Paul and I used to make a lot of money. In fact, there were two years that we pushed the $100K annual income as a couple.
We lived extravagantly; we bought groceries at Whole Foods, ate out several times weekly, went to the movies, smoked expensive cigarettes, bought lots of expensive wine and beer and other intoxicants, bought fancy gifts, and in general, bought whatever we wanted. That was fun! And easy. Although, no debts were being actively paid down during that time. We only had a loose budget system, to make sure there was enough money in the checking account to pay bills. There was no control over spending, really. We made ourselves a little more accountable when we were expecting our baby and we knew that I wouldn't return to full-time work after the birth...we quit smoking and cut out intoxicants, and ate healthy foods at home, mostly. But still, lots of money flying out the window!
Looking back at this time, I want to smack myself in the forehead! Since then, Paul has been laid off, I went to part-time work after Henry was born, and now, with just Paul working (by our choice), our income is less than half what it used to be. We're actively trying to pay down debts, with a goal of being debt-free (aside from mortgage) in about 3-4 years. We've transitioned to living in this new town, and are buying another "starter" home while we rent out "starter" home in Ypsi out to another young family. Sadly, we bought a car just before Paul was laid off last year...at least it was used, but still was financed, so we have a monthly car payment. With most other things, we buy used. Clothes, household goods, etc are all purchased used or repaired to re-use as much as we can. We walk and bike (even more now that we live in a small town) and try to group our travel to save on gas. We conserve water and energy to keep the bills down, although that's hard at Grandma's for various reasons...mostly because she keeps the thermostat set around 78 and we keep a fan and window open in our bedroom so we don't suffocate at night. Also, there's no clothesline, so we're using a dryer a lot more than we would at home. Electric dryers are SUPER expensive. Yikes.
To top it off, with the move and Paul not being paid until he'd worked for a month, as well as expenses related to renting out Lamay house, we ran through our savings. All. Of. It. So, now, the debt repayment has to slow down in order for us to start saving for our emergency fund again. Argh.
The main thing that we are not being super frugal with is food. I've been reading the Tightwad Gazette by Amy Dacyczn, and she states that her food budget for a family of 5 is around $200 a month!! They eat a lot of crappy food, in my opinion. Seems like a lot of factory farmed meat and eggs, dried milk (??) and packaged foods bought in bulk, like cereal.
We spend around $500...she'd probably choke!
Don't get me wrong, we are being frugal with food while still eating clean, nutritious, healthy food that is as local as possible. Options for local food are limited here in the UP, especially as far as beans, grains, etc. We buy bulk grains, flour, legumes, honey, peanut butter, maple syrup, oil and raisins at the coop. I cook a lot of dried beans, and pantry meals. However, we bought grass-fed beef in bulk last fall; this wasn't cheap, per se, but in our view, buying cheap meat wasn't the best use of our food dollar. Same with dairy. We also eat a lot of fresh produce, organic when possible, and hopefully, as the season changes, local. We do buy some luxury foods, like nice coffee and chocolate, but that's minor in the grand scheme of things.
We're going to invest in a CSA this year for vegetables, beef, pork and eggs. Next year, we hope to make a "for real" garden at our house and ditch the veggie CSA share, preserving our own vegetable to enjoy over the winter, rather than buying at the store. I'm planning to buy canning tomatoes and storage vegetables at the end of summer this year, and make a cold storage area in our basement. There's a lot to learn about storage, and canning, but I'm eager to do it and to make our food budget smaller overall, as well as make our food intake healthier and more self-sustaining. We're definitely buying bulk beef, and perhaps pork. I haven't identified a local source of pastured poultry yet, but that's on the docket. I don't know how we'll get away from feeling the need for fresh fruit in the house. Paul is a maniac for apples and grapefruit, especially in the winter. We'll see...
Speaking of canning, here's a Grandma nugget. She has a great canning book, hardly even opened, from the 1970s. I was reading it today and asked her if I could borrow it for my kitchen when we move out. She looked over her glasses at me and asked "Where did you get that book anyway?" I replied that I'd spied it on her kitchen shelf, with her cookbooks. She sort of tsk-ed and told me "I supposeyou can borrow it." Okay, if you know me, you know I am kind of sharp. My initial reaction was going to be "Oh, are you going to be canning this summer?" knowing full well she hasn't canned in at least 25 years. Thankfully, I have been developing the ability to hold my tongue and evaluate my thoughts before I let them fly (I think this is called "a filter"). So, I just said thanks, and kept reading it, uttering a heavy sigh mentally.
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It sounds like we're in the same situation, income wise, although we really took the hit when I started apprenticing and it's continued to get tighter with Mikes several lay offs over the last few years, I'm looking forward to growing our own food too! I have trouble finding used clothes for me, but that's all I but for the kiddos.
ReplyDeleteI've never canned before but I'd like to give it a try. I remember my Mom doing it while we were growing up, but she died in 2001. I'll have to see if my dad still has all the stuff for it.
I saw the picture of your leeks below...wow, what a great find!
Christa, why is it so hard to find used clothes for the lady of the house? I have a lot of trouble with that too.
ReplyDeleteI've never canned before either, but we can team up and figure it out. I don't think it's hard, just a lot of hot, steamy kitchen with all that hot water/hot jar/boiling canner goin' on.
If your dad has the stuff that is a bonus for you, because it's kind of pricey to get a pressure canner...if you're serious about it, we can totally have a canning party at the end of summer. Wear your hammer pants! :)
Hi, Heather! Just found your blog- I like it! It's fun to see what's happening with you three up in my old stomping grounds :)
ReplyDeleteI hear you on the money thing. Before we had Morgan, we were SO DUMB with our money. Not to mention the student loans we both took out, the mortgage we have on our house, etc. If only I could talk to my twenty-year-old self now.... What's done is done, though, so now we're just trying to live smarter. It's hard, though, because the type of life I want to live (organic, local foods, good, safe neighborhood and schools for our child, etc.) are just so much more expensive.
I will say that joining the CSA has been wonderful, and very cost-effective, and I'm excited that you will have that option soon. Too bad the growing season up there is so short.
If you don't find canning stuff by the time we make our way to Michigan, I will ask my grandmother where her stuff is/if she still has it. She used to do a lot of preserves a while back, but doesn't anymore. If she has anything, we could bring it to the UP when we come up (we'll be there around the 16th-20th.) There's no way I'd pay to ship it or check it to go on the plane with us back here. Fingers crossed she didn't sell it all at one of HER garage sales :)
Hi Heather!
ReplyDeleteWe're also trying to cut the budget. With Rick taking the VSA (severance pay) at Malloy and not knowing what's going to happen in the next few months we've got to think about things differently. And, to make matters worse, my car lease is up and I have to either buy it, or turn it in. If I turn it in, I'll have to pay for the extra milage I put on it (~$2300!!). But, my Dad's Aunt (that passed in Jan) left him a car in good shape and my Dad said I can have it, but we're still waiting for everthing to clear NY probate. Plus, I'm being sued for an OLD credit card that has so much interest/lawyer fees/etc tacked onto it that it's practically 3X's what the original balance was. I do have a lawyer assisting me though to negociate for a lump sum payoff, but that will prob be a few thousand dollars.
So, yes, totally understand the being frugal/tightwad/etc'ness. We had all kinds of plans for the summer, aquarium, garden and it all has to wait. Nessecities come first and then the "toys" later.
If you guys are interested, brewing your own beer or wine is SO much cheaper than buying it. We hardly ever buy beer anymore, and just drink our own.
We love and miss you guys. Just keep your chin up. Hard times dont last forever. :)
Becca, thanks! I'm glad you like it. I've never "blogged" before (is that a verb?) and haven't kept a journal in a long time, but I like it! Yeah, I totally hear you on the talking to your 20 year old self thing. If only...ah well, we just have to do the best that we can with now. I'd absolutely treasure your grandma's canning setup, if she still has it, and be willing to pay her a fair price for it too! Let me know your UP plans, if it works out.
ReplyDeleteJune, I didn't know Rick was taking a severance package. That must be scary! Hopefully the other financial issues can work out so it's not too much of a kick in the pants for your bank account. Thankfully, your job is a good one, no?
I know you guys do a lot of brewing; it's probably like me doing my own bread, yogurt and kombucha...never buy it at the store anymore! It really does save to make things from scratch, and they're so much better tasting and more nutritious.
Hang in there with everything, and keep in touch!