What to Consider When Looking for a New Job

BIG NEWS in the Frugal Rock Household on the Employment Front, there is a new job for Mr. Frugal and this lady couldn't be prouder of him!

Mr. Frugal is in programming/manufacturing and has put his time in working in factories and machine shops. While good experiences, breathing in coolant and manufacturing fumes probably isn't great for his long-term health, so it's great that he has found a job that will bring new challenges, but also a lot of great rewards. Mr. Frugal already started at his new place, but the decision to take the job had to be weighed with a lot of other factors and it got me thinking a lot about how to make career choices and what to consider. So what are the factors to weigh when you are determining whether to take a new job?

1. First and foremost- salary. Be realistic upfront about how much you need to (and want to) make. A lot of people put low amounts on their initial application only to have a higher salary in mind later. If it will take an extra $10,000 or maybe $20,000 to get you to move jobs, it's okay to be open about it. It's also okay to ask about the salary range early in the process. While not a question that is always easy to broach in an interview, when approached by Human Resources for an interview, asking about the salary range can save you (and them) a lot of time if you know up front that it's not going to meet your needs!

2. Don't forget about the 'bennies'- benefits that is! Ask questions about the benefits. Remember that these are a big part of your salary package. A lower salary may be a good trade off for you, with lower health costs, more vacation days, better 401k matches, or other perks.  A great example of this is with Mr. FR's new position. Additional vacation time was big, the 401k match is great, but the health insurance was a huge selling point. While we have always taken my insurance, which is a good policy, my company offers incentives to take your partner's insurance. By not being able to do so, we have left 'free' money on the table the last several years. In addition, Mr. Frugal's new health insurance policy offers a lot of 'healthy' living deductions. For example, employees qualify for a drastically-reduced price fit-bit which if employees and their spouses meet 'healthy living' goals also reduces the price of the health insurance. Score!

3. Consider goodness of fit. So it's not all about the money, right? Even though this is a blog about frugal living, it is also about having a fulfilled lifestyle. Part of a well-rounded happy life, is feeling success and satisfaction. While some people never find it in their work, it's something to strive for. Why spend 40 hours a week doing something you hate or that causes more stress then satisfaction? When interviewing with a company, it's important that you ask questions about things that are important to you. Is it about what type of boss your new supervisor will be? How much you will work independently or in tandem with others? Is it about opportunities for growth or long-term advancement? What's the company climate? Whatever your goal, don't forget that interviewing the company is also part of the job search process. Consider also, it may be worth it to take a salary deduction to switch from a company with no opportunities for growth, to one, that while initially you may take a pay cut, has several positions that you may be able to advance to in future years.

4. Distance. How far is the new job from your old place of employment or your home? This was something that generated some good discussion in our household- especially since we have been trying to decrease our carbon footprint. When Mr. FR was approached about this position, the recruiter mistakenly gave him the wrong location for the company. Initially when applying, he thought it was closer. This turned out to be a blessing in disguise, as Mr. FR loved the company- Goodness of Fit was pretty high and even now several weeks into the job switch- he couldn't be happier.  In looking at factors 1-3 above, it was more then enough to sweeten the deal to make the longer commute more worth while. Mr. FR has also been taking his motorcycle more, saving on fuel costs.

Of course there are additional items to consider after accepting a job offer- like rolling over your 401K, enrolling in a new health insurance program, and making the most of your company retirement match, but that's a whole other post! Is it weird that I can't wait?  Nothing gets me more pumped then open enrollment and 401k matches. :)

What are some factors you consider when thinking about a job change? Are one of these four things more important to you then others?

Frugal Rock Travel- Backpacking Style

Hi Folks! It's been a while- summer is getting away from me. Been really busy enjoying life, getting outside and enjoying out of town company. Hoping to get a more regular schedule in place again for the fall; but thanks for visiting!

I'm back with a Frugal Rock Travel Segment- and want to share about the best mini-getaway I've ever taken. That's right- THE best. And it was the best for a few reasons: getting away for a long weekend, spending time with Mr. FR, having no phone, email or technology...ohhh, and the fact that it all cost less than 200 bucks. Get ready for a photo-heavy post!

Having been lucky to travel quite a bit nationally and internationally, I never would have thought to find such a cool getaway a few hours away. IF you are willing to rough it and enjoy the experience of the great outdoors, camping and backpacking are a wonderful and frugal way to go. In Wisconsin, backpacking and non-electric site (meaning no outlets nearby) costs $20 a night so a long weekend stay can be done for $40 a weekend- $50 with all taxes and fees. This would still be much below the hotel costs or even a night out for dinner and drinks.

The GEAR

Now one quick aside about gear.

Of course, the initial costs of camping gear can be expensive. Tents, backpacks, cook stoves, etc. can add up quickly. I am not advocating for the cheapest purchases all the way around ( after all, who wants to spend any money on a tent that leaks?), but neither do you need to go to REI and let them 'outfit' you with a special cook pot that costs over $100 and supposedly works better over the fire. I call hogwash. Other then our tent and backpacks, we tend to go cheaper/simpler options as best. Here is a quick rundown of our backpacking gear:                   

Only people for miles, right along Lake Michigan.

                          

1 Quechua Tent- for sure the best purchase we have made. Tight fit for two people, but with room at the foot for bags. We have been out in some heavy rain and have never had a leak. Also while a tight fit, because of the small footprint, we tend to stay warmer. The big selling point for me on this one is it springs open and other then staking it into the ground requires no assembly.

A little chilly but nothing a hat won't fix. My

bag is a GoLite.

2 Backpacks- probably out most expensive gear. To haul all of our items comfortably, it's important that the bag be the right size for you and is able to help you easily haul everything you need. In this case, we needed to hike in and out about 2 miles, carrying all of our items. While not a huge distance you would struggle without the proper bag. We have used these not only for camping, but also for train trips or other getaways. Last year the Frugal Rock household took the train to DC, and then walked to the AirBNB, about 2 miles with all of our stuff on our backs. We bought these online (thanks Amazon prime!) but I would highly recommend walking over to a outfitting/camping store and trying on some bags before buying so you know the style that works best for you.

Mr. FR loving the outdoors and outfitted to hike out after a fun weekend!

1 Foldable burner and cook fuel. We had looked at more expensive options multiple times. JetBoil is the most popular one out there, but simple and light won the day on this. We use a simple fold out burner and a small fuel cell that we light. The pot for the stove- that we use for everything, making coffee, meals etc., was an old cook pot of ours that's gotten a little warped over time. When we replaced the pot in our home kitchen, it got repurposed for our outdoor needs.

1 Water Filtration. This is the first trip where we did not have easy access to drinking water.  Due to this we did have to make some purchases, including a foldable water jug, tablets to clean the drinking water (so we could pull it right from Lake Michigan!) and water filtration straws to help filter any left over bits from our lake or stream water. This totaled just under $30 and will be items that we plan on using in the future.

Other items:
Sleeping Bags
Ax- cutting up downed wood, instead of purchasing or hauling wood in (cuts down on invasives too- so double win)
Rain Gear
Clothes/Personal Items

Every so often we need to replace some of the small items, such as flashlights, but over the last 6 years, we have slowly purchased the big items so the expenses were spread out over a long period of time.

While we spend a lot of time hiking and sitting around the fire when camping, we also bring at least one travel game. A pack of cards will do, but lately we have been bringing Travel Chess or Battleship. A book or two generally gets shoved into one of the bags as well. We bring one of our phones for emergencies, but don't use it for distraction- ie. internet surfing during downtimes, though a podcast does come in handy for rainy nights!

The FOOD

The way backpacking differs from most camping, is the lack of refrigeration or coolers. Most foods will either need to be packaged and/or dehydrated to prevent spoiling.

There are several store bought varietis you can purchase if you want to go the easiest route. Here is one variety that came recommended that you can buy on Amazon. If you are worried about the sodium content in some of these package meals (Mr. FR) or just want something a little more gourmet for camping (me) you can also very easily and cheaply make your own food packs. The key idea behind this is something that will taste delicious, is nutritious- in these cases also packed with protein, and can be made with just boiling water and adding the food packet. I got a lot of inspiration from this blogger who made a variety of packaged meals. I also did some comparing to this site and played around with my own variations as well. I will admit that some of these were so good that I could see making and stacking them in the pantry for nights when you may just need an instant meal and don't want to do the same old pasta or rice-a-roni.

To make the recipes above I did go on Amazon (we have a prime membership so it's often cheaper to purchase in bulk from Amazon then run to the store!) and order a few things- freezer Ziploc bags, freeze dried veggies, fruit and chicken. With the help of the link above I made the following meals for our dinners/lunches:

Sundried Tomato Pasta w/ Salmon
Fiesta Rice w/ Chicken and Veggies
Thai Peanut Sauce and Noodle Dish **my personal favorite**
Vegetable Curry

Each bag I wrote the instructions as to how much water and cook time was needed to make things really simple each night. You will notice that these are carbohydrate heavy. One reason for that is that carbs are great in making you full without tons of food. Carbs stick with you throughout the day. When you are hiking 5-8 miles a day something lighter is not going to get you through! Finally, carbs work great in these meals since they come dried, they are uniquely good at being the base in instant meals.

For breakfasts, I did something similar and made homemade instant oatmeal packets. Again for ease and speed, you could bring Quaker Oats instant packs, but if you really want to be horrified- check the sugar content in just one of those packs. In addition, Mr. FR and I combined would eat about 5 packs in a morning so over 3-4 days we would generate a bunch of garbage to pack out. Instead, I made 5 serving breakfast packs again with dried fruit and added cinnamon or one decadent morning cocoa powder. Each morning we boiled water and then threw in the one breakfast pack and a few minutes later had a meal ready.

For snacks, there was applesauce and summer sausage (some varieties don't need refrigeration until opening so we bought small ones and ate in one sitting). And of course, plenty of instant coffee.

The COST Breakdown (rounded for calculating ease)

Site Fees/Reservations- $60 for 3 night at $20 a night

Food Costs- $50- including left over freeze dried items for future meals. I gave myself a budget of $50 and stayed to it pretty exactly.

Gas-$40 - I put $20 in my tank on the way there and the way back, but never was fully empty so the actual gas price is approximate

Restaurant- $35- We did a very un-frugal thing on the way back and stopped for lunch. Being frugal is also about knowing when to splurge, and we couldn't resist the lunch spot with goats on the roof.

Total: $185

The NATURE

So in case you are asking yourself- why all this work? Was it worth it? Absolutely! These below images of the beautiful scenery we got to enjoy. Not only that, but we were completely relaxed most of the weekend, and were truly away from it all. We did not have any other campers nearby and were miles from other people. We were able to wake up each morning with a view of the lake from our tent and songbirds overhead.  Not only that, but I had a huge sense of satisfaction during the trip of being pushed out of my comfort zone, and at times, pushing our endurance. It reminded me that the best vacations are not necessarily the most expensive ones, but the ones that nourish your soul. Needless to say, we already booked our site for next summer!

After several days of rain the forest was a bright green, as only seen in spring- with wildflowers blooming in the underbrush.

Little garden snake. After Mr.FR painstakingly got close to this little guy, I almost immediately stepped on another one.

They were everywhere!

A tree with personality...

Resolution Re-cap- 6 Months In

It's time for a RESOLUTION RECAP.

Sorry to shout- but it's officially well into the 'new' year. That makes it time to find out how well those well-intentioned New Year's Resolutions are holding up. According to Psychology Today most New Year's Resolutions fall to the wayside pretty quickly. Specifically over time, 22% fail after one week, 40% after one month, 50% after three months, 60% after six months, and 81% after twenty-four months. Ouch! So if you made a resolution to exercise more or eat less, chances are you (and the rest of America) stuck with that for maybe a few weeks!

Don't let that bring you down though because the same research on why resolutions fail gives us good insight in how to be successful. The research shows that people who had solid concrete goals- with measurable and trackable outcomes were more likely to be successful. When personal motivation is lacking, the use of a support system for personal accountability also comes into play!

So how'd Ms. Frugal Rock do on those resolutions? Here's a status report:

1. Do something with that old 401K account.

I'm embarrassed to start with this one, because until I started this post- I had completely forgotten about this resolution. Whoops. Probably the easiest out of the 5 resolution goals there is nothing sexy about exploring your 401k roll-over options. That being said, it should be a pretty simple way to condense my portfolio and get all of my accounts in the same place. I'm adding it to my list for this next week and will report back!

2. Find a way to reduce my commute by biking 1 day a week.

Sweet, sweet progress. I had initially mentioned my hope of purchasing an electric bike, but super-savy, Mr. Frugal Rock managed to find a pretty reasonable kit online to outfit my current bike into an electric. As of about two monhs ago, I can be found zooming along the bike trails knocking over pedestrians with my speed...well not quite, but I'm able to cruise at about 13mph without pedaling, and with pedaling am able to make a pretty nice clip. I have been buzzing back and forth to work now 10+ times and have stuck with my goal of biking at least once a week. Now that it's truly summer (with less damp weather going around hopefully!) I'll be able to bike in more often.  Finger's crossed!

As someone who has never been a confident street biker- being able to bike downtown fairly confidently feels like a huge milestone for me, as I could not have imagined myself biking to work even a year ago! Life is funny sometimes!

3. Aggressively save to pay off our mortgage early

I posted in January on our goals for our mortgage, and am proud to announce that we have knocked our mortgage down to 5 figures, instead of 6. It's satisfying to see one less digit at the end of our loan amount. In addition, there is a super-saving-scheme (alliteration makes saving more fun, I promise) in the works that if followed will keep us on track to knock even more off this year. One potential set-back in our saving is a new roof, which is needed for the Frugal Rock home this year. While an expected expense, anytime you have to spend thousands of dollars on a home improvement project it hurts a bit!

4. Continue to explore side jobs or 'side hustles'

No new updates on this for Ms. Frugal Rock yet to share. BUT, I hope to have news to share soon about a potential side hustle. Mr. Frugal Rock has been leaving me in the dust and has developed his own Etsy Store to sell Nintendo Themed Wood Block Sets- no joke, they are the best!

5. Embrace budget travel.

This one has been thoroughly embraced. As I shared in a previous Frugal Road Trip post, I loved going on a cross-country road trip, and the fact that also didn't deplete our bank accounts was another huge bonus. Last month brought on a last minute road trip to the corn-loving state of Iowa, to see a friend in on business. While no means the most exciting vacation destination I've ever been to- it was a great time anyway! Frugal trips have been planned for this summer including some camping and backpacking, so stay tuned for posts on those, as well as other Frugal Travel features.

How have your resolutions been going? Any frugal resolution you have made and stuck with?