• Privacy Policy
  • Contact

Saving Cent by Cent

Helping Families Save Money Cent by Cent

  • Home
    • Blog
  • Grocery Shop on a Budget
    • Grocery Tips
    • Meal Plan
  • Recipe Index
    • Recipes
      • Appetizers & Snacks
      • Main Dish
        • Chicken
        • Beef
        • Pork
        • Slow Cooker
        • Other
      • Desserts
      • Breakfast
      • Soups
      • Side Dish
      • Bread
      • Canning & Preserving
      • List of Recipes
  • Finances
    • Saving Money
    • Budgeting
    • Debt
  • Frugal
    • Frugal Ideas
    • DIY
  • Family & Home
    • Travel & Vacation
    • Organization
    • Cleaning
  • About
    • Contact
    • Media & Features

My Financial Life Journey and the Lessons I Learned – Part 1

February 8, 2012 by Lisa Park + 2 Comments

When I was young, my parents taught me about how important it was to save money. They encouraged me to take most of the money I earned and put it in my bank savings account. And they said that if I saved my money now, I would be able to pay for most of my college. That really stuck with me, and I wanted to go to college without having to take out loans.

With a household of eight to care for, I knew my parents weren’t in the position to help me out with college, so whenever I received babysitting money or did extra jobs around the house, I would place my money in my savings rather than spend it. My attitude of saving for college continued through my teenage years. And when I graduated from high school, I had saved enough money to go to college for a few years.

While being enrolled full-time in college, I also worked part time. I was blessed to be able to live at home for many years during college, which helped me to save more money.

After three years of working toward a business management degree, I wasn’t admitted to the program. Frustrated and heartbroken, I looked at other degrees and decided upon a communications degree with an emphasis in public relations.

This unexpected change in programs added on two more years of college for me. I was doing fine paying for college, until the very last year, when I had completely drained my savings account. I began applying for grants. I also began looking into loans, even though I had hoped I wouldn’t have to.

I continued forward and signed up for a few classes during a summer semester. As I looked at my funds, I saw that I was short $150 to be able to pay my tuition. I wasn’t sure what to do. I prayed a lot to know how I was going to come up with that money, as well as how to pay for my last year of college. Then some very unexpected events occurred.

Click here to read Part 2 of My Financial Life Journey and the Lessons I Learned

Filed Under: Uncategorized

Comments

  1. Melanie says

    February 9, 2012 at 5:56 am

    Love this personal narrative. Great addition to your page. Can’t wait to hear the rest of the story, though!!

    Reply

Trackbacks

  1. Tips to Save Money in College says:
    August 13, 2013 at 3:26 pm

    […] When I was young, I saved most of my money so that I would be able to pay for a few years of college without having to take out a loan. And I actually almost managed to pay for all my college without a loan! You can read more about my goal to save money for college and what ended up happening by reading My Financial Life Journey and the Lessons I Learned. […]

    Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Recipe Rating




Hello, I'm Lisa

I enjoy teaching people how to live frugally so they can live within their means while still enjoying and doing the things in life that matter most to them. I'm here sharing tips about budgeting, saving money, meal planning, simple recipes, and more.

  • Facebook
  • Instagram
  • Pinterest
  • Twitter
Subscribe!

Sign up below to receive money-saving tips, frugal ideas, family-friendly recipes, and more.




Thank you for subscribing!


Archives

Archives

Categories

Amazon Associates Disclosure

Lisa Park is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
This Pizza Casserole is a family-favorite recipe. This Pizza Casserole is a family-favorite recipe. It's only 6 ingredients and takes about 10 minutes to prep before you put it in the oven to bake.  If your family loves pizza, then you'll want to try this pizza casserole. Comment "pizza" below or message me, and I'll send you the recipe.  #pizza #pizzalovers #pizzacasserole #pizzabake #easydinnerrecipe #easydinnerideas #pepperonibake #pepperonicasserole
This sweet potato casserole is a delicious and swe This sweet potato casserole is a delicious and sweet dish that is easy to make. It is a perfect side dish to take to family holiday gatherings. Comment below "yams" or message me, and I'll send you the recipe.  #yams #yamcasserole #sweetpotatoes #sweetpotatocasserole #sweetpotatocasserolewithpecans #thanksgivingsides #thanksgivingsidedish #thanksgivingsidedishes #christmassidedish #christmassides #christmassidedishes #holidaysides #holidaysidedish #holidaysidedishes
This Chocolate Chip Pumpkin bread is so good! Comm This Chocolate Chip Pumpkin bread is so good! Comment "Pumpkin Bread" below or message me, and I'll send you the recipe.  #pumpkinbread #pumpkinbreadrecipe #pumpkinbreads #pumpkinbreadseason #pumpkinchocolatechip #pumpkinchocolatechipbread #pumpkinchocolate #chocolatechippumpkinbread
If food allergies and special diets are causing yo If food allergies and special diets are causing your food budget to really increase, below are 6 tips to help navigate food allergies on a budget.  1. Meal plan and cook from home
Focus on making a list of your family's favorite easy meals and plan your meals based on those. Keep it simple and make it a priority to eat at home.  2. Limit expensive replacements
While there is an abundance of options for substitutes to common food allergies, the expensive replacements increase the amount of money you spend on groceries. Use them sparingly, buy them on sale, or look for ways to buy them in bulk.  3. Price shop
Track the cost of items at multiple stores and online retailers to find the best price, then "stock up" on the items you need.  4. Find out what works for you and stick to it
Narrow down what staple foods you need and like so you don't spend a lot of money experimenting on food that doesn't work for your family.  5. Focus on the inexpensive items you can eat
Make a list of foods you can eat instead of constantly looking for alternatives of foods you can't eat. Foods that might fit in your meal plan and that are inexpensive are oats, potatoes, rice, fruit, vegetables, applesauce, seeds, and legumes.  6. Shop at cheaper stores
Most grocery stores carry specialty foods, so don't just shop at expensive specialty stores like Whole Foods.  #foodallergies #grocerybudgettips #groceryshoppingtips #howtogroceryshop #foodbudget #foodallergybudget
These Pumpkin Crumb Muffins are a family-favorite These Pumpkin Crumb Muffins are a family-favorite recipe I make each fall. Comment "Pumpkin Muffins" below or message me, and I'll send you the recipe.  #pumpkinrecipe #pumpkinrecipes #Pumpkin #pumpkinmuffins #pumpkinmuffin #pumpkinmuffinrecipe #pumpkincrumbmuffins
Because meat is usually the most expensive part of Because meat is usually the most expensive part of the grocery budget, I purchase meat in bulk to save money.  I then package the meat into smaller re-sealable bags and freeze them. When I prep dinner, I can take a bag of meat out of the freezer to use for my meal.  Comment below "Meat" or message me, and I'll send you details how to save 20%-50% in meat when buying it in bulk.  #meat #savemoney #saveonmeats #saveonmeat #grocerybudgettips #grocerytipsandtricks #grocerybudgeting #foodandmeatcoop #howtosaveongroceries
This Pizza Casserole is a family-favorite recipe. This Pizza Casserole is a family-favorite recipe. It's only 6 ingredients and takes about 10 minutes to prep before you put it in the oven to bake.  If your family loves pizza, then you'll want to try this pizza casserole. Comment "pizza" below or message me, and I'll send you the recipe.  #pizza #pizzalovers #pizzacasserole #pizzabake #easydinnerrecipe #easydinnerideas #pepperonibake #pepperonicasserole
This sweet potato casserole is a delicious and swe This sweet potato casserole is a delicious and sweet dish that is easy to make. It is a perfect side dish to take to family holiday gatherings. Comment below "yams" or message me, and I'll send you the recipe.  #yams #yamcasserole #sweetpotatoes #sweetpotatocasserole #sweetpotatocasserolewithpecans #thanksgivingsides #thanksgivingsidedish #thanksgivingsidedishes #christmassidedish #christmassides #christmassidedishes #holidaysides #holidaysidedish #holidaysidedishes
This Chocolate Chip Pumpkin bread is so good! Comm This Chocolate Chip Pumpkin bread is so good! Comment "Pumpkin Bread" below or message me, and I'll send you the recipe.  #pumpkinbread #pumpkinbreadrecipe #pumpkinbreads #pumpkinbreadseason #pumpkinchocolatechip #pumpkinchocolatechipbread #pumpkinchocolate #chocolatechippumpkinbread
If food allergies and special diets are causing yo If food allergies and special diets are causing your food budget to really increase, below are 6 tips to help navigate food allergies on a budget.  1. Meal plan and cook from home
Focus on making a list of your family's favorite easy meals and plan your meals based on those. Keep it simple and make it a priority to eat at home.  2. Limit expensive replacements
While there is an abundance of options for substitutes to common food allergies, the expensive replacements increase the amount of money you spend on groceries. Use them sparingly, buy them on sale, or look for ways to buy them in bulk.  3. Price shop
Track the cost of items at multiple stores and online retailers to find the best price, then "stock up" on the items you need.  4. Find out what works for you and stick to it
Narrow down what staple foods you need and like so you don't spend a lot of money experimenting on food that doesn't work for your family.  5. Focus on the inexpensive items you can eat
Make a list of foods you can eat instead of constantly looking for alternatives of foods you can't eat. Foods that might fit in your meal plan and that are inexpensive are oats, potatoes, rice, fruit, vegetables, applesauce, seeds, and legumes.  6. Shop at cheaper stores
Most grocery stores carry specialty foods, so don't just shop at expensive specialty stores like Whole Foods.  #foodallergies #grocerybudgettips #groceryshoppingtips #howtogroceryshop #foodbudget #foodallergybudget
These Pumpkin Crumb Muffins are a family-favorite These Pumpkin Crumb Muffins are a family-favorite recipe I make each fall. Comment "Pumpkin Muffins" below or message me, and I'll send you the recipe.  #pumpkinrecipe #pumpkinrecipes #Pumpkin #pumpkinmuffins #pumpkinmuffin #pumpkinmuffinrecipe #pumpkincrumbmuffins
Because meat is usually the most expensive part of Because meat is usually the most expensive part of the grocery budget, I purchase meat in bulk to save money.  I then package the meat into smaller re-sealable bags and freeze them. When I prep dinner, I can take a bag of meat out of the freezer to use for my meal.  Comment below "Meat" or message me, and I'll send you details how to save 20%-50% in meat when buying it in bulk.  #meat #savemoney #saveonmeats #saveonmeat #grocerybudgettips #grocerytipsandtricks #grocerybudgeting #foodandmeatcoop #howtosaveongroceries
This Pizza Casserole is a family-favorite recipe. This Pizza Casserole is a family-favorite recipe. It's only 6 ingredients and takes about 10 minutes to prep before you put it in the oven to bake.  If your family loves pizza, then you'll want to try this pizza casserole. Comment "pizza" below or message me, and I'll send you the recipe.  #pizza #pizzalovers #pizzacasserole #pizzabake #easydinnerrecipe #easydinnerideas #pepperonibake #pepperonicasserole
This sweet potato casserole is a delicious and swe This sweet potato casserole is a delicious and sweet dish that is easy to make. It is a perfect side dish to take to family holiday gatherings. Comment below "yams" or message me, and I'll send you the recipe.  #yams #yamcasserole #sweetpotatoes #sweetpotatocasserole #sweetpotatocasserolewithpecans #thanksgivingsides #thanksgivingsidedish #thanksgivingsidedishes #christmassidedish #christmassides #christmassidedishes #holidaysides #holidaysidedish #holidaysidedishes
This Chocolate Chip Pumpkin bread is so good! Comm This Chocolate Chip Pumpkin bread is so good! Comment "Pumpkin Bread" below or message me, and I'll send you the recipe.  #pumpkinbread #pumpkinbreadrecipe #pumpkinbreads #pumpkinbreadseason #pumpkinchocolatechip #pumpkinchocolatechipbread #pumpkinchocolate #chocolatechippumpkinbread
If food allergies and special diets are causing yo If food allergies and special diets are causing your food budget to really increase, below are 6 tips to help navigate food allergies on a budget.  1. Meal plan and cook from home
Focus on making a list of your family's favorite easy meals and plan your meals based on those. Keep it simple and make it a priority to eat at home.  2. Limit expensive replacements
While there is an abundance of options for substitutes to common food allergies, the expensive replacements increase the amount of money you spend on groceries. Use them sparingly, buy them on sale, or look for ways to buy them in bulk.  3. Price shop
Track the cost of items at multiple stores and online retailers to find the best price, then "stock up" on the items you need.  4. Find out what works for you and stick to it
Narrow down what staple foods you need and like so you don't spend a lot of money experimenting on food that doesn't work for your family.  5. Focus on the inexpensive items you can eat
Make a list of foods you can eat instead of constantly looking for alternatives of foods you can't eat. Foods that might fit in your meal plan and that are inexpensive are oats, potatoes, rice, fruit, vegetables, applesauce, seeds, and legumes.  6. Shop at cheaper stores
Most grocery stores carry specialty foods, so don't just shop at expensive specialty stores like Whole Foods.  #foodallergies #grocerybudgettips #groceryshoppingtips #howtogroceryshop #foodbudget #foodallergybudget
These Pumpkin Crumb Muffins are a family-favorite These Pumpkin Crumb Muffins are a family-favorite recipe I make each fall. Comment "Pumpkin Muffins" below or message me, and I'll send you the recipe.  #pumpkinrecipe #pumpkinrecipes #Pumpkin #pumpkinmuffins #pumpkinmuffin #pumpkinmuffinrecipe #pumpkincrumbmuffins
Because meat is usually the most expensive part of Because meat is usually the most expensive part of the grocery budget, I purchase meat in bulk to save money.  I then package the meat into smaller re-sealable bags and freeze them. When I prep dinner, I can take a bag of meat out of the freezer to use for my meal.  Comment below "Meat" or message me, and I'll send you details how to save 20%-50% in meat when buying it in bulk.  #meat #savemoney #saveonmeats #saveonmeat #grocerybudgettips #grocerytipsandtricks #grocerybudgeting #foodandmeatcoop #howtosaveongroceries

Copyright © 2026 · Daphne · Designed by Designer Blogs