Create Financial Joy
15 Top Tips To Master Your Money In 2019 – Ad As the New year kicks off, many will have money resolutions. “Save more money”, “Stop borrowing”, “Get out of debt” etc. These tend to disappear after a few days and weeks as resolutions aren’t enough to encourage change. Change usually requires goals backed with… Read more
How To Create A Christmas Budget And Avoid Being Broke In January – Ad The Christmas holiday is a great time to relax, enjoy and catch-up with friends and family. It is also a time when the culture of today dictates that people spend money and lots of it! One thing that doesn’t help with… Read more
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
