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Dear Circle is a monthly snail-mail subscription that delivers warmth, encouragement, and belonging to military families. Each envelope carries a heartfelt letter, a featured resource, and a small keepsake — turning distance into belonging and words into reminders of care and connection.

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About Me

Hey there!
I am Darci and it's great to have you here with me!
As a prior military spouse of 18+ years living the military lifestyle and spending countless months, days, and hours working on budgets to make military pay work in various locations, I know just how crazy it can be managing your finances!
The Penny Budget was started so I can take what I learned and make it available to all in hopes of helping others with their financial journey.
For a decade I worked in various military units helping families with resources and information, and I am passing along my knowledge to you in an easy access format.
I have tried many different budget plans, and followed multiple budgeting experts, to piece together a simplified budgeting system tailored to work for not only myself, but for other military families and anyone else in need of a good budgeting system.
I am with you in this journey and I want to be by your side each step of the way. I don’t promise that your financial struggles will be gone in a week or you will magically have money saved immediately, or that your debt will disappear in the first year. What I can promise is that if you commit to start this journey, you will find it becomes easier to get in the habit of taking care of your financial health.
Let’s take this journey together!
With love,
Darci

FAQs

WHAT IS THE PENNY BUDGET’S RETURN POLICY?
We do not accept returns to orders unless there is a defect in the product or the wrong product was shipped. If this occurs, please contact me within 24 hours with a description of the issue and pictures of the defect(s) at info@thepennybudget.com. For a refund or replacement in the case of the wrong product or defective product being received, the product will need to be shipped back to us and we will provide you with a shipping label to do so. 

CAN I CANCEL OR CHANGE MY ORDER?
Once your order is placed, it cannot be changed or canceled.

WHEN WILL MY ORDER SHIP?
We are a small business so we ask for your patience. We hope to have orders shipping out within 3-5 business days.

WHAT TO DO WITH SHIPPING ISSUES?
Once your order leaves us and is with the shipping carrier, we are no longer responsible for the product. If there is an issue with your product not arriving or taking longer than expected, you will need to address that with the shipping carrier. Shipping information and tracking numbers will be provided to you when your order ships.
*Please make sure you double check the shipping address you enter when placing your order. If you catch a mistake with your shipping address, please reach out to us immediately and we will do our best to correct it, but there is no guarantee depending on the status of your order in the shipping or production timeline.

DO YOU OFFER WHOLESALE?
I'm open to chatting about it! Please contact us so we can begin that conversation.

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