Browsed by
Tag: summer

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.

It’s a cruel, cruel summer

It’s a cruel, cruel summer

This year we didn’t go away in winter, instead we saved our money in order to pay off our house (which we will do in September). So naturally, I spent most of the winter looking forward to the summer when I could spend most of my days in our gorgeous backyard swimming, gardening and enjoying the sun. I was also looking forward to getting back into Dragon Boat as I hadn’t been back since the pandemic.

Man plans, god laughs

The youngest child also joined a Dragon Boat team this year and we both spent Saturday of the Dragon Boat Festival racing, enjoying the company of our friends, cheering on other teams and eating fun food. We went home Saturday night and had a lovely sleep after a big day with an early start.

Sunday morning was already looking dicey with the wildfires but we headed off in a friend’s car under the glowing red ball that was the sun. I am kicking myself in retrospect but instead of changing into a pair of sneakers, I just kept my slide-on Crocs on. I should have taken the 2 minutes to change but I was eager to get to the tent and grab a coffee. We walked in the gates & I started towards the beach. Unfortunately, the grass/sand mixture was horribly uneven and I managed to clip my foot on a tree root and despite trying to catch myself, I managed to seriously hurt my foot, which started to swell immediately.

My teammates witnessed this, rushed over, got me a chair and an ice pack and a friend headed over to the first aid tent to grab one of the First Aid volunteers from the ski patrol. He came, determined there was nothing he could do and soon after I found myself whisked off to the hospital.

Poor Mr. Tucker: with the youngest and I off to the ODBF and the eldest off at a sleepover, he was really looking forward to a day to himself doing music and playing video games. Sadly, he had just sat down with a cup of coffee when I texted him to meet me at the hospital. I felt terrible.

Thankfully, we didn’t wait long to be seen and an x-ray, a CT scan and a stand-up x-ray later (REALLY? That was just mean). It was determined that I had a hairline fracture in my foot so it’s an air cast and 5-6 weeks off of my feet. A follow-up appointment with orthopedics the Wednesday of that week also saw a hairline fracture in my fibula. “You’re really great at breaking things,” said the orthopedic doc. Oh am I ever! The advice was the same for both fractures: stay off it for a bit over a month.

Teetering on the edge

The next morning Mr. Tucker went out and rented me a wheelchair which I have now essentially lived in for a month as I gaze longingly at my pool from inside the house. I would be lying if I said it has been an easy month of healing and binge watching bad tv. Instead, Mr. Tucker has now had to ferry the kids around to work and camps as well as manage day-to-day things such as meals and helping me in/out from the wheelchair. He had originally booked off two weeks in July so that we could get a bunch of house stuff done but that has been significantly railroaded by my injury.

He was cranky, I was cranky, we both feel cheated out of the summer we were looking forward to.

Going with the flow

As a distraction from all of the absolute CARP that descended upon us, I tried distracting myself in the following ways, all of which are working in some capacity:

Booking a winter trip: I contacted a local travel agent that specializes in accessible travel and started looking at a trip for March break. My life is a constant battle against the kid’s school schedules, money limitations and how my mobility is going. We’ve decided to splurge and just go on an all-inclusive trip this winter. We are still ironing out the details but it’s been a lovely distraction from having my summer being taken away from me by my injury.

Mr. Tucker and I sat down and did a financial plan – together: usually I create the plan and we sit down and discuss it. But I felt like a lot of it didn’t feel real to him and were just a bunch of numbers on a page. So we sat down with a clean spreadsheet and worked through our numbers together. It was a great exercise for him to actually help create the plan and see for himself how we can plot things for his retirement. He told me that this process made him feel a lot better about all of the bad luck. We also are both really excited about our goals!

Mr. Tucker finished the vacation chores: because things were absolutely bonkers, tasks that should have been organized and done on his vacation did not get done and he was feeling overwhelmed. So he enlisted the children and pretty much got almost all of the outdoor chores done, which allowed him to relax for the second week of his vacation.

I gave myself time and space to make a decision: …about dragon boat. In the end, I gave my seat in the boat up to a friend who is an amazing paddler and I switched myself to being a spare, if needed. I just needed someone who could commit to the team for the next festival and even if I did the full 6 weeks, it would only be two practices before I had to compete. It’s not great for the team so it just made more sense to give up my spot.

I discovered Task Master: which is a hilarious show where comedians compete against each other by doing silly things for dumb prizes. If you need to sink yourself into something hilarious and low stakes, I highly recommend it.

It’s still just horrible luck and I have another week or two until I can walk with any regularity. BUT on a positive note, I will still have a lot of August to enjoy the pool and the garden is producing quite well right now. I will still probably be able to get a couple of paddles in, and Mr. Tucker and I have been buoyed by our new goals. Life throws you curveballs and it can be super difficult to navigate them sometimes but eventually good things will happen, just wait and see.

My kid got her first job

My kid got her first job

Mr. Tucker and I both had pretty shitty first jobs. He worked in a camp for a stipend (which is really a volunteer position) when he was a teen but his first “real job” was in fast food. My first job was at 13 at a downtown restaurant with a takeout counter. When I was 14 I switched to working as an overnight busser on weekends. It was one of the two only restaurants that were open 24 hours so since I worked the weekends it was…not ok. Although the late 80s and early 90s were a different time, looking back on it an underage kid should not have been exposed to so many drunk people and their inability to keep their hands to themselves. Mr. Tucker also worked in a west-end fast food place after the bars closed and it was challenging in similar ways, mostly fights.

While I truly believe that everyone should work a shitty, low-paying job at least once in their life, I don’t necessarily think that should be your first job out of the gate. In fact, I think my most hated job (next to the ONE day I did telemarketing) was in a big box craft store* (yes, that one).

So when it came to the eldest, I decided to stack the deck in her favour. Because she loves skiing so much and has aged out of the lessons, she took her first ski instructor course this winter – and passed! So now she is a certified Level I Ski Instructor and she hopes to get hired at a local hill next season. I had also heard that the city was looking to fill a bunch of lifeguarding jobs, so she started down that path last fall. At 15, she now has her Bronze Medallion and Standard First Aid with CPR-C. This got her an interview – and a subsequent job offer – to work for the city this summer! Although I saw that you didn’t need experience in anything, it did recommend that you have some lifeguarding training and SFA/CPR was a requirement.

The eldest is blasé when it comes to continuing lifeguarding courses but at the very least what she does have has helped her get a job where she gets to spend all day out in the fresh air all summer. It’s also a job where there aren’t early mornings/late nights and it is more family-oriented (which doesn’t mean NO challenges but certainly reduces the potential to be around drunk, handsy people). She will also be placed in our general area of the city, which means she can probably bike to work which will also be great exercise.

My goal for both of the children is to get them to 16, pay for Driver’s Ed, pay for them to get their driver’s license and then set them freeeeeeeeeeeeeee to pay for the things they want after that**, by which I mean no more allowance.

I did sit the eldest down and drew her this fine sketch:


Behold! My incredible art skills make charts come to life!

I then told her that her first week of pay should be one of celebration: celebrate getting your first job and spend a week’s worth of earnings on buying things that she wants. But after that, it’s time to buckle down. I suggested that she budget:

50% to long term savings: this amount will go into a high-interest savings account for when she is unemployed or if she is in university and needs money to go out, buy herself things etc. Also, she knows that we have enough for a local school but if she chooses to go away for university she will probably have to chip in.

25% to long term spending: this is the money she can put in a savings account for the fall when she is in between jobs but still wants to go out and hang out with friends. Essentially, she will need to spread this amount over 4 months from September to December until she is working again in the winter. It’s basically teaching her to budget & monitor her spending so that she doesn’t run out of money.

25% to short term spending: this is the amount that she can spend free and clear every pay without having to worry.

In this example, I gave the example of a $500 paycheque to illustrate how she would divvy it up.

Do I anticipate that this will go 100% smoothly? I do not. BUT she at least has a game plan in mind and a goal to try and achieve when the stakes are relatively low. I feel like teenagers are kind of the perfect audience for this kind of budget teaching: they will test the waters and (most likely) find themselves coming up short. But they will learn the lesson and take it with them all through their financial journey. Like anyone, they will need to actually experience the highs and lows of money management until they figure what works for them. All you can do as a parent is teach the lesson, give them encouragement and support (not judgement) and hope that remember the lesson when they need it the most – when the stakes are higher.

She is eager to work as many hours as she can this summer but we will see what happens. Either way, it’s another milestone on the way to adulthood!


Filling out the ubiquitous onboarding forms – get used to this, kid


*I should have known that they’d be awful when “training” consisted of watching an anti-union video. They consistently understaffed and overworked people and the final straw for me was when they scheduled me at the same time that I had requested off to take a university exam. I walked out.

**Clearly we will still pay for clothes, food, shelter, education etc.