The Beginning of our Journey

We are excited to start "Down on Frugal Rock" blog today. Here you will find posts about various frugal things. From grocery tricks, recipes that don't break the bank, to how we find happiness in the simple things, and so on. We can't wait to share our journey with you. Over the past years we have learned a lot that we are happy to share and still yet more to discover. So stay tuned, and please mash that subscribe button.

Cheers,

Mr. & Mrs. Frugal Rock

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Fresh Pickles that require no boiling

Alright, I’ve searched far and wide and I finally figured out a recipe for pickling cucumbers that doesn’t require a boil and makes them a-mazing. Here it goes. ~ 3 cucumbers 1 cup of Water 1/2 cup vinegar 2 tsp salt 1/4 tsp sugar bunch of dill (like 5-6 sticks) 3-10 peppercorns (optional) 2 jalapeños for the spicy (optional) 1/4 white onion for a little kick Mix all ingredients minus cucumbers and dill in a measuring bowl cut up cucumbers stuff them + dill in a mason jar, you’ll need a few small ones or one big one. fill the jar up to covering the cucumbers cover it give it a good shake fridge that Enjoy in 24 hours and for up to a few weeks.

End of Year Review and Yearly Planning

Hello fellow frugal peeps, and welcome to the end of the year! It has been another doozy of a year in 2021, and also a fun one. Like many people do toward the end of the year we are at a moment of reflection as we look back at the good things, and the opportunities to improve. When it comes to financial planning we use the month of December as a way to review the year and plan for the coming year and reevaluate how we are doing on our long-term plans. To do a long-term plan, one needs to have goals. The goals that we have are 1) retire early (shocker), 2) have some fun (interesting?), and 3) enjoy life, 4) financial independence (FI). For our long-term goal of retirement, we do investments mostly, we track our monthly investment installments as a percentage of our income to see the trends over time. This year we did pretty well, with a mean monthly investment of 32% of our income. Our investments did really well, we mostly stick with index funds. I know it's not as sexy as crypto,...

Market is Low due to Coronavirus, We Say Best Time to Buy

A lot of people try to time the market. This single act creates panic, stress, and overall horrible habits in investing. We as a society have a knack for looking at the daily happenings for something, when we really should be doing is looking at the 5-10 year outcomes. The stock market has dipped, once again, like it always does, and this time for the Coronavirus. If you look at the past month, sure, it looks "bad". Credit, Vanguard.com S&P Actually yesterday we had a decent bounce back, yay? This is people panicking that don't have their investments on autopilot. This will always happen when something impacts business. People get scared, and they hold on to the money they would have invested. Let's zoom out a bit and look at the 5 year overview of the S&P. Credit, Vanguard.com S&P Woh, still on the rise! That is the lesson here. The market is a rollercoaster on the daily/weekly/monthly scale. If you zoom out and smooth out the graph to have...

Down on Frugal Rock

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