Monthly Archives: February 2025

You gotta have a goal!

Intentional Spending, Self-Growth

How do you motivate yourself to do something that feels hard?

You’ve got to have a goal. Without a goal, there’s no fire lit under you. You have no ‘why’ to inspire you to take action when life is already full and there are so many things that need your time and attention.

>> I have a lot of things on the “save money” to do list… more like things I can do to save money (such as hanging laundry instead of putting in the dryer & baking cookies for my kids instead of buying store bought). I am currently lacking the drive & inspiration. <<

A year ago I shared my goal to pay off our mortgage early. It was very ambitious – it felt like a fantasy when I set it. It wasn’t realistic to put aside the amount per month that I based my goal on. Not at all realistic. But it gave me so much motivation and I kept finding more and more ways to save money and put the extra onto the mortgage, even though I never hit my unrealistic target number for the amount I wanted to save each month.

As I watched the mortgage principal melting away, it was a thrill of its own. I chose to shorten the length of the loan rather than have a smaller monthly payment, and each time I paid a portion of the principal off, I saw the loan length drop. It made me want to throw every extra shekel at the mortgage, and I did.

Our mortgage was split into two parts; the first part is miraculously now paid off completely. I can tell you most definitely that if I hadn’t set that goal, it would be years from being paid off.

My original intention was to pay off the entire mortgage (ie both parts), but when the first part was paid I paused. I wanted to consider if that was still the best thing for us to do. I spent a lot of time thinking about if instead of prepaying the mortgage, perhaps it would be better to use the money for something else that could be an asset for retirement.

I’ve finally decided that having a paid for home is also preparation for retirement, and have reset my goal of paying off our mortgage completely. This has given me a financial shot of adrenaline as a result of the clarity that it gives me.

Will I hit my target goal? We’ll see. It will take a lot of determination and focus, and it will mean putting other things that I’d like to spend on to the side – like renovations – I really don’t want to wait until the mortgage is paid off. But my goal is what gives me the motivation to track my expenses, budget and spend carefully, hang laundry and cook from scratch. I’m doing all of those things to achieve a goal that matters to me, and none of it feels hard. It’s the opposite of hard – it’s energizing.

Why does this motivate me so much? At this stage of my life, what’s more important to me than more money, is more time.

Paying off the mortgage shaves away years of payments and thinking about not having a monthly payment gives me a sense of freedom, flexibility and increased time.

That’s my why.

Now, sit down and write down what you want your life to look like. Brainstorm alone, or together with your spouse. (I recommend setting a shared financial goal if you’re married.) What is really important to you? Why is it important? What do you want instead? What would that look and feel like?

Clarifying and setting your personalized goal is what will give you the incentive to change your habits and do something unfamiliar or uncomfortable.

Avivah

We want more homegrown eggs!

Homemaking

This summer a massive heat wave killed off all of our chickens but three, leaving us with just one rooster and two hens.

We fortunately had eggs in the incubator at the time, and the chicks that hatched out have been the foundation of regrowing our flock. Half grew into roosters who are unfortunately still around (I’ve wanted them to be processed for the past two months but there have been repeated delays and I’m somewhat exasperated about it). From the female half we still have hardly had any eggs, since it takes about five months until a chicken begins to lay eggs. Our hens came of age during the shortest days of the year, which further delayed their laying.

Finally about three weeks ago, some of them began laying. We’re now getting seven eggs a day, which isn’t nearly enough for our needs but it’s very nice to have them after so long with nothing! Some of the hens aren’t yet ready to lay but will soon, and that will also increase the number of eggs we get.

Below you can spot an a first time egg from a new layer – isn’t it adorable?

Even with all of the hens laying, we won’t have enough eggs to provide for our needs. While it’s nice to have supplemental eggs, I’d actually really appreciate having enough eggs to eat to make a difference to our diets.

I’ve collected eggs to incubate.

Although all chicken care transferred from my son to me at the beginning of last year, my seventeen year old son remains the expert on incubation. I asked him to check the heat calibration of the incubator to be sure it was accurate – last year it wasn’t and the excess heat killed the viability of all seventy eggs in that batch. I don’t want to do multiple incubator batches this year, just one big batch.

Last night he put in over sixty eggs.

All of those eggs won’t hatch; of those that hatch all the chicks won’t survive, and a percentage of those that survive the initial few weeks won’t make it to adulthood. In adulthood, there are still mishaps that can occur.

The saying, “Don’t count your eggs before they hatch” comes to mind.

I am hopeful, though, that by the summer we could have a nice amount of laying hens. That’s the goal – we’ll see how it works out!

By the way, I’ve seen suggestions for those concerned about high egg prices to get chickens. It’s really not that simple and definitely not inexpensive. You need to buy chickens (expensive), build a coop (expensive) and then raise them (ongoing feed costs and care). I don’t consider raising chickens for eggs to be a frugal strategy. It would take a long time to recoup the costs invested in raising chickens – I’m sure we’re nowhere near it. Of course, if we had done things in a more business-like way with the intention to make money, it could be we’d have done better in that regard, but that wasn’t our focus.

Having said that, it enhances our quality of life to have chickens so we have them even if they aren’t frugal.

Avivah

Excuses I made that kept me from saving money

Intentional Spending, Self-Growth

Years ago, I saw this message on the propane pump when I was filling up my car.

Here’s a close up of the notice.

Translation: the price of propane for subscribers is cheaper than the price displayed on the pump. For details, call.

I noticed it and casually wondered what it was about but didn’t take down the number.

I use this gas station regularly and a year or two after seeing this message, finally saved the number to my phone.

I didn’t call. After all, how much of a savings could it really be? They probably wanted to sell me something, and wanted to hook me by signing up for a puny discount on gas.

A year or two ago, I asked someone at the pump next to mine filling up at the cheaper price how he got that price. He told me he signed up and saves a half a shekel a liter. I resolved to call to ask for details.

I didn’t. More excuses – I didn’t want to set up a direct deposit to a gas station, I wouldn’t be able to track my spending, maybe they would compromise my bank details. Maybe it was a scam.

There was procrastination and then forgetfulness, forgetting to write into my planner to make the call. (What I write down gets done, what I don’t…well, it might get done eventually – or not).

Did I mention I’ve been using this gas station and seeing this message several times a month for years? That was a lot of potential reminders but I didn’t act on any of them.

Almost five years later, being inspired to keep my savings rate stable even as prices are going up and seeking options to do that, I finally called.

The person who answered told me there were two ways to get the discount and it sounded like both of them entailed setting up a direct monthly payment. She told me next time I was in the area to come into the office, fill out some forms and I would be signed up.

One day soon after I went to the office and told them I was there about the discount for propane. She asked me, “Do you want to set up a direct monthly payment or would you prefer a discount card?”

A card sounded better to me, but how would that work – wouldn’t I need to sign up to get it?

“You don’t need to sign up for anything. Take the card, insert it in the machine and it will set the price to the discounted rate, and then pay with your credit card like usual.”

“That’s it?”

“Yes, that’s it.” She handed me a discount card, and within two minutes I was in and out of the office. So incredibly easy and fast.

This is one of two gas stations that I regularly use – I don’t want to think of how much money I could have saved in the last five years if I had just picked up the phone and asked a question when I first saw the notice.

We all sometimes make excuses and tell ourselves stories, rather than getting information and taking action. Is there anything you’ve been postponing dealing with that might save you money?

Avivah

How lifestyle creep keeps people poor

Intentional Spending, Self-Growth

I was speaking with someone about finances a few months ago and mentioned that I’ve kept our expenses pretty stable as our income has gone up. He told me I should relax and enjoy my life more.

That was a strange thing for me to hear and it didn’t resonate in the slightest. I’ve chosen a material standard that I’m comfortable with. I have a spacious home that allows me to host my married children comfortably. I have a car that runs well. I have plenty of food and clothing for my family. My bills are paid.

If there’s something I want, I get it. But I don’t have a lot of wants. We’ve created a life that I don’t want or need to take a vacation from, and I feel abundant with all aspects of my life. I’m not living in lack or denying myself by spending our money intentionally.

This person was expressing the position that if you make more, you should upgrade your life accordingly. This is what is called lifestyle creep, and why so many people will never get ahead. As they earn more, they feel they deserve a nicer car, a bigger home, more exotic vacations and eating out multiple times a month. They can have more, so they feel they should – and they upgrade accordingly.

They’re earning more, perhaps even substantially more, but they aren’t saving or investing significantly more. Lifestyle creep will cause someone to continue living paycheck to paycheck, regardless of how much money he earns.

Money management skills fall into two broad categories- earning money and managing what you have (spending/saving/investing). My personal definition of frugality is intentional spending. Intentional spending is an inherent part of managing your money, and why frugality skills are valuable to learn.

If someone has a low income and is frugal, he will maximize what he has and can meet his needs even when the numbers are tight. If he doesn’t, he’ll be in debt and live hand to mouth forever.

We easily could have been poor and gone into debt with our income level. When we had around seven children, the accountant preparing our taxes said although he worked in the Orthodox Jewish community, he wasn’t accustomed to seeing numbers like ours. While I experienced our income as comfortable, he couldn’t understand how it was possible that not only weren’t we in debt, but we had savings. He was intrigued and impressed when I explained It was about making choices as to how we spent our money.

Since I’ve been blogging for eighteen years, the choices we made aren’t a secret – I’ve shared a lot about that.

If a person has a higher salary and is careful about his money, he’ll manage well with more just as he managed with less. Someone who isn’t intentional with his spending and engages in lifestyle creep will often have lots of expensive toys but a minimum of savings and investments- and many times he’s in debt. I used to be shocked by high earners who have little in investments and are debt leveraged up to their eyeballs, but not anymore.

Learning to mange lifestyle creep is critical to getting ahead with your finances.

I am convinced that how we spend money isn’t exclusively about what our expenses are, but a deep reflection of our values and how we define our worth.

Why do we engage in lifestyle creep? What are we telling ourselves when we decide to upgrade? Do we see ourselves as more successful or worthy people when we can buy or acquire more?

To be clear, I have no bone to pick about upgrading your life and am not suggesting that no one should ever have nicer things when they have the financial capacity for it. I strongly believe that everyone should spend his money in the way that brings him the most value. There are things I can now afford to do that I couldn’t do in the past, like pay for private speech therapy for my sons with special needs, and I’m so grateful I can do it.

I am advocating for intentionality and thoughtfulness about raising your level of spending. Learning to be content with what you already have and saying ‘no’ to lifestyle creep will be a big boost to your finances.

Avivah

Do you really need a car?

Intentional Spending

Here in Israel, cars are expensive and gas is very expensive, much, much more than in the US. While a car makes life so much more convenient, it comes at a price.

We’ve been living in Israel for thirteen and a half years and though we had a large family of ten children, didn’t buy a car until six and a half years ago. At that time, we were the largest family in our apartment building, and the only one who didn’t have a car. When we bought our home, we looked for a location with good public transportation and though it wasn’t as convenient as a car of our own, it served us quite well. We took our time in buying a car, not wanting the expenses of car ownership to sink our budget.

When we finally got a car, it was because life had become very difficult without one, due to the challenges of a child with special needs who had very little stamina for walking. The bus stop was less than a five minute walk from our home but it could take a half hour for him to walk home, and when multiplied by every time I needed to go somewhere with him, it had become stressful and draining. At that point, we agreed that having a car had become a need.

Fast forward to today, we are living in an area where the public transportation is irregular and infrequent. (I wouldn’t have considered living in a place like this if we didn’t already own a car.) We have minimal shopping and services locally, and though a small number of people manage without a car, it’s pretty much a necessity for living here.

For us, not only was one car a necessity, we needed two.

Last year, after we had a series of frustrating and expensive events involving our second vehicle, neither my husband nor I wanted to replace it. We brainstormed how we could manage with one car. We talked about what we needed the second car for, how we it it, when we used it, and how could we change our car usage so it wouldn’t be necessary.

We were able to work around most of the times we needed it, but the biggest factor that we couldn’t initially get around was my husband’s travel for work. He works in the center of the country once a week, and to get to the train that goes there, he would drive a car to the station, park it and then drive home after he got off the train on the way back. This made the travel manageable for him.

Taking a bus to and from the train station could add four hours onto his day, between the longer travel time on the bus, and waiting for the bus after getting off the train (it runs only every two hours, and if you miss it by a few minutes, you have a long wait). That seemed unreasonable.

However, when we both agreed we really didn’t want to have another car, he agreed to try it.

It isn’t comfortable. My husband leaves before 5 am and gets home at 8:45. I’m not going to sugar coat it and make it sound all wonderful, because it’s not. He’s been up for sixteen hours by the time he gets home and that is a very long day.

It may not be wonderful but it’s doable. He rests on the train, has changed his schedule to take a later train in order to minimize the waiting time for a bus and he has a good attitude about it all. This one decision has eliminated the expense of purchasing, fueling, insuring, maintaining and repairing a second car, and for the inconvenience four days a month, it’s worth it for us.

Finding ways to save will usually require you to first think differently about what you’re doing, and then do things differently. Different is going to feel uncomfortable and hard, at least in the beginning. That doesn’t mean you shouldn’t do them.

Building up the money you save as a result of these choices will create freedom and decrease stress the longer you do it, and that produces its own positive reward cycle.

If you have a car and you’re struggling financially, you might want to consider if you really need that car. I know how much easier life is with a car, believe me, and I know how irritating it may be to be asked to consider even for a moment not owning that car. But if you can’t really afford it – and honestly you can’t if have credit card debt/overdraft, or if you have no money for savings – then the price of a car is not being able to have the peace of mind that comes when there’s some positive padding between your income and expenses.

Peace of mind may be invisible but it’s worth a whole lot.

Avivah

My January food expenses and itemized breakdown

Homemaking, Intentional Spending

When I shared that a number of people in our family eat zero carb and others eat a very high animal protein diet, people wondered how much we spend every month. I’ve carefully tracked every food item that I’ve purchased this past month, so that I can share with you what I bought and what I paid for it. For reference, I’ve also included the dates and the stores I shopped at.

Note: food is my highest budget item, meaning that this is the category I spend the most on every month.

January 6, 20255 – Yesh Chesed – 2264.44 – in conjunction with the price increases of Jan. 1, many stores ran excellent sales the first week.

  • 21.45 kg meat x 49.90 – 1284.97
  • 19.42 kg meat x 49.90 – 1163.26
  • natural grape juice, 3 x 7.90 – 23.7
  • tilapia – (on sale 14.90) – 2.144 kg – 31.95
  • tilapia – 1.889 kg x 24.90 – 47.04 minus 8.56 sale discount- 38.48 total (only part of this purchase was at the sale price)
  • sugar, 10x 3 – 30 shekels (usually 4.90 each)

There was a minimum purchase of 100 shekels on non sale items needed to get all of the above at the sale prices, so I bought:

  • butter, 200 grams ( 11 x 8.90) – 97.90
  • 1 sour cream – 2.70

January 6, 2025 – Yavniel supermarket – 7.84 – ingredients for group my teen leads

January 6, 2025 – Yavniel supermarket – 128.83

  • carrots, 1.225 kg x 5.90 – 7.23
  • 3 trays of eggs, 30 eggs each x 32 shekels – 96
  • 3 challahs – 25.60

January 7, 2025 – Mishnat Yosef – 288.80

  • carrots – 4.80
  • Pink Lady apples – 13.2
  • peanut butter, 4 x 7.5 – 30
  • 7 trays of 30 eggs x 28.80 each – 201.60
  • station fee (3) plus non food items – 39.20

January 9, 2025 – Rami Levi – 30.81, cheese, just short of a kilo for 31 shekels a kg

Jan. 11, 2025 – Shufersal – 4.60– 2 bananas (took two of the younger kids to an orthodontist appointment and wanted to get them a snack afterwards)

Jan. 11, 2025 – Rami Levi – 195.16

  • whole chickens,6.78 x 18.90 – 128.18
  • chicken hearts, .756 x14.90 – 11.42 (dog)
  • chicken hearts, .840 x 14.90 – 12.52 (dog)
  • tilapia – 2.60 x 19.90 – 51.74

January 14, 2025 – Mishnat Yosef – 180

  • 1 package of fresh dill – 3.8
  • vitamin d drops 2 x 29 – 58
  • 4 trays of eggs, 30 eggs each – 28.8 x 4 – 115.20
  • station fee – 3

January 21, 2025 – Mishnat Yosef – 232

  • onions, 2 -2 kg bag – 3.75 kg x 4 – 15
  • sweet potatoes, 2 kg – 10
  • 4 honey, 900 grams – 17.90 x 4 – 71.60
  • dried dates, 1 kg – 14.50
  • 3 trays of eggs, 28.80 x 3 – 86.40

January 23, 2025 – Shufersal – 161.58

  • seltzer (1.5 liters), six pack, 2 x 16.90 – 33.80
  • cottage cheese, 6 shekels x 10 – 60
  • 15% sour cream, 21 x 2.77 – 58.17
  • red peppers – 1.595 x 5.90 – 9.41

January 23, 2025 – Rami Levi – 815.50 – this receipt seems to have gotten lost – it was whole chicken, chicken quarters, chicken thighs, 2 pkg chicken livers (for dog) and almost 3 kg of salmon (on sale for 50 shekels a kg)

Jan. 28, 2025 – Mishnat Yosef –266.20

  • avocados, 5.90 kg x 3 kg – 17.60
  • celery – 4.4
  • parsley – 3.8
  • sliced bread (750 gram loaf), 5.60 x 2 – 11.20
  • 10 – 1 kg bags spelt flour – 76.50
  • 4 trays of eggs, 28.80 – 115.20
  • non food items – 34.50
  • 3 shekel station fee

Jan.29, 2025 – butcher –1474.70

  • ground beef, 20.99 kg x 50 – 1049.50
  • ground beef fat, 10.63 kg x 40 – 425.2

January 29, 2025 – Rami Levi – 401.95

  • chicken wings, 48.77 kg x 6.90 – 366.55
  • chicken thighs, 2.989 kg x 21.90 – 65.46 (sale price for up to 3 kg, if there’s a purchase of non sale items over 75 shekels)

My total grocery purchases for January came out to 6487.48 shekels.

The total includes all food and also the odds and ends that I get at a supermarket that aren’t food. Our family of eight daily eaters includes 4 adults who have mostly animal products, 1 adult and three children who eat a heavily meat based diet but also have some produce and starches, and a medium sized dog.

At least one Shabbos a month (sometimes as much as three times a month) we host our married children and their families, in addition to one adult son who comes home for one Shabbos a month. Most of the refreshments for the boys’ group that my teen son runs also comes out of our food budget.

I set a goal to get down to 6000 for the month of January; in the last few months since adding two adult carnivores to the mix I’ve spent close to 7500 and I challenged myself to lower the expenses in this area. While I could have come in below 6000 if I delayed the last purchases made at the end of the month. However, I didn’t have any ground beef left, and I had the opportunity to get a large amount of chicken wings at an amazing price and don’t know if a week later that would have been the price, so I bought them when I had the opportunity.

Most of the chicken and meat I bought in the last week of January will be eaten in February. It all evens out, since at the end of December I bought a lot of meat that we ate in January.

Produce – We don’t eat a lot of produce but we do eat more than what it looks like from this post. You won’t see everything we use listed, only what we paid for. I’ll share more about produce in a separate post.

Bulk grocery purchases – This month I also did a bulk shopping run, which I do infrequently. (It’s been over a year and a half since my last bulk shopping trip.) Last month my husband took the car to work in Tel Aviv, which is not far from the bulk store, and to maximize the gas being spent, he stopped in to buy about 500 shekels of items there.

I purposely schedule a bulk shopping trip during a month that is lower in expenses. Averaging my spending for this over the year, it adds another 200 shekels to our monthly purchases. I’m including this shopping in the list of things I bought this month, but keeping the bulk order separate from the other food orders. If I need to refill anything that was bought in bulk during the coming year, it will be included in the monthly grocery category.

January 19, 2025 – 1326 – bulk shopping (the total includes 18% tax but the individual items are listed before the tax has been added)

  • coconut cream, 1 liter carton x 12 – 138
  • tuna fish, 1 kg vacuum pack x 12 – 258
  • vinegar, 4 liter – 8.50
  • tomato paste, A10 can (2.5 kg) x 2 – 42
  • mini tuna cans, 95 grams – 2.75 x 12 – 33
  • cocoa powder, 1 kg – 35
  • baking soda, 1 kg – 5.20 x 3 – 15.60
  • dried coconut strips, 1 kg – 31.50 x 2 – 63
  • sunflower seeds, 1 kg – 13 x 2 – 26
  • fish gelatin, 1 kg – 95
  • walnuts, 1 kg – 35
  • flax seeds, 1 kg – 5.30
  • dried apples, 1 kg – 22 x 2 – 44
  • cheddar cheese – 7.80 kg – x 32 – 282.80
  • kashkaval cheese, 200 gr – 9 (I treated myself)
  • dish soap, 18 kg bucket – 68

January 19, 2025 – 755.70 – bulk shopping

  • 2 – 20 kg case coconut oil – 354 x 2 – 708 (this will last a year)
  • 3 vanilla extract, 1 liter bottle – 15.90 x 3 – 47.70

Total bulk shopping – 2081.70

Total grocery shopping – 6487.51 shekels

For the month of February, I’m again setting a goal of 6000 shekels for groceries. Let me know if you found this breakdown helpful, and if you’d like to see me track the breakdown again!

How much do you spend on your monthly food shopping, and how many people are you feeding? Do you have any questions about the shopping I did? Share in the comments!

Avivah