Financial Centsibility
“Financial freedom is available to all those who learn about it and work for it.” Robert Kiyosaki – Author of Rich Dad, Poor Dad
Hi’ i’m Gillian! Welcome to my financial blog. Explore my articles or calculators to understand some of the more complex aspects of making a financial decision!
Your NHT Benefits Explained
Intro What are the Benefits being Offered by the NHT?Are you thinking about buying a home but have no idea what the benefits of using the NHT are or perhaps you are making NHT contributions and don’t know why or how you can get them refunded? I spoke about a few of...
8 Things To Ask Your Mortgage Officer
Intro Are You Considering Home Ownership but Don't Know What Questions To Ask?Asking the right questions in the loan application process can help to alleviate frustration on both your part and the part of the mortgage officer, who may take it for granted that you know...
Reducing Balance vs Add-On Loan
Intro Which One Costs More - Reducing Balance or Add On?I was recently a guest on the Earning Season Podcast and I spoke about the journey towards home ownership, which included everything from applying for a loan, to searching for a house to what to expect as a new...
A Survey on Mortgages in Jamaica
Intro What is the Mortgage Process Like in Jamaica?A survey was conducted via Survey Monkey and issued to Jamaican mortgagors from Dec 13th to Dec 17th to assess their views on various aspects of the mortgage process. There were fifty (50) responses, summaries of...
Credit Cards in Jamaica
Intro What Is The Credit Card Market like in Jamaica?Although many may think using a credit card is easy, I don’t take it for granted that everyone knows the benefits and pitfalls of having one. I have been using credit cards for years and wanted to provide some...
How to Budget in 2020! – Templates Included
Intro Start the New Year with a Savings GoalSince 2020 is rolling around I thought I would share some of the budgeting tips and templates that I’ve used over time. Perhaps you are saving towards a life goal like a wedding or a house purchase, school etc. or perhaps...
Considerations for Renting vs. Buying
Intro Trying to Decide Whether To Rent or Buy?Did you know that mortgage interest rates are lower than they have ever been in recent times? Did you know your landlord has the right to raise your rent by 7.5% each year? Do you know that you should save at least 20% of...
Financial Calculators
Download these Financial Calculators To Help You Make Your Financial Decisions: (Click 'File' and 'Download' to save the Google Sheets and make the desired changes) Details Exploring The World.. One Data Point at a Time Get In TouchKingston, Jamaica Email:...
A Career in Actuarial Science
Intro What is Actuarial Science? Details Exploring The World.. One Data Point at a Time USING DATA TO MAKE DECISIONS When you are trying to make a difficult financial decision, it is sometimes hard to access the right information in a way that is clear and easy...