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Continue reading →: Home Energy saving Tips with the Fastest Payback Time2025 has begun with a pretty impressive cold snap in the UK. If you are struggling to pay your energy bills read this citizen’s advice article about where to get help. Even if you can pay afford to pay your energy bills, it’s likely that you’ve found yourself heating more…
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Continue reading →: Investing in UK gilts and is this an ethical investment?Gilts are short to medium term bonds issued by the UK government. Essentially, the government is asking to borrow your money and is prepared to pay interest in return. As such, they are an incredibly safe investment, as it is highly unlikely that the UK government will default on these…
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Continue reading →: How to save or invest for a university education.Before we get to saving and investing for a university education, it’s worth asking whether a university education is worth the cost? In financial terms, the answer to this is likely to be yes, but there are a few exceptions. Financial benefit over a career is particularly apparent for people…
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Continue reading →: Creating a legacy, passing on property, possessions and money plus how to write a willWhat is a legacy? Most people think of a legacy as a financial gift left in a will, but the term can also be used to emcompass anything passed down from generation to generation or within communities. Using this broader definition, almost everyone leaves a legacy, regardless of wealth. I…
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Continue reading →: How to start or switch to a fossil-fuel free pension.If you’ve cleared debt and have some emergency savings, your next step towards good financial health may be to start a pension. And pensions really matter to climate finance because pension finance is huge! 3 trillion pounds worth of huge in the UK alone. So, collective power in this area…
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Continue reading →: How to source free (and healthy!) food.There are a few ways to get food for free throughout the year that can help stretch the weekly food budget… Try regrowing food from leftovers. This works well for spring onions, leeks, lettuce, celery and fennel. For other fruit and veg, save the seeds and grow the following year.…
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Continue reading →: Fossil-fuel free savings accounts in the UK- Rates updated 8th April 24If you have emergency savings or savings over and above an emergency fund, congratulations! But, did you know that the money you have saved in a bank or a building society has a carbon footprint, based on how that bank or building society uses that money. MotherTree estimate that £10,000…
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Continue reading →: A Surprisingly Easy Way to Slash your Carbon Footprint: Fossil-Fuel Free BankingSwitching your current account to a bank that doesn’t support the fossil fuel industry is a quick and satisfying win for anyone without an overdraft. The fossil-fuel industry is the world’s biggest driver of climate change. Switching from one of the worst banks in the US to one of the…
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Continue reading →: 10 zero cost environmentally friendly changesIf your budget is stretched, there are still areas where you can make environmentally friendly choices at no extra cost. You may even save money.
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Continue reading →: The FIVE biggest impact decisions for cutting lifetime carbon footprint AND saving moneyIn general terms, these five decisions are likely to be the most important life decisions in terms of saving money and reducing overall environmental impact for most people. Some of these decisions may be easier to make at earlier life stages when important decisions are yet to be made; for…
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 