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Living a More Purposeful Life One Cent at a Time

frugal

Lessons Learned from Putting $33K Toward Debt Last Year

March 27, 2019 by Penny 19 Comments
Debt Paydown Progress: $33K in One Year

I hate my mortgage. How’s that for today’s installment of Truths That Surprise No One? No amount of rationalizations have ever made my mortgage seem palatable. I know our interest rate is low. I know we bought at a great time. I know that my money could be working harder for me in the market. … [Read more…]

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Posted in: Spend Tagged: debt, debt payoff, expenses, frugal, homeowner, homeownership, income, mortgage, mortgage payments, mortgage payoff

6 Ways We Get Free and Cheap Toys

March 20, 2019 by Penny 4 Comments
How to Get Cheap and Free Toys

Kids are really expensive. But what if you can get cheap toys? Cheap toys when they’re babies, toddlers, and kids. OK, never mind cheap. What if you learn how to get free toys? Kids are expensive anyway. But that doesn’t mean that learning how to score toys for less isn’t important. It is. In fact, it’s become … [Read more…]

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Posted in: Save Tagged: child, children, eco-friendly, environmental, free, frugal, garage sales, green, kids, plastic, play, pretend, savings, secondhand, thrift shops, thrifting, toys

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

4 Things That Still Surprise Me About Frugality

January 30, 2019 by Penny 9 Comments
4 Things that Surprise Me About Frugality

For some people, frugality comes naturally. I. Am. Not. Some. People. But I have adopted a fairly frugal lifestyle for the past few years, and I like it. I really do. We are much more intentional with our spending. The constant influx of of stuff has stopped. I wreak far less havoc on the environment. … [Read more…]

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Posted in: Save Tagged: clutter, consumer culture, consumerism, frugal, frugality, habits, impulse buys, materialism, shopping, spending

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 It’s Really Like to Share Your Salary with the World

November 12, 2018 by Penny 35 Comments
How Much Money Teachers Make

Does income matter on the journey to financial independence? Duh. I agreed to be a guest on a podcast panel where I could weigh in on that very question. To be quite honest, I wasn’t sure what I could possibly add to the discussion besides a hearty, “Of course!” Still, I agreed. I anticipated that … [Read more…]

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Posted in: Make Tagged: frugal, income, middle class, salary, savings, spending, transparency

Sometimes Spending is the Answer

October 17, 2018 by Penny 12 Comments
Sometimes Spending is the Answer

“He looks like Buster Brown.” This statement is equal parts puzzling and entertaining when you don’t know who Buster Brown is. That’s the camp I fell into before today. I could tell my mom was dismayed over my son’s new haircut based solely on her delivery. The deadpan look. The hand on her hip. The … [Read more…]

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Posted in: Spend Tagged: awkward, baby, cheap, frugal, frugality, parenthood, parenting, parents, saving, spending, toddler

Better Than Free

August 15, 2018 by Penny 24 Comments

Free. It’s a powerful word. Magical, really. Out of all the four letter words, this one really stops people in their tracks. People clamor into stores en masse, wading through a sea of people only to endure time-halting lines. And free is good. In a world that often has complete disregard for their bottom line, … [Read more…]

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Posted in: Declutter Tagged: curb alert, declutter, free, frugal, frugality, garbage picking, minimalism

My Favorite Free or Frugal Summer Activities

August 6, 2018 by Penny 16 Comments

“What did you do this summer?” It’s hard to not look at that like a loaded question. And I’m not talking about all the people who seem to want me to prove that I wasn’t just lounging around eating bonbons with my fellow teachers. The truth is that I’ve always struggled with answering this question. … [Read more…]

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Posted in: Explore Tagged: forest preserves, free, free kids activities, frugal, hikes, libraries, parks, summer, summer activities, toddler

Frugally Awesome…or Awkward: Lawn Mower Edition

July 23, 2018 by Penny 22 Comments

This series took a hiatus for a while. But I don’t want you to think for one second it was because I haven’t been my usual frugal awkward self. I have. I have. I still chirp, “You too!” when a server tells me to enjoy my meal. I still wave at strangers who are waving … [Read more…]

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Posted in: Wonder Tagged: awkward, DIY, frugal, homeowner, homeownership, marriage, repair
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