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Money

10 Tips to Develop a Business Mindset

My cousin in San Francisco loved to bake. For years she sold cupcakes from her tiny kitchen, earning just enough to cover groceries. One night, after yet another 2 a.m. … Continue reading

Categories Making money, Money

10 Financial mistakes to Avoid in Your 40s

You’re 42, rushing from work to soccer practice, paying on a mortgage, and staring at a college-fund statement that feels stuck on repeat. The paychecks are finally bigger, yet your … Continue reading

Categories Debt Freedom, Life, Making money, Money, Retirement

10 Business Expenses Commonly Overlooked by New Entrepreneurs

When Claire opened her small boutique at 32, she budgeted carefully—rent, staff, inventory, even window signage. But six months in, her profits were shrinking, and she couldn’t figure out why. … Continue reading

Categories Making money, Money

11 Mistakes to Avoid When Starting a Business

Let me tell you about my friend’s experience when she initially started her first business. She had a big dream—open a handmade women’s handbag brand. She loved crafting handbags herself … Continue reading

Categories Making money, Money

15 Steps to Take Before Retirement

steps to take before retirement

Not long ago, I sat across from a friend who had just turned 50. She had a successful career, two grown kids, and a 401(k) that looked healthy enough on … Continue reading

Categories Money, Retirement

The 7 Levels of Financial Freedom

A few years ago, I found myself feeling embarrassed in the parking lot after swiping my debit card and seeing “Insufficient Funds” flash back at me. It wasn’t the first … Continue reading

Categories Life, Money

13 Summer Frugal Tips

Last summer, I went to the beach with my family. We had so much fun playing in the sand and swimming in the water. But later, I looked at how … Continue reading

Categories Frugal living, Life, Retirement

Why You Need to Pay off Your Credit Card Debt Fast!

Imagine losing $2,000 a year—just for borrowing money. That’s what happened to my friend Liza. She didn’t live a lavish life. But between groceries, car repairs, and holiday shopping, her … Continue reading

Categories Debt Freedom, Money

10 Tips to use your credit cards like a pro

I remember when my friend Jessica got her first credit card in college to build credit—but five years and thousands in interest later, she realized no one had ever taught … Continue reading

Categories Budgeting, Money

10 Financial Tips for Retirees to Make Money Last

financial tips for retirees

Diane and Mark thought they had retirement all figured out. They downsized, claimed their pensions, and planned to travel. However, within the first two years, unexpected medical bills, market drops, … Continue reading

Categories Budgeting, Frugal living, Retirement
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Tuppennys Fireplace

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Hey there!
I'm Tuppenny, and I am money saving and frugal loving at heart. I've spent my life saving tuppence (cents) at a time. Here at Tuppennys Fireplace, it's our mission to help you win at saving money and love the freedom that being frugal gives you.

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