Ines Pena
Digital Content Executive
LinkedIn profile: Ines Pena
Always looking for new topics to dive into, Ines joined OneFamily in 2021 after spending several years writing across industries such as fashion, travel and technology.
Her personal mission is to make complex financial topics accessible to everyone by translating her in-depth knowledge of financial products into easy-to-understand guides. Her friendly and personable style of writing helps her give readers a fresh perspective on topics they might have otherwise have seen as boring.
Ines is our in-house expert at producing clear infographics and other visual content to break down subjects like budgeting methods, financial products and money news.
When she's not on her work laptop, you'll find her playing videogames, hiking the South Downs or doing laps at the local pool.
Previously published on:
Fora-de-Serie magazine (Portugal, print)
Plaza Magazine (United Arab Emirates, print)
StyleSwitch (Italy)
Back to Writers hub.
Have you thought about leaving money for your funeral? If you don’t make provisions, your family could be left to foot the bill.
Lifetime ISAs give you a 25% government bonus on top of your savings to help you buy your first home or save for retirement.
However, buying a house can be a complicated process, so how does your lifetime ISA fit in?
When you’re looking to buy your first home, you know you’ll need to save for a mortgage deposit, but there’s a few extra costs that you should be ready to tackle before you start your homebuying journey.
A mortgage is simply money lent to you by a mortgage lender to buy a property. With most mortgages, you’ll pay this money back over time by paying a set amount each month.
Owning your own home is very different to living in rented accommodation and one lifestyle could be more suited to you than the other.
There is a limit to how much money you can put into a junior ISA each tax year. Find out what the current junior ISA allowance is, how it works and how it interacts with other savings products.
A lifetime ISA gives you a 25% bonus on everything you put in, if you use it in very specific ways. Check if a lifetime ISA is right for you.
From buying a home to paying for your funeral, find out why you might want to take out life insurance and which type would be right for you.
One of the great things about JISAs is that anyone can help your child’s savings pot grow. Find out how you, your family and even your friends can pay into a JISA and be a part of giving your child a strong financial start when they enter adulthood.
The base interest rate has gone down, which means mortgage rates could go down, too. But how does this affect you as a first-time buyer?
We look into how much it could cost your children to move out of the family home – and how you can help them get out there faster.
With so much talk of “getting on the property ladder” as early as possible, it can be easy to feel left behind. But there’s no deadline! It’s never too late to start saving to buy your first home. Financially speaking, the earlier you buy your first home, the better. It means you have longer to […]
Every time you pay into a lifetime ISA, the government gives you a bonus worth up to an extra £1,000 every tax year to help you buy your first home. But when is this bonus paid and how can you get the maximum government bonus? Let’s dig into how the bonus works. What is the […]
Want to put some money away in a tax-free account? Find out how lifetime ISAs and stocks and shares ISAs compare and which is right for you.
Our research shows that almost 3 million people over the age of 50 in the UK don’t plan to have a funeral. Find out why and how life insurance could help.
Putting money away for your child’s future can give them a boost at the start of adult life, but it’s important to consider what type of account to use.
When the time comes to stop working, you’ll find yourself with more free time than you’ve had in years! Have you thought about what you might like to do with it?
Pensions should be your first option when planning for retirement, but did you know you can also use a lifetime ISA to put extra money aside?
As the temperatures start to go down and the energy bills go up, you might feel like you can’t afford to put the heating on. Read on for the different ways you can get support from the government this winter.
As a self-employed person you don’t get automatically enrolled in a workplace pension. How can you save for retirement?
From the basics of budgeting for beginners to tips for staying on track, we’ve put together a complete guide on making and keeping a budget.
Skipton Building Society has launched a mortgage that doesn’t need a guarantor or a deposit. But is it right for you?
Everyone at OneFamily gets three days a year to volunteer. From gardening to painting walls, find out how our colleagues helped out in 2024.
Looking to buy your first home and unsure what type of property ownership is best for you? Find out how they work – and how they compare!
From saving money for the future to investing in stocks and shares, we asked “Gen Z” teenagers across the UK what they know, and how they feel, about money. Their answers might surprise you!
When you open a JISA, you’ll need to choose between a cash JISA and a stocks and shares JISA. Find out what these options mean, how they compare and what could be the best choice for you and your family.
Junior ISAs and child savings accounts both help you save for your child’s future, but they’re very different products and suit different needs.
Tax-exempt savings plans are another way to save on behalf of a child, but how do they compare to junior ISAs?
Junior ISAs allow you to put money away over time for your children and grandchildren.
The Labour government made several pledges to support first-time buyers onto the property ladder. Here’s the details.
We spoke to Beagle Street customer Chris Kisby on why the birth of his child convinced him to take out life insurance.
Find out how to join the FIRE movement – Financial Independence, Retiring Early – and build a savings pot to stop working sooner.
Discover the UK’s best places to live and work based on quality-of-life factors including value for money and work opportunities.
When it comes to saving for retirement, the right amount to save can be different for everyone. Find out how much you should aim to save up, and how much you should be putting away every month.
If your parents didn’t open a child trust fund for you, the government would have done it instead. Learn how you can find a CTF that’s been opened by the government.
Saving for your children should be an option for everyone. Whether or not you claim benefits, you have a right to open a Junior ISA.
If you’re weighing up how to start saving for your child, you could open a junior ISA (JISA) in their name or save on their behalf in your own adult ISA.
There are some tax benefits to saving money in a junior ISA. Find out how you can give your children a tax-free lump sum when they turn 18.
If you’re thinking of transferring a child trust fund to a junior ISA, there are a few key differences you need to be aware of.
When we talk about who can open a junior ISA (JISA), we often mention parents, legal guardians and those with parental responsibility. But what exactly does parental responsibility mean in the context of JISAs?
When you turn 18, your junior ISA “matures”, meaning you can now do what you like with the money.
Find out what your options are.
A junior ISA (JISA) can be a great way to give your child financial support at the start of adulthood. Here’s everything you need to know to decide if it’s the right product for you.
We’ve pulled together a list of the benefits of Junior ISAs and the things to keep in mind, so you know what to expect if you open one.
Getting insured on your parents’ car gives the freedom to learn to drive before you commit to buying your own car.
We’ve partnered with food banks and other charities to help those who are struggling to feed themselves and their families.
Our members voted for RedSTART to become our new charity partner – but what is RedSTART, what do they stand for and how can you help?
In 2023, over 140 OneFamily colleagues made use of their volunteering days, attending 240 volunteering sessions for 16 different charities.
A custom painted ‘Shaun the Sheep’ sculpture, known as Pebble, is now at home in the OneFamily Brighton office.
Don’t let your age hold you back! We’ve listed some of the best ways you can get some extra money in your pocket as a young person.
If you’re looking for ways to budget, you might have heard of “budget rules”. What are they, how do they work and which one is best for you?
The best way to deal with the unexpected is to prepared for everything. Find out how much your emergency fund should be, how to build it and more.
We’ve put together a list of common mistakes you could be making with your money and what you can do to avoid them.
When your income barely seems to cover your expenses, building a savings pot can feel impossible. But there are ways to save money on a tight budget.
It’s easy to lose track of your spending if you’re not used to managing your finances. Here are some tips to make your money go further at university.
It happens to all of us. You have a bad day, so you buy something to make yourself feel better. Or you’re having a great day and lose track of your spending!
We are very proud of our CEO Teddy Nyahasha for being named in The Powerlist 2023, which celebrates the UK’s influential black role models.
Meet more members of this team:
Frankie Entwistle
Frankie is OneFamily's Digital Content Lead and has over two years' experience and advocates for accessible investing.
Read all content by Frankie.
Gemma Bellamy
Gemma, our Marketing and Content Executive, is keen to create content that helps people to understand the often complex world of finance.
Read all content by Gemma.