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

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    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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  • purse open and empty in foreground with woman holding her head in her hands in background
    Debt

    10 Simple Tips for Managing Debt in Your 40s and Beyond

    26/04/2024

    Debt can be a heavy burden, especially as we navigate through our 40s and beyond. But fear not, there are practical strategies you can employ to lighten the load and pave the way towards financial freedom. Here are some easy tips to help you manage and clear debt during this…

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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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  • people sitting around a conference table. Text reads How to Maximise your income within your 9-5
    Making Money

    How to Maximise Your Income Within Your 9-5

    02/04/2024

    Hello and welcome! In this post I am going to be talking about the potential for income maximisation that could be right under your nose! In the pursuit of financial stability and growth, many people look outside their current employment for ways to make more money. Side hustles, freelancing, and…

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  • Kids playing hopscotch. Text reaads 10 free activities to keep your kids entertained this holiday
    Saving Money

    10 Free Activities to Keep your Kids Entertained this Holiday

    30/03/2024

    Are you looking for budget-friendly ways to entertain your kids this holiday? Keeping children entertained without spending a fortune can be challenging, but it’s definitely possible with a little creativity.  Here are 10 free activities that will keep your kids engaged, active, and having fun without breaking the bank. 1.…

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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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  • 15 ways to save on groceries. Fruit and vegetables in open fridge.
    Budgeting - Saving Money

    15 Easy Ways to Save Even More on Groceries

    19/03/2024

    Managing your grocery budget can be a challenge, but with some smart strategies, you can stretch your money further without sacrificing the quality of your meals. Whether you’re a seasoned saver or just starting out, these 15 tips will help you save even more on groceries while still enjoying delicious…

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  • graph showing compound interest growth over time
    Investing

    The Magic of Compound Interest – What I wish I knew about Investing in my 20s

    05/03/2024

    Hello again, friends!  Today, we’re diving into the world of investing and taking a look at compound interest – the amazing secret behind growing your money over time. Whether you’re just starting your financial journey or looking to level up your money game, understanding compound interest is like discovering a…

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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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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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