All posts by Your Penny Blogmother

Serial list maker. Compulsive window-shopper. French fry addict. Pizza connoisseur specializing in taking selfies. I am a millennial who, through pure dumb luck, managed to be continuously employed during the worst recession this country has ever seen. I come from an immigrant family, making me a multi-lingual 3rd culture kid with incredible cultural baggage. I am a wife and a daughter. These are my thoughts on life, people and money.


Path to a Million: 2017 Q3

Another quarter, another net worth update. This time is no different. My laser focus on keeping a tight budget has ensured continuous success with my net worth slowly but surely climbing through a combination of debt reduction and asset appreciation. I’m adding more to liquid savings, increasing retirement contributions in addition to accelerating my debt ...


Solar Update – September 2017

It’s time for another usual event: getting excited over receiving my utility bill. This year was my first full summer with the panels and I am pleased to report that they are performing as expected. I’ve had negative balances consistently since May which means not only do I not have to pay for the electricity, ...


Fraud Alerts, Hacks, and Insider Trading

You’d have to be under a rock to not have heard of the Equifax hack that exposed the personal information of millions of customers (143 millions to be exact) that amount to essentially 1/2 of the entire U.S. population. It’s alarming and frustrating because the nature of their organization does not allow us to opt ...


Not Saving Could Cost You Your Life

I am glued to my screen, just like every other American, watching in horror as disaster after disaster ravage the Caribbean and southern states. As I see the images unfold, I watch with sadness but also with frustration as news networks routinely interview people who refuse to refuse to evacuate. While I understand that some ...


What Can you do with $1,400 a Month?

I don’t know about you, but for me, not much. But according to the Social Security Administration, that is approximately the average monthly benefits that retired seniors were receiving as of December of 2016. This highlights the importance of having limited reliance on Social Security income later in life. It is no longer enough to have ...


The Case Against Automatic Payments

Saying that you’re against automatic payment in the world of personal finance definitely makes one an outsider. Most personal finance bloggers or advisers will tell their audiences to set up automatic payments. The common argument is that you’re less likely to forget about a bill than your online banking software. If you tell your bank ...


How we use our Employment Benefits to Maximize Every Dollar

There is more to your job than just your salary. Most people receive some kind of benefit at work. Whether they are non monetary like a flexible schedule or more tangible like an employee discount, we get more from our employers than our paychecks. Here are four valuable benefits that we use (or have used ...