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Living a More Purposeful Life One Cent at a Time

Savings

A Bad Case of Saver’s Remorse

July 27, 2016 by Penny 36 Comments

Buyer’s remorse: A feeling of deep regret when you realize you don’t actually want or need or even like your purchase. As irritating as buyer’s remorse can be, in many situations, there’s a return policy for that. But what about saver’s remorse? Is it possible to actually save money in such a way that you … [Read more…]

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Posted in: Explore, Savings Tagged: budget, impulse, saving, spending, splurge, travel, vacation

5 Money Lessons from Dad

June 17, 2016 by Penny 10 Comments

My dad’s been teaching me lessons my whole life. Whether it was showing me how to dry the floor with a towel underfoot only to be busted by Mom or helping me build a sarcophagus to scale for a history project, my dad’s wisdom knows no bounds. And with Father’s Day fast approaching, I thought … [Read more…]

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Posted in: Savings Tagged: dad, DIY, minimalism, quality, savings

Is Not Spending the Same as Saving?

April 11, 2016 by Penny 12 Comments

In our budget, we currently set aside between 42%-48% of our after-tax income. It is also worth pointing out that 10% of both our salaries is taken out pre-tax and put into our pension funds. So on the surface, it looks like were are living on a fairly small portion of our income.  But just … [Read more…]

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Posted in: Savings, Uncategorized Tagged: debt, graduate degree, investments, mortgage

Stop Asking Everyone to Buy Things

April 6, 2016 by Penny 32 Comments

This past month, I have learned to say no. I know, I know. Clap a little louder so I can hear you while I take a bow. In the past thirty days, I successfully turned down three in-person Stella & Dot parties; five virtual parties of assorted sundries like lotions, bags, makeup, and diet pills … [Read more…]

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Posted in: Savings Tagged: needs, parties, priorities, saving, spending, Stella & Dot, values, wants

Sometimes It’s OK to Spend

April 4, 2016 by Penny 18 Comments

I left the house. I ran errands and dropped off a month’s worth of donations for the food pantry. I hiked the trails around the lake. I walked my neighborhood and nearby neighborhoods. During the string of three sunny, non-snowy days, I logged almost twenty miles. I spent a lovely Easter catching up with both … [Read more…]

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Posted in: Savings Tagged: cash back, date night, Ibotta, rebate, spending, splurge

Advice Needed: Savings Accounts…and Stealing?

March 25, 2016 by Penny 26 Comments

Sometimes I think I should turn in my personal finance blogging card. This past week, I’ve been confronted with two different money dilemmas that have me stumped: emergency funds and found money. I understand the basic principles of both. Emergency funds are one of the most talked about topics in personal finance. And na-na na-na … [Read more…]

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Posted in: Savings Tagged: advice, e-fund, emergency fund, found money, gift card, input, pennies, savings

A Lesson in Latte Factors, or Reaching Teacher Nirvana

February 18, 2016 by Penny 20 Comments

Latte factor: the total cost of your regular, nonessential spending to show how much you could be saving each year. “Look at all that money!” A student gasped, staring at her calculator in disbelief. Sure enough, that burst of excitement flagged the attention of several other students. “Money?” “What money?” “Whose money?” “Where did it … [Read more…]

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Posted in: Savings Tagged: kids, latte effect, latte factor, middle school, saving, spending, teenagers, teens

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