Use a 30 Day Challenge to Help you with COVID-19 Isolation
A 30 day challenge is a way for you to gain some control over your circumstances, and is a great way to overcome anxiety during this trying time.
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Learn to pay YOURSELF first by always saving some of what you earn
Wealth Strategy: Build a Personal Wealth Binder
Build a personal wealth binder to contain all the financial planning and analysis tools you generate while building a wealth creation strategy.
Change Your Money Mindset with the Kakebo Budget
This minimalist Japanese budgeting method could be just the process you need to jump-start your savings. Download three free Kakebo budget worksheets to try it out!
Financial Independence – Ultra Frugality vs a 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 … Read more
Write a Personal Manifesto to Define Your Dream Life
A personal wealth mission statement defines your ideal life. It reflects your personal values and goals related to your future #FI lifestyle. Find out more…
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
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
4 Top Places I Keep My Savings
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