Tracking Your Numbers Could Lead You to Seeing the Bigger Picture

In the fourteen years’ experience I have in accounting, tracking your numbers is key if you want to be in business.

I have been in business for seven years and I know first hand how beneficial it is to know how my company is performing.

I have been invited by organisations such as the Barbados Youth Business Trust, the Youth Entrepreneurship Scheme,  Barbados Cultural Industries Development Authority to speak on topics dear to entrepreneurs.

These would include, “Types of Funding”, “Understanding the Financials” and such the like. I have also been afforded the opportunity to consult with entrepreneurs on a one on one basis guiding them on how best to communicate the present performance of their business and how they anticipate their business will perform in the future.

Here are four reasons why you need accounting information:

• To know the past performance of your business
• To know the present performance of your business
• To predict the future performance of your business
• To make informed decisions for your business

Not only do you want to make your numbers presentation ready for your benefit, but for those outside of your business. These include government agencies such as the Barbados Revenue Authority (or the relevant tax authority in your country), lending agencies and investors, to name a few.

What are the key financial statements a business owner should pay attention to?

1. The income statement
2. The balance sheet
3. The cash flow statement

The income statement shows whether the company has made a profit or a loss.

The balance sheet communicates the net worth of your company.

The cash flow statements shows the money flowing in and out of your business for various purposes.

As stated above, having access to these statements helps you became more aware of the transactions in your business. It could also help decide if a particular product line is making money or not. It could also help you know if you should give up the place you’re renting which is eating up your cash flow, so you could opt to work virtually and provide the same level of excellent service online.

So how does one create these financial statements? By tracking your numbers one business transaction at a time.

You could opt to purchase accounting software.

You could opt to use free accounting apps.

You could opt to hire the services of a bookkeeper or an accountant who could help input this data so you could become well informed. (Hint Hint)

Accounting software has become user friendly that anyone could use it. However, having someone on your team who understands basic accounting principles and knows how best to make this information presentation ready and how best to explain your business’ performance to you, could make your life a whole lot easier and help you see the bigger picture.

If you would like get your know numbers better, send me an email  at melinda@astrapefinance.com or call me at 246-231-1385 and let’s get you seeing the bigger picture NOW.

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses.

EMAIL her at: melinda@astrapefinance.com

CONNECT with her on LinkedIn: https://www.linkedin.com/in/melindabelle/

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

Visit our website: www.astrapefinance.com

Air Out Your Dirty Laundry: Why Full Disclosure is Key

Before you say I do, there are some things you ought to know.

Marriage is a total commitment. It’s not romantic gestures all the time. It’s washing the dishes. Paying the bills. Staying at home and watching Netflix instead of eating out. It’s having a chair designated as a laundry basket. It’s having to compromise, sometimes. It’s thinking about someone else other than yourself. It’s about learning to work together as a team.

By the way learning to work together does not happen overnight. Actually it’s a lifetime process.

Before you say I do, could I recommend couples practice full disclosure before they tie the knot?

I’ll explain.

Money could make or break a relationship.

There are no ands, ifs or buts about it. That’s the truth.

Expectations could lead to disappointments.

The money talk/discussion is not an easy one to have. No two people are going to have the same ideas as it relates to money. Differing views could be based on past experiences, different upbringings or the way your partner’s behaviour is naturally bent towards money.

Let me let you in on another secret. What’s yours is his and what hers is yours.

Say what?!!!

Well, if Sue has credit card debt of $5,000 guess what, it’s your debt to deal with too.

If Tom has student loan debt of $20,000, it’s your debt to deal with also.

In the society we live in, money is a taboo topic. We don’t like to talk about it.

That’s the reason why I titled this blog, Air Out Your Dirty Laundry. Essentially this phrase speaks to talking about private matters and in this case it would be about money.

Whatever your upbringing, if money wasn’t discussed in your place of origin, it should be discussed before you move in your home together. Don’t allow what you learnt (not communicating about money) to cause unnecessary strain in your marriage.

Attending (proper) pre-marital counselling is a must. And I say proper, because there are some people who don’t know how to counsel. I don’t mean to be rude, but it’s the truth.

Pre-marital counselling helps you prepare for joining your lives together. And I am not saying because you do pre-marital counselling, your marriage will always be rosy, but being open and honest as you prepare in these sessions will give you a sneak peak into what married life could be like with your future spouse.

Please fully disclose where you are at financially. Do a mock up of a budget together. See what life will be like for the both of you financially. See if adjustments need to be made before you say I do. (e.g. freeing up more of your money from debt)

Every couple’s financial journey and financial plan is different. How you prepare before you tie the knot will not be the same as another couple. There will be some who will be financially ready and there will be some who won’t be ready, but they’re getting there.

To gain an objective and financial perspective into what married life would be like after the wedding, email me at: melinda@astrapefinance.com

 

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour and mindsets affect the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

Who’s Financial Planning For?

In my previous blog The Makeup of a Financial Plan I shared this wonderful fact:

You do not need to have money in order to have a financial plan 

It may be portrayed wealthy people are meant to have financial plans, but everyone should have one no matter their professional or financial status.

So who is financial planning for?

I feel very compelled to share with those of you who may need to start over.

Can I let you in on a little secret?

I have failed.

What mistake did I make?

Relying on one source of income and not robustly working to develop my other sources of income. A lesson well learnt and I am back on track to rebuilding those sources.

Financial planning allows you to start over again.

If one plan fails, you seek to develop another plan.

It’s not over.

It’s not too late.

A financial plan is a blueprint you typically use to rebuild your finances, but you will need the following tools to build with:

1. Budget: A spending plan used to allocate money for various spending purposes
2. Savings Account(s): Useful for saving for emergencies, savings goals
3. Investments: Instruments useful for multiplying your money over a long period of time and earning additional income (e.g. dividends)

Please know this, your financial plan won’t work unless it is implemented. It’s great to have to goals, to have an idea of what you want to build, but rebuilding won’t be possible without tools and the actionable use of those tools.

If you are ready to learn the basics of creating your financial plan, I will be hosting a Financial Planning Workshop in May!

Click here to secure your seat at this Event!

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour and mindsets affect the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

Ten Financial Tips for the Graduating Class of 2018

This blog post is dedicated to the Graduating Class of 2018.

Congratulations! You made it! You studied well, worked hard and now it is time to embark onto the next leg of your journey.

At this stage, you are probably thinking of finding employment. I am sure you will choose well and find a job you will enjoy.

Upon landing your first job, you will be faced with the excellent challenge of managing your money.

You will have a sense of financial independence when you receive your first pay cheque, but remember with that sense of financial independence comes the responsibility of being an excellent steward.

Seeing that you are new to this level of responsibility, we created ten tips for your financial journey:

1. Define your short-term, intermediate-term and long-term goals. Before you set up a budget, you should take some time to think about where you want to be financially. e.g. you may want to pay off your student loan, build a home, start a business or purchase a car. Financial Leadership is giving your money PURPOSE and DIRECTION. And once you have an idea of where you are going, you could ensure your money goes in the direction it ought to go.
2. Set up a budget. A budget is a spending plan used to allocate money for various purposes. Having this tool in place will enable you to live within your means and also prevent you from overspending. See info on budgeting.
3. Pay off your student loan as soon as possible. Having the weight of debt off your shoulders will give you peace of mind. The sooner you pay it off, the sooner you will be able to attain other financial goals.
4. Set up an emergency and unemployment fund. Life tends to catch you by surprise. The things we don’t plan for do happen and it is always important to save money for a rainy day. Having these funds in place will help ease the pressure should an emergency or unemployment comes your way.
5. Avoid unnecessary debt at all costs. You do not necessarily need a loan to purchase a laptop, for example. Simply set aside some money and purchase it with cash.
6. Make it a habit to use a debit card. Credit cards have very high interest rates. If you make a purchase of $50, you will end up repaying $50 plus interest when the bill is due. With a debit card you will only pay $50 for the purchase you make online.
7. Ensure your investment portfolio is balanced. Do not chase after highly volatile investments with the aim of becoming rich quickly. You will run a higher risk of losing money.
8. Plan for retirement early. Invest in a registered retirement savings plan or mutual funds. Either option could prove to be a good vehicle to build your retirement savings. Remember, if you don’t put this in place, you could be stealing money from yourself in the future.
9. Know when to say no to sales personnel from financial institutions. Insurance salesmen and credit card personnel will be seeking you out, because they know you have just finished your studies. No need to be alarmed or worried, they are just doing their job. However, do not feel pressured to say yes to every person who approaches you. Do your research and make well informed decisions.
10. Plan for your vacation strategically. Predetermine your total costs and set aside money on a monthly or quarterly basis. When that time comes around to book your ticket and travel, money will be readily available.

With these ten tips, you could develop a dynamic financial plan best suited for life’s varying changes.

Always maintain your focus. Practice contentment and non-comparison. You have the ability to design the financial life you have always aspired to.

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour and mindsets affect the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

Preparing Your Children for College (Take 2)

The best way to prepare your children for college, is to involve them in the planning process from early.

Here are some suggestions we have to offer:

1. Guide your children into their field of study. Find out what makes them tick. You have known them their entire life and you know their strengths. Start today by finding out what they want to be when they grow up.
2. Do not pressure yourself to send your children to a university. If they are interested in being a electrician, mechanic or even providing professional massage services, for example, there are many community colleges which facilitate these studies. This option will save you money in the long run.
3. Teach them the importance of practising financial prudence before their college days. They will be on their own and will need to know how to budget. A great way to give them a hands on approach is to train them in budgeting their allowance or pay. Guess what? You can encourage your children to start saving for college. From today!
4. Finally, encourage your children to take courses in their desired field of study in their high school (secondary school) years. On applying to their college of choice, they are likely to receive exemptions. Maybe even a scholarship.

So get your children involved today. It is never too early to prepare them for college.

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour and mindsets affect the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

The Importance of Planning Ahead (Take 2)

Is it always easy to make a plan? And to stick to it?

Are we so easily daunted by the responsibility that comes with planning, especially when it comes to our finances?

Do we wait until we have to rush to get our affairs in order?

The answer is simple. Yes.

To prevent the frustration and at times the anguish that comes with planning, we have a solution.

Plan ahead.

Planning ahead makes us better prepared. The better prepared we are, the less stress we will experience.

To jump start your planning, we have listed scenarios to show you why planning ahead is important:

Jim’s Emergency

Jim is on his way home after a late night on the job. Suddenly, one of his tires burst. Things are a bit tight for him and his family, so he starts to worry, but he then remembers that he and his wife set up a savings account to handle surprises like these.

Sally’s Long-Term Plan

Sally is in her twenties and decides to start planning for retirement. Melanie is in her forties and has never thought of retirement. Since Sally is in her twenties, the amount required will be less than Melanie’s, since time is on Sally’s side. Since Melanie has approximately twenty plus years until retirement, her payments will be larger to accumulate required amount for retirement.

Elizabeth’s Pursuits

From the moment Elizabeth was born, her parents agreed to save for her university education. By the time she turned eighteen, she received a partial scholarship. If her parents had not planned for her education from the day she was born, it would have been a strain on them to support her in educational pursuits.

So, what are you waiting for?

Start planning today!

 

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour and mindsets affect the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

What You Didn’t Plan For (Take 2)

I am a huge fan of making plans. I love to organise my calendar and plan for the coming week ahead. I always like to know the plans that I have set in place, would indeed occur at that specific moment.

However, there are times when my plans do not always come to fruition.  I for one am not a huge fan of surprises, particularly those challenging surprises. However, what I planned to do would have to take the back seat, while what I didn’t plan for would have to take the front seat.

Isn’t it the same when it comes to our finances?

You budget for the month ahead, but then a surprise comes knocking at your door. Your four car tyres might burst. The car might break down.  Your child may need to go to the doctor for a fever. You may have to purchase medicine. Your tooth may need to be extracted. Your spouse may come home and tell you they lost their job today. These circumstances could sometimes cause a strain on your budget.

Take heart. Do not be discouraged, for there is a way you could effectively prepare for any unplanned circumstance.

There are two types of unforeseen circumstances every family should consider saving towards:

1. An Emergency 
2. Unemployment

Please ensure you save money toward the following examples of unplanned emergencies:

• In the event of a sudden dental emergency
• Vehicular repairs
• Doctor visit for any family member who becomes sick
• Battery and tyre replacements

Please note your savings should be used at the onset of an real emergency.

During these tough economic times, and even during the best of economic times, it is wise to set aside money for the unforeseen event of unemployment. This is where savings for Unemployment come in. Three months to six month’s worth of your most important expenses should be considered. Examples of these expenses include:

• Rent or Mortgage
• Electricity
• Telephone
• Commitments – Car Loan Payments etc.
• Groceries
• Gas – For the car and stove
• Insurance – Health, Life, Pension etc.
• Clothing

In the event money is withdrawn from your savings for these events in particular, make it a priority to top up your bank accounts. Remember, it will take time and discipline to save money toward these types of emergencies.

By having these in place, you are guaranteed to be at peace knowing your family will be cared for.

 

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance Inc., the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour and mindsets affect the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram: https://www.instagram.com/moneymatterswithmelinda/

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

How to Budget for Special Occasions (Take 2)

Any time of the year we party hearty! 

We have block parties, celebrate weddings, have family reunions and let’s not forget the barbecues!

To ensure your event runs smoothly, you need a plan. Along with the guest list and venue, you will need a budget.

For the event planner or the party planner at heart, you know this is vital.  Money is the heart of any special occasion and it is what makes the event possible.

So for you newbies or veterans, I have some tips you can use to create your event budget:

1. Guests: Make a list of the number of guests you plan to invite. This will determine your catering costs if you plan to cater the event.
2. Location: Determine the location of the event. If it is a family reunion, using a relative’s home can save you money big time.
3. Menu: Create the menu to suit the occasion. If it is a family gathering, have a potluck lunch or dinner.
4. Decorations & Favours:  Think about the theme, review the area and determine how much it would cost to transform your space. Think of fun and creative favours to give away while you’re at it. Purchase them in bulk.
5. Rentals: Determine if you will be renting chairs, tables or cutlery. Some venues do not provide seating or utensils for eating.

With these in mind, you want to assign a cost to each category.

Once your budget is in place, you can go full steam ahead with your planning.

We would love to know how you budget for occasions such as these. Is it really possible to stick to your budget?

Please share your comments with us below!

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance, the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour affects the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram:

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

Mind Your Budget (Take 2)

I thought I would re purpose a blog I wrote three years. I think the content is still pretty relevant for us in 2018!

Let’s monitor our budgets daily. Whilst being in the midst of the everyday busy life, let’s be mindful of this:

Financial leadership

Let’s take a look at this scenario.

You have been paid earlier than your normal pay date. What do you do? Do you spend like there’s no tomorrow? Or do you make a plan?

Might I humbly recommend you make a plan?

This is asked in order to encourage you to maintain composure along your financial course.

If there is ever a time to be responsible with your money, it is TODAY.

Budgeting is not some out dated form of practice. It is a lifesaver. Take it from someone who was a habitual spender. If your life is out of focus financially speaking, it may be time to implement financial leadership. It’s not too late!

Financial leadership means giving your money purpose and direction. You simply have a vision of where you want to be and you allocate money so you could reach your destination. So for example, if you have responsibilities to meet in January after Christmas has come and gone, you want to ensure there is money there to meet those commitments.

Financial pressures

Financial pressures, also known as societal pressures, tend to set a precedence for one’s spending.

Spending to be liked

I would like to address this topic as someone who needed to be liked at some point in their life. Spending money on people who do not necessarily like or care about you is not worth it. It doesn’t make sense enriching their lives for you to end up poorer. No need for you to be a people pleaser. Those people from whom you are seeking approval, need to be minimized from or cut out of your life.

Peer pressure

Children are not the only ones who experience peer pressure, us adults do at some points in our lives as well.  If you do have not have the money to do what others are pressuring you to do, don’t do it. If someone is encouraging you to get a credit card to make up for the money you don’t have, don’t do it! You will not be paying for the purchase price, but you will be paying for the purchase price plus interest. And if you are not able to pay the full amount due after your numerous purchases in one payment, you will be tempted to make minimum payments only. Which in turn will keep you in a debt hole.

Comparison

You think your life is awful because you don’t have the things your heart desires. And someone else seems happier because they have what you don’t have. May I suggest you stop right there? Not only does comparing yourself unfavourably to others place you in a defeated mental state, but it makes a breeding ground for jealousy. Then you despise the individual for what they have and think not so healthy thoughts about them. Combat this by looking around you. You have your loved ones. You have a place to live. You have food in the fridge. You still have a job and means for travel. Even if you use public transportation, you have the funds to pay bus fare. Think of it. You are definitely further than you where you were at the beginning of 2017.

I challenge you. Let’s make an effort to mind our budgets and to mind our business.

 

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) Finance, the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

She is also the author of My Money & Me. A book which takes a closer look at how your behaviour affects the way you manage your money. (www.astrapefinance.com)

EMAIL her at: melinda@astrapefinance.com

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

FOLLOW her on Instagram:

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

Be Your Own Financial Hero

Today, we celebrate National Hero’s Day in Barbados. This holiday lauds those who would have made tremendous contributions to our nation’s development.

Do you know any heroes of this day? Do you know of someone who possesses qualities you greatly admire? Do you know of someone who has accomplished outstanding achievements? A hero is defined as just that.

Heroes are the teachers who train the nation’s children. Heroes are the fathers and mothers who play a key role in their children’s development. Heroes are those who adopt the fatherless. Heroes are those who speak up and use their voice to initiate change.

Now, I want to introduce you to a hero you know very, very well. Take a look in the mirror. Who do you see?

What makes you a hero you might ask?

Think about the obstacles you have had to overcome. And if I may highlight your heroism from a financial perspective, think about the financial obstacles you have had to overcome as an individual and as a family unit.

So, what does it take to be your own financial hero?

1. Recognise there is a financial hero in you: Being a financial hero has nothing to with the money you make or the amount of money you have in your bank account. It has to do with your ability to lead your money. Financial leadership is giving your money PURPOSE and DIRECTION. A financial hero recognises his/her current practices are not lining up to the vision he/she set for him/herself. It takes courage to take deliberate and consistent steps to lead your money more effectively.
2. Forgive those who failed to be your financial hero: Sometimes we place high expectations on people and then they fail us. This isn’t to say there wouldn’t be people who would keep their word. There maybe some of you who may have been abandoned by a family member and they left you to struggle. You have to forgive them for what they didn’t do and what they did to you. You are not forgiving them for their sake, you are forgiving them for your sake. If you want to move forward, you need to stop looking back and start looking forward.
3. Be brave enough to change for the better: The way you behave affects the way you manage your money. If you are seeking to be a “people pleaser”, you will spend your money to obtain the approval of others. If you don’t think you are worthy of any investment, what will you do? You won’t seek to use your money to improve your financial situation. Do yourself a favour and change the way you think about yourself. Your thoughts are translated into your behaviour, hence affecting the your potential to be better with your money.

Become your own financial hero today. Happy National Hero’s Day!

If you want to improve the way you behave with your money, please allow me to introduce to you Money Matters with Melinda,  a series bringing transformation to your money life through information and inspiration! We are set to release my second book My Money & Me, where we take a closer look at how your behaviour affects your past, your present and your future.

To stay up to date about the release of my next book My Money & Me, please leave your information in the form below.

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Melinda Belle is the visionary and founder of Astrape (As-strap-pay)
Finance, the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

EMAIL her at: melinda@astrapefinance.com

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

LIKE her Facebook Page: www.facebook.com/MoneyMatterswithMelinda

FOLLOW her on Instagram: moneymatterswithmelinda

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle