A blog about family, food and fun!

Tag: budgeting

Three Year Blogiversary and Reflections on the Past Year

Three Year Blogiversary and Reflections on the Past Year

Oscoey’s three year anniversary passed in March and as much as I wanted to write a post about it we were dealing with Covid-19 and still adjusting to working from home, teaching our kids and being home together all the time. Oscoey was something I […]

How “Sleeping in” Until 5:30 Costs us $300 a Month

How “Sleeping in” Until 5:30 Costs us $300 a Month

I really love the idea of small changes over time adding up to huge improvements later on in life. When we first started our journey towards better financial health way back during the 2008 financial crisis we made many small changes that reduced our spending, raised […]

Our Not-So-Frugal San Francisco Trip February 2019

Our Not-So-Frugal San Francisco Trip February 2019

Mr. Oscoey and I have always loved San Francisco. We went there once many years ago by ourselves for a whirlwind 18 hour trip and had always wanted to go back but never found the time or money. Last fall (while I was laid off mind you) we heard about a screaming deal on plane tickets out of the newly opening Paine Field in our area. Our little kids had never been on a plane before and we figured that leaving from a smaller, much less crowded airport would be a good introduction and test of air travel. Our kids get overwhelmed in crowds and with all of the new experiences they would have with flying we thought taking off from a small airport with less people would help them get used to the idea. Unfortunately the government shut down at the beginning of 2019 and some of the airport permits did not go through in time so we ended up flying in and out of the much busier Sea-Tac and it ended up working out. Our kids were very excited and even though security lines were so long we almost missed our outbound flight, there were no dreaded airport meltdowns and our first plane rides were a success!

 

Sea Lions on the Pier.

We stay fairly close to the waterfront and were able to walk to a lot of destinations. Since we were close to everything the hotel was a little bit pricey but we continued our tradition of finding a place to stay with a kitchen and after stopping at Trader Joe’s we had some pretty inexpensive meals ready to go. Our kids get up at 5:00 in the morning and not many places are open at that time so we bought some milk and cereal for them to eat before we left in the morning. We also bought snacks and some bacon and spent about $30 total for 6 days worth of breakfast and snacks.

 

Bay Bridge San Francisco

The plane ride and following shuttle went smoothly but I was pretty disappointed that the kids were not more interested in watching the plane take off. They were too busy watching Octonauts…which I am grateful kept them busy during the flight. The first place we stopped was the Ferry Building where we ate the most delicious gluten-free pastries ever and walked around seeing the sites. We walked out onto a pier and got a beautiful view of the Bay Bridge. The kids were very excited and walking around got most of their wiggles out. One of the ways we saved money was by buying a Citi-Pass. With that we got into the California Academy of Science, bus/cable-car rides, a cruise of the San Francisco bay, into the Aquarium of the Bay, and into the Exploratorium. Our son is three and he was free at most of those places so we only needed three Citi-Passes for all four of us and it ended up being a good deal.

 

Aquarium Fish
Aquarium at the California Academy of Science

The second day we spent most of our time at the California Academy of Science. We loved the aquarium on the lower floor. It was so big we had to stop mid-way for lunch! Our kids love fish and the way the aquarium was organized it was easy for even my three year old to understand that they came from different places around the globe. We learned a lot about our oceans on this trip for sure!

 

Amazon Rainforest Exhibit

My absolute favorite area was the underwater Amazon Rainforest area. You can’t tell from this picture but these fish are seriously 8 feet long and it was amazing to watch them swim around overhead. I had no idea that freshwater fish could get that big!

 

Rainforest Exhibit

Part of the gigantic Rainforest Exhibit was a sphere similar to the Amazon Spheres we visited last fall only with way more plants and animals. It was much cooler and we got to see so many things with great displays that taught my kids about how coffee grows, where in the canopy different animals live and how we can protect the rainforests for the future. I am a plant person so I loved looking at the plants and got some ideas for how to lay out a garden.

 

The roof of the California Academy of Sciences.

We spent most of the day and explored a large chunk of the California Academy of Sciences, including the amazing roof but we still did not see the whole thing. We definitely want to go back next time we are in San Francisco!

 

Alcatraz Island
Alcatraz Island

Our second full day we took a boat tour of the bay. This was something that was out of my comfort zone and honestly if we hadn’t bought the Citi-Pass we never would have gone on it. I get really seasick and boats are something I usually avoid but the water ended up being pretty calm and besides being a little bit cold we ended up having a great time. Our kids loved looking out at everything and seeing where we had been from the water. We went under the Golden Gate bridge and it was eye opening to see how big it actually is up close. We also went past Alcatraz and got some great views.

 

Aquarium of the Bay

After the boat tour we went to Aquarium of the Bay which was right next door to the boat dock. Although it is a little bit small (you can do it in about an hour) it was jam packed with fun and we ended up going through the entire Aquarium twice because we loved it so much. Our favorite part was these two long tunnels that went under different types of fish. The coolest one was the shark tank! You can see sharks up close and they are swimming all around you which the kids loved. They also had a great area where you could feed rays and our daughter got to feed one which was super cool. We would definitely go back here next time we are in San Francisco!

 

Ghirardelli
Ghirardelli Square

We made a stop in the evening at Ghirardelli for some ice cream. The kids loved it! They got to eat sugary treats and we picked up some chocolate as gifts. There were shops to explore and most importantly a fountain to jump around.

 

Exploratorium

Our last full day we had coffee with a friend, went to the Exploratorium and rode the cable car. The Exploratorium is basically a gigantic warehouse with tons of science experiments. It was a lot to take in and we let the kids wander and look at what they were interested in. There was no way we would be able to do the entire thing in one day. It seemed to be geared towards a little bit older children. Our 5yo had a great time but there was a ton of reading to do to be able to do the experiments and although our 3yo had a great time I think he would have gotten more out of it if he had been a couple years older. Our favorite part was the outside exhibits where the kids could run around. The inside was pretty crowded and echoey which my kids had a hard time with. There also wasn’t a lot of room to run around since it was packed with experiments. We would definitely go back but probably not until the kids are older. ‘

That evening we rode the cable car and it was fun but we were super tired from a long week and we ended up cutting it short and heading back to the hotel to sleep. We packed a lot into our trip and even though we took naps every day we were pretty exhausted by the end of our trip.

Golden Gate Bridge
A view of the Golden Gate Bridge from the beach.

Our last day we had some time in the morning so we went to the beach and hung out for a while before driving over the Golden Gate Bridge. Our kids are early risers so we were able to get there early enough that we had the beach to ourselves.  We walked around, looked at the bridge from another angle and then drove over and looked at the city from across the bay. It was a nice way to end our trip reflecting on where we had been and what we had seen.

Hanging out on the beach.

 

We had a great time in San Francisco and I am really glad we decided to rip the bandaid of air travel off with our kids. We are excited for more plane rides in the future and we are already talking about going back to San Francisco possibly next year. It is definitely one of our favorite places to go!

 

I don’t have any affiliations with the places listed below but here are links if you are curious:

 

San Francisco Citi-Pass

California Academy of Science

Aquarium of the Bay

Exploratorium

 

A Declaration of More Family Travel

A Declaration of More Family Travel

Travelling has always been something that we have wanted to do as a family but we have never actually done much of. Before we had the youngest we took 2-4 small trips a year spread between Oregon, the Washington Coast and Vancouver, BC for a […]

A not so Brief Hiatus…Part 2

A not so Brief Hiatus…Part 2

A few months back I wrote my first post after going back to work (A not so Brief Hiatus) about the gap in blogging while I went back to work. I didn’t blog for eight months last time which was almost the entire length of […]

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 to balance everything is an understatement and I am very impressed with everyone who can keep their households running successfully with both parents working full-time! We were only semi-successful at keeping everything running smoothly but lots of corners had to be cut and the blog was one of the activities I had to drop in order to get at least a little bit of sleep every night. I do not function without a full night of sleep so going to bed on time was mandatory!

 

Weedy garden.
Gardening did not happen much this summer.

 

Oscoey was also discovered by some people in my real life through the magic of Instagram suggestions and I squeezed in some time to think about the direction I want to take with the blog and how much I want to reveal about our finances. On one hand I would love to be fully transparent about finances and put it all out there but I know that it would not work for the Oscoey household so I am going to try and reach a healthy medium. I am still not sure about how much we will reveal but look out for more Personal Finance posts in the next few months! I definitely want to follow up on our 2018 Financial Goals and lay out the direction we will head in 2019. Yes, I am already thinking ahead to 2019!

 

Raspberry ;picking
We fit in raspberry picking last minute but did not make jam this year.

 

I hope everyone had a great time this spring, summer and fall! Feel free to follow me on Twitter, Instagram, Facebook and Pinterest! Please look for my post later this week about recently being laid off and in the meantime here are some of Oscoey’s most loved posts!

 

 

Going back to work after being a Stay at Home Mom

 

Easy Dairy-Free Grandma’s Fruit Salad

 

How we Avoid Birthday Present Overgiftingitus

 

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 […]

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 not doing well this week and the outlook does not seem promising. This person has lead a full life and everyone in the family pretty much agrees that it is better for them to go quickly rather than to linger. That being said, I was really surprised to discover that almost nobody was in the loop as far as what to do if this person (who is the glue that holds our family together) were to get ill and not be able to take care of themselves.  I thought that when this person’s spouse passed over a decade ago that everyone got together and hammered things out since it was quite a mess and nobody knew what to do. Needless to say nobody agrees on care and there have been some huge arguments that could have easily been avoided.

 

Even if you are healthy you should have basic care initiatives laid out in an easily accessible place for family members to follow. 

 

I thought I would talk about some of the more important aspects of long term care and highlight some of the most important areas to plan out in advance. It is highly recommended that adults should have a basic will in place, this is especially true if you have kids. We have one drawn up but not officially signed that basically says that everything is split between the kids evenly.  It took us a couple of hours to fill out the forms and we just have to go to a notary to get it signed but life got in the way. This isn’t an excuse though! Last week’s events motivated me to get on the completing of our will.  A basic will should not cost you more than a few hundred dollars and many employers offer lawyer services as part of their benefit packages that you should take advantage of to draw up a basic will. You can always go back and change it later but at least you will have something in place with your care directives all lined up.  Keep a copy in a fire proof box somewhere in your house that will not be destroyed by a natural disaster (earthquake, tornado etc) and a digital one as well.

 

The three most important things to have in place are:

 

 

DNR (Do Not Resuscitate) Paperwork

This should be very clear on what conditions you want treated. I have worked my way through a couple of these and there is a line on there that describes giving anitbiotics that can be very murky. Do you want antibiotics if they will cure a life-threatening illness? Do you want them for something not necessarily life threatening but could turn into something life threatening later on? Do you want antibiotics for something non life threatening but might cause discomfort? These need to be clearly laid out in the DNR and explained to all people that might have to make a decision about your care under pressure in the hospital (spouses, children, close family and friends).

 

Example: You fall and break your hip requiring a long stay in a rehabilitation facility. You are unable to use the restroom by yourself and require help which is not so great and you develop a UTI which goes unnoticed until it gets bad. Did you know that UTIs can cause delusional thinking if left untreated? Once they reach that point you will require hospitalization and will be unable to make your own decisions. This is where the antibiotics section of the DNR gets murky. Clearly your issues is the UTI but giving antibiotics to save your life might not be what you want and doctors have to follow the DNR exactly to protect themselves from lawsuits so it is important that you are clear about what you mean by “antibiotic use”.

 

Clear Instructions for Long Term Care

We spent a lot of time over the weekend wondering what exactly our relative wanted for care. Did they want to stay in their home? Did they want to be placed somewhere? Nobody knew because there was no discussion before hand. It would also be wonderful if someone in the family was in charge of researching what care facilities are good in your area. There has been a lot of scrambling the past few days with people trying to make phone calls and figure out where is a good place that is not too expensive. You should have a rough idea of what places have good reputations and have a clean bill of health. Here is the link to the DSHS long term care facility information page for Washington State. I am sure you can Google your neighborhood and find information about care facilities in your area. This site here provides detailed health inspection reports of nursing homes from Medicare and rates them based on health inspections, quality and staff.  I have found it extremely helpful and quite honestly some of the health inspection reports I read were difficult to get through.

 

Long Term Disability Insurance in Place

You never know what lies ahead and most standard insurance plans do not cover long term care. Nursing homes run from about $8000 to over $12,000 a month and sadly the quality of care somewhat depends on price. Cheaper facilities have fewer staff members available and that can lead to mistakes. Unless you have a large stash of cash set aside just for long term care your relatives may be scrambling to find somewhere that is both affordable and provides the care that you need. I have seen many families try to care for relatives on their own but it is difficult to do and many people burn out quickly.

 

Even having these three basic plans in place will ease the stress of decision making for your family and make your care go much smoother!

 

I hope that by writing this out it will at least spark some conversation with the people important to you and hopefully inspire you to take action and get a basic will written out and explained to the people you have chosen to be your care givers in the event that you are incapacitated. At the very least speak to those close to you about your DNR requests so that if they are ever in a position to make a difficult decision they will have some sort of idea of what you want.

 

Below are some websites that I found with much more detailed information about will writing and many more questions you should be asking yourself. It is not an exhaustive list but somewhere to start the process. Please feel free to comment with any other helpful links! I am sure there are many more out there!

 

American Bar Association

 

National Caregivers Library

 

AARP

 

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 […]