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The Humble Penny

Sunday Times Bestselling Authors of Financial Joy 📕. Seen on BBC, ITV, Financial Times, Vogue, Sunday Times It is UK based but with a global reach.

We help you create a balance of Wealth and Well-being so you can achieve financial freedom filled with the small experiences that bring you joy. The Humble Penny is a Personal Finance and Lifestyle blog with a mission to help Create Financial Joy and Independence in people's lives. Feel free to check it out here https://thehumblepenny.com/ and join the movement.

03/07/2025

10 Ways to Thrive in the next 5 Years as AI replaces jobs.

🔶️ Save & Share if this hit home 🔶️

👉🏾This post is a Call to Action, NOT a Call to Fear!!

While AI presents MASSIVE opportunities (for some), most people wish the negative impact of AI on their jobs would just go away like a bad dream.

We have to use that fear and reframe it as an opportunity 😀

But first, we need to start talking about what's really happening.

Quiet panic is rising, job losses are up, but the bills keep coming!!

Here’s how to protect your income and thrive in the age of AI 😀

👉🏾Have you noticed noticed more job losses than usual? Have you or friends or family lost jobs due to AI? comment below ⬇️

Follow for real-world money strategies for income, freedom and Financial Joy.

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10/06/2025

10 Hidden UK Costs That Are Draining Your Money Fast (and how to fight them) 😀

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Your money is being taken, not by scammers, but by the system.

In this post, we unpack how.

👉🏾 Follow for more.

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👉🏾 What other hidden costs would you add to the list? Comment below ⬇️

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11/05/2025

One of the most beautiful places life has taken us is to Capri. 🌊☀️

But the real journey behind the image?

It’s the one where you take control of your income, gradually create freedom, and live life on your terms.

👉🏾 It's not easy or pretty, but it's worth it.

No one gives this to you. You have to create it.

If you’re ready to learn how to create your own income, we're here to help you take the first step towards the life you truly want. 😀💛

Join us. For FREE. Over our 5 Day Income Challenge.

- No hype
- No pretence
- No getting rich quick

👉🏾 Comment "GROW" for a link to join us starting tomorrow, Monday, 12th May, to Friday, 16th May 2025.

Alternatively, join here https://thehumblepenny.com/rocket-your-income-challenge

Let’s grow together.

👉🏾 True success is in taking others along. Sharing what REALLY works.

See you on day 1 😊🙌🏾

👉🏾Comment "GROW" for a link to join us.

Love from us ❤️

P.s. This photo is a throwback to 3 years ago when we took time out as a couple to visit different parts of Italy 🇮🇹.

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03/05/2025

A life that isn't in a hurry is a great life ❤️

I feel like although we know that, it's often hard to achieve.

Everything moves at speed, and we often feel like we need to move at speed, too.

But the truth is, we don't.

Today, I feel we got it right, although we don't always.

Just before I took this pic today 📸...

Mary said: What should we do right now?

I said: Nothing. Let's just chill and chat.

It felt good.

Not hurrying through life leads to Quality time...

↳ with God.

↳ by yourself.

↳ with loved ones, etc.

Quality time...

↳ keeps love in your life.

↳ reduces the noise out there and gives you clarity of purpose.

↳ creates joy in your life.

↳ helps you make the right decisions in your finances.

↳ helps you incline your ear, listen, and grow.

It works.

It doesn't even have to cost money sometimes.

It's about choosing to unhurry your life so that you're living and not just existing 😊

Happy Saturday ❤️

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Do you sometimes feel like you could do with unhurrying your life? 🤔

21/04/2025

Throwback to this time 15 years ago ❤️. Looking at this photo makes we smile 😊. It's one of the most spectacular experiences seeing the pyramids.

We'd met 6 months earlier, dating, and this was our first ever holiday together.

April 2010 was a very different world, but one thing remains true then as it is today:

🔸️You're the sum of your life experiences🔸️

Although money is important, when you look back on your life, the thing you remember will never be how much money you made or didn't make.

It will always be about the quality of life you chose to live.

Don't let your one and only life pass you by. Live it intentionally with love.

We continue to live ours side by side.

Some days are boring and busy, and some are exciting and adventurous, but we are living.

Hope you are, too, in your own way 😊

👉🏾What one life or travel experience brings a smile to your face when you remember it? Comment below ⬇️

Happy Monday ✨️

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11/04/2025

US TARIFFS CHAOS: How it's hitting your UK Investments, Mortgage, Bills, Jobs, UK Economy, etc, and what to do next 😅.

🔶️ Save and Share this knowledge 🔶️

👉🏾Stay calm and make the best decisions at this time for you and your family 😀.

There is always opportunity in a downturn, so think long term 📈

👉🏾 What is your biggest concern about this tariff situation? Comment below with any questions ⬇️

👉🏾 Follow for more.

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02/04/2025

What a difference a change of environment makes 😍😍

Loving this country!!

Jambo! ❤️🇰🇪

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🇰🇪

01/04/2025

🚨 BREAKING NEWS! 🚨 We’ve cracked the code to financial freedom… in a can! 🎉💸

Introducing The Humble Penny’s Exclusive Spray Collection:

💨 Financial Fresh Air Spray – A scent of abundance in every spritz!

❌ Debt Repellent Spray – Spray away lingering debt stress!

💰 Passive Income Perfume – Smell like success… even while you sleep!

Available for ONE DAY ONLY in our Shopify Store (because, well… April Fools! 😆)

Tag a friend who NEEDS one of these ASAP! 😂

'tbelievethehype money

29/03/2025

- Why Couples Fear Talking About Money and How to Turn It Around 😀.

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Almost one in three (30%) adults in relationships fear financial talks will spark arguments, with Londoners (50%) most concerned about this.

👉🏾Investments are a particular source of tension, with almost half (45%) of those in a relationship saying they are the last thing they want to discuss with loved ones, increasing to 62% of Londoners and almost 48% of Scots.

Today, we're sharing 3 ways to have better discussions as a couple to build financial confidence.

The research above was conducted by Columbia Threadneedle, a leading global asset manager that provides saving schemes.

👉🏾Through The Savings Plan, you can invest through an ISA, JISA, LISA or General Investment Account (GIA) into investment trusts with investment opportunities in equities, property, etc

👉🏾Search “Columbia Threadneedle Savings Plans” or visit www.ctinvest.co.uk to open your Savings Plan 😀.

Did the research in today's post surprise you? 🤔. Comment below.

Capital at risk. Approved by Columbia Threadneedle Management Limited as at 28/03/2025. For UK investors only. LISA eligibility criteria and withdrawal charges may apply.

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🎥: Watch our YT Channel at "The Humble Penny"

📱: Read our Blog at www.thehumblepenny.com to help you to take control of your finances and grow your money.

👉🏾 Follow for more on how to design a life of Financial Joy 💛

📕: Read our Sunday Times Bestseller, Financial Joy. Link in Bio or get a copy here https://geni.us/financialjoy

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25/03/2025

We never imagined this would happen! our book 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘑𝘰𝘺 has been translated for the very first time… into Traditional Chinese for readers in Taiwan! 😍

Seeing our message of hope and financial empowerment reach new corners of the world is such a surreal and joyful moment. 🌍💛

✅ For us, on a very personal level, it's a reminder to keep believing in ourselves, keep doing brave things, and keep trusting God.

✅ Only 10 years ago, my career seemed so uncertain, and I didn't know where it would go.

✅ Only 5 years ago, I left my corporate career during Covid to fully pursue this alternative path, and I never would have imagined this outcome.

👉🏽 The path hasn't been smooth, but I continue to learn a lot.

Thank you to everyone who has supported this journey 🙏🏽.

Huge thanks to our book team Oscar Janson-Smith and Emily Arbis and the amazing people who are quoted on this book cover, JL Collins author of "The Simple Path to Wealth" and the incredible YolanDa Brown OBE DL.

Here's to spreading Financial Joy around the world! ✨📚.

Have a wonderful day and keep your dreams alive 😊

p.s. do you like the Taiwanese cover? I love the hearts :)

🟢 Follow for more, we are International Speakers, Award Winning Financial Coaches and Sunday Times Bestsellers of Financial Joy: https://geni.us/financialjoy (LINK IN BIO)

♻️ Share this with others working on their dreams

24/03/2025

You've been trained to be poor! Here are 10 shocking money traps and how to break free from them 😅.

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It's time to unlearn survival thinking and focus on building wealth long-term (with patience) for financial security and freedom.

It won't happen overnight but you can move forward financially, starting with the right mindset 😀

👉🏾 What else would you add to the list? Comment below ⬇️

👉🏾 Follow for more.

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09/03/2025

We received this important award from for reaching 100,000 Subs on The Humble Penny channel 😍😍. As a couple, the biggest impact at home is what this teaches our children as they watch us.

Here are 7 things that immediately come to mind. Hope they speak to you, too:

1. You have a unique voice and can change the world by telling your unique story.

2. An alternative career path is possible.

Even if you doubt yourself or others doubt you, still try. You can see mummy and daddy are doing it 😊.

3. Don't listen to anyone who tells you anything you want to do is saturated.

4. Purpose ❤️ over Profits. Always.

5. Consistency and the quality of your work will always keep you ahead. Stay focused.

6. Life is teaching you a lesson when things are moving slowly. It creates room for growth 📈. Pay attention.

7. Whatever you choose to do, aside from being good at it, do it because you also enjoy it. This will keep you going.

👉🏾Finally, your step of faith is always rewarded.

👉🏾Do something with the talents you've been blessed with.

👉🏾For those who do, more is given.

Hope you're also enjoying the beautiful and much needed sunshine 🌤😀.

Happy Sunday ✨️

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https://thehumblepenny.com/, https://geni.us/financialjoy

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