Archive for the ‘Quality of Life’ Category

When the Economy Turns Around, Will You Still be Frugal?

Wednesday, December 2nd, 2009

I was reading another blogger’s post today and thinking a little about all the internet blogs devoted to coupons, deals, and generally stretching money. Our family had already been a frugal group before the recession. This was mainly because I stay home with our kids and thus our family functions on my husband’s income alone. Although our income has not been affected by the recession, we really dug in with additional money saving actions such as switching to compact flourecent bulbs, curtailing energy use, and eating out less. It really had to do with the daily bunch of news stories conveying negativity, hearing about fellow churchgoers or family who had lost jobs, and of course businesses laying off employees. We’ve also had a little fun with our frugality at times. When we’ve gone crazy being cheap, we’ve wound up with a lot of extra money to do things we don’t usually do. I certainly hope that America has decided as a country to return to the principles we once had – thrift and savings. In the last boom, our country’s savings rate went into negative territory and our credit card spending went through the roof. Our family certainly will operate with a different attitude when our economy recovers. How about yours?

Here are a few of the articles that really got me thinking:

Recession Means Frugal Weddings

Holiday Gift Lists Shrink in Recession

Credit Card Spending is Down for Holidays

I Avoided Black Friday Shopping

Saturday, November 28th, 2009

blackfriday

(First, let me apologize for returning a day later than I promised. Since starting this site, I have not really taken a vacation from it and that includes posting articles while I was on vacation in Denver in August. I just really need a break.)

After participating in the Black Friday shopping in years past, I’ve decided to avoid the madness for the most part this year. The Friday after Thanksgiving could be a lot of good things for people, but many choose to spend it in stores. I made the decision to shop at one store for a few minutes (for some boots that I was going to buy anyway) purposely away from any Wal-Mart, Target, or shopping mall. I spent an hour away from home for this trip. We spent the day together as a family since my husband had the entire week off from work. I consider the fact that I’m not concerned about any sales one of the rewards of our year-round thrift and frugality. If you’ve been saving money all year long by buying in bulk, cooking at home, making opportunistic purchases, and of course putting aside some money, staying home on a day when retailers are trying to entice you doesn’t hurt much. Here are some of the things I did instead of shopping:

  • Cooked breakfast together and taught my 13 year old twin daughters the finer points of fried eggs
  • Colored with my son
  • Spent time in the backyard with our young son
  • Turned over my compost heap
  • Cooked and ate lunch at home as a family
  • Took a long bath
  • Took our kids to their grandmother’s house for a sleepover
  • Ate a wonderful dinner with my husband here: The Wedge
  • Saw this movie with my husband
  • Visited our friends’ new hair salon

One of the things that really got me thinking about Black Friday was the name of it. Sure, it sounds sort of ominous since it’s “black.” However, it’s pure business terminology for retailers. The “black” is an accounting term. Many retailers have been in the “red” most of the year and in accounting lingo they enter the “black” after Thanksgiving. This is much like most of us are working the first several months of the year solely to pay taxes. More people participated in Black Friday last year than voted in the Presidential election. Read more about Black Friday here and you may understand my conviction to avoid it. The trick is to lure customers to their stores with the promise of $3 toasters, $5 flash drives, and underpriced novels to get them to purchase other things that generate great profit margins. I just decided that I’ll pass. I’ll go to these same stores after New Year’s!

It Was A Good Day

Sunday, August 2nd, 2009

Saturday was a great day. I had not planned how the day was going to go. My husband has a rare weekend off from music and we had no plans but to spend time together. However, it seemed funny the way everything came together by the end of the day. Looking back, I saw that items that we purchased or things done prior to this Saturday helped us to keep our costs down. We still had a great day with our family without ever feeling that we were on a budget or living frugally.

  • We got up this morning and went to The Home Depot Kids Workshop to build the Message Center project. The kids enjoyed this immensely. It was something they would actually use, and they built it themselves. The best part is that it’s free and the kids all learned something.
  • Our basil plants are on overdrive and have produced far more basil than one family could ever use. I dropped off a grocery bag full of basil to a friend who enjoys it as much as we do. It was the equivalent of about $50.00 worth of fresh basil if it were purchased from the grocery store.
  • My printer is on the fritz so we stopped at the library to print two coupons that I planned on using at Kohl’s later in the day. The cost was $.30 to print the coupons, but I would be saving far more than the cost of printing them.
  • After our morning errands, we returned home for lunch. My husband cooked lunch on our makeshift grill. Lunch was made from a package of two large Honeysuckle White turkey breasts that were purchased with a coupon received for complimenting the company’s product, and broccoli that was purchased on sale for less than $1.00. The total cost of our lunch was less than $5.00. We brined the turkey breasts in a salt and sugar solution and then seasoned them with Goya Adobo (green bottle w/ cumin) for a subtle Spanish flavor. We squeezed lime over the meat after it was finished cooking and served it with steamed broccoli.
  • After our son took a nap, we then went to Kohl’s department store to purchase a school outfit or two for our twelve year old twin girls. We used a $5 coupon that we received when we agreed to sign up for email notifications from Kohl’s, and we also received a 15% email discount because of the same email notifications. The combination of these two discounts saved us over $16 on a purchase of around $92.00 with sales tax.
  • Target was in the same area and we needed to purchase cat litter. While there we picked up a couple of school supplies and I was able to purchase five boxes of Hefty One Zip bags (22ct) for about $.10 each since they were on markdown plus I had a coupon. While in Target, my husband noticed that the Ghiradelli Bittersweet chocolate chips we use in our chocolate chip cookie recipe (from Cooks Illustrated) were on sale for $0.40 less than Wal-Mart sells them.
  • We went to Starbucks to finish our family evening. For the 5 of us, the total spent at Starbucks was $14.46. However, we felt so good about the day that such a purchase didn’t make us feel bad at all. On our way out, we were able to bring home three huge bags of Starbucks coffee grounds (free for the taking) for our new compost pile.
  • After returning home and settling in for the evening, my husband “prepped” a breakfast casserole with ingredients that totaled well under the $5.00 mark. We’ll store this in the refrigerator overnight and then bake it on Sunday morning. The eggs were purchased on sale for $.48, the breakfast sausage was purchased for $.25 on sale with a coupon, and the Orowheat Whole Wheat bread was purchased from our day-old discount bread store for $1.09 a loaf. He used dried thyme from our garden.

When we returned home and reflected on the day and how nice it was, we realized that we had a “good day” in the business sense but really didn’t go out of our way to save money. The money we saved was the result of our lifestyle over a period of time and we were pretty much on autopilot all day long.

15 Simple Things to Enhance Your Quality of Life

Friday, July 31st, 2009

1.        Eliminate fried foods or fast foods from your daily diet. Once in a while is fine. Eating fast food 4 times a week is terrible. Fast food has a ton of salt, fat, and carbs that sap your energy.  When you go to these places you spend too much money and tend to drink carbonated sodas with your meal.  Eat more foods that grow on trees and plants and less foods that are manufactured in plants! If you must eat out, get a salad for a change.

2.       Walk 20 minutes a day, 5 days a week, outside if possible.

3.       Drink plenty of water. Cut back on the caffeine, alcohol, and soda. This will help your rest quality as well as your digestive health. Being dehydrated is bad for you.

4.       Forgive others. Carrying bitterness around only eats you from the inside.

5.       Contact a friend you haven’t been in touch with for a while. Relationships matter.

6.       Meet somebody new this week. Go out of your way to do this. I have some great neighbors and I’ve gone out of my way to introduce myself.

7.       Smile.

8.       Buy a DVR and record your late night shows so you can get more sleep.

9.       Grow something you can eat. If you live in an apartment, grow something in planters like herbs. If you live in a small house, plant a 4 foot by 4 foot garden and plant things that will have success. If you live somewhere like a condo or apartment with a porch that gets partial sun, grow mint or oregano – these plants love the shade.

10.   Don’t compare your life to others – our journeys are all different

11.   Read a book. Figure out how to do this for at least 30 minutes a day.

12.   Eat smaller dinners and eat dinner earlier.

13.   Find something that you spend money on that is a total waste and then eliminate it. Do you really need to drink a soda or coffee every single day? If you eliminated a soda a day, that is $30.00 a month or more you could give to your church, a child’s college fund, or perhaps a vacation fund. Chances are, this wasteful spending is also a waste of your time.

14.   Give of your time or resources in some way. Could you do something in your church? Could you help somebody out?

15.   Call someone in your family