Author: Mrs. Frugalwoods

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Property Tax And Other August 2019 Expenditures

August 2019 Every August, the tax gender neutral person cometh. We paid our annual property tax bill in full last month, which accounts for $8,634.29 of our August spending. This covers our 66 acre property, including the house and barn. And I have to say, while it’s a lot of money, it’s money I’m happy to spend because property taxes fund crucial public services such as schools. Vermont has high taxes, a fact many folks pointed out when...

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Reader Case Study: A Baby, A Freelancer, And A Marketing Manager

Mary and John live in a coastal town in northern Massachusetts with their one-year-old daughter. Mary wants a more flexible career that would allow her to spend more time with their daughter. John recently transitioned to freelancing and the couple is trying to figure out how to account for his variable income. Additionally, they’d love to get out of the one-bedroom apartment they rent and into their own home. Case Studies are financial (and life)...

140

How I’m Learning To Love My Body, Find A Middle Ground, And Buy Clothes Without Regret

I was pregnant or breastfeeding for four years. Starting in March 2015, when I got pregnant with Kidwoods, straight through to April 2019, when I weaned a 14-month-old Littlewoods. There was a one-month hiatus in 2017 after I weaned Kidwoods and before I got pregnant with Littlewoods. Other than that, my body’s been in full-time mama territory. Today is an exploration of how my relationship with my body–and by extension, with clothes–evolved as a result...

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Hedonism, Hard Work And Other July 2019 Expenditures

July 2019 Summer, apparently, is expensive. I think we set a record high for spending in a single month. On the upside? We had a lot of fun. July continued our summer-of-visitors and my in-laws, who were here all month, were generous with their offers of childcare. We took them up on those offers. Every single time. I’m so thankful that our girls have involved, loving, healthy, vibrant grandparents. And I’m so thankful my husband...

148

Reader Case Study: Grandparents In Michigan Contemplate Moving

Debbie and her husband Dan have been married for 32 years and are planning for retirement. At this point, they’re trying to decide if they should sell their current home. The pros and cons look equally matched, so let’s help them out with this choice today! Case Studies are financial (and life) dilemmas that a reader of Frugalwoods sends to me requesting that Frugalwoods nation weigh in. Then, Frugalwoods nation (that’s you!), reads through their situation and...

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How I Try To Balance Minimalism With Frugality

I have a complicated relationship with stuff. My grandfather grew up during the Great Depression and instilled in his children–my mom included–the ethos of never throwing anything away. Of reusing, of finding good deals, and of making do with what you have. These were valuable lessons for me and they form the basis of my frugal worldview. However, the dark side is that this approach can engender a scarcity mindset. It can make me feel...

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Reader Case Study: Artfully Building a Solid Financial Future in Southern Maine

Lynn is an art teacher in southern Maine, where she lives with her husband Lucas, a carpenter, and their ten-year-old son. Lynn loves teaching art but loves creating art even more and would like to have more flexibility and balance in her life. Case Studies are financial (and life) dilemmas that a reader of Frugalwoods sends to me requesting that Frugalwoods nation weigh in. Then, Frugalwoods nation (that’s you!), reads through their situation and provides advice, encouragement,...

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A Vacation And Other June 2019 Expenditures

June 2019 A time of idyl and pleasures, summers in Vermont are hedonistic romps through finally-thawed ground. For two months, maybe three, we denizens of the Northeast are made ecstatic by green grass and ripening gardens. Then we get hot, retreat to the porch, and complain that it’s only 10am and already 75 degrees. We sweat and wonder aloud when fall will start. Vermont is comprised of folks who pretend to love all four seasons,...

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My Frugal Cell Phone Service Trick: How I Pay $10.65 A Month

I used to pay $81 a month for my cell phone service. Now, I pay $10.65 a month. It’s rare that there’s one weird trick to saving money. Usually, saving entails hard work and sacrifice. Today, I bring you an exception. Today, I bring you a way to save money every month that’s easy and painless. Today, I introduce you to the world of MVNOs. I know, you’ve been thinking about your Moonbeam Vector Newt...

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The July Uber Frugal Month Group Challenge Starts TODAY! Last Chance To Sign-Up!

It’s the first day of the Uber Frugal Month Group Challenge! If you haven’t signed up yet, there’s still time to join us. Put your email address into the box below by 11:59pm EST tonight (July 1, 2019) and you’ll be on track with the group: Note: you can take the UFM Challenge at any time throughout the year, but we take the Challenge together every January and July. The Uber Frugal Month Challenge is...