Healthy Ways to Treat Yourself

You have achieved your weight goal. Way to go!

You just found out about your job promotion. Congratulations! gift card hands

You just got of debt. What an achievement!

How does one celebrate one’s victories? Wisely and prudently of course. For example, an increase in salary does not automatically mean an increase in lifestyle.

Think about it.

There are healthy ways in which you can treat yourself without having to break the bank or swipe your credit card.

Here’s how:

  1. Gift Cards – The wonderful thing about gift cards is they help you determine how much money you are able to spend. You definitely wouldn’t break your budget.
  2. Cook a Meal  There’s nothing like a home cooked meal to warm your heart. The dinner table is considered a place where intimacy is shared. Instead of going to a restaurant, why not share this cherished occasion with your loved one or ones around the table.
  3. Plan a Picnic – Picnics are fun. You can have them at the beach or designated park areas. Pack your picnic basket with goodies from the pantry, gather a few family members, friends or your date and enjoy!

You see, it is possible to treat yourself and be resourceful at the same time. You don’t necessarily need to depend on the resources of an institution to reward yourself.

What are some of the healthy ways you have treated yourself?

Share with us!

Astrape Finance


The Role of the Financial Planner

Many have been scarred by unfortunate experiences with financial planners.  ???????????????????????????????????????????????????????????

Some have had run ins with financial planners who only sought to get a cut from their financial gain.

Some have been on the receiving end of bad financial advice.

But, there are financial planners who keep their clients’ best interests in mind.

They seek to provide the most excellent service to those who come through their doors. They tend to possess a strong work ethic.

To correct the erred view of financial planners today, we have summarised the role of the financial planner as that of a teacher, coach and guide.

Teacher –  If anyone had a good teacher, they would remember the care and time their educator took to present a topic. If there were any questions, their teacher would gladly welcome the opportunity to explain further. Sometimes the teacher would stay after school and give one on one attention, if there was need to. As teachers, financial planners take the time to shed light on any aspect of their client’s unique financial situation.

Coach – If you were part of a sports team, you had a coach. The role of the coach was to get and keep the team in shape and prepare the team for the matches ahead.  As coaches, financial planners are there to keep you in financial shape!

Guide –  As guides, financial planners steer their clients throughout their financial journey. Those who guide best often are abreast with the financial times. They caution their clients of financial decisions not to make. They are often able to discern when is the right time to action specific financial goals.

Along with fulfilling the role of teacher, coach and guide, a financial planner should portray these key characteristics:

  1. Trustworthiness
  2. Confidentiality
  3. Loyalty
  4. Stability

Astrape Finance

Recovering From Financial Disappointment

Who likes to fail? Let’s see the hands of those who like to lose! disappointment

We are all driven by the innate desire to succeed. Because if we win, we feel good. If we win, we know we’re good.

But then there are times in life where we will experience disappointment.

Sometimes things don’t go our way or turn out the way we want, especially when it comes to our finances.

I have a secret to share with you.

Did you know that every financial disappointment can be turned into your financial appointment?

The word disappointment is synonymous with the word frustration, while the word appointment is synonymous with the word nomination.

How do you go from being disappointed to being appointed?

When you choose to recover. If you decide you are going to stay down in the dumps you will go nowhere, but if you decide to dust yourself off and get up, recovery begins.

It is important to not allow your failures to define you. Believe it or not, regardless of the many messes you have made, there is hope. You can start over again and set out to make the right choices.

Contrary to popular belief, those who have failed time and time again, usually end up succeeding.

Will the road to recovery be easy? Not initially. Will time heal? Yes, definitely.

Astrape Finance 


Recovering Financially from The Crop Over Festival

Whether you are a lover of the music and arts, the bands or the food, this blog is for you.

We all come from different walks of life, have different tastes and just love to have a good time. There are various events this Crop Over season that will just catch our eye and compel us to go. So we will go.

But after the excitement has passed, you will realise you made quite an investment into the festivities.  How do you recover after the festival is through? By following these three steps:

Step 1recovering

If you have used your credit card to fund your activities, there will be a bill to pay. Gather all of your receipts and total them. If you can afford to, pay it in full. If not, don’t settle to pay the minimum amount. Always pay more than the minimum amount required. Another way you can clear this, is to pay the amount in three installments. This way you wouldn’t incur more interest than needed.

Step 2

Lay low for a while. Put a hold on the spending. As we said in Step 1, there will be bills to pay. Also, this helps you to curb impulse spending.

Step 3

Start saving for next year. Set aside 50 dollars a month towards the festival in the new year. A little can go a long way. Think of it this way. You will not have to place a strain on your budget by the time Crop Over comes around.

Here’s to a Successful recovery!

Astrape Finance