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Living a More Purposeful Life One Cent at a Time

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Four More Things I Can’t Believe People Buy

April 20, 2016 by Penny 29 Comments

No, this list isn’t an attack on expensive wines, an admonishment of carry-out lunches, or a dismissal of brand-name products in favor of store brands. Nor is it an opportunity to remind you that Amazon sells a banana slicer. Okay, it’s kind of that. Instead, this is a list of four things that have come … [Read more…]

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Posted in: Uncategorized Tagged: guilty pleasure, spending, splurge, use, waste

What I Do Have, Not Could Have

April 18, 2016 by Penny 34 Comments

Sometimes, I wonder if I was happier before I fell into the world of personal finance. My life is more fulfilled now. My priorities are more concrete. But there is something to be said about blissful ignorance. Yes, it’s ephemeral. It was only a matter of time before that bliss came crashing down quite literally. … [Read more…]

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Posted in: Uncategorized Tagged: appreciation, comparison, mindset, perspective, purpose, thankful

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

Frugally Awesome…or Awkward: Part 2

April 8, 2016 by Penny 27 Comments

In the last installment of this series, I confessed to being a supremely awkward being. I wasn’t lying. Just when I thought I couldn’t embarrass myself any more in front of my bosses, I had my evaluation meeting. Halfway through the meeting, one of the beads on my necklace cannonballed down my shirt. Thankfully, we … [Read more…]

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Posted in: Uncategorized Tagged: awkward, creative, embarassing, frugal, funny, saving, school, work

Goals are Good: I Should Set Some

March 30, 2016 by Penny 19 Comments

I thought I had goals. But it turns out, I have mostly hopes and dreams when it comes to personal finance. Paying off our mortgage in the next 10 years isn’t a good goal. Staying out of debt isn’t a good goal. Increasing my net worth isn’t a good goal. They’re undoubtedly important aspirations, but … [Read more…]

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Posted in: Uncategorized Tagged: debt, goal setting, investing, IRA, mortgage, progress, SMART

I Don’t Value That Right Now

March 23, 2016 by Penny 13 Comments

We all have twenty-four hours in a day. Some of us have the resources and wherewithal to leverage that time more effectively than others. While we may not all be on equal footing in that regard, we all make choices about how we spend our time. For too long, I viewed my days as an … [Read more…]

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Posted in: Uncategorized Tagged: habit, mindful, parents, purpose, routine, to do, values

“You Don’t Know What It’s Like to be Poor”

March 16, 2016 by Penny 14 Comments

Last week, it was the Democratic sound bite heard round the Internet – or at least, my private Facebook feed: “When you’re white, you don’t know what it’s like to be living in a ghetto. You don’t know what it’s like to be poor.” Bernie Sanders’ comment on institutional racism and systemic poverty eviscerated the … [Read more…]

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Posted in: Uncategorized Tagged: class, education, influence, lessons, Martin Luther King, money, privilege, teacher

Un-Learning Perfect: A Quest for Courage

March 14, 2016 by Penny 14 Comments

Given the choice between perfection and courage, choose courage. Perfection is easy because there is often a measure of safety involved. There’s no great unknown, no proverbial leap. No net needed. As someone who has strived for perfection for nearly three decades, I haven’t only mastered the art of playing it safe, I’ve relied upon … [Read more…]

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Posted in: Uncategorized Tagged: bravery, change, courage, fear, grades, investing, learning, unknown

No, The IRS Isn’t Actually Calling

March 4, 2016 by Penny 6 Comments

In the middle of the week, I received the most exciting–and irritating–voicemail ever. Well, maybe not ever, but I can’t really remember all the way back to my middle school crank phone call days*. After thirty-six seconds, a tinny voice disconnected, and I realized that I had finally heard my first IRS scam. That’s right, … [Read more…]

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Posted in: Uncategorized Tagged: education, financial literacy, IRS, phone call, scam, tax season, taxes

Our Current Giving Practices and Goals

March 2, 2016 by Penny 14 Comments

Earlier in the week, I penned a call to giving. Of course, volunteering time and talent makes a difference. I’d like to think that Mr. P and I both know that well from firsthand experience. But charitable giving matters just as much–maybe, in some ways, even more. As a result, Mr. P and I work … [Read more…]

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Posted in: Uncategorized Tagged: charity, donations, giving, help, kindness
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