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Is a Side Hustle Worth the Family Sacrifice?

June 20, 2022 By MelissaB 1 Comment

Side Hustle Worth the Family Sacrifice

When our kids were young, my husband and I struggled financially. My husband was getting his Ph.D. and worked as a graduate assistant. I had just quit my full-time job because the cost of daycare in Chicago for two kids under two plus after-school care for our oldest would cost me as much as I was taking home each week. We survived for three years like this until my husband graduated and started working a regular job and a side hustle. I also worked a part-time job from home. Now that we’re 10 years removed from that situation, we recently discussed if a side hustle is worth the family sacrifice.

Some Times You Have No Choice

I want to acknowledge that sometimes, you have no choice. Sometimes you have to work as much as you can to cover rent, buy groceries, and care for your family. For my husband and I, the first few years after he graduated were like this. We were in debt because we had lived off his graduate assistantship and student loans those last three years, and we needed side hustles to try to get out of the hole we were in. However, we should have set a limit for how long we would work our side hustles.

Dave Ramsey’s Influence

Fifteen years ago, I loved listening to Dave Ramsey, and I bought into the idea that we should “live like no one else so later we can live like no one else.” I accepted the sacrifice that side hustles required because I was sure that if we worked hard, we’d end up on the other side, able to check off the baby steps.

Is A Side Hustle Worth the Family Sacrifice?

We are now at the point where we’ve completed baby steps 1, 2, and are on baby step 3. However, we’re also at the point where our kids are now 18, 13.5, and 12. We lost a lot of our kids’ lives to side hustles.

Is a side hustle worth the family sacrifice? As a parent with older children, I can answer for us, it was not worth it.

What We Sacrificed for the Side Hustle

Side hustles have a dark side that most people don’t talk about. For us, these were the major drawbacks:

We Were Exhausted

Is a Side Hustle Worth the Family Sacrifice?

After my husband got home from his regular job and side hustle, I would start my work after being with the kids all day. I would often work until midnight and get up at 5 or 6 a.m. That was not enough sleep.

My husband and I were both exhausted all the time.

We Were Grouchy

Because we were working so hard and exhausted, we were also grouchy. Raising young children can be challenging under the best circumstances, but when you’re exhausted and grouchy, it’s not good for anyone.

Final Thoughts

Is a side hustle worth the family sacrifice? For us, the answer was no. Rather than following Dave Ramsey’s advice to hustle until you’re completely out of debt, we should have set a limited time frame for our side hustle. We hustled for far too long, and I’m sorry we missed out on some opportunities to spend enjoyable time with our kids when they were little because of that.

Read More

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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: budget, Children, Debt Reduction, Emergency Fund, Frugality, General Finance, Guru Advice, Married Money, pf books, Saving Tagged With: family, getting out of debt, marriage, side hustle

8 Tips to Stop Food Waste

May 23, 2022 By MelissaB Leave a Comment

Tips to Stop Food Waste

Nearly every month, the cost of groceries seems to rise. What can you do? You need to feed your family, but the current high price of groceries is straining most families’ budgets, especially when combined with the high cost of other necessities such as gas and housing. For most families, the cost of food is the second-highest expense behind housing. (In our family, if I’m not careful, the cost of food is higher than our monthly housing costs.) While you may try to coupon or buy food when it’s at its lowest sale price, another way to save is to utilize these tips to stop food waste.

How Much Food Do Americans Waste?

According to Earth.com, the average American family “waste[s] nearly one third of the food they buy.” However, if they utilized strategies to eliminate food waste, “a family of four could save $2,000.”

If you haven’t made a conscious effort to stop food waste, now is the time.

8 Tips to Stop Food Waste

Years ago, my husband and I wasted quite a bit of food. Every week, we would have anywhere from three to six containers of leftover food that we would have to throw out. We would also sometimes waste fruits and vegetables. Now, we no longer do that; we rarely waste any food.

We used these eight tips to stop wasting food:

Don’t Eat Out Frequently

One reason we wasted so much food years ago was that we ate out three to five times a week. When you eat out that frequently, you don’t have the opportunity to eat the leftovers you already have or the ingredients you bought to make meals.

Not eating out dramatically reduced our food waste.

Make Meals You Enjoy

This seems silly to say, but make meals that you enjoy eating. I used to make casseroles because I liked making only one item for a meal that had the protein, carbs, and veggies my family needed. However, none of us liked casseroles, especially not leftover. The leftovers frequently went in the garbage.

Now, I make meals we enjoy, and they’re not wasted.

Freeze the Leftovers

We have two deep freezers, and I utilize them extensively to avoid food waste.

Freeze Leftover Meals

Tips to Reduce Food Waste

Sometimes I make a recipe that is supposed to serve eight, but there are enough servings for 12. We eat the meal once, and then we eat the meal leftover once later in the week.

By then, my family is tired of eating this meal, so if it freezes well, I freeze the last four servings. Then, about six to 12 weeks later, I pull it from the freezer and serve it to my family. They don’t complain because it’s been weeks since we last had that meal. I don’t complain because I get a night off from cooking, and I didn’t have to buy food at the grocery store for that meal that week.

Freeze Leftover Ingredients

You can also eliminate food waste by freezing leftover ingredients. For instance, I only use tomato paste for a beef stew recipe I have. Once I use one tablespoon, I have about two-thirds of the can left. Rather than just tossing it, I put the tomato paste in ice cube containers and freeze it. Each ice cube size of tomato paste is about one tablespoon. Now, the next four times I make beef stew, I don’t have to use a new jar of tomato paste; instead, I use one of my leftover ice cubes of tomato paste. Sure, I am only saving a little, but when I do this for many food items, the savings add up.

Create a New Meal Out of Leftovers

Luckily, my family doesn’t mind eating leftovers. If your family does, you can avoid food waste by making new meals out of the excess.

For instance, let’s save you have a pork roast for a meal and have leftover shredded pork. You could serve it just like you did the first time. Or, you could mix it with barbeque sauce and make pulled pork sandwiches. If you still had leftovers, you could use them later in the week for pork carnitas. Your family probably won’t complain about eating leftovers this way because you’ve made three different meals with the meat.

Don’t Buy More Than You Need

Don’t buy more than you need sounds simple but can be difficult. Rather than planning six meals you’ll make from scratch this week, only buy ingredients for four meals. You can serve leftovers for the other meals or make meals from what you already have on hand.

Buy Frozen Fruits and Vegetables

Tips to Avoid Food Waste

If you routinely have to throw away produce because it goes bad before you can cook it, consider switching from fresh to frozen. Fresh strawberries may go bad within a few days, but frozen strawberries last for months in the freezer.

We usually buy fresh fruits and veggies, but we also have several bags of frozen that we use to supplement our fresh vegetables. Frozen veggies give you more flexibility because you don’t have to use them within a few days.

Have a Pantry Challenge

We’ve all bought ingredients for a recipe, but then something comes up and we can’t make that recipe. Meanwhile, the ingredients sit on our pantry shelves. One way to avoid having miscellaneous items fill your pantry shelves is to have a pantry challenge. For one to four weeks, buy the bare minimum groceries and focus on using up the ingredients that you have on hand.

Not only is this a great way to reduce food waste because you’re using what you already have, but it’s also a good way to save money.

Final Thoughts

If you’re struggling with the high cost of food, use these 8 tips to stop food waste. Learning to not waste food could save your family thousands of dollars a year.

Read More

Feed a Hungry Teenager Without Breaking Your Grocery Budget

How to Feed Your Family on a Low Budget

5 Tips Save on Groceries This Year

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 Tagged With: eating out, food waste, groceries, saving money

Why My Health Became a Priority

May 9, 2022 By MelissaB Leave a Comment

Why My Health Became a Priority

Growing up, my parents were overweight and inactive. I was chubby through most of my childhood and disliked physical activity. When I was in my 20s, I slimmed down and exercised sometimes, but not much. In my 30s, I still exercised occasionally, but not regularly, and my weight crept back up. I knew as I aged I should exercise more, but I just couldn’t find the motivation. That changed when I began to experience heart issues.

Why My Health Became a Priority

Heart problems run in my dad’s family. I always thought I was fine because despite my inactivity and being overweight, my bloodwork always came back normal. Cholesterol was in normal range as was blood sugar. I knew I’d have to get serious one day about my health, but I kept putting it off.

When I started feeling heart palpitations, I went to the doctor. I had a stress test, and the doctor told me I had a heart murmur, arrythmia, and PVCs. His prescription? Walk two miles every day.

Implementing the Doctor’s Advice

When I received this advice from my doctor, I was obese and inactive. I started walking and watching what I ate. At first, I could only walk a half mile a day. But the more I walked and lost weight, the easier it became. Now, a year after that doctor’s appointment, I’ve lost nearly 50 pounds and am walking two to two and a half miles a day. My heart issues have largely subsided, and even better, my fasting blood sugar has dropped nearly 15 points.

Getting Healthy Doesn’t Have to Cost a Lot

For the first few months, I walked outside. However, I spent $350 to buy a treadmill to avoid walking in the Arizona heat. That’s all I have spent on my journey to get healthier.

Why My Health Became a Priority

When I compare that cost to how much I would pay in medical bills and medicines I would need if I didn’t take care of my health, getting healthier is much cheaper.

Benefits of Prioritizing My Health

There are two major benefits to prioritizing my health.

I Feel Better

Now that I’m exercising regularly, I feel much better. I sleep better, and my body feels lighter and stronger. I am able to get more done in a day.

I Avoid Expensive Medical Interventions

I should have exercised regularly years ago. Who knows? Maybe if I had, I would have avoided having any heart issues or at least delayed their onset. But I can’t change the past. Instead, I’m focusing on eating healthy and exercising regularly. Even starting these habits in midlife can affect the quality of my life as I age and help me avoid expensive medical interventions.

Final Thoughts

Many of us are guilty of thinking we’ll start a healthy lifestyle. . .sometime. But I’m here to tell you there is no time like the present. Not only will you feel better, but you’ll save yourself money by avoiding expensive medical interventions and chronic conditions.

Read More

Healthy Foods to Buy When Broke

How to Coupon for Healthy Foods

Save Money and Eat Healthy: Rent an Apple Tree

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: Saving Tagged With: exercise, health, healthy, medical bills

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