Pages
▼
Monday, June 30, 2014
Clean Eating: Fruity and Nutty Breakfast
Thursday, June 26, 2014
Asian Style Cool Dessert: Grass Jelly
Monday, June 23, 2014
Summer Outings
Tuesday, June 17, 2014
Summer Cooking: What's for Dinner?
Monday, June 16, 2014
Our Kind of Weekend
Wednesday, June 11, 2014
Living Within Our Means
We ate out a lot, up to 5 times per week.
We bought whatever we wanted without being in debt (we lived in an apartment back then).
I changed cars quite often (too often indeed, I wish I kept the first car it would be paid off years ago)
We were able to save for a down payment to build our 1st home
We traveled overseas to visit my family every year
When she was about to turn 4, we were thinking it may be a good time to transfer her to a "formal"daycare establishments which would help prepare her for the future school settings/environment. We visited a few places and of course the best one (as far as safety/quality of teachers' education /cleanliness of place/ curriculum designs/better quality of food/teacher and child ratio and etc.) around was the most expensive one around. We came home, did our math and we knew it meant a lot more $$$ but with the same amount of incomes that we bring home. It costs as much as our monthly home mortgage so it is like we pay for two mortgages every month. We could afford it but we had to significantly cut back on other things. We bit the bullet and went with the place we were most confident about.
It has been two tough years I must say but we have seen the positive learning progress the little has as well which makes us feel better for what we have to sacrifice.
We eat out 1 to 2 times a week
I couldn't afford to go visit my family in the past 2 years (will be 3 years next March)
Sephora disqualified me from a V.I.B status because I no longer spend money there...haha.
We mainly depend on miles to travel/vacation
We cut back on cable/home phone and everything we could think of except food/grocery. I believe in nourishing our bodies with good food. That's our main luxury I am willing to splurge.
Our house doesn't have lovely furniture. We haven't bought a single piece of furniture since 2008 (we moved in 2007 and I was pregnant in 2008, we started saving then).
I never knew what it is like to live paycheck to paycheck until these past two years. It was very challenging and stressful in the beginning when you had to significantly change your spending habit you are accustomed to your whole life from one extreme to another. It is difficult but it can be done.
I have learned to think through before buying anything. My house has less clutters. There are many things I realize I don't need to have them and I will be fine without them.
We find alternative ways to have fun for less or sometimes even free instead of spending a lot of money buying stuff out of boredom. The way I look at money/life and joy become totally different.
I can't deny that there were times I saw how other people can afford to travel several times a year and buy the luxuries then I started asking myself why we had to be in this financial situation. I wanted to go out and spend too. Then I realized how blessed we are not having credit card debt.
Living within one's mean is all about strong mindset and focuses on what we have instead of focusing on what we don't have. It only makes you feel depressed thinking about everything you want but can't afford.
In a few months a little one will become a kindergartner and go to a public school. It is a huge $$$ difference in paying for a full time daycare program versus after school care only. I will continue with this living below one's mean concept for as long as we could because i appreciate certain perspectives of it but will be more flexible with money/spending. We are going to have a financial break, say bye to living paycheck to paycheck life and hopefully catching up on saving for stuff we have wanted for years, visiting my family and putting money towards savings again.
{Warning: don't be surprised if this blog temporarily turns into a shopping blog later this year. I have to celebrate our financial freedom before she goes to college in 13 years}
Counting down to the last check to daycare on 8/18/14 with me. Amen!
Tuesday, June 10, 2014
3rd Time is A Charm: Macarons
Recently I came across a deal on Groupon that led us to discover a small but awesome macaron place "Oui Dessert". The establishment appears fairly new. The minute I walked in, I had mixed feelings. No high hope but I was willing to give it a shot, nothing to lose with those deals (except for $11 + some taxes). I picked 8 different flavors + one choc chip cookie + one chocolate covered eclaire with Groupon deal for three of us. OMG, their macarons
totally blew my mind away. Each bite was a heaven sent. Oh gosh, that lavender..hazelnut..strawberry...raspberry...chocolate...pistachio and more. It was that good!! Even my husband who insisted he no longer wanted to try after two attempts and made an assumption that all macarons suck and were ridiculously overpriced mutually agreed that each bite packed a full punch of pleasant flavor and you could tell what flavors they are without having to guess (not like artificial flavoring). If you love macaron and happen to be in Houston, check them out.