Budgeting

Seven (7) money questions I received over the summer

This summer was a busy one at Pamela George Financial Literacy Inc. (PGFL). This summer, I received more Facebook and email questions than I have received for all of the first half of 2021. I welcome these questions, as most times it is usually the beginning of more questions and a more in- depth conversation …

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How has the pandemic affected you?

There are people coming out of this lockdown with more money than they have ever seen. While there are others who are forced to move in with family because they have lost their livelihood and can no longer afford to support themselves. I call this the great Covid-19 divide. Regardless of how this pandemic has …

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Should you rent or should you own: What’s right for you?

Should you rent or should you own: What's right for you?

Did you grow up with the impression that owning a home was the best investment you could make for your future? That owning a home somehow meant you had made it as a successful adult? Hopefully, you haven’t felt pressure to own a home, but the unfortunate reality is, most of us have. Over the …

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Reducing stress by budgeting for the holiday season

With the holiday season quickly approaching, it’s possible you’re feeling the beginnings of some finance-related stress. Whether you’ve overspent in the past and are worried about it becoming a pattern, your family has grown and you seem to have a never-ending list of people to buy for, or the year has already thrown some financial …

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5 things you can do to start building your emergency fund

We should all have an emergency fund. The amount for this fund varies, depending on who you ask. I believe, if you are self-employed, you should aim for six month’s worth of expenses. If you are permanently employed, I suggest the equivalent of three month’s income. Below are five tips you can use to start …

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My client Jenny wrote her money story, which ended up more like a testimonial for how I work with my clients. I am so grateful to her for taking the time to do this and for giving me the opportunity to work with her. Read Jenny’s money story below: “Before I met Pamela, I had …

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What story is your credit report telling?

Your credit report tells your financial story, and your credit score, most times, will have the final word. But what if the financial story that your credit report tells, is not the whole story? I am reminded of a 2009 Ted Talk by Chimamanda Ngozi Adichie where Adichie pointed out the dangers of a single …

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I have a headache

“I have a headache” “I’m too tired” “I’m too busy” “I don’t want to right now” No, I’m not talking about sex, at least not directly. Do you say those words to your partner when they ask to talk to you about money or when they ask you to sit with them while they pay …

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4 reasons why you find it difficult to stick to your budget

Why can’t I just stick to my budget?! I am guessing that you probably ask yourself that question more times than you care to remember. Here are four reasons why you are probably struggling with sticking to your budget. 1.You think it is too complicated. You build your budget and promised yourself to stick to …

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