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.


Until next time,

Saturday, 15 February 2020



Say 'Yes' to all of these questions and I'll say no more!
  1. Do you use bottled water to shower?
  2. Do you use bottled water to cook?
  3. Do you use bottled water to brush your teeth?
  4. Do you use bottled water to wash your food?
  5. Or do you wash your hair with bottled water?
  6. Does your whole family use bottled water for all of these things?
  7. Do you wash your dirty clothes and dishes with bottled water?
  8. Is water man-made?
  9. Oh, before I forget to ask, do you drink tap water at restaurants?

You get my drift.

Hello and welcome back. I've spoken on this topic sometime in the past. I think it was in my all female Facebook group. Anyway, let's break it down even further!

What has water got to do with financial literacy or education? A lot!
Sawyerrs' House
I'll simply put it this way. If bottled water is costing you an arm and a leg, drink what comes out of your tap. But why Deborah? Are you thinking to yourself right now, I just can't live without bottled water? Hear this, you are paying for water two times over. 

Here's a YouTube video I'd like you to watch. It's called Spendaholics. Scroll to 10 mins and to 15 mins where she gets round the issue.

Think about it. When you get your monthly paycheck after tax, you pay for your water bill out of it. Then, you dig into the rest of your pay packet and pay for bottled water.

What I am not saying is, 'don't buy bottled water'. This post isn't for you if you don't have access to clean drinking water.

What I am saying is this:

  • Tap water is just as treated as bottled water.
  • The plastic containers water are sold in are bad for our environment.
  • Just get a pretty glass bottle, fill it up with tap water. Keep it moving.
  • The Western world has free clean water. I hope we remember this.
  • Some developing nations don't have water at all - let alone dirty water. Please remember this.

Sunday, 29 December 2019

The Power of 3 as a Thank You

The Power of 3

It has been such a long time that I sat down to write anything. Suddenly, it occurred to me how I've been working in 3's without even realising it.

I'm no poet, but here we go:

3 stages in your financial blueprint
The foundation, structure and apex

3 bank accounts is what you need
The Need-to, The Want-to, The Must-do

3 percentages to your Money Makeover
50%, 10%, 40%

3 taglines

The Power of 3

3 is half of 6, the number of kids flashcards
Budget. Needs. Wants. Bucketlist. Save. Invest

3 years ago, Sawyerrs' House was established
You have made it happen. Thank you so very much.

Power of 3

Friday, 8 November 2019

Borrow-To-Horror [ How To Avoid This Happening to You]


Halloween may be over, but how much more financial nightmares can we afford to handle?

If you want to avoid the joy of borrowing turning into a nightmare of horror, click here to read what mine and that of others looks like.

One thing I can definitely say is that even I learnt so much from the other stories.

Until next time,
Much 💙

Thursday, 7 November 2019

Shop Till You Drop [A Handy Survival Kit for the Savvy Shopper]

Shop Till You Drop [A Handy Survival Kit for the Savvy Shopper]
Shop Till You Drop 

Shopping for the purpose of gifting is a fantastic gesture from one person to another. However, we must think with our heads and not just our hearts.

It does not matter if you are purchasing a gift during Thanksgiving or Christmas for a loved one or whether the gift is for you.

Real life story

Sometime last year, my sister was telling me how she overhead two female shoppers laminating about their spending. It was during the holiday season. One of the women was laminating about maxing out her credit credit on shopping for others. 

She then went on to say that she'll have to use monies from her January paycheck to cover her credit card.

I'm sharing this because this could happen to anyone of us. The unfortunate thing this that she would have to sacrifice some of her disposal income. As a result, she may even fall behind with other payments. Not to mention that it may take longer than one month to clear the debt. 

1) Tool kit #1
Let's focus on the errors we as shoppers make during the holiday season. Credit card spending is the first of these.

Shoppers who max out their credit cards to purchase gift items during the holidays do this because it is the one time of year when they may get to impress others with a kind gesture. Shoppers can avoid using their credit card by leaving their card at home. It removes the temptation of using their card.

Pretty basic, right! Nonetheless, we can get carried away what with all the bright lights going up in the shops.

Leading on from my first point, particularly when it comes to not having sufficient disposal income - desperation can quickly find its way into our heads.

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