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.
Category: Uncategorised
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It’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.…
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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…
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You’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…
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When 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…
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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…
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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…
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When 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 —…
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Best 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…
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