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Living a More Purposeful Life One Cent at a Time

spending

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

We Bought a Car!

September 22, 2020 by Penny 20 Comments

Originally, I considered writing a post in order to crowdsource input, advice, and insight regarding car buying.  But then I remembered that there’s exactly one stance espoused by personal finance gurus: Spend a few grand on a car (always pay cash)…or better yet, ride a bike. Don’t worry. No bikes were purchased in the making … [Read more…]

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Posted in: Spend Tagged: car, car shopping, expense, new car, sinking fund, spending

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

Clorox Wipes, Classrooms, and COVID-19: A Lesson in Accepting Help

March 11, 2020 by Penny 12 Comments

Bow, curtsy, tap toes, wave, smile, nod. These are just some of the handshake alternatives that are enjoying their turn in the limelight. There are also peace signs, Spock signs, salutes, air high-fives. If you’re my middle school students, you might just take to greeting one another with a squirt of hand sanitizer. (Actually, don’t … [Read more…]

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Posted in: Wonder Tagged: classroom, community, friends, gratitude, spending

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

Toddler Money Diary: Valentine’s Day Party Edition

February 10, 2020 by Penny 6 Comments
You Are Awesome Sauce Valentines Day Toddler Party Tag

There are all sorts of ways to make kids expensive. Celebrating every holiday for instance. But as a family that really does love to celebrate, no matter how made up the occasion, we knew that we were going to say yes to Valentine’s Day!  We knew we wanted to avoid a last-minute Valentine’s Day gift … [Read more…]

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Posted in: Spend Tagged: family money, holidays, kids, money diary, parenting, spending, toddler, toddler money diary, Valentine's Day

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

Why We Take Our Toddler Grocery Shopping Every Week

November 18, 2019 by Penny 11 Comments
Why We Take Our Toddler Grocery Shopping Every Week

You probably thought the definition of insanity was doing the same thing twice and expecting different results. That is…until you read the title of this post. Then, maybe you reworked your definition, huh? But we actually purposefully make the choice to take our toddler grocery shopping. Every. Single. Week. And we like the results! In … [Read more…]

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Posted in: Plan Tagged: budgeting, family, grocery budget, grocery shopping, kids money lesson, money lessons, shopping, spending, toddler
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