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Living a More Purposeful Life One Cent at a Time

To Anyone Who Wonders If Their Giving Matters

June 3, 2019 by Penny 31 Comments

Over the past year, I received two remarkable gestures from two Internet heroes. While I’ve certainly thought about their actions, I haven’t quite been able to find the words to tell the stories. I’m still not sure I have those words. But I want to share their gestures now for two reasons. I want to … [Read more…]

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Posted in: Wonder Tagged: breakfast program, charity, friends, giving, kindness, random acts of kindness, success, support, support system, teaching, testing

My Plan to Spend a Little Less This Summer

May 29, 2019 by Penny 7 Comments

My default setting is programmed to shop. It’s truly an instinct and impulse. I spend a lot of time guarding against it, but I want to acknowledge something very important. Critical even. I. Buy. Things. It doesn’t get said enough. Not like that anyway. No, I don’t mean the excessive line spacing, either. Whenever people … [Read more…]

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Posted in: Spend Tagged: children, clothes, expenses, expensive, frugal, frugal fun, kids, parks, saving, spending, summer, summer fun, toys

The Purpose of Frugality: Find Your Why

May 22, 2019 by Penny 7 Comments
Why Would Someone Want to Be Frugal

“But what’s the point of not really buying anything all the time if we don’t do this?” A comment my husband made while we were mapping out our summer plans stopped me in my tracks. Once again, I forgot the why of frugality. We were knee deep in the middle of ideas–literally. Our dining room … [Read more…]

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Posted in: Save Tagged: 529, budget, child, friends, frugal, frugality, fun, kids, priorities, purpose, savings, travel, values

Summer Money Moves That I Plan to Make

May 20, 2019 by Penny 7 Comments

You’re probably thinking you’re reading about the money moves that I’m planning to make this summer because I’ve gotten so good at goal setting and consistent check-ins. Or maybe you’re thinking it’s because I’m so pumped about finding ways to simplify my finances while boosting my income and living more purposefully. Or maybe you know … [Read more…]

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Posted in: Plan Tagged: 529, apps, declutter, finances, invest, no spend, roth, spending, summer, tracking

When It’s Time to Choose Time Over Money

May 15, 2019 by Penny 31 Comments
Choosing Time Over Money

You can always make more money, but what you can’t get more of is time. This statement is both profoundly true everywhere and logistically false in education. The idea that any teacher can simply work hard to earn more income shows little understanding of a profession that is governed by salary schedules, lane changes, and … [Read more…]

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Posted in: Wonder Tagged: budget, education, family, income, priorities, scaling back, stipends, teaching, time

Celebrating Your Money Wins – Volume 17

May 13, 2019 by Penny Leave a Comment
Celebraing Money Wins Volume 17

Drum roll, please. We…did not pay off our mortgage. But you already knew that for two reasons. My Twitter feed hasn’t been nonstop GIFs and this blog post is coherent (at least somewhat). I solemnly swear that the day we pay off our mortgage there will be so much celebrating in real life and online … [Read more…]

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Posted in: Celebrate Tagged: cars, celebrate, debt free, debt pay off, DSW, money wins, new cars, shoe recycing, shoes, student loans, used cars

When Should I Pay Off My Mortgage?

May 8, 2019 by Penny 34 Comments
When Should I Pay Off My Mortgage?

There’s no such thing as stupid questions. But I’m pretty sure I’m about to ask one. When should I pay off my mortgage? We’ve been homeowners for a while now. In fact, we were just awkwardly introducing ourselves to new neighbors down the street (I later found part of a stick in my hair, don’t … [Read more…]

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Posted in: Wonder Tagged: debt, early payments, extra payments, mortgage, mortgage debt, mortgage payments, mortgage payoff, mortgage recast, recast, refi, refinance

Celebrating Your Money Wins – Volume 16

May 6, 2019 by Penny 5 Comments
Celebrating Your Money Wins 15

Not every money win has to a huge one to matter. Last month, I focused a sizable win. We have enough in savings to wipe out our mortgage. That’s H-U-G-E. But this month? I’m actually equally excited by something that only adds up to maybe $20 or $30 a month. I am officially Diet Coke … [Read more…]

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Posted in: Celebrate Tagged: budgeting, budgets, FI, financial independence, income, investing, investments, rental

I’m Not a Minimalist…Am I?

May 1, 2019 by Penny 6 Comments
I'm Not a Minimalist Am I Podcast

A rose by any other name would still smell as sweet. A minimalist by any other name would still have less stuff. Right? I try to not get caught up in labels on this blog. In fact, it’s probably one of the many fundamental flaws in my overall blogging strategy. It flies in the face … [Read more…]

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Posted in: Declutter Tagged: clutter, consumerism, decluttering, minimalism, podcast, Tiny Bites

What I Decluttered & How I Know I’m Not Done: April 2019

April 29, 2019 by Penny 7 Comments
Why I Declutter in Stages April 2019

I am not done decluttering. I may never be. I am most assuredly not a decluttering expert. But I do know this about decluttering: it happens in waves. And we don’t talk about that nearly enough. It’s almost impossible for me–and I suspect for most people–to declutter an entire home in one fell swoop. Whatever criteria … [Read more…]

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Posted in: Declutter Tagged: books, car seats, clutter, Earth Day, minimalism, Target
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