Frugally Stupid: Graduation Celebration

graduation-1I’ve done a lot of foolish things for the sake of frugality. That one time I kept using hair product after I lopped off 7 inches of hair. It didn’t make my hair look better. In fact, it looked sticky and frizzy and ugh. But I didn’t want to be wasteful. Then, there was that other time that I bought a fancy shampoo, and it gave me really attractive pimples all along my forehead. Can’t throw that out. No. I spent $7 on it. But that’s not what this post is about. Those are things that I can laugh about, things that I can just chalk up to being Penny. You know, adorably awkward Penny.

This is something entirely different. If it doesn’t cross the line from frugal to cheap, it certainly sits right on it. And it’s downright stupid. Continue reading “Frugally Stupid: Graduation Celebration”

Frugally Stupid: Graduation Celebration

Test Your Budget with the Power of 12

BudgetIs your budget really as smart as you think it is? One of the first things many people do when they are trying to get their financial fitness on is to create a budget. Undeniably, there is a requisite amount of trial and error involved in the first few passes. A budget should meet everyone’s needs, be grounded in reality, and align with your goals, values, and charitable priorities. Flexibility is key. For a long time, I was pretty pleased with our budget. After all, it allows us to save 42% of our after-tax income without factoring in any side hustle money. And that doesn’t even include the 10% of our pre-tax income that we each pay towards our respective pension plans every year. Clap louder. I can’t hear you this far away.

While it seems like we’re sitting pretty with our line items each month, it turns out that the true test of a budget involves the magic number twelve. That’s right. Yearly budgets lend an equally powerful perspective. Even if you already have your budget broken into percentages, the yearly totals either get a little harder to swallow when you think of what else you could be doing with some of that money, or the numbers will inspire you to take a victory lap around the kitchen table. I put our budget up to the test and multiplied every line item by 12. Below, I share just a snapshot of the good, the pricey, and the ridiculous:  Continue reading “Test Your Budget with the Power of 12”

Test Your Budget with the Power of 12

The Price of Politeness

PoliteThere’s a fine line between being polite and being a pushover, and it’s a line that I’ve danced along for the majority of my life. Chaulk it up to a consequence of my incredible awkwardness, but speaking up for myself in person has always been more than just a little bit challenge. Like, a whole lot more. 

It wasn’t until I watched the most recent episode of The Big Bang Theory that I realized this struggle between polite and awkward is very real. At the beginning of the episode, Sheldon recalls, “You know, once I ordered an Uber by accident. I just got in it and went somewhere.” Granted, I have yet to use the Uber app, but this snafu is striking similar to some too-recent moments when my politeness cost me. Thankfully, I’m finally learning how to do something about it.  Continue reading “The Price of Politeness”

The Price of Politeness