Is it all avocado on toast for millennials or is there a real financial quarter-life crisis?
Australian tycoon Tim Gurner once infamously blasted millennials for spending $19 on smashed avocado that they could be saving towards their first home. That spendthrift reputation appears to be backed by a survey by the UK’s First Direct Bank, which claims more than half of millennials spend more than they earn each month.
But research from the US Bureau of Labor Statistics shows that Generation Y spend a huge 13 per cent of their income on rent and prioritise healthy foods and education more than older generations do - while Facebook claims that this canny cohort is redefining financial success, with half trying to become debt-free.
Dubai blogger and teacher Zach Holz, 34, calls his a “debt-ridden generation”, hit by the ballooning costs of education combined with fairly stagnant wages – with, he adds, the best jobs tending to be in cities with exorbitant costs of living.
A study released last week by UBS found Dubai was the third most expensive destination for expats in the world. However, despite being pricey, it's pretty affordable when it comes to millennial must-haves with a handful of avocados only setting residents back $4.85 compared to $8.27 in Switzerland. An iPhone in Dubai costs am average $1,212 compared to $2,242 in Argentina. But do not buy a coffee in Dubai - it comes in the most expensive in the world at $5.70.
UAE millennials also have no government pension to fall back on, says Mr Holz, and risk walking away from their time in the Emirates with nothing thanks to the high-living lifestyle.
With these types of concerns, there is huge demand for (free) millennial finance advice for the under-35s. Blogs, says Mr Holz, offer fast advice and are “less intimidating” than finance books. Here are 10 of the best:
Half Banked (US)
A personal finance blog for “millennials that want to manage their money and still have a life” by Desirae Odjick, who managed to cobble together a $20,000 down payment for a house and put together an emergency fund for herself - and one for her “expensive” dog too. A low bar, she admits, but she had previously always raided her savings “to the dollar” so a definite improvement. A professionally designed and well-written blog with lots of millennial speak thrown in - so it’s no surprise to learn that Ms Odjick is a marketer by profession.
Blog highlight: What You Need To Do Before You Earn More Money. People saying that they will only be able to save or budget when they make more money makes Ms Odjick "cringe" – just save and set goals now.
Twitter followers 6,000
The Happiest Teacher (UAE)
Zach Holz is a Dubai-based American teacher who has been blogging about teaching and investing for just four months. He says that so many posts written by teachers are "angry" - as they are "frazzled, near-destitute and just deeply negative" - that he wanted to provide a "counterpoint". He also decided to get on the financial independence train after seeing a talk by retired expat teacher Andrew Hallam in Dubai. "It seemed a lot of the other blogs were being told as a retrospective," he says. "The authors had already achieved financial independence. I wanted to show the journey from a fairly new standpoint, as I'm only two years into investing." This blog is good for covering UAE-specific issues - like having to pay rent in one cheque.
Blog highlight: How do you save money? A simple system. Mr Holz discusses how he reaches his $20,000-a-year savings target by saving Dh8,000 a month, for nine months of the year, with his discretionary spend limited to Dh150 to Dh270 a day.
Twitter followers n/a
The Financial Diet (US)
This four-year-old blog by Chelsea Fagan invites guest posts from other Generation Y writers on setting short-term goals, money, career, college, living and travel. Ms Fagan really hits the millennial issues head-on although, with so many guest posts, it’s now hard to find her content. The author of several books has her own small section on the site: Ask Chelsea Anything. One post here focuses on what to do when your partner is terrible with money; another on the finances of being sick. The clickbait headlines certainly kept me engrossed.
Blog highlight: Minimalism Is Just Another Boring Product Wealthy People Can Buy. How decluttering has turned into a consumer competition to spend the most on the smallest capsule wardrobe.
Twitter followers 22,600
________
Read more:
10 blogs to help you achieve financial independence
Dubai blogger behind 'I Retired Young' on how he achieved financial independence
Geneva most expensive expatriate city in the world, new study says
_________
Millennial Money Man (US)
Bobby Hoyt has some simple tips: live below your means, don’t finance stuff you don’t need and work really hard - then make your money work hard too. He paid off $40,000 of student debt in 18 months on a teacher’s salary. Mr Hoyt, who now blogs full-time, claims a million annual readers, so his story has proven quite the draw. Let him help you “attack your debt, make more money and create an awesome life”.
Blog highlight: Signs you are Living Beyond your Means. This includes not saving 10 per cent of income, paying the minimum balance on your credit card or taking out a loan to pay for a vacation.
Twitter followers 17,500
My Fab Finance (US)
Break the cycle of living pay cheque to pay cheque, says Tonya Rapley, because understanding money “isn’t as hard as we assume it is”. A blog that is quite hard to follow visually - and there’s a lot else going on here too, from a downloadable e-book to a ‘debt elimination’ course and a private community. Money is not the only focus from this millennial consultant: there’s also professional development, entrepreneurship and lifestyle.
Blog highlight: 10 Ways to Reduce Monthly Expenses without Much Effort. Stick to reusable water bottles and keep your air filters clean to keep your bills down.
Twitter followers 17,700
Cait Flanders (US)
Cait Flanders has shut down her original Blonde On A Budget blog (started in 2010 when she was 25 and had $24,000 of debt) in favour of an eponymously named one. While she is still both blonde and on a budget, the name began to feel too "young", she says. Her main message is about conscious consumption: Ms Flanders embraces minimalism and gave up shopping for two years to live on 51 per cent of her income and save a third. It's something almost impossible to imagine in the consumer-focused UAE but resulted, for her, in a book earlier this year - The Year Of Less. Not an easy blog to dip into, as the archives follow the old-fashioned monthly blog categorisation of posts.
Blog highlight: Why I Stopped Tracking Everything and Started Making Intentional Decisions. Ms Flanders, historically an ardent tracker of spending, steps and food intake, went "cold turkey" in favour of a more intentional way of living.
Twitter followers 12,700
20something Finance (US)
After graduation, GE Miller was making just $30,000 per year working 50 to 60 hours a week at a job that “did not require a college degree” - so he started “hacking” his finances by downsizing his house, cycling to work and becoming vegetarian. Eventually he was saving 85 per cent of his earnings, “21 times the average US savings rate of four per cent”. Mr Miller focuses on lifestyle finance, early retirement, frugality and investing.
Blog highlight: Our Cheap Wedding: 7 Steps for an Awesome $2,500 Wedding. The average wedding costs upwards of $35,000 but Mr Miller spent under a tenth of that - less, in fact, than he did on an engagement ring.
Twitter followers 2,700
The Young Money Blog (UK)
This blog was set up by freelance journalist Iona Bain to teach young people about money. A “youthquake” is needed in personal finance, she says, as millennials are often poorly educated about and disengaged with money, while failing to hit milestones (marriage, house, children) at the same predictable ages baby boomers did.
Blog highlight: What young folks are REALLY doing with their dosh. From starting businesses or working more flexibly to finding more creative ways to get on the housing ladder.
Twitter followers 4,000
________
Read more:
Don't write off paper bank statements in the UAE just yet
Debt aware millennials are ditching credit cards
Personal finance in the UAE: Residents track finances better but struggle with saving and debt
________
Making Sense of Cents (US)
Here’s a blog to make you sit up and pay notice. Former financial analyst Michelle Schroeder-Gardner reached financial independence before she turned 30 and makes $100,000 a month from this blog, with 300,000 monthly readers. She is now a ‘solopreneur” and full-time traveller, currently touring North America in a camper van. Her goal is to work less than 10 hours a week - something we can all aspire to.
Blog highlight: I'm a Female Breadwinner! I Earn Much More Than My Husband – So What? Ms Schroeder-Gardner says she is the breadwinner but her husband does the cleaning, meals and household management - and he makes sure she looks after herself too.
Twitter followers 18,900
Young Adult Money (US)
Some fairly standard advice from David Carlson on using the debt snowball to reduce your debt (pay off one loan then attack the next with the amount you would have been repaying on the first). There is also a 52-week saving challenge (saving $1 in week 1, $2 in week two, $3 in week three up to $52 in week 52), as well as advice on starting an emergency fund and meal planning.
Blog highlight: Should You Invest When You are in Debt? The answer is not a straightforward 'no' but a thoughtful look at the type of debt, interest rate and your attitude to having debt.
Twitter followers 10,500
SPECS
Engine: Two-litre four-cylinder turbo
Power: 235hp
Torque: 350Nm
Transmission: Nine-speed automatic
Price: From Dh167,500 ($45,000)
On sale: Now
Thank You for Banking with Us
Director: Laila Abbas
Starring: Yasmine Al Massri, Clara Khoury, Kamel El Basha, Ashraf Barhoum
Rating: 4/5
The biog
Born: High Wycombe, England
Favourite vehicle: One with solid axels
Favourite camping spot: Anywhere I can get to.
Favourite road trip: My first trip to Kazakhstan-Kyrgyzstan. The desert they have over there is different and the language made it a bit more challenging.
Favourite spot in the UAE: Al Dhafra. It’s unique, natural, inaccessible, unspoilt.
Crazy Rich Asians
Director: Jon M Chu
Starring: Constance Wu, Henry Golding, Michelle Yeon, Gemma Chan
Four stars
Mountain%20Boy
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The bio
Who inspires you?
I am in awe of the remarkable women in the Arab region, both big and small, pushing boundaries and becoming role models for generations. Emily Nasrallah was a writer, journalist, teacher and women’s rights activist
How do you relax?
Yoga relaxes me and helps me relieve tension, especially now when we’re practically chained to laptops and desks. I enjoy learning more about music and the history of famous music bands and genres.
What is favourite book?
The Perks of Being a Wallflower - I think I've read it more than 7 times
What is your favourite Arabic film?
Hala2 Lawen (Translation: Where Do We Go Now?) by Nadine Labaki
What is favourite English film?
Mamma Mia
Best piece of advice to someone looking for a career at Google?
If you’re interested in a career at Google, deep dive into the different career paths and pinpoint the space you want to join. When you know your space, you’re likely to identify the skills you need to develop.
The specs
Engine: 2-litre or 3-litre 4Motion all-wheel-drive Power: 250Nm (2-litre); 340 (3-litre) Torque: 450Nm Transmission: 8-speed automatic Starting price: From Dh212,000 On sale: Now
The Specs:
The Specs:
Engine: 2.9-litre, V6 twin-turbo
Transmission: 8-speed automatic
Power: 444bhp
Torque: 600Nm
Price: AED 356,580 incl VAT
On sale: now.
COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
COMPANY PROFILE
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Total funding: Self funded
COMPANY%20PROFILE
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Singham Again
Director: Rohit Shetty
Stars: Ajay Devgn, Kareena Kapoor Khan, Ranveer Singh, Akshay Kumar, Tiger Shroff, Deepika Padukone
Rating: 3/5
About Okadoc
Date started: Okadoc, 2018
Founder/CEO: Fodhil Benturquia
Based: Dubai, UAE
Sector: Healthcare
Size: (employees/revenue) 40 staff; undisclosed revenues recording “double-digit” monthly growth
Funding stage: Series B fundraising round to conclude in February
Investors: Undisclosed
Men's football draw
Group A: UAE, Spain, South Africa, Jamaica
Group B: Bangladesh, Serbia, Korea
Group C: Bharat, Denmark, Kenya, USA
Group D: Oman, Austria, Rwanda
Mobile phone packages comparison
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.
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One in nine do not have enough to eat
Created in 1961, the World Food Programme is pledged to fight hunger worldwide as well as providing emergency food assistance in a crisis.
One of the organisation’s goals is the Zero Hunger Pledge, adopted by the international community in 2015 as one of the 17 Sustainable Goals for Sustainable Development, to end world hunger by 2030.
The WFP, a branch of the United Nations, is funded by voluntary donations from governments, businesses and private donations.
Almost two thirds of its operations currently take place in conflict zones, where it is calculated that people are more than three times likely to suffer from malnutrition than in peaceful countries.
It is currently estimated that one in nine people globally do not have enough to eat.
On any one day, the WFP estimates that it has 5,000 lorries, 20 ships and 70 aircraft on the move.
Outside emergencies, the WFP provides school meals to up to 25 million children in 63 countries, while working with communities to improve nutrition. Where possible, it buys supplies from developing countries to cut down transport cost and boost local economies.
Ultra processed foods
- Carbonated drinks, sweet or savoury packaged snacks, confectionery, mass-produced packaged breads and buns
- margarines and spreads; cookies, biscuits, pastries, cakes, and cake mixes, breakfast cereals, cereal and energy bars;
- energy drinks, milk drinks, fruit yoghurts and fruit drinks, cocoa drinks, meat and chicken extracts and instant sauces
- infant formulas and follow-on milks, health and slimming products such as powdered or fortified meal and dish substitutes,
- many ready-to-heat products including pre-prepared pies and pasta and pizza dishes, poultry and fish nuggets and sticks, sausages, burgers, hot dogs, and other reconstituted meat products, powdered and packaged instant soups, noodles and desserts.
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
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How to protect yourself when air quality drops
Install an air filter in your home.
Close your windows and turn on the AC.
Shower or bath after being outside.
Wear a face mask.
Stay indoors when conditions are particularly poor.
If driving, turn your engine off when stationary.
Straightforward ways to reduce sugar in your family's diet
- Ban fruit juice and sodas
- Eat a hearty breakfast that contains fats and wholegrains, such as peanut butter on multigrain toast or full-fat plain yoghurt with whole fruit and nuts, to avoid the need for a 10am snack
- Give young children plain yoghurt with whole fruits mashed into it
- Reduce the number of cakes, biscuits and sweets. Reserve them for a treat
- Don’t eat dessert every day
- Make your own smoothies. Always use the whole fruit to maintain the benefit of its fibre content and don’t add any sweeteners
- Always go for natural whole foods over processed, packaged foods. Ask yourself would your grandmother have eaten it?
- Read food labels if you really do feel the need to buy processed food
- Eat everything in moderation
THE SPECS
Engine: 2.0-litre 4-cylinder turbo
Power: 275hp at 6,600rpm
Torque: 353Nm from 1,450-4,700rpm
Transmission: 8-speed dual-clutch auto
Top speed: 250kph
Fuel consumption: 6.8L/100km
On sale: Now
Price: Dh146,999
Company%20Profile
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UAE currency: the story behind the money in your pockets
Moon Music
Artist: Coldplay
Label: Parlophone/Atlantic
Number of tracks: 10
Rating: 3/5
THE BIO
Favourite holiday destination: Whenever I have any free time I always go back to see my family in Caltra, Galway, it’s the only place I can properly relax.
Favourite film: The Way, starring Martin Sheen. It’s about the Camino de Santiago walk from France to Spain.
Personal motto: If something’s meant for you it won’t pass you by.
Will the pound fall to parity with the dollar?
The idea of pound parity now seems less far-fetched as the risk grows that Britain may split away from the European Union without a deal.
Rupert Harrison, a fund manager at BlackRock, sees the risk of it falling to trade level with the dollar on a no-deal Brexit. The view echoes Morgan Stanley’s recent forecast that the currency can plunge toward $1 (Dh3.67) on such an outcome. That isn’t the majority view yet – a Bloomberg survey this month estimated the pound will slide to $1.10 should the UK exit the bloc without an agreement.
New Prime Minister Boris Johnson has repeatedly said that Britain will leave the EU on the October 31 deadline with or without an agreement, fuelling concern the nation is headed for a disorderly departure and fanning pessimism toward the pound. Sterling has fallen more than 7 per cent in the past three months, the worst performance among major developed-market currencies.
“The pound is at a much lower level now but I still think a no-deal exit would lead to significant volatility and we could be testing parity on a really bad outcome,” said Mr Harrison, who manages more than $10 billion in assets at BlackRock. “We will see this game of chicken continue through August and that’s likely negative for sterling,” he said about the deadlocked Brexit talks.
The pound fell 0.8 per cent to $1.2033 on Friday, its weakest closing level since the 1980s, after a report on the second quarter showed the UK economy shrank for the first time in six years. The data means it is likely the Bank of England will cut interest rates, according to Mizuho Bank.
The BOE said in November that the currency could fall even below $1 in an analysis on possible worst-case Brexit scenarios. Options-based calculations showed around a 6.4 per cent chance of pound-dollar parity in the next one year, markedly higher than 0.2 per cent in early March when prospects of a no-deal outcome were seemingly off the table.
Bloomberg
Innotech Profile
Date started: 2013
Founder/CEO: Othman Al Mandhari
Based: Muscat, Oman
Sector: Additive manufacturing, 3D printing technologies
Size: 15 full-time employees
Stage: Seed stage and seeking Series A round of financing
Investors: Oman Technology Fund from 2017 to 2019, exited through an agreement with a new investor to secure new funding that it under negotiation right now.
Company%20Profile
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Duterte Harry: Fire and Fury in the Philippines
Jonathan Miller, Scribe Publications
COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
Four-day collections of TOH
Day Indian Rs (Dh)
Thursday 500.75 million (25.23m)
Friday 280.25m (14.12m)
Saturday 220.75m (11.21m)
Sunday 170.25m (8.58m)
Total 1.19bn (59.15m)
(Figures in millions, approximate)
COMPANY PROFILE
● Company: Bidzi
● Started: 2024
● Founders: Akshay Dosaj and Asif Rashid
● Based: Dubai, UAE
● Industry: M&A
● Funding size: Bootstrapped
● No of employees: Nine
The National Archives, Abu Dhabi
Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.
Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en
Company profile
Name: Back to Games and Boardgame Space
Started: Back to Games (2015); Boardgame Space (Mark Azzam became co-founder in 2017)
Founder: Back to Games (Mr Azzam); Boardgame Space (Mr Azzam and Feras Al Bastaki)
Based: Dubai and Abu Dhabi
Industry: Back to Games (retail); Boardgame Space (wholesale and distribution)
Funding: Back to Games: self-funded by Mr Azzam with Dh1.3 million; Mr Azzam invested Dh250,000 in Boardgame Space
Growth: Back to Games: from 300 products in 2015 to 7,000 in 2019; Boardgame Space: from 34 games in 2017 to 3,500 in 2019
Company profile
Date started: 2015
Founder: John Tsioris and Ioanna Angelidaki
Based: Dubai
Sector: Online grocery delivery
Staff: 200
Funding: Undisclosed, but investors include the Jabbar Internet Group and Venture Friends
The specs
Engine: 1.5-litre turbo
Power: 181hp
Torque: 230Nm
Transmission: 6-speed automatic
Starting price: Dh79,000
On sale: Now
JUDAS AND THE BLACK MESSIAH
Directed by: Shaka King
Starring: Daniel Kaluuya, Lakeith Stanfield, Jesse Plemons
Four stars
Joker: Folie a Deux
Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson
Director: Todd Phillips
Rating: 2/5
