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AVOCADO Seeds

A Comprehensive Guide to Credit and Loans  

Talking about money, especially borrowing it, can be tricky. Words like Annual percentage rate (APR which is the cost you pay each year to borrow money) and collateral (something valuable you promise to give if you can’t pay back a loan) can make it seem complicated. Then there’s your credit score, which is like a […]

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World Changers Entrepreneurship Training

Highlights of Our #WorldChangers Entrepreneurship Online Workshop from December  

On December 16, 2024, we hosted an inspiring and impactful online workshop titled “Profitable Business Secrets for Emerging Economies.”led by AmickyCarol Akiwumi MBE. This workshop was meticulously designed to equip entrepreneurs in developing economies with practical, actionable business strategies tailored to their unique local contexts.   Participants were encouraged to identify untapped opportunities where local

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Fortress Finances: Building Your Emergency Fund Vault

Hey money warriors! Life throws curveballs, and we all need a financial shield to protect ourselves. That’s where your emergency fund comes in – your personal central bank to battle unexpected bills and keep your budget afloat.  Why an Emergency Fund? It’s Your Financial Bodyguard!  Imagine your car breaks down, or your phone takes a

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Level Up Your Money Game: An Investing Guide for Young Bosses

Hey there, young dreamers and future moguls! This guide is your cheat sheet to start investing and turn your cash into a money-making machine. Investing might seem like a grown-up thing, but trust me, anyone can do it. Let’s dive in and learn how to make your money work for you!  Why Invest? Because Money

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How to Set SMART Financial Goals for a New Year: A Guide for Young People

As we start a new year, the prospect of setting financial goals can be both exciting and overwhelming, especially for those navigating the dynamic landscape of their late teens and early twenties. Setting money goals is a crucial part of handling your finances, but let’s be real—it can be a bit tricky, especially for young

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Our Youth programme impact in the first half of 2023

BonsaïMoney podcast We’re happy to announce a significant increase in podcast plays: we broke the 1,000 mark within the first half of this year! Our growing library of accessible, engaging financial literacy content for young people has clearly delivered on its aims, with the majority of podcast plays on any given day coming from previous episodes,

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Finance Finesse: Avoiding the Crunch in a Cost-of-Living Crisis.

Students and young people are typically thought of as being in a more secure position during a recession, with not as many overheads as older adults with mortgages or children, for example. A recession means the Bank of England has had negative growth for two quarters of the financial year. Recently, however, there has been

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BonsaïMoney – Understanding ‘Buy Now Pay Later’

Buy Now Pay Later (BNPL) providers skyrocketed in popularity during the pandemic. Makes sense, right? Out of necessity, a lot of shopping moved online and retailers became more adventurous with their customer experiences. In 2019 one of the industry’s biggest disruptors, Klarna, was valued at $5.5 bn; by 2021 it had reached $46 bn. PayPal, Afterpay, Affirm, Sezzle, and dozens of

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