Create Financial Joy
READER CASE STUDIES: What Should I Do With My Savings? Welcome to the 3rd Reader Case Studies on The Humble Penny. The goal of these case studies is to solve real problems. If you’re new this, the case studies are a way for me to better interact with the subscribers of this blog. I refer… Read more
Why Saving Money Should Be Prioritised Over Investing Think of saving money as the fight that you must win. Like going to battle and fighting at the front lines. One of my favourite films of all time is Gladiator (with Russell Crowe aka Maximus). Not only is it beautifully made, but it is also hugely… Read more
How We Live Well On A £50 A Week Food Budget (Family of 4) The food budget is one area that most people find difficult to challenge for savings. Whilst chatting with a friend, she mentioned to me that her food budget is £200/week. I nearly fell off my seat because we live on a… Read more
10 Reasons Why People Spend More Than They Earn One reason why millions of people have no margin in their lives is that they spend more than they earn. You’d think it’s quite easy and common sense to spend within one’s means. However, the forces at play are often greater than might seem obvious to… Read more
Are You Stopping Yourself From Saving Money? Here is a radical idea – Money made should not equal money spent. It is possible to actually make money without spending any of it at all. Somewhere between this extreme and where you’re now is where you need to be. However, what’s stopping this from happening? The… Read more
How To Budget And Save On A Low Income The last time I wrote about my philosophy on saving money, a couple of people replied and asked how they could make enough to save in the first place. This has led me to consider how one can budget and save on a low income. I… Read more
My Philosophy On Saving Money There are moments in life, which when you think about them, stand out as key moments that have shaped your life. One of such moments was back in 2008 when I was so broke even though I was upcoming in my career. I recall once coming out of our family… Read more
There are many ways to save money each day. Some less obvious than others. Further to the popular 85 Ways To Make Extra Money, this post explores the variety of unique ways to save money monthly. Everyone saves money in some way. Some regularly and others less so. The thing I have found extremely useful… Read more
I have been really excited about writing this post as I reflect much about what my 20s was about and how it could have been better financially. The 20s really are the golden years. If you were fortunate to have met the right people and began to design your life from then, you’d be miles… Read more
How Much Money You Should Have Saved by Age Ever considered how much you should have saved by age? I recently gathered thoughts from friends in The Humble Penny community and asked what advice they would give their 20-year-old self. The one overwhelming piece of advice was that people would have saved more money earlier! A… Read more
