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Living a More Purposeful Life One Cent at a Time

debt

Celebrating a Major Mortgage Milestone

May 14, 2021 by Penny 7 Comments

I’d like to say that since I started this blog, we’ve been on a mission to pay off our debt. But the truth is that I started blogging under the impression we were mostly debt free because our cars were almost paid off…and I didn’t realize a mortgage was debt. I know. I know. Once … [Read more…]

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Posted in: Celebrate Tagged: amortization, debt, debt payoff, mortgage, mortgage payments, mortgage payoff

How $39 Changed Our Mortgage Payoff Journey Forever

January 22, 2020 by Penny 29 Comments
How $39 Started Our Mortgage Payoff Journey

Last year was a good year for our mortgage. More accurately, it was a good year for making strides toward getting RID of our mortgage. Not only did our principal dip below six figures for the first time; we also managed to put one of the highest amounts of money toward our principal ever. Thanks … [Read more…]

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Posted in: Spend Tagged: debt, debt free, debt paydown, debt payoff, extra mortgage payment, interest, mortgage, mortgage debt, principal

My Goals for 2020

January 15, 2020 by Penny 11 Comments
Planning out 2020 goals

Productive decluttering. Declutter productively. Less waste. Waste less. I had all sorts of flowery ideals and aspirations written out in a notebook. My plan was to simply transfer it into a blog post, slap a title on it, and call it my goals for 2020. The problem is that none of those visions were concrete … [Read more…]

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Posted in: Plan Tagged: clutter, debt, decluttering, goals, health, investing, mortgage, wellbeing

One Last Big Money Move of the Year

December 16, 2019 by Penny 14 Comments
One Last Big Money Move of the Year

One last big money move of the year. I was going to say decade, but I decided to take a little pressure off you. Pressure off me? It’s your money, Penny. I know that’s what you’re thinking. It is my money, and ultimately, it’s my decision. But like most things in life on this blog, … [Read more…]

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Posted in: Invest Tagged: debt, emergency fund, investing, IRA, mortgage, mortgage payoff, roth IRA, savings

Smashing 6 Figures of Debt & Learning From What Doesn’t Apply to Me

August 19, 2019 by Penny 16 Comments
Paid Off 6 Figures of Debt in 7 Years

There’s no sense in burying the lede: Our mortgage finally dipped below six figures. Specifically, we now owe $99,884. And I can’t stop smiling. Mathematically, very little has changed. Technologically, it was just a few clicks and a single payment. Mentally? Psychologically? Emotionally? That is another story, friends. We all know that money is never … [Read more…]

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Posted in: Plan Tagged: debt, debt payoff, goals, inspiration, mortgage, mortgage debt

Celebrating Your Money Wins & A Plutus Nod – Volume 20

August 7, 2019 by Penny 9 Comments
Money Wins Star Confetti Celebrate

In a wild turn of events, my blog was nominated for a Plutus Award again this year. I still can’t find the right words–or really any words–to do this nomination justice. I am beyond thrilled and totally shocked. via GIPHY It was a great reminder to me that there’s always room to celebrate in the … [Read more…]

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Posted in: Celebrate Tagged: debt, emergency fund, expenses, free flights, free travel, home ownership, money wins, side hustle, student loans, summer school, teaching, travel hacking, travel rewards

Celebrating Your Money Wins – Volume 19

July 29, 2019 by Penny 10 Comments
Summer Money Wins

Earlier in the month, I thought it would be fun to celebrate summertime money wins. I reached out to the community, and I was floored by the number of people who had money wins to share. Then, a reader reached out to me to let me know that the money wins post was actually linked … [Read more…]

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Posted in: Celebrate Tagged: debt, downsize, downsizing, expenses, extra mortgage payment, FI, FIRE, housing, mortgage, PMI, travel hacking

Sweet Summertime: Celebrating Your Money Wins – Volume 18

July 17, 2019 by Penny 3 Comments
Summer Money Wins Cheers with Fruity Drinks

There’s nothing sweeter than summertime, so I thought it was only fitting that we do some celebrating. Specifically, I wanted to put together a roundup of other people’s money wins in the personal finance community. Why? Because I am spending all of my dollars this summer, so we better ask other people for help here.  … [Read more…]

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Posted in: Celebrate Tagged: debt, DIY, family, frugal, homeowner, loans, money wins, negotiate, summer

When Should I Pay Off My Mortgage?

May 8, 2019 by Penny 34 Comments
When Should I Pay Off My Mortgage?

There’s no such thing as stupid questions. But I’m pretty sure I’m about to ask one. When should I pay off my mortgage? We’ve been homeowners for a while now. In fact, we were just awkwardly introducing ourselves to new neighbors down the street (I later found part of a stick in my hair, don’t … [Read more…]

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Posted in: Wonder Tagged: debt, early payments, extra payments, mortgage, mortgage debt, mortgage payments, mortgage payoff, mortgage recast, recast, refi, refinance

The Only Money Thing I Want to Do By 33

April 24, 2019 by Penny 17 Comments
My Money Time Capsule at 33

Aging is not a death sentence. It is, in fact, the exact opposite. Each birthday is another opportunity to grow, and it’s not just about becoming long in the tooth. People travel forward on their journeys, even if especially if their journeys aren’t straight lines. Of course, our thoughts and views change. What doesn’t get … [Read more…]

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Posted in: Celebrate Tagged: 403(b), birthday, debt, goals, investing, mortgage, Roths, teacher, teaching
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