- @Elle_CM Natalie's raid looked like it was filmed with a strobe light. Lame CGI in reply to Elle_CM #
- I want to get a toto portable bidet and a roomba. Combine them and I'll have outsourced some of the least tasteful parts of my day. #
- RT @freefrombroke: RT @moneybeagle: New Blog Post: Money Hacks Carnival #115 http://goo.gl/fb/AqhWf #
- TED.com: The neurons that shaped civilization. http://su.pr/2Qv4Ay #
- Last night, fell in the driveway: twisted ankle and skinned knee. Today, fell down the stairs: bruise makes sitting hurt. Bad morning. #
- RT @FrugalDad: And to moms, please be more selective about the creeps you let around your child. Takes a special guy to be a dad to another' #
- First Rule of Blogging: Don't let real life get in the way. Epic fail 2 Fridays in a row. But the garage sale is going well. #
Repair Plans, Appliances, and Rancid Meat…Oh, My!
- Image via Wikipedia
We recently had our annual barbecue. (For the purists, I am Minnesotan. Barbecue means “cooked over fire”.) Due to massive scheduling conflicts, it was a bit smaller than normal; only about 20 people came. At least 10 other people RSVP-ed that they were going to make it, but didn’t. Grr.
Naturally, we had food for everyone said they would be there and enough for half of the people who didn’t say anything, since Minnesotans don’t RSVP well. That translates to a lot of leftovers. No problem. After all, leftover ribs are hardly a punishment.
Sunday morning, we woke up to find that our refrigerator was happier at room temperature than the standard “cold”. We didn’t know it at the time, but the defrost unit was borked, so the cold air couldn’t circulate from the freezer to the refrigerator. Bye-bye leftovers. Hello, Mr. Repairman. We needed an excuse to clean out the fridge, anyway, but not at the price of my beautifully seared meat! (Sadness strikes.)
Monday evening, the repairman came out, worked for 2 hours and left a functional refrigerator and a $240 invoice in his wake. Thankfully, we are on the appliance repair plan through the gas company. We pay $26.40 per month to cover repairs to our range, water heater, furnace, drier, sewer main, and refrigerator. The first four items are standard, the final two are options that cost extra.
We originally got on the plan for the sewer main. We had a tree whose roots grew into the main and clogged it every year. A backed-up sewer main is a crappy way to wake up. Getting that snaked to the street cost $200 per year. At the time, without the refrigerator, the plan cost about $12 per month. One $200 call-out more than paid for the plan for the year. That was easy math. Now, our 20 year old refrigerator has been repaired twice in the last year, giving us $500 worth of repairs for $316.80. I would like to take this time to thank all of the people with reliable appliances for subsidizing my repairs.
My furnace, drier, and range are all reasonably new and shouldn’t need repairs any time soon, but the refrigerator and sewer main have paid for the plan themselves, several times over.
Should you get a similar plan? If your covered appliances are more than 4-5 years old, I would consider it. If they are more than 10 years old, I wouldn’t hesitate at all. Repairing quality appliances is cheaper than replacing them, especially when the repair cost is paid monthly and subsidized.
Do you use a service plan?
Thrifty Sucks – The 30 Day Compact
- Image by waving at you via Flickr
During the month of September, we went on a 30-day compact. We decided to avoid buying anything new for 30 days. The plan was, if we needed to buy something, we’d hit a pawn shop, a thrift store, or Craigslist. Obviously, food and consumable hygiene products were exempt from the rules. I’m not going to stink or starve for an experiment like this. Ideally, at the end of the month, our discretionary budget would reflect our extra thriftiness, leaving us a couple of hundred extra dollars at the end of the month.
Great plan.
I found out a few days ago that we actually made it 3 days. Grr. That’s when the credit card bill came. Double-Grr.
All in all, that one slip isn’t a big deal. We also had a few presents we had to buy for a couple of birthdays and one wedding. Also not a big deal, since we have a budget for gifts. It may have been against the rules, but what were we going to do, drink the free beer at the wedding without bringing a gift? How rude.
So we had a few slips. That’s not bad, considering exactly how well “consumer” describes us.
Avoiding retail shopping is a lot harder than it sounds. We have everything we need, so on paper, it should have been simple. We didn’t need anything, so we wouldn’t have to buy anything.
Like I said, great plan.
There were a few books released this month that I have been anxiously awaiting, like Monster Hunter:Vendetta and Chris Guillebeaus’s book, The Art of Non-Conformity. They have both had to wait. In the next few days, I will be buying both of these books. That makes this project very similar to an inverse “Cash for Clunkers” program. Instead of moving spending that would have happened anyway to an arbitrary time-frame, I moved spending out of an arbitrary time-frame, but the spending is still happening.
My wife has an admitted shopping addiction. This project caused a rather…explosive…discussion this week. Not-so-coincidentally, that happened the day we got the credit card bill. Note to self: “What the heck is this?” is not the right way to start a conversation. Oops.
We had 30 days of trying to avoid the retail trap, and kicking ourselves when we slipped. What did we learn?
1. We are big damned consumers. We are so much better than we used to be, but so far off of where we’d like to be.
2. Target is infinitely more convenient that Craigslist. We may pay a small premium for that convenience, but generally, it’s worth it.
3. When you forget to budget for a speeding ticket that needs to be paid 5 months after you received it, it does not matter if you saved some of your discretionary budget by not shopping retail that month.
4. When you open a credit card bill and get upset, be prepared to get clubbed over the head with #3. Repeatedly.
This month, I’m going to do my best to learn a new language. I’m having a hard time deciding which one. Spanish would be most practical. Norwegian would let me read some of the artwork on my Grandma’s wall, but Italian sounds like the most fun.
Nothing like waiting until the last minute.
Be Happy With What You Have…
…or you will never be happy.
A newer car, a bigger TV, a nicer house, a fancier phone, better tickets, more friends, more gadgets, more toys…more, bigger, better…whatever.
It’s all a disappointment.
Nothing on that list will provide happiness. If that is your goal, you will spend your life miserable. It’s not possible to buy happiness, either directly or indirectly through the accumulation of “stuff”. A purchase may fuel your ego or trigger endorphins, but it is all temporary. There’s no sustainable happiness in the “high” of the latest purchase.
The search for stuff pales in comparison to the search for meaning. Find your passion and follow that. Chase that to the ends of the earth, and come back feeling fulfilled. Feel something that will last longer than the drive home or the next product release.
Find contentment. At some point there is a satisfying level of “enough”. More than that, you feel empty. Less, envious. Find enough and stop there. Find the level that allows you to do the things you need to do and some of what you want to do. Find your balance point and be happy with it.
Living life constantly disappointed that you don’t have more is a sure way to live life disappointed. How do you find your balance point?
Also, have you started the Happiness Challenge?
Birthdays on the Cheap
Birthdays are expensive. Shoot, I’ve said that before. It’s usually true, but it doesn’t have to be. Here are five ways to cut birthday party costs. Note: If you’re trying to cut costs on an adult party, just replace the word “kid” with “guest of honor”.
1. Location, location, location. The amusement park/pizza place is nice if you like bad pizza, but it’s certainly not cheap. The inflatable playground may be the talk of the school for a day or two, but it’ll flex your debit card in ways it’s just not used to. Why? Kids, being kids, are capable of entertaining themselves. They’ve got imaginations that should make most adults weep with envy. If that fails, make them play a board game or in the worst case, some video games. Lock the wild young’ns in the basement and let ’em go nuts for a couple of hours. It’ll be a blast, I promise.
2. Why invite the world? How many friends does your kid actually have? I’m not talking about all of the kids in school he’s not fighting with or every kid on the block that hasn’t TP’d your house. I mean actual friendship. If they don’t play together regularly, nobody will be offended about missing an invitation. Invite the entire class? That’s just nuts. Thirty ankle-biters smearing cupcakes on the wall? No thank you. You kid will have more fun with 2-3 close friends than 20-30 acquaintances.
3. Toy flood. What was the last toy your kid played with? The last 10? How many toys have been completely neglected for months or years? How many stuffed animals are buried so deep in the pile in the corner that they are wishing for a fluffy Grim Reaper to come put them out of their misery? Don’t buy your kid clutter. It’s a hassle to clean up–and you will–and it trains them into bad habits for a lifetime. One or two things that they will treasure(or, better yet, wear!) will work our much better for everyone than a dozen things to forget in a toy box. Too many toys guarantees that the kid won’t get attached to any of them. Down with kid-clutter!
4. Designer Cake. Who needs a fancy cake? Correct me if I’m wrong, but aren’t you going to start a fire on the thing, then cut it up and give it to a dozen little runts to rub in their hair? If you can’t bake it yourself, a quarter sheet is cheap at the big box grocery stores and will guarantee leftovers. Nothing starts the week better than chocolate marble cake for breakfast on Monday.
5. Food. Don’t. That was easy. Scheduling is an important way to keep costs down. Don’t have the party at lunch time. For small children, 1:30 PM is about perfect. The parents won’t stick around once the kids are ready for a nap. For older kids, 4PM means they will need to be home for dinner. That cuts the menu down to kool-aid, light snack food, and cake. It also ensures that the party won’t drag on forever.
It’s possible to have a budget birthday party without being totally lame. Give it a shot. Your kids won’t mind.
This post is a blast from the past.
5 Ways to Make Shopping Quickly a Breeze
Shopping is a major time sink. Between the travel, the traffic, and the checkout lines, the actual shopping almost seems
pleasant. Almost. Here’s my super-secret ninja plan to reduce the unpleasant time wasted while giving away my money in exchange for the privilege of not scooping manure straight from the source onto my crops to get both my burgers and my salads.
First, The List. I’m not going to tell you to use a list. You know that already. My secret? Organize your list by department. Divide the list into sections. Make sure it has a produce section, a meat section, a baking section, and any other section you will be visiting. Don’t leave the department until that section of the list is complete. That will eliminate chasing back and forth for things you forgot, which is a huge timesaver.
Shop where you know. When you are in a hurry or stressed by crabby kids, don’t go check out a new store. You won’t enjoy it with the kids in tow, AND you’ll be tempted to buy more, since you will encounter more as you explore the store trying to find what you need. Go somewhere you know. That will eliminate any hunter/gatherer-style shopping. If you know where you need to go, you’ll get through the shopping trip much faster.
Skip the bad aisles. I resist temptation best by avoiding it. In the store, I avoid it by skipping entire aisles of stuff. If there’s nothing I need in an aisle, don’t go there. Why tempt myself with that many more choices? I’m sure I can find something I’d like to bring home in almost any section of almost any store. So I avoid the unnecessary sections.
Shop at the right time. Don’t go on Saturday afternoon when every other 9-to-5er is free to run errands. If you absolutely must shop on the weekend, either go late–I prefer 3am–or go right at lunchtime when everyone is stopping to feed the hungry children. Me? I’ll either feed them first or fill them up on samples at the grocery store.
Use less, eat less. You’ll need to buy less that way. If you eat smaller portions, or learn how to cook with a versatile mix of staples, you’ll need to buy less, either through lower consumption or lower variety. I’m not saying eat boring, just get creative with the basics. I know a couple of different ways to cooks rice and beans, without getting bored. When you add the perfect-food-makers, like bacon, it’s easy to keep meals interesting.
How do you reduce wasted time shopping?
