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Cleona Lira

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Cleona Lira
General Finance
Conscious Money, Minimalism, Frugality, Conscious Consumption, Personal Finance
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London, London, United Kingdom
Life stage:
DINK (Dual Income, No Kids)
Financial Advisor
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Latest Blog Posts

The first time I used a smart phone was in 2012. I missed my train stop to work because I was distracted, a phone with bright colours and internet was new and fun to me. I didn’t register the distraction as a major problem then. Technology offers us all a gazillion ways to interact with […] ...
Posted: Feb 23 2018 @ 9:59 AM
“Residential stability begets a kind of psychological stability, which allows people to invest in their home and social relationships”. – Matthew Desmond Matthew Desmond, an American sociologist wrote this brilliant book Evicted: Poverty and Profit in the American City whilst living near the families whose lives he wrote about. The book also won the 2017 Pulitzer […] ...
Posted: Jan 26 2018 @ 7:01 PM
I met a financial advisor for a coffee a few weeks ago. He wanted to pick my brains about ethical investing. He said he wanted to be ‘more green’ and wanted my advice on building ethical portfolios for clients. He seemed to think ethical investing was merely about avoiding tobacco and arms; it’s moved on […] ...
Posted: Jan 11 2018 @ 5:19 PM
My intention for 2018 is to read every day, meditate every day, cut back on social media time and be more like Cal Newport who inspires me with his writings on ‘deep work’. January is a digital detox month and my brain already feels so much clearer. I cheated a little bit though and have […] ...
Posted: Jan 06 2018 @ 10:12 PM
If you have been reading my blog for a while, you will know my obsession with the teachings of Marshall Rosenberg, creator of Nonviolent Communication. Another teaching related to money and work  landed in my news feed recently. I found it simple, beautiful, practical and inspiring. I hope you enjoy it too. When I advise, […] ...
Posted: Dec 20 2017 @ 1:45 PM
How often should you be checking your investment portfolio' Does it matter' From the viewpoint of behavioural biases, there is evidence that experiencing losses leads to poor choices. Loss aversion – our intense dislike of losses can cause us to lose even more if we pay attention to our portfolio losing money. It hasn’t been […] ...
Posted: Dec 07 2017 @ 4:26 PM
There were no significant tax changes in the Autumn Budget. Some of my clients were worried about changes to pensions taxation; thankfully this did not happen. Here are some of the key points to bear in mind with personal financial planning: ISAs Annual ISA limits stay at £20,000 per person, with a range of different […] ...
Posted: Dec 06 2017 @ 6:07 PM
At a recent workshop, we explored our relationship with money using money games. Everyone was asked to bring a ‘meaningful’ amount of money to the workshop. After a round of introductions and exploring what money means to each of us, we set about trying to understand through a shorter version of the game, our feelings […] ...
Posted: Dec 06 2017 @ 5:39 PM
“Tax is actually the Government’s money that we sometimes hold on its behalf” – Richard Murphy Tax is not the most riveting topic to read about. The author’s work with the Tax Justice Network got my interest and I bought the book. Richard Murphy, a Chartered Accountant in the UK is passionate about this topic […] ...
Posted: Nov 21 2017 @ 4:35 AM
“The mortal enemy of investment success is fear.” – Nick Murray I was fortunate enough to buy Nick Murray’s book The Excellent Investment Advisor early on in my advisory career. It made complete sense to me, stressing the role of an investment adviser as behavioural coach. I recently heard about Simple Wealth, Inevitable Wealth on […] ...
Posted: Nov 06 2017 @ 4:31 AM


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