Author: Doctor in Denim

When the Answer to “How’s it Going?” is “Boring!”

When the Answer to “How’s it Going?” is “Boring!”

As you may have picked up from some of our previous posts, we like a good adventure. We realize they’re not all winners, and in fact some of them are solidly in the “once was enough” category, but we like to feel like we’re doing stuff. We also realize that being bored is a first-world problem, and we own that.

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Hacking Our Way to Hawaii (Round 2!)

Hacking Our Way to Hawaii (Round 2!)

We’ve been able to fly Hawaiian Airlines quite a few times – domestically and internationally, economy and first class – but it’s only in the last 12 months that we’ve flown HA with the kids.

The first trip to Hawaii with the kids was a wonderful week in Maui March of 2018, when Baby J was 9 months old. You can read here about the costs of the entire trip, as well as comparable costs if we had paid cash.

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Paying Taxes with a Credit Card

Paying Taxes with a Credit Card

Yes, I took that picture of the shark. No, I was not in the water with it (aquariums for the win), although I am proud to say I have snorkeled with sharks a couple of times. A shark picture seemed appropriate for a post about taxes and credit cards; they all are potentially scary, and they are frequently misunderstood.


So last month I put $24,130 of our personal taxes on a credit card. You read that right. The same person who tracked her family’s spending down to the penny last year, bought her kids second-hand toys for Christmas, and advocates super aggressive debt repayment just put tens of thousands of dollars of money she owed to the government onto a credit card!

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Office Skills!

Office Skills!

I’m sharing this here due to popular request! I apologize to everyone who is not in my field; these posts are not going contain much that can hold your interest. I’ll get back to rambling about other topics later this week.

Back Office Skills

This is the “skills checklist” we give to new members of our back office team. They can bring it with them when they request raises if they want to.

Obviously, this is not going to be super useful if you are not in our particular field (orthodontics). Even if you are in this field, you will want to design a skills list that fits your unique practice, team, and office culture.

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$500k of Business Debt Bites the Dust

$500k of Business Debt Bites the Dust

Honestly, it’s mind blowing for me to write this post. I have major imposter syndrome anytime I even think about numbers this high.

And before we go any farther: please don’t send me messages telling me I’m limiting myself by “not thinking big” or some such nonsense. These are freaking huge numbers. And not only on a global scale (where the median household income is under 10k) but in the USA as well (where the median household income is about $61k) and even in the shiny bubble of doctor salaries that I live in, where the average individual income is anywhere from $100k to $300k depending on your specialty and time in practice and blah blah blah.

So, yes, it feels crazy to write this post. It’s also really fun for me to write this post, because I’ve been waiting impatiently for this day ever since I realized it was within my grasp this calendar year.

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Our Family’s 2018 Spending (and How We Could Have Spent Less)

Our Family’s 2018 Spending (and How We Could Have Spent Less)

A couple quick notes before we dive in to the numbers:

I decided back in January of 2018 to share our family’s spending publicly for a whole year. This was an attempt to prove that doctors do not have to spend a totally ridiculous amount of money to live well and love life and more importantly a strategy to make us take a cold hard look at where all our cash was going and decide whether we liked what we saw.

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Flying the Family-Friendly Skies: British Airways with Kids

Flying the Family-Friendly Skies: British Airways with Kids

If you’re wondering which airline has the best champagne selection or the highest thread count on their linens, this is not the post you’re looking for.

Our family travel style is very middle-of-the-road for international travelers. We fly in basic economy most of the time. Sure, we love a good airport lounge and we very occasionally spring for the lay-flat beds on nighttime flights. But we also are not “luxury” travelers. We don’t care about alcohol selection and don’t like to be checked on every 10 minutes. We do love getting from Point A to Point B without dreading our travel days, even if Point B is halfway across the world.

So here’s my review of British Air and our flights to and from Switzerland this year with our preteen C and our little toddler J.

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Adventuring in the Alps and Other December Spending

Adventuring in the Alps and Other December Spending

December included a wonderful few days of celebrating Christmas with loved ones in our hometown, followed by the excitement of jetting off to Interlaken, Switzerland to ring in the New Year with some good friends. (I included the whole trip in our “December spending” even though it overlapped January by 4 days.)

A quick reminder: these monthly spending reports are an effort to keep myself accountable to the idea that doctors do not have to spend a totally ridiculous amount of money to live well and love life. We’ve now successfully done these spending reports for every month in 2018.

As I have mentioned before, we do not do traditional budgeting. You absolutely should do traditional budgeting if that works for you as a way to control your spending.  More on this topic here.

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What Does it Cost to Take a Family to Switzerland?

What Does it Cost to Take a Family to Switzerland?

Joining Maui, Las Vegas, and Camano Island on our “2018 vacations we travel-hacked” list is Switzerland! This was my sixth time to Switzerland but my first time bringing kids along.

The Trip

Once again, we traveled at a peak time to a destination famous for being expensive. We were in Switzerland for 7 nights over the holidays, and also traveled overnight getting there and getting home – so we were away from home for 9 nights, 10 if you include the airport hotel the night before the trip.

We were mostly in the Berner Oberland, exploring Interlaken, Thun, Murren, and Grindelwald, with a brief visit to Zurich on our way home.

We had the obvious advantage of staying with friends for the majority of the trip, although this did not mean they footed the bill for all our food. In fact, we ate out almost every day and consumed as much local chocolate and cheese as we could get our hands on… which you’ll see reflected in our dining/grocery spending.

We also willingly took on the extra expense of premium economy and business class air travel, as well as three nice hotel stays to make our flight schedule more convenient. You could easily do Switzerland for less than this, particularly if you don’t mind flying in basic economy in the off season (and if you have the advantage of flying from closer than the west coast of the USA). You could also do this trip for a heck of a lot more.

Below is the cost breakdown for our trip, and as such the last of our spending for 2018. This is for a family of 4 during the ever-popular travel time of Christmas break.

(You can also check out our review of flying British Air with the munchkins and our tips for air travel with infants.) 

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