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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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  • 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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  • 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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  • woman with laptop holding a yellow phone. Text reads Investing: is it a feminist issue?
    Investing

    Investing: Is it a Feminist Issue?

    16/04/2024

    Hello and welcome.  Is investing a feminist issue? In recent years, the intersection of feminism and finance has gained significant traction. While the feminist movement has historically focused on social, political, and cultural issues, we need to recognise that economic empowerment is equally vital. Investing, often perceived as a realm…

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  • a stack of books with text ‘5 must-read books for every beginner investor’
    Investing

    5 Must-Read Investing Books for Every Beginner Investor

    13/04/2024

    Welcome friends! Today we are going to look at investing books to help you on your financial journey. Investing is both an art and a science, and mastering it requires continuous learning and exploration. Fortunately, there’s a wealth of knowledge available in books written by seasoned investors and financial experts.…

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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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  • 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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  • woman smiles at a mobile phone. Text reads what you need to know about investing - a beginners guide.
    Investing

    What you Need to Know about Investing for Beginners

    23/03/2024

    Hello! Welcome to my quick guide to investing for beginners. For many, investing may seem daunting, like an exclusive club that you need to be rich to enter, but I’m here to tell you that nothing could be further from the truth. Investing is very accessible, and I would go…

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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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