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Living a More Purposeful Life One Cent at a Time

When You Can’t Always Earn More

August 20, 2018 by Penny 29 Comments

There’s a dirty little lie in the personal finance world. Fine. It’s not a lie. But it’s not the universal truth that it’s held up to be either. “You can always make more money.” Can you really? Can I?

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Posted in: Plan Tagged: $200 groceries, budget, cut, earn, earning potential, grocery budget, raise, save, spend

Better Than Free

August 15, 2018 by Penny 24 Comments

Free. It’s a powerful word. Magical, really. Out of all the four letter words, this one really stops people in their tracks. People clamor into stores en masse, wading through a sea of people only to endure time-halting lines. And free is good. In a world that often has complete disregard for their bottom line, … [Read more…]

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Posted in: Declutter Tagged: curb alert, declutter, free, frugal, frugality, garbage picking, minimalism

Three Years of Blogging Started with a Bluehost Link

August 13, 2018 by Penny 54 Comments

Three years ago, I became a line item in someone’s income report. OK, fine. I wasn’t a whole line. But I certainly contributed to their affiliate income for the month when I launched this blog with Bluehost. I was promised that blogging was a way to make money on the side. Or full time. Luckily, … [Read more…]

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Posted in: Celebrate Tagged: anniversary, blogger, blogging, Bluehost, freelancing, growth, online income, personal growth, progress, reflections, writer, writing

Celebrating Your Money Wins – Volume 7

August 10, 2018 by Penny 17 Comments

How much money will I have to make before I stop getting excited about free food at work? Alright, friends, I must confess. This is a trick question. I don’t think the dollar amount exists. My money win for the week is actually a look ahead. Teachers are scavengers. Truly. If you think the kids … [Read more…]

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Posted in: Celebrate Tagged: celebrate, consumer debt, credit card debt, debt, debt payoff, groceries, grocery budget, money wins, mortgage, mortgage payment, windfall, wins

How I Know I’m Not Done Decluttering

August 8, 2018 by Penny 27 Comments

I need to keep decluttering. How do I know? There are obvious signs. A “Future Linebacker” Bears football jersey ornament has been hanging on the handle of my desk since last Christmas. (Why?) My husband thinks it’s easier to park in the driveway than on his side of the garage. (He is officially now one … [Read more…]

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Posted in: Declutter Tagged: clutter, desk, Freecycle, home ownership, house, minimalism, OfferUp, reselling, selling

My Favorite Free or Frugal Summer Activities

August 6, 2018 by Penny 16 Comments

“What did you do this summer?” It’s hard to not look at that like a loaded question. And I’m not talking about all the people who seem to want me to prove that I wasn’t just lounging around eating bonbons with my fellow teachers. The truth is that I’ve always struggled with answering this question. … [Read more…]

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Posted in: Explore Tagged: forest preserves, free, free kids activities, frugal, hikes, libraries, parks, summer, summer activities, toddler

Celebrating Your Money Wins – Volume 6

August 3, 2018 by Penny 6 Comments

It’s Friday! And it’s the first Friday of the month. A long month. If you’re like me, that means there is an automatic money win built into this magical month. (If you’re retired, well, that’s a whole different money win, isn’t it?) It’s a three-paycheck month for me! Woohoo! With back-to-school time just around the … [Read more…]

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Posted in: Celebrate Tagged: car loans, car payments, cars, celebrate, charitable giving, charity, donations, giving, money, money wins, new cars, used cars, yoga

Why Freecycle is a Decluttering Dream Come True

August 1, 2018 by Penny 15 Comments

How much clutter do you have in your house? Be honest. It’s hard to say, isn’t it? Unless you are one of those outstanding individuals who lives with 13, 37, or 42 things. Then, I’m going to do the math for you. Zero. The answer is zero. You have no clutter. But if you are … [Read more…]

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Posted in: Declutter Tagged: clothes, clutter, consumerism, decluttering, donations, Freecycle, gifts, Goodwill, minimalism, stuff, wedding

When You Can’t Do A Lot, Do A Little

July 30, 2018 by Penny 42 Comments

“Maybe we should just give up.” A blank stare greeted me. “OK. Not give up, but we could just push a really big pause button for the next five or ten years.” I got no reaction. Instead, silence hung in the air. Finally, something. “If that’s what you want. But I know that’s not what … [Read more…]

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Posted in: Invest, Plan Tagged: 403(b), debt, FSTVX, investing, mortgage, mortgage payment, mortgage payoff, progress, retirement, retirement account

Celebrating Your Money Wins – Volume 5

July 27, 2018 by Penny 5 Comments

You know the best wins come on the heels of a loss. And that’s exactly how I’m feeling about my money win this week. In other words, boy, did I make a money booboo. I bought something at Kohl’s and I went to pay my bill online right away. Because that’s what I do at … [Read more…]

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Posted in: Celebrate Tagged: celebrate, cell phones, debt, DIY, home repair, homeowners, landscaping, marriage, middle class, money wins, phones, savings, wedding
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