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Working Undertime
Early Retirement/FIRE, Parenting/Family
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Ontario, Canada
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

So this is the entry where I lay out all the ridiculous stuff that has happened this fall. As you know, we were merrily swimming along saving for our goals to buy the house we live in and... Read More The post Personal update: changing directions appeared first on Working Undertime. ...
Posted: Nov 17 2017 @ 9:46 PM
We’ve all been there: roadblocks in life, roadblocks in work, roadblocks in love. These often-sudden changes are those that completely knocks you off course, knocks the wind out of your sails, and then leaves you picking up the pieces trying to find another way to reach your goals*. A month ago, Mr. Tucker and I encountered one of those roadblocks that affected our living situation. We have just spent a couple ...
Posted: Oct 05 2017 @ 11:59 AM
Note: Our financial goals for 2017 include saving $18300 to buy back my pensionable years for my defined benefit pension as well as save $50000 which will make us mortgage-free at the beginning of 2018. It’s time once again for our goal-reaching roundup! If you remember, last month we had saved $38 477 – more than half way to our goal! This month we’ve climbed again and I ...
Posted: Sep 02 2017 @ 1:36 PM
Life update: So five weeks into my convalescence and I can finally go back to work and on with my life. My regular doctor wasn’t there but the fellow was and she thinks I can start walking assisted with crutches and the walking cast. This is a huge jump for me and I am excited but also apprehensive. What was interesting was the fellow saying, “You know this surgery is ...
Posted: Aug 18 2017 @ 10:14 PM
If you are Canadian and have small children, you probably receive one or more benefits from the government. If you are a family who makes under $220000 a year chances are you are getting some form of the Canada Child Benefit. The fun thing about the CCB is that unlike the GST, it’s based on net – not gross income. So you can theoretically get your net income down enough even ...
Posted: Aug 17 2017 @ 12:35 AM
I have a family member (who shall remain nameless) who I used to go shopping with at Costco. It was a social event combined with a grocery run and we had a monthly standing date to head out together. The problem with shopping with other people however is that they often influence your purchases. So while I may not pick up some widget when shopping on my own, when shopping ...
Posted: Aug 10 2017 @ 2:46 PM
When I was young and poor I got my first copy of the Tightwad Gazette (number II, if I am honest). Hilariously, I had received as part of one of those mail order clubs that were so prevalent in the 80’s and 90s. There were book clubs just like we had Columbia House, for cds. Ahh, memories. The irony of choosing this as one of my “free” books ...
Posted: Aug 08 2017 @ 7:55 PM
Alright, you’ve probably already tuned out because it’s that kind of inspirational porn that is rampant over social media: all talk, no action. OF COURSE little children are carefree; what’s your point, Tucker? Ok, hear me out, people! Check out Inspirobot for all your meme needs Watching our brood of children (all seven) play for a week non-stop at the cottage inspired this post. They swam, read books, caught turtles ...
Posted: Aug 04 2017 @ 4:23 PM
Note: Our financial goals for 2017 include saving $18300 to buy back my pensionable years for my defined contribution pension as well as save $50000 which will make us mortgage-free at the beginning of 2018. As I previously mentioned, I had yet another surgery which brings me to a total of four surgeries in a little over a year. Go hard or go home, I suppose. Mr. Tucker accuses ...
Posted: Aug 03 2017 @ 2:46 AM
(see here for Everyone loves to hate budgets – Part 1) It has been a crazy month or two to try and nail this down as we are a bit in flux with Mr. Tucker’s new job and our new government benefit payment amount (which I am shocked we still get, but hey, I’ll take it!). Still, in many ways every month is going to have some sort of issue affecting ...
Posted: Jul 20 2017 @ 5:24 PM


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