Financially Independent, Retired Early(ish) at 57.

Category: Consumerism (Page 1 of 7)

Less than a week to go!

This time next week I’ll be in Santiago, Chile, all going well. These last few days before I go, I’m planning on starting to pack and buying the last few things I need to get before I go.

One is a waterproof case for my phone. I’ve decided to buy a waterproof pouch rather than a case, so after doing some research I’ve elected to buy this one. The reviews are good and I think it’ll do the job well. My quilting mat came in handy when I had to measure the phone in inches!

I also bought a sim card for my phone which will work in both Chile and Argentina. Surprisingly, most of the sims I looked at only had one or the other, which was annoying. My travel agent advised me to get one when I was there, but as I’m arriving in Santiago in the middle of the night, I didn’t think there’d be too many phone stores open. Better to be safe than sorry. The sim should be arriving today. I’ll take it with me and swap the sim cards over on the plane. It just occurred to me that I’ll need to learn how to get the sim card out in the first place.

You’ve already seen my pee bottle, which has traumatised people both here and on FB. Steveark’s comment on my previous post made me laugh! I’m hoping to bring back the bottle untouched by human urine, which will mean I’ll have a very useful souvenir to remind me of the trip. It will have been with me on the ice on every excursion. You can bet I’ll be reminded of Antarctica every time I use it.

I’m a big fan of buying useful souvenirs.

This olive oil container is from San Gimignano in Italy. Every single time I pull it out from the pantry I’m reminded of that beautiful village on top of the hill. When my friend Scott and I were going through security at Paris airport, we were looking at my case as it went through the x-ray. “Is that YOURS? What on earth have you bought?” he said as the image of what looked to be a miniature watering can glided by.

I also have a very cheap-looking spatula that I bought in a supermarket in Pyongyang. I was there, mingling with the locals as they were buying their groceries, when I saw it and thought, “I’ve been meaning to get a spatula for ages!” It’s absolutely nothing out of the ordinary, but I know where I bought it and I love using it.

Every Christmas I blog about my Christmas tree which has decorations from all over the world on it. No one has a tree quite like mine!

So having a water bottle that has travelled with me to the end of the world and back seems like a very good fit.

I still need to buy some lip balm. This morning I was looking at the blog 43 Blue Doors. Bonnie and her partner Trin retired in (I think) 2016 and have been slow travelling around the world ever since. It’s a fabulous blog with incredible photography and detailed descriptions of the places they’re travelling.

I posted about ‘My New Goal’ in October 2020, when I had 3 references to Antarctica in the one day. Up until then, I’d never even dreamed about going there. Bonnie wrote a post about her trip, which was the third nudge from the universe I received that day. This morning I looked at the page again and played the video of the chinstrap penguin colony. The sound of the wind made it obvious why lip balm is on the list as a necessity.

I hope Penguindancer! still checks in here and knows that I’m finally going. She was working in Antarctica and used to read my blog. If it wasn’t for her, I doubt I’d be going.

Today I’m going to be getting out my itinerary and hopefully booking a couple of day tours for Santiago and the surrounding countryside. I will only see the inside of the airport in Buenos Ares, but I’ll be spending a couple of days in Santiago and I think that being ferried around in a group might be the most efficient way to cover as much ground as possible.

Unless I buy a horrifically expensive souvenir, I think that all of the major expenses for my trip have already been paid for. I have tiny slivers of time on either side of the cruise where I probably won’t be spending a lot, especially if I’m on tours, and once I’m on the ship everything except alcohol and souvenirs are taken care of. I’m hoping that my pesos for Chile and Argentina will be enough for taxis and food, while the euros and my debit/credit cards will take care of everything else.

I’m known for being frugal in most areas of my life, but travelling overseas isn’t one of them. Being able to see and do everything I want when I travel is one of the reasons why I’m so frugal in other areas. I like to get bang for my buck! So who knows what I’ll end up spending?

I’m already starting to look at where I’ll travel in 2023…

… I have just one continent to go to complete the set.

Dad joke of the day:

Frugal Friday: Having fun with frugality.

Can you guess what I made yesterday by looking at these ingredients?

If you guessed soap, you’re bang on the money!

A quick glance back at the frogblog shows that I’ve been making soap for over a decade now. When I first began, I tried just about every recipe that I could lay my hands on. I made green tea soap, coffee soap, olive oil/Castile soap… you name it, I gave it a go.

For a brief time, I even had teachers at school buying it from me.

But now I stick to one very basic but effective recipe that I first saw on a defunct blog many years ago. It rarely fails and even if it does, it’s easy to fix.

But why would I bother to make soap in the first place? After all, basic soap is cheap to buy. I clearly don’t NEED to make soap to save a few pennies – after all, I retired by choice 2 years ago. I’m not short of the pennies required to keep myself clean. So why would I still choose to do it?

One of the main reasons I find myself coming back to doing this whenever my soap stocks start getting low is that homemade soap is very good for the skin. Commercial soap makers take out the glycerin that’s formed when soap is made, because glycerin is lucrative to sell on its own. My soap has its own glycerin within it, so the soap moisturises as well as cleans. I like that.

I also really like to have pretty soap put aside for little gifts. A bar of homemade soap and a hand-knitted washcloth is something that I like to give when I go to a blog meet or when a friend has a birthday. These handmade gifts, wrapped in brown paper and string, look great.

The third reason is that it’s personally very satisfying to produce something useful from nothing but a random bunch of ingredients. The same can be said of knitting and quilting, I guess. Being able to point at something that now exists in the world that wouldn’t be here if I wasn’t here is a nice feeling. (Pointing at the boys just doesn’t have the same effect…!)

Another reason why I like to do it is that I can personalise each batch. This batch of soap smells like eucalyptus. I’ve sprinkled dried cornflower and calendula petals over 3/4 of the top, but I’ve left a strip on the side free of petals because Ryan27 is a hairy guy and he doesn’t like to pick petals from his chest hair after having a shower. Fair enough. Sometimes I add rolled oats or poppy seeds (lovely and scratchy), food colourings, and different scents. Every batch is different.

The last reason is a hangover from the days when the boys and I were very, very broke and I had to stretch every dollar. Anything that I could do to stop a visit to the supermarket was a way to save money. Growing some of my own food and making things like soap is a way to limit setting foot in the supermarket and spending more money. I like the discipline of this, even though I no longer need to do it for financial survival.

It’s funny how the things that I once did to save even a few cents towards big things like the mortgage or the boys’ education are now the things that I choose to do for fun.

Smething that I was really looking forward to when Tom30 left home and Ryan27 was housesitting was how I was going to use up the food I had in the freezer and the zombie apocalypse cupboard during the 9 weeks when I’d be living on my own before I went away to Antarctica. During the lockdowns I’d bumped up the stores a bit and it seemed like now was the perfect opportunity to eat them down a bit.

I decided that I was going to keep supermarket visits to an absolute minimum and I’d spin out the meat I had by making vegetarian meals, using up the piles of lentils and beans I had hanging around. I was going to use up the frozen veggies I had – about 5 packets – and utilise what I had growing in the garden rather than buying fresh greens.

I have lots of longlife milk and milk powder, so that wouldn’t be a problem, though eggs, carrots and potatoes would be on the shopping list. I have heaps of stewed fruit that I’ve frozen as ice cubes. I have enough rice and bakers flour to sink a small ship, so all in all, I was in a great position to live out of my pantry for quite a long time.

The more I thought about it, the more excited I got. How long could I make everything last? This was going to be interesting! I didn’t set any specific targets… I just wanted to wing it and see how far I got.

Then two days later Ryan27 moved back home.

*sigh*

Now don’t get me wrong – I’m very happy that he’s happy to share a roof with me, but my frugal experiment went straight out the window. He wants to make a Mongolian sauce for me to try that he discovered when he was away, so I found myself at Aldi yesterday buying some broccoli that he wanted.

THIS WOULD NEVER HAVE HAPPENED IF I WAS ON MY OWN!!! I’D DO WITHOUT THE BROCCOLI!!! I know I could have refused to buy it, but I don’t think it’s fair to inflict my own little frugal games on unsuspecting housemates.

Another frugal entertainment is my reading challenge. This is in its third year and I LOVE it! In a nutshell, I have to pay over 2K in local council fees each year. I decided to try and “make’ those rates back by reading over 2K’s worth of library books, which are paid for by my local council.

Since I started it, the only books I’ve bought have been a couple of recipe books. I had no idea that my local library was so very well-stocked. I rarely go into my local branch and browse. Most of the time, I hear about a novel I’d like to read, jump on the library’s website and do a search. It’s a rare day when the library doesn’t have a copy of the book I want.

I’ve read literally thousands of dollars worth of books since I began this challenge. Obviously, I wouldn’t have bought all of those books myself, but I certainly would have bought quite a few. I’m addicted to reading and I always have 2 or 3 books on the go at any one time.

This challenge is fun. I have read so many books that I never would have bought for myself, I have the goal of meeting a dollar amount in a 12 month period so I can’t slacken off, and also have the satisfaction of gradually, book by book, ticking down to meet my goal.

I keep track of it on the side of this blog. It’s practically the only Maths that I enjoy.

Scrap quilts? I can spend hours upon happy hours creating quilts from fabric that’s been hanging around here for ever. Cheap as chips but when the quilts are finished, they look a million dollars. I love entertaining myself so happily and so cheaply.

I guess it’s that, as I get older, I’m getting more and more intolerant of waste. Waste of resources, waste of time, waste of money. The feeling of accomplishment and satisfaction when I can reduce any sort of waste is a precious one.

I don’t see why, just because I’ve reached financial independence, I should deny myself that feeling. Feeling accomplished and satisfied makes me happy. Frugality ticks so many boxes for me and – lets be frank – I didn’t retire just to turn around and give up one of the very things that make me happy.

Twenty-four hours later I unwrapped the soap and cut it into bars. Ryan27’s ‘pure’ unpetaled soap is already on the cake rack. It takes 6 weeks to dry before it’s ready to use, so once it was all cut, I carried it to the laundry where it’s safely tucked away, slowly curing.

I’ll probably have enough soap here for personal use and for gifts to last at least 6 months. It’s a small thing, but it fills my heart.

Dad joke of the day:

I had to read this one twice before I got it!

Do bad things come in threes?

So as you know, last week I not-so-cleverly put my phone in the washing machine and put it through a full wash cycle. Even though front-load washing machines are said to be gentle on clothes, it turns out that they’re not very gentle on phones.

The next day I went to the Apple store at Southland and replaced it. At first I was shown the brand-new editions, with the fabulous cameras. The woman serving me was very enthusiastic about how great my photos in Antarctica would be. I was very tempted… but just as I opened my mouth to say yes to a $1,300 phone, it occurred to me that if I hadn’t washed my phone, I’d be taking my year-old SE to Antarctica and I’d be perfectly happy with it.

So I walked out with an $800 phone, saving myself $500.

Fast forward to yesterday. I was driving home from work when suddenly a strange woofling noise filled the car.

‘That better not be a flat tyre,’ I thought. But it was.

The RACV came in under 10 minutes, which was a surprise. Quickest response time ever! When he changed my tyre, putting the dinky little spare tyre on in its place, I asked him to have a look at the back left tyre.

“I keep getting notifications on my dashboard that it’s under-inflated, but whenever I pump it up the notification stays.”

He had a look and spotted something metal embedded in the tread.

“You’d better have the tyre place take a look at it,” he said.

I hate driving with a spare tyre on the car, so I drove until I found a tyre place. I ordered two new tyres and was in the waiting room, quietly reading, when the guy came back.

“You’re very lucky,” he said. “That back left tyre had a puncture along the side of it. I don’t know how it hasn’t blown out by now.”

Oof. Maybe the “bad luck” of having a flat tyre was actually good luck in disguise? Fortunate Frogdancer strikes again!

But still, the question remains. So far 2022 has been a very expensive year, what with appliances dying, children needing huge cash injections to buy houses and me doing silly things like washing phones. So far I’ve spent nearly 28K MORE than I’d usually spend – and that’s not including my trip to Antarctica.

So I’m classing any unexpected expense as bad luck.

We all know bad luck comes in threes. It’s a scientific fact.

So is it: 1 Washed phone 2 A tyre 3 Another tyre?

Or is it: 1 Washed phone 2 Replacing tyres 3 Something yet to be seen????

I’m really hoping it’s the first one. Keep your fingers crossed! (I’m sure that science says that crossing fingers helps bring good luck.)

Dad joke of the day:

What do you call a medieval spy?

Sir Veillance.

What my phone has taught me about Financial Independence.

Yesterday I got to work and realised that I left my phone at home.

That wasn’t a big drama – I prefer to surf the internet on a laptop rather than my phone. I only use the phone for calls, texts and photos anyway. So I got on with my day, knowing that I’d pick it up from my bedside table when I got home and catch up on anything I’d missed.

But when I got home it wasn’t there. The bedside table was bare.

I knew it should be there. I’d woken up to the alarm that morning. I started looking through the house.

Nothing.

I went out to the car, thinking maybe it’d fallen out of my bag in the morning.

Nothing.

I messaged Ryan27 on FB, asking him to call my number.

He messaged back, saying that it went straight to voicemail.

Great.

Well, I couldn’t keep on looking for it. I had things to do. I decided to hang out the washing I’d put on before leaving for the day.

My first clue that something was badly awry was when I opened the washing machine door and saw my sodden phone case sitting on top of the washing.

My phone was lying underneath all of the clothes. Screen smashed, totally dead. As a doornail.

I’ve been an Apple person for YEARS. Yes, they’re expensive as all get-out, but I like the way they synch and I’m used to the way they work.

I’m like the people in the meme at the top of the page; when I get a new phone, I keep it for at least 5 years. Hell, one of my Apple laptops is a 2010 Mac that I bought secondhand 6 years ago. She’s still going strong.

So when I bought a brand new phone LAST YEAR for around $800 I was cool with it. By the time I was ready to trade it in I’d have had many years of photos, texts and calls for around $160/year. Still a biggish cost, but not unreasonable.

Except when I have to buy another one a year later. Suddenly that $800 phone has become very expensive.

I won’t deny that I was very sad last night. What with Tom30’s house deposit, the expensive appliances that died, helping out a couple of the other kids and now this – it’s been an expensive year. Around 28K of extra expenses… not counting my Antarctica holiday in December. The last thing I needed was for this to happen!

The worst thing was that I had no one to blame but myself.

I hate that.

When I posted about what I did on FB, I had people message me, offering old phones I could use until I could get myself a new one.

That’s when it struck me.

Being financially independent means that wrecking my phone is an inconvenience, not a financial tragedy. I’ll be without a phone for another 5 hours. By 4 PM I’ll be walking through the Apple shop doors, looking to buy a replacement.

Being financially independent means that I have the money to pay for it.

Will I be happy about having to do it? Hell no! Financial independence doesn’t mean that people suddenly become happy to throw money away.

But will I be glad that I put in the work for all those years to get to a point where I can simply walk into a shop and replace it without having to stress about the money?

Hell yes.

When people think about being financially independent, it’s the big things they visualise. Retirement, overseas trips and a paid-off house. And yes, those things are there for the taking.

But the enduring joy of it is actually the way it smooths the ups and downs of life – especially the downs. It turns out that the old saying, “If money can fix it then it isn’t really a problem” is true… but only if you have the money to fix it.

Becoming financially free is not easy. But it’s absolutely worth it.

Dad joke of the day:

My boyfriend and I are in a serious relationship. We haven’t laughed for 2 years.

So how are my challenges going?

People who’ve been reading this blog for a while will know that I like to keep track of things that I want to achieve. Usually, I draw up a basic chart and colour in the days that I succeed in my goals, though I’ve branched out to use a widget for one of the challenges I’ve set myself.

So how am I going so far this year?

The first challenge is the one I cleverly did to harness an activity I simply can’t live without to a bill that I absolutely hate paying.

If you cast your eyes to the sidebar of this blog, you’ll see that I’ve been progressing pretty well with my “Earn my rates back by reading” challenge. I set this goal in 2021 when I was outraged at having to pay $1,800 a year to the local council just for being able to live in my own house. Oh sure, the council provides garbage pickups every week and maintenance on public areas, but it still seemed like a lot of money.

BUT things changed when it occurred to my mighty intellect that if I utilise the local library instead of buying books, I can satiate my reading addiction and, in effect, ‘earn’ back my rates by using the books that my rates have helped to buy. It took 8 months to ‘earn’ back that $1,800, so I set my sights higher for 2022.

This time, I’ve included the council fees for the dogs in addition to the rates for my house. In September last year, I began chipping away at the grand total of $2,200 for council fees.

Going back to work as a casual teacher has really impacted the time I have for reading, but I’m pleased to report that I only have $333 to go. That’s roughly 10 more books to go before I reach my goal.

I’m glad I set myself this challenge, not only for the satisfaction I get from succeeding at reaching a goal. It’s also opened me up to reading books I might not have come across, so it’s added to my quality of life to a huge degree. I follow some prominent authors on Twitter and every now and then they’ll either spruik a book that they’re releasing, or they’ll recommend a great book that they’ve just finished reading.

It’s a simple matter to flick across to the library website to see if they have it. In a surprisingly high number of times – they do. And it’s awesome.

Am I really earning back my rates by doing this? Of course not! But it’s a bit of fun. Retirement and reaching financial independence are all about having fun, baby!

My CRT teaching chart is the newest addition. I designed this in my post about deciding to pivot and go back to teaching – not as a ‘real’ job but as a CRT (casual relief teacher.) I knew that if I was dragging myself back to work, getting up before it was daylight, and selling my sweet, sweet freedom that I’ve cherished so much; I needed to chip away at ‘paying for’ things that I’ve bought.

I knew that would keep me motivated.

Every payday since then, I’ve entered the amounts onto the chart and I’ve seen my progress. It’s very satisfying to be able to cross things off the list and move on to the next line.

To be honest, I never expected that I’d have as much work as I’ve been getting. Schools are reeling with the huge numbers of staff getting sick from either covid or the flu. So far this term I’ve had 3 straight weeks of full-time work and it doesn’t appear to be slowing down any time soon. And I’m only teaching at one school!

The other CRTs tend to work at a few different schools, so it’s been interesting hearing what other schools are like. I think I’m on a pretty sweet deal working here – the kids are beautiful and working here is usually an absolute pleasure.

Even if a kid is naughty, it’s always a silly teenage naughtiness, not a nasty thing. I can certainly live with that.

I’ve decided that unless something really changes, I’ll accept as much work as I can get from the school. They definitely need CRTs, I’m putting the money to good use and after all, the school absolutely saved our financial bacon by giving me a job when the boys were small. The admin was incredible when one of my boys needed a lot of extra support due to depression in his teens. It seems like the right thing to do to help cover the classes while people are sick.

I’m just keeping my mask on during the whole day. I’d prefer not to get the flu or covid if I can help it.

The No-Spend Days chart.

I’ve been keeping this chart for years. It was one of the first things I wrote about when I started this blog. It came about because it dawned on me that no matter how frugal a person wants to be, no one can avoid spending money. Sooner or later food has to be bought, the car needs petrol or your kid needs new shoes.

Trying not to spend money is an exercise that inevitably ends in failure.

But what if I tried to restrict the days in the week that I spend money on?

Instead of letting money dribble from my wallet whenever I felt like spending it – what would happen if I became far more intentional about WHEN I spent money? I’m a naturally frugal person, except when I go on holidays, so restricting the dollar amounts wasn’t a particular issue for me. But when I started bundling up my spending so that I only waved the credit card around 3 days per week or less… a couple of things happened.

I saved some money. Anything that was an impulse buy on a day when I was trying not to spend money got put off. “I’ll buy that tomorrow,” I’d think. Usually, what was an impulse buy on one day was totally forgotten about by the next. A little more money stayed in my bank account.

The simple act of keeping the chart meant that I had to write it down. If it was a silly waste of money like buying a Caramello Koala when I was marking a stack of essays, I sometimes wouldn’t buy it. Every time, I was glad the next day when I woke up. I’d saved a precious square on my chart!

This chart has also come in handy when I wanted to check on when I’d bought something, such as a computer, the little woofs’ vaccinations, or when I’d last had the car serviced. Every now and then I’ve been pleased that I had the chart to refer to.

It’s become part of the lexicon of this house.

“Mum, we’re out of ham. Can you get some more?”

“I’ll do an Aldi shop tomorrow, babe. Today’s a no-spend day.” Everyone knows what I’m talking about, and we’re all good with it.

Keeping track of personal challenges like this definitely works for me. If you’re still reading this, maybe something like this will work for you too. The saying “What doesn’t get measured, doesn’t get managed” has a lot of truth to it.

Like I said above, if nothing else, it’s a bit of fun. And there’s nothing wrong with that.

(Here’s a link to the chicken stock paste recipe that I mentioned yesterday. You make veggie stock paste by simply removing the chicken thigh. )

Dad joke of the day:

Why is it called a “dad-bod” and not a “father figure”?

Shop smarter and stop wastage.

A few days ago someone asked me if the rising prices that seem to be hitting everything from food to haircuts was the reason why I was picking up so much CRT work. The question took me a little by surprise because this hasn’t been the reason at all.**

The conversation around the table then shifted to sharing sad tales of how our lives have already started to be impacted by things getting more expensive. I kept pretty quiet because no one likes a know-it-all. But I wondered if people might be interested in a post where I share some of the strategies that I’ve used over the years to help us get the most bounce per ounce in our grocery shopping.

I picked groceries because I think this is the main area where people can stretch their dollars. There are so many different ways here to tweak how and where we spend our money to keep more of it in our wallets. I know that once I got the other bills under control, grocery shopping was where I was able to keep finding ways to stretch our dollars further. These strategies have now become habits.

Over the years, as my financial situation improved, I’ve allowed some relaxation in some areas of our grocery spending. But the good thing about knowing how to stretch the dollars is that, if you ever need to, you can immediately tighten your spending up again because you already know how to.

The control lies with you. There’s power in that.

The two main ways to save money on groceries are to:

  1. Shop smarter, and
  2. Stop wastage.

The best way to save money on food is to (obviously) pay as little as possible for it. Shopping the specials and stocking up on items that have a long ‘use-by’ is a winning strategy.

If you’re feeding your family on food that has been purchased at a discount, obviously that means that more dollars stay in your pocket. The way I ramp up this is to have a store of food that I’ve bought cheaply… in bulk.

I’ve always had a store of food and other things that we regularly use at home. The habit of doing this started when I was a stay-at-home parent with many small mouths to feed. I’ve always been a long-term thinker, so it just made sense to stock up on items when they were on special, knowing that it meant that over time, I’d be feeding my family for less money per serve.

Yes, I’m that person who has multiples of the same things in their trolley. My pantry in the kitchen looks like anyone else’s, but open my ‘zombie apocalypse’ cupboard in the laundry and it’s a different story.

Currently, there are around 20 tins of different legumes; 30 tins of sardines for the little woofs; around 6 cartons of UHT milk; 3 boxes of tissues; 3 slabs of diced tinned tomatoes (my home-grown tomatoes were awful this year – normally I’d have heaps bagged up in the freezer); 2 huge bags of rice; around 20kgs of bread flour for bread rolls and pizzas; lots of different sorts of tea bags and dried home-grown herbal tea leaves; lots of toilet paper; dried red lentils, peas, and chickpeas; hand sanitiser; garbage bags and baking paper; red wine; ground coffee and a heap of other things.

When you buy multiples of an item that you’ll eat, you can then spread the savings out to magnify the savings. One tin of diced tomatoes at 50% off will save you, say, 50c. Buying 10 tins will save you $5.****

Over time, and with lots of different grocery items, those savings add up. Given enough time, those savings add up substantially.

I’m guessing that most people who read this post will have enough money to immediately start taking advantage of staples by buying them in bulk when they’re on special. For those of us in that position, then the main inhibitor on the size of our stash of groceries will be the amount of storage that we have available. No point stocking up on 4 slabs of toilet paper if you’ve got nowhere to put them! No one wants to be tripping over stacks of tins and packages in the hallway. as we make our way to the kitchen. So the size of our cupboards/shelves and other spots will be our guide.

If, however, you’re on an income with not much disposable money, storage isn’t usually the main issue. Instead, it’s gathering together the money to actually start buying extras of the groceries that your family uses. A store of extra groceries like this takes a fair bit of time to build up because you might only be able to buy 1 or 2 extra things, instead of 5 or 10. Sometimes, buying even a few extra things can be a real stretch. I know – I’ve definitely been there.

If this is your situation, then it helps to keep in mind that even buying ONE extra item at a great price is helping your overall situation. It might not move the needle much, but every tiny good decision is a step forward. Looking long-term, which is what I tend to do, many tiny good decisions can move you a long way.

And if you’re moving a long way, then as time goes on your position will improve and you can then take larger steps. That’s what happened with me.

An unexpected advantage of having a home ‘supermarket’ came to light during the pandemic. In the lockdowns, especially before the vaccinations came around, having these stores meant that we weren’t forced to go out and mingle with people. We were able to stay at home for far longer without being the slightest bit deprived.

I really loved that unexpected benefit of having a store of staples available.

Now, you can buy cheap food and store it away until the cows come home, but if you’re not actually using it, then you’re deluding yourself. Reducing food waste is the second essential part of stretching our grocery dollars.

I remember when I was at home with the kids, back when they were really little. I saw an ‘Oprah’ show where she had an efficiency expert come in. They were looking at food waste in random people’s houses.

He was going through a woman’s fridge and throwing food from her fridge crisper and pantry shelves into a garbage bag. He said something like, “Every time you don’t use food and have to throw it away, you may as well cut out the middleman and throw $50 notes straight into the trash.”

That made me sit up straight. He was absolutely right.

Due to my little family being on the bare bones of our ar##s anyway, our food waste was already pretty small. I couldn’t afford to waste much. But that remark made me redouble my efforts. Every time I was tempted to throw perfectly good food away, I’d see actual money being scraped into the bin.

It was more than flesh and blood could stand.

A few years later, when I decided I needed to grow some of our own food to help cut down on artificial additives in our food, the anti-waste thing REALLY came into its own.

A definite food chain developed. First humans. Then dogs. Then chooks. Then the worm farm. Then compost. Finally – the garbage bin.

Hardly anything went out the door. Our food stayed here, either nourishing our bodies or nourishing our garden, which in turn produced food to nourish us. It was an almost closed cycle.

That cycle, minus the chooks, continues today, even after we moved to The Best House in Melbourne. It’s extremely rare that the boys and I throw food away. We try and use up everything we buy, grow and make.

As the boys grew and some of them moved away and our household became smaller, sometimes we began to eat the same meal two nights running. The amount of food that would once be used up for one night to feed five of us can easily be stretched to feed three adults over two nights.

Any smaller servings are great to throw in the freezer and be used for a quick lunch a few days later. Today’s lunch of bolognese came straight from last night’s dinner. I think it was even tastier the second time around.

Speaking of small servings, sometimes I have steamed veggies left over from dinner. I have a container in the freezer that I throw them in. Every couple of months I make chicken stock paste and veggie stock paste… SO MUCH TASTIER AND CHEAPER than using the cubes and liquid stock from the supermarket. Each batch uses enough fresh veggies (and chicken, if I’m making a chicken stock paste) to fill up a thermomix jug. Of course, I pull anything that needs using up out of the crisper drawer from the fridge, but having the frozen ‘waste’ veggies from previous meals means that I’m using up ingredients that need to be used and saving some other veggies, that may be fresher, to be included in another meal later on.

Every little bit helps.

This is by no means an exhaustive list, but the two strategies of buying grocery specials in bulk and reducing food wastage as much as possible are the bedrock of being able to stretch grocery spending further. I know that to me it became almost like a game, where every time I used up something, found a great deal and bought up big, or made something stretch further, it was fun.

Let’s face it, the road to financial independence isn’t quick. It takes many years to get there. Anything that helps to get us closer and is like a game has GOT to be a win!

** Sequence of Return Risk and volunteering to help pay for a wedding are the reasons I’m doing casual relief teaching. 🙂

**** Of course, being me, I was going to keep the maths simple!

Dad joke of the day:

What’s it called when a chameleon can’t change its colours anymore?

A reptile dysfunction.

The rewards of Delayed Gratification.

Our first pizza in the new oven.

It’s funny how my perception of worthwhile purchases has changed since I reached financial independence, (FI). The latest thing I’ve bought – the pizza oven – is a perfect example of this.

I’ve always made pizzas for my family. Firstly, I married an Italian, so I learned to make pizza, pasta and lasagne very quickly after I moved in. I was brought up in a Skip family in the 60’s and 70’s, and Mum’s repertoire was pretty much meat and 3 veg with tinned fruit for dessert. The Italian cuisine was definitely a step up!

Then, after the divorce, when the boys and I were living off the Sole Parent’s pension of around 18K per year and, (for the first few years when I wasn’t teaching), $20/month child support, pizza, pasta, pancakes and mince were my best friends. You can feed an army with those items and, with 4 boys, I practically was.

Back then, the only pizza ovens that were around were in pizza shops. But if domestic pizza ovens were a thing in the 1990’s/2000’s, there would have been NO WAY I would’ve even considered buying one.

So what if the taste of pizza made in a proper pizza oven was superior? I was baking perfectly adequate pizzas in my regular oven, thank you very much.

So it only takes a minute to cook a pizza, as opposed to around 12 – 15 minutes in a regular oven? That sounds good, but really… it’s dinner time. We’re already in the kitchen where we need to be – a few minutes saved isn’t that big a deal.

And of course – the clincher:

They cost HOW MUCH??? Are you KIDDING me? Who in their right mind would pay hundreds of dollars to make a pizza taste better and save a few minutes? Not this little black duck! I have far better things to do with my money.

And Past Frogdancer would have been correct. She DID have better things to do with her money, such as pay off the house, send the boys through school, buy braces and glasses for whoever needed them etc etc. I called myself a ‘little black duck’ a few sentences back and that’s a pretty apt description for how life was back then. My little webbed feet were paddling furiously under the surface to make sure that the boys and I stayed afloat.

But now that I’ve reached FI?

It seems that the rules have changed a bit.

The second pizza. We need to practice launching them into the oven a little more!

When I first saw that Thermomix was selling pizza ovens, the first thing I thought of was how fantastic entertaining would be with one of these working with me. I realised this was something that could definitely make a positive difference in my life. Safe to say, I was interested in finding out more.

But hey, let’s not get crazy here! The next thing I did was check out the price. I haven’t changed that much! There’s no point fantasising about owning something if it’s impossible to pay for.

Fortunately, the price was reasonable.

It’s interesting though. Unlike buying a thermomix, I won’t be using this pizza oven nearly as much. There’ll be weeks that go by when it won’t be touched. Granted, it’s not as pricey as a thermomix, but even so. The cost per use won’t be nearly as good.

But for the first time, that wasn’t the important part. The major tipping point for me was the thought of seeing my boys, my wider family and my friends gathering together and having fun, enjoying good food – because who doesn’t like pizza? – and it being something that everyone could look forward to doing.

In other words, the emotional draw of this product trumped (ugh – hate that word… I wonder why) the financial considerations.

This is the side of practising delayed gratification that we don’t often hear of. Everyone talks about front-loading the sacrifices to get to a point where you can loosen the reins and start indulging yourself. Not many people talk about what it’s like once they reach the point of being able to relax and reap the rewards earned by being disciplined with expenditure for so long.

Well, I’m at that point. I don’t want to run crazy, buying every shiny new bauble in sight, but it’s nice to have other things be the deciding consideration, rather than simply “How much does it cost?”

The decades of frugal living have left their mark, but in ways that I really like. I live a life filled with simple pleasures that don’t cost a lot, if anything. I love to go travelling – fingers crossed Antarctica can still go ahead this year – but I’m also extremely happy puddling around at home.

I spent years and years living on the knife’s edge of poverty when the boys were small, determined not to fall off. My theme song was Bon Jovi’s “We’re Halfway There”, except I changed the line to “It DOES make a difference if we make it or not.” I went without many things and made probably thousands of little sacrifices that, while I obviously noticed them at the time, have mostly faded into obscurity over the years.

All of those little daily frugal habits have brought me here. I hope that there’s someone reading this… maybe someone who feels like they’re stuck in the boring middle ground of FI when it seems like you’ve optimised every expense and now you’re just plodding through… someone who can catch a glimpse that it’ll all be worth it.

After all, the time will pass, regardless of whether you’re using the tool of delayed gratification or not. But it can make a huge difference as to where you’ll be when you’re older.

It’s 11:34 AM on a Tuesday. I’m about to get up and plant some new flowers into some hanging baskets, before making some bread rolls for lunches and then finishing off a quilt for my cousin. Tom30 is working from home and I can hear him singing in his room. Luckily, he has a beautiful voice! As I’m typing this I’m throwing a ball for Polly and Sout to chase, while Jeffrey is snoring beside me.

In an alternate universe, 11:34 AM on a weekday would mean that I’d be either in a classroom teaching 28 kids, or at my desk in the staffroom marking papers or preparing lessons. Not a bad life, granted, but I know which one I’m very happy to be living!

(In the comments last week, Maureen asked me for a review of the Ovana. Here’s the link, in case she missed it.)

Dad joke of the day:

Frugal Friday: Prepare to celebrate!

Helloooo!

I’ve had a blog-break while I was waiting for my blog to migrate to another host. Back in April when I had a blog meet-up in Adelaide, I asked who people were getting to host their blogs, because Siteground was costing me a FORTUNE. The consensus was that Panthur, an Australian company, was great and far cheaper.

I’ve switched and it’s costing me a third of the price I was paying before.

omg. bargain.

Now I have more money to spend on things that I value – like champagne. (More on that later.) Like travel. Like Operation Beautify.

Last year on my Goodreads page I decided to try and read 70 books. I may have overshot slightly… I ended up reading 128 books instead. Oops.

I read some terrific books this year. I have a couple of friends on Facebook who used to be bloggers, back in the Golden Age of craft blogs, and they’re avid readers. I’ve been following their recommendations. I’m also following a few authors on Twitter. They get advance copies of people’s books, so when they tweet about something that sounds interesting, I’ve tracked it down.

Would you be interested in a post giving a recap of the best books? It’s be a shame if I didn’t use the Power of Time to Read for goodness, instead of evil. (That’s a ‘Get Smart’ quote, just slightly changed.)

Anyway, shoot me a comment and let me know. 🙂

But why the meme at the top of this post?

To kick the new year off, I’m sharing one of the best pieces of advice I ever received.

Always keep a bottle of champagne in the fridge. You never know when something will happen that you’ll want to celebrate.

It’s a tiny piece of joy, just waiting to happen. I always have a bottla bubbly ready and waiting. Sometimes it sits there for months, but that’s ok. As long as it’s unopened, it’s not going to go off.

But when someone arrives with good news or success to share, that bubbly GOES OFF!!!!

Then, in the next day or so, I quietly go to replenish the supply. It’s weirdly satisfying to be prepared to be spontaneous.

But who doesn’t want to be ready to be joyful?

Dad joke of the day:

What do Italian children like to play at parties?

Pasta parcel.

Little Adventures #9: The most hilarious Little Adventure of them all! December 2021.

The last Little Adventure for the year was a very special one. My son Evan25 and his friend have written and performed in a show. Long term readers of this blog might remember when he went off to study an acting degree in Ballarat, when I wrote a post about what my second-generation FIRE kid has learned about money.

Long term readers of the Frogblog would know that Evan25 was that really interested 11-year-old bobbing around reading over my shoulder as I typed the very first post back in September 2007.

Now, 14 years later, I was travelling into the Melbourne CBD to see his first show. I snuck into the Tuesday night show on my own (and had a lovely long debrief with Evan25 the next morning) and I’d also got together around 15 people, family and friends, to see their closing night.

There’s a special kind of joy that comes from seeing your adult child doing the work that they love. Especially if that child is actually good at what they’re doing. Thankfully, their show was excellent. So very, very funny.

His girlfriend Jenna’s parents flew over from Adelaide on the weekend just to see the show. Both of my boys who are partnered up have been fully embraced into their girlfriends’ families, which is a beautiful thing to see. Jenna’s Dad said to me after the show, “At one point I was laughing so hard I got dizzy!”

The following photo gives the synopsis of the show:

As Evan25 said to us on the day we were all finally able to get together after the lockdowns, “It’s just two silly boys on stage. It’s not going to change anyone’s life.”

I said, “That sounds exactly what we all need right now!”

There was one act where there was a jaded female butcher running through her wares, making lots of food jokes. This was Evan25 in an apron, with a shower cap on his head, miming sucking a ciggie. Then, in the middle of it, I hear, “$18.45 a kilo??? Quoth the raven, ‘Nevermore.'”

The first thing I asked him the next day was, “Did I hear an Edgar Allen Poe joke in there???”

He laughed. He said, “When we were writing it Will didn’t want to keep that joke – he said it wasn’t funny and he didn’t get it. I said, ‘Trust me – my Mum’s going to LOVE it!’ I kept that joke just for you.”

He also had the $18.45 price there because ‘The Raven’ was published in 1845. “It’s just a little joke in there for me – no one will ever notice it but I know it’s there.”

He also played a character called Tim, who is a battered-around-the-edges sweet transvestite. Turns out that my boy can really rock a pair of 5″ heels and has a tuck to die for. He has long legs and they look surprisingly good in fishnet stockings. The audience laughed so hard each night when he emerged from behind the curtain in that outfit – I don’t think I’ve ever been more proud. 🙂

Usually, I bang on about being frugal, but this Little Adventure was the priciest one yet. Performers don’t make a lot of money from ticket sales – the venue takes the lion’s share. Where the people who actually produce the show make their money is from the merch. So, of course, I bought one of everything.

But that’s why frugality is so terrific. I save money on things I don’t care about so that I can spend on the things that are important to me, such as supporting my son and his friend.

The very best thing about seeing the show again on Saturday night was watching my family and best friend really see what Evan25 can do. They know him as the funny guy at family gatherings, cracking wordplay puns and one-liners, but they got to see him in all his glory. It was very special as a Mum to bask in their amazed joy at just how funny he is.

Dad joke of the day:

Did I tell you about the time I fell in love during a backflip? I was heels over head. 

Frugal Friday: The no-spend week.

screenshot of a chart.

After my mammoth 61 week streak on the No Spend Days chart which ended when Jeffrey had to go to the vet on a Friday, I had a 14-week stint before I had to keep going to the hardware to buy things that David28 needed when he was building frames over the wicking beds. Now I’ve started again…

If you look at the chart, I’ve technically already performed a 7-day in-a-row streak of not spending any money, but I’m holding off so that there’s a full line of colour on the chart. It looks far more like a full week when it’s all in the one line.

These are the stupid ways that make this chart work so well for me. By far the best idea was making each week that I spend money on 3 days or less a ‘silver’ week. Once you start to get a continuous streak going it’s hard to break the chain.

This all serves to make my spending intentional. I still spend money – but I now do it in blocks, rather than just let dollars dribble from my wallet without realising.

meme

Another bonus to having this chart is that it makes it very easy to track spending in various categories. This came in very handy when a friend at work and then a neighbour told me about a very good – and far cheaper – vet in the next suburb over. Of course, I had to check him out.

The vet that the Little Woofs have been going to since we moved here is literally around the corner. Over the 5 years we’ve been living here I’ve spent thousands there, what with Scout swallowing a pip and getting an intestinal blockage; Poppy and Jeff having teeth extractions left, right and centre, as well as the usual injections and stuff.

When Jeff put his back out a few weeks ago I was able to easily compare prices by quickly scanning last year’s chart. Again, this isn’t earth-shattering, but it’s nice to have an easily-accessible way to look things up.

And yes; this vet is cheaper and I got a good vibe from him. We’ve swapped over.

Poppy the cavalier.

It helps that this week has been a quiet one, where I pretty much stayed home and puddled around. This is where I’m really reaping the benefits of preparing The Best House in Melbourne for retirement, while I was still working. There have been a couple of days in the garden, a few more reading and sewing days, while at night I have Netflix, Stan or Apple+.

I had a few self-sown silverbeet plants that after a year or so were going to seed themselves, so I chopped off all of the good leaves, added some water and ground them down to a paste in the thermomix. I’ve frozen them in ice cubes and I’ll add them to soups, stews and bologneses in the winter. Just like a green vitamin pill!

I’m a ‘chop and drop’ gardener, so the rest of the stalks and leaves were chopped into small pieces and left to lie on the wicking beds as a mulch. This adds so much goodness to the soil – for free! It takes a lot more time to do this, rather than just ripping them out and throwing them in the green bin, but the improvement in the soil over time is absolutely worth it. Plus – I’m retired! I have the time.

I don’t switch the tv on during the day, unless it’s 45C outside and all anyone wants to do is sit under the air-con and zone out, so my days are spent doing whatever I feel like doing, while at night I chip away at whatever series I’m watching at the time.

Today, in order to make sure that I don’t accidentally rush out in a frenzy and spend money, I’ve taken the dogs out to post a letter to Vanguard – (how ANYONE can fill in that stupid US taxation form is beyond me… this is my second go at it) – and then we took a detour home and went for a walk beside the river.

On the way home I went and had a look at a house that was sold recently for what seemed like a LOT of money for what looked like a bit of a dogbox. It was even worse than it looked online. Oof.

Then I wrote this post. After this, will I go and have a nap? Or will I keep working on David28’s quilt? Or will I go out and do some more ‘chopping and dropping’ in the veggie garden? Or maybe I should go out to the front garden and tidy up the weeds in the garden bed near the apple trees? Hmmm, there’s that book Tom29 bought me for my birthday that I haven’t yet picked up. The Colour of Money – maybe I should crack that open and dive in? I loved the writing in The Queen’s Gambit, so this one should be good too.

So many options. All able to be done here, without having to race off elsewhere.

I’m really enjoying this new phase in my life, eleven months in. I have yet to be bored, which I think is pretty special.

Dad joke of the day:

Did you hear about the maths teacher that was afraid of negative numbers?

He would stop at nothing to avoid them.

« Older posts