Personal finance Our last round of IVF In 2021 when I went through IVF to have our second child, we ...
Personal finance Save My Cents Features: Ruowen Huang Livestream, The Jeff Kung Show Save My Cents is honored to have been featured on the Ruowen Huang ...
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Travel A $25K ten-day luxury trip to Japan Introduction Every year, the Save My Cents (Shang and her husband) take a ...
Travel Hawaii: 8 days, 7 nights, 4 adults, 2 kids This is our fourth trip to Hawaii, and the one where we brought ...
Capsule wardrobe My 2023 Clothing Spend We’re back for one of the annual blogs which is a summary of ...
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Personal finance We’ve spent over $90K on what? Since October 2020, the Save My Cents have spent more than $90K in ...
Early Retirement Featured: My FIRE story on Bankrate I’m very pleased to let you know that my story to FIRE has ...
Retirement Should I wait to do a rollover if my investments are down? Great question recently from a coaching client: “I am about to move forward ...
Travel Our nearly $20K 10-year anniversary trip Fall 2023 was when the Save My Cents celebrated 10 years married. For ...
Personal finance Low cost Orange County family things to do I’ve now lived in Orange County, California for a year. It’s flown by ...
Personal finance Featured: HuffPost, BankRate, and CNBC Select The Huffington Post recently published an article you’ve gotta see that is full ...
Personal finance Update: our monthly non-rent costs in Socal The theme of this post is: Lifestyle inflation! {for new readers, BB = ...
Personal finance Save My Cents featured on BlogHer Save My Cents was featured by BlogHer in its insightful article “Women Leaders ...
Early Retirement Why I left the corporate life “You should write your obituary and then try to figure out how to ...
Personal finance Personal finance creators and resources on FIRE and debt free living Save My Cents helps people with their money one cent at a time ...
Personal finance Is this $1,700 baby bassinet worth renting? Both my kids are horrible sleepers as infants. There’s no such thing as ...
Personal finance Save My Cents featured in Nasdaq and Motherly Save My Cents was highlighted in recent articles on Nasdaq and Motherly. Read ...
Personal finance The most expensive gift I bought myself I don’t own a lot of stuff for myself. Nor does hubby. Yes, ...
Investing Your financial advisor is not legally required to invest in your best interest Did you read that right? Yep. There is no law in the United ...
Travel A $6,500 resort vacation in Kauai – we spent $700 Travel hacking is when you use reward points (from credit cards, loyalty programs) ...
Personal finance Give Her Dollars podcast ft. Save My Cents I am so excited that I was able to spend time with Thamina ...
Personal finance Actually, buying a home can be throwing money away I got to hand it to the real estate industry for making everyone ...
Personal finance Capsule wardrobe: What it is, and how to have one of your own One of the categories where I pared back my own personal spending tremendous ...
Early Retirement How a bad 2022 health-wise made me rethink FIRE I’ve known for a couple years that many FI/RE (financial independence, retire early) ...
Personal finance Don’t skip out on estate planning – stories from my audience ** This blog post is not legal advice, I am not an estate ...
Early Retirement Congress has made changes to how retirement works At the end of 2022, Congress passed a $1.7T spending bill which also ...
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Personal finance Focus on the right things when prepping for a newborn My husband and I made the fateful decision 9 years ago to learn ...
Personal finance Stop cooking to recipes – my stupidly simple meal prep method I meal prep for my family at the cost of ~$500 a month ...
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Investing Retirement in the U.S. in a nutshell Let’s. stop. overcomplicating. things. Yes, there are a lot of ways to save ...
Personal finance Non-U.S. Personal Finance Bloggers This list will be updated whenever I can. To contribute, let me know ...
Personal finance Our monthly non-rent costs in Socal 2.5 months into moving to socal, the initial flurry of furnishing the home ...
Personal finance Featured: “NextUp: The 25 Most Influential New Voices of Money” I’m so excited I was named to NextAdvisor’s inaugural list of the 25 ...
Personal finance Fun and frugal: BBs third birthday party BB’s birthday was in October, and we invited over a few of our ...
Early Retirement Is My Money Stuck in My Retirement Accounts? It is a very common misconception that once we put money away for ...
Personal finance How we spent $400+ on extras in September Today I write this blog post on the 25th of September. We moved ...
Personal finance My Five Favorite Productivity Hacks Financial success is a process. As with any project or goal, the first ...
Personal finance How much it cost for us to move cross country The Save My Cents – hubby, me (pregnant), BB, and our two cats, ...
Investing 9 things I wished I knew about buying a co-op A big thanks to “T” from my Save My Cents community for all ...
Personal finance Baddie B Club ft. Save My Cents I am so excited that I was able to connect with Brianna Dunbar, ...
Personal finance How to Do a No Spend Challenge—and Actually Stick to It If you have ever struggled to stick to a “no spend challenge” (or ...
Investing Financial Advisors versus Robo-Advisors One of the most common questions I get here at Save My Cents ...
Personal finance Inbox Zero: 9 Easy Steps to Manage your Emails To anyone who has thousands of unread emails crowding their inbox – there ...
Investing How compound interest works for (and against) you in personal finance Albert Einstein once said that compound interest is the eighth wonder of the ...
Personal finance Funding your retirement vs. funding children’s education Many American parents face a very difficult decision: Should they fund their own ...
Travel Snapshot Review: Sala VIP Miro Lounge, Barcelona El Prat Airport The Save My Cents just recently returned from our babymoon to Barcelona for ...
Early Retirement Why the Save My Cents are moving to Orange County, California As of September 1, we will become residents of Orange County, California. The ...
Travel Babymoon 2: Barcelona and Costa Brava In summer 2022, I spent 10 days traveling through Spain with my husband ...
Personal finance The biblical case for getting out of a financially abusive marriage Here at Save My Cents, I have a passion for spreading awareness of ...
Personal finance If Your Wallet Could Talk ft. Save My Cents I am so excited that I was able to connect with Tiffany Yu, ...
Retirement I left my job. What should I do with my retirement fund? Did you leave a job recently? Now’s a great time to take a ...
Investing Four reasons why you should NOT buy a house in a HCOL area Over the years, homeownership has been sold as the American Dream. If you ...
Personal finance Marriage and money This post may include affiliate links. It costs you no money to click ...
Early Retirement Early Retirement: Maxing Out My Tax Accounts for Max Tax Savings If you have been following me for a while, you know that I ...
Capsule wardrobe My 2021 Clothing Spend From 2013-2020 I pulled back on my wardrobe. I eventually got my annual ...
Personal finance In her own words: A survivor of financial abuse shares her story Introduction: Today’s post features a guest blogger, Emily (@emilyherself on Instagram), who reached ...
Investing Why I am happy with “average investing returns” In my opinion, the best life lived is one that is quiet. Same ...
Personal finance Four Recent NextAdvisor Articles that Featured Save My Cents The mission of Save My Cents is to help people with their money ...
Investing Five basic concepts you need to know about investing Investing can sound intimidating, but when you take time to learn some basic ...
Travel Our 4 day, 3 night trip to Boston We piggy backed on a work trip that my husband took to Boston ...
Early Retirement How I became a millionaire in my early 30s Recently, I had the honor of being featured by Business Insider. In this ...
Travel How we travel hacked Hawaii In 2018 the Save My Cents (just my husband and myself) flew from ...
Personal finance Featured: NextAdvisor, Real Simple, Acorns + CNBC Grow This past month everything was hitting differently in so many different (and good) ...
Early Retirement Featured: NextAdvisor names SaveMyCents as one of 10 financially savvy moms to follow So incredibly honored to have been spotlighted by NextAdvisor, which is a dream ...
Travel Differences between key travel hacking credit card types Shang’s note: Today’s travel hacking post is written by none other than my ...
Travel How to manage your credit score when travel hacking Shang’s note: Today’s introductory travel hacking post is written by none other than ...
Travel Our best travel hack: a luxury vacation worth over $20K I’ll admit I’m really bad about tracking how much our travel hacking is ...
Travel Travel hacking: An introduction Who likes getting things for free? :: raises hands :: I began traveling ...
Debt From bankruptcy and food stamps, to fully funding a retirement In today’s guest post, Kelly Wallace shares how her debt drove her to ...
Personal finance Guest post: How I Made $53,000 in Side-Hustles Side hustling is a great way for someone to diversify income streams and ...
Career Featured: Burntout to Badass Podcast Wow talk about an honor being one of the earliest on a new ...
Personal finance Guest post: Debt freedom vs. Generational Wealth In this guest blog post, I’m so excited to have Joslyn share the ...
Personal finance Guest post: Confessions of a Money Coach Today I’m excited to share a guest post from a fellow money coach. ...
Career Guest post: The Pros and Cons of Applying to Business School in a Recession I’m honored to introduce you all to Ritika of Practical Bloggers. Ritika was ...
Personal finance Advice I would give to high school students I had the honor recently of dropping in on a high school club ...
Personal finance Car Maintenance Does Not Need to Be Hard In the months that I have been spending in Southern California, all I ...
Personal finance Renovating in NYC: Part 4 of ? Who knew that after getting approval from the DOB, it would take another ...
Personal finance How this blog reader plans meals easily using Google Calendar When I was blogging about how to keep food costs low on Instagram, ...
Investing 529: The College Saving Plan How the Save My Cents approach 529s We always wanted children and true ...
Investing Is investing in the stock market really complicated? When we think of stock investors, we think of intense brokers on the ...
Debt Save money and don’t go into debt this holiday season You should not go into debt for the holidays This is my only ...
Debt Food prices are rising, here’s what to do about it Your eyes are not deceiving you, food prices have increased. The main driver ...
Debt Your spending problem could be a psychological problem There are 3 parts to wealth building according to Save My Cents: 1) ...
Personal finance Last Twelve Month Average – the Magic Metric The Save My Cents don’t budget by month. I mean, while we have ...
Personal finance Latest media features Honored and excited to share a few times that I have been featured. ...
Debt When to consider refinancing your student loans You don’t need to be stuck with the student loans and interest rates ...
Personal finance Renovating in NYC, part 3 of ? The slow paperwork slog continues. I learned a lot this past month about ...
Career 7 Important Career Moves You Should Make Before You Turn 30 One of the three pillars of Save My Cents’s framework for financial success ...
Free Download 10 Steps to Student Loan Freedom – free guide Student loans. They’re complicated (sometimes I think on purpose), not easy to pay ...
Career They found purpose in creating books they did not have What happens when you put two extremely capable, talented mothers together with a ...
Investing Wealth draining forces: inflation and depreciation Once I understood the concepts of inflation and depreciation, it was as if ...
Travel How we earned over 100,000 Citi Thank You Points Travel hacking is the act of getting free travel via credit card reward ...
Early Retirement Why You No Doctor Podcast I had the honor of being interviewed by Dominic Zhai on his podcast, ...
Travel How we made over $1,000 with the BofA Premium Rewards Visa Mr. SMC and I love travel hacking – the usage of credit card ...
Personal finance Our baby’s first year costs I’m going to go through, in as much detail as possible, how first ...
Personal finance Renovating in NYC: Part 2 of ? August came and went quietly. July 27: We responded to comments made by ...
Personal finance Featured: Kiplinger – Fresh Voices in Personal Finance I am honored to have been one of three bloggers documented in this ...
Retirement Save My Retirement Masterclass How does the class work? Class registration opens few times a year The ...
Early Retirement Guest appearance, @nerdsguidetofi Podcast I am so excited that I was able to connect with Sarah, one ...
Debt Most common ways to save money: Food This is the mindset I am talking about: Food is fuel. The quality ...
Retirement Retirement account vs. investment – the difference This is a very common source of confusion for many people who ask ...
Retirement Are you paying attention to your public pension? In the United States, around 20% of the workforce are considered public sector ...
Personal finance Renovating in NYC: Part 1 of ? When we bought our home we knew we wanted to do a renovation. ...
Career Five startup secrets that are not really secret Every hour these days I’m being served some advertisement that promises that if ...
Personal finance SAHM: your economic value is over $200K a year “I feel like by staying at home I am not adding any value ...
Career Feature: The COO of a company that helps you save money It takes experience to run a startup. Many entrepreneurs I know are serial ...
Personal finance This YouTuber shows $10K of stuff that makes her happy So I’ve never done this, but I’m going to break something down for ...
Debt Lessons learned from when I owed thousands on my tax return A few years after I began my photography side hustle, I worked with ...
Personal finance Baby’s first year: A few of my favorite things Children cost money. Full stop. So we have been buying a bit more ...
Personal finance Budgeting: Help, I need to get my significant other on board You’ve made your first budget by using the free spreadsheet in this blog, ...
Debt Feature: The journey of paying off $1M of debt – Naseema of Financially Intentional I first learned about Naseema’s story when I heard about her on MissBeHelpful’s ...
Retirement FIRE: From $1,700 to $1,200 a month in non-rent spending In 2013, everything changed. I got married to Mr. Save My Cents, moved ...
Retirement Retirement: Maxing out the 401(k) over 13 years of employment Over the years I have always made it a priority of maxing out ...
Personal finance Retirement: The great Roth vs. traditional debate More than once, I have seen the Roth vs. traditional debate paralyze someone ...
Debt Budgeting: What counts as savings? My husband and I typically calculate a savings rate for an entire year ...
Debt Budgeting: Five reasons why your budget is not working So you’ve created your first budget, and you’ve been tracking for a few ...
Debt Budgeting: How to start with your first budget Your first budget does not need to feel daunting. It simply has to ...
Retirement Retirement: Why tax advantaged accounts matter In this ideal world – a world without taxes, we would be able ...
Debt Five Weeks to Abundance Digital Course In 2013, I began drastically pulling back on expenses while attempting to upgrade ...
Early Retirement How I Found Peace in a Time of Uproar Covid-19, record levels of unemployment, lives brought to a standstill, lives lost, unstable ...
Debt Credit Card Debt vs. Emergency Fund – which one? Today’s very informative post comes from a guest blogger, Patricia Sanders! Patricia Sanders ...
Personal finance Should I do this or do that? Personal finance is a series of trade-offs. And sometimes, the trade-offs are not ...
Career Long-term unemployment sucks. We’ve been there Both Mr. Save My Cents and I know something about being rejected countless ...
Early Retirement My journey to work optional / FIRE in one graphic Recently I presented to a college group on the importance of maintaining mental ...
Personal finance How time blocking keeps my life sane Ever wonder where your day went? How did things not get done? Work ...
Personal finance How a scrappy internet entrepreneur created a lower-cost 401(k) provider for startups In the United States, the 401(k) is the most popular employer-sponsored plan available ...
Debt Why we stay in credit card debt cycles – triggers Credit card debt is one of the most toxic forms of debt to ...
Career WFH office tips – guest post by New York at Home Repeat guest blogger alert! It is no secret that Diane Lowy, founder of ...
Capsule wardrobe FAQ on my Capsule Wardrobe I had a fun Ask Me Anything on Instagram on my capsule wardrobe ...
Personal finance Money Mantras You Need Now and Forever This video was originally recorded for a virtual financial summit. Due to audio ...
Early Retirement Media feature: Is FI/RE possible with coronavirus? Oh hey. I made it to national media again, much thanks to Fox ...
Career Transition into a New Field ASAP: Identifying and Using Your Transferable Skills As part of the Save My Cents ongoing free career content series, I ...
Investing Shang on TV – why are the markets volatile and what can you do financially right now? I had the honor and pleasure of appearing on FOX-2 in Detroit, as ...
Career Finding a Purpose Driven Career with Find Your Voice What are my strengths? How can I define my passion? How can I ...
Career The Art and Science of Resumes This is a guest blog post written by Marlena Holden, a wonderful human ...
Career The Art and Science of Cover Letters This is a guest blog post written by Marlena Holden, a wonderful human ...
Travel Traveling from the end of world – staying calm and socially distant on a 30 hour journey home We ended #wecanyolonow on March 15 and raced home to the midwest (where ...
Investing Real estate investing in New York – fireside chat with JLC & Associates Today’s interview comes from someone who has been instrumental to my own journey ...
Travel #wecanyolonow part 2, week 1 – Fiji This post may contain affiliate links from which Save My Cents receives compensation. ...
Travel Nine essential travel items I loved while traveling with my two / three / four month old baby This post may contain affiliate links. Save My Cents may be compensated if ...
Personal finance Boss lady advice I gave to middle school girls This week I had the honor of being invited to present via video ...
Travel #wecanyolonow Week 7 – Oahu, HI This post may contain affiliate links from which Save My Cents receives compensation. ...
Travel #wecanyolonow Week 6 – Oahu, HI This post may contain affiliate links from which Save My Cents receives compensation. ...
Travel #wecanyolonow Week 5 – Oahu, HI This post may contain affiliate links from which Save My Cents receives compensation. ...
Travel #wecanyolonow Week 4 – Maui, HI Includes travel costs, travel hacking tips, a full 5 day Maui itinerary, and ...
Early Retirement #wecanyolonow Week 3 – Orange County, CA This week we enjoyed some more Orange County food spots and also made ...
Early Retirement #wecanyolonow Week 2 – Orange County, CA It was not always conscious, but in the second week, we pared way, ...
Early Retirement #wecanyolonow Week 1 – Orange County, CA First week - costs of travel, lodging, and food
Early Retirement #wecanyolonow – the introduction Introduction to an around the world trip the Savemycents are taking
Personal finance Everything you need to know about creating an emergency fund Life is unpredictable! The emergency fund (EF) is incredibly powerful because it helps ...
Personal finance Healthcare coverage negotiating tips Healthcare. Over the years I’ve come to regard the American healthcare system as ...
Personal finance Featured: Journey to Launch Podcast I’m honored to be featured today on Episode 122 of the ever talented ...
Personal finance The cost of IVF in New York City For those who are following me on my main blogging platform, Instagram, you’ll ...
Capsule wardrobe 2018 clothing cost tally Here’s my 2018 clothing spend tally. I beat my 2017 spending even with a ...
Debt Setting healthy boundaries in life with other people This is me speaking as an internet therapist, with no licensing and no ...
Personal finance That time Facebook permanently deleted me, a user since day one Sometime overnight on March 6, as I was unwinding from a long day ...
Debt Trigger, Action, Reward – how to curb your emotional spending You ever heard of the HALT framework above? I didn’t make this ...
Early Retirement 2018 Fiscal Year Review Mr. Savemycents and I finally finished tallying our spend in 2018 and are ...
Personal finance Your home has a job for you – guest post by New York at Home I’m so pleased to present a guest post about making wherever you live ...
Debt How to reverse the science of marketing when buying clothes – promotion Part of a multi-part series: Introduction Product Price Promotion Place I left Promotion ...
Retirement How we are saving 5 figures of money this year by donating index funds I’d often seen on charity donation pages the ability to donate stock, and ...
Debt Not keeping up with the Joneses in New York City Today we went out for desserts that cost $20 each. Spoiler alert. They’re ...
Debt How to make more money side hustling I was recently published in this Forbes special piece about side hustling. ...
Investing The first 10 baby steps towards investing There’s a whole reason why people write books on investing. It is because ...
Personal finance How it took 4 months to get thousands of dollars of co-op taxes returned from NYC Given how little literature is out there, I’m going to record and give ...
Personal finance How to sell your clothing on Poshmark Selling clothes is a great way to simplify your closet, earn a little ...
Personal finance What I learned from a weekend in Los Angeles with no car A few years ago, if you told me that I could get around ...
Personal finance Budget Friendly Ways to Have Fun in New York City The following is a guest blog from Caroline, who is a multi-talented creative ...
Investing My first 401k – from $45K to $115K in 10 years The path towards financial independence / retiring early (FIRE) requires two things: Reducing ...
Early Retirement Life is unfair. Use unfair advantages Have you often looked at someone who got a really great deal on ...
Personal finance Healthy Meal Planning on a Budget – Part 3 of 3 – Sample Menu I’m so honored to have my friend Alexandra Nasto guest blog for us ...
Personal finance Healthy Meal Planning on a Budget – part 2 of 3 – Cost Saving Tips I’m so honored to have my friend Alexandra Nasto guest blog for us ...
Personal finance Healthy Meal Planning on a Budget, part 1 of 3 – How to plan I’m so honored to have my friend Alexandra Nasto guest blog for us ...
Capsule wardrobe Capsule Wardrobe: Spring 2018 The last time I showed my closet was back in October 2016, so ...
Personal finance How to reverse the science of marketing when buying clothes – Place Part of a multi-part series: Introduction Product Price Promotion Place “Place” to a ...
Personal finance You filed your taxes. Here’s how to prepare for next year Tomorrow (April 17) is the official deadline to file taxes in the United ...
Recipes $5 meal ideas – Vietnamese spring rolls The bulk of the time prep for this is in the chopping. Then ...
Personal finance Save My Cents x Smart Women Invest Podcast I just did my first podcast y’all! There is so much information for ...
Debt How to reverse the science of marketing when buying clothes – Price Part of a multi-part series: Introduction Product Price Promotion Place Price is a ...
Recipes Meal Planning 101: Setting up your kitchen After rent, one of largest spending categories over which I have control in ...
Personal finance Save My Cents x She Will Rise Q&A Earlier this week, I had the privilege of presenting an introduction to personal ...
Recipes $5 meal ideas: Frozen dumplings Today’s $5 meal idea involves boiling water! Quite literally! For far less than ...
Debt Sample $40 per person per week grocery budget Below is a real life example of a grocery plan I drew up ...
Debt 10 ideas for a financial detox It’s January! Historically, within the Save My Cents club, the month of January ...
Capsule wardrobe How I dress for a 6-figure salary on a 3-figure budget When I made my first clothing budget in 2007, I had a $150 a month clothing ...
Debt How to reverse the science of marketing when buying clothes – Product Part of a multi-part series: Introduction Product Price Promotion Place One of ...
Debt How to reverse the science of marketing when buying clothes Part of a multi-part series: Introduction Product Price Promotion Place I call my ...
Debt Using a plug to save for what matters So you just set up your budget. You added up your monthly spending ...
Capsule wardrobe Stage 3 of a capsule wardrobe: Build. Slowly. The key to having a minimalist capsule wardrobe is knowing exactly what you ...
Debt How to save money but avoid being a hermit? The above question came through one of my friends a few weeks ago ...
Capsule wardrobe Stage 2 of a Minimalist Wardrobe: Day parts You got rid of a bunch of old clothes when I explained how ...
Capsule wardrobe How I designed my capsule wardrobe to fit my NYC closet One of the top reasons why I went to a capsule wardrobe was ...
Recipes Ten kitchen basic ingredients to help you cook cheaply What is so wonderful about each of the ingredients below is that they ...
Personal finance Your dreams are the beginning of personal finance A very common question I receive is: How do I even start? I ...
Debt How to battle vacation envy Let’s talk about that feeling you get that rises in your chest and ...
Recipes The Basic Kitchen After rent, one of largest spending categories over which you have control is ...
Personal finance My No-Spend Challenge for the Winter January and February are great months for fast starting savings because there are fewer ...
Personal finance Five small joys under $10 per person Everyone needs a little bit of joy in their lives. We are human ...
Personal finance Book Review: Rich Dad Poor Dad by Robert Kiyosaki One of the oldest and most classic personal finance books, this book reads ...
Personal finance How to read your paycheck The first thing you want to know when getting into personal finance, is ...
Capsule wardrobe Stage 1 of a minimalist wardrobe: Edit down The day I moved out of college, my parents remarked that I “had ...
Capsule wardrobe 30 outfits using 30 pieces of clothing In December, I challenged myself to create 30 unique outfits from the 30 ...
Personal finance Money Lessons from Sallie Krawcheck and The Fiscal Femme This past weekend I had the incredible luck to share the stage with ...
Debt How to stay on top of holiday shopping and opt outside What does Black Friday (or holiday shopping in general) feel like to you? ...
Recipes $5 recipes: Egg drop veggie soup Ingredients and approximate cost 1 cube of chicken bouillon – $0.08 1 box ...
Capsule wardrobe Minimalist Wardrobe: October 2016 Starting this year, I became inspired to have a capsule wardrobe, or as ...
Personal finance Inflation: The time value of money One of the most basic assumptions we have to make in personal finance ...
Early Retirement Why Save My Cents A couple years ago I came to the conclusion that it was very unlikely ...