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Tag: financial planning

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 […]

April 2022 Low Spend Month Goals

April 2022 Low Spend Month Goals

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March 2022 Spending

March 2022 Spending

For 2022 we are focusing on our grocery spending and trying to find ways to reduce it despite all of the price increases. In January we completed a pantry cleanout challenge and in February I focused on eating through the odds and ends in our freezer. Unfortunately we had some family issues come up in February that we are still dealing with at the end of March and I was not able to post our February spending. I may go back and post it later when I have time but at this point it might be too late. I did not worry about our grocery spending for the second half of February and the first part of March since I was swamped with taking care of my family member so our low spend goal went a little bit sideways.

 

January 2022 Spending

 

Looking back at my January spending post we aimed to keep our groceries at about $800 a month which was reducing our spending down from about $1000 a month. We do not include items such as cleaning supplies, paper products, dog food and coffee in our total since I track these separately. We do not eat out ever and we have quite a few dietary restrictions which can be expensive. I started tracking our coffee separately at the beginning of the year since I was drinking so much of it and wanted a good baseline for it. I only track the beans we buy and when we go out for coffee, not the cream or milk that we put in it since we use those for other things as well. Recently I have reduced my consumption so it will be interesting to see at the end of the year how that plays out.

One expense besides groceries that has been increased lately is for our larger dogs. Luna (bottom) had some skin issues and required a couple of visits to the vet. We also needed to hire a trainer and buy tons of toys to keep their brains stimulated in different ways. For some reason I totally forgot some of the tricks we used for George (top) to keep him occupied during the teenage puppy months so it was super helpful to get some ideas for Luna. They plus our dachshund are now eating through about 40 pounds of dog food every 2.5 to 3 weeks which is insane to me. We switched them to one of the Kirkland brand foods and they seem to be doing ok on it which is great since it cut our dog food bill significantly. Even though we are experienced dog owners we have never owned a herding dog before and Luna has proved to be a challenge in ways our other dogs were not so we felt hiring a trainer to get through the next few months before she turns a year would be helpful and after one visit we are already seeing improvement.

Gardening
Gardening is one of our go to free but fun activities.

For March my goal was to be at $625 for the whole month since we had inherited some food from a family member and we had stocked up in both January and February. What we actually ended up spending was….

 

Whoa. We really blew past our budget and then some. I looked back at what we bought and we ended up stocking up on some items that were on super sale that we eat a lot at Costco (gluten free supreme pizza I am talking to you), shelf-stable items our picky eater loves and that frequently go out of stock such as fruit leather, and pantry basics that I realized we were low on like oil, beans, spaghetti sauce and bread. Yup. We ate up most of the bread I bought in January and we had to do another bread run at the Franz Outlet. I also went through our emergency supplies and realized we had no canned vegetables or fruit so I bought enough for about a week. We are heading into spring and our garden will be in full swing in about a month or two so I am not as worried about having cans of veggies and fruit on hand. We have a ton of frozen blueberries, strawberries, peaches, broccoli, potatoes, peas and green beans in our freezer and my kids will not really eat canned food so I am hopeful that if we do have some sort of emergency without power we will be ok with just the few freeze dried cans I bought. If all else fails they can just have the dried fruit we have on hand and skip some of the veggies for a bit. I would much rather go without veggies for a week or two than have to use up a month or two’s supply of canned veggies every year but that’s just me.

Cabbage
Cabbage and kale from the garden with eggs for a cheap and healthy breakfast.

At the moment our freezers are full and our pantry shelves have only a few spots where I suspect we will need to stock up either this month or the next so I am feeling pretty good. My goal for April is to keep our grocery spending under $600. It is a pretty tight goal but I would love to eat through some of our freezer again this month to make sure we are rotating through everything in a timely manner. I have some freezer meals we need to eat up, some meals I prepped for lunches and I would love to do an inventory mid-month when we have eaten through some of what we have to plan our spending for May.

Cobbler
Cobbler has been one of our favorite freezer clean out desserts.

I would also love to do a deep clean of our garage fridge which takes emptying most of it out to scrub everything down. I honestly have not really taken an inventory of what is in there since my husband uses parts of it to store things he has made which are never labeled. Maybe this month we can go through it together and clear out what needs to be tossed. We do have a crate of 90 eggs which my mother-in-law dropped off last week that need to be eaten before I can clean it though. I am not really sure what to do with all of those eggs, especially since we had just bought 5 dozen from Costco. I gave a dozen to our oldest daughter and I am toying with the idea of pickling two gigantic mason jars worth of eggs with some of the rest. We do eat a lot of eggs in our family but this is way to much for even us so I will most likely give some away on our local Buy Nothing group.

Cranberry Lake
Cranberry Lake at Deception Pass.

For now we will continue to eat through what we have and keep a running list of what we need as we avoid going to the store for as long as possible. We are trying to keep our expenses down in other areas as well and are taking cheap or free day trips over spring break instead of going on vacation. Last weekend we drove up to Deception Pass on Whidbey Island and had a wonderful time exploring Cranberry Lake. We packed lunches and had a great time. This trip cost us only about $20 total and most of that was from the ferry trip home where all passengers are free.

 

What are your grocery spending goals for April?

 

The Importance of Walking in the Wood With Kids

 

Gardening Update 11.07.21

 

Meal Planning: January 2022 Week 4

 

2022 Goals

2022 Goals

Setting goals for 2022 seems a little scary to me. I set high goals for myself for 2020 thinking “this would be my year” but then Covid happened and we ended up treading water for the entire year along with the rest of the world. […]

January 2022 Spending

January 2022 Spending

In January we attempted to do meal planning for the entire month and complete a pantry cleanout and eat through items in our freezer. Whew. It was a lot to keep track of and I am pretty proud of our progress. I was planning on […]

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. I have pictures from my office from mid-February and then by the second week of March everyone in our house was home and we were adjusting to the chaos. This virus took us by storm and the last year has been extremely difficult all around.

 

Early local purchase of split peas and lentils.

 

The first few months of Covid for us were all about adjusting to spending LOTS of time together and figuring out how to do work and school at home in a relatively small space. We were all crammed into our living room which is decent sized but with four people on computers in meetings all day it got really loud and difficult to concentrate. We also just happened to be at a natural low point with our groceries towards the end of February and were slightly scrambling to find some much needed items. We tend to eat down our pantry every February and were out of everything, including staples such as soap, TP, paper towels, laundry detergent, rice, flour and beans. We ended up waiting until large bags of our favorite local legumes went on sale and did without for some of the fresher items like tofu for a while. We are mostly vegetarian in our house so the meat shortages didn’t really affect us much.

 

Walking on local trails.

 

The hardest part for me was adjusting to working with two loud children at home every day and our oldest moving back home at the same time. My kids are loud and the youngest is still pretty high needs as far as attention goes but he did get way better about playing by himself last spring. We have saved  ton of money on daycare costs this year and had almost no summer camps lined up so I made the executive decision to spend a little bit of that savings every month on activities to keep the kids busy. I bought a lot of lego sets, art supplies, coloring books, dig kits and other items to keep them busy on their own. We also tried Outschool this summer with mixed success. I used it mostly for social interaction so that the kids were used to taking instruction from other people and focusing similarly to the classroom.

 

Bouncy castle.

 

Staying active while at home has been a challenge for us. We don’t have a back yard that is great for the kids to be out on their own in and our street is pretty busy so they aren’t allowed out there by themselves either. We have been walking our trails nearly every day and bike riding has become a thing in our house with one child learning this summer. Luckily our oldest daughter has time a couple of days a week to take the kids on longer bike rides and that has helped tremendously. Mr. Oscoey and I do not own bikes which I know is probably unheard of in the personal finance realm but neither of us been super into it although I am seeing a need for us to get at least one so that we can go on long rides with the kids. We also splurged and bought a bouncy house which has been a lifesaver! It takes five minutes to set up and about 10-15 to take down (which is mostly time waiting for it to deflate) and wears out the kids fabulously. I bought a bouncy house just small enough to fit in our living room so we have even had lots of opportunities to bounce as the weather has gotten colder. It is pretty loud but I am able to work with it running and since it is pretty contained I could sit inside and work with an eye outside to the kids while they were bouncing this summer which was helpful.

 

Shadow Lake Bog

 

We have tried over the past year to find Covid safe activities in our area but honestly we are pretty cautious and it has been hard. We went to Shadow Lake Bog which was nice but the hike was way shorter than we thought and it ended up being too easy for the kids. We did learn a lot about the bog and saw some amazing things but it was not the rigorous hike I was hoping for. The way they had it set up was you could reserve one of two parts of the bog and then hike it for an hour. We reserved the smaller side and it was about a mile round trip which is how far we walk most days in our neighborhood so for our kids it was not very challenging. The drive out there was almost not worth the hour we had the bog reserved for. I would recommend it for smaller kids or for people that live closer and aren’t spending 45 minutes in the car to get there. I would however love to go back when they have opened up their nature center and we would be able to see both sides of the bog on the same day. There was tons of nature that we don’t see every day and it was really cool to see.

 

Tea time.

 

Now that the weather is colder we have been trying to find indoor activities to keep our minds busy. The kids have been doing lots of art, Legos, pretend play, book writing and robot making on their own so I decided to try doing a cooking activity with the kids on the weekend. The first few weeks we baked brownies and made desserts but those don’t take up a lot of time and the weekends were starting to get long so a few weeks ago we tried out making a formal tea for lunch. It was a massive amount of fun! We didn’t dress up but we did get out the good china and practiced our manners at the table and the kids loved it. Everyone helped make fancy veggie bowls, fruit, sandwiches, salami “UFOs” and dessert. We cut our sandwiches into shapes and came up with interesting combinations which most of us tried.

 

We had a lot of fun with our tea time and I am already thinking of some ideas for the future. We will probably do some more smaller teas but in a couple of weeks I want to do another larger one. The kids and I have been talking about what we will make and thinking about new sandwich combinations. I found some gluten-free digestive biscuits and once they come in the mail we are going to try making the Queen’s favorite dessert which is a chocolate cake made from them. I am sure at some point we will get tired of it but for now, finding something to look forward to and plan for is super important for everyone’s mental health. The days have been blurring together and I realized we were just sitting around all weekend. Doing tea for lunch on Sunday gave the kids purpose for the day and a sense of schedule that we really needed so we will continue to do them every week or two until we tire of them.

 

Mushrooms out at Whidbey.

 

Although we have not been out there nearly enough, we are incredibly lucky to have woods to visit on family property out on Whidbey Island. It is great to go out there and walk around in the woods without having to worry about Covid. For the most part we have been maskless except now that cases are skyrocketing in the Seattle area we are wearing our masks to protect my Dad. We have one kid in person at school and we really don’t want to pass anything on to him. We have been super cautious and barely seen any of our friends and family but for us it is worth it if everyone stays healthy.

 

We spend our time out on Whidbey walking in the woods while my dad shows the kids around. He has found several hiding spots for the kids to play in and has great plans to add cabins to the raw land. Hopefully by next year there will be power and water and we will be able to stay longer than a couple of hours but for now our kids get overtired and antsy after a couple of hours so we head home. Our last trip was about a week ago and it was getting a little bit too cold out to be comfortable so we may not be back for a few months. We saw a bunch of mushrooms this time out which was pretty neat to see.

 

Glow stick dance party!

 

Covid has definitely made the last year way worse than we ever anticipated but I am incredibly grateful that those around us have been staying safe and we have not lost anyone close to us yet. Just in the past couple of weeks we have been hearing of friends who have been in contact with others that have had it but so far nobody in our inner circle has gotten sick. I am certain however that is because we most likely all had it back in January/February when we all got this horrible sickness that fits Covid symptoms before it was even reported in the U.S.. We are continuing to find ways to keep ourselves entertained at home relatively cheaply and I am hoping that by next spring we will have a little bit more freedom.

 

Stay safe everyone.

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 […]

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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