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September 2017 Budget Report

September 2017 Budget Report

This month’s spending update is all about our daughter!   In September, I discovered the awesomeness of the community centers in our county. Not only are they providing me with a free gym, but they have excellent facilities for toddlers like DPR. Pretty much anytime she’s awake Monday through Saturday there is a room full of toys for her to play with within a 15-minute drive, plus occasionally they turn the basketball gyms into toddler spaces. DPR … Read entire article »

Filed under: month in review

I’m Working Out for Free at a Community Center Gym

I’m Working Out for Free at a Community Center Gym

  A couple months ago, my PCP “prescribed” me a Whole30 and lifting heavy weights, and I was eager to comply. Kyle and I embarked on our Whole30 in mid-July (and have largely continued since officially completing it), and I started searching for a gym to join. (It didn’t seem feasible to buy the equipment I needed to continue working out at home.)   At first, I thought that I would prefer to work out during the day … Read entire article »

Filed under: frugality

August 2017 Budget Report

August 2017 Budget Report

My big budgetary consideration in August has been which gym to join. We’ve never paid for a gym membership before so it’s a big deal to us! My PCP “prescribed” me to start lifting heavy weights, which for us right now means a gym membership (working out at home is no longer sufficient!). At first, I thought I would work out in the mornings/evenings when Kyle can be home with DPR, but those are my most … Read entire article »

Filed under: month in review

My First Self-Employment Paycheck

My First Self-Employment Paycheck

I have decided to start paying myself every single month. I’m going to get a paycheck! Well, not a paycheck, an auto-transfer from my business account to our personal accounts. But still. Regular money coming in.     Here’s how things have been running so far: I let my business income build up in my business account and sporadically take distributions from it as needed (e.g., when we incur childcare expenses so I can work) or if December … Read entire article »

Filed under: income, self-employment

Why I Still Side Hustle Even though I’m Self-Employed

Why I Still Side Hustle Even though I’m Self-Employed

I’m a solopreneur; I inspire and empower stipend-receiving grad students and postdocs to make the most of their money through speaking engagements at universities, online resources, and (coming soon!) coaching services. This is my passion business that grew out of my own experiences with personal finance while I was in graduate school.   But I also have a side hustle: I’m a contractor for a scientific services company. I accept short assignments that have a fixed amount … Read entire article »

Filed under: income, self-employment, side income

July 2017 Budget Report

July 2017 Budget Report

Holy smokes, we overspent our budget this month! Luckily, we weren’t scheduled to contribute a whole lot to our targeted savings accounts this month, or the damage would have been a lot worse.   1) Our monthly rent increased by $100 and we also decided to go month-to-month to the tune of an extra $50/month. Kyle’s job is slated to move locations in October-ish because they’ve outgrown their current space, but they don’t know yet where to. … Read entire article »

Filed under: month in review

Reflections on The One-Page Financial Plan

Reflections on The One-Page Financial Plan

I recently read The One-Page Financial Plan: A Simple Way to Be Smart about Your Money by Carl Richards (affiliate link – thanks for using!). It’s a quick read (I think it took me approximately 3 hours total) and liberally sprinkled with the delightful sketches that Carl Richards is known for.   The purpose of the book is to walk the reader through a generic version of the financial planning process that one would go through with … Read entire article »

Filed under: books

An Unexpected Benefit of an Almost Non-Existent Commute

An Unexpected Benefit of an Almost Non-Existent Commute

When Kyle and I moved to Seattle, we decided where to live based on proximity to Kyle’s workplace. (I work out of our apartment when I’m not traveling.) Luckily for us, his workplace is adjacent to a residential area, and we secured an apartment just 0.2 miles away. Kyle walks all of three minutes to and from work.   This is awesome for many reasons. 1) We only own one car (instead of two), which stays with … Read entire article »

Filed under: food, frugality

June 2017 Budget Report

June 2017 Budget Report

June struck me as a very simple month for us, financially. Nearly all of our variable spending was on groceries. We only bought gas once. We didn’t eat out at all. We only bought four items from Amazon, which is pretty low these days! We were fairly busy around town attending birthday parties and going to the zoo, but didn’t have to spend major bucks to do so. Over the last six weeks, we finally … Read entire article »

Filed under: month in review

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 »

Filed under: frugality