Author: Mrs. Frugalwoods

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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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Introducing Private Reader Case Studies!

I’m starting something new, people! I love helping folks with their money, so I’m going to do more of it. Starting today, you can schedule a one-on-one Private Reader Case Study with me. These consultations will bear a striking resemblance to my on-the-blog Reader Case Studies, but will be confidential, will include a phone/video call, and will cost money. If you don’t want to read any more of my blathering and just want to sign-up,...

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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...

65

Doggie Doppelgänger And Other August 2022 Expenses

Birthday Brewery Bash! Mr. FW celebrated his 39th birthday in August and my in-laws graciously kept our children for three days (and two nights!!!!)! We decided against traveling this year–last year we went kid-free to Cambridge, MA–and instead stay-cationed it up. When I asked my husband what kind of cake he wanted me to bake, he replied, “beer.” Excellent. We made a reservation at Hill Farmstead (ranked the best brewery in the world) and spent...

76

Reader Case Study: A Teacher, An Editor and Three Cats in Texas

Tara and her husband Rob live in Texas where he’s a high school teacher and she’s an editor with a publishing company. They are happily child-free and cat-full by choice and own their condo. While Rob enjoys teaching, he anticipates needing to make a career change at some point due to the stressors of being in the classroom. Tara likes her job, despite her somewhat stagnant income. The couple isn’t sure if FIRE is their...

171

Why We Bought A NEW Car

We bought a new car. Not a “new to us” car, not a “nearly new” car, an actual factual brand new 2022 Subaru Outback. But Liz–you’re now fretting– don’t you know that: Buying a brand new car has to be one of the worst financial decisions a person can make. Buying a new car is like shooting yourself in the foot not once, not twice, but three times. Here’s why: The mark-up on new cars is...

190

My Ever-Evolving Relationship With My Clothes

I have a hectic relationship with clothing. In my 20s and early 30s, I worshipped it. I stuffed the closets of our various rental apartments with beaded slip-on loafers I bought at an outdoor market in Strasbourg, France; a vintage bubblegum-pink stewardess dress I liberated from a Goodwill in rural Kansas; a red Banana Republic raincoat I found (with tags on) at a consignment store in Boston. Recently, a number of readers–mostly also young (am...

90

Reader Case Study: Rock Climber Seeks the Freelance Life

Sam loves her outdoorsy life in Salt Lake City, Utah and is an avid rock climber, hiker, trail runner, ultimate frisbee player and skier. On the professional side, she manages content creation for a company that manufactures work-at-height equipment for careers in vertical spaces. She enjoys her job and the stability it provides, but craves a more independent lifestyle. She wants to explore the possibility of becoming a freelance video producer in order to be...

36

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...