Hi, my name is Wayne. In the middle of 2009, amidst the financial crisis, I started looking into ways to make money in my spare time and to save on living expenses. I wrote down the tips and tricks that I’ve found, and after a while, decided that since I already have the content, why not start a blog with it. Hence Pennypouch was born. I hope that you enjoy reading the articles as much as I enjoyed writing them. And as always, thank you for visiting.