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

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...

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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...

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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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Latest Articles

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:...

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,...

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...

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...

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...

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