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Living a More Purposeful Life One Cent at a Time

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Finding $500: What to do with Extra Income

February 19, 2018 by Penny 29 Comments

What would you do if you found an extra $500 in your budget? I mean, after you dry your tears of joy and dance around the kitchen (quietly, though, there’s a baby). After my salary was slaughtered this year thanks to an unpaid maternity leave and a bizarrely written contract that landed me with a … [Read more…]

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Posted in: Save Tagged: budget, e-fund, extra income, mortgage, mortgage payoff, raise, saving, savings, spending

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

Four Things I Wish I Knew About Financial Progress

February 1, 2018 by Penny 25 Comments

We chat about money. We track our spending. We even make a laughably simple budget every month. (Hello, “Make a Copy” in Google Sheets.) My husband and I have also crushed some major milestones. Some that I’ve celebrated here and others that I haven’t talked about yet. We’ve paid over $80K towards our debt in … [Read more…]

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Posted in: Save Tagged: budget, childcare, compounding, credit score, interest, investing, plans, saving

Frugally Awesome…or Awkward: Holiday Edition

January 3, 2018 by Penny 34 Comments

The holidays are full of awkward moments. Like when your mother-in-law excitedly shepherds you into the family room to see the new family photos she framed. Your two sisters-in-law look like they stepped out of a magazine. And you? Well, you look like a cross between a Goodyear blimp and Violet Beauregarde because that’s what … [Read more…]

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Posted in: Wonder Tagged: awkward, budget, Christmas, frugal, holiday, saving, spending

Frugally Awesome…or Awkward: Baby Items Edition

September 20, 2017 by Penny 7 Comments

Now that I’ve been a mom for two months, I know precisely two things: when it comes to kids, there are lots of opportunities to spend money and there are lots of opportunities to embarrass yourself. Take, for instance, the weekend I stood up in a wedding. I met the other bridesmaids at the nail … [Read more…]

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Posted in: Spend Tagged: awkward, baby, cheap, diapers, frugal, frugal fail, newborn, saving

Penny Found: A Money Matters Roundup

July 19, 2017 by Penny 7 Comments

See a penny, pick it up, and all the day you’ll have good luck. That’s kind of what this roundup is. While it may not make you any luckier than you already are, it will definitely make you wiser when it comes to all things money. These are some of my favorite posts from some … [Read more…]

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Posted in: Guest Posts Tagged: blogging, FinTech, investing, mutual funds, saving

Summer Money: June to July Goals

June 28, 2017 by Penny 9 Comments

Somehow I blinked and now July is staring back at me when I look at the end of this week. While I took a break from a lot of my summer side hustles this year, it’s not been all quiet on the money front this June. Without further ado, here’s the often-promised, never-delivered goal recap … [Read more…]

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Posted in: Plan Tagged: garden, gardening, ghostwriting, goals, income, saving, side hustle, summer

The Problem with Avocado Toast

May 17, 2017 by Penny 42 Comments

To borrow a line from Clueless, I’m about to turn traitor on my generation for a second. Avocado toast is a problem. It’s certainly not holding back an entire generation from homeownership. There’s bloating housing markets, student loans, and myriad other factors doing that. But I’m not willing to let this breakfast item du jour … [Read more…]

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Posted in: Wonder Tagged: avocado toast, consumer culture, consumerism, Instagram, intentional spending, lattes, saving, spending, trends

The Stupidity of the Side Hustle

May 1, 2017 by Penny 84 Comments

Read virtually any get out of debt success story, and you’re pretty much guaranteed to see two words: side hustle. Want proof? Take a look at ours. It has side hustle written all over it. For as long as I’ve been blogging, I’ve had a lotta-love, little-hate relationship with side hustling. Because my primary side … [Read more…]

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Posted in: Make Tagged: affiliate links, budget, effort, extra income, MLM, passion project, saving, side hustle, spending, time, truths

The Inheritance That I Never Spent

March 29, 2017 by Penny 37 Comments

“What would you do with $5,000? Would you buy one of those purses or would you take a nice cruise?” The thing about my nana is that it was never really all that hard to tell exactly where she stood on an issue. A master of both Italian guilt and loaded questions, if she wasn’t … [Read more…]

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Posted in: Spend Tagged: estate, family, inheritance, Nana, saving, spending
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