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Tag: frugal

Gardening Update 6.14.2020

Gardening Update 6.14.2020

This year is the first one in a while I have been excited about my garden. Working from home for the past few months due to the Corona virus has greatly reduced my commute time from 3-4 hours a day to nothing and this means […]

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 income and increased our savings rate. Over the last 10+ years many of the small habits we started are so ingrained in us that we don’t even think about it any more. We have added a couple of kids since then and now we have one in college and our expenses have dramatically increased so small changes are much more important for our overall financial health. I find that when we don’t keep track of the smaller things the larger ones get lost as well. One of our biggest costs every month is child care and keeping those costs low is a priority for us right now as we head into another school year where we could potentially be paying way more than we budgeted for if we are not careful.

 

Eating out is now reserved for vacation and free lunches from work.

 

As ridiculous as it seems, “sleeping in” until 5:30 am every day costs us around $300 a month. How you might ask? When I sleep in I start work an hour later and we end up paying for an extra hour of child care after school. At $15 an hour for two kids times 5 days a week is $75 a week extra in child care. Multiply that times 4 and you are at $300 a month which of course would be higher in a 5 week month. It is kind of ridiculous to think of that extra hour of snooze time as costing us so much money a month and $3900 a year if we do it all 52 weeks!

 

Small changes over time add up to huge improvements later on in life.

 

We are super lucky to have flexible schedules and childcare that charges us by the hour for after care instead of a blanket amount each month but it also leads to childcare costs not being steady and harder to budget. Starting this summer is our first time having to pay for after care for both kids. Prior to that our son was in a more traditional day care setting and had a flat monthly rate which was great for budgeting but it never went down when we missed days. Now that he is a preschooler his official school end time is at lunchtime and we pay for afternoon care by the hour. Our daughter gets out at 3:00 and we pay for care after that time.

 

We spend our free time before dinner puttering about the yard for free.

 

One of the good things about this arrangement is that we are able to put our child care costs on a credit card and earn cash back for something we would be paying anyway. This only works though if you are paying off your credit card every month and not paying any interest. We find out about three weeks in advance how much our bill will be and prior to that I put a placeholder in my Quicken account for an estimated amount that is over what I think it will be and that helps us prepare for making a large payment on the next payday. I budget for childcare based on when they bill us. We get billed on a monthly basis from September through the first half of June and then we get a separate bill for care from the second half of June through the end of August. Last year all of the charges for the second half of June, and all of July and August went through in September so it was quite a large amount but I knew it was coming so I was able to set aside money and schedule my payments out in advance.  This uneven way for charging us for child care is part of the reason why we have had a hard time budgeting over the past few years. Our expenses vary so much based on which month we are in that it is difficult to plan. Putting our expenses into Quicken months in advance and then looking at our lowest point over the next six months has really helped keep things in perspective.

 

We budget six to nine month in advance to get a bigger picture of where our finances are heading.

 

To reduce our child care costs Mr. Oscoey and I do a mini split-shift with work . I go in super early and pick the kids up as soon as I can and he drops them off when school opens so we are not paying for before care as well. We do this to save money and because our son can’t really be dropped off early enough to make a difference in paying for before care for our daughter. It does cause some issues, mainly because sometimes Mr. Oscoey has to go in earlier but so far we have been able to work it out where I work from home before dropping the kids off closer to 9:00 but honestly this is pretty exhausting for me. I usually end up having to work another hour at night and spreading my 8 hours out over the course of the day like that makes the work day seem soooo much longer. My commute is pretty bad and when I split my working hours up I end up spending the entire day working, driving, working, driving, eating dinner, and then working some more and that is not super fun. I need down time every day and when I work those crazy split shifts I don’t get enough.

 

Stitching time is precious and I get far too little of it.

 

Last year when we were only paying for after care for one kid some months Mr. Oscoey was able to get off early and pick the kids up by 3:00 nearly every day our bill was only $150 for an entire month which is super cheap. Based on our normal pick up time for this year with two kids in after care we will end up paying $262.50 a week if I sleep in until 5:30. This ends up being over $1000 a month which is a huge chunk of our budget. If I can leave in time to save an hour of after care every day that will lower our bill by $75 a week and $3900 a year! Unfortunately when Mr. Oscoey got off work early enough to pick up the kids and avoid after care he would have to work late at night and we would not get grown up time. For everything there is a trade off and finding balance while being a working parent is difficult.

 

Leaving an hour earlier will save us $3900 a year in child care costs!

 

If we wanted to save $3900 dollars a year and pick the kids up right after school I would have to get up at 4:30 every morning and unfortunately that is not an easy task for me. I need my sleep, like really need my eight solid hours a night and I would have to go to bed immediately after the kids if I wanted to get up at 4:30 in the morning every day. Leaving earlier would also be a guarantee that I would not see the kids in the morning, even for a little bit, nor would I get alone time with Mr. Oscoey at night.  Being a working parent is all about balance and I love seeing my kids in the morning before I leave. We snuggle on the couch for a few minutes and we talk about our day for a bit. Sometimes if they get up early enough I am able to eat breakfast with them and maybe read a book. The days that I don’t see my son before I leave it is hit or miss whether or not he will cry for a long time because he didn’t see me before school and that is hard to hear about when it happens.

 

Copious amounts of coffee keep me going during the day with little sleep.

 

Alone time with your spouse is also key to a healthy marriage and difficult for any couple with small children. Mornings are spent packing lunches and getting ready for school/work and the evening is the only time Mr. Oscoey and I are able to catch up about work or talk about what our family plans are. I also spend some some of that time working on the blog and balancing our checkbook. Right now we are trying to watch “Game of Thrones” which is pretty inappropriate for kids so we are only able to watch when we are alone. Running the numbers on how much we would save if I leave earlier in the morning was pretty eye opening though and I think I will try to find a compromise where I can leave earlier some of the time and maybe have Mr. Oscoey pick up early when he can. I don’t want to lose too much of my morning time with the kids nor my evening time with Mr. Oscoey so we will have to find a way to reduce our costs without bringing too much stress into our lives.

 

Balance is key when you are a working parent. 

 

What could we do with an extra $3900 a year? I can think of so many things but I would absolutely love to travel with part of it and invest the rest. If we saved $3900 for the remaining 6 years that we are paying for after care for both kids it would be a grand total of $23,400 plus interest! This small change would have a huge impact over time. It is definitely something I am going to work on and see if even leaving 30 minutes earlier will save us that hour of child care in the afternoon.

 

What small changes are you making that have a huge impact on your life?

 

 

Using Quicken to Budget

 

Spending Alone Time with Mr. Oscoey

 

Sadly my last stitching update…two years ago!

 

 

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 […]

Garden Update 06.08.19

Garden Update 06.08.19

It has been a while since I have done a gardening update so I though I would take a few pictures and talk a little bit about them. Our family has been super busy with travel, kids, work and the frequent birthday parties that happen this time of year so not much gardening has been going on. I have made an effort to do some weeding and mulch some areas of the garden but time is limited and the garden is still rough around more than a few edges.

 

Faded Peony

Our Peonies came up beautifully this year. They seem to be recovering from their accidental stomping the first spring we lived in our house. We bought our house in the fall and a large number of dormant plants popped up during our first spring that we had no idea were there. This particular plant was stepped on as it first started emerging while we were digging our asparagus beds. Last year it had one blossom and this year there are several which are very beautiful! We have two Peony plants and honestly even the second year one of them was so damaged I didn’t really see it until much later in the season. Strangely one only one of our Peonies is blooming and almost done. The other has several blooms ready to pop, and even the bees are trying to get inside but they have not opened yet and it has been a couple of weeks. It is pretty interesting how these plants are probably about 20 feet away from each other but they each have their own micro climate and are blooming at different times.

 

Strawberries

Our strawberries are coming along nicely. We planted one of these Alpine Strawberries we inherited from the neighbors a couple of years ago and now we have several plants along with many, many June bearing plants that have all taken over one area of our garden. These tiny tart strawberries were our son’s favorite last year and the only fresh fruit he would eat. So far this year he has not been as interested but hopefully he will come around eventually!

 

Gigantic bush with white flowers.

Our gigantic bush that shades our front door is blooming beautifully this year. In the afternoons it is buzzing with the hum of dozens of bees.

 

 

I finally got around to planting annuals in our gigantic pot. It is really heavy and under the cover of the roof so every year I plant annuals in it since watering can be tricky. I also filled most of the pot up with Plastic milk bottles before I added soil to cut down on the soil used and to keep the pot from getting too heavy.

 

 

We did official fairy gardens this year for both kids. My daughter had only a couple of hens and chicks left in her pot and some of her fairies were broken so we added a couple more to her pot, some more hens and chicks (a girl after my own heart) and some annuals. I like to do annuals in the kids’ fairy gardens because they love choosing plants every year. Since we use smallish pots there isn’t a lot of room but it is nice for the kids to have a little piece of their own gardens.

 

 

My son got to make his own fairy garden this year. He was too young the first year and last year we never got around to it so he was very excited. He picked out mostly pink and red flowers and they look really good. He also picked the red gnome because he looked like Santa Clause which was really cute.

 

 

I bought some vegetables for the kids to plant as well. They picked out some squash, snow peas and cantaloupe which is tricky to grow in the PNW. I fully intended to plant them immediately but when I got home I discovered that my garden beds are missing quite a bit of dirt and are at best half way full. I am going to get more soil this weekend so I can get these in the ground before I forget.

 

 

I should probably show you a few of my weeds that popped up despite the mulch I laid down. Next fall my goal is to lay down cardboard and mulch and try to keep the weeds in check for next year.

 

 

Most of the gardening I have gotten to has been in the front yard. This picture is of my side yard…there is supposed to be a path through there but clearly it is super tiny and mostly non-existent. This area was way over planted by the previous owners and is prone to weeds, despite mulching and regular weeding. I have taken out about half the plants but everything that is there overcrowds. At some point I will probably take out everything on the right hand side but I am hesitant since a lot of those plants bloom later in the year and they feed our resident hummingbirds and healthy bee population.

 

Despite my lack of time to garden ours is flourishing. How is your garden going this year?

 

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 […]

The Importance of Walking in the Wood With Kids

The Importance of Walking in the Wood With Kids

Since being laid off I have been trying to spend time with family and friends. My Dad is nearing retirement and has some free time as well so I have been trying to get the kids out to see him on the family property out […]

Fun Times with Mr. Oscoey

Fun Times with Mr. Oscoey

Mr. Oscoey and I took some time a little bit ago to spend some time together since I have so much more free time now that I have been laid off. We had a great time exploring the Amazon Spheres, Pike Place Market and just wandering about in downtown Seattle. Mr. Oscoey was able to obtain passes to the Spheres through his work so we only spent money on lunch and on some gluten-free muffins I couldn’t resist from Pike Place Market. Spending time alone with your spouse even if you have been together a long time is very important. It is something we have been working on lately and I must say it is nice to spend time with Mr. Oscoey without the constant needs of our children being priority. Our kids love to talk and we take great delight in what they have to say but it does not leave any room for more meaningful grownup conversations!

 

Amazon Spheres
The gigantic center piece tree.

I am a huge lover of plants and since I had not seen the Amazon Spheres yet we decided to go down for the day to check them out.

 

Waterfall
Waterfall with a stream.

We saw so many beautiful plants and it was nice to spend some time in a warm tropical environment on a cold day.

 

Corpse flower.

Although we missed the gigantic corpse flower in full bloom it was definitely really cool to see. I had no idea it would be so tall!

 

One of the many smaller plants I was fascinated with.

 

I love these ones because I think they are the same ones that are frog homes in the rainforest which is super cool!

 

I loved these beautiful flower bouquets featuring cabbage plants at Pike Place Market. We did not buy any but they were stunning!

 

A look at the downtown Seattle waterfront.

We had an awesome time and I am really glad we got to hang out together! We are trying to make these adults only excursions happen more often but I am struggling to find things for us to do that are frugal and won’t make us feel guilty about not bringing the kids along. I have been having trouble with my knee so hiking is out (doctor’s orders boo!) but I am sure there are tons of free events coming up for the holidays and we can find something.

 

It is really important for couples with kids to find time to “date” each other, even if that date is only going to the grocery store by yourselves for an hour. Too many people let life and kids get in the way and one day you wake up 5, 10, or even 20 years later and you and your spouse don’t know each other any more. I have seen it happen to so many of our friends and we are determined not to let it happen to us. So my advice for the day will be to spend time with your spouse (and not just watching tv) and have a real uninterrupted conversation with them at least once a week!

 

What kinds of frugal activities do you do with your significant other? (Without the kids if you have any!)

 

 

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 […]