Joyce Ibitoye

Joyce Ibitoye I'm Joyce - I help diaspora women master personal finance and lay the foundations of lasting wealth. ACCA accountant. 25 years in finance.

I've walked this road too. Author of The Black Woman's Guide to Building Wealth.

01/06/2026

I waited for the big money before I would start saving. So I saved nothing.

But little beginnings are the training ground. You start small. You do it often. The muscle grows. The momentum builds. And before you know it, that small habit is carrying the life you once only dreamed of.

So if you've been waiting for the big money to arrive before you start — stop waiting.

Start with the little you have. Grow the muscle. The big money meets you ready.

👇 What's your small daily spend?

25/05/2026

If you spend everything you earn, more money will not fix it.

It will just give you more to lose track of.

I learned this twice.

First — as a mortgage consultant, sitting across from the highest earners who could not tell me where thousands of pounds had gone every month.

Then — looking at my own spending and realising the leak was not the amount I was earning. It was the absence of a system.

So before you go chasing a second job or a bigger salary Grab a notebook.

Track every tap.
Every transfer.
Every cash spend.

Get your spending under control first.

Because earning more without tracking what you already have is like pouring water into a leaking bucket.
That is where this series starts.

Save this. Come back to it.

Follow for the rest of the series.

Clip credit: on Instagram. Used briefly under fair dealing for the purpose of commentary and financial education.

22/05/2026

If you have spent years putting everyone else first and your finances got left behind — this page is for you.

I was in my forties. Drowning in debt. No savings. I work in finance and still got it spectacularly wrong.

In the middle of it I made a promise to God that if I got through it, I would spend my life teaching it.

I got through it. I kept the promise.

I am Joyce — chartered accountant, former banker, author of The Black Woman's Guide to Building Wealth. 25 years in finance. Still building.

It is not too late. Follow along.

20/05/2026

Most people see their 9–5 as the thing holding them back.

But sometimes the salary, structure, pressure and experience are quietly preparing you for the freedom you say you want.

Not every job is a dream job on the surface.

But do not underestimate what you are learning while you are there.

Fix My Finances — Episode 7

18/05/2026

Caption:

I thought getting a credit card meant I had finally “made it.”

But here is what we miss:
debt quietly delays wealth building.

Credit is so normalised that many people never stop to ask what it is costing them long term. Loans, overdrafts and credit cards can solve pressure today — but they can also reduce future choices if we are not careful.

When we are firefighting financially, the focus is usually survival now. The future feels far away. But every repayment with interest takes money away from future wealth building too.

Before borrowing money, ask yourself:
Will this increase my net worth or reduce it?

Fix My Finances — Episode 6.

15/05/2026

I couldn't feed my children. And I was terrified of God on top of it.
That's what years of tithe pressure does to a person. It doesn't build faith. It builds fear. And fear dressed up as scripture is still manipulation.
The verse they quote at you was written to Israel. Not to you. And the New Testament couldn't be clearer — don't give under compulsion, guilt, or fear.
If someone in your circle is carrying guilt they were never meant to carry, share this with her.

The first thing the government did during the 2008 financial crash was cut interest rates. That meant your savings earne...
14/05/2026

The first thing the government did during the 2008 financial crash was cut interest rates. That meant your savings earned less. Deliberately.

Saving crashes the economy they said.
Spending stimulates the economy they said.

But! hang on a minute!

We were spending. We still shopped for food, bought clothing for our kids, paid for travel back and forth, paid our electric, gas and phone bills. We were spending.

What they meant was, we stopped overspending.

Because these economies can only survive if we overspend and overconsume.

Think about that for a moment.

Is it any wonder you find yourself broke and accumulating liabilities?

This is not a conspiracy. The policy decisions are public. What does this policy mean for your personal wealth?

What else have we accepted without asking why?

13/05/2026

The deposit cleaned you out. No buffer. No safety net. And right on cue — the bank shows up with a loan offer, a credit card, a smile.

They are not celebrating with you. They are banking on you to fall into their carefully laid out traps.

The glam up feels urgent. It is not. Your reserves are urgent.

£50 a month rebuilt quietly is worth more than a home that looks the part but costs you sleep.

Do what got you here — and rebuild your stock before you spend another penny.

Follow for the rest of this series.

12/05/2026

Financial progress is rarely loud. It is quiet.

We are so used to being hard on ourselves that we hardly notice when we are doing well.

Nobody hands you a certificate the day you stop avoiding your bank account. Nobody throws a party the day you finally say "I cannot afford it" without flinching. Nobody claps when you stop being the village emergency funder.

But these are real milestones. Earned ones. Quiet ones.

If you saw yourself in even one of these signs — pat yourself on the back and keep going. You are further along than you think.

Save this and come back to it on the days you feel behind.
Which sign hit hardest? Tell me below — I read every comment.

11/05/2026

Your salary isn't wealth. It's just income passing through.

Income moves through your hands.
Wealth stays and builds.
£80K salary can mean minus £15K net worth.
£35K salary can mean £120K wealth.
We're earning more than ever — but the wealth gap isn't closing.

Calculate your net worth today.

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