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Living a More Purposeful Life One Cent at a Time

Plan

Q2 2019 Goals: I’m Still Setting Them

April 10, 2019 by Penny 10 Comments
Q2 Goal Setting To Do List Notebook

It’s here! It’s here! My goal post for the quarter. You know the obligatory post that every blogger writes because readers are their bestest accountability buddies? Ok, OK. The post that every blogger writes because people love to snoop and we want to indulge you? OK, FINE. It’s the post that should, in theory, be … [Read more…]

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Posted in: Plan Tagged: 403(b), clutter, ecofriendly, goals, mortgage, tax refund

My Money Did Better than Me: Q1 2019 Recap

April 3, 2019 by Penny 6 Comments
2019 Q1 Goals Recap

Happy April! The birds are chirping. The sun is staying out later. And it’s snowed, it’s rained, and it’s been 50 and sunny…all in the past week. Welcome to springtime in Chicago! With the arrival of spring (and the other three seasons that also sporadically burst onto the scene), I thought it was finally fitting … [Read more…]

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Posted in: Plan Tagged: charitable giving, charity, debt, finances, Fitbit, goals, green, health, mortgage, retirement, roth, steps, sustainability

Teacher Talk: Losing a Little Control of a Career I Love

March 13, 2019 by Penny 28 Comments
Losing Control of a Career I Love

Personal finance and financial independence: it’s about money. Often times people also point out that it’s not really about money. It’s about time and freedom. But the past few months have reminded me that I’m not only interested in those things. I want more money. I need more time. I love the idea of having … [Read more…]

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Posted in: Plan Tagged: education, schedule, staffing, teacher, teacher talk, teaching

What I Needed to Hear About Making Work Optional & A Book Giveaway!

February 18, 2019 by Penny 56 Comments
Work Optional Early Retirement Book

Woohoo! What do financially-savvy and frugal people like more than free things? How about free things that make you better with money? Then don’t miss the details about the giveaway at the bottom of this post. I’ve had an advance copy of Tanja Hester’s Work Optional: Retire Early the Non-Penny-Pinching Way for several weeks now. … [Read more…]

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Posted in: Plan Tagged: book review, books, community, early retirement, education, FIRE, personal finance, teaching, work optional

Three Money Exercises When You Skip a No-Spend Month

January 9, 2019 by Penny 15 Comments
Money Exercise Besides No-Spend Challenges

For a lot of people, January is a no-spend month. Since I’m not participating, I thought I’d share what I’m doing with my money this month. I’m spending it. Da dum tss! That is actually true, of course. I am also implementing three small changes this month that seemed notable enough to mention at length. … [Read more…]

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Posted in: Plan Tagged: earning, income, increase earning, make money, making money, side hustle, spending, tracking

She’s An Egomaniac? The Year of Me Q1 2019 Goals

January 2, 2019 by Penny 14 Comments
Setting Goals for the New Year

There’s an incredible amount of pressure to transform yourself at the start of a new year. Or at least develop a plan to launch the transformation process. You know what, friends? I don’t have that kind of plan. In fact, I find the whole idea of having to create a new me overwhelming and, quite … [Read more…]

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Posted in: Plan Tagged: charity, Fitbit, fitness, goals, health, mortgage, roth IRA, sustainability

Yes, I Still Hate My Mortgage: Q4 2018 Recap

December 28, 2018 by Penny 18 Comments
Extra Mortgage Principal Goals 2018

OK, OK. It’s not technically the end of the quarter. But I’m on winter break, so I don’t really know what day, what week, or what year it is. Plus, everyone and their uncle blogger buddy is posting 2018 recaps. Since I don’t set yearly goals (mostly because I’m probably the world’s worst goal setter … [Read more…]

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Posted in: Plan Tagged: 529, college fund, debt, decluttering, financial goals, Fitbit, fitness, goals, health, mortgage, mortgage payment, principal, sustainable

A Mortgage Milestone & More: 2018 Third Quarter Recap

October 10, 2018 by Penny 19 Comments

I love words. It’s sometimes weird electing to spend all of my virtual free time in a world that values numbers when it is really words that speak to me. But when I look back at my progress this year, I have a confession to make: The numbers make a difference. I used to be … [Read more…]

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Posted in: Plan Tagged: debt, Fitbit, fitness, Freecycle, goals, mortgage, mortgage milestone, mortgage payoff, online sales, quarter, six figures, steps

What Are You Waiting For?

October 3, 2018 by Penny 19 Comments

What are you waiting for? Start now. There’s no reason not to. If you’re anything like me, you might have a handful of legitimate reasons why you can’t charge full throttle at every dream, both big and small, that you have right now. You’re don’t want to shortchange your students or your colleagues. You are … [Read more…]

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Posted in: Plan Tagged: debt, efund, goals, microgoals, planning, savings, side hustle, strategy, success

When It’s Time to Recalibrate

September 5, 2018 by Penny 7 Comments

$140. That’s how far we went over our budget last month. In just one category. As far as our budgets go, it was a bloodbath. It was also proof that if I give myself an inch financially, I’ll take a mile. Or at least a few hundred dollars. Rather than wring my hands or cry … [Read more…]

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Posted in: Plan Tagged: fun money, grocery spending, latte factor, lifestyle creep, lifestyle inflation, needs, saving, savings, spending, wants
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