Hi there and welcome to Money With Joy, where I hope to help you have a good relationship with your finances.
Times have been pretty rough lately. We’ve gone from historically low interest rates to 13 rate rises in 15 months. Rents have soared, people have been priced out of the housing market around the country, and inflation is out of control. Literally everything has gone up in price and we’re all finding ourselves spending more at the supermarket and walking out with a lot less.
My goal is to help you manage your finances by sharing all the money tips, tricks and money hacks that I’ve learned over the years. I’ll even throw in some general tax tips too (and yes I can as I’m a CA certified tax accountant).
So who am I?
I am Joy and I’m a little obsessed with finances. I never used to be. 10 years ago I was obsessed with makeup, followed all those beauty gurus on YouTube, bought all the latest eyeshadow palettes and spent hours perfecting my winged liner. Finances were the last thing on my mind. Looking back on it now, I really wish I didn’t spend all my money on makeup and food!
But at some point you realise that adulting is hard and you have to actually think about where all your money is going. As an accountant, that now comes naturally to me. I might go into our finances into too much detail, which drives my husband insane, but I don’t think if I didn’t we’d probably be really struggling right now.
Working on your finances is never an easy task. It’s all about creating habits and changing your mindset. So hopefully with my help, I can make that journey easier for you so you can reach your money goals, whatever they may be.