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Financial Independence – Ultra Frugality vs a Balanced Strategy

Financial Independence Ultra Frugality vs Balanced Strategy

This is a case study of two different approaches to financial independence.  Both approaches were successful, but one much more than the other. A Tale of Two Men On a lovely May afternoon, fifteen years ago, two young men graduated from the same university. These two men were very much alike. Both had been better … 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 that focus only on changes … Read more

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 I’m currently learning about filmmaking.  … Read more