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Living a More Purposeful Life One Cent at a Time

Life Insurance & the Legacy I Don’t Want

October 27, 2016 by Penny 16 Comments

There are many things I like to think my husband will remember me for. My willingness to edit his grad school papers, only occasionally teasing him about his grammar. My attempt to always have dinner made before he gets home, even if it means accidentally baking a magnetic bag clip that one time I was in … [Read more…]

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Posted in: Uncategorized Tagged: benefits, confidence, death, fear, goals, ignorance, insurance, life insurance, open enrollment, Select Quote, sponsored

Mixed Up Meals: What Millennials Eat

October 26, 2016 by Penny 19 Comments

We’re known as the generation that photographs our food. There’s #instayum, there’s #foodspotting, and there’s the overly clever #yummmm. Thanks to us, brunch is chic, and if you want rosé all day, no one will stop you. What do millennials eat? Do we live out these hashtags in real life or is this a social media … [Read more…]

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Posted in: Plan, Save, Spend Tagged: Blue Apron, eating, food, millennial, millennials, millennials eat, subscription box

My Biggest Money Mistake

October 24, 2016 by Penny 58 Comments

I’ve made more money mistakes than I can count. There were $700 wedding shoes and a $26,000 new car. Then, there was the actual wedding that I still haven’t blogged about because I don’t even know what it cost. A lot. It cost a lot. But these mistakes actually don’t bother me. In fact, unlike … [Read more…]

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Posted in: Uncategorized Tagged: 403(b), benefits, HDHP, HSA, information, investing, mistake, money, money mistake, PPO, roth

Optimize Your Life: Best Money Spent

October 21, 2016 by Penny 21 Comments

Last month, I thought long and hard about my best money spent. Because what’s life without chocolate? And it turns out relationships matter, too. While much of the conversations in personal finance focus on not spending, I figured it was time to shake things up. Matt from Optimize Your Life is here to help. Curious what … [Read more…]

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Posted in: Guest Posts, Spending Tagged: best money, best money spent, budget, concert, fitness, health, hockey, music, saving, spending, sports

To Everyone Who Hates on New Cars

October 19, 2016 by Penny 89 Comments

Alright, personal finance blogosphere. Enough with the haterade for new cars. Are they depreciating assets? Yes. Is interest bad? Yes. Is financing a car the worst thing someone could do financially? Not necessarily. In fact, as someone who financed a $27,000 car several years back, I wouldn’t change a thing. Except maybe I would have … [Read more…]

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Posted in: Spend, Wonder Tagged: adulting, car, car loan, debt, decisions, financing, loan, negotiating, new car, shopping, used car

Is $100 a Big Deal?

October 17, 2016 by Penny 77 Comments

Tim Ferriss. He’s out of touch. If you somehow missed it, there was this one time when he spitballed the fact that people have $5000 in disposable income to spend each month on his podcast. No, dude, they don’t. But he’s not the only person who might be out of touch with money. Last week, … [Read more…]

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Posted in: Save, Spend, Wonder Tagged: 50/20/30, budget, coffee, fun money, goals, latte, latte factor, spending, Tim Ferriss

Millennial Money Chatter: Money Sense for Us

October 12, 2016 by Penny 26 Comments

You know FOMO and YOLO and adulting. You’re probably familiar with regifting. But what about degifting and frugle and debth? It turns out, that as we sort through our money, millennials are creating new language right along side of it. Why the need for the new vocabulary? Our generation is looking at money differently. Sometimes … [Read more…]

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Posted in: Spend, Wonder Tagged: adult, adulting, conversation, debt, generation, gifts, millennial, minimalism, money, pressure, research, stress, student loan

Trying to Travel Hack

October 10, 2016 by Penny 44 Comments

I’ve decided to travel hack. So that automatically means I’m an expert, right? Actually, I thought it would be really helpful to chronicle my toe dip into these waters. Because, if you’re not a travel hacker and you’re anything like me, you’re both excited and overwhelmed by the prospect of free travel. Don’t get me … [Read more…]

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Posted in: Explore Tagged: budget, Chase, Chase Sapphire, free, miles, points, saving, spending, travel hacking, vacation

Frugally Stupid: Graduation Celebration

October 5, 2016 by Penny 26 Comments

I’ve done a lot of foolish things for the sake of frugality. That one time I kept using hair product after I lopped off 7 inches of hair. It didn’t make my hair look better. In fact, it looked sticky and frizzy and ugh. But I didn’t want to be wasteful. Then, there was that … [Read more…]

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Posted in: Uncategorized Tagged: bills, goals, grad school, graduation, husband, master's degree, party, payment, priorities, tuition

A Look at Our Mortgage Numbers

October 3, 2016 by Penny 37 Comments

I am terrible at setting goals. I also don’t really share numbers here. At least not in any streamlined way. If you read my posts about unexpected expenses and the $24k in debt we killed last year, you’ll get a fairly decent picture of my income and my spending. But let’s leave a little mystery … [Read more…]

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Posted in: Plan, Save, Spend Tagged: budget, debt, FI, financial independence, goals, loans, mortgage, numbers, repayment
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