Penny Path Blog

Practical tips for saving money and building wealth — one smart choice at a time.

financial advice

Avoid These Financial Mistakes in Your 20s for a Secure Future

Financial Mistakes to Avoid in Your 20s: Don’t Let Youthful Folly Haunt You Forever Ah, your 20s – the decade of self-discovery, quarter-life crises, and questionable financial decisions. It's a time when you're figuring out who you are, what you want to do with your life,

Kaiya Leilani Singh 4 min read
multiple streams

Build Multiple Streams of Income for Financial Freedom

Building Multiple Streams of Income: Your Roadmap to Financial Freedom Ever felt like you're just treading water, waiting for that next paycheck? Or maybe you've got big dreams, but your bank account is saying "hold up." Creating multiple streams of income can change all

Kaiya Leilani Singh 4 min read
hsa

Maximize Your Savings with HSAs: The Ultimate Tax Guide

The Complete Guide to HSA Accounts and Tax Benefits Are you tired of shelling out hard-earned cash for medical bills with no tax relief in sight? If so, listen up. I'm about to break down the world of Health Savings Accounts (HSAs) and their stellar tax perks. Let

Kaiya Leilani Singh 3 min read
wealth building

Building Wealth on a Middle-Class Income: The Unconventional Guide

Building Wealth on a Middle-Class Income: The Unconventional Guide Ever felt like building wealth is only for the 1%? Like, why bother trying when it seems so out of reach? Well, let me tell you, that’s just a myth. With the right strategies and mindset, anyone can build wealth—

Kaiya Leilani Singh 3 min read
financial planning

How to Create a Financial Plan in Your 30s: A Step-by-Step Guide

Creating a Financial Plan in Your 30s: A Step-by-Step Guide Feeling like you're stuck in an endless cycle of living paycheck to paycheck? Ever dreamt about what it would feel like to be financially free but have no idea where to start? Fear not, my friend, because your

Kaiya Leilani Singh 4 min read
investing

Start Investing with Just $100 a Month: A Beginner's Guide

How to Start Investing with Just $100 a Month: A Beginner's Guide to Financial Freedom Ever felt like you're on a hamster wheel, running but getting nowhere? Maybe you dream of building wealth, but think it’s only for the rich and famous. Not so fast!

Kaiya Leilani Singh 3 min read
salary negotiation

How to Negotiate a Higher Salary at Your Current Job: Adulting 101

How to Negotiate a Higher Salary at Your Current Job: Adulting 101 ==================================================================== Ever felt like you're underpaid for all the hard work you do? You’re not alone. We’ve all been there, dreaming of more cash for those fancy brunches and real vacations. But guess what? It’

Kaiya Leilani Singh 3 min read
personal finance

Beginner's Guide to Index Fund Investing

Beginner's Guide to Index Fund Investing: A No-Nonsense Crash Course Ever felt like investing is a game reserved for the rich and the math whizzes? Well, it’s time to shatter that myth. Growing your wealth doesn't have to be complicated or expensive. Welcome to the

Kaiya Leilani Singh 3 min read
student loans

How to Pay Off Student Loans Faster: No-Nonsense Tips for Millennials

How to Pay Off Student Loans Faster: A No-Nonsense Guide for Broke Millennials Ever felt like those pesky student loans are just waiting to pounce every time you check your bank account? If you're nodding along, don't worry; you're not alone. The average Canadian

Kaiya Leilani Singh 4 min read