Dear Reader , Do you ever find yourself confused about the difference between a sinking fund and an emergency fund? You’re not alone! While both are vital tools for financial stability, they serve distinct purposes. In my latest blog, I break down exactly what each fund is, how they work, and why you need them both to build a solid financial foundation. Whether it’s saving for planned expenses like holidays or preparing for life’s unexpected surprises, these funds can transform how you manage money. Read the Blog Now: Sinking Funds vs Emergency Funds When my husband and I started using these tools, it was a game-changer. From car repairs to annual subscriptions, sinking funds helped us plan ahead, while our emergency fund saved us from financial disasters like a broken boiler. These strategies strengthened not just our finances but also our relationship. Ready to simplify your finances and feel in control? Learn More: How to Set Up Sinking and Emergency Funds Let’s take the confusion out of budgeting and make your money work harder for you! Love,
P.S. If you'd like personalised guidance to take control of your finances in 2025, I’d love to help! Book a 15-minute complimentary call with me to discuss how I can help you. Schedule Your Call Here. |
Hi, my name is Karen and I am a Finance Coach and blogger. I specialise in helping couples talk about money - without arguing. Subscribe to my weekly newsletter for practical tips on how you can make your money go further so that you can live your best life!
Hi Reader , If your finances feel a bit all over the place lately, you’re so not alone. The good news? You don’t need a total money makeover to start seeing progress — just a few smart, intentional steps. This is Part 1 of a short series where I’ll guide you through the very first things I get my coaching clients to do when they’re ready to get a handle on their finances. Let’s start with something powerful: Calculate your net worth - don’t worry — it’s not as scary as it sounds! Your net...
Hi Reader , I hope you're having a great week! I’m currently away enjoying some much-needed family time. We’re staying on a little island in Naivasha, here in Kenya — surrounded by giraffes, monkeys, gazelles, hippos… and yes, a few snakes too (but let’s not focus on those!). Spending intentional time together is something we deeply value. Instead of splurging on luxury items or regular dining out, we choose to save for experiences like these. It’s part of our WHY — to create memories...
Dear Reader , Did you know that April marks Financial Literacy Month? It started in the U.S. but has grown into a global movement, encouraging people to take a closer look at their finances and make small but powerful changes. And there’s no better place to start than with your budget. I’ve learned over the years that managing money successfully comes down to three key things: ✔️ Always keep learning – Read, listen, and invest in yourself. But remember, knowledge is only powerful when you...