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.

Categorizing your life, 2 year check in on 10 year goals

A few years ago we wrote a post outlining our 10 year plan . As part of our annual planning we decided to do a check in to see, how are we doing? Well… we are doing okay. We’ve invested 18% (goal 20%) of our income over the past year (yay!), we’ve put 35% towards the house (goal 50%), and the remainder went to cost of living, which was a bit over our goal of 30%, double to be in-fact, eeek! Well some things happened last year. We moved to a new neighborhood that had better schools for Little Rock. We ended up moving to a town where two cars was critical, so we picked up another car. We also decided Little Rock needed some socialization so we signed her up for a preschool 2x per week. So all and all, things we needed to do for our little one. Family first. So what did that mean for our goals? Well, we will try to work on that a bit in the new year. We can still make our house payoff by 2030 (and save 100k in interest, I’m not joking). We use YNAB to budget our money. We follow the way

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,

Down on Frugal Rock

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