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Living a More Purposeful Life One Cent at a Time

retirement

Q4 2019 Goals: Health Over Wealth

October 9, 2019 by Penny 6 Comments
Q4 Goals 2019 Make It Happen

In less than three months, it’s going to be 2020. I don’t actually care about the year, but based on Internet memes, I needed to point that out, right? Whether it’s 2020, 2021, 2022, or any other flip of the calendar year, I think there’s something really inspiring about the time of year leading up … [Read more…]

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Posted in: Plan Tagged: 403(b), disposable cups, environment, finances, goals, health, plastic, retirement, teacher

10 Back-to-School Money Moves for Teachers to Make Now

July 22, 2019 by Penny 6 Comments
Smart Money Moves for Teachers to Make School Supplies

Summer is winding down as anyone who has recently set foot in a Target can attest. You can’t move your shopping cart three feet without being assaulted with back-to-school reminders, especially those towering shelves at the Dollar Spot. Just that sentence is enough to send new and veteran teachers alike deep into fantasies about cute … [Read more…]

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Posted in: Teach Tagged: 403(b), 457, back to school, budget, classroom spending, education, education expenses, invest, pension, retirement, school supplies, teachers, teaching

My Money Did Better than Me: Q1 2019 Recap

April 3, 2019 by Penny 6 Comments
2019 Q1 Goals Recap

Happy April! The birds are chirping. The sun is staying out later. And it’s snowed, it’s rained, and it’s been 50 and sunny…all in the past week. Welcome to springtime in Chicago! With the arrival of spring (and the other three seasons that also sporadically burst onto the scene), I thought it was finally fitting … [Read more…]

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Posted in: Plan Tagged: charitable giving, charity, debt, finances, Fitbit, goals, green, health, mortgage, retirement, roth, steps, sustainability

Terrible 403b Options: What Do I Do?

March 18, 2019 by Penny 25 Comments
Terrible 403b Options What to Do

Imagine your only option for a retirement plan option is terrible. I don’t mean something trivial like having to use Fidelity instead of Vanguard. I’m not even talking about having your preferred index fund or ETF. What would you do if your 403b option was truly terrible? Asking for a friend. Well, actually, I’m asking … [Read more…]

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Posted in: Invest Tagged: 403(b), 403b fees, 403b plan, 457, annuities, AXA, educator, investing, retirement, savings, teaching

A Plutus Nod for Celebrating Your Money Wins – Volume 11

September 21, 2018 by Penny 2 Comments
Money Wins Plutus Nomination

Today’s money win is different. It isn’t strictly financial. There really aren’t any exact dollars and cents. Unless, of course, you count the dollars and cents that I spend on my blog. If that’s the case, this money win has a negative sign in front of it. But it’s worth every penny. Really! Over the … [Read more…]

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Posted in: Celebrate Tagged: investing, milestone, money, money wins, portfolio, progress, retirement, retirement account, savings, small wins, stock market

When You Can’t Do A Lot, Do A Little

July 30, 2018 by Penny 42 Comments

“Maybe we should just give up.” A blank stare greeted me. “OK. Not give up, but we could just push a really big pause button for the next five or ten years.” I got no reaction. Instead, silence hung in the air. Finally, something. “If that’s what you want. But I know that’s not what … [Read more…]

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Posted in: Invest, Plan Tagged: 403(b), debt, FSTVX, investing, mortgage, mortgage payment, mortgage payoff, progress, retirement, retirement account

Actions Over Words: 2018 Second Quarter Recap

July 2, 2018 by Penny 10 Comments

It’s a funny thing: to write about the meaninglessness of words. On a blog. Using my words. But I stumbled upon a quote that seemed really profound. Essentially, our words are who we’d like to be, but our actions are who we are. I set some lofty goals for the second quarter of this year, … [Read more…]

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Posted in: Plan Tagged: 529, college, consumerism, cups, goals, quarter 2, recap, reflect, retirement, savings, spending, waste

Celebrating Your Money Wins – Volume 1

June 29, 2018 by Penny 5 Comments

Every money win is a win, no matter how small. We do a phenomenal job celebrating huge financial milestones. We post, we tweet, we share. Some of us even have dedicated debt-payoff GIFs that we send to others. ::cough cough:: via GIPHY She’s adorable. And so excited. I can’t help it! But the smaller money … [Read more…]

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Posted in: Celebrate Tagged: credit cards, customer service, money wins, points, retirement, saving, selling, spending

I’m Frugal…Now What?

October 23, 2017 by Penny 23 Comments

Repeat after me: frugality is not a destination. Setting up a budget, tracking spending, and reducing expenses are all essential parts of understanding money. But mastering a $200 grocery budget or figuring out how to address all the awkward encounters after your cheap semi-annual haircut is not the end. Rather, it’s the means to an … [Read more…]

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Posted in: Save Tagged: freedom, frugal, frugal living, frugality, money, retirement, time

If I Were Rich, Where Would I Be?

October 28, 2016 by Penny 41 Comments

“Oh, dear. Bread and beer. If I were rich, I wouldn’t be here.” My grandma used to singsong this jingle when I was little. I would eagerly ask her where she would be. She was always quick to lock her fingers in mine and return a reminder that we could go wherever I wanted. Now … [Read more…]

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Posted in: Uncategorized Tagged: business, charity, dreams, education, FIRE, giving, loans, passion, plans, retirement, service, sponsored, teaching, travel
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