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Welcome to The Humble Penny

We achieved Financial independence aged 34 and we want to help you to create Financial Joy

Free 1-Year Programme: Take Control + Grow Your Money

Become 1 of 10,000 People We're Helping to Achieve Financial Independence

Earn £1,000+ Per Month In Passive Income

Learn to Invest In Only 12 Days

Create a Membership Business That Pays You Recurring Income

Visit Our Website, Read Our Blog and Learn More About Us

Our Latest Blog Posts

If You Have £5000 In The Bank DO THESE 5 Things

How to invest £5000 – If You Have £5000 In The Bank Do These 5 Things So you've got £5000 or $5000 in the bank. What exactly should you be […]

Why Your First £100k Is The MAGICAL Number For Reaching £1m

Why Your First £100k Is The Magical Number For Reaching £1m | Charlie Munger I want to explain to you mathematically why saving and investing your first 100k is the […]

How To Break The EMPLOYEE MINDSET and Build Wealth

How to Break Out of the EMPLOYEE MINDSET and Build Wealth The employee mindset is something that we all get trained into as we grow up. Most people wait for […]

Our Latest YouTube Videos

Interest rates UK remained flat to 5.25% in the UK for SEPTEMBER 2023 by the Bank of England. Does this mean that interest rates will start falling? Here is what to do for Mortgages, First Time Buyers, etc. Learn to invest, start a side hustle and grow wealth for Financial Freedom at FJA - https://financialjoyacademy.com DM us on Instagram (https://instagram.com/thehumblepenny) is you have any questions. MORTGAGE CALCULATOR (FREE DOWNLOAD) - https://thehumblepenny.com/MortgageCalculator ★★ SUBSCRIBE TO CHANNEL HERE ★★ https://www.youtube.com/thehumblepenny?sub_confirmation=1 ★★ WHAT TO WATCH NEXT ★★ How We Paid Off Our Mortgage In 7 Years - https://youtu.be/0_aWbccuZiw Should You PAY Off MORTGAGE Early vs INVEST? or BOTH? | UK - https://youtu.be/80b5SFnZgoM 10 Things I Did Differently To Achieve Financial Independence - https://www.youtube.com/watch?v=aONieSpgvrg How To Invest £100/month - https://youtu.be/xYwGXW6c728 HOW TO INVEST £1000 - https://youtu.be/0jRQk8Xkvxg How to INVEST IN STOCKS for DIVIDEND Passive Income - https://youtu.be/fQBcU90ZVKQ ETFs vs INDEX FUNDS | How To Invest Money In Stocks UK - https://youtu.be/dtEPOqfIxRI How To Invest During ANY RECESSION **without worry** (2021) - https://youtu.be/DJihSTlv0EY Pension vs ISA? How To Save Money | How To Invest Money UK - https://youtu.be/BX5ZnFqW3F0 Investing For Children (Make Your Child a Millionaire) - https://youtu.be/isq_2tw6pdQ Investing For Beginners UK (STEP-BY-STEP GUIDE) - https://youtu.be/u4n8f-YL5_I ★★ EQUIPMENT USED ★★ Canon EOS M50 Camera - https://amzn.to/2zcz1K0 Canon 5D Mark II Camera - https://amzn.to/2xRF1XD Canon EF 24 - 70mm F2.8L Lens - https://amzn.to/2lFwdRQ Canon EF 50mm F1.4L Lens - https://amzn.to/2lF6Sr9 Manfrotto Tripod - https://amzn.to/2YC3Sto Apple iMac 2019 - https://amzn.to/2lEXNyz Rode Microphone - https://amzn.to/2lFs0O2 Abeststudio Lights - https://amzn.to/35Wjj3J ★★ ABOUT US ★★ MARY: I'm married to Ken and we have two boys aged 6 and 4. I'm a Londoner, born in Hackney! 🙂 Day to day, I run the operations of The Humble Penny as a creative - doing everything from marketing to video editing. I studied Multi-media design and technology at Uni. When I'm not creating, I love vegan food, travelling, working out, and doing some outdoor fun things with my husband and kids 🙂 KEN: I'm a husband, dad, and a First-Generation Immigrant to the UK. I started life poor in the UK and I've spent the last 20 years on a steep journey of Personal Development. Former CFO with over 12 years of experience in the investment business. I'm also a Chartered Accountant and hold an MBA from Cambridge University. To explore my creativity, I'm a blogger and YouTuber by night. I create from my experiences as a family man and entrepreneur. I have a passion for all things Financial Education, Business, and Personal Development. I also love Photography, Music, Travel, and Sport. We became Financially Independent aged 34 and our story has been featured on the BBC, Mail Online, Channel 5, Metro, etc. We share content to inspire and teach others how to achieve Financial Independence and Freedom too 🙂 ★★ WANNA CONNECT? ★★ Email - YouTube@thehumblepenny.com Blog - https://thehumblepenny.com Insta - https://www.instagram.com/thehumblepenny Pinterest- https://www.pinterest.co.uk/thehumblepenny/ Twitter - https://twitter.com/thehumblepenny Facebook - https://www.facebook.com/thehumblepenny/ ★★ OUR ONLINE SCHOOL ★★ Visit our online school at Financial Joy Academy for Video Courses: https://www.financialjoyacademy.com/ ★★ TIME STAMPS ★★ ★★ About this video ★★ Interest Rates UK Flat at 5.25%: WILL RATES START FALLING? (Bank of England SEPTEMBER 2023 Update Massive thanks for watching and following our channel 🙂 ♥ Best, Mary and Ken Okoroafor NOTE: For FULL Transparency, some links above may be Affiliate Links. We do NOT offer Financial Advice. Your investments can go up as well as down. Past performance does not guarantee future returns. So please do your own research before investing. #interestrate #interestratesuk #inflation
Interest Rates UK Flat at 5.25%: WILL RATES START FALLING? (Bank of England SEPTEMBER 2023 Update)
Managing your money day to day can feel overwhelming. Here are 10 1-minute money habits to take control of your finances each day. Interested in growing your money too? Learn to do so here: https://thehumblepenny.com/takecontrol 5 Breakthrough Passive Income Ideas - https://thehumblepenny.com/passiveincome Gain investing confidence in only 12 days - https://thehumblepenny.com/SSI Pick My Brain With a Power Hour - https://checkout.financialjoyacademy.com/power-hour/ Want Financial Freedom Coaching? - https://checkout.financialjoyacademy.com/financial-freedom Other ways to work with us - https://thehumblepenny.com/coaching ★★ SUBSCRIBE TO OUR CHANNEL HERE ★★ https://www.youtube.com/thehumblepenny?sub_confirmation=1 ★★ POPULAR VIDEOS ★★ I Wish I Knew THIS About INVESTING MONEY When I Was 20 - https://youtu.be/C9c4TCAe1SE 5 Work-From-Home SIDE HUSTLE IDEAS That Make Money £500 p/m [UK 2023 EDITION] - https://youtu.be/rTdLWdPS3LM 9 Reasons Some People ALWAYS MAKE MONEY ONLINE (and others don't) - https://youtu.be/X_FA1nU3dmM 9 BEST Passive Income Ideas for £1000 per month (In 2023) - https://youtu.be/qwn_Gc46ahE 5 Breakthrough Passive Income Ideas - https://youtu.be/FJUKYuo6Oyw 7 Things No One Tells You About Passive Income - https://youtu.be/6Mw0yncGj5Y 21 Passive Income Ideas For A Freedom Lifestyle - https://youtu.be/TIOBlUDtHsc 14 HIGH PAYING SIDE HUSTLES For 2023 To Start Today With Little Money - https://youtu.be/brAvEZCl0ys How To Invest £1000 (9 Best Ways to Invest) - https://www.youtube.com/watch?v=0jRQk8Xkvxg ★★ EQUIPMENT USED ★★ Canon EOS M50 Camera - https://amzn.to/2zcz1K0 Canon 5D Mark II Camera - https://amzn.to/2xRF1XD Canon EF 24 - 70mm F2.8L Lens - https://amzn.to/2lFwdRQ Canon EF 50mm F1.4L Lens - https://amzn.to/2lF6Sr9 Manfrotto Tripod - https://amzn.to/2YC3Sto Apple iMac 2019 - https://amzn.to/2lEXNyz Rode Microphone - https://amzn.to/2lFs0O2 ★★ ABOUT US ★★ MARY: I'm married to Ken and we have two boys aged 8 and 6. I'm a Londoner, born in Hackney! 🙂 Day to day, I run the operations of The Humble Penny as a creative - doing everything from marketing to video editing. I studied Multi-media design and technology at Uni. When I'm not creating, I love vegan food, traveling, working out, and doing some outdoor fun things with my husband and kids 🙂 KEN: I'm a husband to Mary and daddy first and foremost. Former CFO by day with over 12 years of experience in the investment business. I'm a Chartered Accountant and hold an MBA from Cambridge University. To explore my creativity, I'm a blogger, YouTuber, speaker, etc. I create from my experiences as a family man and First Generation Immigrant. I have a passion for all things Personal Finance, Business, and Personal Development. I also love Photography, Music, Travel, and Sport. We became Financially Independent aged 34 and our story has been featured on the BBC, ITV, Financial Times, The Sunday Times, etc. ★★ WANNA CONNECT? ★★ Blog - https://thehumblepenny.com Insta - https://www.instagram.com/thehumblepenny Pinterest- https://www.pinterest.co.uk/thehumblepenny Twitter - https://twitter.com/thehumblepenny Facebook - https://www.facebook.com/thehumblepenny/ ★★ BUILD WEALTH ★★ Visit our online school at Financial Joy Academy for all our wealth building Action Plans: https://www.financialjoyacademy.com/ Massive thanks for watching and following our channel 🙂 ♥ ★★ TIME STAMPS ★★ Best, Ken and Mary #moneyhabits #financialfreedom #financialindependence ★★ WHAT THIS VIDEO IS ABOUT★★ 10 1-Minute Money Habits To Take Control of Your Finances
10 1-Minute Money Habits To Take Control of Your Finances
BUYING A CAR: Should you buy, lease or finance a new car? PCP vs HP vs Lease vs Cash. Which option is cheapest? What about a used car v new car? Today we visit a car dealership and crunch the numbers so you don't have to. 5 Breakthrough Passive Income Ideas - https://thehumblepenny.com/passiveincome Gain investing confidence in only 12 days - https://thehumblepenny.com/SSI Pick My Brain With a Power Hour - https://checkout.financialjoyacademy.com/power-hour/ Want Financial Freedom Coaching? - https://checkout.financialjoyacademy.com/financial-freedom Other ways to work with us - https://thehumblepenny.com/coaching ★★ SUBSCRIBE TO OUR CHANNEL HERE ★★ https://www.youtube.com/thehumblepenny?sub_confirmation=1 ★★ POPULAR VIDEOS ★★ I Wish I Knew THIS About INVESTING MONEY When I Was 20 - https://youtu.be/C9c4TCAe1SE 5 Work-From-Home SIDE HUSTLE IDEAS That Make Money £500 p/m [UK 2023 EDITION] - https://youtu.be/rTdLWdPS3LM 9 Reasons Some People ALWAYS MAKE MONEY ONLINE (and others don't) - https://youtu.be/X_FA1nU3dmM 9 BEST Passive Income Ideas for £1000 per month (In 2023) - https://youtu.be/qwn_Gc46ahE 5 Breakthrough Passive Income Ideas - https://youtu.be/FJUKYuo6Oyw 7 Things No One Tells You About Passive Income - https://youtu.be/6Mw0yncGj5Y 21 Passive Income Ideas For A Freedom Lifestyle - https://youtu.be/TIOBlUDtHsc 14 HIGH PAYING SIDE HUSTLES For 2023 To Start Today With Little Money - https://youtu.be/brAvEZCl0ys How To Invest £1000 (9 Best Ways to Invest) - https://www.youtube.com/watch?v=0jRQk8Xkvxg ★★ EQUIPMENT USED ★★ Canon EOS M50 Camera - https://amzn.to/2zcz1K0 Canon 5D Mark II Camera - https://amzn.to/2xRF1XD Canon EF 24 - 70mm F2.8L Lens - https://amzn.to/2lFwdRQ Canon EF 50mm F1.4L Lens - https://amzn.to/2lF6Sr9 Manfrotto Tripod - https://amzn.to/2YC3Sto Apple iMac 2019 - https://amzn.to/2lEXNyz Rode Microphone - https://amzn.to/2lFs0O2 ★★ ABOUT US ★★ MARY: I'm married to Ken and we have two boys aged 8 and 6. I'm a Londoner, born in Hackney! 🙂 Day to day, I run the operations of The Humble Penny as a creative - doing everything from marketing to video editing. I studied Multi-media design and technology at Uni. When I'm not creating, I love vegan food, traveling, working out, and doing some outdoor fun things with my husband and kids 🙂 KEN: I'm a husband to Mary and daddy first and foremost. Former CFO by day with over 12 years of experience in the investment business. I'm a Chartered Accountant and hold an MBA from Cambridge University. To explore my creativity, I'm a blogger, YouTuber, speaker, etc. I create from my experiences as a family man and First Generation Immigrant. I have a passion for all things Personal Finance, Business, and Personal Development. I also love Photography, Music, Travel, and Sport. We became Financially Independent aged 34 and our story has been featured on the BBC, ITV, Financial Times, The Sunday Times, etc. ★★ WANNA CONNECT? ★★ Blog - https://thehumblepenny.com Insta - https://www.instagram.com/thehumblepenny Pinterest- https://www.pinterest.co.uk/thehumblepenny Twitter - https://twitter.com/thehumblepenny Facebook - https://www.facebook.com/thehumblepenny/ ★★ BUILD WEALTH ★★ Visit our online school at Financial Joy Academy for all our wealth building Action Plans: https://www.financialjoyacademy.com/ Massive thanks for watching and following our channel 🙂 ♥ ★★ TIME STAMPS ★★ 0:00 - Intro 1:00 - Comparing 4 different ways of financing a new car 3:34 - PCP vs HP vs Lease vs Cash. Which is cheapest? 7:00 - Interest rates for buying used vs new car 8:04 - Should you buy a used car or new car? 9:02 - Psychological factors to consider when buying a car 10:20 - Other options for financing a car 10:45 - What financing options do we recommend? 13:11 - Final words Best, Ken and Mary #buyingacar #carfinance #carfinancing ★★ WHAT THIS VIDEO IS ABOUT★★ Should You Buy Cash, Lease or Finance a New Car?
Should You Buy Cash, Lease or Finance a New Car?
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