This past June as soon as school got out we took a weekend trip up to Victoria, B.C. with the younger kids. One of our goals this year is to increase our travel and since Victoria is so close to us we decided to take […]
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 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.
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.
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.
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?
In honor of Halloween I thought I would post some pictures from our pumpkin farm visit and pumpkin carving extravaganza. We have been going to the pumpkin farm with the same group of friends for the last five years and our kids love this tradition! […]
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 […]
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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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.
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.
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!
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.
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!
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 […]
Indoor Seed Starting Time It is that time of year again when I start to think about what seeds I need to start indoors. This is our third year gardening at our house and the second year for us starting seeds indoors. Last year […]
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.
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!
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!
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.
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.
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?