A blog about family, food and fun!

Tag: budgeting

A Not So Brief Hiatus

A Not So Brief Hiatus

About eight months ago I took a break from blogging. There were many reasons, the most pressing being a complete utter lack of time while trying to maintain balance with both Mr. Oscoey and I working full-time with small kids. To say it was difficult […]

An Overview of Meal Planning

An Overview of Meal Planning

Meal Planning to Save Time and Money   I have heard of the wonderful idea called meal planning many times over the past few years and every time I read a post about it I love the idea of having all of our meals planned […]

Going back to work after being a Stay at Home Mom

Going back to work after being a Stay at Home Mom

Going Back to Work

 

Three weeks ago on a Monday marked a new day in the Oscoey household. For the first time in over three years I am no longer a stay at home mom. I went back to work and the next few months will be a season of change for us. I looked for six months for a job that is a good fit for me and I am pretty sure I found it! It is all very exciting and new and I am sure the first few weeks will be difficult but in the long run it will be better for our family.  I have not worked full-time since our oldest daughter was in elementary school and even then it was a retail job so I did not have regular hours. This new job will be my first full-time job with regular hours and I am really excited about it!

 

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beach
Oldest and the youngest at the beach.

 

Preparing for going back to work

The last couple of weeks prior to starting work were pretty hectic catching up on last minute tasks that needed to be completed before I no longer had a bunch of time. Laundry, grocery shopping, doctor’s appointments and hiring a nanny topped my list. I would have loved to have the entire house scrubbed from top to bottom but we had a busy weekend before I went back and that just didn’t happen. I settled for reasonably clean and a solid plan in place as to when regular household tasks will be complete.

 

We originally wanted to hire a nanny for morning drop offs but it kept getting delayed and after a couple of weeks of Mr. Oscoey dropping the kids off he didn’t want to give up that special time with the kids so we are going to try and make it work without one. I start before day care opens but hopefully after I have been at work a while I will have some flexibility with my start time. Child care is a major expense for working families and one of the reasons I held out for so long when finding a job is that I wanted to earn enough that we weren’t breaking even with day care costs.

 

Outside play
I am going to miss our lazy afternoons outside.

 

The change from SAHM to Working Mom

 

The hardest part of going back to work has been the mental part. My kids had a super easy adjustment. They love their school and my daughter is always asking to stay later so she can hang out with her friends more and now she is able to do that every day and she loves it. My son loves his class too and is always smiling and laughing when I pick him up. Sometimes he doesn’t want to leave either. Neither kid has a hard time at drop off so we at least do not have that to add to the stress of returning to work but I am still having a bunch of mom guilt about going back which is totally normal. It hit me really hard this week when we all came down with the flu. My husband and daughter had it first and I went to work on Monday and Tuesday not being the one at home with a sick kid all day and even though I knew Mr. Oscoey would be an awesome care taker of her it was still hard. My job the past few years has been to take care of the kids and I was always the one to care for them when they were sick while my husband went off to work. Needless to say Mr. Oscoey did an awesome job and I am really grateful that he was able to stay home with her.

 

dog
George taking care of his girl.

 

Family time is more precious

 

The biggest challenge for me the past week weeks with working has been time.  I have been trying to spend a little bit of time with each kid every day. My daughter gets up with me in the morning and we eat breakfast together before I leave for work. After school I try and get some alone time with my son for a bit before bed time. We have had really busy weekends the past few weeks with a day trip to visit Bellingham, two school auctions, Easter, birthday parties and the usual weekly family activities of dance/gymnastics class. It has been a challenge to fit everything in and I am definitely going to have to scale back my gardening this year but I am more focused on the family when we are all together and as an added bonus since the kids are not home all week making messes the house cleaning has gotten easier. I am looking ahead in our calendar and we have a few full days free on the weekends and I think we should spend some of that time on family day trips to maximize family bonding.

 

Last Wednesday morning walk with my friend.

 

The one thing I have been missing since I went back to work has been the ability to exercise regularly. I worked pretty hard to get back into a great exercise routine the past six or so months and one of the things I had to give up when returning to work was my weekly Stott Pilates sessions. I miss it quite a bit. I am on a waiting list for if a spot opens outside of work hours but I am afraid if I wait too long I will lose all of the progress I worked hard for.  I also miss my semi-regular long walks with a good friend. We have been walking for over a year and I will greatly miss our talks and the opportunity to get some much needed exercise in as well! Now that the weather is starting to get better I am going to try going for shorter walks in the evenings in my neighborhood after the kids go to bed. I am also going to try and locate a Pilates studio near my work so that I can continue my progress. I am pretty exhausted when I get home from work but I sit at a desk all day long so exercising after work is a necessity for long term health.

 

The first few weeks back to work have been a season of change in the Oscoey household. How has going back to work after a period of being home changed your household?

 

Some Thoughts on End of Life Planning

Some Thoughts on End of Life Planning

I have been taking a break from the blog the past week or so and just been interacting a little bit on Twitter. I thought I would stop in and talk a little bit about end of life planning. One of my close relatives is […]

Uber Frugal Month January 2018 Wrap Up!

Uber Frugal Month January 2018 Wrap Up!

We have come to the end of our Uber Frugal Month Challenge and we were pretty successful! We kept to our super low grocery budget, were mindful about our purchases and had some great discussions about where we want our life to head and what […]

Uber Frugal Month Challenge Week 4

Uber Frugal Month Challenge Week 4

We are entering our final days of the Frugalwoods Uber Frugal Month Challenge and it has been a great refresher for us to get back into our frugal habits. I am finally caught up on all of the emails and they really made us think about how we spent our money. Last week was a rough one for us and the entire week seemed against us but it did not effect our spending and we are on track with our grocery spending for the month. Yay!

 

Tacos made with canned refried beans, leftover pork, feta, olives and corn tortillas with salad.

 

We dug into our pantry a bit this week and used up some cans including olives, refried beans, tomatoes and a can of chicken. My kids love the cans of Costco chicken made into chicken salad and it is one of the few things I can send in their lunches that they will actually eat. I have tried making it from scratch chicken but even though I love it my kids are iffy on it.  We also used up some of the corn tortillas I found in our freezer. There are still quite a few in there though! Here are a couple of our other meals:

 

Salad, leftover refried beans, frozen corn and what we call “basic” cooked pork.

 

Homemade meatballs, homemade spaghetti sauce, gluten-free noodles, steamed carrots and salad.

 

As you can see a simple green salad with sunflower seeds has become a staple in our house.  I have always loved salads and try to eat at least one a day but I fell out of that habit while I was pregnant with our son. For some reason any sort of fresh fruit or vegetables made me sick and nearly two years later I am still trying to recover from it. Have you ever had a weird food aversion like that? Thankfully I can now eat salad again but I am still working on fruit. It just isn’t appealing to me any more even though I used to love it. I am hoping this summer when we are out picking fresh fruit it will spark my interest again! Our kids are not super fond of salad although they will eat a piece or two of lettuce sometimes when we ask them to try it so we always offer another vegetable and give them a choice of what they want. In the summer when we have lettuce growing in the garden the kids eat it all day long so apparently lettuce is only tasty to them straight from the garden? I may have to finally try growing some indoors and see if they will eat it.

 

Homemade English muffin, homemade pork sausage and vegan cheese.

 

One of the things my husband did for the kids this week was make homemade English muffins and make them breakfast sandwiches in the morning. They absolutely loved them and my son ate a whole one by himself which is crazy! Other days they ate them with peanut butter or even some of our homemade jam. We have ground our own meat for many years and my husband makes the most delicious garlic sausage. He made it this week and we have been eating it all week. I love garlic so it has been wonderful!

 

Homemade kettle corn.

 

The other food we have been munching on quite a bit lately is popcorn.  My husband loves his spicy but the kids and I love his dairy-free kettle corn made with coconut oil. We have been making it so much that we wore out his stove-top popcorn maker.  A new one is on our list of high priority household items to buy in the next couple of months. We use it several times a week for a cheap and easy snack!

 

A very windy and rainy day walk.

 

We had more than a little bit of cabin fever this week. Our kids were finally getting over two months of back to back colds and needed to get out and do something. Since we are being frugal we tried to find things for them to do at home but there reached a point last week when we had about 30 minutes to take them outside in the windy and very wet weather to jump in puddles to burn off some energy. It ended up being tons of fun! We went on the trail through the woods that I have been hearing about since we moved in but never gotten around to walking on and it was a pretty trail to walk on. We ended up doing a 3/4 (2yo and I) and 1 mile (4yo and Mr. Oscoey) loop and both kids walked the whole way and jumped in as many puddles as they could.  We will probably start doing more family walks around the neighborhood like that, especially since our son didn’t need to be carried. It is a great free activity for the family to do and it is important that our kids know the layout of the neighborhood for when they are older.

 

Water color finger painting.

 

Another boredom buster we did was to break out the paint. I realized we stopped doing our afternoon art because we got busy with the holidays. We have started it up again and the kids picked painting this time and had a blast. We cut up some sponges I bought a couple of years ago to paint with and our son wanted water colors so he practiced his painting skills and blending colors. They did make quite a bit of mess and we had to talk about how we behave while we paint but overall it was a success.

 

Puppy damage…

 

One unexpected thing that came up this week was some damage our puppy did to our wall. My husband patched and repainted this spot masterfully a couple of weeks ago but our puppy, being the crazy dog that he is, ran into the wall again and dented it with his gigantic bony elbow.  He is incredibly observant and noticed right away that the wall was slightly different so he investigated it and discovered he could peel back a section to chew on. Seriously. He did this while I was dealing with a kid “emergency” and he was not the least bit remorseful. In fact he tore another chunk off as soon as I wasn’t looking. I am really thankful that my husband is able to repair minor drywall damage and we do not have to pay someone to do it.  We have saved so much money doing small repairs ourselves and Mr. Oscoey has gotten better over the years and now you can barely tell that it was repaired. I highly recommend that you learn how to do minor house repairs like this so that you aren’t paying big bucks to have it fixed.

 

Overall the week was super frugal and we hardly bought anything besides necessary groceries like milk, fruit and some small key ingredients for recipes. I am excited to write up our end of the month recap later this week so look for it on the blog!

 

The Uber Frugal Month Challenge is almost over but how are you being frugal in your every day life?

 

 

Uber Frugal Month Challenge Week 3

Uber Frugal Month Challenge Week 3

Whew. I am a little bit late posting our summary of week three in the Uber Frugal Month Challenge but that is because last week was a whirlwind of expensive things breaking, children being sick and massive amounts of the general craziness that comes from […]

Uber Frugal Month Challenge Week 1

Uber Frugal Month Challenge Week 1

A few weeks ago I found the Uber Frugal Month Challenge over at the Frugalwoods and I was immediately hooked. What a great way to start out 2018! I signed my husband and I up and we have spent the last week reading through the daily […]

A New Beginning in Budgeting Part 2: Adjusting our Grocery Spending

A New Beginning in Budgeting Part 2: Adjusting our Grocery Spending

A little while ago I wrote about how we have been working on our budget and how I use Quicken to track our finances.  I love the Savings Goals category and it has helped us tremendously the last few months to keep track of how much we have available for our bigger expenses that happen a few times a year. Another way we have been trying to wrangle our budget is by cutting back on our food spending.  We rarely eat out. We stopped many years ago when we first started looking at our budget and now that we have food allergies it is nearly impossible to find something that works for everyone. Mr. Oscoey is also an excellent cook and usually when we eat out we are left with the feeling that the money was not worth eating food that we could have made better at home so now we just eat out maybe 5 or six times a year for special occasions.

 

When we first started looking at our expenses many years ago about the time of the recession of 2008 we did what most people were typically doing around that time. All of our focus went towards paying down debt and getting ahead in our careers. We cut out many things. All of our remodeling plans were on indefinite hold, vacations had to be done on the cheap and we brought our own food for lunch, new clothing was something that required great discussion and personal reflection as to whether it was necessary and we rarely spent money on family activities. We kept our grocery budget tight and managed to spend about $400 for three people and two small dogs. Our food got a little predictable but we got really good at making meals out of whatever was in the fridge. We followed these simple rules to keep our grocery budget in check.

 

Frugal Food Spending Basics

  1. Eating out should be saved for a few special occasions a year. (Birthdays do not necessarily count)
  2. Shop sales and buy frequently used items in bulk.
  3. Plan you meals around what you have in the house.
  4. Buy produce that is in season and buy a lot of it to can, freeze or dehydrate.
  5. Buy meat that has not been cut into convenience sized pieces and cut it yourself.  (whole pork loin, pork shoulder, bone-in/skin on chicken thighs)
  6. Spend a limited amount of money on junk food and cook/bake the rest.
  7. Going out for coffee counts as one of your rare “eating out” times and should be avoided if at all possible.
  8. Learn how to cook your own food, believe me it is worth it!
  9. Keep portion sizes under control.
  10. Pack your lunch every day.
  11. Planned leftover dinner nights help prevent food waste.

 

Pork loin sandwich with Grandma’s Fruit Salad.

 

I look back on that time with my husband with fondness. We really worked together as a family to make things work. Our oldest daughter swam competitively and we spent our family time in the cheapest hotel room we could find wherever her competitions were located. The three of us spent a lot of time hanging out at home and going on walks with the dogs. Life was pretty simple and even though we didn’t have a lot of wiggle room with our finances we still had a bunch of fun.

 

Everything changed when we had our second daughter. Our grocery budget doubled when she started solid foods and we were still buying whatever was on sale, mostly non-organic foods that were not processed.  Slowly our super tight budget began to slip as our expenses grew. We moved a couple of years ago and then promptly had our son who was super high needs as a baby. Let me tell you when you are up all night with a screaming child and then trying to stay awake all day with kids that do not nap (even your six month old) it is really easy to give in and buy whatever you can microwave for the kids to eat. By the time dinner rolled around I was too exhausted to cook and since our kids needed to eat before Mr. Oscoey came home from work he could not cook dinner either. Needless to say our grocery budget went out the window and one day after the one year old started sleeping through the night I looked over our budget and was shocked by how much we were spending.

 

The first thing I did was to focus on what we were eating and when we were buying our food. It turned out that we were not really paying attention at all to what we actually needed but buying things willy-nilly when we were in the mood for them which resulted in a lot of uneaten food and things being buried in the back of the pantry.  We were going to the grocery store almost every day to pick up one or two items and ending up with a basket of food.  This my friends is not a good way to keep your grocery budget in check!

 

Daiya Dairy-free, Gluten-free macaroni and cheese served with green beans and spaghetti squash grown in the garden.

 

Once I figured out why we were spending so much I started to try and figure out how to fix it.  I spent some time on Pinterest building up my Frugal Living board where I got some great tips, started paying attention to prices when I went to the store and started working on a grocery list every week.  We buy most of our groceries at Costco so I when I pre-entered my scheduled transactions every month in Quicken I started adding my weekly grocery budget in there as well.  This way I had a rough idea of how much we could spend every week and I definitely adjust it based on the previous week. Some weeks we only buy meat and a starch and others we stock up on most of our basics so it really varies but it is ok as long as we stay within our monthly budget.

 

What has worked for us so far is to have a rough idea of what we are eating for dinner that week and I try to buy as little as possible and make it work.  If something is on sale I will stock up and most of our grocery money will go towards that item. We are mostly dairy and gluten free and the kids can’t have nuts packed in their school lunches so it gets a little tricky when I am trying to figure out what to send. I am required to send milk with the littlest one and he will only drink chocolate soy milk so I have been watching the prices on the individual Silk Soy Milk cartons and when they are below $1.00 each I buy as many as possible.  Fred Meyers had them on sale a few weeks ago for $4.49 for a pack of 6 when you bought four so I bought four of them and got an excellent deal! I would have bought another four but I bought the last four they had.  We also base what we are going to eat off of what is on sale. This week we bought a whole pork loin at Costco because they had them on coupon. It is much cheaper to buy the whole loin and cut it up yourself than to buy the pre-cut pieces.  We have done this for many years and it is a great way to save money on meat!

 

Once I figured where our money was going I spent a couple of more months slowly building up our pantry so that we had items on hand when we could not go to the store due to either time constraints or when we had reached the end of our budget.  This readily available stash of basics also serves as our emergency food supply. Everyone should have a couple of weeks worth of necessities stocked up! Here in the Pacific Northwest we worry about earthquakes and windstorms primarily but your emergency food supply can also be used in times of financial stress such as if you lose your job or are injured and paying large amounts of money for medical care. I buy one or two items a week to add to the pantry for leaner times.  This week we bought some pre-made Spanish rice packets on clearance at Target. They were about $1.50 each and we bought three of them so our total was about $5.00. We also bought some sardines on sale at Costco which my husband and kids love to eat for lunch with avocados. To stock up we just bought two packs instead of one. They should last until the next sale and we can use them if the power ever goes out for a quick meal. It is really important that you stock your emergency food supply with items you will actually eat in every day life otherwise you will end up with a lot of food you will never eat.  If we happen to buy something that we don’t end up eating I usually donate it to the local food bank or to someone in need on our Buy Nothing group.

 

When figuring out our monthly food budget I also looked at what type of things we were eating and tried to add more cheap carbs such as potatoes, cereal, beans and rice to make our dollar stretch farther.  We now do a vegetarian/low meat meal at least once a week and usually it consists of a soup (lentil, bean, or noodle based) with vegetables that are needing to be eaten and home made chicken broth from leftover chicken bones, spaghetti with leftover meat and extra veggies added to the sauce or burritos made with rice, beans and leftover meat. I try and have the kids eat cereal or oatmeal a few times a week and they eat eggs almost every day for breakfast as well. We stopped buying junk food and are all eating healthier as a result.

 

Oatmeal made with unsweetened coconut milk, a homegrown apple and cinnamon.

 

Another way we tried to save money on our grocery bill was to grow a garden.  This year was our first year so we had to buy a lot of gardening supplies such as plant boxes, soil, trellises and hoses so we definitely spent more than we saved but I think over time our costs will go down and we may begin to save a little money. It was well worth it for us to see the magic in our kids eyes when they eat the food they helped grow and we are eating more organic foods because we do not use pesticides.  Every day my kids ask to pick ground cherries and that is their afternoon snack. All of our ground cherry plants are freeloaders that sprouted from last year’s $3.00 plant sale find so that was definitely money well spent!  We haven’t really had to buy vegetables for a few weeks and we are overrun with tomatoes at the moment so I have really been enjoying the savings on our grocery bill! I would recommend starting out small if you haven’t ever grown a garden before and be mindful of how much water you will be using since that is a hidden cost of gardening.

 

Overall our quest to reduce our groceries has mostly been about awareness and working on not overspending.  Every time we go to the store we ask ourselves if we really need whatever item or if we could just use something on hand.  We are really working hard at not wasting our food and building our weekly shopping trip off of what we already have, not what we would fancy at the moment. Our bill has gone down a little and we still need to work on that but we are headed in the right direction and now that we are more aware it is becoming so much easier to keep track! My focus over the next few months is to reduce our grocery bill by about 25% which is a lot going though the holiday season. We host Thanksgiving, birthdays and events for our friends over the next few months so not going overboard with the cooking will be a welcomed challenge.

 

How are you cutting back on your grocery bill?