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Donating blood is a simple yet powerful way to help save lives. Here’s your opportunity to make a real impact!

The National Helmet Wearing Coalition (NHWC), in collaboration with the JN Foundation, will be hosting a blood drive at the Cornwall Regional Hospital in Montego Bay on Saturday, April 12, 2025. Join us in making a difference!

Motorcycle-related crashes account for some 30 per cent of all road fatalities, placing immense pressure on the healthcare system, which is already experiencing a low supply of blood. According to data from the National Blood Transfusion Service (NBTS), to function efficiently the NBTS requires 60,000 units of blood annually but collects only half of that amount each year.

Can’t make it to Montego Bay? You may also consider visiting any of the NBTS collection centres across the country.

Here are five compelling reasons to roll up your sleeve and donate:

1. You Can Save Lives

A single blood donation can save up to three lives. Blood is essential for accident victims, patients undergoing surgery, those battling cancer, and individuals with conditions like sickle cell anaemia. By donating blood, you provide a critical resource that hospitals and medical facilities need to treat patients effectively.

2. You Never Know When You or a Loved One Might Need it

Emergencies are unpredictable, and anyone can find themselves in need of a blood transfusion at some point. By donating blood regularly, you help maintain a stable blood supply, ensuring that it is available when needed for yourself, your family, or a friend.

3. It is a Quick and Simple Process

Donating blood typically takes about an hour, including registration, a brief health screening, and the donation itself. The actual blood draw lasts approximately 10 minutes. This short commitment can have a lasting impact on your or someone’s life.

4. It’s Healthy!

Donating blood offers health benefits to you, the donor. Regular blood donation (every three months) can help reduce harmful iron levels in the body, lowering the risk of heart disease. Additionally, you will receive a mini health check-up, which includes monitoring blood pressure, pulse, and haemoglobin levels which can help you stay informed about your overall health.

5. Blood Can’t be Manufactured

Despite medical advancements, there is no synthetic substitute for human blood. It must come from healthy donors who are willing to give. This makes every donation critical to ensuring that hospitals have a sufficient supply for those in need.

Giving blood is a small act with a significant impact. It’s safe and deeply rewarding. If you are eligible to donate, consider making it a habit. Your generosity could mean the difference between life and death for someone in need. Schedule your donation today and become a lifesaver!

Photo Caption: Martin Gooden, a dedicated volunteer addresses members of the JN Circle.

Martin Gooden, a dedicated volunteer with more than 45 years of service to the Jamaica Red Cross, highlighted the transformative power of volunteerism during a recent JN Circle event at the ROK Hotel in Kingston.

Speaking under the theme “The Gift of Community: Reflecting on a Year of Success,” he urged attendees to embrace the values of compassion, resilience, and lifelong learning to create positive change in their communities.

“By embodying compassion, resilience, and a commitment to lifelong learning, volunteers can transform lives and strengthen communities,” Mr Gooden affirmed.

In his address, Mr Gooden outlined the core traits of exceptional volunteers, emphasising empathy, adaptability, effective communication, integrity, and teamwork.

“At the heart of exceptional volunteering lies profound empathy,” he said. “Remarkable volunteers connect deeply with the causes they serve, extending kindness and understanding to create meaningful, lasting change.”

Flexibility, he added, is essential for overcoming challenges. “Volunteering often demands adaptability. Embrace the unexpected, adjust to changing circumstances, and maintain a steady focus on the goal,” he advised.

Mr Gooden, a consultant at JN Money Services Limited, inspired the gathering of JN Circle chapters by reminding them that their efforts do not only transform communities, but also empower personal growth.

“By embracing the qualities of exceptional volunteers, we can truly change the world, one act of service at a time,” he said.

In addition to his motivational charge, Mr Gooden commended the JN Circle network for its impressive contributions in 2024. The group, supported by the JN Foundation, received approval for 13 community projects through 10 chapters across Jamaica. Each project was funded with grants of up to $1.5 million.

Omar Wright, Lead for Environment and Community Development at the JN Foundation, applauded the JN Circle chapters across the country and overseas for their dedication.

“Your impactful projects, such as furnishing the Port Antonio Women’s Centre, installing a solar system at the Candle in Dark shelter, and the equipping of a computer lab and upgrading of a playground by JN Circle Morant Bay for the St Thomas Parish Library and Chapel Hill Basic School respectively, exemplify the power of collective action in transforming communities” he stated.

Meanwhile, other projects included the upgrading of play areas for basic schools by the JN Circle Westmoreland, Santa Cruz and Gayle, Ocho Rios and St Mary, a rainwater harvesting system and Ferncourt High School and introducing a reading programme in Alligator Pond,

Shana-Lee Coley Smith, a representative of the St Thomas Parish Library, highlighted the significant impact the refurbishment of the computer lab has had on the institution.

“Since the donation, the computer lab is constantly filled with library users completing assignments, browsing social networking sites, and accessing job resources. Most importantly, we restarted the basic computer training session for seniors, with 11 participants beginning training in November 2024,” she shared.

The JN Circle is a global network of JN members and customers who leverage the JN Group’s resources to serve as advocates and community change agents. With 17 chapters spanning all 14 parishes and active groups in Toronto, Canada, and London, England, the JN Circle continues to make meaningful contributions to community development.

Photo Caption: Claudine Allen (left), General Manager of the JN Foundation, helps a student of Chapel Hill Basic School enjoy the seesaw, as Norman Hinds, President of the JN Circle Morant Bay chapter, and Nina Peters, Business Relationship and Sales Manager at JN Bank, look on with smiles.

Several studies have emphasised that play is an essential part of a child’s cognitive, social, and physical development. In recognition of this important aspect of childhood development and its commitment to early childhood education, the JN Foundation, through the JN Circle Morant Bay chapter, recently established the first-ever playground at Chapel Hill Basic School in its 60 years of existence.

Chapel Hill Basic School has nurtured some prominent Jamaicans over its 60-year history, including 2020 Olympic Gold medallist over the 110-metre hurdles, Hansle Parchment.

Principal, Nadine Richards-Gowie, expressed gratitude for the donation, highlighting the impact on students’ learning experiences.

 “The children now have a secure area to play and [the] play equipment will enhance coordination and the development of muscles,” she noted. The school currently accommodates 42 students and is staffed by three teachers.

Norman Hinds, president of the JN Circle Morant Bay chapter, underscored the necessity of the initiative.

“We selected this project because we saw the need for the children to have a play area to engage in more activities that contribute to their development,” he said.

The playground features a variety of equipment, including swings, a slide, and monkey bars, all designed to support the physical and cognitive growth of the students. Hinds noted that the project has been met with enthusiasm from both the school and the community.

“My members are elated and happy to have [undertaken] the project for this school. Now that it has become a reality, we are feeling joyful, happy, and glad,” he added.

Mr Hinds also highlighted the school’s importance to the local community and reiterated the value of the initiative.

“We are proud to contribute to the children’s growth and development, ensuring they have access to facilities that enrich their learning experience.”

General Manager of the JN Foundation, Claudine Allen, also welcomed the opportunity to enrich the lives of the children.

“It is indeed a pleasure to share in an important part of the experience of every child who learns at Chapel Hill Basic School,” she remarked. “Play is an essential part of children’s growth, aiding in the development of motor skills, cooperation, and cognitive abilities. Having safe facilities for children to play in is critical in every early childhood education institution.”

Ms Allen also acknowledged the role of the church in supporting education in Jamaica, commending its longstanding commitment to nurturing young minds.

She also expressed hope that as the government continues to implement standards for safe play areas, more schools will benefit from similar facilities.

“Chapel Hill Basic School is now ahead of many other institutions, and we dream with you that one day, what you have will become the standard nationwide,” Miss Allen said. She noted that Global Schools Play Day is recognised annually in February, with February the 5th celebrated by UNICEF and Ministry of Education, Youth, and Information as Play Day JA.

Mrs Richards-Gowie is confident that the new play area will positively impact the school by attracting more interest from parents and ensuring students develop essential motor skills and socialization skills.

“Playing is an important part of children’s lives, and with this development, parents can be assured that their children are receiving holistic growth,” she said.

Photo Caption: Sydoney Preddie (second right), Lead for Youth and Education Programmes at the JN Foundation presents a gift to Jaison McIntosh (centre) after making a courtesy call on the JN Foundation team. Sharing in the moment are his parents, Garnet (right) and Patrice Neil-McIntosh and his brother, Justin (left).

Seventeen-year-old Jaison McIntosh, a recent graduate of Westlake High School in Thornwood, New York, and a second-generation Jamaican by birth, is overjoyed after recently winning the Union of Jamaican Alumni Associations (UJAA) High School Graduate Awards and Essay Competition.

Organised by UJAA, the competition celebrates Jamaican heritage and is open to US high school seniors of Jamaican descent. Now in its 35th year, the competition aims to inspire students to share their perspectives and personal experiences with different cultures. The prize, a trip to Jamaica, offers winners an opportunity to deepen their connection to Jamaican life and culture.

Jaison, who is now attending the State University of New York at Albany and majoring in accounting with an interest in finance, credited his mother for encouraging him to enter the competition.

“My mom brought up the idea, and at first, I was hesitant because I didn’t really want to write an essay. But she kept advocating, saying it was a great opportunity, and I should take advantage of it,” he shared.

His efforts paid off when he was announced as one of the top prize winners, earning two tickets to Jamaica.

“My heart was beating as they read the names. I thought maybe I didn’t win anything. Then, they got to the two tickets to Jamaica, and I heard my name. It was so exciting—we were all screaming, and my mike was still on, so they could hear everything!” he recalled.

While in Jamaica, Jaison made a courtesy visit to the JN Foundation team, who congratulated him on his achievement. The JN Foundation, which focuses on youth, education, and the Diaspora, has supported UJAA for many years, providing winners with opportunities to engage with Jamaican professionals and gain exposure to the country’s business sector.

Chevanese Peters, Project Coordinator at the JN Foundation, encouraged Jaison to keep his options open as he pursues his interests in music and finance.

“You can focus on one or all; you have the benefit of youth. But set your foundation right, as that provides security and the freedom to make choices later,” she advised.

Sydoney Preddie, Lead for Youth and Education Programmes at the JN Foundation, also offered Jaison advice, emphasising patience.

“By your final year of study, you gain greater clarity as you prepare to enter your professional field, as you’ll be more mature and better equipped to make decisions about your career path,” she said.

For Jaison, returning to Jamaica was a fantastic experience. His parents, Garnet and Patrice Neil-McIntosh, both Jamaicans, were equally proud of their son.

During the meeting, Jason passionately expressed his deep love for Jamaica, recounting his experiences both in Jamaica and abroad as a proud Jamaican descendant. His reflections painted a vivid picture of his connection to his heritage, highlighting the cultural influences such as Reggae music that have shaped his journey. He also shared that he was documenting his visit with his camera.

Jaison’s accomplishments extend beyond the essay competition. At Westlake High School, he excelled academically, taking courses in statistics, pre-calculus, biology, U.S. history, government, and macroeconomics. He was a member of the National Honor Society and the Spanish Honor Society, and his extracurricular activities included the Spanish Club, Stage Crew, Jazz Band, Math Club, and participation on the Lacrosse and Football teams.

Reflecting on his heritage, Jaison encouraged other Jamaican students to participate in the competition.

“Just write about your experiences, what you grew up with, and your culture. Be yourself and write about yourself,” he advised.

The UJAA, a non-profit umbrella organisation representing more than 60 alumni associations of Jamaican schools and other educational institutions, continues to foster connections among students of Jamaican heritage through initiatives like this competition.

Photo Caption: Jennifer Martin, JN Foundation board member presents Xiomara Gordon, the 2024 JN Foundation PEP Scholar for Kingston, with her certificate during the JN Foundation scholarship award ceremony at the Jamaica Pegasus Hotel in New Kingston recently.

Despite women remaining underrepresented in careers in science, technology, engineering, and mathematics (STEM), and engineering specifically where they occupy less than 20 per cent of engineering-related positions worldwide (according to the Society of Women Engineers), Xiomara Gordon, the 2024 JN Foundation Primary Exit Profile (PEP) scholarship recipient for Kingston, is determined to make her mark in the field.

Inspired by her love of problem-solving and innate curiosity sparked by online videos, Xiomara believes a career in engineering is the perfect match for her talents. It has been an area of interest for the Vaz Preparatory alumna since age six. She is now a first former at Campion College in St Andrew.

“I’ve been watching videos about engineering, and it looks like such an exciting and creative field. I love figuring out how things work too, so I feel like this career would be a perfect fit for me,” she said.

Although she has not yet decided on a specific engineering discipline, she is already charting a path forward, with plans to pursue her studies in Germany. She began laying the groundwork for her engineering journey as early as 2021, when she purchased the book, The 50 Greatest Engineers by Paul Virr and William Potter.

Looking ahead, she plans to join her new school’s engineering club and continue excelling academically, ensuring she meets the requirements for admission into top engineering programmes.

Xiomara has already built an impressive academic record. After sitting her PEP exams at Vaz Prep earlier this year, she received awards for Most Outstanding Performance in Mathematics and Language Arts and awards for Outstanding Performance in Science and Ability.

Campion College was her dream school and in addition to passing for the institution of her first choice, her PEP grades earned her one of the five-year JN Foundation scholarships, for which she simply said she is grateful to receive. She was among 37 scholarship recipients recognised for their PEP achievements at the JN Foundation PEP Scholarship awards reception held at the Jamaica Pegasus Hotel in New Kingston recently.

“The PEP exams were ok, they weren’t hard,” she said adding that, “I really wanted a scholarship and I’m thankful that I got the JN scholarship.”

Besides her interest in engineering, Xiomara likes tennis. She is also an active member of the Crochet and Key Clubs at Campion.

Her mother, Kerrian Johnson, who works in property management and administration, said she is proud of her daughter’s work ethic, independent nature and drive for success.

“She has high standards, and her teachers will tell you, if she gets 98 per cent she cries. Xio has always been a focused child and continues to be that way throughout school. I am her biggest cheerleader and supporter,” she said.

Describing her daughter as creative and bubbly, especially around family, Ms Johnson shared how she enjoys watching Xiomara explain complex concepts and break down difficult principles for her peers. She added that her daughter also has a passion for building with Legos.

With a background in marketing and public relations, Ms Johnson said she fully supports her daughter’s ambitions and is excited to see her make waves and break barriers in STEM.

“I want Xio to know that she can go and be anything she wants to be, whether it’s in Germany or anywhere else. When she was little, she always said she wouldn’t leave me, but I tell her all the time to go and explore the world, understanding that wherever I am is home,” Ms Johnson noted as she expressed gratitude to the JN Foundation for providing Xiomara with a scholarship.

“I was happy to get the news, and I really wanted this. It will certainly assist with her educational expenses,” Ms Johnson said.

Photo Caption: Chevanese Peters (left), project coordinator at the JN Foundation presents diapers, food supplies and milk-based products to Monsignor Gregory Ramkissoon, founder of Mustard Seed Communities. Sharing in the moment is Omar Wright, lead, environment, and community development programmes at the JN Foundation. The presentation took place on Thursday, December 19 at My Father’s House on Mahoe Drive in Kingston. The JN Group through the JN Foundation made the presentation under its ‘Comfort for Christmas’ initiative, which is supported by members of staff at The Jamaica National Group. The initiative is in its third year.

Support for the Mustard Seed Communities has been bolstered with a generous donation from the JN Foundation, the philanthropic arm of The Jamaica National Group, to help address the increasing needs of the approximately 500 residents across Jamaica in its care.

The donation, which included nearly 4,000 diapers, canned foods, and milk products, comes at a critical time as the organisation expands its care to include 58 Haitian children. The donation was made by members of staff of The JN Group.

Father Garvin Augustine, executive director of Mustard Seed Communities International, expressed gratitude for the support, noting the significant impact such contributions have on the lives of the children and the organisation’s ability to provide for their diverse needs.

“Every little thing makes a difference,” he said at the official handover of the items recently at the Mustard Seed Communities’ Mahoe Drive location in St Andrew. “This donation allows us to bring dignity and joy to the children we care for, many of whom have special needs,” he added.

The JN Foundation’s initiative, ‘Comfort for Christmas’, now in its third consecutive year, focuses on providing much-needed supplies to support the day-to-day operations of Mustard Seed’s apostolates in St James, St Ann, Kingston, St Andrew, St Catherine, and Manchester. This year’s contribution included items essential for the care of children who rely on feeding tubes and specialised dietary products.

Candice Nichols, social impact assessment officer at the JN Foundation, highlighted the growing demand for food and basic supplies following the Mustard Seed’s acceptance of Haitian children in need of care at the Jacob’s Ladder apostolate in St Ann earlier this year.

“We acknowledged the increased need and made an effort to include canned food this year alongside our regular donations of diapers and milk products,” Ms Nichols said.

She disclosed that the JN Foundation’s continued support of Mustard Seed Communities extends beyond the holiday season, with past contributions including emergency aid after Hurricane Beryl. Nichols is urging others to contribute, emphasising that even small donations can make a meaningful impact.

“Sometimes people hesitate to give because they think their contribution isn’t enough,” she explained. “But whether it’s one pack of diapers or $1,000 Jamaican dollars, every effort adds up to help us meet the needs of these children.”

Ms Nichols further stated that with the latest donation, the JN Group through the JN Foundation has reaffirmed its commitment to partnering with Mustard Seed Communities in their shared mission to improve the lives of Jamaica’s most vulnerable citizens.

Mustard Seed Communities care for children with disabilities, abandoned children, and marginalised groups, requiring continuous support. They provide shelter, food, medical supplies, therapeutic interventions, and basic household items. Father Garvin Augustine emphasised that donations of any kind, whether financial or in-kind, help sustain the mission and ensure the children’s wellbeing.

In the early years of prep school, Kiarrah Wisdom was could not read. The situation was so dire that her mother, Nekeshia Gray, became concerned that something might have been wrong.

However, through hard work and determination, Kiarrah overcame that obstacle and as a reward for her growth, became the JN Foundation Scholarship recipient for the parish of St James after she achieved a score of 387.4 in the Primary Exit Profile (PEP) Exam, which was enough to place her at her first choice, Montego Bay High School.

“Kiarrah’s story is very inspiring,” said Miss Gray. “Up to Grade Two she was unable to read. I remember one Saturday I was with her at piano class and I gave her a book which was outside of the regular scope of books and she was unable to break down the words.”

She added, I became concerned and I asked myself ‘what is this?’ I pulled her from piano lessons, while her sister continued. “I took her to Fontana Pharmacy and asked her to choose a book that she liked to get her to start reading. She chose a book that she wanted to read and for two terms, every Saturday, that’s what we did, sat under a tree in Mr. Gilzene’s yard and read.”

Both Kiarrah and her mother are so appreciative of the book that they have refused to part with it.

“We still have the book, The Day the Crayons Quit by Drew Daywalt because it is one of those that we haven’t given away,” Miss Gray revealed.

For Kiarrah, overcoming that hurdle meant that she could excel in her academics at school. Her efforts were rewarded when she was named as the JN Foundation PEP Scholar for St. James.  The JN Foundation Scholarship is awarded to students who excel in external exams at the primary level for the past 40 years.

This year, the JN Foundation awarded a total of 47 scholarships. Of the amount, 37 were five-year awards: 14 parish scholarships; three JN Bank Easi-Save County scholarships; and 20 children of JN Group staff members who received the Building Excellence and Achieving More Success (BEAMS) scholarships. The remaining 10 awards were one-time grants presented by JN Money Services Limited to high-performing students who did not receive full scholarships.

“I have been working hard since grade three and put in a lot of effort to do well because I wanted to go to my first choice, Montego Bay High School,” she said. “I wanted to get a scholarship and believed that I could get one.”

The 12-year-old who said mathematics was her favourite subject hopes to become an accountant said although she was confident that she could achieve a scholarship, she was still nervous about the possibility of not doing as well as she wanted.

“I was a little nervous while studying because I kept asking myself ‘what if I don’t get to go to the school or my first choice or make my family proud?’ I decided to study hard and put my trust in God that I would do well,” she added.

Miss Gray is extremely proud of her daughter’s achievements and credits the success to Kiarrah’s dedication.

“Her memory is super good. However, before PEP she put in a lot of effort. She was always up before 5 ‘o’ clock studying and then got ready for school before I even got up. She was very determined,” explained Miss Gray.

“We are very happy because she really wanted to go to her first choice, Montego Bay High School because her older sister attends the institution and is in fourth form and she was adamant that she wanted to be with her older sister,” the mother added.

Miss Gray describes Kiarrah, who is the second of three daughters, has being very exuberant.

“Kiarrah is smack in the middle of my three children, but she doesn’t behave as a middle child. She is very rambunctious. You have to remember her whenever you interact with her. She doesn’t allow anyone to overshadow her and she is always determined to make her mark wherever she goes,” she said.

  As she immerses herself to the challenge of high school, Kiarrah is determined to follow the footsteps of her mother by choosing a similar path.

“I love numbers that’s why mathematics is my favourite subject. I love it because I hope to become an accountant,” she said.

Miss Gray added, “She likes my job because I am a Chartered Accountant and this is the reason she wants to follow my footsteps.”

Photo Caption: Jazmine Stewart, 2024 JN Foundation PEP Scholarship recipient for St Mary strikes a pose at her graduation alongside her academic awards from Retreat Primary School. She is accompanied by aunt, Nadine Benain (centre) and mother, Diandra Thompson-Stewart (right).

From age nine, Jazmine Stewart, former deputy head girl of Retreat Primary School and JN  Foundation PEP Scholar for St Mary, knew that she wanted to go to York Castle High School in Browns Town, St Ann.

“I planned out my school choices before I was even in grade five,” the now 13-year-old scholar said.

She worked diligently to achieve, what was at that time, her most important goal. From completing past papers to attending morning and evening classes, she did all she could with her objective in mind. “Just the fact that I could have a chance at going to York Castle kept me motivated to study. It’s kind of a big deal,” she continued.

As the youngest of 3 siblings, she benefited from the encouragement and guidance of her parents, Tristan Stewart and Diandra Thompson Stewart, who were proud to know their daughter was an exceptional student from a young age. “I knew she would get her first choice [York Castle High School], she’s been keeping her grades up since, well…, kindergarten so I wasn’t surprised,” Mrs Thompson Stewart said.

Having consistently placed at the top of her class, Jazmine’s hard work and dedication culminated in an impressive score of 365.3 out of the maximum 400 on her PEP exams. On graduation day, her efforts were recognised as she took home several academic awards, including the coveted title of ‘Top Girl’. This did not shock Mrs Thompson Stewart, “PEP is a lot, but the fact that she had a stronghold on it mentally helped. She was always like, ‘Mommy, I got this.’”

Together, the mother-daughter duo applied for scholarships to ensure the academic reign continued into her secondary school journey. But despite her planning, one thing Jazmine could not prepare for was a surprise call from her mother during lunch.

Overjoyed, Mrs Thompson Stewart couldn’t help but share the good news: Jazmine had been awarded a five -year scholarship from JN Foundation.

“I was so excited, I couldn’t help it,” Mrs Thompson Stewart explained.

“I didn’t believe her,” Jazmine continued, “She called me in the lunch line and texted me: ‘If I’m lying, I’m dying.’”

For 41 years, the JN Foundation Scholarship Programme has rewarded students like Jazmine, whose dreams of academic excellence mirror the Foundation’s goal to support youth development. This year, 37 scholarships and 10 grants have been awarded to exceptional students from across the island to help them achieve their educational and personal development goals.

“She’s one of those students that you expect to do exceptionally well. To watch Jazmine win something is a sight and I’m excited to see what she does with this scholarship,” said her Grade 6 Mathematics teacher, Mrs Tamara Howard-Hemmings.

“You know it’s like a reward for her, because the praise is coming from outside now, not just from us the family or teachers, saying that she’s brilliant. It shows her (Jazmine) that when you put in the hard work people will see it and keep her motivated to do great,” noted her father, Tristan Stewart.

Now, having completed her first term at York Castle, the teen remains excited about all her school has to offer. She continues to enjoy the atmosphere of her favourite class, information technology, and has joined the Homemakers Club and Key Club. The young optimist also hopes to participate in sports once she has settled in.

The transition to high school has not been without its difficulties, as Jazmine juggles school, extracurricular activities, homework, and a long daily commute which sometimes involves her returning home well after dark. Regardless of the challenges her parents remain proud of their daughter’s zeal, “It’s refreshing to see one so young, so committed to her studies,” her dad mused. “Yes, my favourite thing about ‘Jaz’ is her resilience and persistence. I always tell her to do her best and she does,” her mother lauded her.

From a dream at nine-years-old to walking the halls of York Castle High School with pride, the JN Foundation PEP Scholarship has encouraged Jazmine to continue paving the way for her future success as an orthodontist. While Jazmine continues to make her other dreams a reality, she encourages PEP students to, “think about how proud your friends and family will be, of you for going to your first-choice high school.”

Photo Caption: Rose Miller, Financial education consultant at the JN Foundation, and facilitator at the JN Financial Academy.

Jamaicans are being urged to adopt smart financial practices this Christmas to avoid accumulating debt and be in a better position to benefit from an improving economy.

Rose Miller, Financial education consultant at the JN Foundation, and facilitator at the JN Financial Academy, highlights the ongoing challenges of personal debt management in Jamaica, attributing them to poor financial habits.

“Jamaicans know the importance of saving, but this knowledge often doesn’t translate into better spending practices,” Mrs Miller explained.

To help Jamaicans manage their money this festive season to avoid financial strain, Mrs Miller shares five key tips for managing money wisely:

1. Invest Any Extra Income or Clear Existing Debts

Christmas sometimes brings extra income, such as bonuses. Instead of splurging, Mrs Miller advises channelling these funds into investments.

“Consider using the bonus to pay down existing debt,” she suggested. Alternatively, she recommends placing your bonus in a fixed or long-term savings account to earn higher interest, or explore stocks, mutual funds, and other financial instruments offered by regulated institutions.

2. Create and Stick to a Budget

“A specific budget for Christmas spending is essential,” Mrs Miller emphasised. Prioritise needs over wants and allocate funds only for necessary expenses and activities.

For those using credit cards, she warns against overspending:

“Remember, your credit card is a loan with high interest rates. Spend within your means and aim to settle the balance before the due date to avoid interest charges.”  This will also ensure  that you truly enjoy benefits such as cash-back rewards and  no point-of-sale fees.

3. Be Creative with Gift Giving

Gift-giving doesn’t need to break the bank. Mrs Miller suggests tapping into personal creativity to craft unique, meaningful presents.

“Homemade gifts often cost less and hold greater sentimental value than store-bought items,” she noted. Additionally, opting for shared gifts for households can reduce costs and simplify shopping.

4. Share the Cost of Christmas Dinner

Hosting a holiday dinner should not mean shouldering all the expenses. Mrs Miller encourages families to adopt a collaborative approach.

“Ask guests to contribute by bringing their preferred drinks or specific dishes,” she proposed. “This spreads the cost and reduces your financial burden.”

5. Spend and Invest Wisely

Mrs Miller concludes with a reminder that thoughtful financial decisions can lead to a more enjoyable Christmas and a more financially stable New Year.

“By planning and prioritising, you can celebrate the season without the stress of mounting debt,” she said.