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KatePenna.com – A blog about budgeting, financial freedom, retirement, money saving, health and wellbeing.

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  • Budgeting

    Why You Need an Emergency Fund: Why it’s Essential and How to Get Started

    02/05/2024

    Welcome friends! In this comprehensive guide, we’ll delve into the importance of building an emergency fund. In today’s unpredictable world, having a financial safety net is more important than ever. An emergency fund serves as a buffer against unexpected expenses and financial hardships. Having one provides peace of mind and…

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  • Budgeting - Investing - Saving Money

    Important Money Wisdom for My 20-Year-Old Daughter

    30/04/2024

    Welcome friends.  I have been thinking a lot about things I wish I’d known about money and finance when I was younger.  My eldest daughter turns 20 in a couple of months (eek!) and I am already so proud of how mature and savvy she is. She rents her own…

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  • Woman walking in nature getting paid to walk
    Make Money Online

    Get Paid to Walk: How to Make Money While you Get Fit!

    18/04/2024

    Hello friends! Are you looking to get fit while earning a little extra cash on the side? Well, you need look no further! I’m here to give you some tips on how to get paid to walk! In today’s digital age, there are numerous apps designed to motivate you to…

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  • Picture shows the word debt on a chalkboard haf erased. Text reads why you need to repay your debt before saving and investing
    Debt - Investing - Saving Money

    Why You Need to Repay your Debt Before Saving and Investing

    11/04/2024

    Hello friends and welcome to today’s post.  In the realm of personal finance, the question of whether to repay your debt or start saving and investing first often arises.  This is a very valid question. We all know how important it is to start investing in order to grow our…

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  • Text over picture reads How to Create a Budget you can stick to. Image shows a woman with a bill, laptop and calculator creating a budget
    Budgeting - Saving Money

    How to Create a Budget You Can Stick To

    09/04/2024

    Have you read my post about Spring Cleaning your Finances and are keen to take the first step in taking charge?  Creating a budget is the cornerstone of financial stability and success. It provides a roadmap for managing your money effectively, achieving your financial goals, and securing your future. However,…

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  • Budgeting - Investing - Saving Money

    Why you need to Spring Clean Your Finances

    26/03/2024

    With the brighter days emerging as we listen to the birds chirp and watch the flowers bloom, it’s the perfect time to spring clean your finances. Just like tidying up your home, spring cleaning your finances will help you declutter, organise, and set yourself up for financial success. It can…

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  • Budgeting - Saving Money

    How to Save Money on Clothes

    04/03/2024

    Have you got a love of clothes shopping and a wish to save money?  I’ve got you!  There are so many easy ways to save money without missing out on things you need and want and you may well get better items and save money in the process! One of…

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  • Christmas savings challenge. £10 notes and £1 coins
    Budgeting

    Christmas 2024 Savings Challenge

    03/03/2024

    Hi friends!  This year I have set myself a Christmas Savings Challenge, and to keep myself motivated, I have decided to blog about it and show my earnings so you can all see how I am doing.  What is the challenge? For a bit of background, I have always saved…

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  • Reviews

    Review of HyperJar by Someone Who Actually Uses it

    20/02/2024

    Welcome!  If you’re here, you must be considering HyperJar for yourself or your family.  Let me help with your decision and give my honest review.  I have been using HyperJar for a couple of years now and I really like it.   It really helps me to budget effectively.  I…

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Welcome

I’m Kate and I am on a mission to help other women on their journey towards financial freedom.  I give helpful hints, tips and advice about budgeting, investing, making money and saving.  I have been on this journey for a few years now and I have an aim to be financially free by the time I am 50. I am 43, a mum of 3 and work full time, so this blog is a labour of love and a reflection of what I have learned and continue to learn in my journey towards financial freedom.  Follow me if you are ready to start or continue your journey to a life of financial freedom and early retirement.  Let’s do this!

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