Penny Pinching Annie

11/02/2026

NOVEMBER CHALLENGE
1. Skip the buy now, pay later
2. STOP LENDING MONEY
3. Save at least $50 (or whatever your budget allows)
4. Open and fund a HYSA
5. Track every dollar (USE PEN & PAPER IF YOU MUST)
6. No impulse buying
7. Use credit cards RESPONSIBLY
8. Set a holiday budget and stick to it.
9. STOP LENDING MONEY (This needed to be said twice)
10. Build or replenish your emergency fund.
11. Review your subscriptions (pause or cancel them)
12. Start preparing your 2027 financial goals.

November is about being intentional with our money. Let’s finish this year stronger financially. Which one of these are YOU committing to this month?

#2 & #5

09/17/2026

The Emergency Fund Challenge

08/21/2026

📌Successfully saving money 💰 does not come without discipline & sacrifice.

08/12/2026

It’s been a while since I’ve posted! I’m a new mommy, so I’ve been adjusting to my new normal, but one thing that hasn’t changed is my relationship with my finances🪙⭐️.

People ask me all the time, “How did you get your credit score?” Long story short… I worked my ass off, bookie😂!

Every dollar has an assignment. The #1 thing I tell anyone looking to get started is PAY YOUR BILLS ON TIME.

Contrary to what people say, credit does matter. You don’t have to do everything overnight. Small steps are still progress.

Start today. Your future self will thank you💳✨.

03/20/2026

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07/18/2025

Here are ways you could be losing money 💰

➡️ Bank fees
➡️Unused subscriptions
➡️Food wastage
➡️Impulse purchases
➡️ Not shopping around
➡️ Not tracking spending

06/30/2025

✅Ways to maximize your credit score
Keep your utilization low
Keep old accounts open
PAY YOUR BILLS ON TIME
Dispute errors
Pay off debt
Avoid hard inquiries

05/23/2025

⬇️⬇️⬇️⬇️⬇️

04/03/2025

Financial self-love checklist 💫📋💰

01/13/2025

Why are you still paying for subscriptions you don’t use or need?! You’re leaving coins on the table