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Living a More Purposeful Life One Cent at a Time

debt

A Peek at My Perfect Credit Score

January 29, 2018 by Penny 16 Comments

850. Eight hundred fifty perfect points. It happened for the first time a few months ago: My FICO score hit the fabled 850 mark. It was, in a word, perfection. It also gave me the opportunity to think about how I got a perfect credit score. How I Landed a Perfect Credit Score I shop. … [Read more…]

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Posted in: Spend Tagged: credit card, credit rewards, credit score, debt, travel, travel hacking

How We Slayed $30K Worth of Debt in One Year

January 15, 2018 by Penny 24 Comments

Drumroll, please! Alright, alright. I don’t really need a drumroll since the title is one giant spoiler alert. Since you already know that we put over $30,000 towards our debt in 2017, let’s take a look at how two millennial teachers raising a newborn did it.

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Posted in: Save Tagged: 15-year, 30-year, debt, mortgage, mortgage calculator, mortgage payment

A Look at our Biggest Mortgage Payment to Date

December 4, 2017 by Penny 19 Comments

There are two camps in personal finance: those who pay their mortgages early and those who don’t. We are in the first camp. Rather, we were. When we found out I was expecting, we took the interwebs’ advice and stopped making extra payments toward our mortgage, funneling the money into a Baby Fund instead. Now … [Read more…]

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Posted in: Spend Tagged: debt, debt free, debt payoff, goals, homeowner, house, mortgage, payment, prepayment, savings

You Are Enough

September 27, 2017 by Penny 7 Comments

This blog post is part of the Suicide Prevention Awareness Month blog tour in partnership with Debt Drop. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741. You are not your money or your debt. No matter how many figures show up on your bank … [Read more…]

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Posted in: Wonder Tagged: debt, Debt Drop, mental health, struggle, success, suicide, support

Taking the Time to Check In

September 18, 2017 by Penny 18 Comments

We’re just past the halfway point in the month, so I wanted to do a quick check in on my September goals. Why? Because, to be quite honest, I’ve been so tired and busy and deliriously happy that I keep giving myself free passes. It’s one thing to let things slide a little bit to … [Read more…]

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Posted in: Plan Tagged: check in, comments, debt, goals, mortgage, prepayments, progress

My Money Truths & Two Years of Blogging

August 14, 2017 by Penny 37 Comments

I talk a lot about money. In fact, I’ve written about it 262 times over the past two years. While I’ve learned a lot, I’m no money expert. I’m also not an expert blogger, so you won’t see anything in this anniversary post related to blogging income (spoiler: it’s in the negatives) or vanity metrics … [Read more…]

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Posted in: Save, Spend Tagged: blogging, car, debt, income, job, mortgage, salary, side hustle

Sometimes You Need to Ignore Everyone

August 2, 2017 by Penny 27 Comments

There’s no shortage of people doling out advice on the interwebs. In fact, there’s no shortage of advice on this very blog. While I’m long been a proponent of the fact that there’s nothing one-size-fits-all about personal finance, this is the first time I’m going to say something so explicitly. I hope you ignore me—and … [Read more…]

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Posted in: Wonder Tagged: advice, debt, mortgage, passion, side hustle

FIRE By Any Other Name

April 19, 2017 by Penny 18 Comments

When I first heard the term FIRE, I bristled. The more people I connected with in the FIRE community, the more I dug my heels in. In fact, when Ms. Our Next Life ran her Next Life series, “not for me” was the entire premise of my post (erm, spoiler alert?). And that seems to … [Read more…]

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Posted in: Wonder Tagged: debt, financial independence, FIRE, freedom, jobs, mortgage, unhappy at work

Changing the Conversation About Privilege

March 15, 2017 by Penny 41 Comments

Did you hear the one about how you, too, can pay off $220,000 in debt in three years? Ba dum tss. Let me fast track this to the catch. It involves a whole bunch of hard work piled on top of the generous gift of a home combined with the gift of somewhere else to … [Read more…]

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Posted in: Wonder Tagged: bootstrap, bootstrapping, Business Insider, debt, debt stories, help, perspective, privilege

When 50% Isn’t Everything

March 8, 2017 by Penny 30 Comments

When I write posts about how approximately 50% of our budget is dedicated to savings–and extra debt repayment–I want to take a victory lap around the table and send myself all sorts of celebratory GIFs. Truth be told, sometimes I do. But based on the number crunching that we’ve been doing lately, it seems the … [Read more…]

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Posted in: Plan Tagged: 50%, budget, debt, FMLA, husband, invest, maternity leave, partner, saving, saving half
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