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Living a More Purposeful Life One Cent at a Time

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Should I Feel Guilty for Accepting Hand-Me-Downs?

April 16, 2018 by Penny 54 Comments

It started with a box of Weebles. A coworker of mine loaded up a small Amazon box with a few dozen pear-shaped plastic creatures. My name was scrawled on the box in permanent marker. At first I thought it was to keep Weeble thieves away. What I realize now, though, was that it was a … [Read more…]

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Posted in: Save Tagged: baby, baby clothes, books, curb alerts, curb finds, garage sales, garbage picking, hand-me-downs, secondhand, toys, used

What is Frugality? No, Really.

April 5, 2018 by Penny 40 Comments

As of late, frugality has come under fire. I should know. I took one of the shots. Recently, though, I have also seen other personal finance writers throw some jabs at frugality. They pulled no punches. A lot of it was ugly, and it was downright incorrect in some instances, which leads me to wonder … [Read more…]

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Posted in: Save Tagged: consumer culture, consumerism, frugal, frugal living, groceries, income, savings, six figures, wealth

Let’s Talk Money, Baby: Fitting Baby into Our Budget

March 19, 2018 by Penny 14 Comments

Kids are expensive. I’m going down swinging. But how expensive they are does have some variability. In fact, when it comes to caring for an infant, we have found that we can fit him into our regular budget. This excludes the cost of childcare, of course. Hence why I’m still swinging. But looking back on … [Read more…]

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Posted in: Save Tagged: baby, baby budget, budget, diapers, food, formula, groceries, infant, spending, wipes

Will A Little Bit Always Matter A Lot?

March 5, 2018 by Penny 29 Comments

Less may be more in a lot of respects, but when it comes to personal finance, more is definitely better. Ideas should be scalable. Why double when you can 10X? In a world so focused on growing gaps, increasing income, and building entrepreneurial empires, it makes sense to focus on more. Still, after reaching some … [Read more…]

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Posted in: Save Tagged: change, fun money, Ibotta, mobile apps, mortgage, pennies, Poshmark, spare change

Finding $500: What to do with Extra Income

February 19, 2018 by Penny 29 Comments

What would you do if you found an extra $500 in your budget? I mean, after you dry your tears of joy and dance around the kitchen (quietly, though, there’s a baby). After my salary was slaughtered this year thanks to an unpaid maternity leave and a bizarrely written contract that landed me with a … [Read more…]

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Posted in: Save Tagged: budget, e-fund, extra income, mortgage, mortgage payoff, raise, saving, savings, spending

Four Lessons from My Mom’s Checkbook

February 9, 2018 by Penny 21 Comments

For as long as I can remember, my mom has carried around a checkbook. While some might interpret it as an indicator of her age or of someone who needs to learn a thing or two about modern money, that checkbook has so much to teach. And not just about how many times you can … [Read more…]

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Posted in: Save Tagged: checkbook, checking, consumers, family, mom, money, money habits, saving

Four Things I Wish I Knew About Financial Progress

February 1, 2018 by Penny 25 Comments

We chat about money. We track our spending. We even make a laughably simple budget every month. (Hello, “Make a Copy” in Google Sheets.) My husband and I have also crushed some major milestones. Some that I’ve celebrated here and others that I haven’t talked about yet. We’ve paid over $80K towards our debt in … [Read more…]

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Posted in: Save Tagged: budget, childcare, compounding, credit score, interest, investing, plans, saving

How We Slayed $30K Worth of Debt in One Year

January 15, 2018 by Penny 24 Comments

Drumroll, please! Alright, alright. I don’t really need a drumroll since the title is one giant spoiler alert. Since you already know that we put over $30,000 towards our debt in 2017, let’s take a look at how two millennial teachers raising a newborn did it.

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Posted in: Save Tagged: 15-year, 30-year, debt, mortgage, mortgage calculator, mortgage payment

Ways I’m Giving Gifts Without Going Broke

December 11, 2017 by Penny 10 Comments

I am 100% average. When it comes to the average American, he or she spends $906 a year on Christmas. If my Google Sheet lieth not, I’m about to be able to say samesies. You read that right. I’m a personal finance blogger. Who practices frugality. And mindful spending. And toys around with minimalism. And … [Read more…]

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Posted in: Save, Spend Tagged: birthday, Black Friday, Christmas, gift giving, gifts, Ibotta, presents, spending, wedding

I’m Frugal…Now What?

October 23, 2017 by Penny 23 Comments

Repeat after me: frugality is not a destination. Setting up a budget, tracking spending, and reducing expenses are all essential parts of understanding money. But mastering a $200 grocery budget or figuring out how to address all the awkward encounters after your cheap semi-annual haircut is not the end. Rather, it’s the means to an … [Read more…]

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Posted in: Save Tagged: freedom, frugal, frugal living, frugality, money, retirement, time
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