Tuesday, 23 December 2014

Merry Christmas! Here is a little Christmas nudge...

Merry Christmas everyone.  I hope you all have a very safe, happy and enjoyable holiday season. Hopefully you can take this time to step back and re-assess your goals and priorities and come back in the new year refreshed and ready to take your personal finance journey to the new step.

This is just a little post around Christmas to nudge you in the direction of some Christmas giving.

Don't forget those less fortunate than ourselves

The very nature of a personal finance journey means that we are often looking to improve our own lot in life.  There is nothing wrong with this and focusing on my financial journey and blogging about it is one of the things I enjoy doing most.

However it is easy to forget (especially as we start to build up some wealth, traction and momentum) that there are others who are less fortunate than ourselves.  

This is a little nudge to remind you (and myself) to give a little and hopefully improve someone else's Christmas.

Micro-finance organisations are great for those looking to give to others on a financial journey

Last year around Christmas I discovered Kiva - a great micro-finance organisation which allows you to lend money to those who are in need of a hand up.  You can decide who you lend it to and for what purpose they use the money for (you get to read the whole loan application).

The best thing about these loans?  They are charity which you can then re-deploy when the money comes back into your hand.  And if the loans don't get repaid?  Well you were giving it to charity anyway (and not using it as an investment)

What was my experience with it?  ALL my loans were repaid on time and I got to re-deploy the capital to other people in need.  It's an incredible system where your charity can go a long way!

If this isn't for you...find something there is

The number of charities out there is truly staggering.  Find something you are passionate about and then give a little or give a lot - it's completely up to you.  

Anyway I've written about charities numerous times over the years so feel free to look back through these posts.  

Once again, have a great Christmas and holiday season and I'll see you again in the New Year!

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