Penguin Thoughts

Your money-saving prodigy penguin writes

Charlie’s Freebies

  Every week I scan the internet to find you free things. One of the many reasons why the...

8 Tips to Score the Best Deals on Amazon Prime Day

  Summertime and the savings is easy. This rings especially true if you’re an Amazon Prime...
Charlie’s Freebies

Charlie’s Freebies

One of the many reasons why the internet is the best thing ever is that people are constantly giving stuff away for free. Here are Charlie’s top picks this week.

Latest Articles

How To Get In The Habit of Saving Your Money

How To Get In The Habit of Saving Your Money

  Saving money is one of the hardest things to talk about and even harder to actually do. According to a Bankrate Survey, 30% of Americans have no emergency savings, and a $1000 unexpected cost would push them into debt. These are the staggering, maybe slightly...

read more
How to Choose A Budgeting Method

How to Choose A Budgeting Method

  Choosing the right type of budget method for you is a tricky process. Many budgeting methods include dozens of budget categories which can get overwhelming fast. (I’m looking at you, Mint.)  Over-categorizing your budget takes the fun out of enjoying the money...

read more
Why You Need an Emergency Fund and How to Build One

Why You Need an Emergency Fund and How to Build One

  No matter where you are in your financial journey, having an emergency fund is crucial to achieving financial freedom. Building some emergency savings should be your top priority in terms of financial goals. Emergency funds are exactly what they sound like:...

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How to Decorate a Studio Apartment on a Budget

How to Decorate a Studio Apartment on a Budget

  A studio apartment is an all-in-one kind of deal. With one open space to hold your bedroom, your kitchen, and your living room, it’s a home without barriers that’s full of possibilities.  While the idea of a studio apartment may seem cozy and romantic to some,...

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9 Affordable Ways to Decorate an Apartment

9 Affordable Ways to Decorate an Apartment

  Whether it’s the difficult economy, a challenging job situation, or just the desire to upgrade, small apartment decorating on a budget can be a tough task. However, with the right tips and tricks, you can do a lot with a small space. If you’re considering...

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8 Affordable Patio Decor Ideas

8 Affordable Patio Decor Ideas

  Your patio is the ideal place to bask on a summer evening, enjoy a brisk autumn morning, or totally replace your living room in the spring. Even a small patio can allow you to host larger gatherings, and incorporating the seating into the decor will liven it...

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6 Beach House Decor Ideas on a Budget

6 Beach House Decor Ideas on a Budget

  Whether you’re sprucing up an actual beach house or you want to bring those relaxing sun-and-surf vibes to your landlocked home, there are plenty of affordable ways to make it happen.  But first, it’s crucial to make a firm budget. The more committed you are to...

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12 Bathroom Decoration Ideas on a Budget

12 Bathroom Decoration Ideas on a Budget

  Your bathroom is so much more than a place to hide away your toilet. Even if you’re only in the shower for a few minutes, your brain has the rare opportunity to work without the constant input you have to deal with the rest of the day. The best approach with...

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5 DIY Baby Shower Decoration Ideas on a Budget

5 DIY Baby Shower Decoration Ideas on a Budget

  As exciting as a new baby can be, it can also be a time of stress anxiety. That’s why baby showers are so important! Though the gifts, games, and themes can be silly, they give parents (or parents-to-be) the opportunity to be surrounded by loved ones. It’s a...

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Latest Articles

How To Get In The Habit of Saving Your Money

How To Get In The Habit of Saving Your Money

  Saving money is one of the hardest things to talk about and even harder to actually do. According to a Bankrate Survey, 30% of Americans have no emergency savings, and a $1000 unexpected cost would push them into debt. These are the staggering, maybe slightly...

The Ultimate Guide to Understanding Your Credit Score

The Ultimate Guide to Understanding Your Credit Score

  When you turn the magical age of 18 years old, you officially become an adult in the eyes of the western world - meaning that you are responsible for the consequences and benefits of your spending choices.  Soon you’ll begin to receive credit card and personal...

How to Choose A Budgeting Method

How to Choose A Budgeting Method

  Choosing the right type of budget method for you is a tricky process. Many budgeting methods include dozens of budget categories which can get overwhelming fast. (I’m looking at you, Mint.)  Over-categorizing your budget takes the fun out of enjoying the money...

Charlie works for you. He tracks your spending, then gives you advice that is specific to your patterns, preferences and data.