We have entered the first days of June. June, sweet June, has continued wet and cold here in New Hampshire. I’ve tallied the rain days–fourteen and then, after a few days of respite, seven. Still, school ends in eight more days, flowers are blooming, and the boys and I are headed to the South for our annual summer road trip at the end of the month. Life is sweet this time of year.
It’s amazing that at the end of the month we’ll have finished half of the year! In some ways, it’s lovely to see the progress towards our goals we’ve made this year, and personal growth we’ve made as a family, in helping the kids navigate school and friendships, and finding the best combination of after-school activities and fun without going over the top.
We’ve also started the process of replacing our roof, and just sent a check in for 50% of the cost–$7,000 dollars of our hard-earned, after-tax dollars. I just keep telling myself that we’ll have a beautiful new roof that won’t leak and will make the house sellable! And I’m grateful that we’ve saved up that cash so we don’t have to panic or take out a loan for this major home repair. Continue reading “A Year of Good Habits: Don’t Throw Away the Food!”
This month, the shower arm in our bathroom has broken, it has taken four different light fixture tries to replace the kitchen light above the sink, and our kitchen faucet has sprung a major leak. We’re getting quotes from roofers in the area to replace our roof. Because there’s a dearth of roofers in the area and the cost of labor and materials is so high, our best quote is $14,000. Yes, that is correct. The cost of a used car. One year of private school education. More than a years’ worth of groceries.
On May 14th, Mother’s Day, it snowed. It rained for fourteen days straight before that. Last week, we got two medical bills for a total of $2,000. We’ve been negotiating a new diagnosis with doctors and the school for our youngest child.
We’ve also had some awesome things happen this month. Mr. ThreeYear became an American citizen on Friday and my dad came up for a surprise visit. After the rain and snow, we got a week full of 80 degree weather and the flowers are blooming. Everything is green and alive. The school year is winding down–as of Wednesday, we’ll have just four more weeks.
We’re healthy, have a stable and happy home life, reliable jobs, and money in the bank to cover our expenses. In the grand scheme of things, the problems that have besieged us this month are minor annoyances. Continue reading “DIY Mayhem in May”
When Mr. ThreeYear and I decided to turn our financial lives around in 2008, we had a lot to learn. When we first started to budget, we wasted tons of money on what we now consider unnecessary expenses (things like alarm systems, cable, and yard service).
We were living in Atlanta at the time, and the dominant culture in that city can be a bit… showy. Since public transportation is limited there, as it’s one of the most spread-out metropolitan areas in the country, cars are a must. And one of the most popular Atlanta pastimes seems to be car one-upmanship. There was even a Lexus Lot at Turner Field, so that Lexus owners could park their cars in an exclusive lot much closer to the field. We were driving a BMW and an Acura at the time (although they were both very used), even though we had debt.
Then we moved to New England and we were exposed to a completely different culture. In the rural New England hamlet where we live, people like to say that they’re of hardy stock. After all, you have to be tough to brave seven months of snow, mud season, and the fierce weather that characterizes the very northeastern-most region of the country. Natives of this region are often seen in January in nothing more than plaid shirts, jeans, and boots, with temperatures in the teens (that’s roughly -10 for you users of Celsius).Continue reading “Planing Our Way to Frugality”
Our family lives in Northern New England, so we have lots of ski slopes very close by our house. Unfortunately, skiing is very expensive and can work against our ability to save, so if we want to ski, we have to be smart about it.
Admittedly, skiing on the cheap is very difficult. Skiing is an expensive hobby, with expensive equipment, clothing, and lift tickets. But our family gets around a lot of those expenses by utilizing some of the following “tricks”: Continue reading “Ski on the Cheap”