{"id":31034,"date":"2015-05-04T05:15:36","date_gmt":"2015-05-04T12:15:36","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=31034"},"modified":"2023-07-01T11:23:28","modified_gmt":"2023-07-01T18:23:28","slug":"how-i-live-on-less-than-40000-annually-tara-from-maryland","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html","title":{"rendered":"How I Live On Less Than $40,000 Annually: Tara from Maryland"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-31059\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg\" alt=\"40k TaraFromMD1\" width=\"361\" height=\"480\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg 480w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1-225x300.jpg 225w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1-38x50.jpg 38w\" sizes=\"auto, (max-width: 361px) 100vw, 361px\" \/><\/a>My name is Tara, I&#8217;m 39, single, and I currently live in Ellicott City, Maryland.<\/p>\n<p>I used to work as a Linux Systems Administrator making <a href=\"https:\/\/lenpenzo.com\/blog\/id9958-time-for-a-new-income-benchmark-100000-aint-what-it-used-to-be.html\">a six-figure income<\/a>.<\/p>\n<p>Then I lost my job.<\/p>\n<p>I remained unemployed for 18 months, but now I work in marketing with a salary of just $35,000 per year.<\/p>\n<p><strong>Coping with the Loss of a High-Paying Job<\/strong><\/p>\n<p>When I got laid off, I withdrew $5000 from my 401k &#8212; but that only put $3000 in my pocket after paying the taxes (blah!). I also immediately signed up for unemployment benefits, which pretty much covered my basic living expenses. When my unemployment extension ran out I began tapping into my savings.<\/p>\n<p>That&#8217;s when it got really hard.<\/p>\n<p>Nobody was hiring &#8212; and the expensive large loft overlooking Baltimore that I was living in was rapidly eating up my savings, so I moved into smaller suburban digs with a roommate. Losing the loft was especially tough on me; living in a warehouse was a dream of mine and I had spent <a href=\"https:\/\/lenpenzo.com\/blog\/id26348-pictures-of-our-23922-bathroom-remodel-and-some-lessons-learned.html\">lots of money renovating<\/a> it before I was laid off.<\/p>\n<div id=\"attachment_31060\" style=\"width: 522px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD2.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-31060\" class=\"wp-image-31060 \" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD2.jpg\" alt=\"40k TaraFromMD2\" width=\"512\" height=\"384\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD2.jpg 640w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD2-300x225.jpg 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD2-50x38.jpg 50w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/a><p id=\"caption-attachment-31060\" class=\"wp-caption-text\">The view of Baltimore from a renovated warehouse loft where Tara used to live before she was laid off.<\/p><\/div>\n<p>Eventually, I was down to my last $1000 when a friend asked me to do some temporary consultant work for $50 per hour! Thank God for being techy!<\/p>\n<p>So how did I cope? It&#8217;s funny; early one morning, not long after I lost my job, I was looking out my window overlooking the city, watching Baltimoreans scurrying around to get to their jobs and what not. That&#8217;s when I had an epiphany: Yes, it&#8217;s great to make money, but it&#8217;s all temporary &#8212; and for what?! Things that we don&#8217;t really need &#8212; most of the time. All that really mattered was that Jesus died for me and my life was in His hands and that I didn&#8217;t need to worry about my future, or present situation.<\/p>\n<p>While I was unemployed, I tried to live like nothing bad happened. Rather than lamenting what I had lost, I focused on online marketing because I knew it was possible to <a href=\"https:\/\/lenpenzo.com\/blog\/id26292-5-tips-for-achieving-financial-success-online-2.html\">make a decent passive income<\/a> there! So I spent every day hustling online: learning, trying techniques, applying for jobs and working my butt off more than when I had a &#8220;job.&#8221; And then I spent my evenings with friends to avoid becoming a recluse.<\/p>\n<p>Of course, I had a couple of breakdowns along the way, wallowing in tears and anxiety, but they didn&#8217;t last long and I was able to regain my hope and focus quickly.<\/p>\n<p>Thankfully, I&#8217;ve always been financially responsible; it&#8217;s one reason why I never ran out of money while I was unemployed.<\/p>\n<p><strong>Expenses<\/strong><\/p>\n<p>I now share a condo with my roommate. My new bedroom is smaller than my old loft bathroom, so almost everything I have is now squished in this tiny room &#8212; but at least the rent is affordable!<\/p>\n<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD11.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-31359\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD11.png\" alt=\"40k TaraFromMD1\" width=\"353\" height=\"291\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD11.png 772w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD11-300x248.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD11-50x41.png 50w\" sizes=\"auto, (max-width: 353px) 100vw, 353px\" \/><\/a>It also helps that I don&#8217;t have a car payment. I drive a 2009 Toyota Corolla, which I bought brand new.<\/p>\n<p>I used to stick to a strict budget. However, after I started making a lot of cash, I stopped thinking about the budget and looking at prices. Unfortunately, now that I don&#8217;t make a lot of money again, I&#8217;m still trying to adjust. At the moment, <a href=\"https:\/\/lenpenzo.com\/blog\/id3925-100-words-on-the-importance-of-tracking-your-expenses.html\">I have no budget<\/a> in place. I just try to make sure that I pay all my bills as soon as I get paid.<\/p>\n<p>I don&#8217;t like to shop, which helps keep my discretionary expenses down.<\/p>\n<p>In my free time I hustle, spend time with friends, and meet new people. I also enjoy helping people with their business&#8217;s online presence.<\/p>\n<p><strong>Savings<\/strong><\/p>\n<p>I&#8217;m not saving for anything special at the moment, but I&#8217;m dreaming. I have an emergency fund that&#8217;s got about $2000 in it.<\/p>\n<p>As for my retirement savings, I have $10,000 left in <a href=\"https:\/\/lenpenzo.com\/blog\/id8797-differences-between-a-roth-ira-and-traditional-401k-which-is-better-2.html\">the 401k<\/a> from my previous employer and I currently contribute 1% of my pay into my new 401k retirement plan.<\/p>\n<p><strong>Closing Tips and Thoughts<\/strong><\/p>\n<p>I try to keep focused on the things that matter and what I have. I&#8217;m not concerned with the latest fashions or trends. I don&#8217;t normally buy clothes. If I do, I keep it to single digit price tags. I refuse to spend double digits for clothes. I eat very simply when I&#8217;m home, usually rice and eggs with a glass of water. Sometimes I&#8217;ll buy more, but rice and eggs usually keeps me happy. I eat better when I go out with friends; that&#8217;s when <a href=\"https:\/\/lenpenzo.com\/blog\/id24366-4-steps-to-help-you-splurge-on-a-treat-2.html\">I splurge a little<\/a>.<\/p>\n<p>Other than that, I just don&#8217;t spend a lot outside of going out with friends.<\/p>\n<p>Looking back, going from a six-figure salary to $35,000 was quite an adjustment. But over time, learning to live on the lower income taught me that the old saying &#8220;<a href=\"https:\/\/lenpenzo.com\/blog\/id30890-money-and-happiness-how-to-get-the-most-joy-from-your-spending-2.html\" target=\"_blank\" rel=\"noopener\">money doesn&#8217;t buy happiness<\/a>&#8221; is so true!<\/p>\n<p>And after everything I&#8217;ve gone through lately, I like myself a lot better now too.<\/p>\n<p>***<\/p>\n<p><em>If you&#8217;re a household CEO who is successfully making ends meet on roughly $40,000 per year or less, <a href=\"https:\/\/lenpenzo.com\/blog\/id20157-wanted-readers-who-make-ends-meet-on-40000-annually-or-less.html\">I&#8217;d love to hear from you<\/a>. Contact me at Len@LenPenzo.com and be sure to put &#8220;$40,000&#8221; in the subject line. If I publish your story, you&#8217;ll get a $25 gift card or 1 troy-ounce of pure silver!<\/em><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credits: Tara<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>My name is Tara, I&#8217;m 39, single, and I currently live in Ellicott City, Maryland. I used to work as a Linux Systems Administrator making a six-figure income. Then I lost my job. I remained unemployed for 18 months, but now I work in marketing with a salary of just $35,000 per year. Coping with [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":31059,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[480],"tags":[],"class_list":{"0":"post-31034","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-frugal-living","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How I Live On Less Than $40,000 Annually: Tara from Maryland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How I Live On Less Than $40,000 Annually: Tara from Maryland\" \/>\n<meta property=\"og:description\" content=\"My name is Tara, I&#8217;m 39, single, and I currently live in Ellicott City, Maryland. I used to work as a Linux Systems Administrator making a six-figure income. Then I lost my job. I remained unemployed for 18 months, but now I work in marketing with a salary of just $35,000 per year. Coping with [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2015-05-04T12:15:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-01T18:23:28+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Guest\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Guest\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\"},\"author\":{\"name\":\"Guest\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/899e51c94ed432935fab7c5d48b5a72a\"},\"headline\":\"How I Live On Less Than $40,000 Annually: Tara from Maryland\",\"datePublished\":\"2015-05-04T12:15:36+00:00\",\"dateModified\":\"2023-07-01T18:23:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\"},\"wordCount\":897,\"commentCount\":22,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/05\\\/40k-TaraFromMD1.jpg\",\"articleSection\":[\"Frugal Living\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\",\"name\":\"How I Live On Less Than $40,000 Annually: Tara from Maryland\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/05\\\/40k-TaraFromMD1.jpg\",\"datePublished\":\"2015-05-04T12:15:36+00:00\",\"dateModified\":\"2023-07-01T18:23:28+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/05\\\/40k-TaraFromMD1.jpg\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2015\\\/05\\\/40k-TaraFromMD1.jpg\",\"width\":480,\"height\":640},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lenpenzo.com\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How I Live On Less Than $40,000 Annually: Tara from Maryland\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"name\":\"Len Penzo dot Com\",\"description\":\"The offbeat personal finance blog for responsible people.\",\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\",\"name\":\"Len Penzo dot Com\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"width\":359,\"height\":360,\"caption\":\"Len Penzo dot Com\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/www.facebook.com\\\/LenPenzo\",\"https:\\\/\\\/x.com\\\/LenPenzo\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/899e51c94ed432935fab7c5d48b5a72a\",\"name\":\"Guest\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9c9f3690e9e8ca30eee7bbc00cc5399029f8486a1214311d392493ff532d004c?s=96&d=monsterid&r=r\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9c9f3690e9e8ca30eee7bbc00cc5399029f8486a1214311d392493ff532d004c?s=96&d=monsterid&r=r\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9c9f3690e9e8ca30eee7bbc00cc5399029f8486a1214311d392493ff532d004c?s=96&d=monsterid&r=r\",\"caption\":\"Guest\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How I Live On Less Than $40,000 Annually: Tara from Maryland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html","og_locale":"en_US","og_type":"article","og_title":"How I Live On Less Than $40,000 Annually: Tara from Maryland","og_description":"My name is Tara, I&#8217;m 39, single, and I currently live in Ellicott City, Maryland. I used to work as a Linux Systems Administrator making a six-figure income. Then I lost my job. I remained unemployed for 18 months, but now I work in marketing with a salary of just $35,000 per year. Coping with [&hellip;]","og_url":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html","og_site_name":"Len Penzo dot Com","article_publisher":"http:\/\/www.facebook.com\/LenPenzo","article_published_time":"2015-05-04T12:15:36+00:00","article_modified_time":"2023-07-01T18:23:28+00:00","og_image":[{"width":480,"height":640,"url":"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg","type":"image\/jpeg"}],"author":"Guest","twitter_card":"summary_large_image","twitter_creator":"@LenPenzo","twitter_site":"@LenPenzo","twitter_misc":{"Written by":"Guest","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#article","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html"},"author":{"name":"Guest","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/899e51c94ed432935fab7c5d48b5a72a"},"headline":"How I Live On Less Than $40,000 Annually: Tara from Maryland","datePublished":"2015-05-04T12:15:36+00:00","dateModified":"2023-07-01T18:23:28+00:00","mainEntityOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html"},"wordCount":897,"commentCount":22,"publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg","articleSection":["Frugal Living"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html","url":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html","name":"How I Live On Less Than $40,000 Annually: Tara from Maryland","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg","datePublished":"2015-05-04T12:15:36+00:00","dateModified":"2023-07-01T18:23:28+00:00","breadcrumb":{"@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#primaryimage","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/40k-TaraFromMD1.jpg","width":480,"height":640},{"@type":"BreadcrumbList","@id":"https:\/\/lenpenzo.com\/blog\/id31034-how-i-live-on-less-than-40000-annually-tara-from-maryland.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lenpenzo.com\/blog"},{"@type":"ListItem","position":2,"name":"How I Live On Less Than $40,000 Annually: Tara from Maryland"}]},{"@type":"WebSite","@id":"https:\/\/lenpenzo.com\/blog\/#website","url":"https:\/\/lenpenzo.com\/blog\/","name":"Len Penzo dot Com","description":"The offbeat personal finance blog for responsible people.","publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lenpenzo.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lenpenzo.com\/blog\/#organization","name":"Len Penzo dot Com","url":"https:\/\/lenpenzo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","width":359,"height":360,"caption":"Len Penzo dot Com"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/www.facebook.com\/LenPenzo","https:\/\/x.com\/LenPenzo"]},{"@type":"Person","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/899e51c94ed432935fab7c5d48b5a72a","name":"Guest","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/9c9f3690e9e8ca30eee7bbc00cc5399029f8486a1214311d392493ff532d004c?s=96&d=monsterid&r=r","url":"https:\/\/secure.gravatar.com\/avatar\/9c9f3690e9e8ca30eee7bbc00cc5399029f8486a1214311d392493ff532d004c?s=96&d=monsterid&r=r","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9c9f3690e9e8ca30eee7bbc00cc5399029f8486a1214311d392493ff532d004c?s=96&d=monsterid&r=r","caption":"Guest"}}]}},"_links":{"self":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/31034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/comments?post=31034"}],"version-history":[{"count":3,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/31034\/revisions"}],"predecessor-version":[{"id":79361,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/31034\/revisions\/79361"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media\/31059"}],"wp:attachment":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media?parent=31034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/categories?post=31034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/tags?post=31034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}