Welcome to the blog of Miss Penny Money.
The primary purpose of this blog is to document my journey out of debt.
The story behind the blog
The world of blogging has opened up so many opportunities for me.
My husband works shifts, and for us, the cost of childcare always outweighed the reward for being paid to work for someone else, so we chose to live our life as a single-income family. It wasn’t easy. I missed the money, and my independence. I did go back to work a handful of times, but each time it was too much, juggling everything with my husband’s night shifts and weekend work, and putting my girls into childcare. So instead, I wrote novels during stolen free time and focused on my kids and getting by.
We accumulated more debt during that time, and one day in July 2018, I decided enough was enough. So, my debt-free journey began.
Since then, I’ve discovered lots of different ways to make money to help us on our journey, which cemented my theory that with the right will and determination, it is totally possible to earn money while looking after a family – on YOUR terms.
Now, I have the opportunity to do what I love – writing, creating AND looking after my family without anyone missing out on anything, and I’m totally in charge of my own life. I also love Mystery Shopping tasks, which are brilliant for boosting confidence and getting you out of the house.
My debt-free journey
Like many others like me, from the age of 18 I’ve accumulated debt in the form of credit cards and loans. The problem with credit, is that it needs to be paid back. And that’s easy to forget about, until the bills come in and you remember exactly HOW MUCH you really did spend.
Many debt consolidations, loans and credit cards later, I’m now 30-10 (ahem), and I don’t want to be in debt anymore.
So, I’m reducing the £20,000 of money we owe, one step at a time.
It’s my mission to pay off these debts once and for all, sharing my discoveries and tips with you along the way, from meals on a budget, to cheap or free days out, to money-saving and money-making to get those debts paid off. Once that’s done, it’ll be all about the journey to financial independence. Of course, I’d love it if you’d join me on the way, and you can sign up here.
(This isn’t me in the photo, by the way. It’s my disguise as I’m currently anonymous. I do like her hat, though.)
Work with me
If you’re interested in a collaboration with Miss Penny Money, please visit this page.