Hi Ladies,
I'm back again.
If you watched the video above you have an idea of what this article about. This post is perhaps going to be a little more interactive than posts of past. Today I would like to talk to you about an issue that affects all Nigerian women in Nigeria and here in the diaspora (as well as many other ethnicities).
I would like to talk to you about skin bleaching/lightening/toning! This is not a "how to" article although I may write something on it after more research. This is not a debate on if bleaching is right or wrong (this is debatable) nor is it a research article on the dangers of overuse/misuse. I can write about all of this at later date. This article is a discussion on the mindset behind bleaching/lightening and your opinions on how this affects families as a mother and/or wife.
THE QUEST FOR BEAUTY
With my focus on business and home economics you may be surprised to see me of all people write about something as trivial sounding as lightening or anything relating to beauty for that matter. But, I ask you, why wouldn't I? Why wouldn't a married woman, entrepreneur, housewife, professional, etc care about beauty and take note of the trends in lightening as a supposed beauty tool. After all we are all women, many of us have partners and those without would like to have partners who first of all see your appearance before they know your personality or character. Even in work and business how you look, from skin, hair to clothes and shoes makes a difference in your success as people perceptions of you are inextricably linked to your appearance also. So beauty is important to the majority (if not all) of us. Even those who do not care what men see them as physically become intimidated when met with a beautiful woman.
So what is our perception of beauty? If you look at the video, bleaching apparently accounts for the skin colour/texture of approximately 80% of Nigerian women and it even claims it is the most common place in the world for skin bleaching. Is this the Nigerian perception of beauty? Is this a statistic to be proud of?
Furthermore if you visit forums like skincaretalk you will see an array of advice from across the world assisting people make the steps necessary to lighten skin tone. Nigeria, America and UK being the most common contributors to the discussion.
I believe skin bleaching is less rampant amongst Nigerian women in the UK, than in USA and it is less in USA than in Nigera from what I have read (feel free to correct me if you think I am wrong). But is this due to a difference in opinion of beauty and societal norms or more an issue of availability and affordability? Me thinks the latter is true and not the former personally. As I have come across many cases where men still objectify light skin and mixed race girls as being more beautiful and more desirable.
THE MINDSET BEHIND BLEACHING
Looking at peoples reasons in various countries for bleaching/lightening there appears to be a difference in why they are used. Take two Mahogany complexioned ladies for instance, we'll call them Lady A and Lady B. Both are using the same peels, soaps and creams advocated as lightening and toning agents (the term bleaching on products no longer being marketable because of the taboo) as well as sunblock.
Lady A claims to be lightening to remove 'permatan' that is a permanent tan caused by staying in the sun without protection and the wanting to revert back to her 'true colour' whilst creating an even tone instead of the patches of dark marks caused by lack of skin care and acne marks too.
Lady B makes no bones about fairness in skin colour being a superior skin colour to be desired. She states she wants to turn from Gabrielle Union colour to Leona Lewis in 6 months.
What do you think of Lady A and Lady B? Any difference?
Okay read on...
After 6 months they both turn out to be the same colour. A riddle for you who bleached and who toned? Or were they both toning/lightening or just both bleaching? What do you think of Lady A and Lady B now? Did your opinion of Lady A change? In reality many women who use skin peels and soaps (and perhaps some creams) do just want to even skin tone or remove a permatan and only lighten a shade or two or the most their natural skin shade would have been and stop there and maintain. But some only state that is there aim and do something else. Are these ladies not as bad as those who openly ridicule dark skin?
Okay read on...
What if I told you both ladies were married to dark skinned men and had two mahogany complexioned kids each (a boy and a girl each). The boy being 11 and the girl being 14.
Is Lady B's mindset more dangerous than Lady A's to the children? Will lady A's children still view fairness as superior?
This is a hypothetical story of two women, who could be real.
Hydroquinone is common in dermatology offices in America even though it was banned in Europe for its cancer risks. Two regions very similar in outlook took to very different stances on the same ingredient. Is it possible that the problem is not the product but rather people's minds and perceptions of what beauty is?
QUESTIONS FOR YOU
Would you use any of these products if you had a dark butterfly like patch on your face caused by pregnancy hormones for instance (melasma), or bad sunburn or outbreak of acne/chicken pox?
If the products are not bad - although some are lets be real the packaging apparanetly can say one thing and contents are something else. But If you can find the pure unadulterated products can they be used responsibly and educationally without deceiving one-selves?
What is your opinion? Do you know of any safe products to use? How do you stop yourself getting caught up in the wrong mindset. How do you evaluate your motivations? How do you prevent any damage in love of what God gifted you with in your children and prevent them from taking things to the extreme or developing skin colour complexes?
Your opinions are much appreciated. I will do more articles specifically looking at chemicals used and possible effects and maybe I will even do a video/pictorial on how to use a non-damaging cost effective regime that does not cause you to lighten past your true tone. After all, I have just as much uneven texture as the rest of the world, just that unlike 80% of Nigerian women (apparently - cos I'm not sure it is this high), I choose to use foundation to conceal instead of toning lotions to correct!
That is until now...
Remember to subscribe to my blog for updates of this Nigerian woman in London, UK.
Hugs and Kisses
Ella
Tuesday 9 April 2013
Tuesday 19 March 2013
Are you a Family CEO?
Taken from 26 November 2012 by Liz Hull at Daily Mail
http://www.dailymail.co.uk/news/article-2238439/Housewife-No-Im-familys-chief-executive-90-middle-aged-women-control-paying-bills.html
Are you a Family CEO?
A UK survey has found women control family finances, something most UK Nigerian women did not need a survey to work out (look up Proverbs 31 for insight).
This newspaper article is dubbing these women as the "Family CEO", or "Domestic CEO".
They say being called a housewife is not an accurate description of what they do, their roles being more closely linked to a director in a company. I presume this makes the husband the shareholder who wants to see a return on his investment and the children may double up as employee owners.
93% of those who were not the main breadwinners made all or most of the financial decisions.
These include tasks such as:
- Ensuring bills payment,
- Making sure there was no debt/cashflow problems
- Budgeting and monitoring expenses
Decision making, of the women questioned:
90% decided the furniture purchases
92% decided the large appliance purchases i.e. TVs, computers etc
85% decided the family holidays
66% decided the family car.
So do you fancy yourself a Family CEO? If so you better learn the jargon from Daily Mail (I especially like the last one, lol):
Natasha Galstaun's story:
Natasha Galstaun, 43, likens running a home, to heading a multinational and believes it deserves respect.
Natasha Galstaun, says of her husband, “He pays the mortgage but I look after everything else, from the bills, to childcare, to any DIY. I book all our holidays and social life and cook from scratch every night.
“We’re also selling our house, so I’m looking for a new project to do up — a total wreck, ideally. I impose deadlines on my day, to make sure I have spare time. I’m always on the go. By the end of the day I’m frazzled.”
Galstaun, who lives in Surrey, quit her job as an interior designer to be a more hands-on parent to Sacha, 4, and Felix, 2. She sees herself more as a “domestic chief executive officer”.
As domestic CEO's mums now take on a number of roles equivalent to:
- head accountant,
- chief administration expert,
- financial adviser,
- school liaison officer,
- executive decision maker,
- travel agent,
- party planner,
- cook,
- nurse,
- cleaner,
- decorator
The term “Housewife” for some no longer covers the JD!!
KEY SKILLS NEEDED TO SUCCESSFULLY RUN A HOUSEHOLD?
As there is so much to do the greatest skill needed is organisation.
Other important skills include:
- Leadership,
- Motivation
- Management
Sounds like a CEO right? Hence the term Family CEO.
What makes a housewife a domestic CEO?
One word mostly: Money.
Instead of an allowance, a domestic CEO has unrestricted access to all household finances.
PURCHASES: Crucially, she also has sophisticated budgeting technology i.e. instead of buying an appliance from a favourite store it means spending days reading different price comparison websites and reviews before buying either from store or online.
CASHFLOW: If cashflow turns negative, CEO turns CFO (chief financial officer) suggesting cutbacks.
“‘I feel it’s my responsibility to make sure we get the best deals on energy bills and TV, so I spend a lot of time researching those,” says Galstaun. “My mother didn’t hold the purse strings, whereas I have free access to all the money. I have to be on top of the budgets to make sure we can do the things we want to. In a sense I’m financial director as well as everything else.”
FAMILY TRAVEL AGENT: See LateRooms, Lastminute.com, TripAdvisor and Sky- scanner for bargains. Chauffeur for children (and sometimes husband is also a newly added skill.
HUMAN RESOURCES: Arranging playdates is the child form of team-building exercises! If the family has the surplus cash she may employ staff to carry out chores and childcare. However, tutors for exam time are a bare necessity.
"The CEO may also have to deal with mergers (new stepchildren), hostile takeover bids (attempts by other women to seduce her husband) or the increasingly eccentric demands of long-term board members (elderly parents)."
“Women now feel they have to employ the management skills they used in their high-flying careers at home,” says Tanith Carey, a domestic CEO and author of How to Be an ‘Amazing Mum’ When You Just Don’t Have the Time. “For many women who give up successful jobs, raising children and running the household becomes their second career.
“Their role becomes to reflect the family’s success with the most perfect homes, dinner parties and children. Their appearance must be immaculate, since they are the ‘image’ of the firm. Many women I know talk openly about the importance — and stress — of being seen to run an efficient, flagship household, as a reflection of the family unit’s success.”
Children, of course, are the domestic CEO’s most high-profile and thrilling corporate project — and one where the competition with rival family firms can be especially fierce.
“There’s a high expectation even when they’re very young,” says Galstaun. “You have to send them to rugby, music, ballet, theatre. We’ve even been talking about sending our children to Spanish classes. It can be quite nauseating how parents big up their own kids, as a kind of reflected glory.”
"In a world saturated by marketing, it is almost as if parents have come to see their family as a brand (take a bow, Beckhams). “Parenthood has become a form of product development”, says Carey, “in which parents believe the more work they invest in a child, the more of a success their offspring will be.”
Even the queen agrees! "When Kate Winslet recently told the Queen she preferred motherhood to her day job, the Queen replied: “Yes, it’s the best job.”
But does this title help or harm women in this position by telling them: "as a domestic CEO, you are contractually obliged to sort everything and everyone out?"
Read more: http://pandce.proboards.com/thread/95034/times-london-call-sahm-ceo#ixzz2NzVr61Mt
Tell me how you think your role as wife and/or mother resembles that of a CEO! What do you need help with, what do you excel in?
Sincerely Yours
Ella
http://www.dailymail.co.uk/news/article-2238439/Housewife-No-Im-familys-chief-executive-90-middle-aged-women-control-paying-bills.html
Are you a Family CEO?
A UK survey has found women control family finances, something most UK Nigerian women did not need a survey to work out (look up Proverbs 31 for insight).
This newspaper article is dubbing these women as the "Family CEO", or "Domestic CEO".
They say being called a housewife is not an accurate description of what they do, their roles being more closely linked to a director in a company. I presume this makes the husband the shareholder who wants to see a return on his investment and the children may double up as employee owners.
93% of those who were not the main breadwinners made all or most of the financial decisions.
These include tasks such as:
- Ensuring bills payment,
- Making sure there was no debt/cashflow problems
- Budgeting and monitoring expenses
Decision making, of the women questioned:
90% decided the furniture purchases
92% decided the large appliance purchases i.e. TVs, computers etc
85% decided the family holidays
66% decided the family car.
So do you fancy yourself a Family CEO? If so you better learn the jargon from Daily Mail (I especially like the last one, lol):
Natasha Galstaun's story:
Natasha Galstaun, 43, likens running a home, to heading a multinational and believes it deserves respect.
Natasha Galstaun, says of her husband, “He pays the mortgage but I look after everything else, from the bills, to childcare, to any DIY. I book all our holidays and social life and cook from scratch every night.
“We’re also selling our house, so I’m looking for a new project to do up — a total wreck, ideally. I impose deadlines on my day, to make sure I have spare time. I’m always on the go. By the end of the day I’m frazzled.”
Galstaun, who lives in Surrey, quit her job as an interior designer to be a more hands-on parent to Sacha, 4, and Felix, 2. She sees herself more as a “domestic chief executive officer”.
As domestic CEO's mums now take on a number of roles equivalent to:
- head accountant,
- chief administration expert,
- financial adviser,
- school liaison officer,
- executive decision maker,
- travel agent,
- party planner,
- cook,
- nurse,
- cleaner,
- decorator
The term “Housewife” for some no longer covers the JD!!
KEY SKILLS NEEDED TO SUCCESSFULLY RUN A HOUSEHOLD?
As there is so much to do the greatest skill needed is organisation.
Other important skills include:
- Leadership,
- Motivation
- Management
Sounds like a CEO right? Hence the term Family CEO.
What makes a housewife a domestic CEO?
One word mostly: Money.
Instead of an allowance, a domestic CEO has unrestricted access to all household finances.
PURCHASES: Crucially, she also has sophisticated budgeting technology i.e. instead of buying an appliance from a favourite store it means spending days reading different price comparison websites and reviews before buying either from store or online.
CASHFLOW: If cashflow turns negative, CEO turns CFO (chief financial officer) suggesting cutbacks.
“‘I feel it’s my responsibility to make sure we get the best deals on energy bills and TV, so I spend a lot of time researching those,” says Galstaun. “My mother didn’t hold the purse strings, whereas I have free access to all the money. I have to be on top of the budgets to make sure we can do the things we want to. In a sense I’m financial director as well as everything else.”
FAMILY TRAVEL AGENT: See LateRooms, Lastminute.com, TripAdvisor and Sky- scanner for bargains. Chauffeur for children (and sometimes husband is also a newly added skill.
HUMAN RESOURCES: Arranging playdates is the child form of team-building exercises! If the family has the surplus cash she may employ staff to carry out chores and childcare. However, tutors for exam time are a bare necessity.
"The CEO may also have to deal with mergers (new stepchildren), hostile takeover bids (attempts by other women to seduce her husband) or the increasingly eccentric demands of long-term board members (elderly parents)."
“Women now feel they have to employ the management skills they used in their high-flying careers at home,” says Tanith Carey, a domestic CEO and author of How to Be an ‘Amazing Mum’ When You Just Don’t Have the Time. “For many women who give up successful jobs, raising children and running the household becomes their second career.
“Their role becomes to reflect the family’s success with the most perfect homes, dinner parties and children. Their appearance must be immaculate, since they are the ‘image’ of the firm. Many women I know talk openly about the importance — and stress — of being seen to run an efficient, flagship household, as a reflection of the family unit’s success.”
Children, of course, are the domestic CEO’s most high-profile and thrilling corporate project — and one where the competition with rival family firms can be especially fierce.
“There’s a high expectation even when they’re very young,” says Galstaun. “You have to send them to rugby, music, ballet, theatre. We’ve even been talking about sending our children to Spanish classes. It can be quite nauseating how parents big up their own kids, as a kind of reflected glory.”
"In a world saturated by marketing, it is almost as if parents have come to see their family as a brand (take a bow, Beckhams). “Parenthood has become a form of product development”, says Carey, “in which parents believe the more work they invest in a child, the more of a success their offspring will be.”
Even the queen agrees! "When Kate Winslet recently told the Queen she preferred motherhood to her day job, the Queen replied: “Yes, it’s the best job.”
But does this title help or harm women in this position by telling them: "as a domestic CEO, you are contractually obliged to sort everything and everyone out?"
Read more: http://pandce.proboards.com/thread/95034/times-london-call-sahm-ceo#ixzz2NzVr61Mt
Tell me how you think your role as wife and/or mother resembles that of a CEO! What do you need help with, what do you excel in?
Sincerely Yours
Ella
Tuesday 13 November 2012
Your chance to be on TV!!!
Hello Ladies,
I have been approached by a Channel 4 TV producer about ‘The Real Nigerian Housewives of the United Kingdom’ who is currently developing a parenting series and wants to hear from mum’s who would be happy to talk about parenting. This successful producer is looking for larger than life personalities with strong opinions.
She is looking for inspiring mums who have a clear and definable view on parenting and believe this works well for them. You should be a strong character who is proud of your style of parenting and believe others could learn from you. You should have two or more children.
I think this would be a very interesting watch and I know our Nigerian mothers have a lot to offer society. If you are interested please let me know. I have not discussed payment with her but the exposure is phenomenal and can go some way to improving our image becoming respected for our parenting skills.
Please post a comment and join the group if one or more of these comments apply to you. I look forward to hearing from you soon.
Kind Regards
Ella
I have been approached by a Channel 4 TV producer about ‘The Real Nigerian Housewives of the United Kingdom’ who is currently developing a parenting series and wants to hear from mum’s who would be happy to talk about parenting. This successful producer is looking for larger than life personalities with strong opinions.
She is looking for inspiring mums who have a clear and definable view on parenting and believe this works well for them. You should be a strong character who is proud of your style of parenting and believe others could learn from you. You should have two or more children.
I think this would be a very interesting watch and I know our Nigerian mothers have a lot to offer society. If you are interested please let me know. I have not discussed payment with her but the exposure is phenomenal and can go some way to improving our image becoming respected for our parenting skills.
Please post a comment and join the group if one or more of these comments apply to you. I look forward to hearing from you soon.
Kind Regards
Ella
Tuesday 6 November 2012
Thinking of Starting a Cooperative
It is likely many of you if not all of you have heard of the term "cooperative". But I bet most of you have never really researched into what a cooperative does and yet you have preconceived ideas on what happens in a cooperative. This article is the first article aimed at empowering you with the knowledge to not only understand what a cooperative is, but to participate and benefit from one.
 |
| taken from www.uk.coop |
A cooperative is a businesses owned and run by its members, for its members. Members often have something in common like heritage, interests, work, geographic location and more.
Member all have equal voting rights and when profits are made this is shared amongst members or reinvested according to the decision of members. Often cooperatives may work together to improve the lives of all members in a given community. Jamaican and Nigerian cooperatives have often been known to put aside each month a given amount to a central fund and each month the group gives this to one of the members (or something to this effect) but in actual fact operating models and income streams and income release can be defined in any way and decided by the group (sometimes this changes as business models are often flexible).Co-operatives are businesses, not charities, so the aim is to profit financially, socially or otherwise (i.e. obtaining scarce products/services). By working together, members do better in their individual monetary investments. savings and businesses than they would have separately.
Cooperatives can invest locally and internationally promoting growth in areas overlooked by various organisations.
So here is my proposal. I am thinking of starting a cooperative:
- It would have a legal structure.
- It would have a steering group that ensures the interests of all members are followed (lets say the steering group/committee sits for 3 years before re-election, for very first term would sit for 5 years to raise funds and profile).
- It would invest in areas/business members have knowledge of or experience or a need for i.e.
- Any idea that comes up through cooperative brainstorming
- Entertainment- Books/Movies/TV Shows
- Business Start Up Seminars/Training/ Ancillary Services (i.e. Websites, Accounting, Marketing, Legal etc)
- Recruitment Firms and Career/Employment Advice
- Childcare/Daycare Services and Babycare Products
- Food and Drink (Catering, Restaurants, Consumer products, Trade/Distribution)
- Education (Schools/Tuition Classes)
- Family/Relationships
- Fashion, Hair and Beauty
- Homes and Gardens (Real estate development and related services i.e. plumbing, electricians etc)
- Living Overseas (Relocation to Nigeria company specialising in cargo, accommodation, schools, healthcare, settling in etc)
- Politics (in UK and Nigeria)
- Social Events (Event Centre, Celebrations, Festivals, Parties, Wedding Planners)
- Travel/Holidays (Vehicle Shipment to Nigeria, Investing in Tourism in Nigeria, Travel Agency etc)
- It would be for Nigerian families in the UK (at first or permanently)
- There would be monthly payments of £50, a member can withdraw money by leaving subject to notice period in the constitution. So if for example there were 20 members, £12k would be generated in the first year from contributions. Members can invest more than a minimum with a view to sharing more of the profit based on their financial investment, members can also share more in profit through trading their time i.e. acting as accountant or building brick walls for a development totaling 10 hours.
If you are interested in setting up this cooperative with me and have suggestions or strong opinions, please contact me at ellaoku@gmail.com
Thanks
Regards
Mrs Ella Inedia
(Information for this article gathered from http://www.uk.coop)
Monday 15 October 2012
INCOME
Money! What can we learn from our sisters in Nigeria?
| Image taken from accountancyage.com |
Following on from introduction to "Money! What can we learn from our sisters in Nigeria?", here is the first topic to be addressed. Please let us know your thoughts! You will be pleased to know we have started with income sources:
1. INCOME:
SALARY
Of course the most popular source of income if you are in the UK is likely to be your salary. In many cases this is the biggest source of income or the only one. I'm going to talk you through 3 general routes to increasing your salary: 1, The Upwards move, 2, The Sidestep and 3, The Doubler!
The Upwards Move
Have you ever considered moving up in the company you are? Yes you probably have said to yourself you can do the job of your boss but that's not what I'm talking about. Have you considered how to get there?
Well first of all you need to take an honest look at what you do and what your job description says you should be doing. Most employees either underachieve or overwork themselves, so if you are an underachiever, step up. If you are overworking, do the right people know. Chances are you have not automatically gotten a raise because either the right people know and are getting extra work from you at a discount so decided not to say anything until you say something. Or, the right people do not know. Sometimes we Nigerian women in the UK have a habit of being too humble and not speaking up or down right bragging/complaining about the amount of work we are doing, whilst our counterparts from other nations have become experts in this. So if you work more than you job description, sing it loud and sing it proud!!!
The Sidestep
Sometimes there is no room to move up, no matter how much value you add the company does not have the money to pay you for this or they maybe are biased and don't want to.
Have you ever thought, your hard work and experience may be valued elsewhere? The truth of the matter is the majority of promotions and salary rises in the UK for the past few years have not come from staying in the same company but by applying for roles at a competitor company or another industry that utilises the same skills. So if you were thinking of this as a route you are in the majroity. The good news is this means you are not alone, the bad news is . . . this means you are not alone! So you will have to compete. To find out how to set yourself apart from the competition and make that bold move, register for our seminar at the end of this year by filling this survey: Click here to take survey
The Doubler!
Well as the name implies, you double up! Ever seen on TV those kids who proudly confess they appreciate their mama who had to work two jobs just to pay the bills? Well, why not get a second salaried job to increase savings instead? Yes you may hear people saying it is hard to get a job in this economy, but for the most part this is true for professional jobs. Taking on an unskilled job to provide for yourself and your family may be the help you need! Example jobs that can fit around your current job: cleaning an office early morning or late night, becoming a postlady, working a seasonal job as a sales assistant during your annual leave. Of course this will be a whole lot more stress, but as minimum wages are £6.19 per hour, adding morning shifts of 10 hours per week would equate to an extra pre-tax salary of £3.5k per annum, adding weekend sales work of 14 hours per week would add £4.5k per annum. Worth considering even if only for a short term solution right?
SELF-EMPLOYMENT
Self-employment or entrepreneurship can be done alongside a full-time salaried role or in place of it. Self-employment is particularly common for accountants, IT professionals, doctors, tailors, caterers, construction project managers and other sectors, but there is no reason your skills cannot be marketed even if your current jobs is not the stereotypical type that is often made into a self-employed role. In the UK we are blessed with an abundance of help, the problem is knowing where the help is and opportunity. Grow and sell your own crops. You could buy a franchise and banks are often willing to lend because of the proven business models. You could sell Avon products or Usbourne children's books. You could work from home or partner with someone through networking groups or through forming a cooperative. This is an option that is often taken up by our sisters across the Atlantic in good old Naija, being themselves often business-savvy, but even more than this, having the opportunity and networks to grow their businesses well. Come see some of the techniques they utilise by registering register for our seminar at the end of this year. You can do this by filling this survey: Click here to take survey
BONUSES/COMMISSIONS
Well that marks the end of our first post on money. What are your views and opinions? Feedback is welcomed by posting a comment below. If you did not catch the multiple references already in this text. The most voted for event in a previous survey was for business start up opportunities and career sessions/seminars/networking opportunities. Money and fulfillment do matter and you bringing in more income will affect you and your family, hopefully, if done well, positively! The business event I am organising will be a family event, so husbands/fiances and children are welcome also, as it will affect them too. So to find out how your sisters are making it, register for our seminar at the end of this year. You can do this by filling this survey: Click here to take survey
Hugs and kisses
Ella
Tuesday 9 October 2012
Money! What can we learn from our sisters in Nigeria?
Money! What can we learn from our sisters in Nigeria?
I was searching the web for different budgetting tools as I
like to plan and prepare for the future of my family like all good wives and
mothers. I found it quite interesting to see one posted by LagosMums.com.
This is the first of a series of threads where we are going
to run through some of the common sources of income and expenses in Nigeria and
see what we can learn from them. Your opinions are much appreciated.
The budget spreadsheet produced by LagosMums.com can be
downloaded here: click here
UPCOMING TOPICS
SOURCES OF INCOME
1. INCOME WHILST YOU WORK:
Salary
Self-Employment
Bonuses / Commissions
2. INCOME WHEN YOU DON’T WORK:
Pensions and Annuities
Investment Income
- Interest received
- Dividends
- Rents
- Sale of Securities
EXPENSES
3. BILLS
Satellite/Cable TV
Internet
Electricity
Gas
Telephone/mobile bills
Water
4. CONSUMER EXPENSES
Appliance purchases
Appliance repairs/insurance
Travel/Car Loan Payments and insurance
Car Maintenance
Petrol
Tyres
Clothing accessories
Clothing
Dry cleaning
Jewellery
Furniture & Other items
5. CHARITY
Charity donations/Tithes Gift Aid
Charity fundraising
6. CHILDREN
Childcare
School Fees
Private Tuition
7. HOUSE
Laundry
Groceries
Home Insurance
Home Improvement
Home Maintenance
Mortgage payments
Rent
8. DEBTS
Debts: Credit cards and loans
10. ENTERTAINMENT
Cinema
Concerts / Shows
Dining Out
Home entertaining
Hobbies / pastimes
Club Membership
Vacations
11. CELEBRATIONS
Birthdays
Christmas
Weddings
12. MEDICAL
Health Insurance
Life Insurance
Dentist
Optician
13. BEAUTY
Barber Shop
Beauty Treatments
Cosmetics
Haircare
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