A blog about family, food and fun!

Tag: finances

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 […]

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 my employment until I was laid off in October. Although this time around the break from blogging was shorter at seven months the long break did feel very long. I have had so many ideas floating around in my head about blogging that I wish I had really had the time to write everything out but the reality is that my week is packed and the weekends aren’t any better.

 

One of our many day trips out in nature.

We have made a huge effort this year to go out and do things. I have always wanted to travel more and this year instead of always talking about traveling I decided we were just going to go ahead and do it. It has been a huge success! We have so far gone to San Francisco, Eastern Washington, checked out the cherry blossoms at the University of Washington and headed up north to the tulip fields. We have two family trips scheduled for June, a yet to be determined beach vacation penciled in this summer, a something else over Labor Day weekend and we are trying to figure out what to do towards the end of the year. Our family has had an awesome time and our kids love getting out of the house and exploring new areas. We are definitely going to try to hike a bit more this year now that our youngest is three and can keep up for almost a mile before getting tired so any family friendly hikes you know of in the PNW I would love to hear them!

 

Golden Gate Bridge on our San Francisco trip.

 

Cherry blossoms at University of Washington.

 

Rock paintings along the Columbia River.

I started back up at work right before Christmas and I absolutely love my new job. It is at a much larger company with room to grow. My schedule is flexible enough and most importantly of all it is pretty low stress. My biggest complaint is my commute but we are torn about moving closer into the big city with the market starting to be unstable so for now it will continue to be a huge chunk of my day. I am now driving a hybrid car and even though I drive 2-3 hours (yes it really is that bad) each weekday getting to and from work and picking up kids after school I am only filling up my gas tank once a month or so at $40 a tank which is so low I don’t ever worry any more about how much we are spending on gas every month.

 

I plan on blogging more now that our schedule has smoothed out a bit but in the meantime follow me on Twitter, Instagram, Facebook and Pinterest! Here are some of Oscoey’s most popular posts:

 

The Importance of Walking in the Wood With Kids

 

Dried Banana Chips

 

How we Avoid Birthday Present Overgiftingitus

The Dreaded Lay-off…

The Dreaded Lay-off…

A little bit ago I was laid off from the job I started last spring. It was very sudden and shocking to me but the job was not going that great and if I had not had the most dreadfully awful week I probably would […]

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 […]

Happy Blogiversary!

Happy Blogiversary!

One Year of Blogging Done!

 

Last weekend was the one year anniversary of Oscoey. I can’t believe how quickly the last year has gone! I have learned a lot about blogging over the past year and gotten to know many fabulous bloggers as well.

 

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Huckleberries in the garden.

 

When I first started out blogging with my very first blog post:

 

Welcome!

 

I had all sorts of ideas of what I wanted the blog to be and then the reality of life set in and I had to way scale back my ambitious plans.  There simply was not time for me to be posting quality posts 3 days a week, be on top of social media all day long and be an active member of all the blog groups I am part of and have some semblance of a home life. Luckily I realized pretty early on that it is ok if I can’t write an article for a few weeks or if I miss out on pivotal twitter discussions because I am not doing the blog as a full-time business making gig. I am doing it because I enjoy writing about our life and I love the community of people I have become a part of.

 

Raspberry Jam!

 

My blog first started out as a basic mom blog with many posts about the garden and recipes. I loved my weekly garden posts and will continue them on a less frequent basis this year. I love looking back at how the garden changed over the growing season.  I am probably going to scale back on the recipes though. Mr. Oscoey is more the cook in the family and now that I am working again I really don’t have time to cook much any more.  I use my banana bread and chocolate chip cookies recipes all the time though. They are a great dairy and gluten free choice for any sort of social gathering you need to bring an item to.  I am planning on making my dairy and gluten-free banana bread to bring with a jar of homemade jam to our work potluck at the end of this month.

 

Summer squash.

 

I have spent a little time focusing on urban homesteading on Oscoey because I firmly believe that people should grow at least a little of their own food. It is easy to set out a pot and even just grow a little bit of lettuce. Connecting with nature and understanding the seasons is something a lot of people have lost. Growing your own food is the easiest way to regain that connection and as an added bonus you have cheap organic produce to munch on! I am very excited to start our garden this year and I look forward to spending time out there with the kids every day. They love to graze and eat whatever is in season and that is fine with us!

 

Blue skies.

 

After I had done the mom blog thing for a while and focused on our little urban homestead I found the personal finance community and I haven’t really looked back. I love reading about personal finance, talking about savings strategies and getting inspiration from others. I will be honest and tell you I was a little nervous when I added the “Finances” category to the top of my page but then I did the Uber Frugal Month Challenge this January and I loved being a part of that community and jump starting our frugal mindset once again.

 

Wrinkly full picture off of the frame. 3/30/17

 

My crossstitching progress pictures seem to have fallen by the wayside…and that is mostly because I have not been stitching.  I would love to have the time to stitch every day and I am very inspired by my Instagram feed with everybody’s progress but I am honestly too tired at the end of the day to even think about picking up a needle.  This picture was taken almost a year ago and even though I have actually made progress on the piece I am no where near finished with it like I had hoped.  I also have several sewing projects I would love to write about that I have not worked on in months so I think one of my blogging goals for this year is to talk about some of my projects and spend some time tracking them on a weekly basis to motivate me to finish them.

 

Oscoey had a great first year! I want to thank everyone that is a regular reader of the blog! I love your comments and interacting with you. Here’s hoping to another great year of blogging!

 

 

 

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 […]