home life, money

Finding Your Focus

The tagline of the blog states my family’s mission, if you will: to go green, save green, and minimalize. I’m going to be breaking this down a lot because I feel like it’s a pretty loaded statement; there are a lot of goals there, and a lot of ways to meet those goals. Going green can be pretty easy if you can shell out money for the best organic, recyclable products. Saving green could be easiest if you buy cheap products that are full of chemicals and shrouded in plastic. Minimalizing could be easier if you just trash all the things you don’t need anymore.

But part of our goal is to accomplish these three things without sacrificing the others. Due to tax season, money has been on my mind, so that’s what I want to focus on first.

Studies have shown that most Americans don’t have $1,000 in savings, and we are lucky to have more than that. We have enough to cover a major unexpected expense, or if everything goes along smoothly (knock on wood), enough to cover over a year of our typical bills and expenses. We should have more saved, according to some reports, but I feel comfortable with where we are right now.

Even so, with money on my mind, it’s not the most important thing in our lives. We have been making changes lately, some which benefit our bank accounts, and some not so much:

  1. I am working from home. This meant a huge slash in our monthly income, but also greatly improves our family dynamics. Quitting my job was a tough choice for me, because I accepted it thinking it was my “career”, the one thing I could do until retirement. The truth was, it wasn’t all I thought it would be, but I was determined to stick it out. The paycheck, benefits, and time off made it worth it on paper. In reality, it affected my mood, and gave me near-constant anxiety attacks. I didn’t have the time, energy, or desire to do anything at home – chores or fun. We finally realized that if I quit and worked from home, a lot of other things could change for the better.
  2. My son goes to a closer, cheaper daycare, part-time. Since I am working from home in a field I’m experienced in, I knew I could set my own hours and get enough work during that time to help offset our lost income. There was a certain preschool I wanted my son to attend since before he was old enough, but the hours weren’t long enough once I got a full-time job. Now that my time is flexible, I knew I wanted him to go to this school. After the initial enrollment fee, the monthly cost saves us over $200 a month compared to where he went before. Also, I get to spend two additional days a week with him, so it’s win-win!
  3. We use less gas. This is another win-win: spend less money, make less pollution. My son’s school is less than 3 miles from our house, while his old school was 12 miles away. It used to take us 20 minutes to get to his school – and that’s with good traffic on the highway! Now it takes me less than 20 minutes round-trip on surface roads. Less time in the car, less gas used, fewer fill-ups at the pump, less money spent on gas, and more time I can work from home, because I don’t have to cut half an hour out of my work time to go pick him up.
  4. I do more at home. I don’t mind household tasks, with the exception of vacuuming/sweeping and putting away leftovers (both of those are my husband’s jobs). I like washing dishes. I like cleaning the bathroom and kitchen, and tidying the rest of the house. I have the time and energy and desire to do all of this, so it’s not on my husband and me to try and find time to do these jobs after work or on the weekend. Having a clean, attractive house is important to me, and makes me feel so much better. While I place a lot of my anxiety issues on my old job, I admit that some of that unhappiness came from living in a pigpen.
  5. I cook dinners. I love cooking, and even when I lived alone I enjoyed cooking really nice dinners for myself. Working a stressful job more than full-time meant I would get home late, have no energy to cook, and would prepare just about anything. My husband cooks too, so it wasn’t like we went hungry, but the kids ate a lot of frozen food, and we ate out a lot more because that’s such an easy choice to make, and so easy to pick up on your way home. Now I enjoy cooking dinner several nights a week, and we sit down to dinner together before 8pm, and the whole mood in the house just seems better.
  6. I plan dinners. My husband used to do the grocery shopping because I hate grocery shopping, and didn’t want to give up my meager spare time to go to the store. My husband would stop by the store every other day, picking up something for that night’s dinner, or spending our entire grocery budget on stuff that wouldn’t make many complete meals. Now that I have more time at home, I go to the store with a two week meal plan in mind. I buy pretty much everything we need in one trip, and know that we will use it within the two week period. Our grocery bill is under control, and we’re eating good stuff for dinners.

More changes will come as the seasons change, since we have a clothesline in the backyard and are planning our first garden. I’ll update about that as it happens. I also realize that what I’ve laid out here doesn’t work for everyone, and I’m not presenting it as a solution. Not everyone can work from home, or send their kid to a part-time preschool. I’ll delve more into that in later posts, while explaining why it worked so well for us.

That being said, with all the worrying we do about money, it’s not always the most important thing. So we might be “saving green” as our mission states, but we have also lost a lot of green in terms of my previous job’s salary. The question is, is it worth it? For us, yes. We are focused on saving money, but in a way that best benefits our family. Having a huge nest egg isn’t worth anything to us if we don’t have a rich home life.

What is your family’s current focus?

1 thought on “Finding Your Focus”

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s