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So living in rural VT has actually made the "what do you do" conversation a lot easier because many folks out here do a little bit of this and a little bit of that with no "real" W2 jobs, so our lifestyle is decidedly not out of the norm. Thank you for saying hi: As he discussed an area, he would mention many of the ideas that are in his book. Thank you for all you do to inspire us! I love posting those photos on Instagram--so much fun for me! These days, I wouldn't leave where we are for a million bucks.

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Be the first to see new Work At Home jobs. Make sure your family knows of this plan - no one named guardian or not should learn this info after you're gone. FYI I have used legalzoom for a Power of Attorney and it was very inexpensive, so look into them if you prefer to have a "legal" document. My sister did this in Florida. She passed away and the will, end of life directive, etc She was single, no children. I think some of the benefits of an attorney come in when you have kids and more elaborate needs.

The parent mentioned Power Of Attorney. Many people, including non-native speakers, may be unfamiliar with this word. Here is the definition: In beta, be kind. A power of attorney POA or letter of attorney is a written authorization to represent or act on another's behalf in private affairs, business, or some other legal matter, sometimes against the wishes of the other. The person authorizing the other to act is the principal, grantor, or donor of the power.

The one authorized to act is the agent or, in some common law jurisdictions, the attorney-in-fact attorney for short. Formerly, a power referred to an instrument under seal while a letter was an instrument under hand, but today both are We're remiss in not having a legal professional look over our estate planning, and it's something that's on our near term list.

I love your blog. Can you share more of your specific numbers? How much did you have in your nest egg when you decided you were financially independent? Certainly the Cambridge rental market accelerated that somewhat, and I've discounted future rental growth in our projections to be conservative. Hi Liz, thanks for your blog! I find it so inspiring and follow it whenever I can. Your frugal advises are so practical and I love how you go into details about every purchase and frugal decision you make.

Since my husband and I live in Israel, a country with far less thrift shops than the US and less second hand verity of pregnancy clothes and equipment for a new child, what would you suggest for me to do in terms of preparation for our baby that is due in a few months? Thank you for reading, I appreciate it! Hand-me-downs and used stuff are amazing if you can at all find them. We accepted plenty of hand-me-downs for our daughter that had seen better days, but we cleaned them up and they worked just fine.

Babies don't need much in their first few months and so I wouldn't worry about buying tons of stuff for the future. I have a post that details all the specifics that I think might help better answer your question: Good luck and congratulations: I love your blog and want to echo what everyone else has said, the earnest tone and lack of ads really do make it stand out from every other blog out there.

I really enjoyed the series of posts you did a while ago about traveling by yourself with babywoods. Any chance we might see more frugal family travel advice in the future? I appreciate that so much: I've sort of tried to block traveling alone with Babywoods out of my mind, but it actually wasn't that bad and I'll be doing it again this summer. We have a few trips coming up with her, so I'll be happy to do another post on the topic.

Thank you for letting me know it's of interest! You can take any "baby" food through security with no problem breast milk, veggie pouches, etc are all fair game.

Babywoods played with a plastic cup with some ice in it for like 25 mins, so grab free plastic stuff in the airport! We love to travel and plan to do more as our family gets a tad older, so I hope it'll be a regular feature on the blog in the coming years: Thank you for your blog! I enjoy your writing style and practical suggestions. When you were living in Cambridge, did you ever participate in a CSA farmshare?

How did you decide for yourself whether it was worth it for your family from a financial and health standpoint? We never did do a CSA in the city, mostly because it was too much food for us to consume each week.

Our friends gave us theirs once when they went out of town and we were completely overwhelmed by the quantity. Instead, we bought organic produce at the grocery store.

I do spend more on sourcing local and organic foods because it's worth it to me. I'm surprised by that. Admittedly some of this was choosiness I really want asparagus, not more kale , but the two of us never had much trouble eating all of a full share when eating mostly vegetarian, and most farms we've seen offer half or small shares as well. We switched away from one CSA because we didn't think we got enough food for the money. Maybe Cambridge is different, or maybe you guys eat a lot less than we do.

How did you research where to start your homestead? Do you have recommendations for people who want to homestead but don't love the cold as much as you do? We first made a list of all the states in the country that fit our basic requirements and then we filtered and honed from there. We were interested in forested land, with four seasons, a progressive state with good schools and culture, somewhere that wasn't too expensive, and a dynamic community.

I have a whole series on the blog that details this process, in case that's helpful it's: I'm afraid most of our potential spots included places with snowy winters: My husband is 12 years older then me. He wants to continue to work until forever his words lol he truly enjoys his work.

I would like to retire once I reach FI in about 10 Years or so. I was thinking on doing the roth conversion ladder from my Tax advantage accunts since I will be less than How do you recommend I do?. Most of my savings are in tax shelter accounts. If your husband is still working, maybe you just live off of his income? Love love love the blog!

My question is about earnings, since you usually focus on frugality in your blog. You've mentioned your various moves until VT have been motivated by being helpful to both your careers. Would you have moved solely for a higher paying job, assuming every other aspect of your life was optimal in the city you moved from?

On another note, are you planning on planting any exciting new veggies or herbs you haven't mentioned in the blog?

You've inspired me to try rhubarb next year: We did move a lot early in our careers. For that time in our life it was the right decision. We were young, excited by change, and frankly it was super easy to move without a toddler and a dog! Plus moving around early in your career is often the best way to supercharge your earnings and responsibilities.

We certainly made more money and advanced in our careers faster by moving. These days, I wouldn't leave where we are for a million bucks. We're content with our finances and have prioritized community and nature over advancement and money. In your case, I'd weigh the benefits. It's all about prioritizing and being honest about your long term goals. But I will say that if you are early in your career Hello Mrs and Mr Frugalwoods. When babywoods gets older how do you plan on handling extracurriculars, especially those that aren't traditionally free like piano lessons, martial arts, dance lessons, etc.

When I was a kid I wanted to do everything. I'm now realizing as an adult jow much money my parents spent on my activities. I have several thoughts on this: Barter and trade is alive and well in our community and I've heard from other parents that this can be a great way to secure "free" lessons for kids. She will learn early on that we don't get everything we want in life and that she'll need to prioritize. One of the reasons we're FI is that we pick and choose the stuff we want to spend our money on.

Paying for Babywoods to take classes she wants to take will be one of those values-based spending priorities. I'm very much of the 'Simplicity Parenting' mindset I highly recommend the book!! My approach to parenting evolves as Babywoods grows, but it always retains the lens of frugality and simplicity because I believe this approach yields tremendous dividends for not only our finances, but also the way we like to live our life.

I mean, you don't NEED shoes to play basketball. Or pay to travel anywhere or pay an activity fee I love that my favorite finance blog has started to morph into my other favorite kind of blog - homesteading! Thanks for sharing your journey with all of us. Do y'all plan to add any livestock or additional pets? I enjoy the photography Mrs. Frugalwoods does and goats happen to be adorably photogenic creatures. Goats are SO photogenic: The jury is still out on the livestock question.

I think we will branch out into animals starting with chickens, I imagine at some point. Homesteading is a longterm proposition for us, so we're allowing it to languidly unfurl. Another factor for us is that we enjoy traveling and the more animals you have, the harder it is to leave although we're watching our neighbor's chickens this week while they're on vacation and I know they'd do the same for us down the road!

Now, it's enshrined in our routine and so there's no argument over who will, for example, cook always Nate or clean always me. I'd echo Liz, and emphasise the amazing amount of time we get to spend together. I think if you have a great relationship to start with, FI is a wonderful relationship enhancer. But I know people who go to work partially to get a break from their spouse. Hi there - love the Frugalwoods blog!

Living in Wisconsin, I'm especially appreciating the Vermont posts. My question is frugality and dating. Were you guys frugal first and found each other, or did you both happen to come into it as a couple, or did one person influence the other? Since I'm actively dating, I wonder if I should specifically look for someone who is also of the frugal mindset. With frugal couples I always wonder if they both came to it on their own or it was a decision as a couple, like if one's lifestyle influenced the other, etc.

Oooo, that's a good one! Nate and I met in college, so we were living the frugal student life at the time. However, it quickly became apparent that we are both frugal by nature. We're wired for delayed gratification and we both love efficiency which dovetails with frugality perfectly. Since we were both frugal to start with, we've enhanced this quality in one another. From what I hear from friends and readers, the ideal situation is meeting someone who shares your frugal values.

Just as you'd probably prefer to date someone who enjoys the same hobbies, I have to imagine it's a smoother road if your partner is frugal from the start. Sadly, disagreement over money is a leading cause of divorce.

That being said, I also know folks who are married happily to a frugal convert! I have a post on this topic that might give you some additional thoughts: It's kind of what I've been thinking lately too.

I definitely couldn't date someone who was horrible with money been there, done that but I suppose it's a narrow window of available partners who share my frugal nature and don't buy into thoughtless consumerism. Time to start a new dating app: Frugal Find is a really good idea!

I get questions from readers all the time about how to meet other frugal people! Yes, especially since dating often is the opposite of frugality — it often involves activities that involve spending money, often demonstrably as a way to illustrate wealth. Maybe my app idea, Frugal Finder, would have an audience after all! I've only once met a fellow FIRE lifestyle person, a guy, not a potential love interest. I keep wondering, should I include it in my online profiles, but then I always feel it requires tons of explanation so the other person doesn't think, great, he's cheap, I'm going to have to pay for all the dates.

I don't have a question, but I wanted to say we just got internet mattress! It was to replace our not quite as frugal, but fairly so, internet mattress that was a flop that we dealt with for 4 years. So far so good I also have to credit you for introducing me to the buy nothing group, though ours isn't quite as good as yours I'd love to hear more about frugal baby raising as your little one grows.

We have a 2 month old. I'm such a fan girl. I'd love a homestead in Vermont and to make my living as a writer! Well, I'm a sort of writer editor, but I gave up on my blog and haven't found a new focus.

Thank you for saying hi: So glad to hear you're liking internet mattress--we freaking love that thing. And Buy Nothing Groups are pretty amazing, although here in VT, I find it's more word-of-mouth and through my parents' groups and our town listserve.

I will definitely continue writing on kid-rearing as Babywoods grows--it's fun to figure out a frugal substitute for all of the traditionally spendy kid milestones: Congrats on your baby and good luck with the homesteading and writing! So far we've managed frugal Easter and frugal mother's day.

But the baby wasn't even a month. What was she missing? No mother's day gift my husband said "you're not my mother" lol I just had my husband take a nice photo of me with baby. That was a perfect gift. Oh, and we totally used vistaprint postcards for birth announcements and I used postcards for all my thank you notes.

Postage alone has been great savings! I love those VistaPrint postcards. SO much cheaper all around! Yeah no Easter Baskets or Mother's Day gifts here either ;. Longtime reader and I adore this blog and admire you guys greatly! This AMA covered a lot of similar questions I had, with one big exception:. I've always loved how candid you are about enjoying high quality beverages as little luxuries--you've posted about hacking your seltzer habit and Costco brand coffee but what about making your own beer or wine?

It makes great gifts at the holidays, or for gifting the hosts at a dinner party. Don't get me wrong, I still love the great deals on quality boxed wine Bota box and Black box are my favs but we've found making our own wine is less expensive and more fulfilling.

Thank you so much for reading: You are correct, we are indeed high quality beverage lovers! We've definitely considered home brewing and Nate has a saved Craigslist search for homebrew equipment, but nothing has popped up yet. We're also planning to grow hops on our land, so hopefully homebrewing is in our future.

A question I have for you: Do you get bored of drinking it? Do you wish you had more variety? Or does it just all get used up as gifts, etc? We love to try different beers and so one concern we have is if we'll get bored of drinking the same homebrew all year long Would love your thoughts! We've done as small as a one gallon batch of home brew.

Not so much that we get tired of it, since we share with our friends when they come over for dinner. We primarily brew and keg 5 gallons at a time, but we will rotate what is "on tap" since it can lay a year in the keg. Drink it for a bit then rotate something else out. You already have the CO2 tank, so that expense wouldn't be there for start up.

We also bring partial kegs as our potluck item to birthday parties. People love it, and we enjoy brewing. I only get tired of our more "experimental" batches, but none have turned out bad.

All that said I don't think we really save that much money. It's a hobby not a big cost savings for us. Although maybe out on the homestead you can find cheaper wheat. I love your blog I thought I'd pipe in with some frugal homebrew advice:.

Any tips for growing a frugal-focused blog? I'm trying to get mine off the ground and while I know all the basics of blogging I work in digital marketing I'd love to hear how you grew such an engaged and awesome audience!

Thanks for the tips! It's one of the reasons I love Frugalwoods so much! I write best and get the best acknowledgements when I write with passion and from the heart and the mind is focused. It helps a lot to be reading well-written books that help create those nuances and added touches. Do you ever do any meet ups with others in the FIRE community?

I haven't found many others here in VT. I don't specifically discuss FIRE with them, but I find that their outlook on life self-reliance, appreciation for nature, a lack of interest in consumerism, DIY to the core, potlucks for every party! FW, love the blog! Your style of frugality sounded extreme to me at first, but the more I read, the more appealing it seems.

It's my understanding that both of you still have work-from-home jobs, is that right? Do you have plans to retire eventually and become full-time homesteaders?

If so, how soon? We're trying to gradually move towards more homesteading. We don't want to burn out or make it a trudge. We left the city to reduce the stress and hectic nature of our lives and we don't want to recreate it here! As far as full time?

I really enjoy my job, my coworkers are awesome and the mission of the company is something I believe in. Plus my 30 second commute is pretty great! So I'm in no hurry to leave. I write because I love it and it's an important part of my fulfilling, post-FI life.

I feel so lucky that I get to work from home doing something I'm passionate about and I have no plans to ever "quit" that: A bit more on how I structure my time here: Just wanted to say love your blog! I'm wondering if you or perhaps readers have tips on two things: One of the biggest things we struggle with is making time to do the more frugal things planning ahead for meals, etc. I suppose I'd say that our approach is such that we live frugally enough that an individual month's income doesn't matter.

Simplify as much as humanly possible! Back when we both worked outside the home, we streamlined and created efficiencies wherever possible. I talk about this approach more in this post: When you started to work toward FI, did you visit a financial planner at all? Do you use one now? Do you have any good questions to ask when vetting a fee-only financial planner? We've never talked with a financial planner.

Not because I think they are all crooks though many are! He covers the basics of planning for your financial future in a really easy to understand way. All of the info is also free on his blog, but many of our friends have said how nice it is to have it all in once place.

Plus he's a nice guy. If you feel like you must have the help of a financial planner, make sure they are a fee only fiduciary.

And if they recommend anything other than term life insurance and low-fee index funds Then there are tax strategies that are worth paying for. There are ownership structure, tax sculpting, and estate planning considerations that are worth a pro's advice.

I'm a big fan of your blog and pics on instagram. I read your blog since one publication on Forbes I think in , you have been a huge inspiration for me in order to get financial independence. My husband and I are so close to get it!!! We estimate be there at the end of this year after 2 years of good changes. We are from Mexico and the economy is super different than US but at the end are the same "rules", buy what is important and we really need.

I've always wanted to create a blog related to simple life but I'm not sure how to start, I mean how to create audience, Can you give me and advice? And, huge congrats on your FI journey! Regarding the blog, Mr. I think successful blogging has a lot to do with those three things: I've noticed that your grocery spending has increased - is food more expensive where you are now, or are you shopping at more local, small businesses?

I'd love to support local farms, but the increase in the food budget and the extra time it would take to go to the farmers market gives me pause. Any tips for letting go of the hang-ups?

And do you cut your own Christmas tree from your land? The grocery bill has gone up for a number of reasons: Grocery stores are more expensive here.

She consumes almost as much as I do in a day! We really don't sweat it anymore. It's one of those luxuries of being FI. We actually have an artificial Christmas tree that we bought years and years and years ago, which we used again last year. Eventually I'm sure we'll harvest one from our land since we have tons of pines. I guess it'll be part of our long-term goal, to be the people that leisurely stroll the farmers market on Sundays!

Is there ever a time where you would consider splurging on items or experiences beyond what you have outlined in your blog underwear, etc? I'd say that most of our splurges are planned in advance since we're both more comfortable with that approach. And, it all shows up in our monthly expense reports where I'll usually outline the thought process behind any aberrational spending. For the most part, travel and our one dinner out a month are probably our biggest splurges oh and good beer to enjoy at home ;!

I am a huge fan of your blog and enjoy reading your posts as soon as they come out. I'm just wondering why you chose to give up couponing? I think you mentioned in a couple of posts that you used to use them, but that you no longer do. Was there a specific reason for this? I've actually never been a coupon-er although I do peruse the coupons that BJ's sends us and we use those periodically. I always google for online coupons before buying stuff online, but otherwise, it's not really my scene takes too much time for too little ROI in my experience.

Funny you should ask about Frugal Hound's food I'll give you a preview of next month's expense report: FW made the 1. Still WAY cheaper even with the driving and the membership than any other healthy options! What is the sick leave policy like?

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