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Living a More Purposeful Life One Cent at a Time

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E-Funds & Anchors: The Cheapest $600 Ever Spent

January 15, 2016 by Penny 19 Comments

This week, we paid off Mr. P’s car loan. Approximately 56 minutes after clicking “submit” on the payment, our furnace started squawking. I had a morning appointment to keep, but Mr. P promised to stand at the ready in the basement. I’m not entirely sure what that entailed, but I like to imagine him with … [Read more…]

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Posted in: Save, Spend, Stay Tagged: anchor, budgeting, e-fund, emergency fund, expenses, home, home ownership, home repairs, HVAC, planning

Actually…We Paid Off $24K in Debt Last Year

January 13, 2016 by Penny 18 Comments

It’s not good to keep secrets in the blogging world. I know that. And it’s not so much a secret, so much as it isn’t really my story to tell. But we have more debt than I’ve previously mentioned. Well, had. More precisely, Mr. P had more debt. I wrote a post about how we … [Read more…]

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Posted in: Save Tagged: car, car loan, debt, financial independence, financing, mortgage

We Paid Off $18,000 Worth of Debt This Year

December 14, 2015 by Penny 16 Comments

It’s official. By the year’s end, we will have paid off $18,000 worth of debt. Instead of ordering ourselves a bunch of pink plastic flamingos for the yard or sending ourselves a delicious Edible Arrangement, though, we aren’t celebrating this milestone. The reason? We paid off a lot of debt. But we had no other … [Read more…]

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Posted in: Save Tagged: celebrate, debt, extra, goals, loans, mortgage, payment, side hustle, student loans, tuition

How I Fell into Six Figures of Debt Without Noticing

November 12, 2015 by Penny 30 Comments

This blog post is dedicated to that four-letter word that will make any finance blogger blush, twitch, foam at the mouth even: Debt. We have it. We have lots of it. To be precise, Mr. P and I have six figures worth of debt, and the first digit wasn’t even a 1 until this past … [Read more…]

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Posted in: Save, Spend, Wonder Tagged: bad debt, consumerism, debt, financial literacy, good debt, house, housing, loans, mortgage, society

The Perspective of Percentages

November 11, 2015 by Penny 19 Comments

Once I finished my victory lap around the kitchen table to celebrate lower our car insurance premiums, I dashed over to dutifully input the new numbers into our budget spreadsheet* with a smug smile scrawled across my face. I had spent the better part of two weeks soliciting quotes via phone, email, and carrier pigeon. … [Read more…]

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Posted in: Plan, Save Tagged: budget, insurance, savings

Four Tips to Make the Slow Switch to Better Eating

September 8, 2015 by Penny 22 Comments

Are you wanting to incorporate more organic or natural foods into your diet but you’re not sure where to start? Have you decided to try to cut back on the amount of processed foods you eat but you don’t want to sacrifice your budget? Then it sounds like you are ready to make the slow … [Read more…]

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Posted in: Save Tagged: $200, budget, eating, grocery, habits, healthy, organic, switch
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