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How Pennywise Finance researches, writes, fact-checks and updates everything we publish. Plain-English version of the standards we hold ourselves to.
Pennywise covers UK personal finance: savings, ISAs, investing, mortgages, pensions, credit, budgeting, and adjacent tax topics. We publish three formats:
We do not publish news, opinion pieces, financial predictions, or content about products outside the UK market.
Every article begins with primary sources. We cite:
We do not cite other personal finance blogs as primary sources. Where another site has done original analysis, we trace it back to the underlying data and cite that directly.
Every claim about a specific number — a tax band, an allowance, an interest rate, a return figure — is linked to its primary source. Where we make calculations of our own, the methodology is documented in the article so a reader can verify it.
Articles are written by named editorial contributors and reviewed for accuracy before publication. We are not currently FCA-authorised, so we publish information only — never personalised advice.
Every article carries a visible "last reviewed" date. We update articles in three situations:
We also run a full annual sweep every April (start of the UK tax year) and a second sweep every October to refresh tax-year-sensitive content and update product data.
If we publish something incorrect, we correct it visibly. The correction is dated, signed, and explains what changed. We don't quietly edit articles to hide errors — credibility matters more than appearance.
If you spot something wrong, please use the contact page to tell us. We respond to every report.
We earn revenue from display advertising and affiliate commissions — see how we make money for the full picture. We do not accept payment to feature, recommend, or rank specific financial products. Affiliate relationships have no influence on whether or how favourably a product appears in our content.
When ranking products in "Best of" lists, we rank by user benefit only, applying the same review methodology regardless of commission rate. Where you see an affiliate link on Pennywise, you'll always see a plain-English disclosure on the same page.