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Living a More Purposeful Life One Cent at a Time

emergency fund

It’s OK to Spend Your Savings

June 29, 2020 by Penny 15 Comments
It's OK to Spend Your Savings

What’s the first thing you picture when you hear people talking about savings accounts? What about when you read about emergency funds? If I’m being totally honest, I often see little snippets of Lord of the Rings in my head. You know that little balding goblin-y fellow (hobbit?) that clutches the precious ring? via GIPHY … [Read more…]

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Posted in: Spend Tagged: emergency, emergency fund, growth, home ownership, home repair, net worth, progress

We Could Pay Off Our Mortgage – So Why Aren’t We?

June 15, 2020 by Penny 19 Comments
Waiting to Be Mortgage Free

Somewhere in the swirl of a pandemic, long overdue protests, and a slew of personal ups and downs, we paid our taxes. We also made a really exciting discovery during the deepest financial dive we do all year. A money milestone that I’ve been pursuing relentlessly unfolded: we could pay off our mortgage. But we … [Read more…]

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Posted in: Plan Tagged: COVID, emergency fund, giving, mortgage, mortgage free, mortgage freedom, pandemic

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

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

Money Lessons from My Garden

July 20, 2019 by Penny 39 Comments

While I’m a far cry from an expert gardener, it’s been a hobby of mine since I was little. And it’s always been a family affair. I can’t ever recall a summer where my dad and I weren’t trying our hands at a tomato plant or twelve. Not to mention the ill-fated encounter with a … [Read more…]

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Posted in: Invest Tagged: emergency fund, garden, gardening, investing, lessons, money, patience, planning, saving, spending, time

Celebrating Your Money Wins – Volume 4

July 20, 2018 by Penny 7 Comments

You can have debt and still be good with money. Full stop. I know. Good day to you, too, friends. Some of you might be scratching your head or making a beeline to the comment section right now, but hear me out.

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Posted in: Celebrate Tagged: $100k, Boston, celebrate, debt, emergency fund, goals, income, money wins, New York City, passive income, rent, roommates, royalties, side hustles

Celebrating Your Money Wins – Volume 3

July 13, 2018 by Penny 5 Comments

I am here for money wins. Big, small, it doesn’t matter. Any excuse to send some celebratory GIFs into the world and cheer people on as they travel through their money journeys. Why? Because the journey is long. And hard. And challenging. And boring. And basically everything that makes mastering your money so complex. Rather … [Read more…]

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Posted in: Celebrate Tagged: celebrate, credit cards, debt, emergency fund, fitness, money wins, student loan debt, student loan payments, student loans, wellness program

Why I Prefer Extra Income to Emergency Funds

May 21, 2018 by Penny 23 Comments

The calendar invite notification chirped. There it sat in my mailbox. A 9:00 am meeting appointment for three days from now with my boss. No subject. No agenda. No explanation. Despite having just completed my summative evaluation where I earned the highest rankings, I automatically assumed I was about to be fired or transferred or … [Read more…]

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Posted in: Plan, Save Tagged: emergency fund, freelancing, ghostwriting, hustling, job loss, job security, jobs, savings, side hustle, writing

Penny Found: A Planning Ahead Roundup

July 26, 2017 by Penny 6 Comments

There’s nothing quite as unsettling as being caught off guard when it comes to money. While you don’t want to treat every day like the sky is falling (Hi, my name is Penny, and that’s exactly how I used to watch my Vanguard account), you also don’t want to bury your head in the sand. … [Read more…]

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Posted in: Guest Posts Tagged: budget, e-fund, emergency fund, future, insurance, living trust, spending, vacation, will

A Six-Figure Celebration and Shrug

July 10, 2017 by Penny 41 Comments

Our savings account balances just crested six figures. Six figures! I could buy a whole bunch of Jimmy Choos or even a Tesla. We won’t do that, of course. Instead, we’ll celebrate and shrug with our favorite virtual family (that’s you guys). Because if we’re talking about savings, we’ve got to be honest: it can … [Read more…]

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Posted in: Save Tagged: baby fund, e-fund, emergency fund, homeowner, savings, six figures
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