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Living a More Purposeful Life One Cent at a Time

Invest

One Last Big Money Move of the Year

December 16, 2019 by Penny 14 Comments
One Last Big Money Move of the Year

One last big money move of the year. I was going to say decade, but I decided to take a little pressure off you. Pressure off me? It’s your money, Penny. I know that’s what you’re thinking. It is my money, and ultimately, it’s my decision. But like most things in life on this blog, … [Read more…]

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Posted in: Invest Tagged: debt, emergency fund, investing, IRA, mortgage, mortgage payoff, roth IRA, savings

Money Lessons from My Garden

July 20, 2019 by Penny 39 Comments

While I’m a far cry from an expert gardener, it’s been a hobby of mine since I was little. And it’s always been a family affair. I can’t ever recall a summer where my dad and I weren’t trying our hands at a tomato plant or twelve. Not to mention the ill-fated encounter with a … [Read more…]

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Posted in: Invest Tagged: emergency fund, garden, gardening, investing, lessons, money, patience, planning, saving, spending, time

Terrible 403b Options: What Do I Do?

March 18, 2019 by Penny 25 Comments
Terrible 403b Options What to Do

Imagine your only option for a retirement plan option is terrible. I don’t mean something trivial like having to use Fidelity instead of Vanguard. I’m not even talking about having your preferred index fund or ETF. What would you do if your 403b option was truly terrible? Asking for a friend. Well, actually, I’m asking … [Read more…]

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Posted in: Invest Tagged: 403(b), 403b fees, 403b plan, 457, annuities, AXA, educator, investing, retirement, savings, teaching

When You Can’t Do A Lot, Do A Little

July 30, 2018 by Penny 42 Comments

“Maybe we should just give up.” A blank stare greeted me. “OK. Not give up, but we could just push a really big pause button for the next five or ten years.” I got no reaction. Instead, silence hung in the air. Finally, something. “If that’s what you want. But I know that’s not what … [Read more…]

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Posted in: Invest, Plan Tagged: 403(b), debt, FSTVX, investing, mortgage, mortgage payment, mortgage payoff, progress, retirement, retirement account

I Make Money Online & And You Can, Too!

August 21, 2017 by Penny 8 Comments

Spoiler alert: I make money online a lot of ways. Blogging isn’t currently one of them. That’s right. I’m writing a post about how to make money online, and I’m not encouraging you to start your own blog (though I’ll gladly add yours to my reading list if you do!). Instead, I wanted to shed … [Read more…]

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Posted in: Invest, Make Tagged: Ebates, invest, investing, Poshmark, selling, Target Retirement Fund, Vanguard

TRS Pension Windfall: Help Me Spend It

November 21, 2016 by Penny 39 Comments

The state of Illinois is giving us $3,000. That’s right. The Land of Lincoln, otherwise known as the Land of No State Budget, is actually coughing up money. So put on your hats and let’s get this TRS pension party started, shall we?

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Posted in: Invest, Make Tagged: 403(b), budget, ERO, financial literacy, pension, roth, roth IRA, teacher, teaching, TRS, trs pension, windfall

When You Tell Me Not to Be Scared

November 9, 2016 by Penny 32 Comments

This isn’t about economics. This isn’t about politics. This is me letting you know what it feels like when you tell me not to be scared. Last night, much of the world got a lesson in stock market futures. Now that I’ve had this personal finance thing under my belt for a while, I actually … [Read more…]

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Posted in: Invest, Wonder Tagged: fear, fears, feelings, finances, investing, listening, perspective, voices

6 Ideas for that Extra Paycheck

August 1, 2016 by Penny 28 Comments

Where are all my bi-weekly paycheck people at? If you pick up a paycheck every other week–or every week–then you know that there are months where you’ll land an “extra” paycheck. For me, one of those months happens to be September this year. While my monthly budget is structured based on two of my husband’s … [Read more…]

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Posted in: Invest, Plan, Save Tagged: debt, extra money, extra payment, investing, mortgage, pay day, paycheck, payoff, salary, saving, splurge, travel

3 Investment Mistakes I’m Trying to Fix

June 20, 2016 by Penny 24 Comments

Since this is a post on investments, let’s get the platitudes out of the way: You’re in it for the long-haul. Look at the market’s performance over time. It’s just a bump in the road. That many Bogleheads can’t be wrong. This also isn’t going to be a post about how my dividends are now … [Read more…]

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Posted in: Invest Tagged: FIRE, investing, retirement, roth IRA, savings, Vanguard

Betterment, Wealthfront, or None of the Above

May 2, 2016 by Penny 15 Comments

Earlier in the year, I set the goal of opening a taxable investment account by my birthday. I was spending a lot of time researching Betterment and Wealthfront. It seemed like robo-investors were a pretty painless way to up my fairly pathetic investment game. Now that thirty has come and gone, here’s where things stand … [Read more…]

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Posted in: Invest Tagged: Betterment, IRA, roth, savings, Vanguard, Wealthfront
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