How the corona virus is affecting my finances

mmmm…….bread

Like basically everyone on the internet, I decided to learn to make bread this weekend. A coworker offered to teach me over video chat, and it was such a cool experience!

I have literally never made bread before. And not that I need to be buying fresh bread every week, I LOVE bread. So I thought having this skill in my arsenal wouldn’t be a bad thing. We spent the better part of the day (6 hours) prepping, resting, rolling, folding, and finally baking the bread. Was it perfect? Absolutely not. Was it delicious? Oh you bet your butt.

Let’s see, what else? I have been in a grocery store twice in the past 8 weeks, and this has definitely lowered my grocery bill. I am working my way through everything on hand and finding new things to use up daily. I am not going for coffee or drinks with friends, but once a week I am ordering take out from a favorite local spot. So this line item of my budget is also considerably lower. I do get an Imperfect Foods box weekly (mostly produce) so this allows me to have fresh fruits and veggies, and requires that I actually plan accordingly to eat it all.

I will admit, that the first few weeks of home quarantine I definitely spent way more money than I needed to. I was worried about all my favorite local businesses, and my favorite animal rescues, and basically threw money at them all. I don’t regret it. I feel like I’ve contributed, and I ended up with some really cool swag. (I have enough sweatshirts for all of eternity, please don’t let me buy anymore. ever.) I bought a few gifts and pre-paid for a haircut with my friend. She needs the money now and will happily cut my hair when it’s safe to do so again.

On top of that, I’m not driving regularly, and not parking downtown. This is saving me heaps of money as it costs $18 a day downtown, and I typically put gas in my car about every 10 days. Now it’s more like every 40 days. And since I am working from home I don’t need to pay for any transportation or parking costs.

All in all, I think I am probably coming in about even, maybe saving a little money. I think the longer this continues, the more I will save, balancing out the money I spent initially. How about you? How are you handling your finances through this?

More frugal things (because it has just been that kind of week)

  • Back in January I bought tickets to a concert for my closest friend and I for her birthday. It was scheduled for June 24th and I was crossing my fingers that by some miracle we would be able to attend. Of course, the show has been cancelled. While I am super bummed, there will always be another show. And this morning I saw that the cost of ticket was refunded to my account. So that money went straight into savings.
  • While I was online looking at my bank statement I noticed two charges of $70 from Instacart (the grocery delivery app). Yesterday I ordered groceries for delivery and they put a hold on your card of a certain dollar amount, and then refund you the difference based on what you actually spend. But twice? That didn’t make sense. So I reached out to customer service, and if it doesn’t disappear in 10 days I will contact them again for a refund. It always pays to check your statements people!
  • I have been eating a lot of snacky bits instead of full meals these days, and that works just fine for me. Half a bowl of steamed rice? Snack. Leftover broccoli? Snack. Strange, but it’ll do and it will prevent food waste!
  • I sent referral codes for Imperfect Produce boxes to three friends and they all signed up! I should have $30 credit for this so that’s very exciting!
  • Not exactly frugal, but I have been sending at least one card a day to a friend or loved one. I think it is so important to stay connected now more so than ever. And everyone loves getting mail that isn’t a bill. So I am happy to send random cards to the people I care about to brighten their day.
Wayne and I on Earth Day two years ago. He kept saying “Momo hair” as the wind blew my hair in my face. He would very carefully pull the hair aside, only for the wind to do it again. Sigh, hair Momo. One of my very favorite memories with him.

Covid 19 Frugal Five

1) I’ve been eating meals on repeat so as to not waste anything. I don’t mind eating the same meal day after day. It’s actually nice not having to think about it.

2) I’ve been using up what I have, since going to the store isn’t an option. Today for lunch I had purple potatoes, broccoli and egg. Random, but it worked! And I didn’t waste those random bits of food.

3) Because I am driving so infrequently, I filled up my tank of gas this week for the first time in 5 weeks. While I typically don’t drive a ton, rarely does a tank last a month.

4) I baked blueberry muffins. My mom’s muffin recipe is amazeballs. And buying a dozen muffins anywhere would certainly cost more than the ingredients I used to make them (including frozen berries I picked last summer)

5) I traded with a friend. I offered up two quarts of chicken stock, plus a quart of chicken soup and half a dozen carrot cake cupcakes. She shared home made gnocchi and scones. It was such a lovely way to show that we care for one another, while still remaining apart. And let me tell you, that human knows what they are doing in the kitchen and I will now need to learn to make gnocchi.

What about you? What have you been up to lately?