Saturday, 13 March 2010
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Saving Money
I have never been a saver. I worked in finance for a few years and so I quickly learned the importance of saving for retirement -and that was about the only thing I did save for. I had a small savings account to cover large expenses (like car repairs) but mostly I set aside my retirement savings and spent the rest. Whatever I wanted I bought for myself (well, you know what I mean). But, I did set by a good chunk in my
Roth 401(k), after all, I figured that once I retired I would like to continue spending money.
Then I heard about voluntary simplicity, I learned about New Monasticism, I heard an interview with the woman who wrote "Not Spending It", my very good friend started telling me all about how she wasn't a spender -she saved, saved, saved. I was intrigued; because there were things that I wanted to save for (like a house) and because all my spending was fun but not fulfilling. And, of course, you know the rest.
I stopped spending money. I just quit cold turkey, and it was easier than I thought it would be.
I am not a strong-will-power person. I eat dessert every time, can't stick to a diet, definitely can't stick to a budget, and tend to procrastinate. I was able to do this project because of a couple of things. First, I had a partner in crime -my husband. I have someone to be accountable to and someone who is as committed to this project as I am. Second, I made the rules simple. I didn't come up with elaborate exceptions or give myself rewards, I can't buy anything. Though extreme, it is easier for me because I can't make excuses. I can't buy something early, or make exceptions for myself. Nada. Nothing.
The thing that surprises me is that I love saving money. Don't get me wrong, I still love shopping -mostly because I love pretty things (I could tell when I was at World Market today, a place I find very tempting). But I don't agonize anymore about not spending money and it is easy to walk away because I have no other choice. And as much as I love pretty things I also love being thrifty and clever. I love finding free things and making things. I love find coupons and specials. With eight more months of this ahead of me I hope to be thoroughly addicted by the end. I don't miss shopping at all.
What savings have I been up to lately? Well, a couple of weekends ago World Market had a coupon in the ad flyers for $10 off a $30 purchase. That was great because there are foods that we buy there, pasta and oil, namely. So I gathered a few of the coupons from the trashcan in the mail room (where everyone throws away the weekend flyer without looking at it) and have made several trips to the store. I now have enough pasta to last me for several months (along with a stock pile of few other things). All the stuff I stocked up on is stuff that I would have bought anyway, but I saved $40 because I was able to buy it now. Even better, I am part of the World Market rewards program and after I spend $100 I get $10 back. That means for the $80 I spent I earned $8. So I bought $120 worth of groceries for $72, that's a 40% savings! Of course, it sounds crazy to spend $80 in one month at World Market, but since I'm not spending money on anything else I have the cash to stock up for the future.
I was thinking about this awesome savings venture and was curious about the other things I could save on. I have not traditionally been a coupon clipper but I think that I am now hooked. I found a coupon for our toothpaste, for vegetables and for tuna fish. I have recently been to the Crown Prince website (I buy their sardines) and learned that they have a frequent buyer program. For every 5 labels you mail to them they will mail you 5 coupons for 50 cents off any Crown Prince product. I am seriously considering switching to their tuna because of this, but I have to check the prices first.
Husband suggested that I look into ordering some of our frequent items online where I can buy them bulk. Amazon sells a lot of our favorite packaged foods for cheaper than we can get them in the store. Though our favorite (and sadly expensive) cranberry juice is MORE when you buy it online. My rules with this are that it has to be less expensive including shipping and it has to be a non-local product. I can order my sardines online because you can't get Michigan sardines. I can't order peanut butter because I buy from a local company. Of course, once I order sardines and have all those labels it will be cheaper to buy them in the store because of the coupons.
So, do you have savings tips for me?
Friday, 26 February 2010
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Family Matters
Readers, it has been an eventful week.
My grandfather died this week. No undue sympathy, please, we were not close. I haven't seen him since I was around three years old. I'm finding that his death is not a grieving time for me so much as an emotionally weird time. My mom's two younger half sisters (my mom's parents divorced when she was an infant and her father remarried but she lived with her mom) have been in contact with her and now me. It is nice to gain 'new' family, but also peculiar. I have dubbed this year 'The Year of Long Lost Family'. If you think you might be related to me, please let me know, I am quite at my leisure.
I found my grandfather's obituary to be a little odd, though I can't put my finger on why. It's touching that my family was included in it, since we really didn't know him (some of my siblings have never even talked to him) but it just reads strangely to me. Maybe because his family is from a different religious tradition than the people in my general acquaintance? Here is the obit -let me know what you think.
Also, I did not know that my grandfather had his PhD, though my grandmother has hinted at it in the past, now that I think about it. I think that's pretty awesome. In my more immediate family (aka, the grandparents, aunts and uncles, etc. that I grew up with), I was the first person to graduate with a college degree. It's strange to come from two have two such opposite heritages. But I'm please to have another PhD in the family, I wish I could have talked about that with him before he died. I'm not even sure he knew I was in graduate school. His PhD was in inorganic chemistry. Maybe I'll try to look up one of his articles...not that I'll understand it, I'm sure. :o)
Monday, 01 February 2010
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23 Days in and we bought something
Well friends, we bought something only 23 days into our no buy year, a new battery for Dan's laptop.
His battery hasn't been holding a charge for a couple of months now, and it was our intention to keep the computer plugged in all the time. Inconvenient but easily doable. But then his cord broke and he couldn't use the computer at all. Luckily, he had just bought the cord in June and it was still under warranty, so Apple replaced it for free...and since he was already at the store we decided he should just buy the new battery, too. That's $100.
What do you think, was it worth it? Should we have stuck with our plan of just making do? His laptop is several years old already, though it functions very well minus the power issues. Electronics waste is some of the worst and most prolific waste in our culture right now. Electronics are obsolete quickly and their parts have heavy metals which are dangerous pollutants. Now, Dan recycled his computer battery so that helps me to feel better...I guess I am just seeing a lot of grey area on this decision.
The other reason I am torn on this one is that we are technologies heavy household. We have three laptops, mine for school, Dan's from school, and Dan's for work. We also have my old broken laptop which won't turn on but which I don't want to get rid of until I can wipe the hard drive. A desk top computer (Dan's from college, but we don't have a monitor right now, nor the space to set it up). And finally, we have Beth's desk top, Already that's a lot of stuff to dispose of (in the future). I am sure some of you are in the same boat. What are your thoughts on culture necessity of electronics versus the landfill volume of obsolete equipment?
Currently
Walden
By Henry David Thoreau
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Friday, 29 January 2010
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Wind-chapped
I know it is full blow winter now because my skin is misbehaving and my wool coat is not warm enough on its own. Time to break out the long underwear and the heavy duty moisturizers. Like my mother I have skin that is prone to environmental damage and like my mother neglect it terribly. Cracked heels, chapped lips, dry hands, sun-damaged shoulders. Santa put a terrific lotion in my stocking this Christmas. Say Yes to Carrots body lotion. It has less of vegetable extracts, and I hope lots of anti-oxidants and hope putting it on my shoulders will relieve some of the damage. It is a nice lotion and I can even use it on my with no problems. I like multi-functional products. Unfortunately, I agreed that this year I can't buy new lotion until I used up all the other lotion in my house...and there is quite a bit of it...so when I run out of my Carrot lotion I will have to make do. Still, if I can remember to moisturize every day I think I will be ahead of the curve no matter what lotion I am using.
Can I share a secret (it probably isn't much of a secret really)? I am terrified of turning 30. Every time I think about getting older I have a little crisis. It makes me almost panicky. And, of course, no one understands what's wrong with me. I don't even understand what's wrong with me! For some reason, the thought of aging puts me in a dead sweat. I am a successful, well-adjusted (nearly) woman, there is no reason for me to fear the future, or to feel like I have left something in my 20s unaccomplished. What could be causing this?
Saturday, 16 January 2010
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Changing Tides
Well folks, school has started again and I am once again reminded how much I love academia. I feel so blessed and so happy being in school. I realize that some people don't understand that at all. I know more than one person who can't imagine being back in school. For me, the rhythms and rhymes of school are comforting, homey, peaceful. The work is relaxing and enjoyable (at the end of the semester the work is incredibly stressful and enjoyable).
I like my classes this semester -statistics, professional development, and an ethics/philosophy class on sustainability. I am taking up a research project -starting where another student (who moved to California) has left off. Plus, I have my own (shared) office space up on the fourth floor of my building. The wind blows strangely through the hallway up there, howling and creepy when it is late at night. The ceilings are slanted and the windows are dormered. There are two other girls in my office; we have old metal Steelcase desks with wooden surfaces. In the metal drawers of my desk are pencils and files and post it notes. The room is filled with empty filing cabinets, rolls of old Sociology poster, and the faint smell of pencil shavings. We have an old industrial metal coat tree. The room as a whole has vintage, pre-war feel to it. I love things with pre-war style.
Our no-buy experiment is progressing well. I went grocery shopping hungry tonight and I really wanted to buy a candy as I waited in line. But, I stayed strong! Yes! I also went out this week with some friends and I had just water and it wasn't awkward at all. I was nonchalant about it and everything was cool; I'm glad to know it is a viable option for the future. I will say though, that I am torn about whether to tell people that I am not buying stuff or not. I am afraid that people who know will feel obligated to buy things for me, which I absolutely do not want them to do. So when I go out with friends, do I talk about the experiment or not? What do you think?
Friday, 08 January 2010
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Day Three
Well, it has only been three days and already I am beginning to get an idea of how often I spend mindlessly. I notice all the time now that I make mental notes to myself to buy something later -yoga pants are on sale at Old Navy, Dan would like such-and-such book, It would be cool to own ---, my sister wants to go out to lunch, today is Friday I could buy some challah from the bakery. On and on and on, an endless list of consumerism running through my head.
I estimate that in three days the amount of money that we have saved (that we would have spent) totals somewhere around $50. The thing is, none of it (except the lunches we would have eaten out) is stuff that would seem wasteful to buy. My current yoga pants have paint stains all over them and a hole at the waist. Dan's birthday is coming up and so buying a book wouldn't be amiss. We have plans for parties and house guests in the near future. We are almost out of bread.
But now our motto is "Use it up, wear it out, make do or do without". I can mend my yoga pants and live with the paint stains. I already have gifts for Dan's birthday. We don't need gadgets for our house guests (they won't even know what they're missing). And, I can bake my own bread -heck, I can bake my own challah.
Yes, I am starting to get a taste of just how often I buy what I "need" when I don't really need it. Humbled in only three days.
Whatever happens this year, don't let me deceive you into thinking we were thrifty people before it began because we absolutely weren't! We spent the days leading up to our frugal year spending like crazy. I bought three pairs of shoes! Dan bought shoes. We bought snowshoes and boot socks. I bought material for the curtains I am hanging up in our bedroom and hardware for hanging them. We renewed AAA. We bought a fish spatula and sock yarn for darning. Lots of little things. I feel stocked up for now so hopefully it will last.
I have a secret though -I bought a pair of cute summer shoes that I am not going to wear until this summer. Is that cheating? I'm stashing them away until the snow melts and the weather turns warm.
Friday, 01 January 2010
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2010
I am in Novi at a house party with college friends. We came for New Year's Eve and will be staying until Sunday when we are attending the Lion/Bears game at Ford Field. I have never been to an NFL game before and I am very excited :)
Meanwhile, we have been watching lots of football which has been really fun -except that I was going for the Ducks and they had a disappointing loss. Now I am watching the Florida game -and scouring the sidelines for Denver.
Only one week left of Christmas break and I am quite a bit behind with my plans. I have not finished any of my reading, I have not finished (or started) my bedroom redecorating, and I have not finished my Christmas crafting. I haven't written Christmas cards and I haven't done much of my school work. Whew. I can finish my Christmas cards and some of my crafts this weekend. The reading is going to go by the wayside, I am afraid. Dan and I are going to work hard on our bedroom when we get home next week. Today I caught up on my backed emails from school.
Also, we have some preparations for our no-buying year. D needs new gym shoes, I need new snow boots, we are both buying used snowshoes (yay!). We need to renew our AAA membership. I have to admit that may have been spending quite a bit the last two weeks. I'm pretty sure that we haven't missed an opportunity to eat out and we've been going to the movies. It's been nice but hopefully it won't make not-spending that much more difficult.
Happy New Year Everyone!
Monday, 21 December 2009
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Getting ready to make New Year's resolutions
Dan and I are embarking a grand adventure for 2010 (specifically, January 6, 2010-January 6, 2011), following in the footsteps of journalist Judith Levine (and several copycat bloggers) we are going to buy nothing in 2010.
OK, I know you are about to ask how that is possible -well, the answer is that, of course, we will buy food, gasoline, utilities, and a few other pre-approved things. But we won't buy unnecessary items. No eating out, no going to the movies, no clothes or shoe shopping, no buying gifts, no buying junk food, no buying alcohol...I could go on.
Can we do this for a year? I don't know but we are going to try!
And I should confess, we have a few exceptions to our miserly ways: Dan is in a wedding in July which involves a number of expenses; we are going on a road trip to Montana in May; we have Valentine's Day plans with friends already; and finally, Dan's dad is on the lookout for a good used car for us which we will buy sometime early in 2010. Strictly speaking, we don't need a second car BUT we've been planning for this expense for a while so we're going with it anyway.
Weigh in with your thoughts -you have two weeks to persuade us that we are crazy!
Currently
Not Buying It: My Year Without Shopping
By Judith Levine
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Saturday, 05 December 2009
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Coffee Mugs
When we were in Vermont we went to a wonderful little diner that makes your typical greasy spoon breakfasts but with fresh, local, wonderful ingredients (like the original greasy spoon diners of yore). The food was truly a wonder and the atmosphere (a little train diner car) was superb.
To top it all off, they had the perfect style coffee mug -the real thick white ceramic mugs that keep your coffee hot forever. Well, I didn't have coffee that day, I had a peppermint tea grown in Vermont. It came in a great little hand-wrapped package. Anyway, the best part of coffee mugs were the Wendell Berry quotes on the side of them! I bought one just because of it. "Eating is an Agricultural Act" The story of my life.
Another quote that they had on a tee-shirt (not from W.Berry, just a cool quote) was "Think globally, act neighborly" Perfection!
For any of you traveling to Vermont in the near future -the name of the diner was The Farmers Diner in Queechee, Vermont. (I think they might have a second location -definitely check out their website).
Now I am curled up with my W.Berry mug of steaming tea -a mix of Earl Grey and Vanilla. It's snowing outside and Christmas music is playing on the TV.
For all you Scrooges out there, I just learned that in Norway they celebrate Christmas until St Canute's Day on January 13th! I knew that being Norwegian was great (and not just for all the butter)!
It'a almost Christmas break! Just 12 more days!
Thursday, 03 December 2009
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Flurries this morning but still no snow on the ground. But, I have done my dance to Heikki Lunta so it is now only a matter of time. The meterologists agree -snow is coming fast and hard for the end of the week. We may have a blizzard. I expected nothing less from Heikki Lunta.
Here is how my weekly commute to MSU works. On Monday I ride with a friend from Grand Rapids. On Tuesday I drive myself. On Wednesday I ride again with my friend from GR but I have a night class so I ride home with a different friend from GR who is in the same class. Every other week my Wednesday night friend must stay until Thursday morning when he has a group meeting with his advisor. So every other Wednesday we stay over night at his advisor's house. Very hospitable, I must say.
In reality, this advisor and his family are incredibly open and hospitable people. They love having people over, they love helping out strays who need a home, they just want to be surrounded with community. More and more I see them as role models for the kind of life I want to lead. It has been great for me to get to know them and great to find community in what is becoming my other hometown (after GR). I'm heartened to find that there are people everywhere who care about welcoming the other, about taking care of one another, and about being intentional in how they live their lives. It's amazing to find a safe place, a warm house you can turn to and people who want to help you.
And as wonderful as it has been for me it has been even more amazing for my friend. He isn't used to this sort of thing, you see. Where I found someone who values the same things I do, my friend found a community that is more hospitable and open then he could have even imagined. He comes from a very typical American background in which a man's home is his castle, his place of refuge from the world and a place where he retreats from others. But here he has found a home where the inhabitants believe their lives are better because they can invite someone into it. Who believe in taking a risk on someone, and who are happier sharing their table and their rooms than eating alone. Already I have seen how this radical hospitality is transforming his world view (he has been invited to live rent free with his advisor's family for half of the week so he doesn't have to commute so much). He is embarrassed, empowered, shocked, and appreciative. He is growing to see a world which can be a better place by people reaching out to one another. It brings a lot of joy to my heart to see this happening.
I stayed overnight last night and today I am sitting in a coffee shop drinking hot chocolate (my new favorite drink -in New Hampshire last week I had some homemade marshmallows -terrific!). I am blessed that my department is located in building on the edge of campus, right across the street from a coffee shop, a bar, several restaurants, and some book stores. The coffee shop is the unofficial hangout of our department and at any given time you can find several people in here. The shop also has an outside seating area that is heated and is a great place to take advantage of being outdoors in the winter.
Now it is time for me to get back to my reading.
(For those of you not in the know, Heikki Lunta is the Yooper Finnish god of snow.)
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About Me
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A twenty-something girl exploring the world from her urban Midwest home. I live with my husband-of-nearly-two-years in a walk up apartment (actually, there is an elevator if you can get it to work) in a renaissance neighborhood that is vibrant and diverse. I am a PhD student studying Food and Agriculture Systems Sociology. My work is my vocation. I am studying what I love. I am on a mission to learn about community, hospitality and shalom -and this blog will be a place that I can write about these things. Common topics may be the neighborhood that I live in, the house church I attend, environmentalism, old fashioned homemaking, food, and agriculture, and school work. I started Thomas Merton's book, "No Man is an Island" in October 2009 and will take the next two-thirds of the year to work my way through it section by section. I expect I will also write a great deal about that here.
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