It has been a pretty fucking sweet year at Chateau Zombie.
I started a blog, started to get my financial shit together, sweated over asset allocations, got an article on rockstar finance (thanks to who nominated it), wrote a letter to myself, invented the financial independence RPG….. oh yeah and got engaged.
But I can’t help noticing it has all been a little bit selfish. Drop kicking consumerism in the balls, reducing your outgoings and finding an huge, yet super awesome, target for your savings is good. Very good. It certainly seems like a step in the right direction but it does sometimes all feel a little self centered.
Donating to charities
I’ve done a few things to raise money for charity (the three-peaks challenge, a 24 hour cycle, Lands End to John O’Groats) and I organise a charity fun run each year. Normally for Cancer Research UK or the Make a Wish foundation.
But I am always a bit suspicious that donations go towards paying for some toad-like CEO to drive his bloated body about in a Mercedes or a ‘do-gooder’ that also demands a high salary because they are worth it. I’m not against higher salaries in principle, but a bit of transparency wouldn’t go amiss.
After a bit of research I found these guys – Deki, based a little close to home in the West Country.
They provide a platform that let’s you lend to individuals, largely in Africa, where a small amount could make a huge difference. The loans are used for a variety of things including livestock purchases and education.
The loans are repaid back to you (with an impressive 99.8% repayment rate) and you can then choose to use it for another loan, the gift that truly does keep on giving. Far better than leaving your cash in some shite account earning 0.25%.
I signed up and made my first donation and it took all of 10 minutes.
The process in a nutshell;
Think some nice holistic hippy thoughts;
Set up account at Deki;
Choose a entrepreneur you want to lend to through the website;
Fire some funds over to Deki (minimum of £10);
Wait for 6 to 12 months;
Receive repayment and then use the money on another loan or keep it.
and… that’s it. Easy.
I have lent £10 a month for a couple of months and will continue to do so, see how it pans out and post an update in the future here.
I’ll have to make do with a couple less latte’s a month 🙂
|Just thinking some hippy thoughts|
Spend less on tat, lend to Deki, Save More & Escape the Horde.
(Thanks to DD for giving me the inspiration to get round to writing this with a recent post)