Student Loans: a 14-year argument resolved

During our marriage, my husband and I have owed up to $750,000. So it’s no surprise my husband (aka “DH” for Dear Hubby), and I have argued intermittently for fourteen years about our student loans.

  Continue reading “Student Loans: a 14-year argument resolved”

How a Physician Cut Her Food Bill by 63%

Lowering my food costs started with broken bones and wasted chicken.

A few years ago I wanted to do research for a fantasy series I’m writing, so I organized a girl’s trip to explore an island with a cave.

Two things happened that weekend:

1) I went trail running, fell, and broke my ribs.

2) My husband decided to become a vegan while I was gone. Continue reading “How a Physician Cut Her Food Bill by 63%”

How a Physician slashed her spending

 

We had an 85% savings rate in 2017, which beat our 63% savings rate in 2016! It wasn’t easy. At all.

I know—you’re asking how this was possible and how did we calculate this? And lastly, why would anyone want to save so much money in the first place? (#YOLO crowd, here’s looking at you!) 😉 Continue reading “How a Physician slashed her spending”

How much does it cost to EVACUATE in case of a hurricane?

$980.

That’s the cost for fast food (my arteries STILL hurt) and comfort food. Park admission. 6 nights at an airbnb in Georgia. Too much coffee. Not enough gas. And of course, a Walmart run for underwear for the oldest because there’s only so much I can stand him “going commando” 😉

That’s NOT the cost of the stress and sleeplessness leading up to the evacuation, the anxiety over those left behind, the time it took to connect people back home to others to help each other out and spreading information (after fact checking) about mandatory evacuations, etc. Nor the time (and money)  it took to clean up the damage from the hurricane. The week it took to put the house back together (after we took what we could and hubby moved as much as he could upstairs incase of flooding from storm surge.)

So in terms of “time” cost: 3 weeks total. But the evacuation wouldn’t have been possible if I led a “normal” full time physician life. There’s something to be said for frugality…it gives you savings/wiggleroom, options and most importantly, TIME. And time is the most valuable commodity we all have.

Evacuation: what I got RIGHT

 

Evacuation: What I got RIGHT:

The other day I posted what I got WRONG about evacuation. Today I thought I’d write about what I got RIGHT. And tell you that being part of the largest evacuation in human history was totally surreal. I’ve never seen so many campers on the road, rest stops so jam-packed and so many massive, red gas cans strapped to the top of vehicles and trunks of sedans. And that driving north on 75, in bumper-to-bumper traffic, that southbound was mostly empty, with the occasional gas truck and empty car carriers passing us. (Hug a trucker for me the next time you see one!) Continue reading “Evacuation: what I got RIGHT”