Empower Your Financial Future 

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Penny
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Jemi is smiling at the camera, she wears a bright pink shirt and a black jacket

Achieve literacy and confidence with urpenny.com 

Financial literacy isn’t a joke—it’s the foundation of security, independence, and achieving dreams like owning a home. A recent viral trend has women pranking their partners by pretending they know nothing about the mortgage. Funny? Not really—especially when only 56% of Australian women are financially literate compared to 72% of men. 

This gap isn’t just a statistic—it’s a stark reminder of the risks women face in relationships and financial decisions. Without understanding your finances, you’re more vulnerable to unequal decision-making and financial dependency. But there’s good news: with the right tools, knowledge, and support, financial literacy can empower women to achieve independence and even life-changing goals like homeownership. 

🏡 3 Steps to Get Closer to Home Ownership in 2025 

1️⃣ Reflect on Your Finances 

Take a close look at your current situation. Are your savings on track? Are there areas to cut back? Understanding where you stand today is the first step to building your financial future. 

2️⃣ Set SMART Goals 

Turn vague dreams into actionable plans. Instead of saying, “I want to buy a house,” aim for something specific like: 

  • “Save $15,000 for a deposit by December 2025.” 
  • “Pay off $5,000 in debt to boost my borrowing power.” 
  • “Improve my credit score by 70 points to secure a better mortgage rate.” 

3️⃣ Build Your Buying Power 

Every little step counts. Start tackling high-interest debt, growing your savings, and learning about the home-buying process. Strengthening your financial foundation today brings homeownership closer tomorrow. 

Take Charge Together 

Financial literacy is about more than who pays the bills—it’s about understanding where your money goes and making informed decisions. Here are a few ways to get started: 

👉 Track Your Expenses: Keep a detailed record of where your money is going to identify areas to save. 

👉 Learn Budgeting Basics: Master the essentials of budgeting so you can manage expenses, savings, and investments effectively. 

👉 Have Open Money Conversations: Talk openly with your partner about your financial goals and situation. Transparency builds equality and teamwork. 

How Penny can help 

At Penny, we make financial literacy and homeownership achievable for women with the resources and tools you need: 

  • Educational Resources: Articles and guides tailored to building financial confidence and understanding the home-buying process. 
  • Financial Tools: Budget trackers, calculators, and savings guides designed to help you plan for big goals like a house deposit. 
  • Expert Advice: Access personalised guidance from vetted professionals who can support you on your journey. 
  • Community Support: Join a like-minded community of women sharing tips, experiences, and encouragement as they work toward financial independence. 

Sign up for early access to Penny and let us help you take the next step toward financial confidence and home ownership.