CONSULTANCY

After a number of years working for several large debt advice companies, Liam and Karmina yearned to offer a more personalised approach to customers, coupled with meaningful conversations tailored directly to their needs, hence the creation of CALM Debt Solutions.

Helping to solve problems since 1939, Citizens Advice has built a reputation of making a difference and speaking up for clients.

We all face difficulty that will seem complicated and intimidating. Citizens Advice believes no one should have to face these without excellent, impartial and independent advice - That’s why they’re here.

Providing people with the knowledge and confidence needed to find their way forward - whoever they are and whatever their problem!

The national charity and network of local charities offer impartial and confidential advice online, over the phone and in person for free to anyone in need!

They’re here to help.

Yearning to make a meaningful contribution to world, Ken started The Humble Penny.

The Humble Penny is a result of combining his passion in mentoring, education and managing money with the matured talents in finance, investing and entrepreneurship.

Finances play such huge roles in our lives and is often underestimated despite the fact it underpins our health, relationship, environment and even spiritual life.
The goal is to help get you to higher ground, master your money and take charge of your future, today! - Helping you have more influence in life, find happiness and joy!

The Humble Penny - Home to a growing community of fearless dreamers seeking financial joy in their lives.

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