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Would You Pay $25 a Pound for Vegetables?

July 1, 2016 By MelissaB 3 Comments

My husband and I have been trying to garden for a year now.  I say trying because we recently relocated to Tucson, Arizona, and gardening here has a STEEP learning curve.  However, it’s something we both enjoy, so we’ve kept at it, and we’re finally starting to see some rewards. Due to our gardening failures while learning to garden in a new climate, we’re currently paying about $25 a pound for vegetables, but I’m okay with that because I know this hobby will likely pay for itself eventually.

Those Gardening Expenses

Vegetables for $25 a pound?
$25 a pound for Vegetables?

Starting our garden has not been cheap.  We had to create three garden beds, which included the dirt, the pavers for the sides (they’re slightly raised garden beds), and the soil amendment.

We planted in October when the temperatures finally dropped into the 80s, but we planted the wrong vegetables for the season, and we planted in a shady spot when we should have planted in full sun.

All we ended up with last winter was one kale, one Swiss chard, and two lettuce plants.

In the spring, we planted tomatoes that were just starting to blossom when the summer hit with 100+ degree days and scorching sun.  We covered the tomato plants with a homemade sun shade, but we only got 6 cherry tomatoes.  All summer long they didn’t even flower.

Next, we amended the soil further and planted watermelon and cantaloupe starts.  Every time a baby watermelon developed, one of the many birds in our yard ate it.  This continued until September when the birds finally went away.  Since then, we’ve gotten 4 watermelons.

Now, it’s fall, and we are finally getting some produce.  We have baby bok choy that are growing strong, 4 Swiss chard plants, and 8 green pepper plants that have more than 20 peppers on them in various states of growth.

Hopefully our costs will drop or moderate as we learn more about how to garden in the desert.  However, so far, we’ve easily spent $200 for the few veggies we’ve been able to harvest.

Sticking It Out Through the Learning Curve

For someone like me who doesn’t like to spend money frivolously, these gardening expenses bother me.  But there are two reasons we keep trying to garden:

My husband really enjoys it.  I think my husband has discovered his inner farmer.  He loves spending weekends outdoors, puttering in the garden.  Every evening, he comes home from work and waters and takes care of the garden.  It’s a great hobby for him.

The costs should equalize–eventually.  As we learn more about gardening here, we should be able to produce more vegetables.  We won’t have to create the raised beds again.  Our only expenses going forward will be soil amendment each season (so necessary with our desert soil), seeds, and water.  The longer we garden, the lower our costs should be.

Even though it doesn’t feel like it now, gardening will eventually be a hobby that at least costs us only a small amount out of pocket or that pays for itself.

Do you garden?  How steep was your learning curve?  Do you find that the garden pays for itself eventually?

 

MelissaB
MelissaB

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in New York, where she loves the natural beauty of the area.

www.momsplans.com/

Filed Under: Frugality, Home, Saving, ShareMe Tagged With: garden, gardening, vegetables

To Grow Wealthy, Stay Where You Are

May 27, 2016 By MelissaB 1 Comment

When I was little, I devoured the Little House on the Prairie series. I felt bad then for Ma and Pa. I felt bad for the way they struggled financially, facing setback after setback. I felt bad that they always had to move just as soon as they were settled.

But then I read the books again as an adult. Then I read them one more time to my daughters. Now I realize, as much as Pa was a loving father, he was responsible for a lot of his family’s financial hardships.

Life in Wisconsin was good for them. But once Pa got the itch to go west, his family never had a stable environment. They never got more than a few years into getting settled and making a life for themselves before they moved again.

Does Moving Now Cause the Same Financial Difficulties?

Grow Wealthy
Grow Wealthy by Staying Put?

Most people would argue that life was different then, and moving around now doesn’t cause as much financial hardship, but as someone who recently completed a 2,000-mile move, I would disagree.

My husband and I had lived in Chicago for 14 years before we made the move last July to Tucson, Arizona. We went for my husband’s work and because the move would give us a lower cost of living and a pay raise for my husband. On paper, everything looked good.

We foolishly thought we’d stay for two to four years. Now, I’m not sure we should move so soon if we want to prosper financially.

Even though my husband’s employer paid for the move, we still had many expenses like setting up the utilities and paying deposits on them, buying a few new pieces of furniture, etc.

Breaking Even and Getting Ahead Takes Years

We bought a house when we moved here, knowing that we weren’t sure how long we’d stay. We’ve had our mortgage for 15 months now, and in that time, we’ve paid down $4,300 on principal. Our home has increased just $1,100 in value during that time. That gives us a cushion of about $5,400, but I’m guessing if we were to sell our house next year (which would be two years that we’ve lived here), we’d be losing money thanks to realtor fees.

We’ve also just reached the point where we’ve started to discover ways to save money in our new city. Now I know where the cheapest places are to buy groceries, secondhand clothes, etc. Our first few months here we spent much more than we normally do on groceries because I didn’t know which stores offered the best deals.

We also have finally found decent doctors and dentists. Our first few months here, we found out my daughter need 6(!) cavities filled. We had to go to four different dentists before we found one that we liked and could trust. All of those different visits cost us a little less than $200 out of pocket, and that was before her cavities were even filled.

Of course, I’m not saying never to move. In our case, the decrease in cost of living and my husband’s raise made it possible for us to own a house, which we couldn’t afford to do during our 14 years living in Chicago. However, the whole story isn’t just on paper.  When you move, there are many incidentals that add up. Moving repeatedly can cause you to struggle financially.

It’s no surprise to me that the only time in life when Pa and Ma flourished financially was after Ma put her foot down and refused to move from DeSmet, North Dakota. Without the constant moves, they could finally get established and become comfortable financially.

How often do you move? Do you agree that frequent moves are detrimental to your finances?

MelissaB
MelissaB

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in New York, where she loves the natural beauty of the area.

www.momsplans.com/

Filed Under: Frugality, Home, Married Money, Saving, ShareMe Tagged With: Frugality, Home, married money, moving, Saving, wealth

Frugal Tools and Strategies to Help Busy Families Get Organized

March 14, 2016 By MelissaB 1 Comment

If you’re like most families, you’re busy.  You spend too much time in your car running from activity to activity, and you spend too much money buying food out on the nights you don’t have time to cook.  Your house may be in a state of perpetual chaos.

This upcoming year, especially February through May, my family will be very busy.  To make sure that we remain organized, I’ve started using several tools and strategies.  Even though we’ll be busy, I plan to still have time to make food at home, keep the house clean, and maintain my budget.

Tools I Plan To Use

tools and strategies
Be Organized!

Motivated Moms.  Motivated Moms is an app or PDF file of a list of weekly chores meant to keep your home tidy.  I love that they think of tasks I always forget like clip the kids’ fingernails and clean the toaster in addition to more basic chores like vacuum the livingroom, etc.

I bought the entire year PDF for $6.  The chores for each day will be assigned to me and my kids based on level of difficulty.  Between the four of us, I’m sure we can knock out the chores for each day in 20 minutes or less working together.

Subscribe to eMeals.  For busy families, eMeals can literally save you hundreds of dollars.  For just $69 for a 12 month subscription, which averages $5.75 a month, you’ll get a custom meal plan for the week as well as a grocery list for all of the items you’ll need.  eMeals has 20 different meal plans to choose from including Paula Deen, slow cooker, Paleo, and many others.  Just choose the one that works best for your family.  Best of all, most meals are never repeated, so you get variety all year long!

Strategies I Plan to Use

In addition to the tools mentioned above, I plan to implement a few strategies to stay organized.

Get up early.  I really don’t like getting up early, but doing so let’s me get some of my freelance work done and also gives me time to exercise.  If I exercise early in the morning, I know it will get done.  If I wait until the evening, I almost never exercise.

Make freezer meals.  In the upcoming months, we’ll have three days a week where we will be gone all day, only coming home in time for dinner.  I’ve already started making freezer meals.  On the three busy days a week, I’ll simply put the freezer meals in the slow cooker.  We’ll come home to a hot cooked meal, eliminating the dinner scramble.  On the other days, I’ll use eMeals’ meal suggestions.

If you don’t have a full day to devote to a freezer cooking session, just double the meals you are making for the next two weeks or so and put one half in the freezer.

Make a schedule and stick to it.  I plan to make a schedule I can stick to and follow it.  That will help me manage my time.  For instance, I do one load of laundry a day; I’ll start it when I get up at 5 a.m. so it’s done before the day gets too busy.

Keep a regular sleep schedule.  When people get busy, they tend to skimp on sleep.  I plan on going to bed no later than 10 p.m. so I’ll be able to get up at 5 a.m.  I know skimping on sleep will ultimately make me less productive as the days go on.

Do you have a busy schedule?  If so, what tools and strategies do you use to stay organized and resist the temptation to spend money on conveniences?

MelissaB
MelissaB

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in New York, where she loves the natural beauty of the area.

www.momsplans.com/

Filed Under: Frugality, Saving, ShareMe Tagged With: family, organization

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