Preparing for the Holiday Season

Posted on: 29th Oct 2021


There is nothing like too much preparation and as we are just a few weeks before the holiday season begins, it is not too early to pay attention to small things you can do to prepare for the best holiday experience.

The last quarter can be a stressful time for many people especially those who work. Work deadlines, financial stress and even emotional pressure make the last quarter of the year a stressful time for many people. It is therefore important that you make the most out of the holidays by having the best time and drinking Shot of Joy everyday.

These are 5 things you can do to prepare to have the best holiday experience

1. Plan ahead

Create a map of how you want your holidays to look like, this should include the people you want to visit, the events you want to attend, the gifts you want to share and even the types of food you want to cook if you are hosting. When you are done, take a look and criticize it. Can you afford it? What can you cut from the list and still have the kind of holiday travel you’d like?

In addition, the South East of the UK is a must-visit region for anyone looking to experience the diversity of British culture. From its historic landmarks to its vibrant cities and picturesque countryside, there’s something for everyone. To plan your day, make sure to visit

Having the best luxury train vacations are an incredible way to travel, making it as much about the journey as the final destination! These are focused on slowing the pace of life so you can take in the scenery.

Furthermore, you can enhance your UK exploration by using a map website like to find exciting things to do. Their extensive map layer index and expert surveyors make it easy to discover unique and memorable experiences throughout your trip. Make sure to have a look at luxury serviced apartments near London Bridge too.

2. Create a budget

Look at your plan and come up with a budget for the things you have decided to do. Having a budget might help you resist the urge to overspend.

3. Start shopping early

With your plan and your budget, it makes it easier to start your holiday shopping sooner rather than later. Stores and businesses start giving discounts early which can cause quite a rush so in order to avoid the rush of last minute shopping, start early. When shopping online, make sure to compare amazon prices across Europe at to get the best deals.

4. Make reservations for holiday travel

A lot of people travel during the holidays for either tourism or to visit family so if you have plans to travel, this is the time to make reservations for flights and hotel like the Flagstaff hotels if you will travel to Arizona. While somethings get cheaper during the holiday, flights get more expensive and hotels get filled up fast. Don’t get stranded, plan ahead.

On a private flight with companies like Jettly, you can hold confidential meetings in flight, work without interruptions, or spend time with your friends and family.

5. Make fun plans

If you don’t have plans of traveling during the holidays, this might be the time to research on the events and fun activities like these fun things to do in toronto for young adults you’d like to participate in. There are usually a lot of shows, stage plays, concerts, games and curated events happening during the holidays so make note of the ones you’d like to attend and prepare for it. If you prefer staying home, you can play satta king online and see super fast satta king result on this website on

It is important that as you try to make the most out of your holiday, you practice financial discipline as well. Don’t spend all your money during this period as life continues after the holiday.

Want to learn more on financial discipline? Click here.


5 Ways To Avoid Sapa

Posted on: 3rd Sep 2021


“Sapa” is a state of being broke and if not handled well can lead to poverty. To counter this, one can go to sites like 아인카지노.

Money is a depletable resource that needs to be well managed so when the unexpected happens you will always have something to fall back on. Here are 5 ways to optimize your monetary resources and ultimately avoid “Sapa”.

1) Create a Financial Plan/Budget

The first step towards making better financial decisions is creating a spending budget. If you are spending as much as or more than you earn, that is a sure way to invite “Sapa”. Having a spending budget enables you to track your expenses which can help you spend better.

2) Save a portion of your income

If you are an income-earner, you understand that your salary is usually accounted for, from buying food items to utility bills and supporting your family, you see that it might be difficult to reach the goals you have set if you are not disciplined.
It is advisable for you to save at least 10% of your monthly revenue. So if for instance, you earn N100,000 every month, your monthly savings should be at least N10,000. Investing in our Money Appreciation Plan (MAP) is a good way to start a rewarding financial journey.

3) Avoid Debt

Debt is one of the enemies of building wealth. Although, it is quite understandable that there are cases where requesting a loan or borrowing money seems justified, however, it is highly advisable that after a debt has been procured, you should start taking deliberate steps towards clearing the debt.
We advise that you choose our African Alliance Investment Plus (AIP), a plan that will give you access to loans when you invest with us.

4) Have an Emergency fund

An emergency fund is a personal fund set aside as a financial safety net for future mishaps or unexpected expenses. An emergency fund can be funding either from your savings or directly from your monthly income. You can dedicate about 10% of your income after savings into your emergency fund.

Our Esusu+ plan is a safe and secure emergency fund that includes a life cover.

5) Diversify your income

You can avoid “sapa” totally when your income is greater than your expenses. With this in mind, the two ways to attain freedom from poverty is a) Reducing your expenses. b) Increasing your income.
Although the first approach helps, it has been discovered that the second approach is far more effective for achieving financial freedom.

In the end, the guiding factor to avoid “Sapa” is to make better financial decisions. Our Money Appreciation Plan (MAP), Alliance Investment Plus (AIP) and Esusu+ are viable pathways to achieving financial freedom.

To get started, send us an email at


How To Make Your Salary Last The Month

Posted on: 2nd Jun 2021

Living from paycheck to paycheck can be draining especially when you find it difficult to invest or take on projects. If you can relate with your account balance being in the red zone by the third week of the month, we are here to help with these tips:

  • Create an expense sheet

Money management starts with you tracking your spending. Create an expense sheet where you highlight the things you spend money on which can help you keep unnecessary spending in check.

  • Stash your spending money

When your salary comes in, it is normal to want to start spending immediately, however separating your spending money from your savings will not only help with financial discipline, it will also help you have sizable savings especially if you take our Money Appreciation Plan (MAP)

  • Pay yourself weekly

To be accountable with money, you need to be able to track your spending. Paying yourself weekly will help you monitor as well as control your spending.

  • Live within your means

Your lifestyle is a huge factor in how much you spend or save. Do not spend outside what you can conveniently afford and don’t take on a lifestyle that will get you into debt. Live within your means/income.

Having a plan and saving towards a goal will help you stay committed.

This is why you should check out our Money Appreciation Plan and Esusu+; two tried and trusted plans you would love.

To get started, send an email to


Great Valentine’s Day Gift Ideas For Your Loved Ones

Posted on: 10th Feb 2021

Valentine's day

Valentine’s day is for the celebration of love, and one of the best ways you can express love is by giving gifts to the people you care about. However, with the current economic situation, it is important that you give gifts that are financially smart as well as thoughtful.

See below the different types of Valentine’s day gifts you can get your loved ones this season.


  • Breakfast in Bed.

Giving a personalized name necklace as a gift can be a thoughtful and romantic gesture that your loved one will appreciate. However, if you’re a couple that frequently exchanges romantic gifts, you might want to switch things up and surprise them with a special breakfast. To make the occasion even more memorable, you could incorporate additional elements such as playing their favorite song, preparing a three-course meal, or watching a movie on Netflix afterward. By doing so, you can create a personalized experience that will uniquely demonstrate your affection. Of course, if you still want to give a physical gift, a personalized name necklace could be a lovely addition to your surprise breakfast celebration.

  • Gift them a Book

If your better half is a book lover, then getting them a book they have always wanted to read is a no-brainer. Books are an amazing gift because they come in all shapes and sizes; Hardcover, paperback, audiobook, eBook, Epub and Pdf. To make this gift more thoughtful, try to know which format your loved one likes to read their books in. If you don’t know, you can go ahead to gift them a book in all formats instead. You should also try to know which book(s) your better half is currently excited about reading. To put the cherry on the top of this gift, you can as well try to get the hard copy of the book autographed by the author.

  • Gift them Stock/Bond

This is something new couples are trying out. Instead of spending money on physical gifts and consumables that can finish, some coupes have started giving out monetary assets as gifts instead. This is a great way to show your better half that you are financially sound and is interested in growing wealth with them.

  • Get Life Insurance

We are in an uncertain world where anything can happen and with the economic situation in the country, you want to give your partner that assurance that whether you are there or not, you will continue to have their back and that can be the ultimate love declaration. Get a life insurance plan to show that you love them.


  • Customised gifts

When it comes to showing your parents how much you love them on Valentine’s Day, a customized gift can make the day even more special. You might consider something practical like a customized mug, kitchen set, or matching accessories such as rings or watches. Alternatively, if you have a larger budget, you could explore outdoor wine coolers and select one that you think your parents would appreciate. Most parents who’d love to cook and stay within the kitchen area most of the time, they would love to receive any kitchen utensils, appliances or even new installations like cabinets, drawers and any other, you can check out online sites like to see what you avail for them as early as valentines day.

Another great idea is to plan a personal experience with them, such as spending the whole day together or taking them to a relaxing location, all while wearing a custom hawaiian shirt to add some fun to the occasion.


Getting a valentine gift for children could be a bit tricky as it depends a lot on the age range of the child and what they are interested in

1. For children between the ages of 4-8

For this category, the types of gifts you can get include toys, pyjamas, comic books, learning items (like math set), and candy.

2. For children between the ages of 9-16

For this category, you can give them gifts like a game console (Play station, Xbox), a bicycle, phone, backpack or even new clothes. Taking them out to the amusement park or restaurant is also a valid gift. Catch some fun playing laser tag in Houston every weekend, no problem at all.

3. For children of all ages

If there is a constant in the 21st century, it is that quality education is one of the most valuable gifts you can give your children. Getting them any of our education plans like the Children Education plan (CEP) and African Alliance Smart Kid Plan (ASK) and give them the gift of a bright future.

Giving out gifts on valentine’s day still remains one of the best ways of showing love. However, it is worthy of note that a gift shouldn’t really be what you would like to give, rather it should be what your Valentine would like to have. This should be the key guiding factor towards what you eventually give your partner. Always remember that it is the thought you put in that counts.



4 Ways To Make Better Money Decisions In 2021

Posted on: 30th Jan 2021


Life is easier when you know that you have the financial upstanding to reach your goals and achieve the things that are important to you. Making money is essential but how you treat that money is more important. Are you spending it all or saving and investing it? If you’re interested in making money, consider placing bets on 겜블시티 라이브카지노 as it offers a chance to potentially boost your earnings while enjoying an interactive and immersive gaming experience.

The year 2021 is already going by fast and you certainly want to have a better financial status before the year runs out, so you can actually use resources like trade fx with VT Markets in the UK to improve your finance as well. If you are tired of living from paycheck to paycheck, these tips are for you.


Do you know that you spend more on the things you don’t need than the things you do need?

We spend money on so many things that we never use and that is part of what is not making you reach your financial goals. Buy only the things you need and save the extra money. You will be happy with your financial progress at the end of the year, if you own a business then have at look at how to paystub with direct deposit.


A lot of people get themselves into debts because they are in the habit of competing with people around them. You don’t have to change your car because your friend changed his car or even have a society wedding because a colleague did that. Cut your coat according to the cloth you have e and stay in your lane.


When you learn to restrict and control your spending habit and start making money passively, you are on your way to financial freedom. Budgeting is one of the hard things to do because “problem no dey finish” so it takes discipline to stay within budget when spending money. This will help you learn how to cut costs and save more than you spend. Payday loans Chicago can streamline your payments into one monthly bill.


We know how easy it is for money to leave your bank accounts, all you need to do sometimes is just swipe your ATM card or press USSD codes on your phone and money is gone. Invest in our Money Appreciation Plan (MAP) or African Alliance Investment Plan (AIP) so that you can not only have interests on your money but also get a life cover to make sure that it is protected.

For more information or to get started on any of our plans, send an email to


Head-Start: Preparing For The New Year

Posted on: 2nd Jan 2021

new year

There are lots of stories to tell about 2020, of losses and wins and most importantly, of life. No matter how rough the year was, you are here, so be thankful for life.

The new year is already here and as you are coming up with your new year resolutions, there are things you should know to help you prepare better for the new year:

  • Focus only on the things that matter. If 2020 has taught us anything, it is that we don’t need the things that don’t count.
  • Life is precious, insure it. Make smarter decisions in 2021, like getting life insurance and protecting the future of your loved ones. Click here to get started.
  • Financial security is non-negotiable. So invest in your future.
  • Multiple streams of income is the future.
  • Your health should be a priority.

Meanwhile, do not put any pressure on yourself about the things you didn’t achieve, you achieved the one that truly counts.
You survived all the craziness of 2020!

We want you to continue to survive so keep staying safe. Avoid large gatherings, use your face mask at all times, and wash your hands regularly.

Stay safe!


Feeling Low? 3 Things You Can Do To Stay Positive (+ 1 Bonus Tip)

Posted on: 17th Nov 2020

stay positive

We hope you got the rest you needed over the weekend.

And if you didn’t, this quote by Josephine Rathbone should encourage you to prioritise your rest even as you push forward at work:


If we could learn how to balance rest against effort, calmness against strain, quiet against turmoil, we would assure ourselves of joy in living and psychological health for life.


There are a thousand and one motivational quotes telling you to get up and get things done, but if you’re having difficulty staying positive and motivated, you’re not alone.

2020 has been a tough year in ways that many of us never anticipated. 

Instead of telling you to have a positive mindset, we encourage you to practice these 3 action points to keep you in a good headspace as the year winds down:


1. Journaling intentionally

stay positive

If you already journal, you know how writing down your thoughts and experiences helps you to make sense of them. But there’s an extra perk to journaling intentionally by writing down the best parts and achievements of your day: it gives you positive memories for the days you feel low.

Take your journaling to the next level by writing down positive affirmations for your life and career.


2. Get your blood pumping

stay positive

A few minutes of exercise a day is more effective than a thousand motivational quotes. Exercise is not just healthy, it also releases endorphins to give you that extra boost of energy you need to get things done. Also, consider using smart drugs for productivity to stay motivated and focused on whatever you are doing.

While you exercise, ask your doctor what vitamins you should be taking for extra vitality. You can also find out here the best diet pills to take if you’re trying to lose weight fast. Read this year’s Outlook India diet pill rankings.


3. Encourage others

stay positive

There’s something to be said about being a source of inspiration to others. Sometimes, what you need to get out of a negative headspace is a conversation with someone who needs encouragements. You might be trying to help them, but you’ll also be helping yourself stay optimistic about the future.



4. Continue coronavirus safety measures

stay positive

We also hope you’re still wearing a mask, social distancing and washing your hands. These tips have been our only protection since we were plunged into a global pandemic with no vaccine in sight, especially in these parts of the world.

You are of value to your family and friends, and to us. That’s why we urge you to continue to keep to covid-19 safety guidelines (even if it seems like everyone else isn’t).

It’s not all bad news, though. Scientists are working around the clock in different parts of the world to produce a Covid-19 vaccine, and just last week, Pfizer reported confident results in the human trials of their BNT162b2 vaccine. Yesterday, yet another success was reported by Moderna, whose vaccine is testing at more than 95% success rate.

In the absence of everything else, we can still hold on to hope.

Have a positive week ahead!

Keep up with African Alliance Insurance on LinkedIn, Instagram and Twitter.


6 Books on Financial Literacy You Should Read

Posted on: 13th Nov 2020


Money management is discipline and might look like it comes easy to some people but the truth is financial discipline is a learned habit. We need to educate ourselves more on financial literacy, which starts with keeping track of how you spend money to spending wisely and choosing to make safe investments like MAP.

Reading books related to finance is an easy way to help increase your financial prowess. So to help you out on your journey to financial freedom, these books should give you a great start on your new path.


1. Rich Dad Poor Dad

This book by Robert Kiyosaki advocates the importance of financial literacy and provides basic rules and principles to achieve financial freedom. It teaches us the true meaning of assets and liabilities and also the fact that money without financial intelligence is money soon gone.


2. The Smart Money Woman

This book by Arese Ugwu is a good book following the lives of friends and exploring their money behaviour and journey to financial freedom. Each chapter has exercises which break the steps down for you.

It teaches women how to break their spending pattern and realize the need to be financially independent.


3. The Intelligent Investor


This book by Benjamin Graham enlightens you on investment tactics. It teaches you how to throw emotions of greed and fear out of the window while investing and also how to protect yourself from loss.


4. Risk and Return

Yomi Jemibewon writes about a journey that begins with a search for self-fulfilment, which then evolves into an entrepreneurial adventure filled with tribulations, triumphs and many life lessons that will keep you engaged from start to finish.

It teaches you about a way to navigate the challenging and sometimes terrifying times that a person experiences when embarking on a big life change.


5. Stop Acting Rich…And Start Living Like A Real Millionaire


This book by Thomas Stanley gives a clear and simple message to its readers that “lasting wealth and happiness is rarely found through buying expensive things”.

It teaches you the difference between being rich and acting rich, and that wealthy people invest their money so that they can meet their long term goals.


6. You Are a Badass at Making Money

This book by Jen Sincero is about mastering your money mindset, there are a few practical tips that anyone can employ, no matter where you are on your financial journey. It teaches you how to invest in things that will help you grow financially.

Financial Independence is very achievable and you can get there no matter what stage you are in financially. Investing in the right plan will help you stay disciplined while also helping you meet your financial goals.

Our Money Appreciation Plan is the plan you need to build your wealth and scale your financial plans.

To get started, click here.


5 Reasons to Develop a Savings Culture

Posted on: 12th Oct 2020


Developing a savings culture is one of the best habits you can cultivate, however, it requires a lot of discipline. We have put together some good reasons why you should start saving now. See them below.

  • For Emergencies

Accumulated savings will go a long way in helping you deal with any financial emergency that might come up like medical needs, car troubles, need a phone change, etc. Savings reduces the risk of you getting stranded.

  • Helps Manage Job Loss

Losing a job is a traumatic experience. It is a huge crisis if you suddenly lose your job and you don’t have any savings. It will also be hard to get a loan when you have lost your job.
Life is a journey of an unexpected series, you want to always prepare for the unexpected.

  • Prevents Debts

A lot of people resort to taking emergency loans when they have emergencies whereas, someone who has savings for an emergency can easily solve their problems without getting into debt.

  • Financial Freedom

There is a special peace of mind that comes with the comfort of knowing that you are financially comfortable and can afford to take care of any financial emergency unlike living from paycheck to paycheck. With this you can think ahead of your children’s or grandchildren’s future, for best investment preferences you can check this ISA for grandchildren post here for more info! Also read this Investing Blog Source that can help you gain knowledge on trading your money.

  • Retirement funds

One of the long term benefits of saving is that you won’t have to worry about making a living after retiring. Making sure that you save a small percentage of your income over the years can add up to a huge amount as your retirement funds. That way, you can actually relax after retiring and travel the world.

You don’t need to have hundreds of thousands to start, for a plan that offers you more than just savings, check out our Money Appreciation Plan (MAP).


You Should Have An Esusu+ Plan, These Are Reasons Why

Posted on: 24th Sep 2020


A joint contribution (Esusu+) is a concept that has been in existence since the early 60’s or even more. It is when two or more people come together to save which then helps them achieve their goals with the money saved.

While our Esusu+ has the fundamentals of what joint contribution should be, our plan has even more benefits. See them below.

1. Teaches You Financial Discipline



To consistently take out a part of your money and save it will teach you financial discipline.

This helps you in the long run because you will be able to handle your finances better and not run into debt.

2. It Is Secured

Esusu + is a secure target savings plan that allows you to sleep well at night without the fear of someone running away with your money. You can regularly check your account balance with our CoralPay code.

3. Convenient Contribution Plans


With Esusu +, you have the option of choosing from our different contribution plans. Contribution can be made daily, weekly, monthly, or quarterly.

4. Your Contribution Accrues Interest

With Esusu +, your contributions are credited with a sizable interest.

5. You Get a Life Cover

Your Esusu + plan comes with an additional life cover to protect your savings. In case of the event of death, your beneficiary/next of kin will receive your savings.

6. Regular Updates

Having an Esusu + plan means that you are always kept in the loop with a regularly updated statement of account.

7. Access To Large Sum

The additional great thing about Esusu + is that you can use your accumulated savings to embark on a big project like buying land with the help of property solicitors, and legal assistance from Haitch Conveyancing Services, starting a business, paying rent, buying a car, or even investing them. So, if you’re considering buying a car, be sure to check these services here.
It gives you the opportunity to receive your money all at once rather than a savings accounts that you can dip into.

Our Esusu + Plan is the real deal. Click here to get started.

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