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Living a More Purposeful Life One Cent at a Time

Plan

When You Can’t Always Earn More

August 20, 2018 by Penny 29 Comments

There’s a dirty little lie in the personal finance world. Fine. It’s not a lie. But it’s not the universal truth that it’s held up to be either. “You can always make more money.” Can you really? Can I?

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Posted in: Plan Tagged: $200 groceries, budget, cut, earn, earning potential, grocery budget, raise, save, spend

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

Our 2018 Summer Goal Checkpoint

July 16, 2018 by Penny 11 Comments

I contend there’s no better city in the world in the summertime than Chicago. Kanye put it in a song, so it must be true. Though summertime Chi does coincide with construction season (if you’re not familiar, that’s any season that there isn’t still snow on the ground), summer is a pretty magical time here. … [Read more…]

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Posted in: Plan Tagged: 403(b), ecofriendly, environment, goals, green, income, investments, planning, progress, side hustle, summer

Actions Over Words: 2018 Second Quarter Recap

July 2, 2018 by Penny 10 Comments

It’s a funny thing: to write about the meaninglessness of words. On a blog. Using my words. But I stumbled upon a quote that seemed really profound. Essentially, our words are who we’d like to be, but our actions are who we are. I set some lofty goals for the second quarter of this year, … [Read more…]

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Posted in: Plan Tagged: 529, college, consumerism, cups, goals, quarter 2, recap, reflect, retirement, savings, spending, waste

Why I Prefer Extra Income to Emergency Funds

May 21, 2018 by Penny 23 Comments

The calendar invite notification chirped. There it sat in my mailbox. A 9:00 am meeting appointment for three days from now with my boss. No subject. No agenda. No explanation. Despite having just completed my summative evaluation where I earned the highest rankings, I automatically assumed I was about to be fired or transferred or … [Read more…]

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Posted in: Plan, Save Tagged: emergency fund, freelancing, ghostwriting, hustling, job loss, job security, jobs, savings, side hustle, writing

Am I Making Room for My Priorities?

May 14, 2018 by Penny 13 Comments

I’m not sure what it is about time. Some moments, it feels like it’s crawling. Then, all of a sudden, you blink and almost half the year is gone. I started off the year with good intentions. Scratch that. I started with priorities. Rather than worry about where I’m headed or how far I still … [Read more…]

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Posted in: Plan Tagged: decluttering, goals, investing, priorities. Poshmark, Roth IRAs, Roths, selling, Vanguard

6 Things My Son is Helping Me Understand About Minimalism

April 9, 2018 by Penny 16 Comments

To say that I’m not sold on minimalism is an understatement. Maybe it’s not minimalism as a whole that I’m skeptical of. Just the kind that comes with a podcast and a really expensive travel bag for sale. But the idea of decluttering and being more intentional with what is allowed to take up space … [Read more…]

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Posted in: Plan Tagged: baby, declutter, decluttering, gifts, less is more, minimalism, priorities, son, toys

Here’s to Failure: 2018 First Quarter Recap

April 2, 2018 by Penny 23 Comments

There’s perennial talk about the importance of goal setting in personal finance. SMART goals, checklists, apps abound. All of these posts and tools are designed to set people up for success. Looking ahead, though, I am not just interested in success. I’m looking to fail. Here’s why: Looking to Fail There’s real bravery and power … [Read more…]

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Posted in: Plan Tagged: 529, failure, Fitbit, goals, health, interest, mortgage, principal, recap

Wellness Screening Penalty: Putting a Price on Health

March 26, 2018 by Penny 12 Comments

“It looks like an advertisement, but don’t recycle this one.” That was all the email said. After checking my work mailbox, I realized exactly what the sender meant: the piece of paper looked like any other flyer from the wellness screening our work partners with forces us to utilize. But instead of some hoaky seasonal … [Read more…]

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Posted in: Plan Tagged: diet, health, insurance, insurance premiums, money, wellness, wellness screening, wellness screening penalty

Easy Ways to Save Time and Money

March 12, 2018 by Penny 10 Comments

It’s here! The most sleepy day of the year. It isn’t just the day after the start of Daylight Savings Time that makes for a tricky morning, though. In fact, there isn’t a day on the calendar that I don’t feel like I could use a little more time. In that spirit, I thought I … [Read more…]

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Posted in: Plan Tagged: breakfast, Daylight Savings Time, habits, money, planning, saving, single-task, time
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