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Goodbye spendy summer, hello frugal fall

Goodbye spendy summer, hello frugal fall


Morning of the last dragon boat festival of the year

We’re heading into Autumn and we kissed the summer goodbye at an End of Summer bonfire & BBQ party on the Mississippi River (no, not that one) this past weekend. It was a classic Canadian fall day where you leave the house bundled up in a sweater because of the chill and then by 2pm you’re boiling hot and the sun is beating down on you. Then as soon as dinnertime hits, it’s cold and dewy again. A friend from dragon boat hosted a lovely afternoon at her house and it was nice to be outside on what will probably be one of the last warm days of the season.


Em-eye-ess-ess-eye-ess-ess-eye-pee-pee-eye

Dragon boat ended the last week of August, another season under my belt. It’s just as well: the kids were back in school the following Monday so over the long weekend we tried to get as many lingering “big” chores done as we could. Like many folks, this included cleaning out the garage and selling or giving away a few things that we no longer use. Since many people use this weekend to clean out their garages, enough folks were driving around scouring the neighbourhood for free stuff that we didn’t have to haul a lot to the dump. WIN/WIN.

Summers tend to be lackadaisical here at The Mullet. We don’t tend to eat together, we all have different activities, different schedules and different sleep patterns. The week before school starts we tend to tighten it back up slowly by meal prepping, organizing school supplies (and buying only what is needed), doing more baking for lunches, and getting to bed before midnight. The summer is also for random visits to the ice cream parlour, hot dates on patios, overspending at events, hitting the local microbreweries & food trucks, and hosting parties. It tends to be a very spendy time of year but I don’t think about it much. But the end of summer also marks the tightening of the budget.


These Ground Cherries went into into an amazing spice cake

This year we’ve been hit by a bunch of random expenses (which honestly, aren’t random at all). I have to pay quarterly taxes this year because it makes more sense for Mr. Tucker to claim most of the tax credits. The pool heater died 3 months after the warranty was up. We redid the floors in the condo, the car needed some work, we had to buy a new dishwasher (and pay a plumber to install it, we tried but the pipe needed to be cut down), and of course our car insurance doubled because The Eldest is now driving. When I say random, what I really mean is that I always have money tucked away for emergencies or for planned spending but a lot came at us at once so the accounts are on the low side. It happens.

But I also know I will feel better if I watch my spending for a bit. The kids have their own budgets to manage and I just will be a bit tighter with my discretionary spending for awhile. I have a trip planned with some girlfriends in November *and* I am throwing myself a 50th birthday bash a week later, so a lot of my discretionary spending over the next two months will go towards those two things. I find our spending ebbs and flows during the course of the year and I get more or less spendy depending on the weather.


A friend’s 50th birthday! There are a few of us this year

Now that fall has ushered itself in, so has my desire to stay close to home. It’s just as well, our garden is overflowing with peppers, tomatoes and herbs and it’s about to get busy with the processing for winter. Tonight I fire roasted some tomatoes, made a salsa and then I crushed & froze 2 litres of tomatoes for future meals. More tomatoes are ripening and I’d like to get some sun dried tomatoes done before the frost comes. We usually get bulk apples (does anything represent September more than the humble apple?) from a friend but it looks like her family is retiring from the apple biz, so I will have to hit the farm stand up the road to get some fresh apples. I like to chop a bunch up & dehydrate some for winter…and of course we eat a pile of them because they’re so good this time of year.


I am probably one of the few people who know their family eats 10lbs of fresh garlic in a year

Other than that, it’s helping the kids get organized for school & activities. The Youngest is doing her snowboard instructor training this year as well as volunteering at the library. She recently discovered that she can read books and write reviews on them in exchange for volunteer hours and so she’s over the moon! She came home from the last volunteer meeting with a giant pile so it looks like she will tackle that. The Eldest and I are still hammering out what courses she needs for university. It’s been a stressful and chaotic beginning to the school year because it feels so *dire* to be choosing what classes to take for her last year of high school in order to get into the programs/schools she wants. I’ve told the kids that nothing is set in stone and that life has many do-overs but it’s still stressful for a 17-year-old to try and figure out a path for a career she wants to spend 3-5 years in school for! She can always switch majors but I get it – it’s a lot.


The last BAC show of the season. Next year is MEH so we will be skipping

Labour day also marked one of the happiest changes of the season: it’s video game time again! I quit playing games from May to September because I like to be outside more. It’s just a good way to prevent myself from staying inside and being a mushroom with thumbs. I know that I am late to the party but I am still working on The Witcher 3. Will I finish before The Witcher 4 comes out? Stay tuned! I’d also like to play Cyberpunk this winter, it’s just sitting there on my Steam account taunting me. I don’t tend to watch a lot of tv & movies generally but in the summer it drops to zero. Still, I have a few shows to watch – like the last season of Taskmaster – which will keep me company now that sitting outside is less of an option.

I guess that’s what makes it a frugal fall: video games, tv and food preservation. But mainly, it’s staying close to home & having fewer social events as the cold weather hits. By next month Canadians realize that life doesn’t stop for weather and the transition back into social events will begin in time for spooky season.

It’s a cruel, cruel summer

It’s a cruel, cruel summer

Well, I made it to Canada Day and we had a lovely BBQ and pool party with friends. It was the grand finale of a super busy period of our lives. Afterwards, we settled into a more chill summer vibe with The Eldest biking to her summer job everyday and hanging out with friends when she wasn’t working and The Youngest doing camp and hanging with friends when she wasn’t at camp. Mr. Tucker started biking to Muay Thai & I paddled twice a week leading up to the dragonboat festival in June (we won second place for the 200m in our category, thank you very much!). But life is not all roses and there was a horrible loss of one of The Youngest friend’s on the second-last day of school & it has cast a shadow over the summer as she works through the emotions that come with losing a friend.

I got overly-excited about an add-on for my CSA that added locally grown berries to our weekly order that I chose the largest sizes possible. I have made SO MUCH jam and have frozen SO MANY berries! Future me will appreciate it in the dead of winter when I can whip up some berry muffins with this summer’s berries. But today me sure cursed myself as I chopped fruit up and sterilized multiple jars.





July saw Mr. Tucker take two weeks off of paid work…to do work at home. We continue to clean out the dusty corners, repaint, organize and decorate the house in a more permanent way. While I felt increasingly unwell and exhausted, he got to work cleaning out closets, selling and donating things that we haven’t used or things the kids have outgrown. We also hosted a craft night for a friend’s birthday.



Sadly, the thing that was sapping me of my energy also landed me in the Emergency Room by the end of the month. Four hours later I was in surgery and I go back in on September 2nd for another surgical procedure (I am – for all intents and purposes – doing ok). I spent 4 days in the hospital covered in ice packs with a high fever that 1000mg of Tylenol (why don’t they just say 1 gram?) would barely touch. It was truly awful. The way I was raised guarantees that I will only go to the hospital when I am on death’s door. I gaslit myself so hard that it was all in my head that the doctors and nurses were horrified that I lived with so much pain for so long. I definitely was an absolute moron for not going sooner. Story of my life.

In August it was record wildfires and heatwaves. Friends stopped in to swim and escape the environmental catastrophe for a few hours. Judy[1] came up from California to visit & to do some recon (more on that at some point) and being able to see her and to have a fun swim party with the Cohens was an amazing way to catch up. Sadly, our tenant left on August 1st (but is paid until October). He was so great and I wish he had stayed longer. However, we will get the floors done in the condo and put it up for sale again hopefully by the end of the month. Cross all of your crossables that it sells quickly.

The Eldest passed her G2 driver test so now she can a> drive on her own, b> needs her own insurance. That little slice of heaven will cost more than what Mr. Tucker & I pay to insure both of us, together. We came to an agreement that she would pay part of her insurance (and any gas she uses) to get her used to the fact that car ownership is eye-wateringly expensive (this amount is proportional to her income as the point is to get her to appreciate and understand the responsibility, not to make her shoulder the exorbitant cost). She is only insured as a casual driver so I explained that she will rarely get the car but the idea is for her to build an insurance history so her rates go down. But, one at-fault accident and we pull the plug because her rates will double and that puts it out of the realm of affordability for us (and her – it would eat up 2/3rds of what she makes in a summer). She will continue to use the red and white limousine or her bicycle for most of her transportation needs.

The rest of the summer is all birthday parties and more dragon boat festivals.


We also headed to our local bike store to get tune-ups & to buy new helmets


…this is the bike store dog!


…and we had lunch dates

September is on our doorstep and the weather just turned from scorching to autumn this morning as the heatwave broke overnight. I woke up to some much-needed rain and when I got up I threw open all of the windows and the patio doors. The next couple of weeks will see the back-to-school chores begin: dental appointments, haircuts, and buying school supplies. The Eldest has a one week break between work and the start of the school year and we are going to spend it looking at post-secondary options so that she can redo her timetable if she needs to, depending on what programs she is looking at. She won’t be teaching skiing this winter, and instead will concentrate on school and getting her volunteer hours to graduate. I cannot believe she is already in grade 12. The days are long and the years are short, indeed.

[1]These are my Americans, get your own.

Harvest apple galette

Harvest apple galette

I do plan to post all of the canning and preserving recipes here for posterity but since I am knee-deep into apple season I thought I would post a simple dessert recipe. Unlike a pie which requires shaping, a galette is a free form pie that is more rustic. Because I use butter in this recipe, expect the crust to not be as silky as a crust made with seed oils or lard. Butter makes it more crumbly but has a lovely taste comparatively.

Essentially, I have based my recipe on this Mixed berry galette recipe but because I wanted something easier, I took some shortcuts. Instead of 8 small galettes, I made one large one. I also adapted it for the stand mixer (can you tell that I am lazy?). Also, keeping with the rustic (read: lazy) theme, I don’t peel my apples. That way, I can whip this recipe up in about 20 minutes of hands-on time.

Sweet Shortcrust Pastry:

1 ½ cups all-purpose flour
¼ tsp fine sea salt
¼ cup granulated sugar
½ cup cold unsalted butter, cut into small cubes
1 large egg, lightly beaten
2 tbsp heavy (35%) cream

Add all of the dry ingredients into the bowl of the stand mixer. Using the paddle attachment, let the machine run on the lowest setting for 1 minute. Add the butter & continue to let the machine run on low for 1 minute & then switch to 3 until the mixture is well blended and the butter is the consistency of small peas. Add the egg and mix on low until incorporated then add the cream and run the machine until the pastry comes together. Wrap the dough and put in the fridge for ½ hour to let rest.

Filling:

4 cups of chopped apples
¼ cup of brown sugar
1 tbsp cornstarch
1 tbsp fresh lemon juice (about ½ of a lemon)
Grated zest from 1 small lemon (about 1 tbsp) – optional (but I like the zing it gives)

Add sugar, cornstarch & zest into a bowl and mix well. Toss in the apples & juice and mix well.

Assembly:

Roll out the crust to about 12 inches in diameter. Remember, this doesn’t have to be perfect so it’s ok if the edges are scraggly. I like to roll out the dough in between a Silpat and a piece of parchment paper with the finished product ended up on the parchment paper. Lift the parchment paper/dough onto a baking tray & center it. Take your apple mixture and pile it into the centre of the dough, leaving at least 2 inches around the outside. The juice from the apple mixture may leak over the dough, don’t worry about it. Start to fold up the edges of the dough around the apple mixture, working your way around the circle until it’s all folded up like a little basket. I find it helpful to lift the parchment paper up & over the apple mix as you work your way around the circle to let gravity help the dough roll over.

Bake in a preheated 350F oven for 30-35 minutes. Serve warm with ice cream or whipped cream.

It’s been a hot minute – what I am up to

It’s been a hot minute – what I am up to

WELP. The idea of writing consistently here this year as a New Year’s resolution didn’t happen. Still, I’ve not really spent a lot of time on social media this year and I have definitely kicked my facebook habit (and replaced about 50% of it with an Instagram habit – oops!). Of course, the pandemic is still out there pandemicking but the kids are back in school so that is nice. We had a great summer of outdoor socially distanced hangouts, and now we are settling in to have a lovely autumn full of fun fall activities. But first, maybe a roundup of what has happened in the past 6 months since I last wrote:

Cottaging on Manitoulin island: we have probably shut the door on camping/cottaging with the two other families. Since Sprout was 2, we’ve either Glamped in Quebec parks or we’ve rented cottages. This year we had a lovely week in Dominion Bay where the kids could run around, play games and go for long walks. My friend S did her yearly craft camp for the kids & there was woodburning, leaf painting & other projects completed. I mostly read, and we even headed out to an outdoor farmer’s market (a pandemic first for me!) where I bought cozy wool socks for me, rings made out of antique spoons for the kids, and a pepper grinder from a woodworker for Mr. Tucker.

Unfortunately, during the pandemic there was a run on cottage rentals and even though we tried to book for next year early this summer, there was really nothing to be had that wasn’t $3000 a week – a bit steep. Also, our kids are much older now: Sprout is going to be 12 next year and the oldest kids will be 16 and will probably have jobs. It’s been a good run but it’s time to move on. Not all is lost though! More below!

Gardening: this was our garden’s second year & like the first year we kind of took the “set it and forget it” approach. Still, we got a lot out of it despite the chaos and have learned that we can probably sow an early spring garden, a summer garden & a fall garden. We did end up sowing a fall garden but a little later than I would have liked so who knows what will happen? Despite the cold, the tomatoes are still producing and the basil is going strong. Heck, some of our herbs – like lavender, coriander & dill – have re-seeded and are producing again. Since our goal is to bring those herbs inside for wintering under grow lights, I am happy to see it!

Hopefully we will get some cool weather crops before the snow flies! Then we will pull the dying plants, lay on our home made compost and let the beds winter. Otherwise, we have garlic to plant for next year before the winter sets in.

    Canning, preserving & gleaning: we did most of the things we had done last year that we had enjoyed,

– Horseradish dill pickles
– Tomato sauce
– Spicy dilly beans
– Strawberry and raspberry jam
– Sundried tomatoes

    Some new things,

– Both dill and sweet mustard relish (made when our cucumbers turned yellow)
– Red onion and beetroot chutney
– Marinated eggplant

    Some boozy things,

– We made Nocino from friend’s black walnuts
– We made a bachelor’s jam for Winter Solstice/Yule
– We are now trying our hand at plum wine from our friend’s plums

I am going to do an entire post on all of the things we did & some recipes sometime soon. What’s notable though is what we didn’t do: salsa or tomatillo salsa. We really weren’t going through it as quickly as I thought we would, so we focused on tomato sauce instead.

Money Mondays: this is still going strong! We’ve done sessions on a bunch of things such as the Disability Tax Credit, had a guest speaker to do a presentation on wills, and next week I am doing one on budgets.

Health: the good news is that the ALS clinic told me that I am doing well enough that I only have to come in once every two years! The nurse told me that this was the first time she’s heard the doctor tell someone that so I am pretty proud. Still, I could be doing more work on my health to be quite honest.

– Mr. Tucker and I are taking long walks (I bought a yellow tricycle, which is what I usually take) weekdays. We grab the dogs in the morning, walk Sprout to the end of the street, then we walk the Bean to her bus stop & then we head down to the river for a longer walk (or just through the neighbourhood on busy mornings). It’s been really good for us both to be forced to get up, washed, dressed and out the door. Otherwise we just lounge around the house in our jammies.
– I plan to do #folktober next month to work on my fine motor skills with painting. I bought some nice watercolour paints and I need to encourage myself to use them. Wish me luck!
– I need to clean out my knitting basket to make it more user-friendly. The Sprout reminded me that I said I would teach them to knit and I still haven’t. So again, in the interest of my fine motor neuron skills (and keeping my promise) I should pull that out again.
– My vitamin regimen has made my cycle much better and that in turn has also helped my spasticity.
– I haven’t had alcohol since October 28th, 2020.
– My skin has been just awful so yesterday I was tested for a bunch of things (celiac, thyroid) and my GP is making me appointments with two dermatologists, so we will see how that will play out. I figure this may be an ongoing saga for awhile as appointments are sparse due to the pandemic.

Finances: shockingly, Mr. Tucker has made the decision to work longer in order to put more money into some house-related projects. This means we’ve eased up on our intense budget and instead we are buying more things that bring us joy. For example, we are trying to rehire our old housecleaner again as we’ve decided that our weekends are probably not best spent arguing with the kids over chores. They both know how to clean an entire house so we’ve done our job here. They’ll still have chores, just less of them.

I have also increased our a> grocery budget; and b> our pocket money. We are still saving at an amazing rate but we aren’t as intense as we were for most of this year. We hit our prepayment amount for our mortgage & will contribute to Mr. Tucker’s retirement accounts (but to a lesser degree).

Instead we are also going to…

Travel: both near and far. When we were on Manitoulin Island this summer we made the decision that if cottages were going to be $3000 a week that we would be better off booking a trip down south instead. So that is what we have done. We have tentatively booked a vacation to Jamaica next winter (covid willing!). We booked our flights & house rentals but we did manage to get good cancellation policies so we will see where the world is at come winter.

We also have decided to treat the kids & take them to Canada’s Wonderland for the Halloween Haunt. We ended up buying season passes with another family in the hopes of going back for a couple of days next summer as well.

I would like to also do more things close to home such as heading to various Halloween-themed (outdoor) events in our area. After a year and a half of being stuck at home, I am eager to spread my social wings!

So that is about it for changes around here. Mostly my days are spent reading and parenting & watching shows or playing games as a family. I think we’ve turned a corner on covid – at least in our area of the world – so I hope that stays steady. Overall, life is pretty good.