Frugalwoods

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Give The Gift of Financial Freedom!

Give the gift of financial freedom this holiday season! Do you have a person in your life you keep recommending Frugalwoods to? Do you continually send them links to personal finance articles that they seem to ignore? Does this same person  bemoan that their money is a mess? Do you wish you could stage a financial intervention? Now you can!! I am here for all of your financial intervention needs with… Gift Certificates for Private...

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Reader Case Study: The Financial Reality of Raising High-Needs Kids

Alice and her wife Ann live in a small northern New England town with their two sons and two dogs. Both Alice and Ann are educators and enjoy their work. Their children were adopted from the foster care system and both have significant early childhood trauma. Due to this, they have intensive needs and Alice and Ann have organized their family life around addressing these needs. Practically, this means Alice is the primary at-home parent...

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A DOG! And Other October 2022 Expenses

We Adopted A Dog! I’m thrilled to introduce Genevieve the dog (aka Gigi)!! Frugal Hound 2.0, Gigiwoods, G-dog McHound Face! She’s a rescue so we’re not sure of her exact age or breed, but our vet estimates she’s 6 months old and likely to be 60-70lbs (she’s currently 40lbs). We think she’s a Plott Hound/Black & Tan Coonhound cross, but again, can’t be certain. She has snuggled right into our pack and the girls are...

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Reader Case Study: Separate Finances = Happy Couple

Kate lives in St. Louis, Missouri with her husband Dan in a condo she bought back in 2013. She enjoys her job in marketing and Dan likes his work in manufacturing. Kate is in the process of considering the purchase of a marketing firm with her business partner, which means she’s paying extra attention to her personal finances these days. She and Dan maintain completely separate finances as that’s the system that works best for...

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What’s Happening With Our Rental Property?

Did you know I have a rental property? I do! Many of you have asked me to share an update and so today, I will! I love hearing what you want to read about on Frugalwoods, so please keep the suggestions coming! You can add your ideas for future posts in the comments below or send me an email (liz@frugalwoods.com). Our First Home = Our Rental Property We bought our first home in Cambridge, MA...

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A Beach Vacation And Other September 2022 Expenses

Last month we took the kids on their very first vacation! To the beach! We didn’t travel during Covid and, pre-Covid, the only trips they went on were to visit family (which is also a vacation, but you know what I mean). Our dear friends have a family beach house on the New Jersey shore in Mantoloking and we drove down with them for a five-day, four-night stay. It was glorious. Magical. Perfect. Are We...

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Reader Case Study: Two Working Parents, Two Young Kids and Three Old Cats

Kay and her husband Max recently moved to rural town an hour south of Minneapolis with their two young children and three old cats. Kay works as a financial operations manager and Max is a government attorney. The couple was able to lower their cost of living by making this move–most notably in the areas of daycare and their mortgage. As they relish this lowered spending, they want to ensure they’re allocating their “extra” money...

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The Clothes I Wear For Comfort and Confidence

Last month I shared a journey through the recesses of my brain, or at least, the clothing and appearance-related recesses of my brain. If you haven’t read that post yet, I recommend you go there first since today’s article is the second in this mini-series. Today I’ll take you on a journey through my closet, with far less emotional toil and far more practical lists. Now that you all know how I FEEL about my...

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Reader Case Study: Looking For Less Stress and Lower Spending

Laura and her husband Sam live in Virginia with their two young children and one dog. Sam works for the federal government in a law enforcement capacity and Laura works as a full-time stay-at-home parent. Sam is eligible for retirement (with full benefits) in nine years, but the stress of his job has the couple wondering if he can afford to switch to a lower-paying, lower-stress government position in six years. Laura also wants to...

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Reader Case Study: Fix the Fixer Upper or Move On?

Elisabeth and her husband James live in New Hampshire with their two young sons. James works as an architect and Elisabeth is a private reading tutor for students with dyslexia. The couple live near Elisabeth’s extended family, which is perfect. What’s not quite so perfect is their fixer-upper home. They’ve invested time and money into renovations and, while they can see a route to staying in this home, they’re wondering if they should sell it...