Living Well While Our Income Fluctuates

   My husband and I have lived most of our married life with a fluctuating income.  There were many years when we homeschooled our sons that we managed on his income alone.  Now that our children are all grown, I am back working as a substitute teacher which means I have the Summers off and that means no income coming from me for 3-4 months out of the year.  My husband still has a steady income so we are able to manage on that during those months. I had someone ask me recently how we are able to do this so I thought I would just do a post on it.

   First of all, our mortgage payments are very low in comparison to many other people and even lower than rent payment would be.  We bought a home that we could afford on one income and that has allowed us not to lose our home, even during a period of no income when my husband got hurt on the job and had to be home for awhile.  The home we bought has a nice sized yard with fruit trees and we put in a garden.  Every year we try something new or add another plant.  This year we added a blackberry bush and today we found a pear tree on clearance that we will be planting to replace the 2 peach trees we lost.  Right now in the garden we have cherries, blueberries, raspberries and strawberries all bearing fruit.  Our Summer apple will give us fruit later in late August.  We grow oregano, mint, thyme, parsley chives and basil to add wonderful flavor to meals.  Lettuce, bok choi, rhubarb, squash, potatoes, peas, cucumbers, beans, eggplant and tomatoes are also growing in the garden.  I like having fresh produce right from the garden to help cut down on the grocery budget.

   I enjoy searching out great deals on things that we need and try to prepare ahead of time.  I have a gift closet that I set aside items that I find all year round that I know someone would enjoy on a special occasion like birthdays, graduations, baby showers, bridal showers, weddings and Christmas. I also stock my pantry and freezer this way, taking advantage of sales combined with coupons and also freezing produce from our garden.  I try not to waste food and during the summer will use the leftover morning coffee to make iced coffee as a afternoon treat.

   The library is one of my favorite resources for free entertainment.  Jeff and I borrow books and dvds from our little library here in town.  Since it is part of the county library system, we can request things online and have access to lots of resources.  We can even do an inter-library loan and get books from outside of our local library system.  Our library also has a free magazine section where you can take home magazines that you want to read and can drop off ones that you have already read so that other people can enjoy them.

   My husband and I do go out to eat and we do go to see movies in the theater, but we budget for these things.  We will usually hit up a matinee movie and we only do this a few times a year.  When we do eat out, it is usually at lunch.  I have been able to get gift certificates through restaurants.com for pennies on the dollar to help offset the cost of dining out.  Jeff and I also celebrate our birthdays during the Summer and we are sent all kinds of gift certificates for free birthday meals and treats.  Today we used a gift certificate for a free meals at one of our favorite places and even with tip it costs a little over $10.  We enjoy lots of free activities too like going to the river, picnics in the park, local festivals and just spending time with our family.

 



   I think a big part of learning to live with a fluctuating income is to be thankful and content with all that we are blessed with and not living beyond our means.  We are currently paying down credit card debt and should be completely debt free within the next few years.  That will be a huge weight lifted off of us.  Our plan, once we are debt free, is to then live below our means and aggressively save money towards our retirement years.  We will still budget for trips to see family and to finally take a nice vacation for just the 2 of us.  The key word there is BUDGET.  If we don't plan for it, there will not be the money there when we need it. ;) 

 

Slow Summer Day

Daisy enjoying being out on the screened in back porch.  She is an indoor cat so this is the closest thing she gets to being outdoors. ;)

   After the craziness that has been our lives lately and a very busy day running around yesterday getting shopping and errands done, I was more than happy to have a non rainy day at home.  The weeds had pretty much taken over the garden so I got most of them pulled and then planted the squash and cucumber plants.  Only 2 out of 20 squash seeds came up so I had to replace them with actual plants this far along in the season.  I piled more dirt around the potato plants so that we hopefully will get more than a few potatoes and then picked more strawberries.  Upon checking on the blueberry bushes, I think that we will have some ready to pick within a week along with cherries from our tree.  Speaking of the cherry tree, the birds are having a marvelous stuffing themselves silly.  I am glad that there are lots of cherries this year so that we can have some too.

  Laundry was finished while it was still cool this morning and I got a pork roast going in the crockpot.  My allergies are flaring up big time so I am trying to make things as easy as possible on myself at the moment.  The temperatures are expected to climb into the 100-110 degree range within the next few days so I am enjoying the relatively cool mid 80's in the shade while I can.  As the temperature climbs up to the 90 mark later today, I will retreat into the house and off the screened in back porch, turn on the swamp cooler and curl up with a good book or two.  I am not a girl who does heat well despite being raised in Hawaii.  We are lucky that it is a dry heat here most of the time but today and for the rest of this weekend and early next week the humidity is high.  I'm thinking some time in the hot tub (which I am not heating at the moment) later today is in order.  We like to use it to cool down on hot days and nights.  It has been a huge blessing to both my husband and I.

  

Now That is a Big Strawberry!

I picked this strawberry, along with some other ones from our garden yesterday.  About half our berry plants produce these huge strawberries and the other half produce regular sized ones.  Our grandson loves to pick and eat them right off the bush when they are warmed from the sun. :)  I think he may have some competition for those berries now that Caesar has discovered them.

Life is Crazy but Bradley Keeps Us Sane

Our lives are crazy at the moment.  It seems like there is just too much to do and too little time to do it all in.  June is almost gone already and I am still wondering where the "vacation" part of Summer Vacation (remember I am a substitute teacher) is.  Jeff and I finally have a free weekend coming up where we have no commitments to anyone or anything.  In the midst of all of the craziness though, we are so thankful for those moments when we can just see life through Bradley's eyes.  He recently spent the night with us again and we loved every moment of it. :)  He keeps us sane. ;)

 

Bradley is 15 Months Old!

Bradley is now 15 months old!  Time has just flown by so quickly and we are amazed at how much he has grown.  He is now trying to say G-pa and Grammie...melts my heart. :)  We are blessed that we get to spend so much time with him.  He is even coming over for another sleepover on Saturday!  G-pa and I cannot wait. :D

Leisurely Stroll Through the Gardens

I love flowers.  Their perfume is intoxicating and their beauty makes my heart sing.  I am blessed to have so many different varieties that I have been given or collected over many years.  They bring such joy, peace and calm into my life.  A world without flowers would be a very depressing place.

 

"Mine Dog" Bradley Has Claimed Caesar As His Own

Bradley spent the night with us on Saturday and is now saying and putting 2 words together.  His latest is "Mine Dog".  Of course Caesar can be your dog Bradley...Grammie and G-pa will gladly share him with you! ;)  They are the best of buddies. :)