Indoor Seed Starting Time It is that time of year again when I start to think about what seeds I need to start indoors. This is our third year gardening at our house and the second year for us starting seeds indoors. Last year […]
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 […]
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 we need to do to get us there. Even though we had an expensive month with a hot water heater replacement and unexpected car repairs we were still within budget on the expenses we were focusing on.
One of our main focuses this month was our food. I am sure that if you have been following my posts on Instagram and Twitter displaying some of the meals we have eaten that we tend to eat the same thing over and over again. That is one of the ways we save money. We bought a huge chunk of pork from Costco and my husband broke it down and made several things out of it including breakfast sausage, garlic meatballs, and what we call basic cooked pork which is pork cooked in a pan with salt and pepper. Basic cooked pork is very versatile and you can add it to all sorts of dishes such as salads, burritos, over rice, in sandwiches and anything else you could think of. We also ate much healthier this month with many vegetables and more vegetarian meals which I am proud that our meat-loving family was able to do with very little fuss. Our goal was to spend $500 on groceries for January and we ended up spending $430.36! We did this without creating a large deficit in our pantry either and made sure to stock up on our basics as we ran out of them. Too many people fall into the trap of cutting way back on groceries one month and then over spending the next because they run out of basics. We will probably need to buy a few such as rice, flour and more vegetables next month but we are not out of “everything” so we should still be able to keep within our budget. Yay!
One of the things we also did to be Uber Frugal was to cut back on our outings from the house that cost money. This was pretty easy for us since our kids spent most of the first half of January miserable with colds but it did lead to some mischief making due to antsy children. We did purchase a membership to the Pacific Science Center which we will be using regularly and will give us a discount on summer camps but for us the $140.00 over the course of a year was well spent. Sundays there is free parking and we always pack a lunch so the cost per visit if we go only 6 times this year will be less than $25 for our family of four (oldest will have to use free guest passes when she is in town) which comes out to a little over $5 per person which isn’t bad at all. The more we go the better the deal too!
When we were doing the Uber Frugal Month Challenge we noticed that we spent quite a bit of money on clothes last year so part of our focus this month was to reduce that. We were able to score some brand new thick leggings for our daughter and a bunch of clothes for our son in the next size up from our local Buy Nothing group. We also passed on some clothes that our kids have outgrown and other household items that we no longer needed. I am a huge fan of the Buy Nothing Project! We have both given and received some awesome items from the group. Our group has bonded quite a bit and there was even a meetup this month for group members that we missed but I am super excited to make the next one.
Another frugal activity I participated in was walking this month. I have a friend that I walk with pretty regularly but we had gotten out of the groove with the holidays and sick kids. We made an extra effort this month and were able to meet almost weekly for our 2+ mile walk through a nicer neighborhood with plenty of gorgeous views. Fitness is a huge part of being frugal because when you are unhealthy it will cost you more in health expenses. Walking is a great free activity and it also gets you out getting to know your neighborhood.
My biggest takeaway from this month’s challenge was how creative being Uber Frugal made us. We ate some interesting meals and had great fun thinking outside our box with taking the kids for a walk in the rain, reducing our clothing spending and figuring out how to reach our financial goals on paper. We were previously stuck in a spending rut and this month’s challenge was an awesome way for us to get out of it. I am excited for all of our frugalness next month and to see how it will change our spending over the long term.
How did the Uber Frugal Month change your habits?
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 […]
I have been asked quite a bit lately where the name Oscoey came from. For some reason it always catches me by surprise and I have to wing a response that is short and somehow makes sense and doesn’t turn into an awkward conversation so […]
Well dear readers, week 2 of the Uber Frugal Month Challenge went off the rails a little bit. We had a busy week with sick kids and another family member was ill so I have not done the last 4 or 5 daily tasks from the UFM challenge. I skimmed the emails, but I did not have time to go through and read all of the articles. My goal this week is to catch back up on the reading and sit down with my husband and talk some more about the challenge and complete our tasks.
We did a decent job at keeping our spending down this week. We ran out of coffee though so I had to make a quick trip to Costco (our favorite place to shop) to pick some up. In an effort to prevent a second trip over the weekend I spent some time looking over our supplies and made a bare bones list. Although it may look like we bought a ton, we were basically out of everything. I bought three bunches of bananas so I can replenish our dried banana chip supply (recipe here), raisins (sometimes the only fruit my picky eater will eat), greens, gluten-free bread, fresh fruit, peanuts (a great protein snack), applesauce pouches for lunches and of course diapers. I also bought some vitamin D since we are almost out and they were on sale. I was hoping to buy some pears to make pear sauce out of in a couple of weeks but they were out. The only “extra” I bought was the broccoli and that was only because my son insisted on buying it and who can say no to a kid that wants broccoli?
We did end up having to stop at the store over the weekend to pick up some vegan cheese for the kids and their milk was on sale so we grabbed a bottle of that as well. Our splurge purchase of the week was a pack of popsicles ($4.00) that we ended up getting for the kids. They have been basically sick for three weeks straight and we have been making popsicles out of the juice we have on hand that they never drink but our kids rebelled and we gave in and bought them “real” popsicles. Sometimes you just have to give in to your kids when they are sick so they will get enough fluids. We ended up spending about $145 on groceries for the week but that included high ticket items such as diapers, vitamins and coffee so we did pretty good. We are still under our grocery budget for the month and we should be able to avoid buying groceries for at least another week (although as I was typing this my husband informed me we are almost out of toilet paper).
I will say that you should make your own applesauce and put it in reusable pouches if you can. It is super easy and homemade applesauce tastes so much better (here is my pear sauce recipe). I usually have a supply of both apple and pear sauce in my freezer as well as some in jars in the pantry but this year was not a good year for apples and my usual source of free apples had none to spare. We were super busy this fall with back to school shenanigans and applesauce making did not happen. Needless to say I am not happy about our applesauce pouch habit but sometimes when life gets hectic you have to find small ways to make it easier and buying applesauce pouches so that my kids will have something in their lunches that they will actually eat is one of the ways I am doing that right now.
We did however this week do an excellent job of eating things out of the pantry and the freezer. We pulled these corn tortillas out of the freezer to make both quesadillas and burritos this week and they were delicious! My husband also made homemade chicken stock and made a baked potato soup out of it that was delicious. We used up some sweet potatoes and the last of the Brussels sprouts, found some real (as in cow milk, not non-dairy) ice cream in the freezer to make Banana’s Foster after the kids went to bed. My husband also made bagels from scratch instead of going to the store to buy them and the kids loved eating them toasted with their non-dairy cream cheese. I think next week will be a challenge for us not to run to the store. I did not buy meat at Costco when I went because we had a bunch of turkey that needed to be eaten so next week’s meals will probably lean towards the vegetarian side. We do have a freezer meal stashed away that could last a couple of meals if we stretch it with rice or something similar. It will be interesting to see what meals we come up with in the next week.
We did have a couple of major expenses come up this week. The first being the leak I discovered in my car. I parked it outside in the rain for the first time in a while and when I got back in water was dripping from the lights over my head. We are still under warranty and I am hoping the repair will be covered but I anticipate being without a car for a while since they will have to dry it out. I can’t get the car in for a couple of weeks though and still get a loaner car so I am parking it indoors as much as possible. The other major expense that came up is our hot water heater needs to be replaced. We knew when we moved in two years ago that it only had 2-3 years of life left before we would need to replace it. It is on our short list of repairs that we will be doing this year and I was planning on having it done sometime in March but when I went to do laundry yesterday we discovered it was leaking all over the laundry room floor. Needless to say we will be taking care of that ASAP. We have the repairman scheduled for this week and luckily since we were planning on replacing it soon we have the money set aside for it.
So far I have really enjoyed the UFM Challenge. It has made us rethink our purchases and we have definitely paused before buying something and thought about whether or not we really need it. One of the things that has stood out to me is how expensive it is to feed our kids. I am looking forward to when our garden is in full production and we will have nearly free fresh produce every day!
How are you being frugal this week?
When my oldest daughter turned one many years ago she was inundated with so many gifts they filled a small kiddie pool. She was the first grand kid on my side and her dad has a large family plus being the first child of our […]
I was given the opportunity this week to check out a new retirement planning tool by AceYourRetirement.org and although I was not paid for this article it does contain promotional material. I would never post about something I have not tried myself and I always give my honest opinion about any product I recommend.
One of our biggest goals over the past 10 years as a couple has been to maximize the amount we are able to put into retirement savings. It is really easy for families to get sidetracked with everyday expenses and short-term goals such as upcoming vacations or maybe the kids have extra-curricular activities that need paying for and lose sight of the bigger picture. We have been focusing on retirement and ever so slowly our small nest egg has begun to grow. I am really glad we have been focusing on retirement too because my parents did not and now they are struggling to find ways to support themselves after some medical issues popped up. I do not want to put my children through the same kind of stress so by maximizing our retirement savings I am hoping to prevent it.
The fact that 2 out of 5 households do not save for retirement is very worrying. Even small savings steps can pay off in the long run. Our family went from struggling to save 4% to get our full employee match eight years ago to reaching our goal of 10% this year and I am super proud of us. It took a lot of hard work, determination and some aggressive debt repayment but I am finally feeling a little bit more secure about our future. Some of our savings tips can be found here on the blog:
- A New Beginning in Budgeting Part 1: Using Quicken to Build a Buffer
- A New Beginning in Budgeting Part 2: Adjusting our Grocery Spending
- A New Beginning in Budgeting Part 3: Reducing our Clothing Spending
Understanding your exact retirement needs can be confusing sometimes since there are so many ideas on what is the best approach. Here are some simple tips for helping you get started with easy-to-understand resources at AceYourRetirement.org. We follow many of these steps and I found a few more great ideas when I went through the AceYourRetirement.org website. It only took a few minutes too!
5 things to consider to help you maximize your retirement savings.
- Minimize debt – but not at the expense of paying into your 401k or other retirement accounts. The less debt-load you have during your retirement, the more you’ll be able to make your retirement dollars stretch.
- Don’t rely solely on Social Security – in fact people are often recommended to wait until up to age 70 to collect Social Security to allow benefits to grow more.
- Consider whether downsizing your living quarters makes sense once children are grown and out of the house.
- Make sure your beneficiary designations are up-to-date and talk to your spouse to make sure everyone is on the same page.
- If you’ve been divorced but not remarried you may be eligible to Social Security benefits from your ex-spouse.
- Enroll in a retirement savings plan. Even a little bit held out from each paycheck can really add up.
- Never contribute less to your 401k account than your employer matches if they offer a matching program. Save more if possible and increase your savings by 1% per year whenever possible.
This time of year can often get pretty hectic with all financial goals flying out the window. Winter clothes, Christmas presents, and so on. But this year I’m already looking ahead at next year’s goals. The retirement calculator and tool at AceYourRetirement.org was great for personalized, simple tips on how to jumpstart my retirement savings. It was so helpful to me to see a couple areas that I could adjust to help improve the financial situation of our family. Now that we have hit our goal of saving 10% we are looking to increase our retirement savings by 1% every year and try and eventually maximize our contributions. One of the ideas that AceYourRetirement.org mentioned for us was for me to start working again to maximize our Social Security benefits. I have been thinking of going back to work part-time and this has motivated me to start looking for a job! I also love that they recommend you find a hobby to earn extra income during retirement. Just because you retire doesn’t mean you can’t earn extra income!
Taking steps to take control of your retirement planning could have a positive impact in many areas of your life. Many times families save for their kids’ college and leave nothing for themselves to retire on. This puts extra pressure on the kids to support their parents later on in life, something that many young adults may not be prepared both financially and emotionally to do. More than half of people in their 40s and 50s say that feeling more confident about saving for retirement would help them feel less stressed (54%). And 46% would be happier knowing they are taking care of their family’s future. I know I feel better about our retirement path after working through the AARP website AceYourRetirement.org. You should check it out and see what easy steps they have for you!
One of the easiest, cheapest and healthiest snacks I make my kids is dried banana chips. My son absolutely loves them! We buy a couple of bunches of bananas at Costco for $1.39, slice them up and put them into the dehydrator and at the […]