Our services

Financial guidance tailored to Ghanaian household realities

Horizonlumen designs engagements that help families translate data into steady routines. Each service emphasises clarity, consent, and sustainable practice.

Scene portraying a financial advisor and parents reviewing school expense plans together while referencing printed worksheets and a shared smartphone to ensure aligned decisions for children.

Core household services

Household cash flow mapping

We document income sources, timing, and commitments across the household to reveal gaps, overlaps, and opportunities. The result is a shared calendar and data sheet for monthly reviews.

Goal-aligned spending plans

Using price data and spending diaries, we structure practical weekly and monthly plans that balance essentials, obligations, and ambition without over-promising returns.

Savings circle strengthening

For susu groups and rotating savings clubs, we design contribution trackers, communication guidelines, and fair rotation policies that reinforce trust.

Digital finance readiness checks

We assess wallet settings, transaction history, and literacy needs to help families adopt digital tools responsibly, including security practices and fee awareness.

Diagram showing colored cards arranged on a table to visualize risk assessment, savings triggers, and service milestones for Ghanaian households building resilient financial habits.

Engagement cycle

Orientation

We confirm goals, document permissions, and align on expectations in line with Ghanaian privacy mandates.

Diagnostics

Household budgets, income logs, and obligations are reviewed to establish a clear baseline.

Co-creation

Templates and action plans are built with the household, ensuring language and format suit everyone.

Review and adjust

Monthly or quarterly touchpoints surface lessons and necessary adjustments without pressure.

Tools and data we work with

  • Price trackers from Ghana Statistical Service and market surveys.
  • Digital wallet statements and SMS transaction records (shared with consent).
  • Paper ledgers from micro-businesses and savings circles.
  • Seasonal income projections for agriculture, fisheries, and trade.
  • Household interviews that contextualise numbers with lived experiences.

Every data point is processed with confidentiality and in compliance with Ghanaian regulations.

Risk awareness and boundaries

We do not sell financial products or guarantee outcomes. Instead, we focus on education, structured routines, and connecting households to trusted institutions when specialised services are required.

Transparent scope

Our advice covers planning, organisation, and monitoring. Investment, legal, or tax decisions remain the responsibility of the household and their accredited professionals.

Data humility

We store only the information needed for the engagement and delete records when they are no longer required.

Continuous learning

We update our methods with input from clients, regulators, and partners to stay relevant and responsible.