Category Archives: goals

Garden and Food Update: Our Outdoor Grocery Store

We just spent about 3 days mowing, machete-ing and planting around our property. It’s hard, hot work, but in the summertime you have to do it fairly regularly or things will just grow out of hand with all the rain. I can mow about an acre that is flat(ish) and Britton does another acre that has a fairly pronounced slope.

Mowing the lawn
Mowing away!

We have two of the same mower so sometimes we mow together, but we can also exchange parts as we inevitably break something. The good news is that all the growth and work also means FOOD! Lots and lots of food.

Red Bananas
Delicious creamy red banana

In the summers I can buy about half of what I normally do at the (indoor, conventional) grocery store and only need to go shopping every 10-12 days instead of every 5-7 days and we could probably go even less if we could stand to eat mangos every snack and meal. Instead I end up having to shovel off the rotting mangoes from the roof of the cabana and the chickens and turkeys eat them. A good exchange for some eggs and meat down the line.

Mangoes and ocean
Rooftop mangos

Fruit 2
A quick stroll around the finca for about 10 minutes I came up with this plate of food. Eggs, figs, Surinam cherry, mulberry, sapodilla, pomarrosa, papaya, mango, passionfruit

And while I love the delicate little berries like mulberry and pitanga, and the succulent passionfruit, nispero and figs, the real staples that make it so you don’t have to go shopping as much are in the starches like breadfruit and plantains.

Breadfruit
Breadfruit AKA pana ready to be picked

Plantains and lechosa
Plantains and papaya from our finca

Both breadfruit and plantains taste and can be cooked much like potatoes. They can both be harvested and used green or a little more mature. I prefer to cook with amarillos and ripe pana, but that’s just my preference since we still have a limited kitchen and the ripe ones take less time and prep. I often cook them with our eggs. Just add a few peppers and fruit and it’s a fully rounded meal!

Harvesting Coconuts
Britton and a friend harvesting coconut

Another great food that we are currently under-utilizing is coconut. We have two varieties that are currently producing. One is a smaller yellow coconut and the other is a large green one. They are both good. The green one tends to have a lot more coconut water though. I would like to eventually make our own coconut milk and oil. For now we are just eating the meat and drinking the water.

Coco water
Coconut water filled into a bottle and ready for some tragos!

Papaya open
Papaya AKA Lechosa

Another favorite of mine is the wild papaya we have growing. These just grow as volunteers. I think the birds drop their seeds. I never was much of a fan of papaya because I think it smells a bit like vomit and it is recommended to squirt lemon or lime juice on papaya to cut that smell. But this rounder variety doesn’t have that smell. So it is like having a cantaloupe tree! And I LOVE cantaloupe. This stuff is so good! They call it lechosa here I think because when you cut it open a milky sap sort of forms as you can see in the lower left of the above picture.

Lichi
Grow little lychee grow! (Red flagged plant beneath the royal palm)

We are starting to see the fruits of our labor in some of the trees we first planted like the pomarrosa. And we are still planting more trees. Like this little lichi/lychee above as well as a governor’s plum and longan.

 

Pomarrosa
Both Britton and the chickens congregate around this little pomarrosa tree to eat straight off it

Pomarrosa is so good! One of the few truly crisp tropical fruits. It has a rosey smell and a crunchy almost jicama texture. It looks waxy and the redder they are, the sweeter. This variety is seedless and you can basically eat the whole thing in 2-3 bites. I love to add them to fruit salads for a pink burst and a nice crunch.

chickens and pomarrosa
Chickens and turkeys scavenging and fertilizing around the pomarrosa tree

We all love “shopping” at our outdoor grocery store. It’s the most beautiful supermarket I know!

Roble carpet
The aisles of our grocery store… littered with fallen flowers. The store may be a little warm but way better than unnatural air conditioning!

Tropical Garden flower
An the floral selection is way better too 😉

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Money Matters: Shop Smart and Shop Rarely

This is part of a series on finances. Here’s Part 1: How we live on just $1000/month.

Living in a super tiny indoor space (and a park-like outdoor space) as well as having a careful budget, has really helped to understand what is important and what is not. It has helped me to weigh in whether or not this or that purchase is really worth those valuable dollars, resources or space. In 300 square feet, even a new pair of shoes can take up a pretty large amount of real estate. As I have discussed before, many of our modern problems could be alleviated by simply not buying as much stuff! And we subscribe to this philosophy quite a bit.

But sometimes in this modern landscape we do still need to buy things. This is a point when you need to be careful where your dollars go if you are serious about becoming financially savvy and financially independent. But there can be lots of temptation and marketers that would have you believe that spending gobs of money is the only way for you to get your goods. I recently saw an ad posed as an article in a magazine that made me laugh out loud.

Money matters shopping
Do you see what I see?

At first glance it seems innocent and common enough. There is a list of the must-haves for going to the beach: Laura Prepon’s supposed picks. A tote bag, cover-up, bangle bracelet, bikini and wide brimmed hat. What made me laugh though, was when I totaled up the cost of these items: $298 for the tote, $98 for the cover-up, $75 for 3 bracelets, $225 for a bikini top and $150 for a bikini bottom, and $40 for the hat. Or a total of $886! And that is not including tax which in Puerto Rico would be about $102! So around $1,000 just to wear very little to the beach?!

Outfit
What’s in Cassie’s beach bag?

It got me thinking about my beach gear. Like Laura Prepon, the swimsuit from Marshall’s was the most expensive item at $25 (and both the top and bottom! Imagine that! You don’t have to choose whether to go topless or bottomless -haha). The hat from Me Salvé was $1.99. The tote bag I’ve had for about 15 years and I think cost something like $15 back in the day. The cover up I recently got at a clothing swap, so essentially cost me just cleaning out my clothes that no longer fit me (this is the best idea ever! -thanks Ocean State of Mind!). Regarding bracelets, for one thing I don’t wear any jewelry to the beach, but I just threw them in to be comparable. The green one I got at Kohls in Greeley for about $2 and the bead one was a gift from my momma (thanks Mom!) that I think was something like $10. For a grand total of $53.99! With tax that would be about $60 total. Quite a difference especially when you look essentially the same as if you had spent what the magazines want you to think you need!

Beach outfit
Are you beach ready at $60 or $1000?

So be careful what you buy and be careful what you read. Sometimes just reading or watching things like in magazines, catalogs, TV, internet, etc can make you want things that you would never have thought about before and also plant in your mind a sort of normalcy for spending outrageous amounts of money. Remember, if you are seeking financial freedom, your dollars are your freedom fighters so use them wisely! And while bargain shopping can be a game in and of itself, the truly best way to save money (not to mention the resources it took to make the items!) is to not spend it!

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Money Matters: How We Live On Just $1000/Month

Some people have asked for more specifics about how we were able to up and move to Puerto Rico and essentially retire before either of us turned 35. Well, let me first start this series with our budget. Your budget is sort of like your diet. It can be healthy or not, but it certainly does reflect what’s important to you. For us, living a bit more wild and free choosing how we wanted to spend our time was far more important than a lot of consumer items we could buy. Obviously not everyone wants to live like we do. But it certainly IS possible. And I would say having more freedom is worth every penny we don’t spend. If you are interested in the cost of living in general in Puerto Rico, check out this post: Cost of Living in PR.

Money Tree
Don’t we all wish we had a money tree?!

We live on only about $1000 a month. This is probably a shockingly low amount for most people, but it’s really just fine for us and it is very close to the amount we spent in Colorado except that we had a mortgage there. Less really is more and we still have a lot of fun and this is a pretty loose budget. If we needed to live on less I could probably get this down to about $700/month or $8,000/year if needed. So how does that $1000/month break down for us?

BUDGET BREAKDOWN

$500 -Food/alcohol. Approximately $100-$130/week grocery bill equates to about $500/month. While we grow a good 50% of our food it still costs a lot to buy food and alcohol. I value good, nutritious food, so this might be more than someone who just buys cheap junk processed food. Still eating in is by far cheaper (and way healthier) than eating out. This breaks down to less than $3 per meal per person (3 meals a day). If you counted the snacks/beer/coffee that we don’t go out to buy it’s even less!

Bananas
A banana tree is pretty close!

$100- Vehicle. Travel. Truck gas, marbete and maintenance like tires. We try not to drive too much and this is probably closer to $75/month but also gives some room for long distance travel or a random large mechanical problem.

$75- Going out for food. We don’t eat out much, but just a light lunch for two is about $20. Let alone a dinner. So we only go out to eat about 3 or 4 times a month.

Taco Food
Living in a tourist town can be expensive if you eat like a tourist very often! $8 for a couple of tacos is pretty common

$75 – Partying/hanging out. Hard to admit, but yah, going out once or twice a month to a bar or whatever is expensive when you start buying drinks/rounds! At least we get paid a little when we do it with the band!

$50- Clothing. We don’t buy this monthly but this would probably be an average of about $500-600/year.

$50 -Random household goods/repairs. Kitchen items, Kitty food, makeup, cleaning supplies, small tools, Rx. Stuff like that.

$50- Farm Expenses. Bird food, new plants, plant care, yard tools. Though some of this is capital improvements and/or comes back in the sale of eggs/produce or in that we don’t have to buy as much food at the store.

$50 -Utilities. Water, electricity and internet. Appx $15 each. We don’t have air conditioning or a clothes dryer and although we sometimes water our plants or mix concrete it still doesn’t seem to jump up much. Sharing is caring when it comes to internet and many other things.

$25- Medical. Doctor/Dentist -Rarely needed. Probably not even this much.

$25- Other miscellaneous expenses that inevitably pop up. Also gifts/donations.

What’s missing?
A mortgage/rent. We have no mortgage on this property. Living expenses are generally the largest expense most people have. So to be free from this is incredibly important in being able to live simply/inexpensively.
Other debt. We have no other personal debt. No student loans. No credit card balance. No home equity lines. No car payments. We live simply and don’t like debt unless it earns us money directly above and beyond what it costs to service the debt and even then I don’t really like it.
Costs related to investments in CO. Those go back into the business so aren’t counted as part of living expenses.
Most insurances. We self insure, so I suppose in a way our savings pays for this but it’s not a monthly or yearly expense.
Taxes. We pay very little taxes except sales tax. One big benefit of making less money is not having to pay much in income taxes! Property tax is $40/year or less than $4/month. Counted in other misc.
Costs related to construction. This was saved for prior to the move.
Many utilities. We don’t pay for a cell phone. We don’t have cable or even a TV. We don’t pay heating (there is no need for heating). No one pays for garbage service in PR.
Hair cuts, landscaping, car and house maintenance and other stuff we can do ourselves.
Costs related to children or divorces (like child support/alimony). Keepin’ it simple!
Very many dumb purchases. Sorry to say but some things like cigarettes, lottery tickets or bottled water are just not smart for a variety of reasons including your health, the environment and of course your budget. Alcohol is our one dumb purchase and we limit it to about $50-100/month. If we needed to save more it would be the first thing to go.
Retirement payments. We are already living it!
Most Entertainment. Most of our screen audio/visual entertainment comes from the internet.
Savings. We still save each month, but this budget list is only for expenses that are not recouped.
Travel/Vacations. This is captured under vehicle somewhat, but we can also use savings. Though I haven’t left the island in over two years, so it’s not really an expense currently. Traveling is super expensive in general!

Guajataca tunnel BK CK
Livin’ it up in Puerto Rico!

So that’s it! That’s what we spend our money on. We took a huge pay cut to move to Puerto Rico, but it didn’t really hurt because we lived on this basic budget in Colorado even when we were making a LOT more.  Though a lot of focus is on salary or pay, it doesn’t really matter what you make. It matters much more what you spend. Again to compare a diet, just as you can’t outexercise a bad diet (if you are eating more than you burn), you can’t outearn a bad spending habit (if you are spending more than you earn). You may be making a million dollars a day, but if you are spending two million you’re doing much worse than someone like us who makes maybe $1200/month but only spends $1000.

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Bee Removal From a House -The Easiest Way

Bee removal 2

Bees are a way of life here and like many things we were initially freaked out about when moving here (have you seen the rats?! haha) we have taken them on as a learning opportunity. We love bees and all the work they do. They pollinate so many of our beautiful flowers and fruit trees that there is no doubt that we want to help them as much as possible.

Tropical gardens flowers
Some of the beautiful flora we grow here

Pomarrosa flowerFlor de Pomarrosa

Bilimbe flower
Our first bilimbe flowers!

Berry thingsA wild currently unknown tree with beautiful red berries (anyone venture a guess?)

However, we really don’t want them to be living inside our walls. I wasn’t too surprised when I walked past the shed and saw a few bees entering the drain area of the wall. I knew exactly what was happening. We have had so many bees building homes in the cavities of the wood house that this was kind of expected. We have in the past hired people to come and take the bees away. And some people will use poison, but there is one other way to get the bees out of your house without actually touching them or harming them! And it is by far the easiest and cheapest!

Cassie and Kitty crop
Kitty and I are on a bee safari!

Bee time
Britton (and Kitty) getting down to bzzzzness

Cover yourself so that the bees can’t sting you and then just simply open up the cavity and walk away! In one day they will be gone. Bees need to have protection on both sides, so if one side is open, they will have no choice but to leave. And that is exactly what happened with this hive.

Bee time hiveIEmpty cavity
Lots of bees! And then one day later they are gone! Easy peasy!

The next level in this game would be to actually handle the bees and put them into a beehive where we could then harvest some of their honey. But for now we are pretty proud to be able to do this ourselves! We’ve come a long way since our first house bee hives!

Here’s a funky fun video of this easiest of bee removals. (Check out 2:45 for a close up of all the bees)

 

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