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Living a More Purposeful Life One Cent at a Time

saving

You Can’t Always Make More Money

August 5, 2021 by Penny 16 Comments

One of the most common pieces of advice in personal finance is to increase your income. It’s a solid suggestion. Until it’s not. The truth is that you can’t always make more money. There are a lot of instances when layering on a side income or two is hugely advantageous. I’d argue that in just … [Read more…]

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Posted in: Save Tagged: frugality, income, maternity leave, saving, spending, teaching

Saver’s Remorse: When Your What Overtakes Your Why

March 3, 2021 by Penny 9 Comments
Trail Marker Mountain Journey Savers Remorse

We’re all pretty familiar with buyer’s remorse. In fact, most of us learn the concept the hard way. Maybe the truth didn’t even sink in until after the return period ended. The horror. But what about saver’s remorse? Is it even a thing? Not only would I contend that saver’s remorse is absolutely real, it … [Read more…]

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Posted in: Save, Spend Tagged: buyer's remorse, extreme frugality, frugality, maternity leave, saver's remorse, saving, vacation

10 Ways Our Saving and Spending Shifted This Past Year

February 9, 2021 by Penny 2 Comments
coins piggy bank spending saving shifted

Just about a year ago, scientists and money nerds alike started talking a lot about exponential growth a whole lot. Around that same time, I noticed a really unusual run on frozen pizza that had nothing to do with sporting events. Of course, as we know now, we were headed full throttle into a pandemic … [Read more…]

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Posted in: Save, Spend Tagged: budget, COVID, goals, pandemic, saving, savings goals

Making Food Waste Our Financial Focus

January 12, 2021 by Penny 6 Comments
Food Waste Garbage Pile

If you follow me on Twitter, you know I battled wicked heartburn thanks to a tasty but aggressive jalapeno ranch salad…and then promptly ate the rest for lunch the next day.  This isn’t just a reflection of who I am (it is a compelling snapshot!); it’s also a reflection of my focus. For us, the … [Read more…]

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Posted in: Plan Tagged: food waste, goals, grocery budget, grocery shopping, saving

When Your Money Goals Feel Like an April Fool’s Joke

April 1, 2020 by Penny 4 Comments

I’m not going to lie. I’m not even sure when I lost sight of my goals this quarter, but I do know that by the time March 31 rolled around, those goals were the last thing on my mind. The fact that I was truly worried about trying to get more sleep and save money … [Read more…]

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Posted in: Plan Tagged: COVID-19, failure, goals, pivot, saving, spending, teaching

5 Ways I Saved & Earned This Week – Volume 3

March 2, 2020 by Penny 4 Comments
Planning to Save and Earn More Each Week

Last week was weird. It alternated between feeling like a typical February in the classroom (Children climbing the walls! Teachers climbing the walls!) and something totally atypical. Between worries on Wall Street and people bracing for the possibility of a pandemic, things just felt strange. Still, saving and earning took priority over worrying in our … [Read more…]

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Posted in: Save Tagged: apps, couponing, returns, saving, spending, teaching

Ice Cream & The Value of a Dollar

February 19, 2020 by Penny 12 Comments
Buying Ice Cream Cones to Learn About Money

There’s so much talk about teaching kids about money. When do you start? How do you start? What’s saying too much versus saying too little? I can’t claim that I have that entirely figured out. Heck, I can’t claim that I have anything about parenting entirely figured out. But I do know that our toddler does already … [Read more…]

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Posted in: Spend Tagged: budget, family, family money, money lessons, saving, shopping, spending, toddler, toddler money

7 Ways I’m Curbing Impulse Spending Over the Holiday Weekend

January 20, 2020 by Penny 3 Comments
7 Ways I'm Curbing Impulse Spending This Holiday Weekend

There’s a scene in the movie Clueless where Alicia Silverstone’s character is accused of being aimless. She insists that she has direction, and is promptly chided, “Towards the mall!” That, friends, was me in a nutshell for years. Decades really.  I didn’t have any concrete financial ambitions or direction. And I shopped like it was … [Read more…]

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Posted in: Save Tagged: baking, consumerism, create, creating, creative, decluttering, impulse buys, sales, saving, shopping, spending

Why I Still Pick Up Pennies: An Updated Manifesto of Sorts

December 2, 2019 by Penny 51 Comments
Why I Still Pick Up Pennies A Manifesto of Sorts

Six years ago, it was a late Thanksgiving. I know because we celebrated it with my nana the same as we did every year, and my mom ordered the biggest cheesecake anyone had ever seen. After all, it was Thanksgiving, and it was also my nana’s birthday. She turned 93. She squeezed my hand so … [Read more…]

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Posted in: Wonder Tagged: charitable giving, community, giving, grandma, grandparents, Nana, pennies, saving, spending

Fall Family Fun: Is Apple Picking Worth It?

September 30, 2019 by Penny 12 Comments
Pulling a Wagon While Apple Picking

Is apple picking worth it? We can–and do!–go to the store and score apples for less than what we pay at an orchard. So, from a purely mathematical standpoint, this would be the shortest post ever. Even by my standards. Fortunately, personal finance is rarely ever just a numbers game. To us, apple picking is … [Read more…]

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Posted in: Spend Tagged: apple picking, family, family fun, saving, sinking fund, spend, toddler
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