Welcome to Everyday Penny Creative!
Through this website, I will help you find ways to be creative about pennies (money) in your everyday life and achieve unwavering financial independence.
Hi! I’m Miho, the author and owner of Everyday Penny Creative. I am originally from Japan, married to an American husband, and living in the United States with our two lovely cats. Thank you for visiting! I’ve been waiting for you.
Have you ever had these experiences or thoughts?
- I am just trying to survive every month. After paying housing, utilities, and other bills, very little free cash is left. It’s impossible to save money at all.
- I use credit cards to make up for the shortage of cash, but I have to pay it off the following month, which leads to a vicious cycle of not having any free money.
- There are so many things I want and want to do, but I have to give up because I don’t have the money.
- When buying gifts, I can only buy what I can afford, not what I want to give.
- I work all the time to survive and can’t take time for myself and my loved ones.
- The amount of money needed goes up every year, but my income doesn’t increase proportionally.
This was me in the past.
I was always, always, ALWAYS worried about money. I was living paycheck to paycheck, working to survive every month. Paying money was an obligation even when buying gifts for loved ones, and I would sigh inside my heart whenever money went out of my wallet.
I literally gave up on my life by thinking I was a stranger to financial independence.
However, the questions kept coming back to me.
“Am I OK to live like this for another 40-50 years?”
“It’s good I’m healthy now, but what if I get seriously sick and hospitalized in the future?”
“What if I suddenly lose my current job?”
By asking those questions to myself, I felt incredibly anxious.
Then, one day, I thought, “That’s it! I can’t go on like this anymore! Stop worrying and take action!”
That’s how my journey to financial independence began.
Through trial and error, by changing the way I dealt with money, I slowly began to have more room to breathe and have peace in my heart.
Of course, the journey still continues.
All in all, the key is to control your money, not to be controlled by it.
I am here to share with you what I have learned and will learn in this financial freedom journey.
If you are looking for information such as, “Do this and you’ll be a millionaire in 30 days!”, then I can’t help you.
But if you are looking for information like:
- Ways to be wise with money and make the current living situation better, little by little, but for sure.
- How to enjoy the basics of life (food, clothing, and house) without spending a fortune.
- What to do to make and save extra money.
Then the tips on this website may help you in some way.
In addition to actual techniques, I will also talk about the mindset. It includes how to face your money situation, how to stay positive in process of changes, the cultural difference in finance, and so on.
Are you ready to obtain a life filled with smiles you deserve? Let’s do it together!
Welcome aboard!