Hi there!!! Welcome to my personal finance blog, SavvyDollar. My name is Nermeen Ghneim; mother of 2 children, wife, full-time bank manager, and a caring daughter for two elderly parents.
In 2003, I was recruited by a bank manager to join a financial institution as a teller. At that time, I was in college, working nights, and weekends. I was saving money by living in my parent's basement. My main concern was how I would continue to pay for college.
When the banking opportunity knocked on my door, I couldn't believe it. During the interview, I was amazed when the recruiter told me that they offer tuition reimbursement; all I needed to do was maintain a good GPA and take banking related courses. It was a dream opportunity, and it kicked off my financial journey.
While working on my business degree, I started as a teller at the bank. I worked hard at it and was advancing both at school and at work. It paid off. I received several promotions that resulted in higher income, and I obtained my Bachelor's Degree in Business Administration.
After graduating from college, I continued in banking and eventually became a bank manager. Fast forward 13 years later, I was having a conversation with my husband, and we were discussing our financial goals.
At this point in our life, we had paid off our student loans, carried no credit card debt, and increased our credit scores. Things were going well, but we wanted to ensure our financial wellbeing and secure a good future for our family.
Our financial stability took some time, but it was worth every step, and many lessons were learned.
SavvyDollar is about:
- Avoiding lifestyle creep so that you do not derail your savings goals.
- Prioritizing retirement savings before non-essential expenditures.
- Making sound financial investments to grow your money.
- Spending smarter and getting the most for your money.
- Using your money for the things that are important to you while also identifying expenses that are not so important.
SavvyDollar Media Mentions
- Yahoo Finance: 7 Grocery Receipt Scanning Apps You Should Try
- MSN Money: 13 experts weigh in on Elizabeth Warren's 50-30-20 spending rule
- GO BankingRates: 31 Dumb Things That Are Keeping You From Becoming Wealthy
- OPP Loans: How to Open a Bank Account
- OPP Loans: Cut Down On Vacation Costs
- Discover: Banking for Busy Parents: 4 Essential Checking Account Features
- Consolidated Credit: 19 Experts Respond: Teens, Money and Financial Independence
- Business Insider: 10 ways you didn't know your bank could save you money
- UPJourney: What Is Financial Literacy and Why Is It Important?
- CreditCards.com: Money-saving tips for hosting family for the holidays
In 2018, I decided to start SavvyDollar – a personal finance blog to help consumers obtain financial independence. I wanted to share ways to save money, make money, and pay off/reduce debt the smarter way. It has been an exciting journey.
It all started when my husband and I were talking about an endearing letter I received. One of my clients thanked me for helping him restructure his debt, reduce monthly payments by four thousand dollars, and add some cash back into his bank account.
That's was my aha moment. I said to my husband; I would love to do this for so many people.
My passion is to help individuals and their families find ways to reduce debt, increase income, and have financial stability.
Being the family's financial guru, I knew it was essential to share financial tips with my family and friends. But, I also wanted a way to express my ideas with people outside of my circle.
That is when I decided to start a personal finance blog. It is a great way to document existing and new lessons learned; plus, I am learning the ins and outs of how to create a website!
Finally, I wanted to say that I would not be a blogger without my family and my team's support. I am very blessed to have a team that works behind the scene to help make it happen.
Welcome to Savvy Dollar. I hope my blog can help you take charge of your financial roadmap. Also, I look forward to hearing your ideas.
Thanks for visiting SavvyDollar.com!