She Picks Up Pennies

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Author: Penny

Hustle Like You’re in High School

November 25, 2015 by Penny 3 Comments

Last week, I found myself feeling all sorts of things: sick, tired, sick of being tired. The trimester was coming to a close. It seemed as if I was spending every waking moment planning, grading, putting together the literary magazine, supervising an intervention group. Plus, a former student  asked if we could resume our evening … [Read more…]

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Posted in: Uncategorized Tagged: attitude, fun, hobbies, hustle, passions, perspective, work

Can’t Versus Won’t in Finances

November 23, 2015 by Penny 14 Comments

No one actually lives like that. It’s impossible to retire early. Sure, anyone can say those things, but you’re not actually doing that. The amount of vitriol at the bottom of significant savings or early retirement posts on sites like Yahoo Finance could give the Fashion Police on E! some serious trolling competition. It is easy … [Read more…]

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Posted in: Uncategorized Tagged: change, goals, mindset, perspective

Values Aren’t Always Visible

November 20, 2015 by Penny 7 Comments

  This year, Walmart devised an initiative to recognize the dedication and sacrifice of our servicemen and women with a green light bulb. Lots of green light bulbs, in fact. The idea being that Americans across this great nation would traipse out to the store Walmart, scoop up bulbs, and replace their traditional bulbs on … [Read more…]

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Posted in: Uncategorized Tagged: character, debt, designers, judgement, McMansion, snapshot, spending, values

Today Matters Most

November 18, 2015 by Penny 14 Comments

Like most bloggers, I have a variety of goals and milestones that I hope to achieve. I also have a carefully crafted timeline (read: spreadsheet) upon which these ambitions are judiciously plotted. One month, six months, one year, five years, and on down the line. My situation is not unique. Think back to the five … [Read more…]

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Posted in: Uncategorized Tagged: future, goals, past, planning, present, today

Minimize Without More Spending

November 16, 2015 by Penny 25 Comments

Minimalism has been splashed across more magazine covers than reality TV starlets as of late. Top 10 items to toss today. Five things no one needs in their kitchens. Three reasons to live with less. Turn to the full text of any of these articles, and you’ll get a lot more than the benefits of … [Read more…]

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Posted in: Uncategorized Tagged: clutter, decluttering, Marie Kondo, organization, spending

How I Fell into Six Figures of Debt Without Noticing

November 12, 2015 by Penny 30 Comments

This blog post is dedicated to that four-letter word that will make any finance blogger blush, twitch, foam at the mouth even: Debt. We have it. We have lots of it. To be precise, Mr. P and I have six figures worth of debt, and the first digit wasn’t even a 1 until this past … [Read more…]

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Posted in: Save, Spend, Wonder Tagged: bad debt, consumerism, debt, financial literacy, good debt, house, housing, loans, mortgage, society

The Perspective of Percentages

November 11, 2015 by Penny 19 Comments

Once I finished my victory lap around the kitchen table to celebrate lower our car insurance premiums, I dashed over to dutifully input the new numbers into our budget spreadsheet* with a smug smile scrawled across my face. I had spent the better part of two weeks soliciting quotes via phone, email, and carrier pigeon. … [Read more…]

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Posted in: Plan, Save Tagged: budget, insurance, savings

Put Up or Shut Up: My Plunge into Investing

November 9, 2015 by Penny 19 Comments

Despite the honors and AP classes that I was enrolled in throughout primary, secondary, and undergraduate schooling, I am a slow learner. Like, embarrassingly slow. But, I can say wholeheartedly that I have finally and officially learned that a certificate of deposit at my bank is no place for my Roth IRA. Is that a … [Read more…]

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Posted in: Uncategorized Tagged: investing, money, roth, roth IRA, savings, stock market

I Know How Much My Coworkers Make

November 5, 2015 by Penny 32 Comments

Transparency. Over the past decade, that word has turned into a juggernaut of sorts. Politicians, businesses, nonprofits, even celebrities espouse the greatness of transparency. In an effort to be more transparent, Twitter accounts were made, blogs and vlogs were established, press releases became a smidge more authentic, and someone started the trend of selfies sans … [Read more…]

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Posted in: Uncategorized Tagged: pay, salary, transparency

Frugal to a Fault

November 3, 2015 by Penny 27 Comments

Just like when I was learning to drive, I am starting to realize my tendency to overcorrect when it comes to personal finance. It is no secret that I fell headfirst into the trap of excessive consumerism. In a lot of ways, it was not a fall, so much as a gleeful swan dive, credit … [Read more…]

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Posted in: Uncategorized Tagged: balance, frugal, frugality, saving, spending
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