Pennywise Path
About
Pennywise Path is a finance blog that helps readers move from debt and financial struggle to confident money management and long-term wealth. It’s about more than just getting out of the minus — it’s a journey toward clarity, control, and lasting freedom.
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Disclaimer
The information provided on this website is for educational and informational purposes only. It does not constitute financial, investment, or legal advice. I am not a financial advisor, and the content shared here is based on personal experience and general knowledge. You should always do your own research and speak with a qualified professional before making any financial decisions. The use of any information from this site is solely at your own risk.
Welcome
Struggling with debt? So was I.
Not long ago, I was staring at a mountain of credit cards, loans, and bills I could barely keep up with. The clutter on my desk was a constant reminder of my financial chaos, and every day felt like survival mode. I would wake up each morning with an overwhelming sense of dread, knowing I had to face yet another day of managing my spiraling debt. The anxiety weighed heavily on my mind, clouding my thoughts and making it difficult to focus on anything else. And honestly? I didn’t know where to start. The numbers seemed to blend together, each one a badge of my struggle, leaving me feeling paralyzed and unsure of how to reclaim control over my life.
But I did start — slowly, imperfectly, and sometimes with setbacks. And that’s what this blog is all about.
Posts
- Should You Save or Pay Off Debt First? Here’s What the Experts SayIt’s one of the most common financial questions:“Should I start saving, or focus on paying off my debt first?” It’s a tough choice, especially when you’re living paycheck to paycheck. On one hand, debt costs you interest. On the other, having no savings leaves you vulnerable to emergencies — which often just create more debt.… Read more: Should You Save or Pay Off Debt First? Here’s What the Experts Say
- Why Tracking Your Spending Is More Important Than a Perfect Budget?When I first started budgeting, I thought I had to get everything perfect. Spreadsheets, percentage rules, rigid categories — the works. But no matter how many plans I made, something always knocked me off track. A forgotten subscription. A surprise night out. Or just plain fatigue. Eventually, I realised something that changed everything: Tracking your… Read more: Why Tracking Your Spending Is More Important Than a Perfect Budget?
- What to Do When an Unexpected Bill Hits While You’re Still Paying Off DebtYou’re budgeting. You’re making progress. Then suddenly — it happens. The boiler breaks. Your car gets a flat. A dentist visit turns into a £300 emergency. An unexpected bill shows up… and it feels like everything’s fallen apart. I’ve been there. When you’re already juggling debt payments, the last thing you want is a surprise… Read more: What to Do When an Unexpected Bill Hits While You’re Still Paying Off Debt
- The True Cost of Minimum Payments: Why Paying the Minimum Keeps You in DebtWhen you’re juggling multiple debts, it’s tempting to stick to the minimum monthly payments just to stay afloat. But minimum payments are designed to benefit lenders — not you. In fact, paying the bare minimum can stretch your repayment timeline by years and cost you thousands in interest. The Psychology of the Minimum Minimum payments… Read more: The True Cost of Minimum Payments: Why Paying the Minimum Keeps You in Debt
- How to Build an Emergency Fund While Paying Off Debt (Without Feeling Overwhelmed)When I first started facing my debt, the idea of building an emergency fund felt impossible. How could I save money when I could barely keep up with my minimum payments? But here’s the truth I wish I had understood earlier:An emergency fund isn’t about luxury. It’s about protecting your progress. It doesn’t have to… Read more: How to Build an Emergency Fund While Paying Off Debt (Without Feeling Overwhelmed)
- How to Create a Budget That Actually Works (and Stick to It)Budgeting doesn’t have to be boring or restrictive. A good budget isn’t about cutting everything out — it’s about gaining control, clarity, and confidence over your money. If you’ve ever started a budget and given up a few weeks later, you’re not alone. But with the right strategy, budgeting can become a habit you actually… Read more: How to Create a Budget That Actually Works (and Stick to It)
- Why Motivation Fades When Paying Off Debt — and How to Stay On TrackPaying off debt often starts with a bang — a spreadsheet, a plan, and a big burst of energy. But a few moPaying off debt isn’t just a financial challenge — it’s a mental one. There are times during your debt-free journey when it feels like nothing is changing, even though you’re trying your hardest.… Read more: Why Motivation Fades When Paying Off Debt — and How to Stay On Track
- The Psychology of Spending: Why small wins matter more than you thinkWhen I finally decided to take a hard look at my finances, I kept asking myself the same question: “Where did all my money go?” I wasn’t living a lavish lifestyle. There were no designer wardrobes or five-star holidays draining my bank account. And yet, I was buried in debt. That’s when I realised —… Read more: The Psychology of Spending: Why small wins matter more than you think
- Snowball vs. AvalancheBest Debt Method for Real People? Paying off debt can feel overwhelming. With multiple credit cards, personal loans, or old payday debts hanging over you, it’s hard to know where to start. Two popular methods — the Debt Snowball and thGetting out of debt isn’t just about math — it’s about building momentum and staying motivated. Two… Read more: Snowball vs. Avalanche
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