Manna Monthly - December 2025

We have incredible news to share! Financial literacy education is being introduced into school curriculums, marking a historic step toward empowering the next generation with essential money management skills. This means our children will learn about budgeting, saving, investing, and making informed financial decisions from an early age. This is something we've long advocated for, and seeing it become reality is truly inspiring. Together, we're building a financially literate future!

I’m so excited to share that our next 5-session Financial Freedom Course is officially set! This is your chance to start 2026 with clarity, confidence, and a solid plan to make smarter financial moves all year long.

If you know someone who’s ready to take control of their finances, please do share it, this could be the spark they need to begin their journey toward freedom.

🗓 Course Dates:

📱 Important Info:
After registering, you’ll be added to a WhatsApp group where all digital handouts and resources will be provided.

If you prefer printed copies of the materials, you’ll have the option to purchase those separately.

Let’s be real, Christmas can get expensive. But it doesn’t have to be.
Here are a few budget-friendly ideas to keep the season merry without the money stress:

Now is the perfect time to set yourself up for success in the new year. Here's how to get started:

Take an honest look at your income, expenses, and financial goals from this year. What worked? What didn't? This reflection is valuable groundwork.

Whether it's building an emergency fund, paying off debt, saving for a home, or investing for retirement, write down specific, measurable goals for 2026.

Use the 50/30/20 rule as a starting point: 50% for needs, 30% for wants, and 20% for savings and debt repayment. Adjust based on your unique situation.

Set up automatic transfers to your savings account on payday. Pay yourself first!

Don't forget annual costs like insurance, car maintenance, or subscriptions. Divide these by 12 and set aside money monthly.

Could 2026 be the year you start that side hustle or ask for a payrise? Think creatively about increasing your income.

As we prepare for 2026, it’s a great time to feed your mind with wisdom that can transform not just your bank balance but your habits, mindset, and confidence with money. Here are a few gems worth adding to your reading list this season:

Your Money Life by Bola Sol

Bola Sol keeps it real. In this empowering guide, she breaks down money management in a simple, relatable way, from budgeting and saving to building wealth without shame or stress. It’s especially great for women who want to take control of their finances and rewrite their money story with confidence.

The Psychology of Money – by Morgan Housel
This book explores how our emotions, experiences, and upbringing shape the way we handle money. It’s not about numbers, it’s about behaviour and once you understand your money mindset, you can change your financial future with confidence and clarity.

Atomic Habits – by James Clear
Small habits create big change. James Clear explains how to make tiny improvements every day that lead to remarkable results. It’s a brilliant reminder that transforming your finances doesn’t happen overnight, it happens one consistent action at a time.

We'd love to hear from you! What are your financial goals for 2026? What money topics would you like us to cover in future newsletters? Reply to this email and let us know!!