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Living a More Purposeful Life One Cent at a Time

debt

Three Reasons Why: Love, Fear, and Greed

March 6, 2017 by Penny 14 Comments

Why do we make the decisions that we make? What motivates us? I’m a firm believer that people’s passions are just as varied and unique as people themselves. But when I think about my own motives for why I do what I do, they can really be boiled down to three simple reasons.

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Posted in: Wonder Tagged: debt, fear, greed, love, love fear and greed, motivation, passion, reasons, saving, security, stability, why

Debt & Investing: Which Path Do You Choose?

February 22, 2017 by Penny 24 Comments

I don’t set goals. But I do get set in my ways. Since I’m so charming, it all works out. Right? Riiiiight. For more than the past year, we have implemented the exact same approach to paying down debt and investing–do both as well as we can. And it’s working. But I also wonder if … [Read more…]

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Posted in: Save Tagged: debt, debt payoff, investing, mortgage, roth, Vanguard

Our ’17 Mortgage Plan: Advice Wanted

January 23, 2017 by Penny 34 Comments

It’s no secret that I hate my mortgage. It’s no secret that I don’t believe there’s such a thing as good debt. But we do really love our house, our neighborhood, our short commutes, and our proximity to family. So we grin and bear it. Since I fell into personal finance, I’ve taken a Bandaid … [Read more…]

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Posted in: Plan Tagged: debt, double payments, homeownership, house, maternity leave, mortgage, payoff plan, savings

$27K in Debt Destroyed this Year

December 19, 2016 by Penny 42 Comments

Last year, I couldn’t make up my mind when it came to our debt. At first, it seemed like we had paid off just shy of $20,000. Then, I remembered came clean about the fact that we still had a car payment. So we clocked in right around $24,000 when it was all said and done. … [Read more…]

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Posted in: Save, Spend Tagged: bad debt, debt, debt payoff, extra payment, goals, good debt, home ownership, hustle, mortgage

A Home-Buying Secret: I Bought Our House

October 31, 2016 by Penny 47 Comments

Four years ago, I bought our house. I know what you’re thinking. But no, this isn’t one of the many times where I type I even though I really mean we. I purchased our house. And it seems like the strangest secret in the world to finally share and celebrate because even though the house was … [Read more…]

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Posted in: Spend Tagged: bought our house, couples, debt, house, joint finances, marriage, mortgage, relationship

To Everyone Who Hates on New Cars

October 19, 2016 by Penny 89 Comments

Alright, personal finance blogosphere. Enough with the haterade for new cars. Are they depreciating assets? Yes. Is interest bad? Yes. Is financing a car the worst thing someone could do financially? Not necessarily. In fact, as someone who financed a $27,000 car several years back, I wouldn’t change a thing. Except maybe I would have … [Read more…]

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Posted in: Spend, Wonder Tagged: adulting, car, car loan, debt, decisions, financing, loan, negotiating, new car, shopping, used car

Millennial Money Chatter: Money Sense for Us

October 12, 2016 by Penny 26 Comments

You know FOMO and YOLO and adulting. You’re probably familiar with regifting. But what about degifting and frugle and debth? It turns out, that as we sort through our money, millennials are creating new language right along side of it. Why the need for the new vocabulary? Our generation is looking at money differently. Sometimes … [Read more…]

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Posted in: Spend, Wonder Tagged: adult, adulting, conversation, debt, generation, gifts, millennial, minimalism, money, pressure, research, stress, student loan

A Look at Our Mortgage Numbers

October 3, 2016 by Penny 37 Comments

I am terrible at setting goals. I also don’t really share numbers here. At least not in any streamlined way. If you read my posts about unexpected expenses and the $24k in debt we killed last year, you’ll get a fairly decent picture of my income and my spending. But let’s leave a little mystery … [Read more…]

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Posted in: Plan, Save, Spend Tagged: budget, debt, FI, financial independence, goals, loans, mortgage, numbers, repayment

The Latte Factor Lived in My Closet

August 10, 2016 by Penny 40 Comments

Here’s the thing: I don’t drink coffee. I can count on one hand the number of sips I’ve tried. It’s so repulsive to me, I cannot swig it down in a Frappuccino that is 87% sugar, 11% heavy whipping cream, and 2% coffee. I won’t even eat tiramisu, failure of an Italian American that I … [Read more…]

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Posted in: Uncategorized Tagged: careless, clutter, consumerism, debt, impulse buy, minimalism, purchases, shoes, shopping, waste

6 Ideas for that Extra Paycheck

August 1, 2016 by Penny 28 Comments

Where are all my bi-weekly paycheck people at? If you pick up a paycheck every other week–or every week–then you know that there are months where you’ll land an “extra” paycheck. For me, one of those months happens to be September this year. While my monthly budget is structured based on two of my husband’s … [Read more…]

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Posted in: Invest, Plan, Save Tagged: debt, extra money, extra payment, investing, mortgage, pay day, paycheck, payoff, salary, saving, splurge, travel
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