Create Financial Joy
How To Pay Off Your Mortgage Early and Why If you have decided to pay off your mortgage earlier, congratulations! There will always be an ongoing debate about whether it makes sense to pay it off earlier or invest your money instead. The majority of personal finance bloggers will tell you that investing your money… Read more
PERSPECTIVES: Do You Need More Mental Bandwidth? We are continuing the series called PERSPECTIVES with a focus is on gathering real-life thoughts on the realities of money. This series is aimed at offering deep insight whilst also inspiring and encouraging our readers to get better with money. Sara Williams from the popular Debt Camel contributes to this… Read more
Reader Case Study – Pay Off Large Debts or Invest? Welcome to the first ever Reader Case Study on The Humble Penny. I am super excited about this because the goal of these case studies is to solve real problems. If you’re new to this, the case studies are a way for me to better… Read more
7 Essential Habits For A Successful Debt Free Journey What does it take to become debt free? If you’ve been following this blog, you’ll know that I have a deep hate dislike for personal debt. I have seen happy homes torn apart by personal debt and even more, people become deeply unhappy and trapped by… Read more
Why setting goals is important for debt freedom Should being in debt become a part of living life as standard? One of the benefits of being born in another country that hasn’t been propped up by debt is that debt-living isn’t a part of the culture there. However, living in the UK (or US, Canada… Read more
Today we’re back with a Debt Free (mortgage) story as we continue our series on interviewing The Fearless Generation. This is our first interview from the US, and I am particularly excited about it because our guest, Rob, has done life pretty unusually from very early on. This is counter to what you’d expect from someone… Read more
Becoming debt free should be an active goal for everyone, rather than a passive acknowledgment that one day it will happen. We have a growing culture of consumer debt in the west, with more and more young people seeing debt as the norm. Especially if they have grown up seeing their parents entrapped by debt…. Read more
How real is money in your world today? As a dad with young children, I am finding my children’s interaction with money very revealing. Our children play a game of identifying various car brands whenever we go for a drive. The other day, Elias said to me: “Daddy, I want a real Mercedes. I want… Read more
Debt is one of those things that literally affects everyone. And I mean everyone because your debt choices will also affect your children. The thing to note though is that it affects everyone in different ways and is used by different people in different ways. Some use debt to survive, whilst some use it to… Read more
Understanding your financial net worth is one of the most important things that you’ll need to do as you work towards your Financial Independence. This concept is important not just in your personal life but also in the life of your business if you run one. It is easy to think that you have it… Read more
