried about how much to spend on which relative, which relative is worth getting an expensive gift compared to another. 

Now, there are some, who have decided to get into debt for someone else.



 
Stop! Stop!! Stop!!! Wait a minute. 

What I'm not saying isn't that you shouldn't spend. Far from it. What I am saying is that we take a moment or two to stop and have a little think. This year has, and continues to be a totally different year in so so many ways. We definitely deserve to let our hair down a little.

Take a moment to think back a few months ago. We were stuck indoors. We couldn't see our loved ones and families. Our mental health was severely at stake - whilst some are still struggling with their mental health.

I look at it this way, if I was so desperate to spend a little bit more quality time with family, it goes without saying, that, shopping has to be different this year. Time is Money, is a well known saying which I still believe in.

There is absolutely no joy in you stressing and worrying about spending money when you simply do not, or cannot afford to do so. Not forgetting that so many households were hard hit by the lockdown. You deserve to have some time to recover.



Did you ever think that there'd be a day when the single most important piece of item we must N.E.V.E.R. leave home without is a MASK! 

I kid you not, my aim is to make this post a lighthearted chit chat.

You are probably wondering, so what do you suggest I do to curb that itch for some in-store retail therapy?

 
REASONS TO AVOID  IN-STORE RETAIL THERAPY IN 2020
  1. You are safer at home.
  2. The atmosphere and buzz won't be the same.
  3. The parking wardens are still working - they are considered an essential service.
  4. You are likely to forget one very important person on the list.

WHAT CAN YOU TO 

  • watch an old movie with you oldest child.
  • think about how stress-free you will feel.
  • bake a cake or two.
The list could on forever. Here is my question to you and I? What was it about our families that we cherished during the lockdown? 

Remember, the time we share with our loved ones is more valuable than what we spend on gifts and cards.

Thank you for the read.

Until next time,
Much 💙
Deborah

Monday, 25 May 2020

5 Reasons Why Payment Holiday Isn't a Holiday


Payment Holiday

Hello and a warm welcome back to another blog post. Let's address the elephant in the closet by delving into this whole topic of payment holiday.

I was speaking to a good friend a few days ago about the truth behind this wonderful phrase called 'payment holiday' which has been floating around for a few weeks. Anyway, my friend and I discussed it in great detail. At the same time, I was also lamenting about feeling guilty with continuing  to talk about financial literacy at a time like this. 

By the time we had finished our conversation, the feeling of guilt had disappeared! Yes, it's wonderful to have great support network. I also felt so happy that I was able to impact knowledge on 'payment holiday' with my dear friend.

Okay, so, first off, it's called a payment holiday. The operative word is - holiday. It is also in the singular form. This means that you only have one option. Otherwise, it would be referred to as 'payment holidays'.

Who doesn't thoroughly enjoy a holiday and also dread going back to the realities of life. Well, the same goes for a payment holiday.

5 REASONS WHY PAYMENT HOLIDAY IS NOT A HOLIDAY

  1. You are able to continue to make regular payments: if you are able to, and can afford to continue to make payments, do so.
  2. You can make some payments: it is better to make some payment versus no payment whatsoever.
  3. . You are unsure about what will happen after the holiday is over: consider what life would be like for you once the 'new normal' is here.
  4. You have failed to enquire about other payment options: a payment holiday is NOT a new concept within the financial industry.

Tuesday, 7 April 2020

Effective Ways To Contact Financial Institutions



Effective Ways to Contact Financial Institutions
Hey hey there. Hope you are hanging in there. Oh yes, I've had my own personal experiences of contacting a few financial institutions. I had to wait for two hours on the telephone at one point.

Here are the best and effective ways to contact your financial institution:

Best Ways To Contact Financial Institutions


  1. Live chat: typically, staff who cover the live chat part of a business do not work in an office. They are usually remote workers working separately to staff we meet on a day-to-day basis. These staff are available to speak.
  2. Email: yes, good old email still works. You've never received a response so fast in your life!
  3. Contact form: remember those forms we sometimes fill out online and totally forget about? Try them too. They work just as great, if not even better.
  4. And finally, Bot. The AI (artificial intelligence) that answers standard questions. This is probably the least useful of them all.
Please do not provide personal information, usernames or passwords EVER!

If you must speak to someone on the phone, be ready to wait.

Be Ready To Wait


As with anything I write or say, Spend BETTER by saving your much needed data. 

N.B - there are a few other ways of contacting these companies such as video call and WhatsApp.

#WeAreInItTogether

Until next time,
Much💛
Deborah

Featured post

Don't Believe The H.Y.P.E

Tech Tuesday, Cyber Monday, Black Friday or the Holiday Season are those buzzwords which definitely gets me excited!  Sometimes, retail ther...

Popular Posts