Un-Frugal Cloth Diapering Pitfalls to Avoid

Un-Frugal Cloth Diapering Pitfalls to Avoid

I thought cloth diapering was an inherently frugal activity, but my eyes have been opened. For some people, cloth diapering might be even more expensive than disposable diapering! But if you avoid just a few pitfalls, cloth diapering will remain a frugal strategy.   The cost of disposable diapers are pretty much all up front: the retail cost of the diapers. Frugality in disposable diapering is all about finding the least expensive diapers that work for your … Read entire article »

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W-4 Calculations Don’t Have to Be a Black Box

June 12th, 2017 | 5 Comments

W-4 Calculations Don’t Have to Be a Black Box

I admit I’ve been a quite confused by W-4 forms for a few years now. In the perennial debate over whether it’s better to get a tax refund or pay additional tax on April 15, my preference is to the smallest refund or owe the smallest amount possible. In the past several years, we’ve done pretty well hitting that nail … Read entire article »

May 2017 Budget Report

June 2nd, 2017 | 2 Comments

May 2017 Budget Report

If April was defined by our travels, May was defined by our houseguests. Several members of my family came to visit us on two occasions, which really seemed to take over our month. It was wonderful to have them around, though, and they had a ton of fun with DPR. We did end up overspending on groceries because we provided … Read entire article »

Lifestyle Inflation: Ubering to the Airport

May 15th, 2017 | 9 Comments

Lifestyle Inflation: Ubering to the Airport

I realized last month that Uber has become my default mode of transit to and from the airport – to the point that it doesn’t even cross my mind that there are other possibilities! Confession: We spent $175.64 getting to and from the airport last month (4 rides), which is as much as we spent on one plane ticket! I … Read entire article »

April 2017 Budget Report

May 5th, 2017 | 4 Comments

April 2017 Budget Report

April was a very busy month for us! I gave six talks this month on two trips, one day trip and one multi-day trip to the East Coast. We also traveled to California on two subsequent weekends. Thankfully DPR took all that upheaval pretty well, though it wiped me out.   We filed our tax return on April 15 after preparing it … Read entire article »

Why We Are Forgoing a 529 (for Now)

April 17th, 2017 | 13 Comments

Why We Are Forgoing a 529 (for Now)

In 2016, we had a baby, DPR. We expect that DPR will go to college one day, largely because we are over-educated and we expect her to follow in our footsteps to some extent. We want to contribute some money to said college education, although not necessarily pay for all of it. Our parents paid for most of our college … Read entire article »

March 2017 Budget Report

April 7th, 2017 | 8 Comments

March 2017 Budget Report

This was a pretty bad month for us in terms of large, unexpected expenses popping up that didn’t fit into our targeted savings accounts. Our ‘Miscellaneous’ spending category was completely overwhelmed. We also incredibly overspent one of our variable expense categories. Even our targeted savings accounts didn’t fare well; one of them is now negative! But thankfully we have our … Read entire article »

Targeted Savings for the Non-Broke

March 20th, 2017 | 6 Comments

Targeted Savings for the Non-Broke

As of January, we have resumed our use of targeted savings accounts! I missed this system so in the last 2.5 years when our life has been in flux: becoming funemployed, living apart, moving to Seattle, and having a baby. But said baby is over six months old now and things are much more predictable, so we’re back to using … Read entire article »

Incorporating New Frugal Strategies

March 6th, 2017 | 9 Comments

Incorporating New Frugal Strategies

In February we incorporated two new frugal strategies into our wheelhouse of natural frugality in Seattle. Even though we’re earning more than we ever have before (hello 25% tax bracket!), we haven’t outgrown the frugality we practiced during grad school. Having a baby threw things off for a little while, but we’re getting back on track.       A New Type of Grocer   We … Read entire article »

February 2017 Budget Report

March 3rd, 2017 | 4 Comments

February 2017 Budget Report

Our February was very quiet spending-wise. We had a nice victory in coming in under budget for groceries, which has been a struggle for a couple years now. We’re not really going out at all these days, but we did invite friends over to our place and go over to some friends’ houses this month. The costs for those gatherings … Read entire article »