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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!

 

2021 Year in Review and Setting Goals for 2022

2021 Year in Review and Setting Goals for 2022

Intro PREPARING FOR 2022!Are you ready to kick-start your 2022? I wrote this 2021 Year in Review and kick-starter for 2022 to help you reflect and set goals for the new year. You don’t have to set goals at the beginning of the year, you can actually do it at any time....

How to Budget in 2022

How to Budget in 2022

Intro Start the New Year with a Savings GoalSince 2022 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...

Your Financial Holiday Gift Guide!

Your Financial Holiday Gift Guide!

Intro Your Holiday Financial Gift Guide!The holidays are rolling around and you are ready to start the journey towards financial freedom. Perhaps you have already embarked on the trip but need some guidance along the way. You may also have a friend or family member...

Calculating Your Net Pay

Calculating Your Net Pay

Intro What are all these deductions and why do i have to pay them? You have received your payslip as a new employee (or one working for a couple of years) but you have no idea what the items on it really mean. No worries! By the time you’ve finished this article you...

Increase in NIS Insurable Wage Ceiling

Increase in NIS Insurable Wage Ceiling

April 2021 - increase in insurable wage ceiling for the national insurance scheme       If you see National Insurance Scheme (NIS) being deducted from your gross pay, as of April 2021 expect to see an increase in the amount being deducted IF you earn more than...

Consolidating Debt – Jamaica

Consolidating Debt – Jamaica

 How To Reduce Your Debt You find yourself overwhelmed with debt and you don’t know what do or where to start. Many of us have arrived in this position and feel like there is no way out. There are success stories of persons who have turned around their life and...

Car Loan Survey – Results

Car Loan Survey – Results

Intro Where do Most people borrow from and who gives the best service?An auto loan survey was issued to persons in Jamaica on Aug 6, 2020 via Twitter. The respondents were asked questions on their experience in five (5) main categories: Where they got the loan, how...

Saving for a Mortgage

Saving for a Mortgage

Intro What are some guidelines for saving for your first home?You did some research on the housing market and decided that you want to buy a 2 bedroom apartment in Norbrook, or perhaps you did some further assessments and then decided that you could only manage a quad...