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Living a More Purposeful Life One Cent at a Time

budget

What Black Friday Critics Miss

November 26, 2021 by Penny 51 Comments

One Facebook friend shopped for eight hours on Black Friday. Another took three friends and filled one shopping cart a piece. I looked at photo after photo as they flooded social media. There were a lot–and I mean A LOT–of shopping hashtags and not a single #OptOutside on my Facebook feed. The Black Friday critics … [Read more…]

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Posted in: Spending Tagged: Black Friday, black friday critics, budget, consumerism, Cyber Money, gifts, holidays, shopping

10 Ways Our Saving and Spending Shifted This Past Year

February 9, 2021 by Penny 2 Comments
coins piggy bank spending saving shifted

Just about a year ago, scientists and money nerds alike started talking a lot about exponential growth a whole lot. Around that same time, I noticed a really unusual run on frozen pizza that had nothing to do with sporting events. Of course, as we know now, we were headed full throttle into a pandemic … [Read more…]

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Posted in: Save, Spend Tagged: budget, COVID, goals, pandemic, saving, savings goals

Ice Cream & The Value of a Dollar

February 19, 2020 by Penny 12 Comments
Buying Ice Cream Cones to Learn About Money

There’s so much talk about teaching kids about money. When do you start? How do you start? What’s saying too much versus saying too little? I can’t claim that I have that entirely figured out. Heck, I can’t claim that I have anything about parenting entirely figured out. But I do know that our toddler does already … [Read more…]

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Posted in: Spend Tagged: budget, family, family money, money lessons, saving, shopping, spending, toddler, toddler money

Is it Lifestyle Inflation or Do I Need to Adjust My Budget?

November 13, 2019 by Penny 18 Comments
Is It LIfestyle Inflation or Is It Time to Adjust My Budget?

Confession time, fam. I keep busting our budget. The whole thing doesn’t go up in flames, but category after category, month after month, I keep going over budget. So as I scrolled through the spreadsheet last month, I found myself wondering if this is lifestyle inflation at its undiagnosed finest…or do I need to adjust … [Read more…]

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Posted in: Plan Tagged: budget, family money, grocery budget, lifestyle inflation, parenting, savings, spending

Walworth County Fair: How Much Did the Fair Actually Cost & Was it Worth It?

September 4, 2019 by Penny 4 Comments
Walworth County Fair What Does it Cost

Is there anything more Midwestern than a blog post about what a fair costs and visiting cute farm animals? How about the mention of deep-fried Oreos or deep-fried mac ‘n cheese? (Full disclosure: I saw both served on sticks and I ate neither…this time.) I’ve been going to the Walworth County Fair every summer since … [Read more…]

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Posted in: Spend Tagged: budget, carnival, children, cost of kids, county fair, festival, sinking fund, summer, summer fun, toddlers, travel, Wisconsin

I Could Save More…But I Don’t Want To

August 5, 2019 by Penny 23 Comments
The Butter is Melting Already

In news that should shock absolutely no one, we don’t calculate our savings rate officially. Just like we don’t track our net worth in a formal capacity…or have a projected FI/FIRE number. And we still have cable. Basically, someone should just come take my money blog away. Even without a formal savings rate calculation, I … [Read more…]

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Posted in: Spend Tagged: budget, needs, savings rate, spending, splurge, stoicism, Tim Ferriss, wants

Toddler Summer Money Diary: Weeks 6 & 7

July 31, 2019 by Penny 4 Comments
Toddler Park Slide Summer Money Diary

Remember how in my last money diary I joked about $19 in 48 hours making kids expensive? Hahahahahahahaha. Here’s live footage of me trying to salvage our budget at the end of July. via GIPHY There’s just something about summertime that means spending in my life. Though if social media is any indication, it’s pretty … [Read more…]

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Posted in: Spend Tagged: baby, budget, diapers, family, free, frugal, money diary, spending, summer, summer budget, toddler

10 Back-to-School Money Moves for Teachers to Make Now

July 22, 2019 by Penny 6 Comments
Smart Money Moves for Teachers to Make School Supplies

Summer is winding down as anyone who has recently set foot in a Target can attest. You can’t move your shopping cart three feet without being assaulted with back-to-school reminders, especially those towering shelves at the Dollar Spot. Just that sentence is enough to send new and veteran teachers alike deep into fantasies about cute … [Read more…]

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Posted in: Teach Tagged: 403(b), 457, back to school, budget, classroom spending, education, education expenses, invest, pension, retirement, school supplies, teachers, teaching

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

When It’s Time to Choose Time Over Money

May 15, 2019 by Penny 31 Comments
Choosing Time Over Money

You can always make more money, but what you can’t get more of is time. This statement is both profoundly true everywhere and logistically false in education. The idea that any teacher can simply work hard to earn more income shows little understanding of a profession that is governed by salary schedules, lane changes, and … [Read more…]

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Posted in: Wonder Tagged: budget, education, family, income, priorities, scaling back, stipends, teaching, time
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