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...

Latest Articles

Bathroom Remodel Ideas on a Budget

Bathroom Remodel Ideas on a Budget

  If you’re scrolling on places like Instagram for bathroom remodel ideas on a budget, you’ll find lots of inspiration for sure. The truth is, social media platforms will be able to give you plenty of ideas, but you could find yourself balking at the prices — ...

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How to Save Money For a Vacation

How to Save Money For a Vacation

You’ve planned out where you want to go on holiday and ready to submit your request for time off. You’re excited. That is until you look at your bank account. Maybe you’re thinking about how to save for a vacation in time, given your tight budget. Of course, it...

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How to Save Money at Disney World

How to Save Money at Disney World

If a trip to Disney World is on your bucket list this year, it’s time to start planning now. Whether you’re traveling with friends or family, the costs of a Disney World vacation can start to add up quickly. While you might be tempted to spend money on all the bells...

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How Will a New Credit Line Impact my Credit Score?

How Will a New Credit Line Impact my Credit Score?

  When applying for a new line of credit, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. However, it can still be a smart move!    Your credit score is meant to be used (within reason) The entire point of...

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Should I Use a Debt Relief Company?

Should I Use a Debt Relief Company?

  There’s a big issue when it comes to debt relief companies: it’s hard to tell who is a good guy. Heck, even the language is confusing because debt relief, debt consolidation, debt settlement and credit counseling often get used interchangeably, though they’re...

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What is a Personal Loan and How to Get One

What is a Personal Loan and How to Get One

  You’ve considered debt avalanche and debt snowball and you’re a little freaked out about taking out a new credit card to pay off existing credit card debt with a balance transfer. Channel your best infomercial voice and say “there’s gotta be another way!” And...

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Latest Articles

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...

4 Ways to Decorate Your Dining Room on a Budget

4 Ways to Decorate Your Dining Room on a Budget

  When it comes to decorating, the only way you can really get it wrong is to skip it altogether. You want your home to feel like yours, and the best way to do that is to make thoughtful choices that reflect your personal style! So whether you’re starting from...

10 Tips for Home Decorating on a Budget

10 Tips for Home Decorating on a Budget

  When you’re making plans to decorate your home, the toughest challenge is usually trying to stay within your budget. Even though you have dreams of making it look like a home straight out of an HGTV reality show episode, your bank account can’t handle the...

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