Pennies Not Perfection

Budgeting can feel a lot like guessing and failing in the beginning. You can save yourself time by using worksheets or an app that guides you through the process but the basics of creating your first budget are actually easy. You need to figure out how much money you are bringing in and how much money you are spending. For most people you are going to budget your after tax post deduction ...

Have you lost your job? Was your income cut in half by a lost contract? Was your entire department laid off? There are many ways you might end up in a financial crisis but regardless of how it happened there are a few common things you should do to make it through. Your budget priorities during a crisis like a job loss or coronavirus mean you are covering the basics and moving into survival ...

I wrote about how to handle uncertain times in the time of a global pandemic over the weekend, but today I want to specifically share more financial steps you can take during an emergency like Coronavirus. There are things you should do with your money to put yourself in a better position! Only pay debt minimums Student loan interest is currently paused by the administration and while ...

I recently shared a video with some of my thoughts about how we plan to weather the potential effects of the coronavirus as it sweeps through the United States. There is a lot of uncertainty right now and people are panicking and buying unnecessary supplies and generally don't know how to act. While there is a need for concern and cautious, responsible action - there is no need to panic. ...

Starting an Etsy shop in 2019 was a wonderful addition to my online business. It helped grow Pennies Not Perfection by leaps and bounds and also gave me a new creative outlet that I fell in love with. Etsy fulfilled many personal and business needs for me, but I wish had known more about Etsy when I started. Today I'm sharing a few of the lessons I wish I knew before I started my Etsy ...

Are you prepared for an emergency? Do you have supplies to last multiple days if you lose power or must be quarantined? Most Americans don't and until a few weeks ago - we didn't either. Recently we decided to start a stockpile of supplies and emergency needs in order to weather different emergencies - from coronavirus shutdowns to weather events and power outages.  Why We Decided ...