Kia, who hosts the Pennies to Kilos podcast, 23, shares cash tricks to 1000’s on-line. The savvy spender started by aiding her buddies and college, and now runs the award-winning podcast and monetary literacy on-line hub Pennies to Kilos.
“I feel that is actually helped me to maintain my financial savings and never dip into it, and be much more disciplined.”
The saver, who hosts ideas and financial savings challengers on her Instagram account, defined it is a tip she tailored after being suggested to do one thing related as a young person.
“That was one of many ideas my dad and mom gave me after I was 17, and as I acquired older I assumed that is actually good, I will have a financial savings account for this and that.
“While you arrange an account you do not have to join on-line banking, so that you simply do not choose that choice.”
Kia defined her journey to working her personal monetary literacy programme.
She stated: “I’ve at all times been inquisitive about private finance. My dad and mom, after I was youthful, taught me about fiance. As I acquired older, they taught me completely different cash classes as I used to be rising.
“The primary cash lesson I realized was having a cash field, the place my dad and mom would put cash I used to be given as presents.
“After I acquired to the best age, at about 11, we opened a financial savings account, a junior account. My mum walked me to the financial institution and I acquired somewhat financial savings e book. My mum would take me as soon as a month to place in my change.”
After studying monetary duty at younger age, she realised not all her friends benefited from the identical schooling whereas at college finding out French and Enterprise.
Kia stated: “After I went to school and moved away from house, that is after I had the shock. Though I had been taught classes by my dad and mom, placing it in apply is one other lesson – studying how you can handle payments, budgets and handle procuring. I used to be actually good at it, nevertheless it was nonetheless an adjustment interval.
£I observed I had lots of buddies who have been very a lot struggling. I helped my buddies finances cash once they wanted assist. Then I realised, what, if my buddies are struggling, different younger individuals our age are struggling.
£So, I arrange a Youtube channel in 2018, after I was 20, the place I created Youtube movies on PF.
“I used to be nonetheless looking for my stream and it did not have the reception I used to be anticipating initially, so I put it on pause.
“It was later in 2019 after I wrote a thread concerning the Assist to Purchase Isa, that ended up going viral. Folks have been asking for me to write down extra threads. Then they requested me to do one thing else, they wished to eat the content material in one other method, so I arrange the Pennies to Kilos podcast.”
Now Kia offers steerage on her Youtube to nearly 2,000 followers and on TikTok to nearly 10,000 followers right here.