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Living a More Purposeful Life One Cent at a Time

income

5 Ways I Saved & Earned This Week

February 17, 2020 by Penny 10 Comments
Snow Day Adventures 5 Ways I Saved

I tend to prioritize saving over earning more money. It’s worth noting *why* I do this. Obviously, if you have a big mountain of debt to move, the best way to move the needle is to make more money. However, we don’t have an income problem so much as a spending problem. Or at least, … [Read more…]

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Posted in: Save Tagged: family money, frugal, income, library, savings, side hustle, teaching

Why I’m Still Side Hustling Now That I Don’t Need To

February 12, 2020 by Penny 28 Comments
Why I'm Still Side Hustling

If my relationship with side hustles had a status, it would be this: It’s Complicated. As someone who worked multiple jobs as soon as I got my work permit at 14, my relationship with side hustles is as varied as it is long. Even at moments when I absolutely hate it, even now that I … [Read more…]

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Posted in: Make Tagged: earning, flexibility, freedom, freelance, freelancing, hustling, income, side gig, side hustle, tutoring, writing

5 Scary Statistics about Money and Materialism

October 30, 2019 by Penny 21 Comments
Five Scary Money Statistics

Senior year of high school, one of my friends convinced me to watch House of 1,000 Corpses. No one could believe I hadn’t seen it in theaters (for the three whole days it was there?), so we rented it. From Blockbuster. I had long survived The Blair Witch Project and The Ring. Recently, I had … [Read more…]

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Posted in: Wonder Tagged: consumer debt, credit cards, income, median income, recycling, savings, savings rate, sustainability

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

Celebrating Your Money Wins – Volume 16

May 6, 2019 by Penny 5 Comments
Celebrating Your Money Wins 15

Not every money win has to a huge one to matter. Last month, I focused a sizable win. We have enough in savings to wipe out our mortgage. That’s H-U-G-E. But this month? I’m actually equally excited by something that only adds up to maybe $20 or $30 a month. I am officially Diet Coke … [Read more…]

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Posted in: Celebrate Tagged: budgeting, budgets, FI, financial independence, income, investing, investments, rental

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

Three Money Exercises When You Skip a No-Spend Month

January 9, 2019 by Penny 15 Comments
Money Exercise Besides No-Spend Challenges

For a lot of people, January is a no-spend month. Since I’m not participating, I thought I’d share what I’m doing with my money this month. I’m spending it. Da dum tss! That is actually true, of course. I am also implementing three small changes this month that seemed notable enough to mention at length. … [Read more…]

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Posted in: Plan Tagged: earning, income, increase earning, make money, making money, side hustle, spending, tracking

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

Naps are Priceless and Other Things I Learned Going Back to Work

November 5, 2018 by Penny 15 Comments
What It's Like to Be a Working Mom

Exactly one year ago, my maternity leave ended. In some ways, time has never moved faster. In other ways, I can’t believe how much things still feel the same. But for 365 days, I have had a full-time job in addition to being a mom. My son has spent more of the time that he is … [Read more…]

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Posted in: Make Tagged: baby, career, earning, education, income, maternity leave, mom, motherhood, parenting, salary, savings, son, teaching, toddler, work, working

What Happened When I Tried to Stop Believing in the Latte Factor

October 29, 2018 by Penny 26 Comments
Is the latte factor real?

It started with a beverage. Of course it did. No, I’m not talking about an actual latte. Truth be told, I don’t drink coffee of any kind. Not even the kind that comes with a heaping of high fructose corn syrup and a caramel swirl. This was a Diet Coke. I had some time to … [Read more…]

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Posted in: Spend Tagged: earning, expenses, grocery, grocery budget, income, latte factor, shoes, splurges, Starbucks
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