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Living a More Purposeful Life One Cent at a Time

Spend

A Look at our Biggest Mortgage Payment to Date

December 4, 2017 by Penny 19 Comments

There are two camps in personal finance: those who pay their mortgages early and those who don’t. We are in the first camp. Rather, we were. When we found out I was expecting, we took the interwebs’ advice and stopped making extra payments toward our mortgage, funneling the money into a Baby Fund instead. Now … [Read more…]

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Posted in: Spend Tagged: debt, debt free, debt payoff, goals, homeowner, house, mortgage, payment, prepayment, savings

Let’s Talk Money, Baby: Weekly Infant Costs

October 16, 2017 by Penny 14 Comments
Weekly Infant Costs

When we were preparing to be parents, there were lots of questions floating around our minds. Who would the baby look like? What’s the difference between a bouncer and a jumper? Why on God’s green earth did anyone think it was a good idea to tell a pregnant lady the approximate size of the “fruit” … [Read more…]

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Posted in: Spend Tagged: baby, baby money, budget, diapers, expense, infant, weekly spending, wipes

When Spending Big is a Frugal Win

October 4, 2017 by Penny 34 Comments

I felt like a fraud. Here I am writing about spending $7 a month on breakfast and paying down over $50,000 in debt in two years, and all of a sudden, I’m playing eeny meeny miny moe on my Instagram story with two pairs of $99 Michael Kors flats. (Confession: I ordered four. I’m only … [Read more…]

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Posted in: Spend Tagged: cheap, frugal, frugality, Michael Kors, quality, shoes, shopping

Frugally Awesome…or Awkward: Baby Items Edition

September 20, 2017 by Penny 7 Comments

Now that I’ve been a mom for two months, I know precisely two things: when it comes to kids, there are lots of opportunities to spend money and there are lots of opportunities to embarrass yourself. Take, for instance, the weekend I stood up in a wedding. I met the other bridesmaids at the nail … [Read more…]

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Posted in: Spend Tagged: awkward, baby, cheap, diapers, frugal, frugal fail, newborn, saving

Maternity Leave Money Diary – Week 1

September 6, 2017 by Penny 15 Comments

The age old debate: kids are expensive…or are they? To commemorate my unpaid leave, I thought I would offer an unedited look at my checkbook register. Just kidding, I stopped balancing my checkbook in 2009 two years ago. If this first week looks a little light on the spending, it’s because it was my first … [Read more…]

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Posted in: Spend Tagged: baby, budget, maternity leave, money diary, spending

My Money Truths & Two Years of Blogging

August 14, 2017 by Penny 37 Comments

I talk a lot about money. In fact, I’ve written about it 262 times over the past two years. While I’ve learned a lot, I’m no money expert. I’m also not an expert blogger, so you won’t see anything in this anniversary post related to blogging income (spoiler: it’s in the negatives) or vanity metrics … [Read more…]

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Posted in: Save, Spend Tagged: blogging, car, debt, income, job, mortgage, salary, side hustle

The You-Can-Afford-It Spending Trap

August 7, 2017 by Penny 25 Comments

Something strange has happened. Somewhere along the way, Mr. P and I have turned into adults. Real adults. It’s not just because we’re up to our eyeballs in dirty diapers. Nor is it because we shackled ourselves to the bank are proud homeowners. It’s because we have what our family and friends have deemed “good … [Read more…]

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Posted in: Spend Tagged: baby, budget, consumerism, excess, maternity leave, spending

Do You Use Deals or Do They Use You?

July 24, 2017 by Penny 24 Comments

Maybe you’re an extreme couponer. Maybe you’re an extremely stupid couponer (It takes one to know one. I know, I know.). Or maybe you take a more laid back approach, only occasionally using mobile apps or perusing weekly ads. In a lot of circles, it’s the first piece of financial advice you’re given. Shop the … [Read more…]

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Posted in: Spend Tagged: cash back, coupons, deals, discounts, Ibotta, mobile apps, rebates, smart shopping

Money Mind Games: Is $100 Always $100?

July 5, 2017 by Penny 18 Comments

Would you like to be $100 richer? It’s a no brainer. If you stroll down the sidewalk and lock eyes with Ben Franklin, chances are, you’re feeling pretty good about the walk you took. But is $100 always $100?

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Posted in: Spend Tagged: $100, loss, money, psychology, savings

What My Pregnancy Cost So Far: Part 1

June 26, 2017 by Penny 18 Comments

Being pregnant can be pricey. But how expensive are we talking? It’s something I wondered often when we first found out we were expecting, so I decided to keep a running tally of what we were spending, both on ourselves (OK, mostly me, but I’m the one doing the heavy lifting whose pants don’t fit) and … [Read more…]

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Posted in: Spend Tagged: baby, budget, maternity clothes, pregnancy, spending
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