Archive for the ‘reducing financial temptations’ Category

Confession: The No Spend Month Aftermath

I’ll admit that I haven’t blogged about my no spend month to a point that is highly suspicious.  I had intended to do weekly updates.  I somehow expected that week one would be the honeymoon phase and by week two I would look like this.

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It didn’t happen.  So what did happen?  I think the truth of it is that I got rattled.  It sounds stupid when I say it out loud (thank goodness I’m just typing.)  I had my food lists and my menus.  I knew what perishables were OK to buy and I felt good.  I think I even adopted a benign almost Jedi- like smile knowing I had no longer a mindless drone targeted by the consumer death star. Cue music.

It started with something small.  Josh and I decided to use a gift card to go to a movie.  It included snacks so we were good to go, at least until we got to the cashier. Eight dollars?  For what?  The movie was only being shown in 3D so it would be an upcharge.  I honestly felt ill.  If I’d been by myself I think I would have gone home.  This wasn’t the plan.  I thought I was in control. After that there were unexpected school fees, a minor repair and getting stuck somewhere for the day where I needed to buy food.  None of these should have been in surmountable but somehow it shook me.  I maintained staying away from most grocery shopping but the dark side offered cookies and I took them.

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It’s taken me a little while to figure out what happened but it is simple.  I have a tendancy to be all or nothing.  I will climb that mountain, achieve excellence in the field of excellence and have those thinner thighs in thirty days.  I grew up in a culture of leadership worship.  You needed to define what made you special. A lack of ambition was a vice.  It made sense. The generation before had had to work so hard to make it that we with our privileges should be world shakers.  I didn’t realize I’d brought so much of that into this.

It seems terribly dramatic for something as simple as a month of strict budgeting but it was more than that.   Once I put aside that this wasn’t a race to be won I took it for what it was.  It was to be a new habit, a new perspective on my relationship to money and food.  It was also a spotlight on my need to validate myself with measureable success. I had to accept that I will not be asked to lead the rebels to live outside of the Empire’s control.  What I will do is take my participant ribbon and give it some respect.  I managed for the most part to use what I had for meals, not go shopping for clothes, except that one bra after a wardrobe malfunction, and find a new source of income.  I wanted something big and finite.  A penny pinched lifestyle is not about an iron control but being able to flex with your situation.  It is also something beyond a quick fix.

So now I am midway through March.  I accept the challenge as a learning time with no pass or fail and I am good with that.  Anyone in the market for a slightly used droid?

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How to have a Successful No Spend Month

Please come in.  Have a seat.  I want to show you some of the plans I made for a no spend month. What?  No I don’t think I’m being too dramatic.  Trust me I have lots of examples of that.  The only way I can alter my behaviour is to be intentional.  Here is what I needed to do.  First I had to recognize my patterns, where I spend and what to do when I feel the pull to my ancestoral stomping grounds. OK yes that one was a little over the top but I know I am going to struggle in two top areas.

First off I am a hunter/ gatherer.  I do not like the mall but I do like to hunt.  I have a favourite thrift store. It is staged every week with new things and i love to explore and find out of print book titles, vintage mirrors or sunglasses.  I drop things off at least once a week and then I swing in just to look.  The paperback books are .50 so what’s the harm? No that was a rhetorical question.

The other weakness is eating out.  I like to have someone cook for me. I like not having to take the time to prep. and cook and just be able to eat.

Neither of these things worked with my plans so I needed a default.  One of the things I did was check out some of the local foraging.  No not portaging.  Foraging for materials to make my baskets, or for alder tree buds to make salve will help with the impulse to search for treasure.  No I do not have access to a canoe or gold panning supplies.  Can we stay on track?

For the eating out I’ve pooled some of my gift cards, or coupons that offer a free anything consumable and will have them as my safety net.

Being invited out to someone’s house is OK as is being taken out but the point is not to continue in my old behaviours.  For me that means not wasting money eating out when I can cook for a fraction of the price.

To have a real no spend month I needed to take stock of my supplies in my freezer, fridge and cupboards.

I needed to plan some meals around the food stuff I already had.  If I don’t have it and I want it I have to learn to make it from scratch.  If I’m missing an item I will need to substitute.  You can barter or swap items with friends or family but try to create some sustainable habits.  For the last few weeks I’ve been writing down our dinner meals to help me come up with quick ideas.  Allrecipes.com comes with a search function that allows you to enter the ingredients you have and ones you do not want.  There is also PInterest for specific food items and accompanying recipes.  With both of those the caution is that you do not know if the recipes will be to your liking.  I am making lists of some of my favourites that match my supplies so I am less tempted to run out and yell my requests into someone else’s window.  No I do not mean a neighbors. No I will not be yelling in your window.  I’m sorry to have alarmed you.

The other thing I will have to do is throw out all flyers before reading them to avoid temptation to get a deal. I will also have to stay off of the auction sites.  I usually go to try and sell but inevitably look at what everyone else is trying to sell.

So here we go.  There is no avoiding the fixed costs of life.  The taxman frowns on that behaviour. It is the variables that are to be frozen with the exception of some perishable items.  These will be listed in advance and the list is surprisingly small.  What’s that?  Yes you are still invited for dinner.  No it will not be foraged.  You are welcome.  Meeting adjourned.

How to Achieve Maximum Savings

image   One of my go-to blogs is called Debt Proof Living by Mary Hunt.  This was her Facebook post today. I admit that I love the search for the deal.  Right now the flyers are overflowing with huge savings, meaning savings off of prices you wouldn’t have paid before the sale.  The real way to save?  This artist nailed it.  Wishing you many 100% savings. Happy New Year to all, Deb

Let There be Peas on Earth and in the Stir Fry

I will admit that there can be a rather chilly detente that occurs in my refrigerator.  There are certain shelves that see a fairly brisk rotation of items. These spaces are the accepted free trade region.  To the sides are the condiments that are the story keepers, the elders of the fridge that rarely cede their spots to newcomers.  In the crisper I do my best not to let the denizens liquify but how much parsley do I really need?  Oh sure I could freeze it but as long as it is visible I can tell myself I am going to make a fresh and healthy soup.  It is a green leafy badge of clean eating superiority.

So what has this all got to do with being penny pinched?  I admit that some days I am intimidated by my fridge.  I open it and see random supplies and am not sure what to do.  I might see one dish for a meal but I get a little sketchy on how to make it reflect the food rainbow.  I’ve been told a handful of M & Ms does nothing to meet the requirements of the bottom of the food pyramid.  Elitists.

That being said I realize I will never balance my food budget or dietary needs without some help. I had gotten into the habit of buying new food because I didn’t know how to use up what I had.  This is where I found this helpful tool on allrecipes.com.  I had been looking for the perfect cornmeal muffin recipe and I noticed that one of the search engines was to list the ingredients I wanted and also the ones I did not want.  This opened up a lot of possibilities.  I decided to haul everything out of my fridge.  Green Peace launched a formal complaint as the contents of the veggie crisper were being considered as a part of a self sustaining eco system but I prevailed.  I found recipes that would use up the scraps of cooked chicken, 1/2c. of green beans, red pepper paste and pearl onions.  I began to make headway into hostile territory and dismantle the peculiarly stacked architecture of tupperware, take out boxes and ziploc bags. (In my defence there was really only one takeout box but the visual image was too cool not to use).

I also found that Pinterest became a great place to store recipes that worked for me with veggies where I was lacking a bit of imagination.Translation: I sometimes need encouragement to not settle for just meat and potatoes.  The photos help.

This new year coming up I am setting Friday as ifits day.  If it is in the fridge then that is what’s for dinner.  If it is still there the next week it is time to shuffle it off to that great compost pile.  My goal is for a couple of empty shelves because I learned to use what I already had.  Now to go back into negotiation with my tartar sauce who is staging a sit in.  Wish me luck.

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Don’t Wanna

There is nothing so frustrating as dealing with crossed arms, a protruding lower lip and a scowl deep as an underwater trench. There is no reasoning with it and it is exhausting.  That was me at lunch.

Yesterday as I was driving home I had a wicked urge for fried chicken. Today I woke up with my first thought being that chicken.  I would love to say that my self-discipline alone was enough to prevent the purchase but luckily I had lunch all ready to go and I knew I’d have to blog about it. 🙂 The impulses for immediate gratification didn’t go away once I decided to change my life. I was only distracted from them.  One of the best tools I have is to surround myself with the voices of others with the same goals.  I go to the veteran fighters, see what they do and try and emulate some of their moves.

One of my favourites is Mary Hunt http://www.everydaycheapskate.com/marys-perspective/quiet-the-urge-to-splurge/.  She has ongoing facebook updates with articles, books and a website.  The Year of Less blog, though no longer updated, had daily and monthly challenges and everyone seems to be buzzing about a book called “7” by Jen Hatmaker.  All these bits and pieces help when my impulses are having a temper tantrum.

One of the things I liked in the Year of Less blog is the intention to make one small change each day.  It causes me to think and deliberately pick something to improve.  Some days it has been as minimal as sorting out the junk drawer.  Today I’ve been tired and really out of sorts.  Today I think I will take a sampler of baby steps.

I will mend one shirt, reduce my wardrobe and my son’s wardrobe my one item each, and put on a five minute timer as I tackle my filing.  In honesty I still really want that fried chicken and onion nuggets but I will finish the night with a nice cup of hot cocoa and be in bed by 10.  My mom used to say that with cocoa and a good sleep things are always better in the morning. She was usually right. Thanks mom.
Do you have favourite sites you follow to encourage you and help keep you on track? Feel free to leave a comment on this post.

Going back into the Closet, the Honest Truth

Fashion trends make my eye twitch.  How can you trust people who repeatedly tell you that the only way you dare leave the house is if you wear neon plaid and then a few months later tell you that you don’t dare leave the house if you wear neon plaid.  These people are unstable, undependable and are in the business of making us continually neurotic about our appearance.

I know this because as an artist I do check on the colour trends that are forecast for upcoming seasons to see if my jewelry designs work with the random insanity.  I then go and work on whatever appeals to me, generally metallics, textures, pieces of metal, sculptural elements  and pieces with a story.  I don’t go to shopping malls, read fashion magazines or have any respect for people that pay the price of a car for a purse. Whether it is $20 or $2000 a pen exploding inside of it will still ruin the lining and a moist cough drop will still sent it to the back of the closet.

OK.  So what has that got to do with anything?  We are talking about saving money. Here is my weakness.  I love to travel.  It is what I save my money for and when I am very careful I spend less traveling than living at home (almost, well sort of.)  I find really good deals on flights, accomodations and food.  So far so good but right now I am packing for a wonderful trip with my mom.  We will spend a week in Istanbul, I’ll be using airmiles Best Western cards for accomodations. Great.  We will then be doing a one week cruise from Istanbul to Athens that included free airfare and the whole thing came out cheaper than airfare (I will be so unimpressed if I find out we are really galley help on a Greek fishing boat). Double great.  I will get a chance to introduce my mom to one of the most important people in my life and many other friends, triple great, and they have all seen all of my clothes before. Oh. Ha!  I don’t care.  I’m sure they don’t remember what I wore, even though they are the same outfits I wore in several of the photos I took on my last few trips.  Yup, that one sparkly camisole, certainly made the rounds (in a nice girl way of course).  Yes I have worn these boots there three times. This coat is starting to look like Indiana Jones’ after the fight scenes.  I’m sure they won’t notice.  People in large European cities aren’t too aware of fashion right?  I don’t care about that sort of thing right?  Why is my suitcase inching away from my choices?  Why is my suitcase looking like it was on the Titanic?

All right this is petty but part of my spending before a trip involved a military campaign of getting the hair cut and coloured, feet done, makeup bought fresh, a few new tops, maybe a dress (or two if it was summer) and a bathing suit.  The bathing suit is always problematic because when I buy them I see myself rising from the waves like a spandex clad Venus on a half shell in glistening splendor.  When the photos get downloaded  I see a German opera singer squished into a salami wrapper.  There is no going back and pretending once the photos see the light of day (which they rarely do).  This year, at this time of reckoning it is time to stop avoiding the closet. As Dorothy learned in Oz, everything I really need is right in my own (closet) backyard.  Part of the fun of a trip is buying new things in the hope of being a brand new me, but until I am completely at ease with the me that didn’t suddenly lose 20 lbs. before the trip, then I’m not decluttering the most cluttered room I have, my own closet of anxieties.  Yes marketing and media have had a hand in that but intentional living gives me the freedom to wear brown if “the” trend is lilac.  I have to face my own ego and fantasy cravings and find satisfaction by returning to the closet. Now where is that neon plaid bathing suit? (Don’t visualize.)

Crafters in Sheep’s Clothing

You see the rich colours and glossy pictures as the magazine sits up on the rack.  It promises tips and techniques.  You know that this will be the one to have the project that will launch a new mindstorm of creativity. One of your favourite artists has an article that showcases her newest products.

 You proudly march it up to the cash knowing that you are saving so much by being a “do it yourselfer” or have you?

You stop by the craft store and there is a demo. for  something you had thought about trying and they even have a coupon for the supplies. They offering classes to learn the technique and some of them are free! Of course you need to buy all the material from the store first.  Yes if you thought about it $50 in supplies is a little steep to learn Tiborean lattice woven ashtrays but just think, when you get home you can make dozens.  Sure you need to buy a lathe and wood curling specialized vise grips from Tibora but hey, it could happen.

I love to learn new things. Papier mache, crochet, sculpting, acrylic abstract, beading, wire work, sculpture, basketry, mosaics can all use basic materials and tools but each has an industry behind it that is constantly at you to buy more and more products to create the latest thing.  A quick tour through any arts and crafts store will have you going down endless rows of colourful, exciting, shiny papers, inks, stamps, glues, findings, yarns, patterns, stains, and every possible accessory.

Once I’d get home with my precious magazine I would find that it was primarily advertising and that the articles were primarily advertising.  The projects were designed to showcase things you don’t have and will need to purchase.  Crocheting magazines feature yarns you don’t have.  They don’t say you can’t use what you own but we all know that if you do you will are just not a serious artist and can’t expect to achieve the results promised to the faithful who have bought the “in crowd” yarn.

Lesson:  To combine a frugal lifestyle with a leaning toward handmade you need to be “clever as a serpent and wise as a dove”.  You have to see the crafting industry for what it is, an industry.  They are there to sell.  One of the beauties of the internet is that if you are discerning you can learn basic techniques.  Be aware of your own weaknesses.  A few days ago a saw a link to homemade rugs.  It got my heart racing. I immediately wanted to jump in and try it.  Sure I would need yards of a fabric I didn’t own and a backing that was suspect for durability but,… No.  I had to calm down.  Like a bar to a drinker, I need to avoid new materials and techniques while I’ve got bins of materials waiting to be transformed.  Single use materials are not a good investment.  No new workshops for now.  I’m swearing off (unless it is Maureen Carlson as the teacher. Learning from her is on my bucket list.)  I need to deal with my excess of stuff and stop looking for new distractions.

In the blog “The Year of Less” September is the month to “Eat My Pantry”.  I think October with be the month to “Craft from my Closet”.  Be careful out there gentle crafter. There are wolves  in artist’s clothing.

Sincerely, Deb

(photo was taken at Van. fan expo. and is not meant to represent this woman as anything but a really fun person)