Saving Guides | Penny & Plan

Saving How Much Should You Have in an Emergency Fund? How much to keep in an emergency fund, a simple way to calculate your number, and where to keep it so it actually earns. 2 min read

Saving How Much Should You Save Each Month? How much of your income to save each month, a simple percentage to aim for, and how to adjust it to your real life and goals. 2 min read

Saving How to Lower Your Electric Bill: 12 Ways That Actually Work Twelve proven ways to cut your electricity bill, from the biggest energy users in your home to quick habits that add up every month. 2 min read

Saving How to Save for a House Deposit (Even on a Normal Income) A realistic plan to save for a house deposit, how much you need, how to hit your target faster, and where to keep the money. 2 min read

Saving How to Stop Impulse Spending: 10 Habits That Work Ten practical ways to stop impulse spending, from the 24-hour rule to removing saved cards, so you keep more of what you earn. 2 min read

Saving How to Save Money on Groceries: 15 Tips That Actually Work Fifteen realistic ways to cut your grocery bill without coupons overwhelm, from meal planning to unit pricing and smart shopping habits. 2 min read

Saving How to Cancel a Gym Membership Without Getting Charged The exact steps to cancel a gym membership without extra fees, including how to beat auto-renewal, notice periods and tricky contracts. 3 min read