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Living a More Purposeful Life One Cent at a Time

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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 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

What I Decluttered & How I Know I’m Not Done: February 2019

February 27, 2019 by Penny 19 Comments
Signs Still Need to Declutter

I didn’t start the year with a concrete number for how many items I wanted to declutter. I was invited to do a few different challenges. The most dramatic one promised to part ways with 1,000 items. I didn’t accept. Because honestly? It seemed too easy. For a house that generally abides by the clean … [Read more…]

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Posted in: Declutter Tagged: baby, charity, clothes, clutter, decluttering, donations, family, minimalism, organization, shoes, toddler

How We Pulled Off a No Spend Weekend as a Family in the Dead of Winter

February 20, 2019 by Penny 4 Comments
No Spend Weekend Family Winter Ideas

I’ve written about our decision to opt out of opting out before. In short, major spending restrictions don’t seem to target our money needs right now. Five years ago, when I literally bought an espadrille in every color so I could make a rainbow on my personal Instagram account? Money gods, yes. Now? Not so … [Read more…]

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Posted in: Save Tagged: baby, family, frugal, grocery budget, library, no spend, savings, toddler, weekend, zero spend

Four Ways to Make Your Thanksgiving More Frugal

November 14, 2018 by Penny 17 Comments
Four Ways to Have a Frugal Thanksgiving

Alright, alright. With Thanksgiving time nearly upon us, I’ve been thinking a lot about how much money Americans spend on turkey time each year. About $165, with nearly $68 of that going to travel.  In my mind, this number is the problem with averages. If you are flying your family across the country, you’re spending … [Read more…]

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Posted in: Save Tagged: baking, cooking, family, frugal, holiday, holiday expenses, recipes, spending, Thanksgiving, travel

What a Bounce House Rental Says About My Values

May 10, 2018 by Penny 20 Comments

I’ve been a bit busy lately. Instead of blogging, I’ve been spending a fair amount of time pricing out bounce house rentals for our son’s first birthday. I know. I KNOW. My son can’t walk. He can’t even crawl properly. He looks more like a dog scratching its butt on carpet than a graceful cherub … [Read more…]

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Posted in: Spend Tagged: baby, budget, costs, expense, family, first birthday, frugal, guests, spending, values, wedding

Listening to People on Different Pathways

March 28, 2018 by Penny 25 Comments

Blame it all on my roots. This doesn’t have anything to do with boots, black-tie affairs, or Garth Brooks. It has everything to do with how I was raised, and I am not sure I have let everyone in on it. In fact, I know I haven’t. If I had, you might think about those … [Read more…]

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Posted in: Wonder Tagged: blue collar, college, college degree, dad, debt, dropout, entrepreneur, family, first-generation, first-generation graduate, high school dropout, loans, mom, parents, working class

Four Lessons from My Mom’s Checkbook

February 9, 2018 by Penny 21 Comments

For as long as I can remember, my mom has carried around a checkbook. While some might interpret it as an indicator of her age or of someone who needs to learn a thing or two about modern money, that checkbook has so much to teach. And not just about how many times you can … [Read more…]

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Posted in: Save Tagged: checkbook, checking, consumers, family, mom, money, money habits, saving

On Money & Missed Opportunities

January 18, 2018 by Penny 31 Comments

When it comes to missed opportunities, they are almost always on my mind. Truthfully, it is a single missed opportunity. I run over it in my mind constantly, if not obsessively, but never once have I uttered any of it aloud. Like thumbing over the edges, instead of cracking open a book to settle in … [Read more…]

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Posted in: Wonder Tagged: contentment, enough, family, hustle, missed opportunities, money, side hustle

Priorities and Posts for the New Year

January 1, 2018 by Penny 22 Comments

True to tradition, I will share my debt pay down numbers for 2017 in early January. While I’m eager to crunch the numbers, I wanted to start 2018 with a slight shift. Instead of emphasizing numbers right off the bat, I wanted to share my priorities for the new year, in addition to recapping some … [Read more…]

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Posted in: Plan Tagged: baby, earnings, experiences, family, freelancing, goals, new year, priorities, spending
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