How we got our personal finances on the right track-3 key decisions!

“The effective flow of cash, it’s availability as and when needed (without the use of debt) is the only difference between those who have their personal finance in control and those who do not.”-

Yemi Shodipo

“Don’t touch my lunch– My wife had taken it upon herself to find ways in which we could cut our expenses, when she said to me that “Yemi you cannot afford to spend more than £2 for lunch at the office otherwise we will be in trouble”. Then I knew that we were already in trouble, because a simple £5 lunch should not be an impossible asks for a working man! I was adamant that it wasn’t my lunch that was putting us in trouble, neither was the £60 we would save per month from my smaller lunch that would put our finances right; it had to be something bigger. So I turned it on its head, looked at our expenditure and asked how we could save on our 3 biggest expenditures- I would think our biggest expenditures are similar to most middle class families at least…

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