Hi, I’m Hayley, and I love saving money.
I also like spending it. I just hate paying more than I need to.
If there’s a discount code, cashback app or cheaper way of doing something, I’m probably already looking for it. My friends and family are used to me saying, “There’s an app for that!”, “Don’t pay full price!” or “Hang on, let me see if I can find a voucher code.”
I just love a freebie, and I get far too much satisfaction from finding a bargain.
That’s what Miss Many Pennies is all about.
How it all started
I’m not a personal finance expert. In fact, my husband would probably tell you I’m the spender in our house. (He’s incredibly frugal, but I still refuse to swap my Yorkshire Tea for a cheaper brand.)
I started Miss Many Pennies while I was on maternity leave, when money was a bit tighter and finding little ways to save genuinely made a difference. I carried on because I was determined to pay off my own debt, and I quickly became slightly obsessed with all the different ways you could save money and earn a little extra on the side.
That meant learning everything I could about saving money and making extra income. I took part in market research studies, filled in surveys, took advantage of bank switching offers, used cashback sites wherever I could, tried GPT sites, and worked hard to grow this blog into an income.
Some things became regular earners. Others just weren’t worth the time. That’s part of the reason I like sharing what’s actually worth doing.
These days, I still get a ridiculous amount of satisfaction from finding ways to spend less without feeling like I’m missing out. Whether it’s a cashback offer, a birthday freebie, a useful app or a discount code, if I discover something worth sharing, there’s a good chance it’ll end up on Miss Many Pennies.
Why “Miss Many Pennies”?
The name comes from the old saying:
“Look after the pennies and the pounds will look after themselves.”
As well as a little nod to Bond. See my very first attempt at a logo (don’t laugh):
I don’t believe frugal living means never treating yourself or feeling guilty every time you spend money.
For me, it’s just about being more intentional, wasting less and getting better value from the money you’ve worked hard to earn. Saving money isn’t about deprivation, it’s about having more left so you can worry a little less about the everyday stuff and still have money left for the things you really enjoy.
What you’ll find here
Everything on Miss Many Pennies is written with one goal in mind: helping you make your money go further without making life harder.
You’ll find articles on:
- saving money on groceries, bills and everyday spending
- budgeting without making life miserable
- frugal living that actually feels realistic
- ways to earn extra money from home
- cashback apps, freebies and money-saving tools
- building healthier money habits over time
Most of what you’ll read here comes from personal experience, plenty of research and trying things out for myself before recommending them. Where I haven’t experienced something personally, I spend time digging into reliable sources and other people’s real experiences before writing about it.
Since launching Miss Many Pennies in 2018, I’ve published more than 180 articles covering personal finance, budgeting, frugal living and ways to make extra money. What started as a hobby has become a fun project I love working on.
A quick note
I’m not a financial adviser, and this isn’t a website full of get-rich-quick schemes or unrealistic promises.
I’m always trying new apps, looking for better deals and discovering new ways to save, so if I find something genuinely useful, you’ll probably hear about it.
One thing I’ve learned over the years is that saving money doesn’t have to mean making life miserable. You don’t have to make every coffee at home, never go on holiday or stop buying the things you enjoy. Sometimes it’s just about knowing where to look, paying a little less and making your money stretch that bit further.
As seen in
Over the years, Miss Many Pennies has been featured in and mentioned by:
The Guardian . MoneyPantry . The Mini Millionaire . Family Budgeting
Start here
If you’re new here, here are a few popular places to begin:
• How to Stop Being Broke
• Frugal Living Tips That Actually Work
• Easy Budgeting Strategies to Try Today
Whether you’re paying off debt, trying to cut your grocery bill, saving for something special or just wondering if there’s a better way to manage your money, I hope you’ll find something here that helps.
Thanks for stopping by!