Why This Personal Wealth Strategy Tool is a Game-Changer


The road to success is paved with <fill in the blank>. Hard work? Determination? Good ideas? Yes to all of that, but without a winning personal wealth strategy, its like wandering in a forest at night with no flashlight.  Many people who are seeking financial independence don’t have a solid … Read more

How to Make Passive Income With Domain Flipping

Make Passive Income with Domain Flipping

What is Domain Flipping? Domain flipping is the business of buying domains that aren’t currently owned for a low price and selling them for much more.  If you pay attention to pop culture and are quick, you can snag some highly desirable URLs and resell them for hundreds or thousands … Read more

How Lifestyle Creep Traps the Middle Class

How Lifestyle Creep Traps the Middle Class

The Concept of Lifestyle Creep Looking back at the last 16 years of my career, its obvious to me what I could have done differently with my earnings.  When I started out in my first staff accountant position in 2004, I was making $13.00 per hour.  I was a single … Read more

Investment Income Report – Jan 2020

BeyondPennies Monthly Income Report

January was a good month in the market. I booked a gain of $1,029 or 4.7% on my brokerage account. The trades made during January were 75% options trades and 25% stock trades.  I use tastyworks‘s web platform for all of my trades. My most frequently traded equities were $AMD, … Read more

How to Build Your Budget Like a Business

How to Build Your Budget Like a Business

During my career as an accounting and finance leader working for healthcare companies of $50M up to $350M in annual revenue, I built many budgets from scratch.  I’ve followed budget processes that were extremely detailed and tried to take into account every penny of cost, and I built high-level budgets … Read more

3 Primary ETFs for Option Trades

3 Primary ETFs for Option Trades

What is an ETF? An ETF is an Exchange-Traded Fund that investors can buy or sell shares of, much like normal stocks.  Many investors like ETFs because they resemble a “basket of stocks” like mutual funds, so its an easy way to diversify a portfolio.  There are many ETFs to … Read more

4 Top Places I Keep My Savings

Top 4 Places I Keep My Savings - Interest Savings Account

Don’t keep your cold cash in the freezer! Learn about the 4 top places to keep your savings and the benefits of each option.

Welcome to Beyond Pennies!

Hi, I’m Shelley, a financial analyst and corporate executive with an MBA and more than 15 years of experience helping companies grow profits.  I’m also an active options trader, Excel guru, and mother to three lovely children who are 21, 2, and 1.   I enjoy sailing, photography, content creation, and … Read more