A blog about family, food and fun!

Tag: financial planning

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:

 

 

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!

 

 

 

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 […]

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 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.

 

Homemade meatballs, homemade hummus, crackers and salad.

 

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!

 

Apparently our son needed “face paint” in the form of stamp ink all over his body.

 

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!

 

Outgrown clothes off to another Buy Nothing member.

 

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.

 

The view on my weekly walk with a friend.

 

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.

 

Tulips coming up in the garden.

 

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?

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 […]

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 2

Uber Frugal Month Challenge Week 2

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.

 

Our “small” Costco trip this week.

 

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?

 

Banana’s Foster for the grown ups!

 

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).

 

Yummy Pear Sauce!

 

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.

 

Burritos made from homemade black beans, rice, sheep’s milk cheese and corn tortillas with salad.

 

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.

 

George trying to eat my snack.

 

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?

 

A List of Sort of Financial Goals for 2018

A List of Sort of Financial Goals for 2018

Usually this time of year I start looking over our finances for the year, project our income a year ahead and start setting some goals for the year. I don’t do New Year’s Resolutions because I am not great at following through with them but […]