Back to work after the Easter Break….

Surely, it must feel good to be back at work. After all the lyming, relaxing and travelling, we hope you factored in enough rest to start this week powerfully.

Productivity Increase
We get right into it for Team Productivity, picking up where we left off last week:

Do you find that you are most productive in the afternoon? What if your team is not just for a specific project, but you are a part of a department; where everyone has to work together everyday? 

1. How streamlined are your processes? 

2.How much do you believe your current processes allow you to maximize on your time?

PFS talks about looking at the processes that your department uses; ensure that you are getting quality for the process as well as you being able to do so in the quickest time possible. What are your processes?

Let’s try to follow this rule more than we break it.

On a more concerned note: The title alone, (click on the link) is enough reason, prompting one to pause and ponder: ‘am I included in that household number? Every debt, must be balanced in your budget. Based on BOJ’s findings, consider: say for instance a car; how does borrowing to acquire a high-end contribute to your income, that is stagnant? This is the more concerning than most; continued borrowing against a barely sufficient salary that sees no increase with any regularity, is basically asking your budget to perform a miracle!!! This represents the opposite of sound financial management and decision-making.  Remember your financial goals and your financial health. If you continuously ask how financially healthy you are before borrowing, more objective thinking can be used.

Yes, PFS wishes with all this information, that you proceed with purpose, renewed confidence in achieving your goals and holding yourself accountable to your dreams.

Have a productive week family!!!



Happy Thursday!!!

It is refreshing sometimes to go against the norm, and do things a little differently. Example, today being the last work day of this week, tasking PFS with wrapping Wednesday and Friday posts in one neat little bow, then send you off to a long weekend. Are you looking forward?

For all the business minded, we share with you from an entrepreneur coach, with years of experience, an article on having a practical and innovative strategy, or two, for your small business. Yaneek Page is one of Jamaica’s own and many are familiar with her work. The most valuable part of her work, is that it can apply to micro businesses, small businesses etc. Trust Yaneek Page to tackle issues that every business can relate to in one way or another. Not only is she not creating false ideologies, that no business will ever be tainted by complaints, she says ‘what do you do when your customers complain?”

Happy Easter

There are not many things, that we may plan to do this weekend, that will require serious/ hard work or concentration. Of course, PFS always encourages time to reflect and seek ways to continuously improve our lives. The span of four days can by in a blink (or as fast as time currently travels); ensure your moments are spent doing things that are meaningful to you and bring a sense of gratitude and inspiration. 

And of course, it would be uncharacteristic of us, to not encourage that you hold tight on the purse strings for this weekend; despite all the attractions and activities and fun ideas that will come, one event may lead to another and if we are not careful, we end up spent out, after the holiday has passed. Question: who made a budget for Easter? Even if it just the customary bun and cheese, certainly we don’t buy this everyday or as much as we would purchase over Easter.

With blessings of a safe, inspiring and enjoyable weekend, PFS says ‘so long, until next week’!!!



Happy Monday!!!!

Welcome to the second Monday of the first month for the second quarter. It is nothing more heartwarming, especially for us at PFS, than to engage with customers who actually take our advice. Imagine yourself in a position of urgent need and you seek our assistance. What if you were not able to afford what you wanted to borrow, but due to financial advice from PFS, you found that re calibrating your budget and pooling your resources, means you can still get the assistance you needed? This summarizes the experience of customers when they come to PFS seeking financial assistance.

Productivity Increase

With that said, we give another type of advice, all geared at the full customer and not just their financial position. On the topic of team productivity; we re-introduce taking breaks. Much like individual productivity, despite a team being hard pressed to meet a deadline, it is counter-productive to not give your brain breaks. In previous posts, we would have explored the benefits of taking breaks and their benefits also apply to teams.

By now, we sure hope the days of Monday blues are gone. But just in case, you fell the blues; you can be grateful of the fact that you are not amongst the percentage of those currently without gainful employment.


Our inspiration for the week will be achieved if you get on board with bettering self. Last Friday, for World Health Day, the theme was ‘Depression: Let’s talk.” Did you know that finances greatly affect those who experience depression. Even if it is only that, due to lack of finances, they are unable to access treatment. Finances is one of those topics that it can be exaggerated that it must be handled with respect and care. How are you managing your finances today?

With encouragement to take teams breaks and to constantly monitor your personal finances, we send you off to a productive Monday!!!

Happy World Health Day!!!

Have you all gotten a chance to visit the Emancipation Park with all the displays, talks etc on Health? Today is World Health Day, and the focus as shifted to Depression. The UN is  encouraging us to talk more about Depression to reduce the stigma and to also encouraging us as individuals to simply TALK. Has it been found that talking prevents the problem? Not exactly, but talking never hurts.

There are many things that can cause depression, in any society. Crime, violence, missing children, insecurity, taxes, high cost of living; just to name a few. Our responsibility as individuals is to see how any of these stressors can be prevented and if left unsolved, how costly can they become? The time has come that we stop ignoring what only can have ill effects for us in the long run; emotionally, socially and financially.

Your partner in Finance encourages you to remember what your priorities are and ensure that your goals are so aligned. This does not mean however, that you ignore the everyday experiences that help or hurt, that can develop into habits, good or bad. Talk.

PFS’ tip: when going after your goals, “do not forsake the everyday experiences, that help or hurt and become habits, good or bad.”

PFS sends you off to a weekend of restoration and meditation. Is there a conversation you need to have, but you do not know who to have it with? Find out by simply reaching out to someone. Happy Friday!!!

Happy Business Wednesday!!!

With no hesitation, let’s get down to business.

Entrepreneurial Advice
How does ‘Spend less than you earn sound?

Whether it sounds like something you agree with or not, this is what Derek Blair has advised you to do. With cost of living on the rise and a dollar that seems extremely ‘easy to disappear with little to show for it‘, means we must constantly monitor what we are spending on. This feat of spending less than you earn, may seemless realistic, when in some households expenditure is often times more than the income. Jamaicans are survivors at heart, and often find means to balance their expenditure. However, if we do not monitor our spending, how would we know when we begin to over-spend? 

Budgeting is not static.

Your budget changes as do your needs and as do your circumstances. This means, you must approach your budget with that same focused and business-like approach, as you do your tasks at work. You rule your personal finances, and if we are not careful, this can spiral out of control. 

Considering Starting Your Own Business-

In our start-up corner, we explore the phenomenon that some start-ups simply do not make it past their second or third year. There is also a flip side to that coin; how many start-ups are determined to start what they finished and deliver what they promised? Fast forward to today, as a customer, how would you feel if your favourite salon or grocery shop just closed down? Gone is your comfort and convenience. If you have a solution to a problem, then commitment then becomes even more important.

The same goes for other goals that we may have. That we had at the start of the year, however, the first was rough? Expect rough times, your goals would hold little substance without its testaments. Work to finish something you had started.

Happy business Wednesday family!!!
































































































































































































Hello April!!!!

We are all of 3 days into the first month of the second quarter. Is that a lot to take in? Nevertheless, each new day, new month etc., always offer an opportunity to make the necessary changes that all will add value to our quality of life and the lives of those around us. 

It is always best to start any work week  on a productive note. Today in team productivity, we look at:

Communication and the standards of maintaining a flow of important information. Encourage your team to be not only independent thinkers but also problem solvers. This way, before there is an influx of questions, concerns or problems facing any project; incite a culture of everyone coming with solutions. This is more time effective and it only adds value to the team and the success of the project. Important updates, decisions and the like, should be the focal point of communicating. More time is spent working.

Our inspirational quote for this week is simple:

“Do not lose of your dreams and ambitions. For if you do, you may still exist, but you may cease to live.” Henry David Thoreau.

Remember that your personal goals, also, must be aligned as close as possible to the timeline you had given yourself. What did you set down to accomplish this week? Is there anything you need to redo this month, in a different way, using a different strategy?

And to speak further on goals:

How has the first quarter seen your finances? We hope by now, that most households have re-penciled their budgets to still be able to maintain quality of life. Despite the odds that many households may face, we pray that your standard of living has not been diminished, except as minimally as possible.

PFS sends you off to another productive week, encouraging you to capitalize on any opportunity that comes, that is aligned with your goals.