A Seaside Trip And Different September 2022 Bills


Kidwoods loving that boogey board life

Final month we took the children on their very first trip! To the seashore! We didn’t journey throughout Covid and, pre-Covid, the one journeys they went on had been to go to household (which can also be a trip, however what I imply). Our pricey buddies have a household seashore home on the New Jersey shore in Mantoloking and we drove down with them for a five-day, four-night keep. It was superb. Magical. Good.

Are We There But?

We had been kinda nervous about how the children would do on their first ever 7+ hour drive, however it was a non-issue! I had them every pack a little bit automobile backpack for themselves and I secretly packed a duffle bag of different toys and actions, which I meted out throughout our potty/meals stops. To not point out SNACKS. We broke our no-eating-in-the-car rule for the journey, which was a stellar transfer. Littlewoods should’ve devoured 19 granola bars on every leg of the journey and I really feel zero guilt about that. Moreover, we made the choice to eat lunch at eating places on the street to present the children one thing to look ahead to and an opportunity to be out of the automobile for an prolonged interval. On the return drive we had a picnic at a playground, which was the right mid-drive respite. All in all, they dealt with the lengthy drives with aplomb!

The Seaside

We determined to not eat out whereas on the seashore and as a substitute, our two households took turns cooking dinner. This labored out marvelously! We purchased groceries after we obtained there, which made it a lot simpler since we didn’t need to pack a cooler for the drive up. Being late September, the climate was a tad chilly however all of us nonetheless made it into the ocean. We almost had the seashore to ourselves and the children spent hours operating up and down the sand accumulating shells, chasing seagulls and combating about whose flip it was to fly the one kite my pal introduced. Observe to self: convey extra kites subsequent time!

When not on the seashore, we performed board video games, learn books, went to a playground, did yoga, accomplished* a really memorable all-family circuit coaching train program and drank gin & tonics. I’m not exaggerating after I say it was probably the most enjoyable, most good, most idyllic household trip. Plus, because the ladies had our buddies’ son to play with, they stunning a lot took care of themselves (I imply, kind of, let’s not go overboard right here… ). Nevertheless it was nice for them to have one other kiddo to boss round play with.

We really feel tremendously fortunate that this was additionally a really low cost trip since our buddies’ household owns the seashore home and didn’t cost us something to remain there. Our bills had been: gasoline, eating places whereas driving, groceries, beer & wine. Like I mentioned: perfection.

*”accomplished” could be a robust phrase as all the children bailed earlier than the ultimate reps.

Ski Preparation!

Littlewoods within the waves

Our different main expense final month was ski season preparation! We’ve determined to ski as a household once more this winter, so that you’ll see bills for:

  • Rental skis & boots for Kidwoods (we have now a hand-me-down set for Littlewoods that matches her once more this season)
  • Season passes for the entire household to our native ski mountain (Littlewoods will get in free as she’s age 5 & below)
  • Ski classes for Littlewoods (Kidwoods is taking a special ski lesson program this yr and the sign-up wasn’t till October, in order that value’ll present up subsequent month)
  • ….and skis & boots for Mr. FW and me!

We rented skis and boots final yr to see if we wished to stay with the game and we do! Because it’s unattainable to get a very good, snug slot in leases, we determined to purchase skis this yr. I do know that quite a lot of people discover nice offers on used skis and boots, however since this was our first time buying them, we made the aware alternative to purchase new as a result of:

  • We wanted an professional to information us to boots that match our toes and skis which can be applicable for our degree/type/terrain of snowboarding.
  • We didn’t wish to incur any potential security dangers with getting older/used tools.
  • Our hope is that these boots and skis will final us for a few years!

We went to an area ski store’s Labor Day weekend sale and obtained a fantastic deal. We confirmed up proper after they opened on the primary day of the sale (Friday), which meant there was a salesman accessible to assist us and alllll the stock nonetheless in inventory. By the point we had been trying out (at round 10:30am) the shop was packed. I’m glad we obtained there early and took our time attempting on plenty of completely different boots. Now all we want is snow!!!

Plumbing

Present state of the load-bearing wall

The opposite much less thrilling, however very expensive, September line merchandise was for plumbing work. As it’s possible you’ll recall, we’re doing a collection of renovations to our residence and considered one of them entails eradicating a load-bearing wall that has plumbing operating by it. In different phrases, absolutely the most tough wall in our complete home to take away. However we’re persevering! This wall reduce our kitchen off from the principle front room, which was bizarre and one thing we’ve at all times hated.

Whereas Mr. FW is snug doing fundamental plumbing work, this was a doozy and he correctly elected to rent an professional. And we’re so glad we did! It took the plumber and his assistant three full days to finish the work and it’s a murals. Thrilled to have this factor of the venture accomplished. Operation take away the toughest wall to take away strikes forward!!!

Can I Speak To You?

Sure! Final month I launched Personal Reader Case Research, that are a chance for folk to rent me for a full monetary session. I’m additionally now providing hourlong video calls. You may:

  1. Rent me for a non-public monetary session right here.
  2. Schedule an hourlong name with me right here.

To study extra about non-public one-on-one consultations, verify this out.

I Love the Free Cash Monitoring Instruments from Private Capital!

I take advantage of a free on-line service referred to as Private Capital to arrange our cash. It tracks our spending, internet value, investments, retirement, all the things.

Earlier than: bizarre arched wall separating the dwelling area

Realizing the place your cash’s at is among the best methods to get a deal with in your funds. You can’t make knowledgeable choices about your cash when you don’t know the way you’re spending it or how a lot you’ve got. When you’d prefer to know extra about how Private Capital works, take a look at my full write-up.

And not using a holistic image of your funds, there’s no option to set financial savings, debt compensation or funding targets. It’s a should, people. Private Capital (which is free) is a good way for me to systematize our monetary overviews because it hyperlinks all of our accounts collectively and supplies a complete image of our internet value.

When you don’t have a strong concept of the place your cash’s at–or the way you’re spending it–think about attempting Private Capital (notice: the Private Capital hyperlinks are affiliate hyperlinks). 

Credit Playing cards: How We Purchase The whole lot

We purchase all the things we are able to with bank cards as a result of:

  1. It’s simpler to trace bills. No guesswork over the place a random $20 invoice went; all of it exhibits up in our month-to-month expense report from Private Capital. I additionally spend much less cash as a result of I KNOW I’m going to see each expense listed on the finish of the month.

  2. We get rewards. Bank card rewards are a easy option to get one thing for nothing. Via the playing cards we use, we get money again in addition to resort and airline factors for getting stuff we had been going to purchase anyway.
  3. We construct our credit score. Since we don’t have any debt, having a number of bank cards open for a few years helps our credit score scores. It’s a grimy fable that carrying a stability in your bank card helps your credit score rating–IT DOES NOT. Paying your playing cards off IN FULL each month and holding them open for a few years does assist your rating.

Convey down this wall, Mr. Frugalwoods!

For extra on my bank card technique, take a look at:

Money Again Playing cards to Contemplate

When you’re now cash-back curious, there are a variety of playing cards in the marketplace providing fairly good money again percentages. Listed here are a number of I feel are a very good deal:

1) Blue Money Most popular® Card from American Categorical:

  • 6% money again at U.S. supermarkets on as much as $6,000 per yr in purchases (then 1%).
  • 6% money again on choose U.S. streaming subscriptions.
  • 3% money again at U.S. gasoline stations and on transit (together with taxis/rideshare, parking, tolls, trains, buses and extra).
  • 1% money again on different purchases.
  • Earn a $350 assertion credit score after you spend $3,000 in purchases in your new card throughout the first 6 months.
  • $95 annual charge. Charges and costs particulars right here.
  • Phrases apply

2) Blue Money On a regular basis® Card from American Categorical:

  • 3% money again at U.S. supermarkets (on as much as $6,000 per yr in purchases, then 1%).
  • 3% Money Again at U.S. gasoline stations, on as much as $6,000 per yr, then 1%.
  • 1% money again on different purchases.
  • Earn a $200 assertion credit score after you spend $2,000 in purchases in your new card throughout the first 6 months.
  • No annual charge. Charges and costs particulars right here.
  • Phrases apply.

3) Capital One Quicksilver Money Rewards Credit score Card:

  • 1.5% money again on each buy, every single day.
  • $200 money bonus after you spend $500 on purchases inside 3 months from account opening.
  • No annual charge.

4) Capital One SavorOne Money Rewards Credit score Card:

  • Limitless 3% money again on eating, leisure, well-liked streaming providers and at grocery shops (excluding superstores like Walmart and Goal).
  • 1% again on all different purchases.
  • 8% money again on tickets at Vivid Seats by January 2023.
  • $200 money bonus after you spend $500 on purchases throughout the first 3 months from account opening.
  • No annual charge.

5) Chase Freedom Limitless®:

  • Present state of wall

    Earn an additional 1.5% on all the things you purchase (on as much as $20,000 spent within the first yr), which is value as much as $300 money again:

    • 6.5% on journey bought by Chase Final Rewards
    • 4.5% on eating and drugstores
    • 3% on all different purchases.
  • After your first yr (or $20,000 spent), you earn:
    • 5% money again on Chase journey bought by Chase Final Rewards
    • 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
    • Limitless 1.5% money again on all different purchases.
  • No annual charge.

6) Chase Freedom Flex℠:

  • 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate.
  • New 5% classes every quarter.
  • 5% money again on journey bought by Chase Final Rewards
  • 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
  • Limitless 1% money again on all different purchases.
  • $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
  • No annual charge.

When you’re interested by journey rewards, folks love the Chase Sapphire Most popular Card®. You may earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening, which is $750 if you redeem by Chase Final Rewards.

Big caveat to bank card utilization: you MUST pay your bank card payments in full each single month, with no exceptions. When you’re involved about your skill to do that, or suppose utilizing bank cards may immediate you to spend extra, keep on with a debit card or money. However when you have no downside paying that invoice in full each month? I like to recommend you bank card away, my pal! (notice: the bank card hyperlinks are affiliate hyperlinks).

Money Again Earned This Month: $117.08

The silver lining to our spending is our money again bank card. We earn 2% money again on each buy made with our Constancy Rewards Visa and, this month, we spent $5,853.98 on that card, which netted us $117.08.

Not some huge cash, however it’s cash we earned for getting stuff we had been going to purchase anyway! For this reason I like money again bank card rewards–they’re the best option to earn one thing for nothing.

To see how this provides up over the course of a yr, take a look at How I Made $712.59 With My Money Again Credit score Card.

The place’s Your Cash?

One other straightforward option to optimize your cash is with a high-interest financial savings account. With these accounts, curiosity works in your favor versus the rates of interest on debt, which work in opposition to you.

The place the plumbing is now: the ceiling!

Having cash in a no or low curiosity financial savings account is a waste of sources–your cash is sitting there doing nothing. Don’t let your cash be lazy! Make it give you the results you want! And now, take pleasure in some explanatory math:

Let’s say you’ve got $5,000 in a financial savings account that earns 0% curiosity. In a yr’s time, your $5,000 will nonetheless be… $5,000.

Let’s say you as a substitute put that $5,000 into an American Categorical Private Financial savings account, which–as of this writing–earns 2.15% in curiosity (affiliate hyperlink). In a single yr, your $5,000 could have elevated to $5,108. Which means you earned $108 simply by having your cash in a high-interest account.

And also you didn’t need to do something! I’m a giant fan of incomes cash whereas doing nothing. Is anyone not a fan of that? Apparently so, as a result of anybody who makes use of a low or no curiosity financial savings account is NOT being profitable whereas doing nothing. Don’t be that individual. Be the one who earns cash whereas sleeping.

Sure, We Solely Paid $28.43 for Cell Cellphone Service (for 2 telephones)

Our cellular phone service line merchandise shouldn’t be a typ0 (though that actually is). We actually and actually solely paid $28.43 for each of our telephones (that’s $14.22 per individual for these of you into division). How is such trickery doable?!? We use an MVNO!

What’s an MVNO?

Glad you requested as a result of I used to be going to inform you anyway: It’s a cellular phone service re-seller.

MVNOs are the TJ Maxx of the cellular phone service world–the identical service, A LOT cheaper. When you’re not utilizing an MVNO, switching to at least one is a simple, slam-dunk, do-it-right-away method to save cash each single month of each single yr without end and ever amen.

Listed here are a two MVNOs to think about:

For extra, I’ve a full chart of suppliers and their costs right here: Methods to Save Cash on Your Cell Cellphone Invoice with an MVNO: I Pay $12 a Month*

*the quantity we pay fluctuates each month as a result of it’s calibrated on what we use. Think about that! We solely pay for what we use! Will wonders ever stop. These MVNO hyperlinks are affiliate hyperlinks.

Expense Report FAQs

However Mrs. Frugalwoods, Don’t You Pay For X, Y, Or Even Z???

Questioning about widespread bills you don’t see listed under?

When you’re questioning about anything, be at liberty to ask within the feedback part!

Alright you frugal cash voyeurs, feast your eyes on each greenback we spent in September:

Merchandise Quantity Notes
Plumbing $3,153.93 As mentioned above!
Skis for Mr. & Mrs. FW $1,649.38 Skis, boots and poles for each of us plus a pair of mittens for Mr. FW and goggles for Littlewoods.
Ski classes & season passes $1,382.00 Passes x3 and classes for Littlewoods
Groceries $636.70
Preschool for end-of-August and September $580.00
Seaside Journey $527.85 Contains all trip bills: gasoline, groceries, eating places, beer and wine.
Exploratory excavation work for future storage $375.00 We employed our neighbor + his excavator to come back over and dig some exploratory holes to find out the ultimate siting for our future storage.

Because of this–and our superior architect–we’ve finalized the format, design and placement of the storage. Development to begin within the spring! Fingers crossed!

Eating places $324.93 Dates + meals w/the children
Money withdrawal $200.00 For yard gross sales!
Fuel for automobiles $191.02
Oil Change Tire Rotation $153.20 We took the brand new Subaru into the dealership for her first 6k mile oil change and tire rotation. We usually go to our native mechanic, however opted for the vendor for this primary one.
Family Provides $100.96 Deeply thrilling objects, akin to: rest room paper, nutritional vitamins, laundry detergent, faculty provides, toothpaste, and so on.
Ski rental for Kidwoods $99.00 Season-long ski & boot rental for Kidwoods, together with free size-up if wanted.
Utilities: Web $72.00
Beer and wine $65.06
Well being Insurance coverage $52.43
CO2 for Seltzer $41.76 A C02 reload for our hacked Sodastream system
Utilities: Electrical energy $34.34 We now have photo voltaic (which I element right here); that is our month-to-month base value for remaining grid tied
Cellphone service for two telephones $28.43 Thanks, low cost MVNO!
Espresso Retailers $26.36 Dates with my husband!
Flip Flops $2.99 Mr. FW wanted a pair for our seashore journey. I’ll inform you that it’s very tough to seek out flip flops low season. Lastly discovered a pair on the Previous Navy clearance rack!
TOTAL: $9,697.34

How was your September?

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