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Living a More Purposeful Life One Cent at a Time

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

Teacher Talk: The Graduate Degree Gamble

August 9, 2017 by Penny 8 Comments

With so much conversation about the student loan crisis and speculation about the necessity–or lack thereof–of bachelor’s degrees, it makes sense to be skeptical about pursuing graduate work. Unless you are an educator. Then, at some point in your career, you will most certainly find yourself signing up for more school. But how much of … [Read more…]

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Posted in: Make Tagged: educator, grad work, graduate degree, graduate school, income, raise, salary, salary schedule, teacher, teaching

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

Sometimes You Need to Ignore Everyone

August 2, 2017 by Penny 27 Comments

There’s no shortage of people doling out advice on the interwebs. In fact, there’s no shortage of advice on this very blog. While I’m long been a proponent of the fact that there’s nothing one-size-fits-all about personal finance, this is the first time I’m going to say something so explicitly. I hope you ignore me—and … [Read more…]

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Posted in: Wonder Tagged: advice, debt, mortgage, passion, side hustle

Summer Money: Why I Put $1 on All My Credit Cards

July 31, 2017 by Penny 27 Comments

It’s goal time. July came and went even faster than June. That’s the curse of summer, I suppose. While I definitely front loaded the month as much as possible, I’m pleased to say that we finished in good shape, too. In fact, I met most of the goals that I set, even if one goal … [Read more…]

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Posted in: Plan Tagged: credit cards, credit score, decluttering, freelance, freelancing, goals, savings, summer

Penny Found: A Planning Ahead Roundup

July 26, 2017 by Penny 6 Comments

There’s nothing quite as unsettling as being caught off guard when it comes to money. While you don’t want to treat every day like the sky is falling (Hi, my name is Penny, and that’s exactly how I used to watch my Vanguard account), you also don’t want to bury your head in the sand. … [Read more…]

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Posted in: Guest Posts Tagged: budget, e-fund, emergency fund, future, insurance, living trust, spending, vacation, will

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

Penny Found: A Money Matters Roundup

July 19, 2017 by Penny 7 Comments

See a penny, pick it up, and all the day you’ll have good luck. That’s kind of what this roundup is. While it may not make you any luckier than you already are, it will definitely make you wiser when it comes to all things money. These are some of my favorite posts from some … [Read more…]

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Posted in: Guest Posts Tagged: blogging, FinTech, investing, mutual funds, saving

Penny Found: A Decluttering & Selling Roundup

July 12, 2017 by Penny 19 Comments

It’s no secret that I have too much stuff. Though, since I last posted, I have parted with a considerable about of clutter. Coupons and discount cards from months ago? Gone. A $1 winning lotto scratch off ticket from Christmas? Cashed in. Dozens of books? Listed for sale or donated. My progress is more slow … [Read more…]

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Posted in: Guest Posts Tagged: declutter, donations, gifts, minimalism, roundup, selling, sentimental, Swappa

A Six-Figure Celebration and Shrug

July 10, 2017 by Penny 41 Comments

Our savings account balances just crested six figures. Six figures! I could buy a whole bunch of Jimmy Choos or even a Tesla. We won’t do that, of course. Instead, we’ll celebrate and shrug with our favorite virtual family (that’s you guys). Because if we’re talking about savings, we’ve got to be honest: it can … [Read more…]

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Posted in: Save Tagged: baby fund, e-fund, emergency fund, homeowner, savings, six figures
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