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Living a More Purposeful Life One Cent at a Time

529

Q3 2019 Goals: It’s Time to Focus

July 8, 2019 by Penny 5 Comments
Goals for Q3 2019

The year is more than half over. In less than six months, it’ll be 2020. And if I’m entirely honest, I’m not even sure that I’m totally used to calling this year 2019. Knowing that we’re in the downhill half of the year, my instinct was to step even more goals. However, after realizing how … [Read more…]

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Posted in: Wonder Tagged: 529, focus, freelancing, goals, investing, mortgage payoff, retirement savings, side hustles, taxable account

The Purpose of Frugality: Find Your Why

May 22, 2019 by Penny 7 Comments
Why Would Someone Want to Be Frugal

“But what’s the point of not really buying anything all the time if we don’t do this?” A comment my husband made while we were mapping out our summer plans stopped me in my tracks. Once again, I forgot the why of frugality. We were knee deep in the middle of ideas–literally. Our dining room … [Read more…]

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Posted in: Save Tagged: 529, budget, child, friends, frugal, frugality, fun, kids, priorities, purpose, savings, travel, values

Summer Money Moves That I Plan to Make

May 20, 2019 by Penny 7 Comments

You’re probably thinking you’re reading about the money moves that I’m planning to make this summer because I’ve gotten so good at goal setting and consistent check-ins. Or maybe you’re thinking it’s because I’m so pumped about finding ways to simplify my finances while boosting my income and living more purposefully. Or maybe you know … [Read more…]

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Posted in: Plan Tagged: 529, apps, declutter, finances, invest, no spend, roth, spending, summer, tracking

Yes, I Still Hate My Mortgage: Q4 2018 Recap

December 28, 2018 by Penny 18 Comments
Extra Mortgage Principal Goals 2018

OK, OK. It’s not technically the end of the quarter. But I’m on winter break, so I don’t really know what day, what week, or what year it is. Plus, everyone and their uncle blogger buddy is posting 2018 recaps. Since I don’t set yearly goals (mostly because I’m probably the world’s worst goal setter … [Read more…]

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Posted in: Plan Tagged: 529, college fund, debt, decluttering, financial goals, Fitbit, fitness, goals, health, mortgage, mortgage payment, principal, sustainable

Holiday Money Wins 4

December 21, 2018 by Penny 4 Comments
Win with money over the holidays

It’s the shortest day of the year, but we’re going to party hard. And not just because every day from here on out gets a little bit lighter and brighter for a little bit longer. Nope, we’re celebrating because the holiday money wins came pouring in this week. Why? I suspect a lot of us … [Read more…]

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Posted in: Celebrate Tagged: 529, celebrations, Christmas gifts, debt, debt payoff, holiday, money wins, student loans, wins

Actions Over Words: 2018 Second Quarter Recap

July 2, 2018 by Penny 10 Comments

It’s a funny thing: to write about the meaninglessness of words. On a blog. Using my words. But I stumbled upon a quote that seemed really profound. Essentially, our words are who we’d like to be, but our actions are who we are. I set some lofty goals for the second quarter of this year, … [Read more…]

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Posted in: Plan Tagged: 529, college, consumerism, cups, goals, quarter 2, recap, reflect, retirement, savings, spending, waste

Here’s to Failure: 2018 First Quarter Recap

April 2, 2018 by Penny 23 Comments

There’s perennial talk about the importance of goal setting in personal finance. SMART goals, checklists, apps abound. All of these posts and tools are designed to set people up for success. Looking ahead, though, I am not just interested in success. I’m looking to fail. Here’s why: Looking to Fail There’s real bravery and power … [Read more…]

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Posted in: Plan Tagged: 529, failure, Fitbit, goals, health, interest, mortgage, principal, recap

A Tale of Two Valentine’s Days

February 12, 2018 by Penny 22 Comments

It’s a tale as old as time. Or at least as old as Hallmark. Couple sees Valentine’s Day on calendar. Couple spends lots o’ bucks to show their love. It doesn’t have to be like that, but for us, it was. The Ghost of Valentine’s Day Past Last year, my husband sent me a text … [Read more…]

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Posted in: Spend Tagged: 529, budget, college fund, frugal, holiday, restaurants, spending, Valentine's Day

Making the Most of a Month

November 30, 2017 by Penny 6 Comments

28, 30, 31. Then, there’s the really unusual 29. No matter how you flip the pages, each month only has so many days. I’ve recently gotten into the groove of setting goals for each month, and I’ve been met with varying degrees of success. Instead of looking at the end of the month as the … [Read more…]

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Posted in: Explore Tagged: 529, family, finances, goals, health, money, planning, routine, streak, success, time

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