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Living a More Purposeful Life One Cent at a Time

savings

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

One Last Big Money Move of the Year

December 16, 2019 by Penny 14 Comments
One Last Big Money Move of the Year

One last big money move of the year. I was going to say decade, but I decided to take a little pressure off you. Pressure off me? It’s your money, Penny. I know that’s what you’re thinking. It is my money, and ultimately, it’s my decision. But like most things in life on this blog, … [Read more…]

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Posted in: Invest Tagged: debt, emergency fund, investing, IRA, mortgage, mortgage payoff, roth IRA, savings

Is it Lifestyle Inflation or Do I Need to Adjust My Budget?

November 13, 2019 by Penny 18 Comments
Is It LIfestyle Inflation or Is It Time to Adjust My Budget?

Confession time, fam. I keep busting our budget. The whole thing doesn’t go up in flames, but category after category, month after month, I keep going over budget. So as I scrolled through the spreadsheet last month, I found myself wondering if this is lifestyle inflation at its undiagnosed finest…or do I need to adjust … [Read more…]

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Posted in: Plan Tagged: budget, family money, grocery budget, lifestyle inflation, parenting, savings, spending

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

Celebrating Your Money Wins – Volume 23

September 25, 2019 by Penny 5 Comments
Selling Old Parts on eBay and Other Money Wins

Do you watch the register and check your receipts when you’re checking out at the store? Usually, I pay close attention…but when I’m shopping with a toddler, my focus is a little lackluster. Mostly because I’m trying to apprehend him before he puts every bag of M&Ms he can find on the conveyor belt. Thanks … [Read more…]

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Posted in: Celebrate Tagged: childcare, daycare, eBay, investing, parts, reselling, sales, savings, selling, travel hacking, used items

Should I Worry About Christmas in July?

July 24, 2019 by Penny 3 Comments
Smartphone Apps to Make Money for Real

OK, fine. Worry isn’t the right word. But I am *thinking* about Christmas in July. And if you celebrate that holiday or have any other big end-of-year plans, you should probably be thinking about it, too. Why? Because if you plan far enough in advance, it can be painless and, dare I say, enjoyable. In … [Read more…]

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Posted in: Make Tagged: apps. sinking fund, Christmas, holiday, PayPal, savings

The Purpose of Frugality: Find Your Why

May 22, 2019 by Penny 7 Comments
Why Would Someone Want to Be Frugal

“But what’s the point of not really buying anything all the time if we don’t do this?” A comment my husband made while we were mapping out our summer plans stopped me in my tracks. Once again, I forgot the why of frugality. We were knee deep in the middle of ideas–literally. Our dining room … [Read more…]

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Posted in: Save Tagged: 529, budget, child, friends, frugal, frugality, fun, kids, priorities, purpose, savings, travel, values

Celebrating Money Wins – Volume 15

April 17, 2019 by Penny 4 Comments
Celebrating Money Wins 15

I used to confess this money secret pretty regularly, but I haven’t made mention of it for a while. I don’t track our net worth. Famously. Infamously. Stupidly. While it’s a rationale that’s probably complicated enough to merit a whole post, the short answer is that net worth doesn’t mean much to us right now. … [Read more…]

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Posted in: Celebrate Tagged: apps, childcare, coupons, daycare, Ibotta, mortgage, rebates, savings

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

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
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