Showing posts with label Frugal Living. Show all posts
Showing posts with label Frugal Living. Show all posts

Sunday, September 30, 2012

Pilgrimage to JC Penny

I still remember the annual school shopping event.  We lived in the suburbs of Seattle and mom would take us once a year school shopping at JC Pennys.  It was across the lake to the downtown heart of the city.  This was long before shopping became a regular entertainment event at least for the people I knew.  The next big shopping event would be for Christmas and we kids were not part of it.  I am always amazed how much things have changed!  I'm sure most teenagers cannot imagine what they would do for fun if shopping was taken off the list.

Even though where I live there are endless places one could shop for fall clothing I still do the annual event.  As you know from other posts I love the deals I find at garage sales and nothing, I mean NOTHING compares to the price.  But there is a reason why I return to JC Penneys and it is their Worthington line among the others.  There are a few reasons for this:
  • Affordable prices
  • Durable quality safe for the washer and dryer
  • Professional look
  • Most of all - Worthington pants actually fit a woman's body!
No, this is NOT me.  I wish! :)

I actually have slacks that have been worn for five years and are still in good condition.  Last year I replenished my slacks supply so have a row from black to brown to olive to tan all lined up.  This year the trek was necessary because it REALLY was time to replace my worn forever black jacket. 

The other thing I wanted to find was some straight leg black pants to go with my saddle shoes.  Guess what?  They were on sale for $15!

It gets better...there were some $2 racks.  We went wild!  Between two ladies we got 13 items at $2 each!  We didn't even look at the $10 and $12 racks that were packed.

My grand total for a jacket, pants, one skirt, and 4 blouses was less than $60!  I will continue to browse but I am really good to go for the fall and winter when added to my previous finds.  I'm still trying to figure out where I can wear my green sequin floor length dress I got for $3 at a garage sale.

Another thing that really pleased me about this years selection was in the teen section and were called  Skinny Jeans.  I love the colors!  I admit I am so tired of seeing girls wearing blue jeans all the time.  What happened to variety and dresses, skirts, and colors?  Skinny jeans come in so many colors, I think I saw at least 12 bright varieties.  With Christmas coming around the corner I know what I will be buying for the teen on my list.
 
For those who are realizing that it is time to put away the tank tops and see what sweaters still fit here are the popular colors for this fall:
 
 
I found this cute website for those who like to find fashion on a budget.  Uber Chic for Cheap.  As you head into the office or work place this fall it's fun to receive a compliment knowing that the outfit you are are wearing cost less than a cup of coffee at Starbucks.



Sunday, September 23, 2012

Bare Necessities

If you were to ask almost any adult what the necessities of life were they would rattle them off with ease:

  • Food
  • Clothing
  • Shelter

Depending on a persons health they may add medical care to that all important list.

So simple. So straightforward.

What we speak with our mouths is not always what or how we really view reality. The Minimum Basic Budget in the book focuses on making sure that this is where we place our efforts and in doing so may free us sooner for recovery from financial hardship or position us to get off any type of public assistance or subsity sooner.

Yet so many don't, can't, or won't take the steps necessary. Our lives indicate certain other things that many hold important. How do I know? Riding the bus and listening to others around me some of the most common things people hold onto that may contribute to them not taking the steps they need are:

  • Cell phones*
  • Cable t.v.
  • Eating out
  • Internet*
  • entertainment
  • Name brand clothing
  • Gifts for social events
  • Alcohol
  • Cigarettes 

*Sometimes these are a necessity for those in home business, realtors, etc.

Maybe it is not even one or two of the items above that will sink the ship but often it is a combination of many or all of the above that keeps people from having what they really need for themselves and children which is:

  • Food
  • Clothing
  • Shelter

It is indeed hard to adjust or break our pet habits even if for a temporary basis for long term gain.

As I have talked to people even mentioning a temporary reprive the resulting response is not just unfavorable but can get downright uncomfortable. I guess I'm just not very good at phrasing it with my often direct approach. A much better instructor is my childhood teacher Baloo from the Jungle Book. If you have never heard the song or it's been a while I hope you will check it out and use it for your budgeting motto to help you over the hurtles.

 
Look for the bare necessities
The simple bare necessities
Forget about your worries and your strife
I mean the bare necessities
Old Mother Nature's recipes
That brings the bare necessities of life
 
Wherever I wander, wherever I roam
I couldn't be fonder of my big home
The bees are buzzin' in the tree
To make some honey just for me
When you look under the rocks and plants
And take a glance at the fancy ants
Then maybe try a few
 
The bare necessities of life will come to you
They'll come to you!
 
Look for the bare necessities
The simple bare necessities
Forget about your worries and your strife
I mean the bare necessities
That's why a bear can rest at ease
With just the bare necessities of life
 
Now when you pick a pawpaw
Or a prickly pear
And you prick a raw paw
Next time beware
Don't pick the prickly pear by the paw
When you pick a pear
Try to use the claw
But you don't need to use the claw
When you pick a pear of the big pawpaw
Have I given you a clue ?
 
The bare necessities of life will come to you
They'll come to you!
 
So just try and relax, yeah cool it
Fall apart in my backyard
'Cause let me tell you something little britches
If you act like that bee acts, uh uh
You're working too hard
 
And don't spend your time lookin' around
For something you want that can't be found
When you find out you can live without it
And go along not thinkin' about it
I'll tell you something true
 
The bare necessities of life will come to you
 
 

Wednesday, September 12, 2012

Campbells Soup. Ummm Ummm Good

I grew up on Campbell's Soup and aways loved it.  Nothing goes better with a grilled cheese sandwich than tomato soup.  With a tuna sandwich my favorite was chicken noodle.  It is not surprising that people in many generations are familiar the company since it was founded in 1860 based on this article I located in a blog titled The Material Culture Museum :

"Nearly 150 years after its inception, The Campbell’s Soup Company remains one of the most successful food corporations in the world. It dates back to 1860 when Abraham Anderson, an icebox manufacturer, opened a canning factory in Camden. In 1869, Joseph A. Campbell, a Philadelphia produce vendor, went into partnership with Anderson and together, the two began canning and selling vegetables, condiments and other goods. By 1876, three years after Walt Whitman arrived in Camden, Anderson was out of the picture, and Campbell had taken full control of the business and renamed it the Joseph Campbell & Company."
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The history of the company is quite interesting and though some might not like them I always felt an affinity with the Campbell's Soup Kids and have a set of potholders in my sewing box I need to finish now that I think of it.
 
Recently I did a post on my lunch choices.  Admittedly this is not the most economical way for a noon time meal but compared to the others in my office who go out to lunch each day I am saving a bundle.  Every few months I have to change it up a little as I get bored with my selection.  Imagine my delight last time I went shopping and found that Campbell's had introduced a new line of soups, and they are delicious!  I know I do get excited about little things but gratitude is one of the best ways to appreciate our lives no matter what the situation.
 
One of the really neat things about these soups in addition to the varieties is that they can be heated right in their bags and it only takes 2 minutes so one is not creating a line-up at the office microwave.  These are wonderful for a lunch or an addition to any dinner meal.
 
Ummm, Ummm, Good!



  

Sunday, September 9, 2012

Self-Sufficiency on 5 acres

The conversation started about food.  I mentioned that since moving to the city I could tell that the food I was eating was making me feel horrible and I'm putting on weight.  Remember, for years I lived in a rural community and was able to raise some of our own meat supply and had some locally grown produce.  All meals were cooked from scratch with the basics of meat and potatoes.  Now my meals are often fast food or processed food.  It meets the budget and the schedule but I often have cravings for good pot roast with gravy and mashed pototoes.  As we continued with the conversation it came back to my desire to get back to "living off the land".  I had not reached my goals yet but miss so many things about the lifestyle I loved and take each step forward hoping it will lead me back.

In 1988 when I first moved to the rural community I would take walks and everywhere I went people would wave at me.  It was so strange after living in the Seattle area all my life.  Seattle is also a very friendly city but not nearly as outgoing as what I was now experiencing.  I would smile and wave back all the while a little puzzled.  Grocery shopping was also a bit strange.  Whenever I shopped people were stepping aside moving out of my way.  It took me a while to realize it and then of course I wondered why.  After consideration I laughed when I realized that I approached my grocery shopping like a mad woman on busy mission.  Others sensing my hurry would give me room to zip down the isles.  I slowed down after that and started to move with the flow of shopping cart traffic.

Many had moved to the community around the same time I did.  There was a new emphasis on self-sufficiency, homeschooling, and everything country which I didn't know was happening as my move had been made purely for economic necessity.  More on this story in previous posts and the In The Trenches book.

After the food conversation and my recent trip back to the area my mental engine and longing has been revved up.  Everything in the news indicates that that there are very good reasons why one might want to be out of the cities now or in the near future.  Just out of curiosity I checked realtor.com to see what a five acres and a home would run.  Notice that I like most country people list the acres or barns first and the house is a bonus to the deal.  In many rural communities the homes are 100 years old.  Of course they have the new homes and even mansions but they are far from the track homes of America suburbia. 

My search only had 2 criteria:  Over 5 acres and under $150,000.  The reason 5 acres was chosen is that this is the typical amount needed to be self-sufficient in being zoned for and raising ones own food including beef.  Some get by with less if they raise pigs but as I am not a pork eater for many reasons this is not a consideration for me.  I have raised beef for meat and dairy, goats, sheep, and poultry.  Horses were also on the top of my dream life list so pasture was an important priority.

I choose $150,000 because although there may be places much less expensive they typically may need much more sweat equity even to basic systems which may be more than most would want to take on.  My own place was $43,000 years ago but that was my no running water story.  Most would not consider it.  By now some of you may have visions of the homestead act and be familiar with the phrase "40 acres and a mule" solution of yesteryear and that is exactly the idea but geared toward modern know how. Most of us would be dumbfounded at the idea of hitching up a plow to begin a self sufficiency lifestyle though I for one would definately apply if the opportunity came up in certain parts of the country.


A couple things about my quick search that should be mentioned:
I have not seen or inspected any of the properties so cannot warrant their condition in any way.
Personally I would not buy a manufactured home since it is a depreciating asset but they are very popular because many are more concerned about newer than long term appreciation.  Financing is also very different.

Prices can vary much up or down depending on location in the country and all the features
Typically months have been involved in any property search I have been part of to compare prices, features, and benefits of the specific piece and the area.

I say all that only to say that I did this for fun and information not to present my best pick for an area.  Readers of this blog live all across the country and even the world and are in different financial situations so no one piece of property would be relevant to all.  You can use the realtor.com link to play around with this yourself.

One thing right off the bat I need to say about almost all rural property.  It does not have city water or sewer.  To some that might be obvious but to me it was a complete shock.  Wells and septic systems are the norm here and the first thing to learn about.  It's fun to study the incubation of chickens but quite another to spend thousands of dollars to replace a well or septic that does not function properly.  It is especially a headache if one has never heard of such a thing.

So just for a time of playing around on the internet here are a couple of starting points.  Be sure and click them to look at the land.  An acre is quite different than a back yard.  All rural properties are completely individual.
Property Listings:


Lewis County WA

Lodi, CA

Carbondale, IL


Another thing to consider about moving to a rural area is income.  Many do not have any sources.  They are going through an economic downturn just like the cities.  Most people CANNOT make a living off of a farm of small size despite ideas, books, and dreams to the contrary.  So would might have the easiest transition to a rural life?

  • Those willing to commute to employment.  This could be up to 1 - 2 hours depending on location.
  • Those whose business is independent of a job such as computer based options.
  • Those with retirement or disability income but still able to do manual labor to some degree. 
  • Those with equity in a current home of investment that would allow a cash purchase of property leaving only minimal monthly expenses.
  • Truck drivers
  • Athletes or other traveling professions that just need a home base for their families
  • Investors wanting to buy land now and build a home later.
  • Flat broke and willing to live off the land in more primitive conditions.
  • RV dwellers who get land with power, water, and septic while they travel at will.
  • Those who have a good paying job but want their family home outside the city.  I have a friend whose husband had a high paying job in the city and maintained a very minimal apartment for the work week and came home to the family each weekend.
  • Those with skills that would be used in a very small town like teachers, bankers, some medical professionals, and grocery store workers.   I have seen many small businesses fail over the years not because they were not good but because the town did not have the population or disposable income to support it.

In summary I guess it would be accurate to say that it would NOT work for the AVERAGE person.  Though there is nothing wrong with being average most are very dependant on the regular paycheck which is not always available in small towns.  At one job I applied for the owner responded "No, no one has died lately" of course meaning that was the only way they had job openings.

If one is looking for cheap housing but doesn't want the fuss of a small farm small rural communities also provide a home that might fit the bill.  Use the website to find some in your desired area.

Book and Blog links you may enjoy:

Simply Self Sufficiency

5 Acres & A Dream

Books on Self-Sufficiency on Amazon.  If you see a title that interests you check your local library for availability.

Tuesday, March 20, 2012

In The Trenches - Fashion

Remember the old Lady Clairol commercials that always ended with "Only her hairdresser knows for sure"? That's the way I am about the prices of my clothing. When someone comments that they like something I'm wearing I smile and say "Thank you" and usually leave it at that.

Recently at work I was told that I had the cutest wardrobe in our office. Of course it was just one person's opinion but I was happy to hear it.  Again, I just smiled, for three reasons:
1) I'm over 50. If you are over 50 you know that each compliment on our appearance is even more appreciated than when we were 25 :)
2) Having lived in the country for over 20 years the idea of dressing up for most is a clean pair of jeans. For me they were far to constricting so I much preferred sweats.
3) The items of clothing I get the most compliments on are the ones I have purchased at garage sales and thrift stores!

So, because you are my readers I decided to give you a preview of some of the items and the secret of what I paid for them. Hopefully this will give your own morale a boost and encourage you to not only shop wisely but also to donate your no longer needed items so that someone else may enjoy and benefit from them. I'm very camera shy so modeling is not part of the deal.

A favorite at $6
Look at the beading, sequins, and  buttons.



One of my most expensive purchases at about $12.
  It looks great with black slacks.
New for $5

50 Cent blouses.  I love the asymmetrical one.


Red leather $15, Black leather $2!
This is one of the most complimented items.
The pants and long jacket was $5 (brand new when purchased) and the blouse is the 50 Cent item picture earlier.

More 50 Cent Blouses


I'm saving this for Mothers Day
See the $12.99 Savers tag? but I got it 50% off
The original packaging lines are still on the dress.  Yes, silk.

And, my official In The Trenches outfit.
(I also have some Capri pants)
Blouse 50 cents, Skirt $3
Picking, choosing, and finding ones style is part of the fun.  Kim at Uniquely Savvy specializes in doing just that.  Find her at facebook - her tips, ideas, enthusiasm, and beautiful smile as she works with her clients is a fun motivator for us all.  Or, get her book, Incredible Life.  I just started reading it and Kim's story is uplifting and encouraging. 

Can't wait to start looking for the new spring colors!

Wednesday, March 7, 2012

In The Trenches - Eating

Lately I have been having a severe craving for homemade pot roast so I knew it was time to do a post on food.  When you think about your childhood how many of those memories involve food?  When I was growing up everything was homemade.  The smell of chocolate chip or peanut butter cookies would fill the air.  Mom's busyness for holiday meals with all the many pans, burners, serving bowls, and flour were a reminder that it was a big important day.  Even our dinner conversations and reminders to "don't use a spoon to eat that", "your napkin goes in your lap", and "sit up straight" were all part of our training each day.

Restaurant meals were a rare treat.  We were expected to remember all that we had learned during our daily meals at home and one glare from my mom would cause us to stop, think, and correct our actions before anyone else could notice the infraction.  At the time McDonalds was just becoming popular but A&W made the best root beer and the Dairy Queen dilly bar was something to get excited about.  Does anyone know what I'm talking about?  School lunches were something that we planned for as a treat once a week and most days we took a bologna sandwich and a piece of fruit.

What was once a treat has now become daily fare.  Probably this is largely due to women working outside the home.  Instead of  home cooked meals the emphasis is on workouts at the gym.Now everything is low-fat, low-carb, and energy drinks. Blah!  Instead of working it off by taking a walk or mowing the lawn people hire a landscaper and jump on the treadmill.

I loved my real butter.  Mom would indulge me.  She and my brother didn't mind margarine but I would go without eating before I would touch it.  So I had my own butter tray and they would have theirs.  Have you seen the commercials where they ridicule us butter eaters?  They show people eating an ear of corn with a cube of butter.  They are just downright mean!

Another thing she tried was to shave the cost of a glass of milk by adding powdered milk.  Although I don't remember she told me that even when she tried to sneak in one cup to a gallon I would immediately begin to gag.  She gave up in that area and cut pennies in other ways.

The fact is that food is one of the top areas where we can modify and control our expenses.  The benefits are not only in the pocketbook but also in our health, family environment, and the memories we create.  It doesn't need to be overnight but can be one step at a time moving in a new direction. If you are one that left home not knowing how to cook  you can learn and get your kids involved at the same time creating a time for you to talk about their day and learn these skills together. 

When we are In The Trenches everything needs to change and the sooner we are able to EMBRACE THE CHANGE, the sooner we can get back on our feet.  Here are some of my families favorite In The Trenches meals that we still enjoy whether times are lean or bountiful :
 
  • Spaghetti
  • Macaroni and Cheese
  • Chili and Cornbread
  • Breakfast for dinner (one of my favorites)
  • Stews and homemade soups
  • Tater tot casserole
Add these to your menu once or twice a week and your costs will go down. Already eat like this? Me too. Some of my favorites. Eating economically does not have to be miserable.

And, when was the last time you had a PP&J sandwich or oatmeal for breakfast?  Recently I took a jar of peanut butter to work and everybody looked and me and laughed but the look of envy in their eyes was unmistakable.

What does this have to do with financial management? Everything. Our goal is to provide for our family while we are tightening the belt. Our quality of life not need to be diminished, just our spending.

For the bloggers:  Have you ever spent long at writing your post and go to save it and it is completely and utterly gone?  That's what happened with this one so this is the second rewrite.  Whether better or worse I cannot say.  grrr....

Monday, February 20, 2012

Back yard investment.

What do blueberries, rhubarb, and strawberries all have in common?
  • Easy to grow in small areas
  • Easy to prepare or freeze
  • All provide an excellent return on investment.
  • Great pies!
Living in the suburbs is not a reason for not having homegrown fruits and vegetables.  In fact, one of the biggest benefits to a small yard is the ability to putter out and pick yourself some fresh rhubarb for a pie or blueberries for your pancakes. 

Rhubarb.  Have you ever seen rhubarb growing?  It's pretty awesome stuff.  The leaves are huge and the bright red stocks are eye catching.  To harvest a stock you grab and pull.  I have landed on my behind many times pulling rhubarb but that's why you send the kids to do it as they will just laugh.  I have seen someone actually cut a piece off which I guess you can do but I think it's against the code.  The reason being that when you pull it out another stock can grow.  It is similar to pulling celery from the outside. 

Strawberries.  This year I have eaten more strawberries than I can remember.  The crop was amazing.  A plain strawberry is one of natures best treats.  Strawberries are prolific and send out runners so starting with a small number of plants can multiply in to a patch.


Blueberries.  Four bushes should be enough to eat all you want fresh and freeze some for pies, pancakes, and muffins.  They need plenty of water to produce those big luscious berries. Mom and I used to go out picking every evening and ate so many that we were lucky to get any into the house.


Each of these selections come back every year, need little pruning, and are extremely easy to grow.  Having nice fruit bearing shrubs was is an attractive selling feature of a home.  If you don't want a yard that looks like a berry patch you can intermix the plants with your other shrubbery for added color and texture.   Large pots or whiskey barrels can also provide a decorative piece.  Consult your local nursery for the best variety for your area and soil type.

PIES

Now for the real reason for the post. Pies. The selling of pies has become big business with prices ranging from $6 up to $15 or more.  Did you know that if you have your own fruit you can make a pie for about $2?  It's fun.  When my son was about 9 years old we started making pies.  It was part of his home school fractions instruction.  Once we were hooked we kept baking and started giving pies away. The next step was a farmers market and sold them one day.  He was even taking orders for them.  We had flour all over the kitchen.  If you have never tried either rhubarb or strawberry rhubarb pies they are available at most pie shops. If you would like some homework for this post you can drive down and have a piece just to see if you like it.

So there you have it.  In this post we have covered saving money, taking up gardening, baking, and a new family hobby.  Frugal living is not just about saving money, it is a lifestyle.

Related links:
Great pictures on rhubarb and growing other home vegetables. 
http://doorgarden.com/01/how-to-grow-forced-rhubarb
People interested in green living are going to be excited about Mother Earth News!
http://www.motherearthnews.com/Real-Food/Growing-Blueberries.aspx
 
I no longer have my old lifetime recipe box but I'll tell you my best kept never revealed secret.  Right before the pie is ready to go in the oven sprinkle about a teaspoon of sugar on the top of the crust.  It will give the pie a golden brown color and a tad of that sugar sparkle.
Here are links to strawberry rhubarb pie recipes:
http://www.foodnetwork.com/recipes/food-network-challenge/grandmas-strawberry-rhubarb-pie-recipe/index.html
http://angelinkitchen.blogspot.com/2009/05/strawberry-rhubarb-pie.html

Originally posted Aug 17, 2010

Sunday, January 29, 2012

Grandma's house

Last week I mentioned our annual pilgrimage to my Grandma's house.  My grandpa lived there too so I don't know why it always carried the name of my grandmother.  Maybe it was because she was the one who kept up the regular correspondence with letters and cards.

The house was a two story white structure that sat at the end of a long dirt driveway.  Even walking to get to the mailbox was farther than many walk in a single day so grandpa often took the car to get the mail.  In the summers, when we arrived, on the right was the alfalfa field.  Farther was the river that ran between the upper and lower pastures.  The back drop of the house was a large hill. On the top the wheat fields were planted.  The ranch was 160 acres.

One of the quickest ways to annoy my grandma was to call it a farm.  She would quickly correct me and tell me in an authoritative voice that it was a ranch, not a farm.  At some point I knew that this had something to do with the long standing battles between the farmers and the ranchers.  The sod busters vs. the cattlemen.  Rifleman was one of my favorite shows as a child so I knew the distinction was important though did not really understand why. 

My grandpa's primary stock were the sheep.  Their good friends the Lathrops raised cattle, horses, and pigs but grandpa mainly had the sheep.  Often there would be a milk cow, chickens, and a couple of pigs.  I would wake very early each morning to go "help"  my grandpa feed and water the sheep.  He was a very quiet man who spoke little but as long as I was ready and didn't bother him I could tag along with him and the dog Midge.  He would drive his old car up the dusty hills and the sheep would be waiting in the big shed. We would put the grain in the troughs.  If I was very quiet and moved slowly I could go up and down the lines and feed the sheep with my hands.  Grandpa let me know that this was a very good and important thing because sheep would not trust just anybody.  To gain the trust of a sheep meant you were a very good person. 

After the morning chores were done we would head back to the house for breakfast which was specially fixed because of us being there.  We had big pieces of good smelling bacon from the pigs, farm fresh eggs, peaches from the cellar, and sometimes biscuits and gravy.  Mom said my grandma was not a good cook but as far as I could tell she was one of the best cooks in the world with the best food I had ever eaten. 

Then grandpa would head out and do whatever he did until dinner and evening feedings and I would get to feed the baby bummer lambs.  Every year there were a few that were kept in the back yard that had lost their mommas or sometimes the ewe had triplets so one would get brought home so there would be milk enough for all.  The bottles were the traditional coke glass ones with a nipple stuck on.  The bummers would come right up to gulp it down and if they could not get enough fast enough they would butt their little heads to make it come quicker.  I loved this job.

Since I was a little Sunday School girl I knew it was all so important.  Throughout the Bible it talked so often about shepherds, sheep, and pastures.  For two weeks I got to live it and somehow it made me feel much closer to Jesus as I learned the names of the sheep and tracked the lost ones along the little trails on the hillside trying to find the holes in the barbed wire fences or scouting out a lost sheep.

There were also some really fun things about Grandma's house that were nothing like our rambler of the neighborhood suburbs.  Just to name a few:

The wood cookstove.  While we were visiting Grandma spent much of her time in front of the wood cook stove in the kitchen.  It was quite an amazing thing.  On one side it had a place where the wood was put and the fire was kept.  I was told this was a deluxe stove because it had a reservoir on the side.  This provided the added benefit of always having almost 4 gallons  of hot water available at all times.  On top were the warming bins.

The water pump.  This was one of my special jobs.  I would wait around the kitchen and when grandma needed water I was called upon.  Such an amazing thing because I didn't just turn a faucet, I got to pump the pump and eventually the water would spurt out.  It was so cool!

The wringer washer.  Laundry day was really a big deal.  The washer was filled with buckets of water from both the sink and from the pots on the stove.  When the clothes were done agitating through the wringer they would go, then back into the washer for the rinse cycle, and then through the wringer again.  I wanted to help but mom would always tell me stories about how kids would get their fingers or arms caught so this was one job that I was expected to just stand back.  When the load was all done they were taken out to the back clothes line for hanging but we had to be careful that the bummer lambs could not reach them and pull them down.  When the clothing came down it was so stiff especially on the cooler days but it smelled so good!

Bath day.  Saturday night of course.  Next to the washer was the biggest bath tub I have ever seen and grandma said they were lucky to have gotten it.  All the water would be heated on the stove.  I remember mom and grandma discussing who was the dirtiest.  This was important because that was the order we would bathe in as we would all use the same water.  Usually it would be mom first, then my brother, and I think I was last because I was always out with the sheep, walking the trails, and in the gardens.  Grandma would take what she called sponge baths and it was said that grandpa would take a bath once every six months whether he needed it or not. 

The outhouse.   A ways out the back door was the outhouse.  Again the deluxe model because it was a two seater though I could never figure out why one would need two seats in a bathroom.  I know that I wanted to be alone.  Another thing that I did not understand is why it was in different places throughout the years.  I could not help myself and at least once in every visit I had to look down.  I didn't like what I saw so tried not to look down again. I admit sometimes it almost seemed compelling but I was always sorry and would chastise myself for doing so.  Grandma said it was not really a good idea to walk out at night even with the porch light so she gave us a coffee can for our rooms if we could not wait until morning.

I found it all to be such strange and interesting things.  There was more but I wanted to just touch on some of the highlights.  They were some of the best memories in my life.

The years:  1963 - 1969. Or so.

Years later when I went through my own temporary months without running water or heat I was so grateful for the experiences at my grandparents house to draw upon.  As a mother of three children it was not quite as fun as I remembered it.  Without these experiences on my childhood vacations I would have been completely dumbfounded about how to get through it.  Living in my own 100 year old home was different than visiting.  More about that in the In The Trenches book if you are interested.

What is poor?
Since that time I have often asked and pondered the question:  what is poor?  Were my grandparents poor?  I never thought so.  There was always food on the table, a fire in the woodstove, and land beyond what my eyes could see.  Yes, surely they worked harder to have those things.  Yes, surely there were so many others that had more, especially more convenience.  Is wealth measured in convenience? 

The family had told me stories of when the three girls were growing up.  They were poor and it was during the first depression. One time I noticed the big ugly scar on each side of my mom's leg.  She told me that when she was a girl they were jumping in the hay in the barn. A pitchfork had been left in the wrong place by someone.  It went in one side and out the other side of her leg.  They pulled it out but because they had no money they were unable to go to the doctor so grandma had to doctor the wound herself.  That sounded sad and poor.

My mother was often sick as were many.  She had scarlet fever, rheumatic fever, and others I don't remember.  My aunt told me that at one time she was so sick she almost died.  They had no money so my grandpa begged the doctor to treat her anyway.  The doctor obliged on the condition that my grandpa put himself into indentured servitude for  one year.  For you see, the doctor not only provided his services but paid for the hospitalization out of his own pocket. To pay the debt my grandpa had to leave home and grandma had to run the ranch and take care of the girls on her own.  When the debt was paid he was able to return home.

Indentured servitude.  A strange word and I didn't know what it meant until I did some looking on the internet and found that many new immigrants came to this country from Europe and became indentured servants for up to seven years before they were free to strike out on their own.  This was the price of becoming an American and they were willing to pay it.

I must mention here that my mom went on to become one of the world's finest nurses.  It was not in spite of her hardship but because of her hardship.  There was much sacrifice to put her through nursing school.  From her early poverty she gave the world great wealth.  I say this not because she was my mom and not because of the awards she won though she did win some.  I say this because I saw the looks in the people's faces when they thanked her.  Patients at the hospital, neighbors, friends, family all recognized her contribution to their lives.  What I saw was only a glimpse of the countless people she impacted and provided care and comfort to.

So what then is poor?  I see pictures of people in foreign countries staving and it is no question of their poverty.  They have no food and are dying from starvation.  If this then is the definition of poor how does that compare to what we as a nation are currently going through?

How much should the government step in to help the American people?  Especially when doing so is not from money we actually have but is creating a debt for our children and grand children to pay?  And, in addition to that we are borrowing from foreign nations and we all know that the borrower is the servant to the lender.  At what point should we allow ourselves to become the servants of foreign governments?

Is not having a cell phone poor?  Is not having cable t.v. poor?  Is not having a car poor if our cities spend large sums of money on public transportation?  Are we making or contributing to our own condition of being poor by insisting on amenities we cannot afford? 

One time I flew to Denver.  I was amazed with the vast amount of undeveloped land within our country.  The small towns are merely specks in expanses of trees and rolling pastures.  So why then are people packed into highrise poverty apartments in Chicago like poor sardines?  We have seen the pictures and heard the stories. 

I have read a little about the old 40 acres and a mule government programs that provided land grants to people willing to move out and develop the west.  What if we developed some programs that really utilized the resources we do have without borrowing from other nations?  Would we be willing to work as hard and sacrifice as much as our grandparents did?

Habitat for Humanity has done amazing things by encouraging people to work together and although much has been spoken about Jimmy Carter's presidency the good of his founding of this wonderful program far exceeds any shortcomings he may have had as a president. 

Why? Why? Why?  Is it possible that sometimes it is necessary to take a step back before we are able to take a step forward, especially if we are going in the wrong direction?  I have come to the conclusion that many of the answers to the why questions come because we are allowing career politicians and not folks with vision, common sense, and compassion to direct the course of our future of America.

Sunday, January 8, 2012

It's going to be a good day!

It was an hour before I needed to be at work so I decided to walk to McDonald's to see what would be good for breakfast.  I ordered a biscuit with egg and cheese and a coffee.  I was more than pleasantly surprised to find that the total was only $2.08.  Wow.  What a deal!

As I waited for my food others came in line to order and I noticed a couple men who were older than me ordering their food.  They ordered a senior coffee with their meal.  "That's nice"  I thought.  A deal for the older folks.  McDonald's does it again.  Responding to the needs of the average person and keeping their prices affordable. 

My tray was ready so I proceeded to a table.  They had put the receipt on the tray so I decided to check it out further to see what the prices were for my great deal.  I figured the biscuit must have been on the dollar menu and 89 cents for the small coffee.

As I studied the receipt I was surprised that they had abbreviated small coffee as SNR coffee.  As I puzzled over it a bolt of realization hit my brain.  "WHAT?! They gave me a SENIOR coffee" at 49 cents.  "How dare they?"  "I didn't order a senior coffee!"  "What possibly would make them assume that I was a senior?" (though I guess I am).

This was just totally unacceptable!  It must be this practical trench coat I'm wearing.  I sat there debating whether I should march right up and DEMAND that I pay FULL price for small coffee.  Or, better, was this my invitation to get a leather coat to replace the practical trench.  As I munched my biscuit and sipped my HOT :) coffee the quandry really messed with my head but why would I choose to pay more for my coffee?

The next morning I decided to do it again.  Again, they gave me a SNR coffee without me asking for it.  Oh, this is just NOT good!

Being the glutton for punishment I can be sometimes be I decided to go for day 3.  I do love those biscuits! 

After getting my food and examining the receipt I found that they had given me and charged me for a SMALL coffee.  All was right with me. I was looking GOOD!  It was going to be a GOOD DAY.

Tuesday, November 15, 2011

The good ole days

For those of us who read financial blogs we know that often the comments, discussions, and arguments of the readers are often more interesting than the blog post itself. 

The Changing Value of Hardwork posted by The Simple Dollar on October 27 was one such article.  Trent threw out an idea and the readers seemed to pounce on it and then on one another in the fray.  Below is a portion of one comment made that stirred me to jump in.  I am not trying to misrepresent the writer in any way so please go back to the link to read in it's entirety if you are interested:

"...In the not so distant past, middle class Americans could afford to have a servant (live-in or daily) and meet basic needs on ONE income. Now that is no longer true. To meet basic needs for a family takes TWO incomes, and I don’t know many middle class homes with servants. Though dishwashers, laundry machines, etc. take over some of that labor..."

My Response:
As a child raised in the 50's and 60's I can definitely state that what was considered "the basics" and supported by one income is not what people now consider the basics.  I was raised in a well off suburb and most of the families had one car, 1 b/w TV, no computers, no clothes dryers, did not drive the kids all around because we were expected to walk or ride our bikes.  We watched a movie as a treat maybe once every 1-3 months.  We reused our lunch sacks, had one phone, and long distance calls were for emergencies (like deaths) only.  The hired help was usually a teenaged girl getting paid 50 cents an hour and happy to have the opportunity to earn some money.  The boys helped with yard work.

The "need" to have two people working to support a home was created primarily by my own generation who wanted and expected it all the day they moved away from home and wanted even bigger, better, and faster - even if it meant going into debt to get it.  That is one of the major reasons we are now dealing with what is called the "American Economic Crisis". 

What stuck me full force with her comment was that in retrospect only one generation prior to mine even in the well off suburbs of America the spending habits would be considered frugal by today's standards and actions.  Go back one more generation and we had those who lived through the depression as adults and worked from before dawn to long after dark in homes that had wood heat, often no insulation, and were just getting electricity.

As a child I remember we went to Seattle only once or twice a year to shop or visit family because it was "too far away" and gas cost money.  It was all of 10 miles. 

We are probably living in the most lavish time and generation that has ever lived.  We have the most and we take the most for granted and call it a necessity.   Someone recently said "there are millions around the world who would love to come to America just to be poor".  Point well made.

If there is one vivid memory of the way in which we were raised it was that we were expected to bring home our brown paper lunch sacks daily and keep them in the condition that we would be able to use them for a week.  Waste of any kind was discouraged and the expression "Waste Not, Want Not" was oft repeated.  People didn't talk about green or frugal living but lived by the motto "A penny saved is a penny earned". 

It was a top priority that a mother was able to stay home and care for her children so people were willing to do without in order to accomplish this.  It is not so much that our economics have changed as it is our priorities and standards have changed.

My mother was unusual in that she was divorced and did not remarry, this was very uncommon among the kids I went to school with.  Mom received no child support and on her single salary made sure that my brother and I had good medical care, braces on our teeth (not covered by insurance), music through the school, annual family vacations, and my brother played soccor.  We always had food on the table and a warm bed to sleep in.  We were able to attend summer camps but were expected to do any "earn your own way" options that were available.  We also earned our own spending money.  We did not have everything that the families who had a father as the head of the family but one thing was always clear: we were my mom's top priority.  I don't ever remember her going out for the evening to have a good time without us.  If we were not all together she did not go.

Although mom was gone when I came home from school, making me one of the original latch key kids in our area, all the neighbor mothers were home and I shared in their home baked cookies, went to the girl scout meetings hosted in their homes, and shared in their after school activities until mom came home after a long days work.

Beyond that our lifestyle was not much different from one another and often when it was time for their fathers to come home it was my signal to go home so many of the fathers I never met.

Every family on the block had a hot meal waiting. One could hear the call to dinner as mothers stuck their heads out the door to call the kids.  For some it might have been macaroni and cheese and for others steak but nonetheless it was the way we lived.  Nowadays many people may laugh at Leave it to Beaver but it was definately a good way to grow up.  Parents worked hard and sacrificed much to provide this model of home for their children.

I share this mainly to set the record straight.  It is easy to draw conclusions and assume that the rise in the two parent working family is a necessity while overlooking that it is a choice made up quite possibly of a series of many little choices.   I just can't imagine Wally and the Beav or anyone I knew for that matter being in what is now being referred to as "generation rage". There was just not that much to be mad about.  Even in areas that were experiencing difficult times would work through them in hardworking decent ways.

Making these little choices today is just as possible if not more so than they were in the 50's and 60's.  It all depends on our priorities. 

For more about the lifestyle of the good ole days:
In The Trenches - Recycling

Sunday, October 23, 2011

Material Girl

Remember?  How can we forget Madonna's song Material Girl ?  Even though I was not into pop culture I knew the song.  It was glitzy, catchy, and fun.  An entire generation was raised on the song and guess what?  We now have an economic crisis.  Is it a coincidence or are we now reaping what we sowed?

The music we listen to effects our thinking and each generation brings with it the theme song for the outcome of the next.  Music affects our minds and actions in sometimes subtle but noticeable ways. I too have to catch myself every time the song "I've got friends in low places" comes on because it is one that I start singing along with, it has such a catchy beat and it really is fun to sing. Everyone around me joins in with gusto.


So, here we are in 2011, Material Girls to some degree and now having to pay off the debt.

"But, I'M NOT A MATERIAL GIRL"  you say.  Maybe your favorite outfit is jeans, tennis shoes, and a t-shirt.  Just for fun, if you dare, answer these 10 questions.  If you answer yes to a few of them you MIGHT be a material girl (or guy)

  1. Do you have any clothes that you have not worn for a year?
  2. Is shopping a hobby or past time?
  3. Do you rent a storage unit or can't get your car in the garage?
  4. Do you replace items that are not broken or worn out?
  5. Is spending money to party or going out to eat a regular event?
  6. Does getting your nails done prevent you from doing other things like cleaning or the dishes?
  7. Do you show off your new purchases to friends?
  8. Are you attracted to other people by what appears to be material success?
  9. Does your car symbolize your coolness?
  10. Do you buy things that are on sale that you really don't need?
Hmmm....maybe we have been influenced.  I know I have. 

Tuesday, October 11, 2011

The Dollar Store

"How much is it?"
"It's only a buck."

When we go to The Dollar Store we hear those phases repeated over and over again.  It always makes us laugh as we catch ourselves time after time repeating it along with all the other shoppers.  Yes, the sign on the door says so but we continue to ask anyway.

About once a month we head in and have a great time roaming through the aisles finding all the strange and unusual things on the shelves.  Most do not carry the standard policy of  when the shelf is empty it gets refilled.  No, each time we go there is a different collection of items to pick and choose through as the owner has picked up the deals along the way.  With the holidays approaching the variety is even more colorful.

Even the kids can take their change and find something new and different to enjoy.  Once of the best purchases that was made was a package of colorful pipe cleaners.  Hours and hours of enjoyment and creativity was used in the making of mobiles, bird cages, and roses.  All for a buck.  The same happened with a package of colored Popsicle sticks. 

Some of the many items we have found:
  • Cleaning products including window cleaner, laundry detergent, and dish soap.  Some are brand name
  • Socks. 3 pair for a dollar
  • Party supplies
  • Hardcover and paperback books including some of the top authors
  • Umbrellas
  • Toothpaste
  • Bungee Cords at another store $6
  • T-shirts
  • Hair accessories
  • Calculator
  • Bibles
  • First aid supplies including ibuprofen and band aids
  • Pet Supplies
  • Picture frames
  • Holiday items
  • School supplies
  • Liquid hand soap/sanitizer
  • Gloves
  • Puzzles at another store $4
  • and, my favorite - pink flamingo decorative items.
They also sell all manner of food items but as is always true, know your prices.  A can of vegetables at $1 is not the best price in town.

What can you still buy for a dollar?  Check it out.  You may be surprised and have a fun time in the process.  And, if you REALLY want to save money they also have the 99 cent store where you can even get back change from your dollar.

Sunday, October 2, 2011

Hear the Sleigh Bells Ringing?

I cannot believe how quickly the year is flying by!  If you want a Merry debt-free Christmas the time to starting thinking about it is now.  If the article below ignites your spirit there are other Christmas posts right below if you hit the older posts button.  See, after my break from writing it really did fly!  Good thing the elves were working because I sure had other things going on.

This article was originally posted in Christian Common Cents in August 2010.  I had a lot of fun writing it and I hope you will enjoy reading it and sharing your own ideas.  I remembered the article when last week I realized I better get my own Christmas list started. 

“What? You’ve got to be kidding. It’s only August.” (Oh, no, it's already October first!) That may be true but if you have heard the story of Santa then you know that his elves are already working. Delivery day is December 25 but all year long there has been busy activity in preparation for the day that we celebrate the birth of Christ by giving gifts to one another.

This year may be the first year ever that you are ready to consider creating a new tradition. No credit cards. No added debt. No paying for Christmas up until April. How about a new tradition of a cash only Christmas? You might have even said this to yourself every year right before you pull out the plastic.

“He’s making a list and checking it twice”. There’s our starting point. This is the most important part because it will be your guideline for what you will do for the next five months and I can tell you it might not be as easy as it sounds. It is hard to think about Christmas in August when we don’t have the store ads and commercials motivating us. “What? Oh, you mean the media is influencing us? Oh…..” Sure. They want to sell as much as they can and lay it on thick with all the best marketing, persuasive colors, lights, and sounds they can find. They have actually studied how to entice us to buy more. Just do it. Pull out the plastic.

This year is going to be different. This year we can plan early. Pay cash. And, have a wonderful holiday season that does not leave us with a strange sick feeling in the stomach when it’s over.
Back to the list making. If you can’t get enthusiastic then find a friend who will do this with you. Once the list is made figure out how much each item costs and write it on the side. Add up what you think might be the total cost. I know. It does take so much fun out of it to be so much like an accountant when thinking about Christmas. I totally get that. Spontaneous gift giving is very fun but it’s like dieting. We can’t enjoy the fact that we have passed up the donuts until we step on the scale and find that we have lost five pounds.

Here are some ideas to think about once the list is complete. You might want to revise your list after reading them.

1. Christmas cards. Almost everybody loves getting Christmas cards especially if they are from someone they have not heard from all year. To economize in this area consider reducing the price of the box of cards, not the number of people on your list. Discount and dollar stores often carry boxed cards year round at very cheap prices. Think about buying stamps now and setting them aside or stashing the money in your Christmas account if you want to wait for the seasonal stamps.

2. Christmas account. Set up a Christmas account at the bank and put a regular amount of money each paycheck that is building to the full amount of the list. With five months to go before Christmas and a list of $1,000 then you would need to put $200 per month in the account. What? Can’t afford that? Then it’s time to go back through the list. Here are more ideas to help cut it back.

3. Baking cookies and treats. We used to spend a few days in the kitchen baking, baking, and baking. Little cranberry and pumpkin loaves, cookies, and fudge. We would then deliver them to friends and neighbors with our personal Christmas greetings. Is there anyone on your list who would be just as happy with holiday treats as they would be with the gift you were planning to buy? In these tough economic times everyone knows about cutting back and understands. Sometimes it can even be a relief to them because they don’t feel like they need to reciprocate more than a hug if that is all they can afford.

4. Layaway. Before credit cards (yes, there was actually a time before credit cards) layaway was very popular with the department stores. Ask at each of the stores you frequent if they have layaway. If not suggest that Christmas is coming and they might want to get it in place. If yes, then watch for the best sale you can find on big-ticket items. Shop around so that you know the difference between the regular price and a sale. When you find the best deal put it on lay-away. You will need to make a regular payment so ask and make arrangements with the store to do so. This can be reduced from the money you are putting in the bank. Don’t miss a payment. The merchandise could go back on the rack and you could lose some or all of what was paid in. Another good reason to have your Christmas account. If you really are running short you have a back-up payment source.

5. Make your own gifts. Do you have a talent or craft that you enjoy? By starting early you can make many of your gifts. One of my favorite Christmas’ was when I was about five. My mom and dad bought me a doll. My grandpa made a wooden doll bed and painted it white. My grandma made some blankets, sheets, and a little pink pillow, and my great aunt made some doll clothes. It was a family effort and it was wonderful. Most was made from scrap lumber, fabric, and yarn. The cost was minimal but the gift was priceless.

6. More please. I am a firm believer that children under 12 would prefer to have a number of smaller gifts than one big gift. It’s more exciting. If income is limited by setting an amount per person you can select what will fit into this limit. Board games, books, articles of clothing can all add to their feeling of an abundant Christmas. Remember that kids do count so if Sally got five gifts then Mike wants five gifts also. If there is a more expensive item on the list is it something that could be a “family gift” instead of being designated for one person?

7. Practical Christmas gifts. It’s great to have picked the perfect gift for everyone on our list. How often does that really happen based on the returns? One of the ways I like to shop is to pick a practical gift and buy the same thing for almost everybody. Towels are my favorite item because everyone can use them and every couple years it’s nice to have some new. It’s very simple to go and buy seven sets of towels in colors to match their bathroom. For children there are Dora, Barbie, sports, and other things kids love. The price is about $12 to $20 per person to do this. Other gifts I have bought in this manner are sheets, digital cameras, and kitchen towel sets. You can structure your gift to the amount you have to spend per person that year.

8. What are your own favorite Christmas memories? What was most special? Can you incorporate any of these ideas in your planning?

9. Still short on having enough money planned? There is still time to do a Labor Day Garage sale to bring in part or the entire amount needed for your Christmas list.

10. Bonus tip. When shopping for others with a plan you will be less likely to impulsively buy things that are not needed just for recreation. You can still have the enjoyment of a day of shopping but are doing it with a purpose in mind.

Every year we remind ourselves that it is the thought that counts for Christmas and that thought flies out the window when we start shopping. Santa’s helpers have the right idea and we can learn from their experience by planning ahead. When the holidays arrive we can be ready and be able to relax and enjoy them. Oops, in December it’s to make all those cookies. So, we can be busy and enjoy them. When January comes we can walk to the mailbox with confidence knowing we have achieved our personal victory over the credit monster for another year.