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Living a More Purposeful Life One Cent at a Time

The Sacredness of Sick Days

May 31, 2017 by Penny 44 Comments

It’s no secret that Americans are absolutely awful about using vacation time. We’re afraid of being passed over for an assignment, perceived as being lazy, or addicted to the title of busy. There are, in fact, myriad reasons why we don’t use our vacation time. While I most certainly will be taking full advantage of … [Read more…]

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Posted in: Plan Tagged: education, health, pension, sick bank. teaching, sick days, wellness

Do Men Send Emails Like This?

May 24, 2017 by Penny 26 Comments

I can’t claim to speak for all women. Or any men, really. But I do think I stumbled across two really curious emails that might speak to gender, work, and money. In you case wondered, I did run this theory past Mr. P, so basically, it’s peer reviewed and destined for scholarly publication. Oh. That’s … [Read more…]

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Posted in: Wonder Tagged: boss, bossy, emails. workplace, gender, gender gap, girl boss, work emails

Losing My Breadwinner Status

May 22, 2017 by Penny 31 Comments

For as long as I’ve known Mr. P, I’ve outearned him. When we first started dating, the income gap was significant. Namely because I was pulling in nearly $40,000 as a teacher, and he was back in school finishing up his degree. Since he landed his first job out of undergrad, he has been playing … [Read more…]

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Posted in: Plan Tagged: breadwinner, FLMA, income, maternity leave, salary

The Problem with Avocado Toast

May 17, 2017 by Penny 42 Comments

To borrow a line from Clueless, I’m about to turn traitor on my generation for a second. Avocado toast is a problem. It’s certainly not holding back an entire generation from homeownership. There’s bloating housing markets, student loans, and myriad other factors doing that. But I’m not willing to let this breakfast item du jour … [Read more…]

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Posted in: Wonder Tagged: avocado toast, consumer culture, consumerism, Instagram, intentional spending, lattes, saving, spending, trends

In Defense of Made-Up Holidays

May 15, 2017 by Penny 22 Comments

It started weeks ago like any other conversation about holidays. “You don’t need to get me anything,” I said. Knowing full well that Mr. P would never listen, I followed up with a gentle reminder that Dollar Tree sells lovely cards. Valentine’s Day. Mother’s Day. Sweetest Day. They all follow the same cookie-cutter pattern. And … [Read more…]

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Posted in: Spend Tagged: cards, gifts, holidays, Mother's Day, National Retail Federation, spending

10 Smart Money Moves for Spring

May 8, 2017 by Penny 20 Comments

Now that it’s finally really springtime in Chicagoland (I think), it’s time to make some smart seasonal money moves. Here’s what we did this weekend to help us gear up for sunny days outside and rainy days financially. Planted strategically. Zucchini, cucumber, and wax bean seedlings all joined the onions, radishes, carrots, and lettuce that … [Read more…]

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Posted in: Plan Tagged: compost, decluttering, garden, gardening, income streams, Poshmark, selling, side hustle

Forgetting About Frugality

May 3, 2017 by Penny 33 Comments

I gave it my best shot. I really did. But if being pregnant has taught me anything, it’s this: there’s a time and place for frugality. And the time isn’t always and the place isn’t everywhere. What a thing to say just two days after I condemned the side hustle. It is almost as if … [Read more…]

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Posted in: Spend Tagged: clothes, free, frugal, frugality, Half Penny, maternity, pregnancy, secondhand

The Stupidity of the Side Hustle

May 1, 2017 by Penny 84 Comments

Read virtually any get out of debt success story, and you’re pretty much guaranteed to see two words: side hustle. Want proof? Take a look at ours. It has side hustle written all over it. For as long as I’ve been blogging, I’ve had a lotta-love, little-hate relationship with side hustling. Because my primary side … [Read more…]

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Posted in: Make Tagged: affiliate links, budget, effort, extra income, MLM, passion project, saving, side hustle, spending, time, truths

National Boards: The Money Behind Being Better at Teaching

April 26, 2017 by Penny 7 Comments

Teaching: it’s one of the most celebrated and most maligned professions around. Some days, we work too hard for far too little. Other days, we are glorified babysitters getting away with highway robbery. Whatever your opinions are on education, I’m not here to sway you. What I thought I’d do instead is give you a … [Read more…]

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Posted in: Make Tagged: career, education, graduate school, money, National Board for Professional Teaching Standards, National Boards, raise, salary, salary schedule, self-improvement, teaching, work

“Kids Don’t Have to Be Expensive”: A Savings Update

April 24, 2017 by Penny 30 Comments

Since I announced Half Penny’s impending arrival, I’ve heard two questions asked with equal gusto: “What do you mean your maternity leave isn’t paid?” and “You know kids don’t have to be expensive, right?”. And the best part is that sometimes the same person will ask both of those questions. Let me break this down … [Read more…]

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Posted in: Plan Tagged: baby, bills, expenses, Half Penny, mortgage, planning, savings, side hustle
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