Louise MacLeod plans to save 25 per cent of her income once her business is established.
Louise MacLeod plans to save 25 per cent of her income once her business is established.

'Accounting skills I picked up come in handy'



Growing up with an accountant for a father and role model, an awareness of money management was instilled in me and my siblings from an early age. Now, at 28, I have a sixth sense for sound investment and as a consequence I have recently established my own relocation business called 2DXB with the help and guidance of an umbrella company here in the UAE.

Although I am British, I have been fortunate enough to live an international life. Born in Paris, my family moved to Tokyo when I was three. At the age of six, we moved to Norfolk in the UK, where I spent most of my childhood and early teenage years. I moved to the Middle East in 2004 when I took a job with Emirates Airline as cabin crew. My decision to move to Dubai was nothing to do with money, but more to do with expanding my horizons. Once I arrived I immediately realised the opportunity to save money, and I also saw a great potential for business. In 2007, I moved away from the airline industry and into relocation. In February this year I embarked on a new venture and decided to set up on my own. I feel that my educational background in leisure and tourism, as well as my experience as an expatriate, gives me the edge when it comes to understanding the requirements of relocation to and from a foreign country.

Having earned pocket money from a young age, I have always understood the connection between working and making money. My parents had a simple formula for determining how much pocket money I would make. At nine, I made 90 pence (Dh5) a week, which went up to £1 at the age of 10. I always took an interest in my father's work and often helped him with book-keeping tasks. This gave me an insight into having financial responsibility and taught me to appreciate the value of money.

Looking back, the accounting skills I picked up from my father have been of great assistance to me in today's business world. I have always tried hard to save money. If you build up your savings, sometimes it is wise to transfer money from your current account to a fixed-deposit account, where it will earn more interest and be less accessible to you, therefore avoiding any temptation to withdraw cash unnecessarily. Had I not been saving and building up some capital, I would never have been in a position to set up my business at the age of 28.

I was fortunate not to have to borrow money to help set up the business and, instead, could rely solely on personal savings. With my business, my monthly salary is variable. In these early stages it is hard to determine exactly how much, having paid the bills and rent, I have towards spending and saving. At the moment any spare cash is invested in the business. Once the business is more established I anticipate saving about 25 per cent of my income.

I am in the process of selling a company in the UK which I entered into as an investment in 2003. It is a small restaurant and hotel and it has recently been valued at double the price at which we bought it. Having anticipated that the start of my business would coincide with the onset of the financial crisis, I knew there would be a period of time when money was going out and not necessarily coming in, so fortunately, I was well prepared.

As with most people, I have had to make cutbacks in my personal life, such as choosing a cheaper gym membership, to help cope with the financial instability. However, I can't help but feel that perhaps we will all benefit in the long run through being forced to be more frugal with our money. After all, it would be silly to believe that money alone can buy you happiness. To some people, happiness is having a flashy car or the latest mobile phone, but to others, simply owning a car at all is a luxury.

If I became a millionaire overnight, I would start by paying my brother back the 1 yen I owe him - with interest, of course. I would like to think I wouldn't abandon the way I have managed my money up until now and I hope I wouldn't become frivolous. There are several charities close to my heart, including the Kidney Research UK and groups that research into coeliac disease, so I would use my unexpected windfall to donate funds to a good cause. * As told to Inga Stevens

A State of Passion

Directors: Carol Mansour and Muna Khalidi

Stars: Dr Ghassan Abu-Sittah

Rating: 4/5

What went into the film

25 visual effects (VFX) studios

2,150 VFX shots in a film with 2,500 shots

1,000 VFX artists

3,000 technicians

10 Concept artists, 25 3D designers

New sound technology, named 4D SRL

 

How to report a beggar

Abu Dhabi – Call 999 or 8002626 (Aman Service)

Dubai – Call 800243

Sharjah – Call 065632222

Ras Al Khaimah - Call 072053372

Ajman – Call 067401616

Umm Al Quwain – Call 999

Fujairah - Call 092051100 or 092224411

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AIR
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Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh132,000 (Countryman)
The specs

Engine: Direct injection 4-cylinder 1.4-litre
Power: 150hp
Torque: 250Nm
Price: From Dh139,000
On sale: Now

Company%20Profile
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Europe’s rearming plan
  • Suspend strict budget rules to allow member countries to step up defence spending
  • Create new "instrument" providing €150 billion of loans to member countries for defence investment
  • Use the existing EU budget to direct more funds towards defence-related investment
  • Engage the bloc's European Investment Bank to drop limits on lending to defence firms
  • Create a savings and investments union to help companies access capital
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SERIE A FIXTURES

Saturday

AC Milan v Sampdoria (2.30pm kick-off UAE)

Atalanta v Udinese (5pm)

Benevento v Parma (5pm)

Cagliari v Hellas Verona (5pm)

Genoa v Fiorentina (5pm)

Lazio v Spezia (5pm)

Napoli v Crotone (5pm)

Sassuolo v Roma (5pm)

Torino v Juventus (8pm)

Bologna v Inter Milan (10.45pm)

The specs

Engine: 2.9-litre twin-turbo V6

Power: 540hp at 6,500rpm

Torque: 600Nm at 2,500rpm

Transmission: Eight-speed auto

Kerb weight: 1580kg

Price: From Dh750k

On sale: via special order

The specs

Engine: 3.8-litre twin-turbo flat-six

Power: 650hp at 6,750rpm

Torque: 800Nm from 2,500-4,000rpm

Transmission: 8-speed dual-clutch auto

Fuel consumption: 11.12L/100km

Price: From Dh796,600

On sale: now

RACE CARD

4pm Al Bastakiya – Listed (TB) $150,000 (Dirt) 1,900m

4.35pm Dubai City Of Gold – Group 2 (TB) $228,000 (Turf) 2,410m

5.10pm Mahab Al Shimaal – Group 3 (TB) $228,000 (D) 1,200m

5.45pm Burj Nahaar – Group 3 (TB) $228,000 (D) 1,600m

6.20pm Jebel Hatta – Group 1 (TB) $260,000 (T) 1,800m

6.55pm Al Maktoum Challenge Round-1 – Group 1 (TB) $390,000 (D) 2,000m

7.30pm Nad Al Sheba – Group 3 (TB) $228,000 (T) 1,200m

Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home. 

Dr Afridi's warning signs of digital addiction

Spending an excessive amount of time on the phone.

Neglecting personal, social, or academic responsibilities.

Losing interest in other activities or hobbies that were once enjoyed.

Having withdrawal symptoms like feeling anxious, restless, or upset when the technology is not available.

Experiencing sleep disturbances or changes in sleep patterns.

What are the guidelines?

Under 18 months: Avoid screen time altogether, except for video chatting with family.

Aged 18-24 months: If screens are introduced, it should be high-quality content watched with a caregiver to help the child understand what they are seeing.

Aged 2-5 years: Limit to one-hour per day of high-quality programming, with co-viewing whenever possible.

Aged 6-12 years: Set consistent limits on screen time to ensure it does not interfere with sleep, physical activity, or social interactions.

Teenagers: Encourage a balanced approach – screens should not replace sleep, exercise, or face-to-face socialisation.

Source: American Paediatric Association
2025 Fifa Club World Cup groups

Group A: Palmeiras, Porto, Al Ahly, Inter Miami.

Group B: Paris Saint-Germain, Atletico Madrid, Botafogo, Seattle.

Group C: Bayern Munich, Auckland City, Boca Juniors, Benfica.

Group D: Flamengo, ES Tunis, Chelsea, Leon.

Group E: River Plate, Urawa, Monterrey, Inter Milan.

Group F: Fluminense, Borussia Dortmund, Ulsan, Mamelodi Sundowns.

Group G: Manchester City, Wydad, Al Ain, Juventus.

Group H: Real Madrid, Al Hilal, Pachuca, Salzburg.

Friday's schedule at the Etihad Airways Abu Dhabi Grand Prix

GP3 qualifying, 10:15am

Formula 2, practice 11:30am

Formula 1, first practice, 1pm

GP3 qualifying session, 3.10pm

Formula 1 second practice, 5pm

Formula 2 qualifying, 7pm

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The biog

Favourite books: 'Ruth Bader Ginsburg: A Life' by Jane D. Mathews and ‘The Moment of Lift’ by Melinda Gates

Favourite travel destination: Greece, a blend of ancient history and captivating nature. It always has given me a sense of joy, endless possibilities, positive energy and wonderful people that make you feel at home.

Favourite pastime: travelling and experiencing different cultures across the globe.

Favourite quote: “In the future, there will be no female leaders. There will just be leaders” - Sheryl Sandberg, COO of Facebook.

Favourite Movie: Mona Lisa Smile 

Favourite Author: Kahlil Gibran

Favourite Artist: Meryl Streep

If you go

The flights
Emirates (www.emirates.com) and Etihad (www.etihad.com) both fly direct to Bengaluru, with return fares from Dh 1240. From Bengaluru airport, Coorg is a five-hour drive by car.

The hotels
The Tamara (www.thetamara.com) is located inside a working coffee plantation and offers individual villas with sprawling views of the hills (tariff from Dh1,300, including taxes and breakfast).

When to go
Coorg is an all-year destination, with the peak season for travel extending from the cooler months between October and March.

Schedule for Asia Cup

Sept 15: Bangladesh v Sri Lanka (Dubai)

Sept 16: Pakistan v Qualifier (Dubai)

Sept 17: Sri Lanka v Afghanistan (Abu Dhabi)

Sept 18: India v Qualifier (Dubai)

Sept 19: India v Pakistan (Dubai)

Sept 20: Bangladesh v Afghanistan (Abu Dhabi) Super Four

Sept 21: Group A Winner v Group B Runner-up (Dubai) 

Sept 21: Group B Winner v Group A Runner-up (Abu Dhabi)

Sept 23: Group A Winner v Group A Runner-up (Dubai)

Sept 23: Group B Winner v Group B Runner-up (Abu Dhabi)

Sept 25: Group A Winner v Group B Winner (Dubai)

Sept 26: Group A Runner-up v Group B Runner-up (Abu Dhabi)

Sept 28: Final (Dubai)

Royal Birkdale Golf Course

Location: Southport, Merseyside, England

Established: 1889

Type: Private

Total holes: 18

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Who are the Soroptimists?

The first Soroptimists club was founded in Oakland, California in 1921. The name comes from the Latin word soror which means sister, combined with optima, meaning the best.

The organisation said its name is best interpreted as ‘the best for women’.

Since then the group has grown exponentially around the world and is officially affiliated with the United Nations. The organisation also counts Queen Mathilde of Belgium among its ranks.

Match info

Uefa Champions League Group H

Manchester United v Young Boys, Tuesday, midnight (UAE)

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