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Continue reading →: Sustainable shoes, boots and other footwear.The environmental impact of footwear. Shoes, actually several different types of shoes and likely boots too, are of course a necessity for modern life. However, in the Western world, most people, myself included, probably own too many pairs of shoes and boots. More than 20 billion pairs of shoes are…
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Continue reading →: The best (and worst) hobbies for your finances.Hobbies allow us to develop new skills and can allow us to be productive in our spare time. Hobbies may be an outlet for creativity; this is especially good if our jobs are not particularly creative. Hobbies may allow us to develop new friendships and can help relieve stress. However,…
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Continue reading →: How to supercharge your charitable donations; a guide for UK taxpayers.Almost 60% of adults in UK give to charity. This figure is significantly lower than the highs of 80% of adults giving to charity seen in the mid- 2,010s and reflects a general trend in fewer adults donating to charity since this time, as well as the impact of Covid-19…
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Continue reading →: How to do a Financial Spring-clean…Tips for Financial Wellness in the New UK Tax Year Are you on track for a healthy financial future? The new tax year begins on the 6th April in the UK. This is a great time to review your finances and take any necessary steps to improve your financial well-being,…
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Continue reading →: Growing fruit and veg: What should I grow to save the most money?It is definitely possible to save money on groceries by growing fruit, vegetables and/or herbs at home. What you choose to grow should of course depend on what you like to eat. However, certain crops save much more money than others. In 2023, I weighed all of the produce from…
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Continue reading →: What are the different types of ISAs and what are the best ethical options?For residents of the UK, ISAs or individual savings accounts are essentially very attractive vehicles for sheltering cash, bonds, stocks and shares or funds, peer-to-peer lending investments or crowdfunding holdings (depending on the type of ISA) away from the tax-man. This is entirely legal and has been set up by…
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Continue reading →: How to be a more conscientious consumer on a tight budget.Conscientious consumerism may at first appear to be an oxymoron as the term consumerism invokes negative thoughts of buying unnecessary luxuries. However, in this context, we are simply talking about making day-to-day purchases in line with one’s own ethical principles. There are two main ways of being a more concientious…
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Continue reading →: Five ways of investing in renewable energyClean energy sources including solar, wind, hydro and geothermal power are the future of energy and are likely to align with most peoples ethical principles. In the UK, it seems likely that the Labour party will form the next government. Although Labour have now abandoned their previously touted 28 billion…
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Continue reading →: Zero waste swaps that can save you moneyZero waste swaps can save money. However, there are some provisos. As with the energy saving measures with the fastest payback time, the zero waste swaps that start to payback money in the fastest time are the no-cost swaps or the minimal investment swaps. If however, you purchase expensive zero…
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Continue reading →: Investing without compromising your ethicsWhen people think about investing, they most commonly think about stock markets. This post therefore refers to bonds, stocks and shares and funds that hold these. Other investments may be considered in future blog posts. If you have emergency savings and some pension savings, and still have money left over…
Hello,
I’m Penny
I write about personal finance from a sustainability and ethical perspective – it’s personal finance for the era of the climate crisis.
The Art of Green Finance 