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Living a More Purposeful Life One Cent at a Time

savings

Slashing Our Cell Phone Bill by Half

March 13, 2017 by Penny 28 Comments

How much do you spend on a phone each month? As of last month, we spent $170 a month on two phones. And we’d been doing so for years. After a fair amount of hemming and hawing mixed in with waiting out the duration of our contracts, we decided to put a stop to the … [Read more…]

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Posted in: Save Tagged: Boost Mobile, budget, cell phone, low-cost carrier, plan, savings, secondary provider, Sprint

Savings Advice for Windfall Season

February 8, 2017 by Penny 34 Comments

Windfall season is upon us! Extra paycheck month and tax time are both nearly here. Of course, I know I’m not actually coming into any money that isn’t already mine. In fact, if I wanted to go all Debbie Downer on you, I’d point out the fact that this is actually money I’ve already earned, … [Read more…]

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Posted in: Save Tagged: baby, extra paycheck, future, planning, roth, roth IRA, savings, tax refund, tax return, Vanguard

Deciding When and Why to Spend

February 6, 2017 by Penny 20 Comments

Why do you save? This question is spotlighted enough in the personal finance world that if I asked it in a room, I’m sure I’d see arms waving everywhere. For a rainy day, a downpayment, early retirement, any type of retirement. Pick a goal, slap it on your savings account. But what if I asked … [Read more…]

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Posted in: Spend Tagged: budget, mall, planning, savings, shoes, shopping, spending, YOLO

Our ’17 Mortgage Plan: Advice Wanted

January 23, 2017 by Penny 34 Comments

It’s no secret that I hate my mortgage. It’s no secret that I don’t believe there’s such a thing as good debt. But we do really love our house, our neighborhood, our short commutes, and our proximity to family. So we grin and bear it. Since I fell into personal finance, I’ve taken a Bandaid … [Read more…]

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Posted in: Plan Tagged: debt, double payments, homeownership, house, maternity leave, mortgage, payoff plan, savings

Am I Hustling Too Hard?

July 15, 2016 by Penny 26 Comments

At the beginning of the summer, I outlined my grand plans to earn extra income this summer. And grand they were. Summer school wraps up today, and I only have two more meetings on the docket. Thanks to all of my school-related side hustling, I’ll have clocked in just shy of $3500 after taxes. That … [Read more…]

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Posted in: Side Hustle Tagged: extra income, hustle, mindfulness, mortgage, purposeful, rest, savings, simple, summer school, teacher, tutoring

Harnessing the Power of Not Yet

June 29, 2016 by Penny 17 Comments

Letter grades are one of the hallmarks of the American education system. Whether it’s an A or an F or something in between, letter grades define our academic abilities as students for nearly two decades of life. And then what? People still talk about succeeding and fret at the notion of failing. What would happen if … [Read more…]

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Posted in: Uncategorized Tagged: advice, failure, goals, help, investing, journey, progress, savings, self-improvement

Frugally Awesome…Or Awkward: Part 4

June 27, 2016 by Penny 22 Comments

There’s something about money: It brings out the best, the worst, and the most awkward side of people. Since I’ve dedicated a fair amount of time this summer to side hustling, I’ve had to do some explaining for how I’m spending my time. I get it. A lot of people think teachers have summers off … [Read more…]

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Posted in: Uncategorized Tagged: finance, hustle, money, savings, side hustle, travel

3 Investment Mistakes I’m Trying to Fix

June 20, 2016 by Penny 24 Comments

Since this is a post on investments, let’s get the platitudes out of the way: You’re in it for the long-haul. Look at the market’s performance over time. It’s just a bump in the road. That many Bogleheads can’t be wrong. This also isn’t going to be a post about how my dividends are now … [Read more…]

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Posted in: Invest Tagged: FIRE, investing, retirement, roth IRA, savings, Vanguard

5 Money Lessons from Dad

June 17, 2016 by Penny 10 Comments

My dad’s been teaching me lessons my whole life. Whether it was showing me how to dry the floor with a towel underfoot only to be busted by Mom or helping me build a sarcophagus to scale for a history project, my dad’s wisdom knows no bounds. And with Father’s Day fast approaching, I thought … [Read more…]

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Posted in: Savings Tagged: dad, DIY, minimalism, quality, savings

I Know When I’ll Make 6 Figures

May 16, 2016 by Penny 31 Comments

No, I don’t have a crystal ball or a super power. I have a salary schedule. In addition to revealing exactly how much money my coworkers make, a salary schedule also lets me predict the future in the sense that I know exactly when I’ll crack the six-figure salary mark. I imagine there are a … [Read more…]

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Posted in: Make Tagged: career, future, money, planning, salary schedule, savings, six figures, teaching
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