Author: Mrs. Frugalwoods

126

Reader Case Study: Living in Lakewood, Longing for More Space and Time

Eve and her husband Gordon live in Lakewood, Colorado–a suburb of Denver–along with their two young sons and one guppy fish. Eve works part-time as a marketer and Gordon works full-time as an engineer. Four years ago they began working towards financial independence and an early semi-retirement. They’d like to have more time to spend with their sons and in the outdoors! Eve and Gordon are now debating selling their home and buying something cheaper...

52

Tractor Repair And Other July 2021 Expenses

July 2021 Well, this is it. This is the month I transform from Frugalwoods to Spendywoods. The post-pandemic celebration of being alive continued in July and WOW can you tell from our expense report. I’m embarrassed to publish our expenses on spendy months because I feel like I’m supposed to always show up with the lowest expenses, the best frugal tips and an espousal of the joys of never spending money. But that’d be disingenuous....

46

These Three Months On the Homestead: May Flowers, June Berries and July Chickens

May, June and July 2021 I have not disappeared into the woods. Or lost my internet connection. Or forgone my enthusiasm for inundating the internet with chicken photos. I’ve just been…. busy! Not even an interesting or original excuse, but the plain truth. I didn’t anticipate or prepare for the fantastic upending of our routines brought by this summer. As I shared in my last Monthly Expense Report, it was a summer of visitors and...

65

Reader Case Study: Full-time Dog Trainer Needs More Space for… Dog Training!

Birdie and her husband Allan live in Gaithersburg, Maryland where they both own their own businesses and work from home. Birdie is a dog trainer and, at present, their condo is not cutting it in terms of space and outdoor access. Birdie specializes in a board-and-train model, which means she and Allan have a delightful (though often noisy) assortment of hounds living with them at all times. She loves and prefers this mode of training,...

79

A Haircut And Other June 2021 Expenses

June was the month of post-vaccination celebration! And yes, I realize it’s almost August and I’m just now writing about June, but we’ve been a tad busy, in a wonderful way. All manner of family visited in June (and July), we hosted, we dined, we went out to restaurants (!!!!). It was glorious. After the 15-month drought of isolation, which involved not seeing any of our family members, this summer is a warm balm of...

66

Reader Case Study: Working to FIRE in Finland

Jen and her husband Marc live on the west coast of Finland along with their two-year-old son. They recently bought their dream home near the sea and are enjoying their new lifestyle outside of the city. While Jen likes her job as a product champion engineer, she has aspirations to reach FIRE (financial independence, retire early). She’s also interested in pursuing a real estate portfolio, starting by renting out the cottage on their property via...

144

Reader Case Study: Stay Married on Paper or Finalize the Divorce?

Adrianna is a 40-year-old mom to two teenage boys who lives in Richmond, VA. She and her husband recently separated and she’s in the process of figuring out if it’ll make more sense to stay married on paper or finalize their divorce. Along with this question, she’s wondering about beefing up her retirement investments and transitioning to earning a full-time income on her own. She enjoys her part-time, work-from-home position as an administrative assistant, but...

65

The Ballet and Other May 2021 Expenses

May 2021 was the month of the fully vaccinated! Mr. FW and I both got our second shots of the Moderna vaccine, waited the requisite two weeks and then were FULLY VAXXED! The feeling of freedom, the feeling of normalcy creeping back in, the gratitude to the amazing scientists who made mRNA technology possible, is almost overwhelming. My first action as a fully vaccinated individual was to take Kidwoods out on a mommy daughter date!...

121

Reader Case Study: Stuck in Chicago, Longing for Life in The Basque Country

Katie and her husband Jon live in Chicago, IL with their two-year-old daughter Amaia. But Chicago is not where their hearts are. Jon is originally from the Basque Country and the family longs to return. After a brief stint of living there in 2019, they were forced back to the States in order to find better jobs. Now, they’re on a three to five-year trajectory to retire early in Spain. They’ve asked for our help...

73

How to Save Money on Your Cell Phone Bill with an MVNO: I Pay $12 a Month

One of the easiest and best ways to save money is to switch your cell phone provider to an MVNO. Cell phone service is one of those things most of us skip over when we’re trying to reduce our spending. We figure it’s a fixed amount, the same no matter what provider we use. Today we dispel that myth with the wonderful world of MVNOs (Mobile Virtual Network Operators). MVNOs are re-sellers of name brand...