Welcome to Pennies Not Perfection! I’m Mary and I’m obsessed with using personal finance tools to hit big goals.

I’m a tiny bit obsessed with freedom because that is my big goal. I talk a lot about money and building creative online businesses because both can lead to freedom.

Over the years I’ve paid off a lot of debt and taught myself how to handle money. I’m not an expert but I’m here to encourage you to learn about money and take action. You don’t have to be perfect to win with money, you just have to try.

After college I graduated to $22,000 in student loans, $5,000 in credit card debt and no job. I had no plan and I was overwhelmed and scared. I knew that I couldn’t let the situation spiral so I started learning about money through personal finance blogs and magazines. I eventually found Dave Ramsey, and paid off my debt.

Fast forward a few years and I’m also tackling long ignored parent plus loans along with saving for cars, my daughter’s college, and a new home. I run a YouTube channel all about handing my money and inspiring others in budgeting, paying off debt, and using money in positive ways to improve your life. Money can be an amazing tool to improve your life and impact change in the world.

I know too well the stress, anxiety, and depression that debt can bring into your life. If you’re struggling with these negative emotions due to debt, please know that you have everything you need to conquer debt already inside of you. You might need a plan or a little encouragement, but you can do this! Freedom from debt is possible.

Pennies Not Perfection YouTube

In 2017 I made a few videos about my cruise to Alaska, including how much it cost to go on that cruise. I wanted to use video to capture my trip and learn a new skill and that developed into a robust channel where I talk about personal finance topics ranging from how to invest to paying off debt and buying your first home.

YouTube allows me to talk about money and share how being consistent instead of perfect still allows us to achieve all our financial goals!

Pennies Not Perfection Shop

Two year after starting making videos about money on YouTube, I also opened an Etsy shop based on the printables I was using in my own financial journey! I loved making printables to make my budgeting and planning process easier and faster each month and have loved sharing them with others.

My shop is full of debt payoff trackers, savings trackers, and budgeting printables! While it began on Etsy, I now sell there as well as here on my own website.

Create With Pennies Not Perfection

After creating my Etsy shop and finding success with hundreds of sells within the first few months of opening, I started sharing tips, tricks and tutorials on my second YouTube channel.

This channel is all about building a creative online business that allows you to create your project, your income, and the life you want. I love sharing ways you can use your creativity to achieve

Money, Creativity, Freedom

In this website I’ve combined the two things I love talking about the most: managing money well and building a creative online business. These things might not seem connected but the thread that goes through both is the ability to use these processes to create more freedom in your life.

By handling money well I’ve freed myself from the anxiety and stress of a large debt burden. By creating an online business I’ve increased my income and built multiple revenue streams which freed me from the stress of relying on a job solely for my income. These things have helped create more freedom in my life and they can do the same in yours.