Frugalwoods

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Family Day Trips And Other July 2022 Expenses

After nine years of pandemic isolation, we decided this would be the summer of family day trips! Our kids hadn’t been to any of the area museums or towns or restaurants or libraries due to: a) pandemic; b) being babies before the pandemic. We’ve made up for that dearth of activity in force. Swimming, beaches, paddle boarding, museums, hiking, breweries, ice cream shops, mini summer camps–we’ve done it all! And paid for it all. Remember...

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Reader Case Study: Can I Retire at 60 and Pay for My Kids’ College?

Jenny and her husband Will live in the Upper Midwest along the shores of Lake Michigan with their two children, Sam (age 16) and Alex (age 10), and their one old cat. Will is 56 and the couple always planned for him to retire at 60 and to pay for Sam and Alex’s college educations. However, now that the date is nearing, Jenny’s not sure this is actually feasible. She’d like our help checking her...

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The Folding Wagon of my Dreams And Other June 2022 Expenses

June was a month of celebrations! My husband and I marked FOURTEEN years of marriage, Kidwoods “graduated” from Kindergarten, Littlewoods finished her first year of preschool, we went to a town-wide end-of-school party with a food truck and BOUNCE HOUSE. And, we bought the folding wagon of my dreams. The Folding Wagon of my Dreams We’ve reached the stage with our kids where, when on outings, we either bring: Nothing Everything we own I adore...

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Reader Case Study: A Doula, A Scientist & Three Kids in Alaska

Kait and her husband Dave live in Alaska with their three young children. Kait works as a Postpartum Doula and Dave as a scientist for the state. They love their outdoorsy lifestyle and have created an incredibly close-knit community with their neighbors and friends. However, their beloved home has some serious structural issues that need to be remediated, but will likely be very expensive. Let’s travel to Alaska to help Kait and Dave determine what...

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The Uber Frugal Month Starts Today! And There’s Still Time to Join Us!

The heralded day is here. It’s Day One of the July Uber Frugal Month Group Challenge and there’s still time to join me–and thousands of other frugal devotees–for our month-long journey to financial wellness. Sign-up in the box below by 11:59pm EST today, July 1, 2022! And again, this is not the Underwear Fang Monkey OR the Unstoppable Ferocious Moth Challenge–although both of those sound like they have a lot to offer–this UFM is the...

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Join Me for the July 2022 Uber Frugal Month Challenge!

It’s UFM time!!!!! We take the UFM as a group twice a year: in January and July and it’s time to sign-up for the July edition! It’s like Christmas in July, but cheaper (SINCE IT’S FREE!) and more exciting–debatable, but you will feel really good about yourself afterwards. What is this UFM of which you type? Better than Utility Fish Markets, Underwear Fang Monkeys and Unstoppable Ferocious Moths, it’s the Frugalwoods Uber Frugal Month Challenge...

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Reader Case Study: Loving Life in DC; Should I Buy a Co-op?

Taylor loves living in Washington, DC and enjoys her job in global public health. She likes to travel, spend time with her family and friends and has a stellar roommate/friend. The only trouble? She’s tired of renting and would like to buy a condo to start building equity and planning for her future. Can she afford a condo in our nation’s capital? Or would she be wise to consider a cheaper–but potentially less valuable–co-op condo?...

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Overalls And Other May 2022 Expenses

My May expenses are a great illustration of why it’s so important to track your spending every single month: this was a month rife with unexpected, aberrational, one-time expenses. But by tracking, I’ll have a clear picture at the end of the year of our actual annual spending. Because weird expenses happen all the time. Dentist Now that Mr. FW is early retired, we no longer have the dental insurance his employer provided. When we...

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Reader Case Study: Empty Nest in Denver, Moving to The Dominican Republic?

Leigh is a diabetes educator living in Denver, CO. Her children are on the cusp of adulthood and she’s looking around her soon-to-be empty nest, considering her options. She’d like to downsize to a smaller home in her same Denver neighborhood and is interested in exploring the possibility of buying a second home in The Dominican Republic. Leigh wants to continue her work, a passion she feels called to, but would enjoy reducing her hours....

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Reader Case Study: Renovate or Resell? Stay Together or Break Up? Life Changes Ahead!

Vanessa lives in Eugene, Oregon with her boyfriend and three cats, Freya, Orpheus and Gandalf. Vanessa works as the Licensing & Contracts Officer for the University of Oregon and is an attorney by training. In 2018, she bought her first home and is now facing the prospect of some pricey renovations or the possibility of selling this home and buying a different place. She and her boyfriend are also in the process of discerning whether...