Privacy Policy

Effective Date: 01 November 2024

At Letters in Finance, we value your privacy and are committed to protecting your personal data. This Privacy Policy explains what information we collect, how we use it, and your rights.

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Policy Updates

We may update this policy. Changes will be posted on this page with a new effective date.

2025: A Year of Transformation—One Day at a Time

As the clock strikes midnight on December 31, 2024, a new year begins 2025. The countdown may feel momentary, but its implications are profound. A year isn’t just a block of time; it’s a series of moments, choices, and actions that collectively define where you’ll stand when the year ends. Let’s break it down: • 1 Year equals 12 Months. • 12 Months equals 52 Weeks. • 52 Weeks equals 365 Days. And every single one of those days is built from just 24 hours, 1,440 minutes, and 86,400 seconds. Each day counts. Each moment matters. If you don’t prioritize how you spend your time, energy, and resources, you might find yourself in the exact same place when 2025 comes to a close. Time moves relentlessly forward it doesn’t wait for anyone. The question isn’t whether time will pass, but whether you’ll make it count. To ensure that you’re in a better place financially, professionally, and personally by the end of 2025, consider these actionable steps to transform your life, one day at a time. 1. ...

Find One Book and Work on Your Finances!

I’ve realized I’m very emotional when it comes to money, and in 2025, I want to work on improving the bad traits that come along with it. That’s why my first read for 2025 will be The Psychology of Money by Morgan Housel. Why am I sharing this? Because I want you to think about one area where you might be struggling with your finances. Is there something you need to get right? Invest in a book—just one is enough—that can help you understand or navigate that part of your financial life. When setting financial goals, remember: that you don’t need to overwhelm yourself with too many. Focus on one transformative goal. For example, if you’ve struggled with sticking to a financial plan or budget because of a lack of discipline, make financial discipline your primary goal. To support that goal, find a book that offers practical guidance, like The Total Money Makeover by Dave Ramsey, which lays out actionable steps to eliminate debt, build an emergency fund, and ...

2024 Finance Favorites

Dear Gentle Reader, This was supposed to be my first video for 2025, but with work becoming a little hectic, I decided to share my thoughts in the form of a letter instead. I’m super excited to share with you my 2024 Finance favourites—a curated list of inspiring YouTubers, insightful podcasts, must-read books, and innovative finance apps that shaped my financial journey last year. Let’s dive in! Favourite YouTubers Zoe Pritchard — Her monthly reset videos and intentional approach to managing finances are incredibly inspiring. Her candid discussions about the emotional side of money motivated me to plan a Christmas fund for next year—no more last-minute budget stress! And cash-stuffing videos? I find then relaxing and oddly satisfying. Zviko from KaBlazKeFinance — His short, sharp insights on investing in Zimbabwean stocks are invaluable. Demi Zhuang, Cara Nicole, and Nischa — These creators also deserve a shout-out for their amazing financial content. Favourite Podcasts Money...

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