Janine is a 20-something with a passion for personal finance. Janine hopes to further her career in the personal finance industry by obtaining her CA, CFP and CIRP which will allow her to help clients with financial planning as well as debt, insolvency and bankruptcy. Janine has created a personal finance blog called My Pennies, My Thoughts to chronicle her journey to financial freedom. Janine hopes to use her financial knowledge to expand her own investment portfolio and help others with tracking their spending, increasing savings and learning how to invest for the long run. Janine hopes to share her knowledge and passion with individuals to provide a basis for financial sustainability.