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Tag: blogging

June 2022 Spending Goals and Mid-Year Check In

June 2022 Spending Goals and Mid-Year Check In

Our 2022 spending goals have already gone a little bit sideways with me leaving the workforce in March. I left my job for both health and family reasons and it has thrown our budget into a hurricane of uncertainty. For now our goal is to […]

May 2022 Spending Check In

May 2022 Spending Check In

Our goal for May of 2022 was to spend as little money as possible on groceries for the month. We are using our local free lunches and breakfasts for the community as well as eating through our pantry items and just supplementing with items from […]

5 Year Blogiversary

5 Year Blogiversary

I started my blog in late March about five years ago so I thought I would write a little bit about it for my 5 year blogiversary. I started Oscoey as something to do while I was home with my kids as sort of a mommy blog but along the way I discovered the FIRE movement, went back to work and then sort of lost the ability to work on my blog. I have always wanted to do it full-time but like many other people work and life got in the way.

budget planner
Pesky puppy ate my budget planner.

We are still making most of our own food but our budgeting has drastically changed in the last five years and although we are still focused on saving as much as we can our expenses are much higher and we have moved more in the direction of Slow FIRE. Slow FIRE is basically stretching out your timeline for retirement. My husband does not have plans to retire any time soon but I am toying with the idea of not going back to work after my leave ends in a couple of weeks so I can focus on my blog and my new YouTube channel. I would love for my husband to retire when we are done paying for college in about 15 years which is still technically early since we will be right about 60 but I feel like we could probably do better than that.

Garlic
Lots of garlic planted this year.

We have increased our urban homestead quite a bit in the past five years and this year we are hoping to add some chickens as well. I am installing several large garden beds this week as well as removing some grass in our yard so we can plant some trees. This year our yard was very wet and adding a tree or two will help with that and provide some much needed shade in the summer. I love gardening and will start putting more gardening content up on my channel in the next few weeks.

Luna
Luna 7 months

When I first started blogging George was a puppy but now he is 5 1/2 and has definitely slowed down. We got a puppy named Luna last year after a couple of years of debate and looking for a good fit. She has been a huge change for our family but we love her so much and George is so happy to have someone to play with. Zoey our dachshund is still around but is now very much a senior dog that really just wants to sleep all day. George sleeps with his “dog mom” Zoey every night and Luna tries very unsuccessfully to play with her every chance she can.

Tea time
Tea time.

I am continuing to post mostly on Instagram about our food and how we are working on meal planning. One of my favorite things that came out of the isolation of Covid was our Sunday afternoon tea times. The kids really get into it and we have a bunch of fun with a more formal lunch. Over the summer we turn it into a picnic on the lawn with a pitcher of juice or sparkling water and the kids love that as well.

Light in the woods
Light filled backyard.

I have really enjoyed the friends I have met through my blog and writing to my readers over the past five years. I am really excited for my channel on YouTube to grow and I hope to be able to write more here this year. Below are my links for social media and some of my favorite posts throughout the years. Happy blogging!

 

Links:

YouTube

Twitter

Instagram

Facebook

 

Victoria Part 1: Butchart Gardens

 

Garden Update 06.08.19

 

April 2022 Low Spend Month Goals

 

Dried Banana Chips

 

April 2022 Low Spend Month Goals

April 2022 Low Spend Month Goals

This site participates in affiliate links and receives a small fee for affiliate recommendations at no cost to you. As always we only recommend products we have tried ourselves. We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed […]

Covid – 10 Months and Counting

Covid – 10 Months and Counting

We are about 10 months into dealing with Covid and things don’t seem to be letting up any time soon. I was looking back over pictures from the year today and I was struck by how sudden everything was last Feb/March when everything shut down. […]

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 started when I was home with the kids as a way to stay home and maybe make some income off of it. To date I have made exactly zero dollars off of the blog but that is ok. Writing the blog and joining the personal finance community on Twitter has been a fabulous learning experience. I have met so many people and grown from where I was at with blogging when I first started. There were so many mistakes (paid advertising with minimal blog posts out much?). So, so many. Below is my first blog post and looking back it seems as though in an effort to maybe bolster how many posts I had I posted three posts my first day! Wow. Looking back I probably should have split those up a bit but hey, we all have to start somewhere.

 

Welcome!

 

My posting has been somewhat sporadic and since I am now a working parent time is very limited so that probably won’t change much. Working from home has given me back the 3-4 hours I was commuting but my workload has significantly increased which makes for longer work days. I am now regularly 9-10 hour days which includes some fabulous overtime. I have also been happily turning the extra time and money into outside/gardening time with the kids as often as I can and our garden is looking great!  I would love to do the blog full time without working a traditional job but unfortunately that is not possible at the moment. I have run our numbers many many times and in order for us to feel “safe” with only one of us working (Mr. Oscoey isn’t ready to leave the workforce any time soon) we need to continue to both work and save as much of our income as we can. My kids are happy at their school and my job is pretty good with excellent benefits so that makes things much easier.

 

New garden pots have brightened things up a bit in the front yard.

 

2019 was a really rough year for our family and we strayed quite a bit from our Financial Independence path by taking on some debt and keeping a blurry and somewhat blind eye on our budget. Honestly though, our family needed that break from the grind and most of our extra spending was in the travel department which I 100% do not regret. We were not able to take a vacation for many years due partially to a strict budget but mostly the difficulty of doing anything with a high needs child so once we discovered said child could actually travel a little bit with some accommodations we went a little wild. We made so many memories last year. Our kids love travel now and are pretty bummed that everything closed down this spring. Our last trip was in December when we went to our beloved Butchart Gardens in Victoria, B.C.. We saw the lights, we went ice skating and we walked around the harbor checking out the sites. We were scheduled to go back this weekend but it looks like the earliest we will be going will be next winter so we will miss out on all of the flowers.

 

Butchart Garden lights in the winter.

 

One thing 2019 taught me is that we need to set aside a larger portion of our budget for travel expenses and another is that it is perfectly fine to drop the ball sometimes. Last year I dropped the ball with our budget but this year I have come back with more determination to bulk up our savings, increase our investments, pay down some debt and set aside larger amounts for travel. So far we have been pretty successful in this department. We have significantly increased our savings, paid down a large chunk of our debt and I am maintaining our investment amounts through the end of the year. I am hoping that by this time next year we will be at our increased Emergency Fund goal, have paid down the two debt items I am focusing on and will be ready to shuffle that extra money into our investment accounts. Part of our savings currently is set aside for travel but maybe, if things are looking better with Covid infection rates in our area we will cashflow a smaller trip at the end of the summer and/or a trip to Victoria in December. For now we are trying to be content with travel consisting of rotating from the front to the back yard and exploring our neighborhood during our daily walks.

 

Hiking in the woods near our house.

 

Hawaii has been repeatedly requested over the past couple of years as a travel destination but the thought of flying that far with a child with a narrow comfort window and the inability to express themselves fully filled me with a sense of doom. We were however able to successfully fly to San Francisco and made one of our trips to Canada successfully without massive sickness at the border so I have some hope. I am tentatively planning on going to Hawaii in early 2021 but it depends on where we are at with a cure/vaccine for the Corona virus. Ideally we would go to San Francisco again first since it is a smaller flight just to get the kids used to flying a little bit more but I am not sure if that will happen.  I would also like to travel somewhere new next year but I am not sure where that would be.

 

Spiral Beach

 

The last three years (and counting) of blogging have been great and even though I don’t have a regular post schedule I am going to keep up with it. Writing is a good outlet for me and I love to talk about personal finance, our vacations and what is going on in our garden. I have ideas for a few more posts so you might see me around more in the near future, especially since working from home allows me more free time. I would love to regularly update the “Fabric Crafts” section of my blog but I have not been super motivated to stitch and my sewing machine is currently on loan to the oldest. In the mean time please enjoy some of my top posts.

 

Dried banana chips are one of my son’s favorite foods. I have some in the dehydrator as I am writing this! This recipe is super simple and you can make as many or as little as you want.

 

Dried Banana Chips

 

My grandma’s fruit salad recipe is by far my most popular post, even with not so great photos. My grandma passed away last year and every time I check my post stats seeing this recipe up there reminds me of her.

 

Easy Dairy-Free Grandma’s Fruit Salad

 

For some reason this post always pops up in my top posts for the week even though it is pretty old and outdated. We did pay off my student loans that year and increase both our savings and investments which is great.

 

A List of Sort of Financial Goals for 2018

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 […]

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 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 not have been so upset initially but that is how it worked out. Now that I have had some time to think and have gained some perspective I am eternally grateful that I was laid off. I am now able to find a new (better) job without the pressure of of working at the same time and this is largely due to the support, advice and great financial advice I have received over the past 18 or so months from the personal finance community.

 

salmon and salad
Frugal healthy meals for the win!

You see, if I had not found the Financial Freedom movement and Mr. Money Mustache and then taken a deep dive into the personal finance community two summers ago we would have handled my new found influx of cash much more differently. We would have found all sorts of things to spend our money on and I would be in much more of a panic about suddenly having a major source of income cut off two months before Christmas. But since I have been focusing on saving and we have been living more frugally I know for a fact that we will be ok for a few months even though we are still having to pay for day care during that time. Day care spots are difficult to come by and I need to be available for job interviews so we made the decision to continue to pay for care to keep our spot.

 

I don’t miss my 60-90 minute each way commute!

Since I was laid off we have cut back on our grocery spending, reduced our savings contribution, and cut way back on any sort of extra curricular spending. Christmas will be smaller this year, although not by much for the little kids since I bought most of their presents in August and September and we have put our travel plans on hold until I find another job but honestly I am eternally grateful that we did not rely on my income to make ends meet. I was putting a large percent of my income towards debt/savings and although it is really frustrating to not be able to put more in the bank I am so happy that we were smart about how we spent the money in the first place.

 

spider web tree
Spider webs on our morning walk.

I have been taking my new found free-time to connect with friends, focus on my fitness, spend quality time with my family, and catching up on household projects. I have started swimming laps again and I absolutely love it!  I have also applied for a few jobs with companies that seem like a good fit and I hope to start interviewing in the next couple of weeks. Now that the dust has settled and I have been inspired to write again I will be posting more on the blog and I am super excited about it! I hope you are working on reducing your expenses and building your emergency fund as well!

 

How would you handle an unexpected lay off?

 

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 […]


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