15+ YEARS OF EXPERIENCE

Joy of Finance

…Creating generational wealth

My mission

Bridging the Racial Wealth Gap in the UK

The racial wealth gap in the UK is a pressing issue that affects many communities. My mission is to bridge this gap by providing financial education and resources tailored to the unique challenges faced by these communities. By empowering individuals with the knowledge and tools they need, we can create a more equitable financial landscape for everyone.

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About Me

Hello! I’m Joy Salaja, a Chartered Accountant with over 12 years of experience working with multinationals, in personal finance, financial literacy.

From a young age, I knew I was destined for greatness and envisioned myself reaching every part of the world. However, I believe it is my message that will truly make a global impact. My unique framework has allowed me to build a property portfolio, make sound investments, stay out of bad debt, and continually grow my financial assets.

My Why

Growing up as a first-generation immigrant, I had a love-hate relationship with money. From a young age, I felt immense pressure to grow up quickly and take care of my parents, a situation that included financial abuse. I struggled with this burden for a long time, but it led me to a crucial decision: I would ensure my children never felt the undue pressure and burden I experienced.

This is why I’m passionate about teaching people, especially within the immigrant community, how to create generational wealth.

Another driving force behind my mission is the staggering statistics from the Office for National Statistics, which reveal that financial debts exceeding financial assets are most prevalent among Black African and Other Asian groups (both at 44%). These households are twice as likely to face such challenges compared to White British groups. I am dedicated to bridging this racial wealth gap in the UK and empowering these communities through financial education.

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Let’s Numbers Talk

44%

Migrants have financial debts exceed financial assets

8.3m

People are over indebted

50%

UK adults are financially stressed

22%

Adults have no pension savings

My Services

Innovative Solutions for Modern Challenges.

For Individuals

Customized One-on-One Coaching

Personalized sessions designed to help you manage your finances, create effective budgets, reduce debt, enhance financial well-being, and plan for future goals like home ownership, education, and retirement..

Financial Planning

Comprehensive planning services to help you achieve short-term and long-term financial goals.

Investment Strategies

Guidance on creating and managing a diversified investment portfolio tailored to your risk tolerance and goals.

Debt Management

Strategies to help you pay off debt faster and more efficiently.

For Corporate Clients

Comprehensive Financial Education

Tailored programs for employees, including workshops, seminars, and one-on-one coaching sessions. These services aim to improve financial literacy, reduce stress, and boost overall employee performance and satisfaction.

Workshops and Seminars

Engaging and informative sessions designed to educate employees about various aspects of personal finance, from budgeting to investing.

Employee Financial Wellness Programs

Ongoing support and resources to help employees manage their finances and reduce financial stress, leading to a more productive and satisfied workforce.

The Impact of Not Taking Control of Finances

Failing to take control of your finances can have significant consequences. Here are some alarming statistics from the UK:

Debt Levels

According to the Money Advice Service, 8.3 million people in the UK are over-indebted, struggling to keep up with bills and credit commitments.

Savings Crisis

A survey by The Independent found that nearly 25% of UK adults have no savings at all, putting them at high risk in case of emergencies

Financial Stress

Research from the Financial Conduct Authority (FCA) shows that 50% of UK adults display one or more characteristics of potential vulnerability, including financial stress.

Retirement Woes

The Pensions and Lifetime Savings Association (PLSA) reports that 22% of working-age adults are not saving anything for retirement, which could lead to financial difficulties in later life

Impact on Mental Health

The Royal College of Psychiatrists found that half of adults in problem debt also have a mental health problem, highlighting the close link between financial issues and mental well-being.

Speaking Engagements

If you or your organisation are looking to hire an expert speaker on personal finance and financial literacy, I offer engaging and impactful speaking services. My talks are tailored to inspire and educate, covering topics such as:

Financial literacy and its importance

Building generational wealth

Effective debt management strategies

Investment basics and strategies

Bridging the racial wealth gap