On her twelfth birthday, Selah's grandmother gifts her a wooden penny bank engraved Purposeful Penny Plan, sparking a year of mindful saving. Selah sets three goals—forty pennies for a telescope, thirty for comics, and ten for charity—then transforms small moments (pocket change, recycled bottles, yard-sale finds) into a budgeting adventure. She masters envelope organizing, proportional allocation, emergency planning, and adjusts targets when obstacles arise. By year's end, Selah achieves her telescope and comics dreams, donates to her community, and builds lifelong habits of thoughtful saving, generous giving, and creative planning. Young readers will be inspired to turn every penny into purpose.