Frugalwoods

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Chicken Feed And Other December 2021 Expenses

We’re building a garage! Well, we’re planning on building a garage. Longtime readers know that one of the downsides of our Vermont homestead is its lack of a garage. Why this place has no garage is a mystery for the ages. My family in California all have garages. My family in North Carolina all have garages. People in Florida have garages! But people in Vermont? Nope. It’s more common to NOT have a garage than...

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Reader Case Study: Nursing Student by Day, Restaurant Worker by Night, Needing to Make Ends Meet

John is in his late twenties and lives in a small southern city in the US along with his cat. He recently made the decision to go back to school to become a nurse. Previously he worked at a nonprofit and, while he was passionate about the mission, the work/life balance wasn’t tenable for the long term. John started his nursing program this month and is also working front-of-house at a restaurant to try and...

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You Can Still Join the Uber Frugal Month Group Challenge!

Happy New Year and happy day one of the Uber Frugal Month Group Challenge! You can still join the group if you sign up in the box below by 11:59pm ET today (which would be Saturday, January 1, 2022). There’s a lot we can’t control about the New Year: what other people do, nature, our irrational love of Cheetos. One thing we CAN master is our money. We can be the big bosses of our...

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Reader Case Study: From Ukrainian Immigrant to Published Author to Librarian

Puck works as a librarian and recently settled into a new job and new apartment in Boston, MA. Ve is also a writer and recently had vis first work of fiction published! Vis family immigrated to New York City from Ukraine in the early 90s and vis parents still live there. Today, Puck would like our help determining how to create a sustainable, mindful spending and savings pattern going forward. Ve is deeply generous and...

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The Thanksgiving Turkey And Other November 2021 Expenses

November 2021 was the Month of Cars and Carving I am confident our cars are in a covert coven requiring them to break down in synchronization. Far be it for one car to have an issue and the other car to be fine. Nope. We must have parity in all things and we, the cars, remain unsympathetic to your transportation needs. In the most spectacular break-down I’ve ever experienced, the Prius began emitting an ear-splitting,...

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Reader Case Study: Nurses in Oregon Near Retirement

Eva and her husband Patrick live in Central Oregon where they both work as nurses. Their two children are now grown and Eva and Patrick are nearing traditional retirement age. Eva is concerned they may be behind on their retirement savings and would like our help analyzing their assets. A major concern for the couple is a family history of Alzheimer’s on Patrick’s side. Eva would like him to be able to retire sooner rather...

21

These Two Months On The Homestead: October Apple Cider and November Snow

October and November 2021 These are the tipping point months. The months that descend into true, deep, orange fall and coast through a rough outline of winter. Leaves are loud in October–they change, they fall, they take up all the space, they are glorious. November brings a more reserved beauty, forcing us to notice the contours of denuded trees, to hear the tingle of ice-encased branches tapping their nearest neighbors, squeaking out the soundtrack of...

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Reader Case Study: Experienced Teacher Feeling the Effects of the Covid Classroom

Erin and her husband Logan live in her hometown, a major metropolitan area of Nebraska, along with their six-year-old son and eight-year-old cat. Erin is a classroom teacher with 17 years of experience and Logan works as a media specialist at their local community college. While Erin loves teaching, and truly sees it as her calling, the stressors of the pandemic–and in-person pandemic teaching–are wearing her down. She’d need to work another 16 years in...

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Remedial Ski Lessons And Other October 2021 Expenses

October 2021 I dub thee “The Month of Winter Preparations,” for reasons made obvious below. The Ski Odyssey We’ve decided to do the world’s most expensive winter sport. Barring purchasing our own personal hockey rink, I cannot imagine anything being as expensive as skiing. Even the word looks pricey, what with its double i’s. When we moved to Vermont five years ago people asked us three questions, all related to winter: What kind of tires...

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Reader Case Study: Buddhist in England Desires a Simple, Secure Financial Future

Lotus lives in the beautiful rural South of England with her partner, Rowan, and their 12-year-old son. She currently works as a communications manager for a nonprofit that supports vulnerable women and she’s had a varied and exciting path through life. With a PhD in music, a yoga teacher training certification and as a practicing Buddhist, Lotus enjoys a life filled with meaning, community, music, connection and love. What she lacks is financial security. She...