Financial-Independence-Retire-Early(er). Achieved the first two letters of FIRE, now onto the rest!

Category: Frugality (Page 1 of 5)

Retirement- 108 days to go…

Countdown on the beginning of old films.
Not long to go now…

As of today, I have 108 days to go until I finish work for good.

Yes, I’m retiring.

My friend Scott suggested that I look at working days left, to make it seem even more delicious. Just counted it up. 47 working days to go.

On December 18 2020, Frogdancer Jones will be walking out of the classroom forever to go and live her best life. I’ll be 57 years old, exactly 10 years younger than the ‘traditional’ retirement age of 67 in Australia.

omg. I’ve bought back 10 years of my life.

I’m awash with excitement, anticipation and the tiniest dollop of trepidation. Its a big step, after all.

As you’re reeling back in shock, I hear you ask, “But how can this BE?”

Settle in. Here’s how it all happened:

Kid doing a fist bump.

In August an email went out to all of the staff, asking for our plans for next year. Did we intend to stay at the school, which subjects and year levels would we prefer to teach, would we be intending to take any time off etc. Without really thinking about it, I replied that I’d be working for another year at 3 days/week, just like this year.

In other words, force of habit. Inertia.

A week later, I mentioned to a friend, (let’s just call him ‘the Mayor’), that I’d signed on for another year. It was a conversation over Facebook. His reply?

“Another year. I’m a little surprised. I’ve noted your Covid-related comments and we certainly won’t have dealt with this by next year.”

Now the Mayor is the total opposite to me when it comes to a relationship with Maths. He loves analysing spreadsheets and company financials and everything like that. After my geoarbitrage deal finalised and I had the money from my house sale in my hands, he devised a spreadsheet projecting how my current investments could perform. I was so appreciative – it was a huge favour for him to do for me. So he knows my financial situation.

At the time that he drew up the spreadsheet, he said to me, “You know, you could retire now if you wanted.”

“NO WAY!!” I said. “I just don’t feel safe. “

He chuckled. “You can; you just don’t realise it yet.”

In the intervening years, I worked at making The Best House in Melbourne even BETTER – for Future Frogdancer Jones in retirement. I liked the idea of getting all of the expensive jobs over with while I still had a wage coming in. My post called ‘Why owning a home trumps renting‘ lists all the things I’ve put into this place, plus a few more that I’m thinking of.

After the Mayor’s remark about my Covid-related comments, I started thinking. Was it possible that I could actually retire?

I brought out the old spreadsheets and looked at them, comparing the projected figures with the real ones. I brought up my annual expenses chart, subtracting the costs of all the projects around the house that I’d been doing. I looked at how much I was spending to feed, house, clothe and shelter myself and the two boys I have still living with me.

That figure came in at just over 30K/year. Those meagre years have left their mark – I don’t waste any money on anything that I don’t value. My pleasures are either hellishly expensive (*cough cough Travel*) or are as close to being free that it doesn’t matter.

Hmmmm.

I contacted the Mayor again. Long story short, he’s preparing a document for me to take to a financial planner outlining everything to do with my finances, future plans and goals – all of that stuff.

Turns out I’m going to be fine.

But the clock was ticking at school. Kids were making their subject selections for next year and staffing decisions were being made. I didn’t want to jerk the admin around – getting my job at that school was the single biggest reason that I was able to dig the boys and I out of poverty. I owe the school a lot.

So, once I sat with the decision to leave for a few days and I still felt comfortable with it, I rang my boss.

“OH NO!!” was her reaction. But when we talked about the hows and whys of why I was leaving, there was nothing much else for her to say. She’s not stupid – she knew I’d made my mind up.

So why am I leaving? It’s not simply fear of getting Covid.

F U money.

FU money is a big part of it. After surviving the years at home with pre-school boys when we had hardly two cents to rub together, I’ve been hard at work ever since to do my best to ensure that we were never in that position again.

I’ve reached the position where I feel I have enough.

Enough.

I still love being in the classroom. The kids I teach are lovely and they’re so funny! It’s a rare day when I haven’t had a good laugh in class. I like the idea of going out while I’m still having fun – it’s much better than being ‘that teacher’ – the one who’s hanging on grimly to the job because s/he can’t afford to leave.

What’s getting me down is the insidious increase of admin. As one colleague said to me recently, “Honestly Frogdancer, it feels more and more that we’re becoming data collectors instead of educators.” We’re expected to measure kids’ performances all the time, with results put on tables and studies and projections – maybe the Maths/Science people like it but for me ? For me it’s sucking the soul and the fun from the job.

If I still had a mortgage to pay or debts to get rid of, I’d be staying. If I didn’t have enough to support myself on in retirement, I’d be staying. As I said, I don’t hate everything about the job. Most days are very pleasant days.

But there’s enough on the dark side to make me feel that now is the time for me to leave.

Fortunate Frogdancer strikes again! Going part-time this year, then having to spend months at home on lockdown has shown me that I have plenty of interests to fill my days. As long as the world contains books, the internet, Netflix and the dogs, there’ll never be an excuse to be bored. Spring has begun and soon I’ll be out planting seeds and designing my front yard. Yesterday I ordered $400 worth of fruit trees to plant there. There’ll be fruit to pick, cook and eat for decades to come.

I can’t see overseas travel being a thing for the next couple of years at least, but that won’t stop me planning for my trips back to the UK and Europe when things settle down. After all, I haven’t been to Windsor Castle to see Henry VIII’s tomb yet! Of course, there’ll be domestic travel as our internal borders open back up, so I’ll be well-placed to take advantage of that. (And I won’t have to wait for the school holidays when prices go up and everything is crowded!!)

Yes, it’s a big change. In one way I’ve moved quickly but in another way – I’ve been writing about retirement and financial independence for as long as this blog has been around, and I’ve been thinking and planning for it well before then! This decision has been years in the making.

I’m looking forward to what the next stage in my life will bring.

Squirrel looking triumphant.
December 18 – Future Frogdancer.

Now is the time to build resilience.

Fabric face masks.
Mandatory face masks. Never thought I’d be churning these out!

“I’m sure no life can be properly developed and rounded out without some trial and sorrow – though I suppose it is only when we are pretty comfortable that we admit it.”
― Lucy Maud Montgomery, Anne Of The Island

This quote is taken from what would nowadays be called a ‘Young Adult’ novel written in 1915. I loved the Anne of Green Gables novels when I was growing up. Even though some of the messages and themes have dated, human nature is what it is – and it will stay that way forevermore. This means that there are passages such as this one, that I haven’t read for over 30 years, that have stayed with me. Good advice, I guess, which can help carry us through tough times.

Even before the current pandemic, I used to talk about this concept with my kids, both biological and in class. That’s the advantage of being an English teacher – we can cover a lot of ground during class discussions. Basically, it’s when times are tough that people develop grit and resilience.

When times are easy and everything is going your way, there’s absolutely no need to learn how to develop a strong backbone. Why would you actively seek out adversity and tough times? You may develop other traits, such as good interpersonal skills or a strong work ethic, for example, but you have absolutely no need for determination and grit. When life is pretty much handing most things to you on a silver platter, you have no use for them.

But when times get tough? THAT’S when strength and determination become incredibly important. That’s what gets strengthened and built upon.

Mum and Dad wearing the masks I made for them.
Mum and Dad sporting the masks I made for them.

I live in Melbourne, which as of today has entered stage 4 lockdown because community transmission of the virus is getting out of control. We have a curfew from 8 PM – 5 AM every night, you can only leave your home for a total of 1 hour’s exercise a day, you can’t be outside a 5KM radius of your home and only one person per family per day can go out and shop. Masks are mandatory.

This is obviously easier for some people to take than for others. Many businesses have been directed to shut their doors, with pretty much only essential food, medical and infrastructure being allowed to keep their doors open. Some people have suddenly seen their wages and security snatched away. Not everyone has had the foresight or opportunity to build an emergency fund.

I’m one of the lucky ones – but it was a matter of timing. If I was embroiled in the last pandemic – the Spanish flu of 1918 – I wouldn’t be able to work from home. I’m a teacher. I’d either have to walk into crowded, virus-ridden classrooms or be out of a job, at a time when there was no social security.

Now? With the development of mass communications, I can easily work from home while the pandemic is going crazy. My wage continues to be paid and my risk of infection is way down. But not everyone is in my lucky situation.

I know what it’s like to have the financial rug pulled out from under you.

I know what it’s like to look at the pitiful amount of money in your savings and then compare it to the list of bills, a mortgage and the outgoings like groceries to feed my children.

I know what it’s like to wonder bleakly how I was going to be able to stretch things in order to cover everything.

It’s scary. It’s hard to fall asleep with the worry of it. Sometimes, I’d have what I’d call ‘doona days” where I’d go back to bed and stay for a few hours, just drifting in and out of sleep and resting up. Now that I look back, it was usually after a day like this that I’d spring out of bed the next day and Get Things Done. Constant worry is incredibly draining.

But do you know what?

Failure wasn’t an option. I had 4 little boys who were utterly dependent on me to make a good life for them. I knew that their father loved them but practical help from him was a rarity. I was their rock. I HAD to make this work.

Situations like this would be FAR easier if you could make one big gesture and the problem was solved. One action. One declaration. Whatever it was; if you could rise to the occasion ONCE, do or say whatever you needed to and then everything was fine and dandy again – how fantastic would that be? But that’s not how life works.

Getting through tough times means that you make lots of tiny decisions. Lots of little actions that, by themselves, will move the needle very little. But cumulatively – they all make a big difference.

There is so much in our control if we look around for it. There’s no point worrying over the things that aren’t. We can’t stop the pandemic on our own, but we can choose to stay at home whenever possible and wear a mask. If your place of work closes down for 6 weeks while we’re under a state of emergency, you can’t stop that. But you can look at applying for any subsidies you’re entitled to. You can look at your spending and ruthlessly cut anything that isn’t essential. You can start little traditions and fun things that cost little or nothing.

Bottle of champagne with "2019 EARNEST" written on the label. My theatre students' gift.
My students from last year gave me this champagne as a thank you. I could have guzzled it right away – but instead I saved it for a special occasion. Last month, Ryan25 finished his Remedial Massage course. We popped it open in celebration. Delayed gratification.

These repeated actions build character. They build determination and backbone. As a person, you develop resilience, which is a character trait that becomes invaluable throughout the rest of your life.

There’s an added advantage to there being many, instead of one, actions that will get you through times like these. If one day you succumb to temptation and buy that skinny soy latte you’ve been craving instead of waiting to make a coffee when you get home, it’s not going to break the bank. You can enjoy the drink, then get back on the frugality horse you’ve been riding and begin again to make good decisions. It’s not a ‘make or break, like a ‘grand gesture’ action that goes wrong would be. (Just don’t make too many of them!)

It’s the repetition of the little actions and the commitment to keep moving towards a better life that will bring you success.

Another novel I once read was a science fiction classic called ‘Ringworld’, where a character called Teela Brown is the product of 6 generations of a breeding program where people were bred for being lucky. Teela was a sweet girl who simply glided through life, always being in the right place at the right time, happening to meet with people she needed to meet exactly when she’d benefit from it. She always had enough money, but not so much that management of it would be a burden. Her lovers drifted away just as she was starting to get tired of them so she’d never been through a painful breakup and she was pretty enough to appeal to everyone, without being so stunningly good-looking for her looks to be a problem. Sounds good, right?

But she had no resilience or inner strength. She’d never learned to be strong in the face of adversity. She’d never needed to. Another character, Louis Wu, explains this by saying the following:

“She is intelligent, tanjit! She’s just never been hurt!……All you’ve got to do is watch her walk. Clumsy. Every second, it looks like she’s going to fall over. But she doesn’t. She doesn’t knock things over with her elbows. She doesn’t spill things or drop things. She never did. She never learned not to, don’t you see? So she’s not graceful.”
― Larry Niven – Ringworld

COVID is bringing the tough times to many people who had never really experienced them before. It’s a shock to the system when suddenly, all the plans you make and the things you counted on always being there are suddenly swept off the table. Add to all of this the fact that the virus is so contagious and people are literally dying from it. It’s not just a financial crisis. People are really doing it tough and are looking towards the future with fear and trepidation.

I know how it feels. I had my time of fearing for the future 23 years ago. I look back at Past Frogdancer and I’m so glad that she did all of those little things to slowly build stability and security for herself and her boys. She didn’t get everything right, but she did enough small actions in the right direction so that, financially and emotionally, her family survived and thrived.

Looking back now, I’m glad that I went through those tough years. Would I have chosen to go through them at the time? HELL NO! I used to wish that we’d win the lottery (only I was too poor to buy a ticket!)

But tough times breed resilience. I wouldn’t be the person I am now if I hadn’t have had to face the struggle and learned to make my way through. I’m far stronger than that past version of me, the one who sat on the back step watching her children play, hugging herself in fear and wondering if she had the guts to leave this toxic marriage. That girl took the first few steps with desperate faith that things would be ok, then worked to find a way to make it happen.

By doing that, Past Frogdancer developed skills and traits that Present Frogdancer and, hopefully, Future Frogdancer will continue to benefit from.

I wouldn’t have been like this without the struggle. My boys would be in a vastly different place if we didn’t live through it. They’ve also learned skills and developed strength in ways that they would never have had. I’m glad that we went through the struggle.

You will be too. Focus on what you can control and step by step, keep moving incrementally forward. I’m not saying living through tough times is an easy thing. It’s anything but. But one day, years down the track, you’ll look back at how Past You handled all that was thrown at you.

You’ll realise that you’re a better, stronger and more empathetic person. You’ll see that you’ve developed the confidence in yourself to know that you can tackle the curveballs that life throws you. You’ll know that you’ve learned skills and strategies that have enabled you to care for and provide security not only for yourself but also for those you love.

You’ll nod your head and, like me, you’ll acknowledge that the struggle was something that was worthwhile to go through… “though I suppose it is only when we are pretty comfortable that we admit it.”

Stay safe, wear a mask and stay at home. And control all the little things that will help propel you forward.

You can do it.

What does Pandemic Spending look like?

First shot of my 'no spend' chart.
Just an ordinary summer’s spending.

Those of you who’ve been reading this blog for a while might remember my “No Spend Days” chart. It’s a little thing I do to keep track of where my money goes. Every day that I don’t spend anything, I colour a square on the chart. It really became very effective once I added the silver box at the end of every week that has 3 or less ‘spend’ days in it. This gave me something to aim for and made my spending much more intentional.

At the end of every month I transfer the $$ amounts to my annual spend chart, so I know how I’m tracking year by year. The ‘No Spend Days’ chart is a useful little thing to have and it only takes a second or two each day to fill in.

This year has been an interesting one, what with the pandemic and the two lockdowns. I thought I’d show you how the pattern of my spending has changed since all of this covid stuff ramped up.

The top pic is of January spending. Typically for a school holiday period, I’m out and about a bit more and I tend to make more purchases for projects I have on the go. I also like to stock up the pantry a bit, to make those days in the future when I’m coming home from work feeling tired just that little bit easier.

The news of covid in China was about and my spidey senses were a little alarmed, but my spending was much the same as for any January. Hmmm… maybe it was a bit worse? Only ONE week where I earned a silver square for keeping my spending days under control.

February and March. This section shows a normal type of February (three silver squares) and then ramped up spending again. The beginning of March includes my little road trip getaway to Bowral – how glad I am that I was able to go! Fortunate Frogdancer strikes again! We won’t be able to go anywhere for a very long time now.

The rest of the weeks show the lead-up to lockdown. When I got back from my holiday I was sure that covid was going to be a problem and I didn’t want to be out and about any more that absolutely necessary, so I started adding to my stockpile. At this stage we had no idea that the premier would call a lockdown – he called it on the 16th March, which was on the last line of this section. The next day we had the crazy trip to Costco that I wrote about in this post – Having a stockpile. Sin or sensible?

Then the first lockdown began.

From now on, the chart shows what has happened during covid.

The first week of lockdown, I bought a few things that we needed to complete our preparations. Yeast for bread, (little did I know that I’d be making sourdough instead – I haven’t touched it!), potting mix and fertiliser for the garden… things like that.

Then we hunkered down.

In this section you can see that we had 9 straight weeks of silver squares. Three months of minimal spending. Every now and then we’d go to Aldi for fresh stuff, but we were basically eating out of the pantry and garden, while I was keeping myself occupied by doing some of the quilting, fencing and gardening projects that I’d planned for.

Up to date!

Look at this. Another 9 weeks of silver squares! EIGHTEEN straight weeks of being intentional with my spending! We’re now in the middle of our second lockdown, but even in the middle when I was back at work and life was easing back to a near-normal, I still watched when I spent my money.

Why? I was seeing a success streak happening and I didn’t want to break it.

Eighteen weeks is a long time. I’m curious to see how long I can keep it up for. It’s like that Jerry Seinfeld story when he told a young comedian that the secret to success was to write a joke a day and then put a big red cross on a calendar for every day he does it. After a while, you won’t want to break the line of crosses.

Me? I don’t want to break that line of silver blocks along the side of my chart. It’s stupid, it’s childish but it works.

I started my weeks on this chart with the weekend. The secret to making the weeks on this chart easy is to delay spending for as long as you can each week. If you avoid weekend spending, (easy in a lockdown!), then there are only 2 more days left in the week that you have to be careful. Too easy!

The thing that can derail you is that there could be an unexpected expense pop up and if you’ve burned through your spend days early in the week, you won’t get that square.

An example of this is when I asked Evan23 to buy some elastic for face masks and post it over to me from Adelaide. No one’s making face masks there so there’s plenty of elastic – the one thing I ran out of. He posted them on Monday.

So Monday became a Spend Day. Later, I sent David26 to Aldi to pick up a few things we needed so that I wouldn’t ‘waste’ this Spend Day. Hey – now that I have 18 weeks under my belt, I’m becoming a little competitive. I’m becoming even more strategic in my quest to see how long this silver square streak will go!

Tuesday and Wednesday have been no spend days so even if I run amok with my credit card on the last two days, I’ve earned my silver square. Eighteen weeks, baby!!!

Well, I’m off now to make a pumpkin and feta tart for dinner. The pumpkin is home-grown, we need to use up the feta and onion, (no waste in a pandemic kitchen!) and the rosemary that absolutely makes the dish sing is growing right outside my back door.

I’ve finished a day of teaching from home, I have a day off tomorrow and a glass of shiraz is in my very near future. It’s payday today and I love the thought that I can put a big chunk of it aside to help pay for my new ensuite later in the year because I’m keeping my spending way under control.

I hope that you’re all keeping safe and well in these strange times. I’m so thankful that I’m able to teach from home and that the rest of Australia isn’t seeing the crazy numbers we are in Victoria.

Wear a mask and wash your hands!!

Home-made masks for Tom28 to wear to work.

Why owning your home trumps renting.

The front view of my house.
My house before I started working on the front garden.

Dave from Strong Money Australia wrote a post this morning about whether or not he and his wife should cash out their share portfolio and buy a house. I enjoyed reading it, as it’s the perpetual question with FIRE people who are good at Maths – is it better to invest in the share market and rent, or to buy a house and save on living costs down the road when it’s all paid off?

Me? I’m a home-owner through and through, not for any mathematical reasons (because Maths is hard) but purely because the security of having my own place that nobody can boss me around and kick me out of is too precious to give up. Also, having three dogs means that no landlord would rent to me anyway – and having the dogs is one thing that I will definitely not give up. So the freedom of home ownership is something that is integral to the Frogdancer Jones lifestyle.

When I bought my current house, I bought it with one eye to the view of the floorplan being perfect should any of the boys need to come back home after living away. Basically, the house is a rectangle divided into 2 main parts, so I can happily live in the front part while the boy/s have their privacy at the other end. The land was smaller than our original house, which was a plus because I was finding it hard to keep up with the upkeep at the old place. Also throw in that it’s just around the corner from an Aldi, 5 minutes walk to the dog beach and 4 minutes walk from the train station – the bones of this property are all great!

However, even though this house is pretty darned perfect, there have been things that I’ve decided to alter. Being in my mid-fifties, I know myself pretty week by now and there are some things that I know Future Frogdancer would love to have at her fingertips.

My plan is to get these things done while I still have a pay packet coming in so that I can cashflow some of the jobs, though in mid last year I took 40K in profits from my shares to kickstart the whole thing. I still have 20K left to spend.

I’ve spoken before about how 2020 was always going to be the year of getting The Best House in Melbourne retirement-ready for when Older Me/Future Frogdancer decides to stop teaching. The list of things I’ve done here since the money came through from the Domestic Geoarbitrage adventure is as follows:

Apple trees growing in the veggie garden.
Apple trees in the background. The back half of my yard is devoted to food growing.
  • Before we moved in I had the hardwood floors sanded and polished. Real timber floors were a ‘must-have’ and I enjoy looking at them every day.
  • Added a wall of cupboards to the laundry for my zombie apocalypse cupboard. It’s come in handy during lockdown! Also, put in some new cupboards in the kitchen, along with a fantastic wine glass storage feature. Easy access to wine is also a ‘must-have’!
  • Totally ripped out the backyard and landscaped it with old bricks – no more lawn mowing and no more weeds. I’m very lazy.
  • Installed 18m of wicking veggie gardens, plus a small ‘orchard’ of 5 apples, a pomegranate, an apricot and 2 limes.
The new big verandah roof.
Now I have to decide what to plant around my outdoor room so that it flowers in summer for Christmas.
  • Installed a whopping great verandah along the entire back of the house, creating an outdoor room for family get-togethers and parties. With 4 boys in their 20’s, I have a feeling that over the next decade or so the family is going to get larger!
  • Bought a teak table that extends to seat 12 for this new space.
  • Once our cats Daphne and Maris died, I bought brand new leather lounge suites to cut down on pet hair sticking to the furniture.
  • I also found a dining table and chairs, a tv cabinet, a couple of stools for the kitchen bench, an armchair for my room and a coffee table on Gumtree. These antique pieces are totally individual and will see me out. I love them and they were second hand, so they were far cheaper than new furniture of comparable quality.
Painted paling front fence. Beautiful!
My new front fence with my stellar painting. Now the dogs aren’t on guard duty all day.
  • We’ve put up a side fence between us and the new neighbours. They have a staffy who hates little dogs and both households definitely don’t want any bloodshed!
  • I wasn’t planning to replace the front fence as it was a metal picket fence and built to last, but the dogs kept barking every time they saw a dog go by. I figured if it was annoying me, it must be annoying the people around us. This new paling fence blocks the view and if it ever gets tagged by teenagers I can simply put another coat of paint over it.
  • If you look at the photo at the top of the page, you can see that there were two yucca trees on either side of the house. Whoever planted these next to walkways was clearly no brain surgeon. Every time I went to put something in the bin I’d nearly get my eyes poked out by the spiky leaves. These trees are now gone. I’ve bought a couple of avocado trees to take their place. I’ll be able to stand on the verandah to prune the trees and to pick the fruit. These trees have soft leaves so they’ll be a pleasure to brush past.
  • I live in a slightly dodgier neighbourhood than I used to. I put Crimsafe safety screens on all windows and doors.
Bosch oven.
I bought German-made appliances – I know they’ll be well built and will last far longer than cheaper ones.
  • When the people before us did up the place to sell, they installed the cheapest stainless steel appliances that they could. It was on my list to replace them ‘someday’… but during lockdown the oven and dishwasher both died, so it seems that my kitchen renovation is suddenly pretty much done!
  • When our hot water service died I replaced it with a continuous gas hot water service. Expensive to set up, but over time it saves on gas and as an added bonus, people can program their showers to be the exact temperature that they want. I like this little luxury!
  • When a friend at work told me that her husband worked at the Reece plumbing ‘samples and seconds’ shop, I ducked in and bought all the fixings for my new ensuite I’ll have installed one day. I saved at least 8K on what I bought because he gave me mates rates on top of the already cheap prices. At the moment it’s all in boxes and bubble wrap cluttering up the boys’ lounge room, but that’s ok in the short term.

Astute readers will have noticed that few of these renovations are what people would consider “essential.” We could have moved into this place and lived quite happily without the brick paving, the new cupboards and the polished floors etc. After all, the families who lived here before us did just that.

But owning this home means that I can tailor it to the way I want to live. For example, I enjoy growing some of our food. To me, having literally half the backyard set aside for this is a great use of the space. But I don’t want to have to mow a lawn or weed all the time, so spending money on paving makes me happy, as I know I’ve freed up Future Frogdancer’s time. I don’t want her to fall down and break a hip trying to pull up a weed in about 30 years time! I could have put concrete down at a fraction of the price of the bricks, but I like the natural look of the bricks, so again – money well spent.

Scout, my miniature wire-haired dachshund.
Scout. She’ll be 4 next month – where does the time go?

I value a calm, peaceful home without any troubles from the council and the neighbours. The fencing I’ve put up isn’t the most exciting way to spend money, but it’s worth it because it keeps Poppy, Jeff and Scout safe, secure and QUIET.

I’m basically thinking about the things I like to do and the values I want to live my life by and then seeing how I can design my home to include as many of these things as possible. I want to have Future Frogdancer fit into this house like a happy little pea in a pod.

So remember I said I still have 20K left? I feel like a bit of an idiot because I had one job that absolutely needed to be done, but I kept putting it off because I was scared about how much it would cost.

Rotting timber balustrading.
Yeah… this doesn’t look good…

My front verandah has timber balustrading that has seen better days. I had absolutely no idea how much it would cost and then with coronavirus coming along, I shoved it into the back of my mind and tried to stop thinking about it.

Except… this job was only going to get worse with time and turn into something that would just get more and more expensive the longer I ignored it. So, after a year of resolutely turning my face away from it, I called in a couple of tradies to quote.

ARGH! I’m such a fool! I thought it’d cost thousands! I got the first quote back last night – $1,040. I could have had this done AGES ago. I’ve been needing to get this done so I could then plant my avocado trees. They’re still in their little pots, instead of getting their feet in the ground and producing those smashed avos that my millennial boys dream about.

As part of this job, I’m also getting a piece of laserlight nailed to the underside of the verandah, where an access door is. This will be where I’ll put our lawnmower. It’ll be tucked away out of sight, safe from any rain and it’ll be right where the lawn is – no wrestling it down from the backyard. Again – I’ll be getting something done that suits me.

So what else is on my list?

  • The other side fence. It’s literally falling apart, so once I get this done I won’t have to worry about fencing for decades.
  • Beautifying the new back verandah. I’ve bought the dining table and chairs and we have an old couch there, but it needs plants around the perimeter and I want to get a couple of half wine barrels to put splashes of colour in. I also want some sort of artwork on the wall of the house to make it all look pretty.
  • A new ensuite. My old one is perfectly serviceable, but it has a shower over a bath. I HATE THIS – it’s so pov. Plus I think it’ll be unsafe when Future Frogdancer will be getting in and out of it – one slip and she’ll be in a world of trouble.
  • A Tesla power wall. I don’t know if I’ll be able to get one of these, but I’d love it if I could. I’m looking for ways to future-proof Future Frogdancer’s bills and seeing as I already have solar panels, this could dovetail in quite nicely. Plus, I like the idea of having a back-up when power cuts and brownouts happen during the summers. I have a niggling feeling that these will get worse as time goes on and peak oil starts to bite and I don’t want to suffer through hot temperatures or have my freezer lose all of its contents. I freeze A LOT of things, particularly from the garden and I’d be incandescent with rage if I had to throw it all out.
  • An office/crafting room. OMG. I’ve never had one of these in my life and I’d love one. When we looked at this place, one of the back bedrooms was set up as an office. It has a door through to the backyard and it has a wall of cupboard save lined with shelves. THIS is the space. Unfortunately, Ryan25 lives in here and he’s not going anyplace soon – he’s finishing his remedial massage course and going straight into a 12-month myotherapy course. So this one will have to wait. But when I have all of my paperwork, my sewing machine, my yarn and my fabric all organised in the one room, I’ll be a very happy woman.
  • Painting the inside of the house. This isn’t urgent, but like the kitchen fittings, the previous owners did a very quick spray job. I’d like enamel paint on the skirting and doors, instead of the matt paint I currently have. It’s impossible to wipe down properly.
  • Landscaping the front yard. I have a vision of people coming through the high front gate and being greeted with a beautiful oasis of flowers, fruit trees and lawn that is invisible from the street. Apart from my avocados, I have absolutely no clue what I’ll be planting here. None whatsoever. But it’ll come to me.

The beauty of having my own place is that once I set it up, I’ll be able to live here with minimal ongoing costs and I’ll be perfectly happy with everything I have around me. I plan to travel overseas every year (once this pesky pandemic sorts itself out) but when I’m at home, my dogs, my crafts, my books, my blogging and my gardening will occupy me very nicely.

Once you buy furniture, that expense goes away as you have it for YEARS. Given this, it’s worth it to hunt around for items that really suit you. I found this out the hard way. When I moved in with my boyfriend back in the day, we bought some ugly cheap pine furniture “just for now”. A marriage, divorce, 4 kids and twenty years later, I finally got rid of those eyesores. It’s better to buy things you love looking at (like my bedroom setting that I’ve had for 25 years and have no plans to replace), because furniture hangs around for decades. My rule now is to allow nothing through the door that I don’t love, no matter how “practical” that thing may be.

Propaganda poster from my trip to North Korea.
One of my propaganda posters from my trip to North Korea, along with a North Korean banknote that I smuggled out.

My plan, once the world opens up again, is to gradually fill my walls with paintings and drawings from places that I’ve visited. I’m in no hurry to fill the empty walls I have. I’ll see something on my travels and know that I’ll want to look at it for the rest of my life and it’ll find its way home.

I love the idea of slowly building a collection of art that will spark memories of my travels and will make my house look totally different to anyone else’s. My house will reflect ME. So far we have Balinese paintings, pieces from North Korea and Venice and France. I wonder what else will join them as time goes on?

I save vegetable seeds and grow from them year after year. I love the idea of feeding myself and my boys food that started from seeds I bought years ago, but which still feed and nourish us years into the future. There’s something about the continuity and the tradition that appeals to me.

Home ownership is something that is definitely a financial struggle in the beginning. Homes are not something that vendors just casually give away! But over time, as the mortgage is paid off and there’s extra money available, there’s a beautiful opportunity to craft your living space into the perfect space for YOU.

Being on the FI/RE path as we are, the vision of decades of freedom in a space we simply enjoy living in is something to be aimed for. At the moment I’m having the fun of planning and ticking tasks off the list one by one. In a couple of years, I’ll have the fun of actually spending huge gobs of time in this home I’ve created. A home that keeps costs to a minimum. A home that makes me happy and fulfils my needs.

A home that suits ME.

So what’s your story, Frogdancer Jones?

I was interviewed for the Late Start to FIRE series.

While I’m stuck here at work, putting in my last day before the winter holidays, please duck across and have a read of this series. There’s some very interesting and determined people there, who all prove that you can still retire early, even if you don’t discover FIRE until your 40’s or 50’s.

Thanks to LateStarter Fire for letting me share my story!

Accidentally frugal and slightly extravagant.

The last few months of lockdown have allowed me to be slightly extravagant because I’ve been accidentally frugal. By ‘accidentally frugal’ I mean that by staying at home for the last 3 months, I’ve brought my day to day expenses to nearly zero while pulling in a wage by working from home. Sadly, I’m now back at school, (wearing a face mask because there’s no way those kids will socially distance), teaching crowded classrooms and sitting in staffroom with lots of others, but the past 3 months have allowed me to (almost) finish a very expensive job on my ‘things to do’ list.

But today, one of those expenses I dropped from my shopping list is now back.

As I sit in the hairdressing salon, 15 weeks after having my last hair appointment, I feel a little uneasy. When I walked in there were 2 women sitting o the couches waiting, while 2 women were having their hair worked on. I went to sit down and my hairdresser raced over, waving her hands frantically. 

“NO, No, don’t sit down – there’ll be too many people in here!” she said. I waited on a bench outside while she finished blow-drying her client’s hair.

One hairdresser is wearing a helmet-y device with a clear plastic shield over her face. ‘My’ hairdresser is wearing a face mask. When I saw that, I pulled out one of the home-made face masks that I’ve been wearing to work and I put it on.

Now, I’m ensconced in a corner of one of the couches and I’m waiting my turn.

Honestly, I’d be happy to leave my hair looking like a haystack for a few more weeks, but it occurred to me that the best time to get a cut and colour would be between the two waves of the virus, assuming we get a second wave, which I feel in my waters that we will. Although I’m obviously still youthful and dewy,  I’m at the awkward age of having grey hair around my face but my hair is still darker at the back. I thought about going gracefully grey but in the end I’ve decided against it.

So here I am. I used to get a cut and colour every 6 weeks or so at a cost of $85. I know – it’s crazy cheap! Lockdown has saved me around $200 on this one recurring expense, which is nothing to be sneezed at. I’ve also goy a different look now – leaving my hair to grow has given me a bob, rather than a short hairdo. I’m going with it for the moment, just as a change.

Lockdown has been a strangely frugal, yet expensive time. Long-term readers of this blog would know that I’ve made a list of things to get done here in The Best House in Melbourne before I retire.  Updating my major kitchen appliances was on the list, but way down. Now, it appears that I’ve accidentally attacked this job without meaning to.

A few days after lockdown started – and just as I began a sourdough starter – my oven died. Given that I’m looking to retire-proof my house, I wasn’t going to buy a cheap and nasty replacement. I’m going to do that job right! So in went a $1400 made-in-Germany oven. Then, 2 weeks ago our dishwasher died. Again, I’m going to replace it with something that’ll last for Old Lady Frogdancer, so another $1600 went on the same made-in-Germany brand. (Both these prices include installation and removal of the old models.)

At the same time, I haven’t been spending money. Petrol? Nup. Been staying at home. Food? We stocked up before the lockdown, so apart from buying a few fresh ingredients, we haven’t been going to the shops. Entertainment has been taken care of by books, Netflix, Foxtel (my free 2 months runs out next week so I’ve been bingeing) and my latest awesome discovery – audiobooks from my local library. I had to replace my 8 year old iPad just before lockdown and I’ve scored a free 12 month subscription to Apple TV. When I cancel my Foxtel I’ll move across to this.

I’m not a big online shopper at the best of times. The only things I’ve bought have been the oven, dishwasher and a gorgeous earthenware water bowl for the dogs as a lockdown present to myself.

Poppy.
Poppy.

All in all, my biggest expense apart from the kitchen appliances has been three trips to the vet. Poppy has had a couple of eye ulcers, which sounds incredibly painful, so of course we have to get rid of them. No one said that having pets was a cheap thing to do, but of course in this household, the dogs are the heartbeat around which the house revolves. After all, I only bought this house when I did so that we could continue to keep them!

So, by being accidentally frugal, I’ve been able to cashflow the bigger expenses because my wage isn’t being frittered away, which has the huge bonus of allowing me to protect my savings. Just between you and me, I’d rather have the 3K that I’ve spent on an oven and dishwasher sitting in my savings account waiting to pay for a new ensuite or new front verandah, but hey – I’m a glass half-full kind of girl. At least I’ve just about finished my kitchen reno! A new cooktop and exhaust fan is all that I need

But they can wait…

… as I am. My hairdresser doesn’t accept appointments so I’ve been sitting here for an hour. I’m next up, though! In a couple of hours I’ll be ravishingly beautiful again. (Edited to add – it took 4 hours all up. But at $85 for a cut and colour, I’ve learned to take my laptop and a good book in with me. You never know how long you’ll have to wait.)

Now that I’ve finished this blog post, I’ll be firing up my kindle app and beginning Noel Whittacker’s ‘Superannuation Made Simple.’ If I’m heading towards retirement in the next little while, this is an area I’ll need to be very familiar with! 

How my Emergency Fund proved its worth against the virus. Twice.

Scout, feeling safe and secure in the knowledge that we have a sturdy emergency fund behind us. It means everything to a dog.

I’ve had an emergency fund for the last 2 decades. When I left my husband 22 years ago with $60 cash in my hand and with 4 boys under 5 to support, the first thing I set myself to achieving was building a $1,000 ‘buffer zone’ (as I called it then) to provide some security for the boys and me. I’ve written about how an emergency fund is a very good thing to have but is this still the case?

It’s been interesting to see how having that stash of cash has made life so much easier in this pandemic.

When, in December 2019 and January 2020, news started coming out from China, then Italy about this weirdo new virus, my spidey senses started tingling. I’m a bit of a germophobe at the best of times, so the thought of having to deal with a possible pandemic wasn’t a great feeling. Add to that my job as a teacher, being surrounded by germ-ridden teenagers all generously sharing their viruses with everyone around them – it meant that I was paying attention to what was going on.

Over January and February, I didn’t use my Emergency Fund at all. I quietly topped up on staples and non-perishables as part of my normal shops. By the beginning of March I was looking to be in good shape. I took a little holiday and enjoyed myself. Then, a week or so later was when the proverbial hit the fan. You remember – when people started panic buying toilet paper, flour and tissues.

The middle of March was the first time I deployed my Emergency Fund. The last time I tapped it was the beginning of 2019 when Tom28 needed a loan to repair his car. He paid it back within 2 months and then the emergency fund just sat there, biding its time.

Sourdough, baked with flour bought in The Great Costco Shop of March 17.

Remember when I wrote about going to Costco the day after our state Premier announced a state of emergency? As David26 and I rounded the corner after parking our car and saw the 1,000+ people ahead of us in the queue, I decided that if we were going to brave this, we were going to make it worth while.

In the back of my head were all my fears about the ‘just in time’ policy that our supermarkets have. For years I’ve been telling the boys that you don’t want to be out panic-buying supplies when everyone else is fighting for them too. Far safer to be at home while everyone else is wild-eyed and desperate. That trip to Costco was illuminating. Turns out I was correct.

We were only there in the first place because David25 wanted to bring some supplies to his girlfriend’s family. Ok, fair enough, but I was damned if I was going to race around behind one of those huge Costco trolleys, dodging hundreds of last-minute panic buyers just to buy things for other people! If I was going to be doing this crazy thing, I was going to top up our own supplies as well.

So we bought bulk bags of plain flour, bulk dry pasta, another big bag of grain-free dog food, oil, eggs, coffee, cleaning supplies… between what we bought for Izzy’s family and ours we loaded up the trolley.

On the way home we passed Dan Murphy’s. Seeing as we were already stocking up and it was definitely a ‘Spend Day,’ (more on that later), we turned in. There were only about 6 other people in the whole place. We were definitely ahead of the trend in buying alcohol! We bought heaps of wine, ( I don’t want to do without my shiraz in the evenings!) and I shouted David26 and Ryan25 some vodka, beer and spiced rum.

Earlier that day, at 8AM, I’d been to Bunnings, buying fence paint and potting mix. I’d thought ahead and realised that I’d need to occupy myself in the lockdown I was sure was going to come.

All up on that day we spent around 2K.

That’s when I deployed the Emergency Fund. I pulled 2K out from it and put it straight onto my credit card. I didn’t have to go into debt to shore up our defences – we had the cash. After all, if a pandemic isn’t classed as an emergency, I don’t know what is!!!

But then came something else…

A week after we went into iso, my oven broke down. Great timing, hey? It had come with the house, was cheap and nasty and was always something that I was going to get replaced, but I wasn’t planning on doing it any time soon.

Now this WAS an emergency. I’d just begun a sourdough starter – I needed an oven to cook in!

This was where the Emergency Fund proved its worth yet again. If I had no money set aside and had to buy something on my credit card, I know full well I would have probably bought another cheap and nasty oven – anything to get food hot and ready for dinner. I’d want to limit what I put on the card, so it would have been the cheapest I could buy. This would mean that a couple of years down the track I’d be in the exact same position that I was now – hating the oven and wanting to buy a new one.

But now? I knew that I wanted a German-built self-cleaning oven. Something sturdy and of good quality that would last for years. These ovens don’t come cheap.

I’m of the mindset that I’d rather do something right and only have to do it once, rather than trying to cheaply do things and end up having the same problem over and over. The Emergency Fund meant that I had the money there to get the job done right – first time. Sure, I was a bit annoyed at having to spend the money right now – this was a job that I would have been happy to palm off to some future time – but having the Emergency Fund meant that I could take care of it properly.

(On an aside – you should have seen the guys who came to deliver and install it a week later. They were gloved and masked – it almost looked like they were going to rob the place!!)

So the oven, plus installation, cost nearly $1,800. That’s nearly 4K to come out of that account in a couple of weeks. So how does running the Emergency Fund look like after this?

Easy.

As soon as you tap the Emergency Fund, the iron-clad rule is that you devote the next however-many-pay-packets-long to building it up again. You want to get it back to its original level as soon as you can, ready for the next unexpected event.

Sure, the timing’s been a little annoying. With that dip in the share market, I would have loved to be buying cheapish shares with my surplus money like a lot of FI/RE people have been saying that they’ve been doing, but in the Jones household financial security comes first. This means that a strong Emergency Fund is the top priority.

My next pay is on Wednesday. I have $500 to go to get my Emergency Fund back to its pre Covid-19 level. How have I done it so quickly?

Haha! My secret weapon – my ‘No Spend Days’ chart. It’s all about turning buying things and spending money from a mindless activity to an INTENTIONAL one.

I posted about how it works HERE. It’s worth reading if you think that this might be something that will help you have fun tracking your spending. It really works for me.

Basically, every day that I don’t spend anything, I get to colour in a square. if I have 3 or less days a week where I’ve spent money, I get to colour in a silver square at the end of the week.

The idea isn’t that I never spend any money at all – that’s obviously unsustainable. But what it does is to force me to consciously consider WHEN and WHAT I spend my money on. It turns spending from a constant dribble out of my wallet to a truly deliberate decision.

Now have a look at the screenshot I took from my chart. It’s showing March and April. April is orange – March is yellow.

It’s amazing how, if you don’t need anything, how your spending can go down!

From the 7th of March, I was away on my little holiday at Bowral. You can see there’s a spend of $260 on a helicopter ride – that’s not a usual item in my budget! I arrived home the following Tuesday, had a ‘no spend’ day after that where I just chilled at home… but then I swung into gear mopping up the last of the Covid-19 lockdown preparations.

On the 14th March you can see my ‘panic-buy’ at Spotlight, where I bought $174 worth of quilting supplies. A few days after that, on March 17, was the hideous Costco shop, along with the Bunnings and Dan Murphy buys. I deliberately grouped them all together, knowing that they’d be substantial. Geographically, they were close together too – saving on petrol. Why not? 🙂

The rest of March, the shopping was just for little incidentals to pick up tiny things I may have missed. An example is the $10 yeast on the 25th March.

But look at what happens once April starts:

Well ok, buying the oven on the first day of the month was annoying, as well as having to take a sick dog to the vet. But after that, the spending has plummeted. Why do I need to spend money once everything I need has been taken care of?

Some people I see on Twitter and Facebook are preening themselves on their cleverness in using online shopping to buy food and anything else they want, saying that they’re taking themselves out of the line of infection. But that doesn’t sit right with me – I think that by doing that, you’re putting other people INTO the line of infection by having to get your order to you. I know people need the work, but for me? I’d rather know that I’ve looked after ourselves and we’re not asking other people to risk their health just so we can bunker down and feel safe.

I’m lucky in that I still have a wage coming in. Most of that wage has so far been replenishing the Emergency Fund. But this is something that anyone can do whether they have a job or not – I know because I did it myself when I was absolutely broke and living on the Sole Parents Pension.

It doesn’t matter if you can afford to tip a thousand, a hundred or ten dollars a pay into building your emergency Fund back up – IF YOU KEEP ON DOING IT EVERY PAY, IT WILL GET THERE EVENTUALLY. You just have to keep the long view in mind and know that it will happen and you’ll be all the more secure for it.

As for our long streak of not spending any money, this will end tomorrow. With all of the delicious sourdough I’ve been making – (RECIPE HERE, thanks to latestarterfire’s recommendation), we’re down to our last stick of butter.

I’ll be whisking myself off to Aldi to buy butter, top up our fresh produce (though the garden has been a godsend in keeping us away from the shops – (another security measure I should maybe write about??) and to buy some chicken chips. I still have some chocolate, but nothing beats the salty crunch of potato chips/crisps when I’m watching ‘Survivor’.

In a few days my Emergency fund will be back to normal and I can relax, knowing that when – not if – the next unexpected thing hits us, the one thing we won’t have to worry about is money.

And that’s a precious thing.

Having a stockpile. Sin or sensible?

Panic buying fence paint and potting mix at Bunnings.

With all that’s been going on around the place with people panic-buying toilet paper and the like, I thought I’d share my views on having a stockpile of food and non-perishables around the house. I’ve had a stockpile for the last 2 decades and I find it a really useful and economical way to run my household.

Going back 20 or so years, (in the time before Aldi), I started building a supply of food and other things when things were on special. I was living on a single parents pension of around 18K/year with 4 small boys to feed, so money was incredibly tight. Over the course of a year or so, I gradually built up the supplies in my pantry so that in the end, I was pretty much buying as much as I could when something was on special.

In other words, we were eating most of our food at a discount. When baked beans, for example, were half price, I’d buy 10 or 20 of them, depending on how much leeway was in that week’s budget. Then we’d gradually eat them down until the next time when they were on sale, when I’d buy the same amount again.

Short-term, this was a more expensive way to run the household, but I’ve rarely been a short-term thinker. Over the course of a year, I’d easily save a few hundred dollars on meat, groceries, pet food and cleaning products. I was so poor that a few hundred dollars made a HUGE difference to our quality of life. The stockpile was worth doing.

When Aldi came to our neighbourhood, it was different. They had no ‘specials’ as such, but their prices were so much lower that I gladly started shopping with them.

And I still kept a stockpile. Why?

I realised that liked having reserves of food and other staples around. I liked not having to run to the shops every time I ran out of an ingredient, because I almost always had a replacement in the back cupboard. It gave me a sense of security and comfort in the fact that if something unexpected happened, I knew I could look after my boys and that we wouldn’t have to go shopping if people were out there acting crazy.

When ‘The Walking Dead’ came along, I christened my stockpile ‘The Zombie Apocalypse Cupboard’ and that’s its name today. Hearing the supermarkets run on a “just in time” policy of stocking their shelves cemented the idea that having a small stash of necessities wasn’t a bad idea.

So, seeing as I’m a bit of a prepper, how has the Jones household been acting in this time of Coronavirus?

I’ve so far been ahead of the wave. I’m a teacher and sooner or later it appears that Australia will have to close the schools down. The only question is when. I fully expect to have to self-isolate at some stage, given that I work in a school with nearly 2,500 kids and 200 teachers. That’s a lot of bodies that the virus would love to inhabit! Given all of that, it made sense to me to get ahead of the game and make sure that we had everything we’d need if we couldn’t leave our house for a while.

Years ago I read an article about the people of Sarajevo when they were caught in the middle of a war zone. It included a list of all the things they most prized. The number one item? Toilet paper, closely followed by matches and perfume. I’ve never forgotten that, so the Zombie Apocalypse cupboard has a dedicated shelf to the old bog rolls. Back in early February, when stories started to surface about this new virus but it was long before any panic-buying, I quietly stocked up on loo paper.

Then, in the next week or two, I bought a few extra tinned and packaged goods. Things like tuna, chickpeas, pineapple chunks (for pizza) and paracetamol. Grain-free dry dog food and the raw meat patties I feed Poppy, Jeff and Scout were also on the list. Dishwasher tablets, aluminium foil and baking paper came soon after that.

By the time I noticed toilet paper shelves were starting to empty pretty rapidly, I was feeling like our food situation was ok. But what would I do with my time if I had to self-isolate for at least 2 weeks? Remote -teaching my students would take up a bit of time. But there’d still be extra hours to fill…

Reading is my #1 passion. I have at least 15 books piled up beside my bed and a huge number waiting to be read on my kindle app. I have Netflix and Foxtel, so the tv viewing and book reading situations will be fine. But what about other things?

While everyone in the last week has been going crazy in the supermarkets, I’ve been at Spotlight quietly buying quilting supplies and at Bunnings buying fence paint for my new front fence, along with decking oil and potting mix.

Stockpiling doesn’t have to be just about the food. I’ve brought the paint buying forward a month or so, but now it’s done.

Though it hasn’t been all fun and games.

Two days ago, David26 and I went to Costco. It was a Tuesday morning, 10 minutes before opening time. David26 was worried about his girlfriend Izzy’s family and wanted to buy a few staples for them. Against my better judgement I agreed to take him.

The premier of Victoria had issued a state of emergency the day before. S**t was starting to get REAL.

It was incredible. When we arrived, there were easily 1,000 people ahead of us in the queue. It snaked around the carpark. David26 and I looked at each other.

“Well, we’re here now,” I said. “We probably won’t be able to get toilet paper for them, but we can get other things. And while we’re here, we need a 3L bottle of milk and I could always top up the dogs’ grain-free food. Then, if we’re isolating ourselves at home, the dogs’ll definitely be ok.”

It took us 25 minutes to even get to the front door. By the time we got there the signs were up saying ‘NO MORE TOILET PAPER.” By the time we reached the front of the queue, it was almost twice as long as when we got there.

Mini road-rage spats, with honking horns, were happening in the car park. Just as we reached the front, a police van quietly drove through and parked on the corner, clearly to keep an eye on things. Anyone trying to push into the queue was quickly told where to go… and by that I mean down to the end of the queue, not to go straight to hell!!!

Once we were inside, those massive Costco trolleys were racing around in all directions. People with a wild look in their eyes were grabbing everything they could lay their hands on. There was a limit rule of 2 cans of Glen-20 per membership, but at the cash registers I saw quite a few people who, like David26 and I, had come in a pair, trying to argue that they should be able to take 4 cans. No one got away with it though.

As we were waiting to pay, I whispered to David26, “If this is what it’s like on a Tuesday, imagine what the end of the week will be like if the news doesn’t get better? Not sure I’d want to be here then.”

So, what with my normal preparedness and yesterday’s Costco run, I guess I’ve seen both sides. So which is best?

If you’re an adrenaline junkie who likes to pit themselves against the odds, then yes! Leave everything till the last minute and go out and take your chances.

Personally, I don’t think it’s a sin to be prepared. You don’t want to be THAT guy who has 4,000 rolls of toilet paper lining his garage, but I think it makes sense to have a place set aside for things that you regularly eat/use as a back-up. When things are going wrong, the fewer people who are out on the streets competing for things, the better.

If any (or all of us) gets the virus and feels sick, it’s a comfort to know that we have everything we need to look after ourselves well within reach. By having the Zombie Apocalypse cupboard, we’ve eliminated that anxiety from our lives. If Tom28 has to come home if he has no work and can’t pay his rent, there’s food enough to cover him.

Having a stockpile of the basics eliminates that awful fear of not being able to provide for my family. Twenty-two years ago when I left my husband, I had $60 in cash, 4 small boys and no job. I did a Scarlet O’Hara and vowed that, as God is my witness, these boys will not suffer for what I’ve done. I would provide for them, no matter what.

Having a stockpile is, for me, an essential cushion against misfortune. Or a pandemic. So if you don’t have one at the moment, how do you build one up?

DON’T do what all the frenzied shoppers at Costco are doing. Going by the overloaded trolleys we saw, there are going to be lots of people with a massive credit card bill to pay in the next month. Obviously in this time of Coronavirus, buy what you need to get you through, but as for a stockpile for the future?

Do what I did when I was young and poor. Do it gradually.

Buy extra of the things that you’ll eat when they’re on special. If money is tight, buy an extra one. If you have a few more dollars free, buy multiples. Store them in a line in your pantry/zombie apocalypse cupboard. This is so you can keep track of use-by dates.

If you happen to buy more of a particular item before you’ve used up everything in that particular item in your stockpile, PUT THE NEW CANS/PACKETS AT THE BACK AND MOVE THE OLDER THINGS TO THE FRONT.

This is called rotating your stock. It may not be a sin to have a stockpile but it’s certainly a very bad thing to waste time, money and shelf space on food that you have to throw out because you didn’t use it in a timely fashion.

I’ve read that some people mark their stockpile items with a permanent marker of the date they bought them. Me? Nah. But if that idea floats your boat, go for it.

Over time, as various items come on sale or you have a few extra dollars and can buy a few extra things, your stockpile will build up. It’s a beautiful thing.

Only buy what you and your family like to eat and make sure you rotate your stock. This way, there’s no waste and you always have stores available in case something unexpected happens. It’s the most immediate way to provide a safety net for the ones you love. Having a paid-off house comes second.

Anyway, these are my thoughts on stockpiling. I’m proud to say that my two boys who are living on their own also saw which way the wind was blowing and stocked up on a few non-perishables before the supermarkets got crazy.

I normally don’t ask for comments, but I’m curious as to what you all think. I’ve laid out my history and why I’ve always had a store of food and such in the cupboards. Are you like me? Or do you have another way of navigating the world?

Buy practical souvenirs, they said. It’ll be fun, they said.

Jeffrey while I was packing. Not sure if he was trying to prevent me or hoping to come too!

I have a rule when I go on holidays. Any souvenirs I buy tend to be useful. I bought an olive oil container in San Gimignano. A spatula in Pyongyang. Christmas tree decorations all over Europe.

So what did I buy on my getaway this week to Bowral?

My stylish yet affordable shopping trolley.

I’m so pleased with this one. I now have a shopping trolley, just like a nanna!!! Living around the corner from Aldi, as I do, I usually load myself up with a few bags and walk to get my groceries. Those bags can get heavy on the walk home.

So yesterday, I looked at my zombie apocalypse cupboard and realised I needed to panic-buy wine. A woman cannot live on toilet paper alone. So I took it out for a spin. It worked a treat. I’m very happy with this one.

But what else did I buy as a souvenir?

A helicopter ride.

I spent $250 on a helicopter ride.

And before you mention the rule about practical souvenirs – in my book this IS practical. I’ve never been in a helicopter before and now I know that I won’t die wondering what it’s like.

Just before lift-off.

When I’m walking the dogs on my Backyard Beach, we get quite a few small planes and helicopters above, following the line of the bay. I thought it’d be nice to create a memory that I’d think of every time I see a helicopter.

Lovely clear morning – Fortunate Frogdancer strikes again!

There’d been torrential rain two days before, so it all looks beautiful and green, but you can see that the dams in the paddocks are nowhere near full. The farmers could still do with a lot more rain.

I had the headphones on and we could hear the chatter from air traffic control, as well as the conversation from the people in the cabin. (Three of us.) You could hear the sound of the rotor blades but it wasn’t too loud.

The day was already quite warm. The only air-con was a little flap in the door next to me, which I could push open or shut. I left it open and the breeze was beautiful.

The border between Victoria and New South Wales.

I drove over this river the day before.

Two memories for the price of one.

Bowral has a way famous antique/junk market called Dirty Jane’s. I whiled away a couple of hours here and walked away with my rusty bird on a swing for a mere $25. I’m always on the look-out for quirky garden art. The reason I bought this was that the bird looked just like the fried baby pigeons that I saw at a food market in Beijing. Two holiday memories for the price of one!

And in case you’re wondering – no, I didn’t eat one. When I travel I rarely say no to experiences, but I couldn’t face crunching away on a baby bird. Or a skewer of scorpions, some of which were still moving. Fortunately, there was nothing like that on the menu in Bowral!

On the way up I stayed overnight in Albury. In both towns I walked through every art gallery I could find. The Milk Factory was the best one I found in Bowral, but I struck gold when I found the Albury library’s gallery. They had a huge exhibition of Lynley Dodd’s work. You know – ‘Hairy Maclary from Donaldson’s Dairy‘?

When I walked in, a tour was just starting. Fortunate Frogdancer strikes again! So I joined it and followed them around. By the way, did you know that in New Zealand a ‘dairy’ is like a corner shop or milk bar? Puts a whole different view on things.

Of course, being Scout’s mum, I had to take a photo of the dachshund!

In keeping with my new view on exercise, I kept the car driving to a minimum. Well, aside from the whole 753 kms/ 468 miles to get there in the first place.

I walked all around the town centre in Albury and discovered their lovely little botanical gardens. Galleries and gardens are free, people! While I was in Bowral for 3 nights, I didn’t get into my car at all. I walked everywhere, which would’ve been unheard of on previous holidays.

In fact, on my last full day there, I didn’t leave the room until 5 PM, when I walked into town to buy some sushi for dinner. I packed my sewing machine and the half-assembled quilt top that I’m making for my sister-in-law and I vowed that I wasn’t leaving town until I’d finished it.

Yes. I didn’t choose the thug life; the thug life chose me.

Success! I finished it 15 minutes before ‘Survivor’ started! Now all I have to do is assemble and quilt it.

When I planned this holiday, I decided I was going to go to galleries, eat out at restaurants and go for bushwalks. When I took the helicopter ride, I decided that I’d cut out the restaurants. The only meal I had in one was when I met up with a blog reader and her Other Half who took me to an American-style diner in a neighbouring town.

Blogmeets are always good. You all know each other from your writing and so there’s no initial awkwardness when meeting up for the first time.

I bought a delicious sourdough loaf from an artisanal bakery and some dips from Woolworths. They were my breakfasts and dinners for a couple of days. It was DELICIOUS! I’ve always wanted to go to a Turkish restaurant and just order dips and bread and now I feel I’ve finally done it.

That’s a huge advantage of travelling as a single. If I feel like eating sourdough and dip for 2 days, I can.

I also gave myself a treat to look forward to. I always have one bottle of perfume on the go at any one time and I totally use it up before opening another one. For the past year or so I’ve been using a perfume that Mum and Dad gave me after a Bali trip. It’s ok… but it doesn’t fill me with joy when I spray it on every morning. But it’s just a few squirts away from being used up, so I bought my FAVOURITE perfume.

This is what I took away with me. It was lovely to unwrap it the first morning I was away and use it.

Mmmmm Mmmmm!

Sometimes looking forward to something is a gift you can give to yourself.

The same height as the birds.

So, as I sit on the couch before I go back to work for the first time in a week, how do I feel?

The alarm at 6 was a rude awakening. I don’t really want to go in, even though I know I’ll have a good time when I get there. With all the talk of coronavirus, going to a school packed with 2,300 kids and 200 staff is starting to seem slightly reckless.

Still, it’s just the one day, then I’ll have the weekend. And I can always simply close my eyes and remember when I was flying with the birds…

Does gaming help to develop grit?

Ryan24 with a bandaged foot.
Home for the weekend.

Around 3 days ago I wrote about my son, Ryan24, and a conversation we had in the ER with a nurse when we were in there tending to his burned foot. The foot was damaged more deeply than initially thought and although he’s home for the weekend, he’ll need a couple of skin grafts.

The pain he’s constantly in is strong. Even after 9 days after it happened, on a scale of 1 – 10 his level is a 6 on the strong pain killers and a 9 when they wear off. Yet he doesn’t complain. He hasn’t asked to go back to the ER for stronger stuff. He’s told off David26 and me when we offer to help him with things, saying, “Leave me my independence!”

He’s displaying grit. But where does it come from? Are you born with it or is it something that is learned over time? And how can this help us along the road to financial freedom?

The two of us have talked more about pain in the last few days than we have in his entire lifetime. He’s very articulate about it, which I guess is hardly surprising, given the situation. On Friday morning, a couple of hours after standing beside his bed watching him undergo the most pain I’ve ever seen a human being experience when his bandage was being replaced after a debridement procedure the night before, he explained what intense pain is like.

“Mostly pain is easy to deal with because you can do something to ease it, like moving in a different way or something. But this is like having my foot dipped in molten lava and there’s nothing I can do to stop it. You have a pain level you know is unbearable, but up till then, you can deal with it. But when it goes a level about that, and then a level above that… and then keeps on going, there are only two things that can help you. Tears and mental gymnastics.”

(The bold emphasis is mine.)

Ryan24 is a gamer from way back. He’s been playing on consoles and computers since he was a wee tacker. He’s undergone more quests and challenges than you’ve had hot dinners. He’s used to being confronted with a danger, a problem or a dilemma and then working his way through it logically. According to his friends, he’s a good man to have on the team because he stays level-headed in a crisis and keeps the bigger picture in mind. He also has amazing map-reading skills, but that’s beside the point for this post.

This is a financial independence blog, but like the post I linked to earlier, it strikes me that Rya24 is exhibiting many of the traits that lead to success with handling money.

Like so many people who are appalled when they realise how deeply they’ve dug themselves into debt, he’s in a crisis situation. Some people promptly put their heads back into the sand and refuse to deal with the problem they’ve created for themselves. Others choose to take a clear look at their situation and start taking steps to gain relief from it.

Ryan24 is choosing to take the long view of his problem. He knows that this won’t last forever and the best thing he can do now is to listen to the experts and do everything he can to move through this, no matter how painful it may be in the short-term. His foot hurts less when he elevates it, but he chooses to lower it, endure the pain and move around every hour or so, because it’ll help his recovery further down the track if there’s more blood flow to the area.

Similarly, someone enduring the pain of financial insecurity, (which I can personally attest to being a definite mental pain), can choose to also take the long-term view. When you keep the thought and belief that this will not last forever if I make some changes firmly in the forefront of your mind, it makes it easier to make the decisions and sacrifices you need to get out of the hole easier and more likely to be made.

The “mental gymnastics” that Ryan24 alluded to are very much a gamer thing, but anyone can harness them. He’s giving himself challenges to distract himself, such as single-handedly moving his desktop computer box from his room to the man cave, so he could use his computer with the tv as a screen and be able to elevate his foot on the ottoman, as pictured. He’s wrapped all his Christmas presents, sitting on the floor so his foot is on the same level as the rest of him. Yesterday he had the tv playing clip upon clip of some American painter teaching people how to paint landscapes. He wasn’t watching it, but when I asked why he had it on he replied, “Because his voice is so calming.”

Take a listen. His voice is so soothing it could put a raging toddler to sleep!

Just like Ryan24, someone working their way out of a financial problem can use distractions and challenges to help them along the way. When I was spending all those years raising 4 children on my own and doggedly digging my way out from under the mortgage, I used to do things like see how many days I could stay out of the supermarket, using things I already had in the pantry and fridge to feed us. If you stay out of the shops you can’t be tempted to buy extra things you don’t need, right?

When I got a 9 month contract at my school, I bought a new-to-us car and vowed I’d pay off the 20K loan by the end of the contract, just in case I was out of work after it ran out. It was a stretch, but I did it. I felt like I was super victorious every time I could scrape together an extra few dollars each fortnight to throw at the debt. Meeting challenges makes you feel good. If you feel good you’ll keep on until you hit that goal. I used this tactic a LOT to keep me on the track to providing security for my boys.

That Bob Ross ploy by Ryan24 to distract himself? Costs him nothing. Yet it provides a partial solution to his problem of being overwhelmed by strong emotions when the pain hits. No one wants a panic attack! For the rest of us, there are distractions all around that we can use to take our minds off what we’re being “deprived” of as we work our way out of financial insecurity towards financial independence.

Entertainment and fun doesn’t have to cost the earth. What I found useful was to rejig some activities to enable me to still have fun but not sabotage my over-arching financial goals. For instance, when I was undergoing my 18-month stint of paying for bridging finance on my current house at 74% of my take-home pay, I had to cut my expenses to nothing. I didn’t go out very often, but I took out an $18/month Netflix subscription as my entertainment. Worked a treat! When I wanted to see the girls, I invited them to a potluck at my place instead of us meeting at a restaurant. This has become a regular thing each holidays.

Another “mental gymnastic” that I’m pretty sure Ryan24 is doing is to see how long he can stretch out the time before he takes more pain killers. This is an easily do-able tactic for the financially challenged person. How long can you go before you buy that item you really want? Can you stretch out the use of whatever-it-is before replacing it? Can you keep going for another day/week/month at that side-hustle before you pack it in? How long can you go??

Any of these challenges to stretch things out is bound to keep more money in your pocket that you can throw at your situation to make progress. If your financial goal is to put together some savings in the bank, seeing that account total rise steadily and adding to it becomes a game. It becomes addictive, almost. Seeing that debt total fall, at first slowly, then faster and faster as the amount gets smaller and the principal being paid off gets bigger is exciting. You start to LOOK for ways to avoid spending so you can see that total fall even faster. It’s fun.

Now, I’m in no way advocating that the best way to develop grit is to spill boiling hot coffee on your foot. Ryan24 assures me very eloquently that it isn’t much fun. But there are traits that we all develop from areas far outside the financial sphere that we can harness and use to work towards our goals of financial security and freedom.

Maybe a slight gaming addiction is working out to be a good thing after all?

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