So, if you want follow along and read some great posts about finance and a couples challenge to become debt-free-- you may not want to leave.


Acceptance of Terms

By the use of through following blog posts updates, making comments, and sharing information;you are hereby accepting the terms and conditions. Please know that the reading of all information on is of your own free will and that if you do not accept these Terms and Conditions, you should cease the use of this website immediately. However, if you want follow along and read some great posts about a couples challenge to become debt-free, you may not want to leave.

In addition, my thoughts and opinions change from time to time, which I consider a necessary consequence of having an open mind. This means that I reserve the right to change any of these Terms and Conditions on this website at any given time. Please check back often.


I, Ondria, the owner, author, and editor of Pennies and Plans at, create and write all information found on this site unless stated otherwise. When using the terms (“us”, “we”, “our”), this is in reference to my family and the experiences we shared. My husband and children do not partake in the creation, editing, or submission of content found on this blog.

All content provided on this site is my opinion and for informational purposes only. I am not a financial expert and I am not giving financial advice. You are taking all provided information at your own risk. Please make sure to do your own research and seek the professional advice of a financial expert for your own unique situation.

Although I try hard to provide accurate and complete information through research and educational courses, I make no representations or warranties about the accuracy, completeness, reliability, suitability, or availability of any information, products, services, or related graphics contained on or found by following any links on 

Because I am a very understanding person, I know that some information may become less accurate over time. Should you find any inaccurate information, please do not hesitate to contact me.

I will not be held liable for any errors or omissions in this information nor for the availability of this information. I will not be liable for any losses, injuries, or damages from the display or use of this information. 


I am not responsible for the actions of my advertisers or sponsors. If you purchase or sign-up for a product or service based upon a link from, you must take action with that company to resolve any issues.

Affiliate Disclosure

So that the costs of running this site doesn’t add onto my debts, may engage in affiliate marketing programs.

This means that some of the posts or pages on this site may contain affiliate links. By clicking on an affiliate link, you will then be sent to a retailer site where you are given the opportunity to make a purchase or sign-up for their program. If you make a purchase or sign-up for a program we will make a small commission on that product at no additional cost to you. I can assure you that I only recommend products that I have purchased myself, use, and/or find beneficial.

Current Affiliates:
  • Bluehost– Bluehost is a self-hosting service where I purchased my domain and set up my blog. I also manage other websites through The Social Blueprint with Bluehost which is why I stand behind them and can honestly say they provide excellent service!
  •– I discovered through another great finance blogger. It is a website designed to help users pay down their debt by providing debt snowball calculators, expense trackers, progress reports, etc.
  • Acorns– I use Acorns as a fun way to invest. It rounds up my purchases and transactions and invests it.
  • Microsoft– I use Microsoft Office for everything! Printables, Spreadsheets, Resumes, Workbooks, etc. Naturally, I signed up with this affiliate program in order to share access.
  • Ibotta– LOVE Ibotta for cash back on groceries! Instant access to funds so I can withdrawal without having to reach a specific limit.
  • Qapital– Found Qapital through Instagram and am very pleased! We use Qapital for our sinking funds. Cool features allow us to save different ways: round up, spend less save more, etc.
  • Amazon– We take advantage of Amazon Prime and use it to get better deals on many of our staple/stockpile items, and christmas savings. It helps with us being overseas. Subscribe and Save is a life saver with our baby needs!


Privacy Statement

Here at your privacy is important to us. Any personal or contact information provided to me will be kept private. You will not be spammed in any way, I will not send you secret letters and candies (I’m on a tight budget), and I will not sell or share your personal information with anyone or any company. By using our Site, you agree to the collection and use of information in accordance with this policy.

I am not responsible for the privacy practices of any of my advertisers or blog commenters.


We may use your personal information to contact you with post updates, newsletters, marketing materials, and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions in any email that you receive from us.


I, Ondria Yim, owner, author, and editor of Pennies and Plans, reserves the right to change the focus of this blog, shut it down, sell it, and change the terms of use at any given time at my own discretion.


Some photos are taken by and belong to me and are right protected unless otherwise stated. Feel free to use an image or two from as long as you give credit and link back to this Site. Photos that are not taken by us are credited and linked back to their outside source when at all possible. Use of these stock photo should be credited to Envato Elements, or Pexels.


The following message (or versions of it) will be displayed on every page where downloadable content is found: 

© Pennies and Plans. By downloading the following spreadsheet, you acknowledge and agree that this is for personal use only. It is not to be copied, distributed, altered or sold.

This copyright extends to all content such as; spreadsheets, printables, workbooks, and courses, that are downloaded from this blog and/or email sign ups.


I welcome and encourage comments on this site including constructive criticism and respectful disagreements. So feel free to challenge me, disagree with me, or even tell me I’m completely ridiculous in the comment section of each post; however, I reserve the right to delete any comment for any reason WHATSOEVER (abusive, spam, profane, rude, or anonymous comments) –so please keep it polite and not at all annoying.

This comment policy is subject to change at any time.


Any letters, emails, blog comments, responses on Social Media platforms such as Facebook, Pinterest, Instagram, and Twitter, or questions written directly to me may be use to share with my readers unless specifically requested otherwise. Part of these letters or emails, questions or other feedback may be used in newsletters, blog posts, posted on social media, or featured in up-and-coming books.

Phew! I know that was pretty darn long. But now that it’s all out the way and all has been said and done– Welcome to Pennies and Plans!



Copyright © 2017 Pennies and Plans.