About The Pennyfy

The Pennyfy (thepennyfy.com) is an independent personal finance publication for readers in the United Kingdom and the United States. Our goal is to explain everyday money topics in plain language, with clear notes on where UK and US rules differ.

What we cover

• Budgeting and saving
• Credit cards, credit scores and debt
• Everyday banking and payments
• Introductory investing and retirement accounts
• Side income and personal financial planning

Who writes The Pennyfy

Articles are published under the pen name Ethan Carter, which is the byline used by the site editor. The editor is not a regulated financial adviser, and nothing here is personal financial advice. We say this openly so that you know exactly what you are reading: general education, researched from official sources, not a recommendation for your situation.

How we work

We check figures, laws and tax rules against official sources such as GOV.UK, the FCA, MoneyHelper, the IRS and the CFPB. We use AI tools to help with research, drafting and images, and we check and edit articles before they are published. You can read the full details in our Editorial Policy, and see how we handle mistakes in our Corrections Policy.

How the site is funded

The Pennyfy does not currently earn money from advertising or affiliate links. If that changes, we will say so clearly on the site.

Get in touch

Spotted an error or have a topic idea? Email contact@thepennyfy.com or visit our Contact page.