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. […]
Tag: working mom
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 […]
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.
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.
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.
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.
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.
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.
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.
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.
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 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 […]
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?
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 […]