Showing posts with label frugal. Show all posts
Showing posts with label frugal. Show all posts

Friday, 28 June 2019

Beating Brown Bag Boredom


Image result for sad brown bag lunch
One of the biggest costs of working in an office can be lunches - a 'low cost' takeaway can be $10 a day, whereas a fancier lunch can run up to $30.. plus drinks. For office workers going out to lunch every day can cost up to $100 a week.

Bringing lunch from home (Brown Bagging) is an easy way to bring the costs down, but after a while ham and cheese sandwiches get really boring. While it can be tempting to go out for some variety, it's easy to change up the basics to keep things interesting, and on budget.

Satisfying sandwiches

In summer my sandwiches are ham, cheese, tomato and cucumber. In winter it's ham, cheese and tomato on the grill. While the staples are delicious the same thing week in and week out can get dull. 

Whenever I ask google for some new ideas the suggestions are extremely costly and elaborate. Instead, there are some super simple options to make it interesting.
    Image result for thousand island sandwich
  • Salad dressing and sauces - Thousand Island Dressing, Mayonaisse and Pesto are delicious on a sandwich. A dollar worth of dressing or sauces can last an entire week and turn a same-same sandwich into something new.
  • Herbs and spices - salt and pepper are an obvious choice, but a sprinkle of Oregano turns a ham, cheese tomato sandwich into a pizza sandwich. 
  • Change up to protein - swap ham for turkey, chicken or roast beef. Each protein has a different flavour and opens the door for different cheese, veg, or sauce options.

Pasta playground

Pasta is a winter favourite, but it's easy to fall into the trap of minced beef, garlic, tomatoes and cheese.

  • Change your colour - red sauce pasta is the easy choice, but what about white sauces, that can be creamy, or cheesy, or garlicky. A green sauce can be made with a pesto base, or if you're feeling like something light, a simple lemon juice or olive oil dressing can make a great variety.  
  • Protein options - mince beef is the staple for spaghetti, but meatballs can give the same flavour and a new texture. Chicken pairs beautifully with bacon and potato. Turkey tastes wonderful with pesto. Chorizo can add a smokey flavour. 
  • Leveraging Keto for comfort - a favourite trick of mine is to take a 'keto' casserole and add pasta. Keto recipes alone can be heavy and expensive, with an abundance or cream and butter. Adding pasta to a keto casserole reduces the cost per serve, and creates a delicious comfort food that warms any winter.

Salads made special

Image result for strawberry saladWhen summer rolls around, pastas are heavy and warm. Leafy greens by themselves might not seem exciting, but there are so many flavours that can be added.
  • Sauce it up - sauce is the trick to any tasty salad. There are the obvious ones like thousand island or ceaser dressing, but you can make your own with a little effort. Olive oil, mustard and lemon juice is cheap, tasty, and the oil will help keep you full. Mayonnaise can be flavoured with ketchup, or garlic, or pepper. For an even easier one, mix hummus with a bit of olive oil.
  • Meat and Dairy (or tofu and beans) - salads can be boring when it's just vegetables. they have a reputation for being paired with flavourless poached chicken. Instead try different cheeses like feta or haloumi. Try crumbed chicken tenders, or salmon. And don't skimp on the nuts - cashews are both flavour and texture!
  • Sweetness - lastly, try sweet additions. strawberries in a salad are divine (mix with feta, cashews, balsamic vinegar and honey). Apples and walnuts go together. Pomegranate seeds add a crunchy texture and a rich taste.

Vegetarian Variety

We have a high dependence on meat to be the stand out star of our meals. Yet, more than two million people are vegetarians. While for many this is a moral or ethical choice, it can also be a benefit to the budget. While it's easy to see a vegetarian diet as a boring one, it forces creativity, especially for those of us who are not so reliant on meat.

When meat is removed from the dish, we're forced to think harder about how to add flavour. Mushrooms and beans are the obvious alternatives, but other stand outs include roast pumpkin, zucchini and eggplant.

You can also draw inspiration from other cultures - lots of Indian and Japanese cuisines are light on meat. Both cultures use large amounts of rice, however the two approaches are markedly different.


If you're struggling to stay inspired, small changes can be some of the better ones - keeping you on an easy routine without letting boredom set in. Once you've tried something new for a while, the old classics will still be waiting for you.


Tuesday, 20 February 2018

Why do you think $40k isn't enough?

One of my Australian FIRE blogger friends Pat the Shuffler was recently featured on ABCnews.

Not only was it a good read, but the bottom half of the internet (i.e. the comments section) was highly entertaining.

But one ongoing comment that I want to address has been a bane of the FIRE community for years. "Hope he likes eating two minute noodles, because no one can live on $40k a year."

What is it with everyone outside the FIRE community trying to tell us we don't know what our own budgets are?

Negative whingers

First of all, let's tackle the obvious theory - maybe they are all just negative whingers? I've been reading FIRE blogs for years, and not only do I think that $40k a year per person is an affordable lifestyle, I think it's downright decadent. So many FIRE bloggers out there are living on $40k or less per year for a family. Pat the Shuffler and I are aiming for $40k a year in retirement funds for ourselves alone.

It's hard not to see people as negative whingers when surrounded by like-minded FIRE folks. But it's not just the FIRE folks living on very little - minimum wage in Australia is only $36k  per annum, NewStart payments are a measly $14k per year, the maximum disability pension for a simgle person is $23k. One person living on $40k has plenty of money. 

Money buys happiness

Let's tackle this theory. Most of the people complaining - if they bother to give a reason why $40k isn't enough - say that the reason $40k is insufficient is because you have to live a miserly, poverty fueled lifestyle.

Here's some things I can't do on $40k a year:
  • Learn to fly a plane - a one hour lesson can cost over $200, and you need 25 flight hours for a Recreational Pilots license. 
  • Join a golf club - at $660 joining fee, plus $405 annual clubs fees, PLUS playing rights / greens fees... no thanks.
  • Have new car every year - the 2018 model of Mr FIREs car would cost us $36k... he's been driving his old one for almost 8 years, and it was old when he bought it. 
  • Hire a Maid - for $70 a week for a two hour clean, I'd be out $3,640.. I'll scrub my own toilet, thanks.
  • Pub dinners and shows every week - Going out for dinner is anywhere from $20 - $50. Going to a gig, theatre show, or event can cost $50 - $80. If this was the only time I socialised, I'd be $5,200 out of pocket.
  • 4 bedroom mega mansion - buying a bigger house than I need could cost me $40k a year in interest payments alone. Mr. FIRE and I don't have kids, so why would we need a big house? We barely use all of our 2 bedroom place.
However, here's things I can and do enjoy on $40k a year:
  • Sports! I train 8hours a week for Roller Derby.
  • Interstate sports! I travel 2-3 times a year, for Roller Derby
  • Holidays! Admittedly, I don't travel often outside of derby - more because I'm lazy than because of my finances - but I still do it and keep my expenses down.
  • Picnics and Dinner Parties - why would I go to a pub and pay too much for average food, when I can have friends come to my place, play board games and cook them dinner? I can feed 3-4 visitors for less than I would spend on my own meal going out.
  • Hiking, Biking, Fishing and Slacklining - need to head outdoors? That's free after the initial equipment outlay
  • Rock-climbing - for a little more adrenline and a little more expense, I climb indoors at a gym. But I could buy a stack of gear and climb outdoors.
  • Crafting - I craft a LOT for costume parties, joke prizes and things I actually want. I've made necklaces, beanies and slippers, as well as a chicken coop and planter box.
  • Video games - let's be fair, I enjoy a lot of fancy nice things, but I also play video games. A lot.
  • Coffee and great food - whenever I have food cravings, I just learn to make it. I can make yoghurt from scratch, I'm decent at sushi rolls, and I have a pretty amazing salad selection.
I need this little dude in my life
Anything I'm missing? Actually, I know exactly what I'm missing - a dog. Mr. FIRE and I have started plotting moving to a house with a bigger yard so we can have a dog :D And a workshop, and a bigger veggie garden, and maybe build a skateramp in the backyard. But mostly get a dog.

Medical bills and maintenance

This is where I think people might have a good point. $40,000 a year, as a young person is a pretty cushy lifestyle. My health insurance at the moment is only $85 a month for hospital and extras - I make a point to use as much of the extras as possible, and having hospital cover will be a big deal when I hit 30 and tax rules come into play. Right now I just keep it because I play a high speed contact sport with wheels on my feet. I've already had one knee reconstruction...

But, that's me being youthful. As I get old insurance companies will start charging me more as my body breaks down due to old age. I'll be doing my best to take care of it, but time defeats us all everntually, and I have a choice of paying an insurance company for the privelege, or paying for the health care when things happen.

Of course, this doesn't actually mean I suddenly need thousands more. It just means being aware of the upcoming costs and planning for it.

Someone who plans to spend $40k a year for the rest of their life probably isn't planning to spend exactly $40k every year. For starters, we plan for inflation. But personally, I'll be planning in some wiggle room - it's easier than you'd think! 

Ready, here we go...

Plan to spend an average of $40k a year? 

Option One: Don't retire when your portfolio is generating $40k a year

If you plan to spend $40k a year to have the equivalent life that you have now, but recognise that your expenses will change in the future, just work a little longer. If you have a million dollar portfolio, working one extra year will give you a $1.07million portfolio (assuming a 7% return) plus any contributions you made.

It has only costs you a year, and now your safe withdrawal has boosted up to $42,800. If you then retire and live on $40k, you will have an extra $2,800 per year to deal with unexpected crises and rising costs. Of course, you won't need to spend that every year, so it will just build up for when you do need it.

Option Two: Earning money in retirement

Gasp working in retirement? Then you aren't really retired! Well, to be fair, I said 'earn money' not 'work'. Many early retirees like to create things, you can earn money from blogging, from writing books, from selling arts and crafts. I have earned money in the past by pet-sitting - getting paid to hang out with cool dogs! Lately I've been watching video games streams, did you know some of the top ranked gamers on Twitch pull in six figures.

Option Three: Start small

If you plan on spending an average of $40k per year in retirement, you can start smaller and work your way up. In your first decade of retirement, maybe you could live on only $35k. This frees up a lot of money for later years, and lets your portfolio grow.

Option Four: Leave the country

If you're living in a High Cost of Living area (looking at you Sydney) then consider spending a year or two somewhere else! According to The Earth Awaits, I could spend $4,600 a month in Sydney for a modest lifestyle, or a mere $415 for the same lifestyle in Madurai, India. Don't want to travel so far? Staying in Australia, Hobart is only $2,550, or if you want to stay on the mainland Adelaide is a mere $3,000. Much cheaper than living in Sydney.

If things really don't work, move somewhere smaller!
While travelling can be expensive the biggest cost factor is the flights, and fancy hotels. If you are going for a long trip then the cost of the flights becomes a smaller portion of the overall cost, and you can rent long-stay accomodation, rather than paying night by night.

FIREy wrap-up 

While I like to think the best of people, and I'd love to believe the naysayers have our best interest at heart - when you think it through $40k per person is plenty of money for a good life. And that's without even going into extreme ideas like living in an RV, or going off the grid.

There are plenty of 'Plan B's that you can take up to make your retirement foolproof.

Now I just need to get there!


Friday, 15 September 2017

You should be buying cheap shit

Just last week I said that you should stop wasting your money on shit. A big part of that is not spending money on cheap shit that falls apart after a couple of uses and you have to constantly replace.

I'm not changing my mind, but sometimes you really should buy cheap, second-hand, knock off shit before you buy the expensive top of the range good stuff.

Let's be frank, $140 jeans are totally frugal if they last 8 years. But if you buy them and realise you hate them, it was a waste of money.

That kitchen aid gathering dust?

The thermomix you bought and discovered you hate risotto?

You got a pool then realised you're afraid of drowning?

Absolute total wastes. Good quality expensive things that have burned a huge hole in your wallet without making you happier.

If you want to buy something expensive, you should buy a cheap shit knock off version first.

Trial it, see how much you like it, see if you enjoy baking muffins in a cheap silicon tray before buying an expensive set (FYI, silicon bakeware is amazing. I make so many muffins now...)

Buy it cheap

So you've decided to start off a new diet where you drink green smoothies every morning? Good for you, but step away from the $80 NutriBullet. Instead, grab yourself a $15 Blender. Let's be honest, it might not last forever, but there is a good chance it will last longer than your obsession with green smoothies.  

Buy it second hand

Whatever it is that you're just starting out - from cooking, to hang-gliding, to fencing, and back someone else has probably done it first. Before you rush out to drop $20,000 on a hang glider, see if you can pick up a second hand glider for a measly $5,000.

Or maybe, for a more relate-able idea, you probably have a friend with a thermomix sitting in the back of their cupboard not being used.

Financially free AND gravity free!

Buy it on special

If you've have a cheap knock off in the cupboard, and you've borrowed from a friend, then you can hold out for specials. While new rock climbing shoes can cost over $100 places like Anaconda regularly have sales where you can get new gear for 50% off. 

or maybe, you'll find a new hobby

The beauty of buying cheap shit, before committing to top price, top of the range equipment is that you'll never be left with a $30,000 hang glider and the realisation that you're afraid of heights. If you're enthusiasm outlasts your equipment, then that's a great reason to pick up some better quality items. But if you're only going to stick to a juice diet for a few days, why bother dropping $80 on a blender when a cheaper version will do the same thing.

Friday, 8 September 2017

Stop buying shit

Shit, slang something inferior or worthless.

This is where the frugality movement and the minimalism movement come together and truly shine. Because you can be a minimalist with only a few things, but they can be crappy things you have to replace every two weeks. Or you can be frugal and buy something on super special, but maybe you didn't really need it.



Stop buying shit that you only use once

Think of all the things you buy just to throw them away again. Garbage bags are one of the five things you'll never find in a finance bloggers budget because you are literally paying money for garbage.

However there are less extreme examples like paper plates, straws, bamboo skewers, paper towels, tampons and disposable coffee cups that can be replaced by reusable items like real plates (or wipe down plastic ones) metal straws, metal skewers, kitchen rags, menstrual cups and keep cups.

Not only will you be literally saving the world with less waste, you'll be saving your hip pocket as well.

Stop buying shit that falls apart

In the first six months after moving out together Mr. FIRE and I bought and broke three different cheese graters. Two of them broke while we were using them, the third somehow got rusty while it was in the cupboard. We then bought a cheap knock off multi-purpose kitchen dicer that came with a grater, julienne slicer, mandolin slicer, etc. etc. That broke the first time I used it as well.

So finally we caved in and spent $30 on a decent grater like this one. We bought it from a proper kitchen supply store, instead of trying to find one at a two-dollar store and it's been going strong for three years.

If I'd bought the expensive version first, I would have spent $30. Instead I wasted $50 on cheap crap before finally dropping another $30 on a decent one. 

Don't trick yourself into thinking you are saving money buying cheap shit that falls apart. Buy quality once and enjoy it for years to come.

Stop buying shit you don't need

How many coffee cups do you have in the cupboard? I can tell you Mr. FIRE and I have 6 small espresso glasses, 6 latte glasses, 4 tea cups and 4 large cappuccino cups (yeah, we like coffee). While this sounds like a lot, it works out to doing dishes two or three times a week if we want another coffee.

However, when I lived at home with my parents with had a shelf over a metre wide, and three mugs deep that was full. At a guess I'd say we had at least 40 mugs, all the same size and shape for 3 people. We used the same three mugs every day. Yet for some ridiculous reason we would buy mugs as souvenirs, as Christmas presents, as birthday gifts... I'd say we had over $500 worth of mugs we never used. We didn't need any more mugs, yet we kept buying them.

We also had a garden shed full of tools with multiples of the same type. We owned a bamboo sushi rolling mat even though we never made Nori Rolls. We had a label maker but nothing labelled. If I wanted anything, I always dug through the cupboard We had a fondue kit, a slow cooker, two different blenders... we had everything.

The thing is, we didn't need all these things. Most of them we rarely used. So many things were bought and used once or twice then never again. We bought them because it's easier to make Nori Rolls with a bamboo mat than by hand. It's easier to have a big blender instead of working in batches. It's easier to buy another trowel instead of finding one you already have.

Laziness cost us a lot of money. 

Stop buying shit you don't want

Here's a big one that costs people. How many times have you been early to a job interview, been waiting for a plane, or just had a few moments free and suddenly smelt something delicious in the distance. There are cafes on every street corner, and the biggest lure is boredom and habit.

In these moments somehow coffee and a snack mysteriously materialises in our hands, and money disappears from our wallets. Once I walked out with a coffee I didn't want and a really disappointing croissant because... I don't know? I was bored. I needed to kill some time.

I can't believe anyone wants
or needs this many cushions...
I had literally bought something I didn't want!

And it's not just quick and easy snacks either. I have found myself in clothes stores with the rest of the team while on derby trips hunting for something to buy before I realised that I didn't want anything new, and I couldn't fit it in my suitcase anyway.

Every time I go through Bunnings I end up looking for things to buy. I start with the things I came for, and if I can't find them I somehow still end up looking for something to buy.

I'm not a shopper and I somehow get lured in to buying things. If my friends are shopping, I feel compelled to shop. If I'm near a cafe, I feel compelled to snack. If I enter a shop I feel awkward leaving without buying anything. Until I got over this I used to spend money on stupid shit that I didn't even want!

Start buying your life back

So if you aren't buying shit, what are you buying? If you stop buying shit you'll find your pockets lined with all this spare money. Spend some of it on buying quality things that will last for years (we own $180 frying pan - thankfully it was 60% off) and then spend the rest of this spare money on buying free time

Every dollar you aren't spending on shit, you can spend on more dollars with this fancy trick called 'investing'. If you've just got a few dollars, start with Acorns. A couple of hundred, consider peer-to-peer lending with RateSetter. Over $5,000 you can break into the share market with Vanguard.

Buying shit for $20 will give you a few moments happiness, or maybe just buyers remorse. Every $20 you invest will give you back $1 a year for the rest of your life.

Do you want more shit? Or do you want to start buying your way free of the 9-5? Your choice.

Tuesday, 15 August 2017

Five things you wont find in a finance bloggers budget

There are a lot of things in the world worth paying for. Good food, warm blankets, a roof over your head and comfy bed to snooze in every night. There are also a lot of things that you should never waste money on. Some are ridiculously overpriced, some are unfair, and some have free alternatives lying around.

It's important to keep in mind that just because we don't pay for these things, doesn't mean we're missing out. There are so many free alternatives in the world that it's foolish not to take advantage of them. In this world of entrepreneurs every single transaction has been monetized. From grocery shopping, to house chores, to paying for a puppy party, if you want to spend money on an experience, someone has devised a way to handle it.

Instead of paying, here's a list of five things you'll never see on a finance bloggers budget.

#1 Finance bloggers don't pay for music

I am listening to Spotify as I write this post. I listen to Spotify as I ride to work. When my friends and I wanted a dance party but couldn't afford a DJ we just spun up a great Spotify playlist.

You don't have to pay for Spotify. With the free version you have to listed to an advert every six or seven songs. It won't kill you, but you will reach a point where you can quote each advert word for word.

The only problem with free Spotify is that the bands don't make any money from you. If you want to give a band some money, find a way to do it directly. Buying albums or paying for subscriptions services gets a little bit of money to the band eventually, but most of it is eaten up by paying record labels and the platform.

#2 Finance bloggers don't pay for bottled water

The most ridiculous expensive first world luxury - bottled water. Seriously, it's just water! It comes out the tap! A litre of petrol is around $1.50 right now and everyone is constantly outraged at the expense of this processed, imported liquid that runs our cars, and yet we don't bat an eye at paying $3 a litre for water.

The water that comes out my kitchen tap costs $2.27 for a kilolitres. That's 1,000 litres, or 0.2 cents per litre.

While I'm complaining about water, be careful ordering water in a restaurant. I once asked for water for the table. The waitress asked if I wanted still or sparkling and (not being used to high class dining) I said still. When we checked the bill at the end of the night we were charged eight dollars for water.

#3 Finance bloggers don't pay bank fees

How much do you hate seeing this screen? "You will be charged $3.00 for this transaction". I love seeing that screen because I don't pay those fees. ING Direct pays those fees for me. The fee is charged by whichever banks ATM I am using, but ING simply covers the cost for me.

I guess it works out for ING as a cost of business. They could be paying to install and maintain ATMs, or they could just cover the cost of their customers using everyone else's ATM network. It's a great deal for me, and a great deal for them.

I also don't pay any ridiculous month to month 'maintenance' fees. In fact ING pays me one of the greatest interest rates on the market right now. Oh, and their customer service is pretty amazing.

Want to join the best bank out there? Sign up with my referral code EBB062. Deposit $1,000 in the first month, and ING will shout us both $75.

#4 Finance bloggers don't pay for garbage bags

This one baffles me. When you buy garbage bags you are buying something just so you can throw it in the bin. I wrote a post about throwing your money in the bin, but this is next level ridiculous!

A roll of garbage bags typically costs about $5 - just to wrap up your garbage. For some reason you can even get scented garbage bags.

Skip the absolutely ridiculous cost of garbage bags. You don't need it. Instead buy more fruit and vegetables, and hoard the small plastic bags that you bought them in. Congratulations - you now have an endless supply of garbage bags.

And no, your trash won't smell. With small bags you'll be taking it out from under the sink to the wheelie bin before it starts to smell bad.

Bonus - start a compost bin or get some chickens! Instead of an overflowing garbage bin, you'll have an abundance of compost and rich soil so you can grow veggies and slash your food bill.


#5 Finance bloggers don't pay for exercise

Look at all these fit gorgeous people running on treadmills. You want to be like them to, so you should pay for a gym membership right? Wrong! It's a trap and you should run (literally) the other way. Go outside. Find a park and run under some trees. Run at dawn if you're a morning person because it is gorgeous outside. Or if you're a night person download the free Zombies. Run! training app and run after dark - it's creepy and amazing.

Not into jogging? Prefer weight lifting? Keep on eye on Gumtree or Craigslist for weights, and let your friends know you're looking. Mr FIRE and I picked up a full weight lifting kit for a measly $50. Including a weight bench and close to 100kgs of weights. We're just looking for a squat rack if anyone has one going ;)

Prefer cardio - use youtube. Looking for some yoga? Try the Down Dog app. I've had three different yoga instructors and I can honestly say the Down Dog is better than all of them.

Bonus: Finance bloggers don't pay for ... date night accessories

As a bonus, many finance bloggers report every item of their spending. They meticulously list the cost of toilet paper, a dozen eggs, happy hour beers and their new-to-them shoes. But I have never ever seen a finance blogger report the costs of, ahem, 'date night accessories'.

Are we really boring? Or perhaps we're hiding our costs under and overblown grocery spend. Either way, you'll definitely never see these in a a finance bloggers budget report.


Friday, 11 August 2017

Save money, the environment and your vagina

As a female, I statistically spend 25% of my time walking around with my knees clenched together because it's That Time of the Month. I always resented that not only is it uncomfortable and inconvenient to have a period, but it was expensive as well. I used to spend $10 a month on tampons.

A couple of years ago I made the switch to using a cup, and I have never looked back.

Comfort and practicality

Firstly, a menstrual cup (specifically a Mooncup) is easily the most comfortable thing I have ever used. Back when I used tampons I always struggled to get them in exactly the right place, and I remember not being able to sleep some nights because I couldn't get settled. 

While the first month or two using a cup requires a lot of practice to get things just right, once you learn the tricks it's easy to forget that you are even wearing a cup. In fact I did the other day! 

Even better than the comfort though is the practicality. I think we've all had a moment when we've flipped open our tampon box to find that we've run out. In high school and university I remember awkwardly approaching near strangers to ask if they had any spares. 

I have been using the same cup for four years now. I have bought a second one, but that was only because I accidentally packed it in the wrong bag. I decided I'd rather have two Mooncups (one in each bag) than constantly remember to swap it between bags and end up awkwardly missing it.

Apart from some discolouration, my cup looks exactly the same as the day I bought it. You can wear it when you swim, when your hiking or playing high contact sports. I've worn it overnight without any spillage. I've also (accidentally) worn it for two days without a leak - I don't recommend this. For proper hygiene you should be emptying the cup twice a day, but it's so comfortable you can easily forget.

Day to day usage is super easy. You need to take out your cup and empty it twice a day. If you're in a public bathroom you can quickly wipe it out with some toilet paper before replacing it. If you're at home give it a quick rinse under a tap.

Long term, you should sterilise your cup every few months. You can either soak it in boiling water or wash it with gentle soap - just make sure you let it air dry after. It's as simple as that.

Finances

Okay, here we go, this is a finance blog, so how much money does a menstrual cup save me? Over $100 a year

I have a reasonably unreliable period, which I believe is a side effect of the Implanon implant I use for a contraceptive. As such when I used tampons I was generally going through 40 a month for a period that would last more than ten days. The cheapest tampons you can by these days are 11cents each, or in my case, $4.40 a month. However I found the cheap options never worked consistently and led to leakage and buying new underwear. 

Between the slightly higher shelf tampons and buying replacements, I was easily burning through $100 a year on something I had no choice about. Invested over 10 years this costs over $1,450. For something I have no control over! Put another way if I wanted to invest enough to cover that cost I would need $2,500 in the bank. Just to pay for my period.

Buying two cups back in 2013 cost me a measly $100 after paying for shipping and currency exchanges (the Australia Dollar wasn't particularly strong then). In four years I've saved over $400 by using a cup, that's 100% return each year. You can buy one today and join the cheap, comfortable revolution!

Environmentally Friendly

I've saved a lot more than money though. Plastic takes centuries to break down, and every tampon comes individually wrapped. While the tampons themselves might be biodegradable, the process to make them requires a large amount of chemicals, processing and shipping. 

Cups are made from medical grade silicon, which also won't degrade. However after four years of usage my cup (produced once, and shipped to me once) has used significantly less resources than a four year supply of tampons, and created a significantly smaller amount of waste than hundreds of plastic wrappers.

While this blog is about personal finance and retiring early, there's no point in escaping the rat race to a planet buried under mounds of rubbish.


But it's gross!

This is the number one complaint from women who are reluctant to try a menstrual cup. This is something that we need to get over. As an adult woman you will bleed from your vagina once a month for thirty to forty years. Do you really intend to spend all that time grossed out by a basic bodily function? No, of course not.

Most times when I change my cup there is no mess. Occasionally you will get a small amount of blood on your hands. Wipe it off with some toilet paper, then wash your hands like you were going to anyway. In the worst case scenario you might want to invest in a nail brush, but I very very rarely need one.

What are you waiting for?

For a measly £25.99 plus shipping you can have the convenience, comfort and cash-saving powers of a menstrual cup from MoonCup UK.

And if you think dealing with your period sucks, try living in East Africa. Without access to proper supplies, and the cost of a packet of pads equal to 60% of the daily wage, women in East Africa resort to using things like twigs, leaves, mud and mattress stuffing. These substitutes are ineffective, and lead to infections and long-term damage. Young girls in East Africa miss up to 20% of their school year because they cannot afford sanitary products. If this blog was preaching to the converted, or you want to change someones life, you can donate reusable pads or a menstrual cup via Femme International.


Friday, 28 July 2017

Epic Food Week: Perpetual Food Plan

Food. For many Australians it accounts for the second or third biggest chunk out of their budget, after housing and/or transport. Poor food choices are also leading to an increase of “lifestyle” diseases, such as Type II diabetes and heart disease. Four Australian personal finance bloggers (Adventures with Poopsie, All About Balance, Enough Time To... and yours truly) decided to get together and offer an in-depth look at how we all “do” food in our households. It doesn’t matter whether you like to plan or just wing it, whether you have gourmet tastes or enjoy simple food, or whether you love or hate cooking; we’re sure you’ll find some tips and tricks to eat healthier and find ways to save.

Food in the FIRE household

This was actually chilli
cheese fries, very heavy
on the cheese!
Eating well on the cheap is always a problem for Mr. FIRE and I because, well... he's difficult. Mr. FIRE refuses to eat vegetarian, he's not a fan of beans, and he can't be trusted not to bring home chocolate, chips, expensive cheese... you get the idea. He also has a tendency to order pizza if I leave him home alone, or eat the wrong leftovers.

Surprisingly though, food isn't a sore point in our house. We are happy to eat pretty simple foods, we don't stress too much about variety, and we've figured out how to eat some tasty comfort food on the cheap. 

The biggest challenges we hit are preventing food waste, and making sure we have enough easy meals for lunches and roller derby nights. We tend to cook bulk meals, and take leftovers for lunches and roller derby nights when I don't have time to cook before running out of the house.

Perpetual Meal 'Planning'

Firstly, we don't meal plan in this house. Setting specific rules for what we eat Monday, Tuesday and Wednesday always leads to us getting to Friday and really not wanting what we have planned. Instead we do what I am coining as 'perpetual meal planning' which is an ingredient based planning system.

Mr FIRE makes pizza!
This is why I love him
For ingredient based planning we rely heavily on Evernote as a recipe book. Mr. FIRE and I look up recipes whenever we want to try something new and save them to an Evernote notebook. This makes them easy to find later, but also gives us the ability to search by ingredient - which is the cornerstone of ingredient based planning.

The best way to explain this is with an example - Celery. Can we all take a moment to agree that celery is the most annoying food item out there. Every recipe I have calls for two or three sticks of celery, but you can't buy less than half a celery which way more than I actually need.

One of my favourite cheap easy dishes is Cajun Chicken Jambalaya (I'll put the recipe at the end of this post). Depending on your serving size and ingredients it comes down to $1.00 - $1.50 per serve and it's super tasty. However, it only calls for two sticks of celery, which means I end up with half a celery in my fridge going to waste unless I follow a perpetual meal plan.

With Evernote this becomes super simple, because I type in 'Celery' as a search item and recieve a list of recipes so I can use up my celery.


This becomes the list of what I am making this week. I'm a huge fan of this method because it reduces waste, gives me an easy list of meals to cook and saves me from actually thinking. Lazy meal planning is the best.

This becomes a perpetual meal plan for two reasons. Firstly, there will be something left over after I make all these recipes - for example Chicken Soup is on the list, and it requires one leek. Everywhere I shop for leeks they are sold in pairs so leek becomes the next ingredient. Secondly, we stock our Evernote recipe list with things that result in lots of leftovers. One celery normally results in four recipes, which results in twenty to thirty meals. By cooking four times, I feed us for two weeks of lunches and dinners.

Tracking leftovers

Managing leftovers is an important part of meal not-planning. When Mr. FIRE and I first moved out together we would often dig something out the back of the freezer and have no idea what it was or how long it had been there. The chickens ate well those days.

Hawaiian Chicken
Delicious! but not a cheap meal
Saturdays I do a leftovers check and work out what we'll be eating the next week. Generally we need fourteen things to get through the week - five lunches each, plus dinners on the nights I have roller derby. If we are running short we have a few tricks before we panic.

Firstly, lunches are an easy change. If we're short of leftovers then I don't take leftovers for lunches and simply buy sandwich supplies instead.

On the (very rare) occasions that we have more leftover than we need, I turn again to my trusty ingredient based, perpetual meal plan. If I have a leftover leek, then I can use it to make Irish Stew or Potato and Leek soup. The stew is great for also using up leftover carrots, but the soup is easy because it contains very few ingredients. If I'm in a place where I have too many leftovers, I pick the recipe that will use up my ingredients and leave me with as few perishable items as possible.

While I call it the perpetual meal plan, it's important for it to stop at some point otherwise you end up with far, far too many left overs and not enough time to eat them all. Admittedly, this is great because it gives us a week off cooking and still plenty of options to choose from.

Sometimes we will be very very short of leftovers. Generally after having too many and taking time off cooking, oops. If we are very short of leftovers, then I plan to cook something big the next night, which leads in to the next important consideration for food - shopping.

How we shop

Here's a trick that keeps our food costs down. Mr. FIRE and I hate shopping. We make snarky comments about sales items, laugh behind our hands at people buying bottled water and we hate slow walkers. We're those people. We get in, we get out and we don't meander or get distracted by shiny things.

Unless choc mint biscuits are two-for-one. We all have our Achilles heel, that one is mine.

To keep track of what we need, we use Evernote (are you sensing a pattern here?). Evernote is a shared document system, so we can update it on our phones are any time, and if once of us goes and buys bread we can take it off the list before the other person buys a second loaf.

Our list is split into three sections - Markets, Butcher and Supermarket. Mr. FIRE is responsible for the butcher and goes once or twice a week. I go to the markets 2-3 times a week for fruit and vegetables. We both swing by the supermarket as needed, generally after visiting the butcher or the market. We have no set shopping routine, we just head out to the shops whenever we need something.

Unlike Mrs. ETT and Adventures With Poopsie we don't shop at Aldi, we watch for specials at Coles and Woolworths, but generally we just head to the closer store. There are two reasons for this - firstly we don't do a bulk weekly shop and secondly we don't have an Aldi nearby. We pick our supermarket by convenience.

Homemade beef and black bean
burgers. I made the buns myself
so these were pretty cheap.
After investigating Mrs. ETT's shopping list I don't feel like we would benefit greatly by switching to Aldi. Shopping at the markets means that my fruit and vegetables are significantly cheaper than shopping at supermarkets, especially because I buy the ugly fruit and vegetables, which is often heavily marked down. The prices I pay are similar or better than those Mrs. ETT is paying at Aldi. Yay for markets!

While conventional wisdom is to do a big weekly shop to avoid impulse buying we have a different method. As I mentioned, we both hate shopping, but on top of that Mr. FIRE has minimal cooking skills (past making brilliant pizza) so he doesn't bring home anything he doesn't understand. I occasionally impulse buy vegetables, but I ride a bicycle to the shops. While I'm tempted to buy things, I always have to weigh up (literally!) if I could get it home on the back of my bike.

Managing costs

Finally the question becomes how do we keep our costs down week to week with such a haphazard system? No prizes for guessing this one, we use Evernote (and google docs). I track our spending through google docs and when our spending is low we eat whatever we want. When our spending starts to creep up, I pull out Evernote and I search recipes by cost.





I have tagged a bunch of our cheaper recipes with prices per serve - if our spending is looks like it will go over for the month then I search by price and pick out a recipe that we already have ingredients for around the house. Unsurprisingly, the 'Under One Dollar' search turns up a lot of soups.

We have one magic recipe that doesn't sit in our recipe book called 'Pasta Bake'. Pasta Bake is made from:

  • 500g of pasta ($1.80)
  • 1 tin of diced tomatoes ($1.60)
  • a jar of pasta sauce ($1.50, always stock up when they're on special)
  • 500g of beef mince ($4), or 500g of diced chicken ($5)
  • 500g of pureed beans ($1)
  • whatever veg you have lying around the house or can buy on super special - I recommend zuchinnis, onion, carrot, eggplant - ($3 - $4)
  • Top everything with a massive handful of cheese - ($2.50)
Cook the pasta in one pot, and everything else (except cheese) in another. When the pasta is done pour it into your biggest baking dish. Top with sauce, stirring as needed. Then top with cheese. Bake in the over for 20 minutes. Enjoy for days.

Pasta bake works out to less than $2 a serve and uses up all the sad leftover vegetables. It also seems to turn into a perpetual pasta sauce situation where I make far more sauce than I could ever possibly use. That sauce gets tossed in the freezer and next time I make pasta sauce I use the old sauce as a base for the new one.

Getting even cheaper - meatless lunches for me. 

Remember how I said Mr. FIRE won't eat vegetarian meals? Yepp, it's super annoying. I bulk out mince with grated carrot, zucchini and beans, but he gives me the stink eye when he sees me doing it. 

Sweet potato nacho
bake thingy... delicious, but
very weird.
One on hand, my kitchen my rules. On the other hand, I like Mr. FIRE and I try not to deliberately antagonise him. To balance out my desire for a super cheap grocery bill with Mr. FIRE's desire for meat, I occasionally cook us separate meals for our work lunches. 

Mr. FIRE has a very simple go-to meal - 2 chicken breasts, rice and frozen vegetables. I flavour the chicken in whatever seems like a good idea at the time (Lemon Herb, Honey Soy, Sweet Chilli, etc.) and split it out to five meals. Mr FIRE's lunches are under $10 for a week, but he says they don't entirely fill him up so we round it out with some baked treats.

This means I can cook myself my absolute favourite vegan lunch with mushrooms! Mr. FIRE is allergic so I have to cook this while he's out of the house. I got the recipe from the Frugalwoods, a simple delicious beans and rice recipe that is really filling and under $1 a serve.

The take away

This has been a big post, so let me do a quick wrap up.

Meal 'planning' tricks

- Cook things that create leftovers
- Plan based around an ingredient
- Keep track of what leftovers you have available

Shopping tricks

- Shop as quickly as possible
- Always have a list
- Don't take the car, the less you can carry the less you can buy

Keeping costs down

- Categorise your recipes so you can find the cheap ones easily
- Have some cheap go-to options
- Eat the occasional vegetarian meal. You'll survive, it might be delicious.

More Food!

Want to know how other Aussies are eating cheap while chasing the financial independence dream? As part of Epic Food week there are three other excellent posts your can peruse in case the Perpetual Food Plan doesn't tickle your fancy.
  • Enough Time To... is a solid meal planner, and she provides a list of all her plans for this week, plus a copy of the receipt so you know exactly what it cost.
  • Adventures with Poopsie also makes solid meal plans. She kept track of their household eating and shopping for for a month in preparation for her post. You've got to admire that dedication!
  • All About Balance is even more relaxed than me about planning. As a foodie she knows how to mix flavours and get a healthy balanced of meats, veggies and grains. Check out her post for a balanced approach to food.

Cajun Jambalaya Recipe

Ingredients

  • 1 chicken breast (approx 300g)
  • 2 ham steaks
  • 1 brown onion
  • 2 celery sticks
  • 1 green capsicum
  • 2 cups rice (uncooked)
  • 1-2 tablespoons cajun spice mix
  • 3 cups of chicken stock (hot)
  • 1/3 cup of tomato paste
  • Cooking oil

Method


  1. Preheat oven to 180degrees. 
  2. Dice chicken and ham steaks, then brown in frying pan with cooking oil of your choice.
  3. Dice celery, capsicum and onion.
  4. Place all ingredients in a large baking tray and cover with alfoil
  5. Bake until rice is cooked through (approx 45minutes)
Done - it's super easy and super tasty. You can serve with fresh tomato and sour cream if you want but I've never bothered because I'm lazy.

Use up the rest of the celery with a basic chicken noodle soup, minestrone soup and a chicken chow mein. Aim to end up with six servings of each recipe so you can take advantage of delicious leftovers.


Tuesday, 25 July 2017

Free books with Amazon Kindle Unlimited

Do you like books? I like books. Do you like paying for books? No, me neither. I re-read books time and time again to keep my book intake up without thinning my wallet.

Normally this is where you'd get a recommendation for a magical place called a 'library'. Except to get to a library you have to go outside where there are people, or wait weeks to borrow an e-book.

Thankfully, there's another option!

Amazon Kindle Unlimited

Amazon Kindle Unlimited is offering a 30-Day Free Trial where you can download and read any book you want immediately (assuming the author has signed up for Kindle Unlimited). It's like a library, but better because you don't have to wait for someone else to return the book.

If you're a big reader Kindle Unlimited can be amazing for your budget. I tend to buy a book a month for somewhere between $6 and $17. Kindle Unlimited is a measly $13.99 a month (or $10 if you're in the States).

I keep my book budget down by re-reading things constantly. I don't buy a new book in a series until I've re-read the start of the series, which means buying things less often and generally not at brand new prices. However it does mean that I don't get to read as many new things as I would like.

I read an average 2-3 books a month. With Kindle Unlimited I could be reading 2-3 new books each month, for pretty much the same price as buying one book. So it's not unlimited free books, but 30 days of free books, followed by heavily discounted books.

Read anywhere, without a Kindle

Okay, but LadyFIRE, I don't have a Kindle - no worries at all my good friend! You can download the Kindle reading app to your phone, tablet, or you can just read on your computer. This actually works out great for me because I have a tendency to forget my Kindle at home, or just forget to charge it.

Authors get paid!

Here's something important that happens with Kindle Unlimited that doesn't happen at your local library - authors still get paid. This is kind of important to me because I want authors to be able to eat, and put a roof over their head. These nice amenities tend to lead to authors wiring more books that I can read.

After a bit of digging around I've pulled together some numbers. For a straight out sale via Amazon, an author pays a 30% commission. So for that $10 book you purchased, the author only recieves $7. When Amazon does their daily deals and you pay a measly $1 for a book, the author only sees 70cents.

On the other hand, when you are using Kindle Unlimited, authors are paid by page read. This appeals to me in two ways - one, when I buy something that sounded great but turned out terrible the author still got my money, and that makes me a little grouchy. However, point two - if the author writes something amazing and I read it again and again, they get paid every time!

Kindle Unlimited uses a system called Kindle Edition Normalized Page Count (they're up to version 2.0). This is to prevent authors from using large font or paragraph breaks to try and push up their page count. With this system authors are paid approximately $0.005 per page. While that doesn't sound like much, it means that a 300 page book is worth $1.50 every time it's read.

Of course, for a well known author like Margaret Atwood (read the Handmaidens Tale! It's been out since the 80s!) $1.50 for 300 words is well below their usual earnings, but for an indie author just starting out Kindle Unlimited creates a great system where they don't have to convince people their books are worth paying for. You can test out a new author without committing money to them.

Not another subscription service

I'll be honest, I'm normally against subscriptions. A lot of people are wasting money with them by paying for things they don't actually use (remember Foxtel and having hundreds of boring channels) or they are wasting time by watching way too much Netflix. If you want to go to the library and wait for weeks for books to become available then that is better for your wallet.

However, Kindle Unlimited skips both of these issues because books are amazing. Non-fiction books can make you a better investor, teach you woodwork or a whole new language. Fiction books, well escapism is great and depending on your chosen genre you might end up knowing a lot more about the difference between a dragon and a wyvern that you could ever need (hint, count the legs).

Plus, in case you missed it at the start of the post, you can try it for 30 days for free. Don't like it? Don't pay for it. But give it a crack and see how you feel about the bliss of endless books.

Boring disclaimer time! Links to Amazon Kindle Unlimited are affiliate links. You still get a 30-day free trial, you pay the same price as everyone else, but I get a teeny tiny kickback from Amazon. If enough people sign up I could buy a coffee!!


Tuesday, 18 July 2017

Frugal date nights: Board Games

With winter well and truly set in frugal dates like fishing, picnics and hikes are few and far between. Mr. FIRE and I are still looking for ways to spend quality time together and while they largely involving building a nest on the couch, enjoying the wine and cheese and projecting a movie straight onto a wall sometimes we like something a little more intensive.

We play board games. Somehow we're still together....

Board games have been pretty integral to our relationship since it's early days. The first time I met Mr. FIRE's friends was over a long weekend and a game of Munchkin. It was also the first time I yelled at Mr. FIRE's friends, insulted a couple of them and did my absolute best to sabotage their game. Munchkin is a vicious backstabbing game that largely consists of bending the rules as far as possible and picking on whoever is in the lead. It was great fun.

Unfortunately Mr. FIRE and I are both the kind to bend the rules as far as they go, and our regular gaming group isn't particularly willing to break up our arguments. Many a game has ended with someone throwing cards down and leaving the room in a huff. We aren't allowed to play Munchkin anymore - in four years it's the only serious argument we've ever had. That and Betrayal at House on the Hill. Anything where the rules are wiggly and open to interpretation doesn't end well in the FIRE household.

However we still love gaming. We have friends over at least once a month to eat like teenagers, play Offspring too loudly and swear over dice rolls. We're all an introverted nerdy bunch of weirdos and having some structure to our interactions is great.

On top of playing with friends, Mr. FIRE and I like to game together occasionally. Unfortunately most games are made for 3+ players. Oh, they might say 2-4 players on the box, but they're pretty dull with just two people (looking at you Takenoko, with your cute panda and terrible gardener).

However there are some games that play brilliantly with two people. Paired with a small glass of mead or port, and some home baked snacks, they make for a brilliantly frugal date night.

Disclaimer: All the links to Amazon in this post are affiliate links. If you go on to buy the game I'll make a little bit of money at no extra cost to you. Click a link and feed a starving blogger? :) 

Lords of Waterdeep

This is a favourite in our household. In Lords of Waterdeep: A Dungeons & Dragons Board Game you don't play any lowly adventurers seeking glory - you play the Lords sending the cannon fodder adventurers to glory. Of course you take a cut of their glory.

Lords of Waterdeep is a worker placement game. In each round you can take a certain number of actions to do things like visiting places in town to recruit adventurers to your cause, building new stores in town and collecting quests.

The game is brilliantly balanced so that building new stores brings you ongoing benefits - if people visit the store, and certain quests give you extra abilities moving forward like bonus points. Halfway through the game each player is given an extra action each round - if no one has built a building by this time, then there won't be enough actions available each turn.

Playing this game in our house is reasonably quiet as you try and plan each move, and build up fallback plans in case something goes wrong. Most actions can only be done by one player each turn (for example, only one person each round can visit the plinth and recruit a priest) so certain spaces are a hot commodity. While we plan in near silence, there's always a little friendly abuse if Mr. FIRE takes the space I needed to finish a quest.

To add an extra twist to the game, each player is assigned a Lord at random at the start of the game. Lords receive bonus points for completing certain quests, for example Brianne Byndraeth earns an extra 4 points for each Arcana and Skullduggery quest, while Mirt the Moneylender earns 4 bonus points for each Commerce and Piety quest. These aren't revealed till the end of the game, so while you can take a guess at the bonus points, you never quite know where your opponent is up to.

Side tip: There is also a Lord call Larissa Neathal, aka 'The Builder'. She scores 6 points extra for each building. While this is great in a multiplayer game, in a two player game there isn't really enough competition for spaces to make her worthwhile, I suggest taking her out.

Photo credit: deskovehry.com
Lords of Waterdeep is a rather deep game that takes around an hour for a good solid play through. The first game may take a while as you work out all the rules, but you won't play much faster as you get more familiar because there are plenty of intricacies and plans to be made and games often come down to one or two moves.

If you already have Lords of Waterdeep, I strongly recommend adding the expansion Scoundrels of Skullport into your collection. It's actually two expansions in one, the 'Under the Mountain' expansion, and the 'Skullport' expansion. Under the Mountain is a simple 'more stuff' expansion that creates more town spaces, and gives you a couple more Lords.

The Skullport expansion introduces the concept of corruption. There are quests and town spaces that give you a lot more money and units than usual, but they also give you corruption tokens. These cost you points at the end of the game, and the more in play the more costly they are. The spaces are oh so tempting though, and it's hard to keep a clean slate.

The Skullport expansion has a lord call The Xanather who gains 4 victory points for each corruption token. Unfortunately he still has to take the penalty for having the corruption, so he's pretty worthless. I'd suggest removing him from the game.

Carcassone

Lords of Waterdeep is a big intimidating game with a 24-page rulebook and at least 15 minutes set up on your first game. By contrast, Carcassone has a trifold pamphlet that you can skim read in five minutes or less. There is also zero set up for the game, you can play straight out of the box. All you need is a big open table, put the box within arms reach, and you're ready to go.

Our version came with a mini-expansion called 'The River' which gives us 30 seconds of set up time, and a bit of structure for starting the game. Once again, all you need is the box within arms reach and a big open table. To set up The River expansion, grab the river tiles out of the box and play them first, then go on with the rest of the game.

Carcassone is beautiful, relaxing and deceptively simple. You can your friends (2-5 players, and good with any number) and slowly putting together a countryside by laying tiles. With the river expansion you start by placing the source tile (the start of the river) and lay out the river one tile at a time before ending at a small pond. After that you can expand out into building more of the country side.

The rules are pretty simple, pick up a tile and place it down. You have to place your tile against an existing tile (which is why The River expansion is so nice, it gives you somewhere to build from) and your placement has to make sense - for example there are roads, towns and open fields. When placing tiles roads must touch roads, towns against towns, and fields against fields.

Photo Credit: The Board Game Family
Whenever you place a tile you have an option to place down a meeple (cute little person shaped tokens) on the road, in the town, or in the monastery. Each feature scores points, once it's completed. For example roads start and end at towns or villages, once a road is completed you score 1 point for each tile. Towns are worth 2 points per tile, and need to have a complete wall. Monasteries are worth 1 point for the monastery, and 1 point for each surrounding tile, scored when the monastery is completely surrounded.

There is also the option to play a farmer - by claiming a field the farmer scores 3 points per adjacent completed city at the end of the game. The field stops at any road, river or city - to be honest we've never played with farmers. We treat it as an optional extra and have enjoyed the game without it plenty of times.

In the game you have only 7 meeples, and you don't get them back until they score so it can be stressful committing your last meeple to the board. You can also force and opponent to share their hard earned points by connecting your road or town to theirs. If you have an equal number of meeples, you both score the full points, however if one player has more then they get all the points and the player with less gets nothing.

Other than that, Carcassone has very little opportunity to back stab your opponents, it's largely a peaceful game of building a beautiful countryside. Beautiful isn't an exaggeration either, the artwork in this game is wonderful, with plenty of cute little details, but still simple to understand at a glace. It's a wonderful, easy to play game that even Mr. FIRE and I can't fight over.

Pandemic

Finally, sometimes it's nice to work together on a board game. Pandemic pits you and your friends (2-4, more players makes the game harder) against four virulent diseases that have broken out worldwide. You take on various roles of CDC researchers and you travel the world curing breakouts and trying to research a cure before mass panic breaks out and everybody dies.

This game is brutal. Absolutely horrendously evil. At the start of each turn you draw from the player deck, what you hope for is cards that will help you develop a cure. Sometimes your turn up an Epidemic, where all hell breaks loose.

To understand why Epidemics suck (apart from the obvious implications of the name) you have to understand the 'infection phase'. In a normal, not horrible round, you draw from the player deck, and then run the infection phase. In the infection phase you flip cards in the infection deck and place disease tokens on a city as instructed by the card. The harder you've set the game, the more cards you flip. Once you've pulled a card it goes into the discard pile, and you don't have to add diseases to the city again. Unless...

If you've drawn an Epidemic then you first grab an infection card from the bottom of the pile and place three disease cubes on that town. You then shuffle the discarded infection cards and place them on top of the infection deck. Then you draw your infection cards, piling more diseases onto the already sickened cities. If the game asks you to add more disease cubes to a city that already has three, you have an Outbreak and you need to place disease cubes in every adjacent city. If one of the adjacent cities already has three disease cubes, then other Outbreak occurs, and the disease keeps spreading.

It is nasty. You then have four actions in your turn (move, heal, research a cure) to try and mop up the damage.

To win at Pandemic you need to research all four cures. Thankfully you don't need to wipe the diseases off the board, just figure out how to do it. The mop up happens post game.

To lose at Pandemic... well, there are so many ways! If you run out of disease cubes and cannot place them on the board when required, you lose. If more than seven outbreaks occur you lose. If you run out of cards in the player deck, you lose. In each case the in-game explanation is that the people of the world have panicked, rioted, and probably died. Yay!

Despite this, Pandemic is a great couples game. I suggest playing with cold drinks and cold snacks, because you'll be so engrossed in planning saving the world that any warm food will go cold before you remember to eat it. Pandemic isn't really played a turn at a time - you'll map out your plans for the next three to four turns, agreeing on an action plan to save the world. And then, halfway into your plan you'll draw the wrong card and have to start all over again.

When we first played Pandemic we lost horribly and constantly. After about twenty playthroughs, we actually started to win consistently. So we bought the expansions.

We have two of the expansions and since we have never beaten the second expansion, we haven't bothered to buy the third (State of Emergency, if you're curious).

The first expansion is On The Brink. It comes with two ways to make the game harder, Mutation events or the Virulent Strain challenge. In Mutation events one of the diseases mutates (surprise surprise) and you now have a fifth purple disease to cure. In the Virulent Strain challenge one of the diseases becomes extra bad with horrible rules like 'put down two disease cubes instead of just one'. We've beaten both of these challenges, but not at the same time. This game is hard, did I mention?

The second expansion is called In The Lab. You can't just wave your hands and research a cure anymore. You need to collect samples of the disease and process them through the lab. This is impossible. Losing still makes for a great date night, but we've never won this game.

(Technically, Mr. FIRE won this game once, but I wasn't there so it doesn't count. He was playing with a guy named Jesus - miracles are required to finish this game!)

Frugal wins?

At a glance board games are expensive. I bought mine for $60-$80 each. The current prices seem to be sitting around the $20-$40 mark, which isn't so bad. It all comes down to how much you play the games. If you only play them once or twice then they are a huge expense, but you can easily play them enough that they come down to a $1 an hour dollars to fun, or even less.

After the initial outlay for games the only cost for a date night is dinner and wine. Since you eat every day anyway (I assume) date night can be 'free'. However to jazz it up a bit Mr. FIRE and I play games with a glass of wine and a bowl of snacks. Depending on your budget this could be a fancy antipasto platter complete with stuffed olives, or a name brand packet of potato chips.

Whichever way you choose to go with dinner, you can knock out a wonderful date night for $20 or less. You have to interact with each other, probably yell at each other, and you'll have to focus on each other - no one wins a game with a phone in their hand. And winning is the most important thing. Right..?

A quick 2023 check-in

I have been away for a tumultuous 12 months. I made a lot of changes. I changed career, I removed my birth control, and I very nearly ended...