My post 4 Ways to Flog the Inner Impulse Shopper is up in Free Money Finance’s March Money Madness tournament. Please take a moment to vote for me(Flog).
Thank you. That is all.
The no-pants guide to spending, saving, and thriving in the real world.
My post 4 Ways to Flog the Inner Impulse Shopper is up in Free Money Finance’s March Money Madness tournament. Please take a moment to vote for me(Flog).
Thank you. That is all.
As I mentioned before, we recently bought a Chevy Tahoe. When we bought it, we had a Ford F150 and a Dodge Caliber that we could have traded in, but decided to sell on our own, instead.
About a month ago, we sold the truck. If you’ve never owned a truck, you probably don’t realize how handy they are to have. From hauling brush to moving furniture to donating large amount of crap to Goodwill, we used our truck.
We’ve also been on a mission to replace all of our old crappy stuff with nicer things, without spending a ton to make that happen. We’ve been selling stuff on Craigslist, then taking that money to buy other stuff we’re finding good deals on.
We found a 4×8 utility trailer for $300. It came home with us. The first thing I heard was “Why do you need a trailer?”
Now, we could have made do with delivery fees or rental trucks, but that seemed silly to me.
We’ve had the thing for 3 weeks and it has almost paid for itself in time and money. I think that makes for a good investment. I don’t expect to buy a new living room set every month, but it’s nice to be able to deal with large things when the need arises.
This announcement is a bit premature, but not everything that’s premature has to end in an evening of disappointment.
At the beginning of the year, I transferred the balance of my last credit card onto two different cards, each with a 0% interest rate. One card got a $4,000 transfer and the other got $13,850. The approximately $415 in fees I paid for the transfer saved me nearly $1500 in interest this year.
The card that got the big balance is the card we use for a lot of our daily spending. On my statement dated 2/18/2012, the balance on the this card was $14,865.23. At the same time, the smaller card had a balance of $3,925.09, for a total of $18,790.32. When I started my debt-murder journey in April 2009, it had peaked at just under $30,000.
When my payments clear later today, that balance will be gone.
That is nearly $19,000 paid down in 8 months.
Now, the inheritance we picked up did accelerate our repayment a bit, but only by a few months.
Starting from $90,394.70 in April 2009, we have paid down $63,746.70, leaving $26,648.00 on our mortgage.
I’m more than a little excited, which–as usual–is the cause for the prematurity.
New goal: pay off the mortgage in 2013.
I am so well-trained.
I was more than a bit wild when I was younger. For the most part, that ended when my son was born. When you procreate, it’s time to put the wild on a shelf and become a reliable provider. That’s just the way it is. Anybody who prioritizes the wild over the progeny needs to be forcibly sterilized and exiled before be sold for parts.
When my mother-in-law got a membership to Sam’s Club, she gave my wife the second card, so we effectively have a membership. For those who don’t know, Sam’s Club is a warehouse store that has some incredibly good deals and a lot of things that look like good deals because you are buying in bulk.
The thing I hate most about warehouse stores is the default accusation of theft when you leave. They require you to line up so the the person by the door can look at your receipt and pretend to count what’s in your cart while they are really scanning for the most-stolen items in the store and ignoring the rest. The only thing they really accomplish is making all of their customer feel like thieves.
I used to bypass the line and the checker and just leave. My wife got sick of the indignant screeches coming from the store as we left. Eventually she got me to stop.
Last night, I went back to pick up supplies for a fund-raiser I’m helping to organize on Sunday. I went with one of the other organizers, who had some personal shopping to do later. We checked out using his account and he paid, while I took the food home to keep until Sunday. Since he’ll be getting reimbursed for the food, he kept the receipt while I headed for the door. Anybody see the problem here?
When the receipt-checker challenged me, I docilely stepped to the side and called my friend to bring the receipt to the door. I hate the feeling of submitting to authority, especially when the authority is pretending to be customer service. I just calmly did what the door-cop told me, just like my wife wanted, even though she wasn’t there.
I hate warehouse stores.
We grew up in a world of expectations: Eat your vegetables, don’t poop on the carpet, do your homework. It continues right up to “Go to college”, “Get married”, “Having a dozen kids”. Are those the expectations you want to use to guide your life?
Chris Guillebeau, author of The Art of Non-Conformity (the blog and the book) puts the question like this: We we were younger, we heard “If everyone else was jumping off of a cliff, would you do that too?” In theory, that meant we were supposed to think for ourselves. Yet, as adults, we are absolutely expected to conform and do the things everyone else is doing. Work your 40, take a week’s vacation once a year, and repeat until retirement or death.
Is that our only choice?
The Art of Non-Conformity attempts to be a guidebook, showing you how to live the live you want to live. Chris has made a lifelong series of decidedly unconventional choices, from dropping out of high school to attending 3 colleges simultaneously to spending 4 years as a volunteer in Africa. For the past few years, he has been working his way through visiting every country in the world. He is an expert on non-conformity.
The books tells a lot (a LOT) of stories of people who have either made the leap into a self-defined life or people who have done nothing but talk about taking that leap while staying comfortable in their soul-numbing careers.
The Art of Non-Conformity is an inspirational book. It spends a lot of time explaining how to break through the wall of fear to take control of your like. More important, it explains why you’d want to. It does not pretend to define how you should live your life, it just provides the framework for the mentality to help you make that decision for yourself.
If you’re looking for a step-by-step guide, complete with a list of possible work-alternatives, this isn’t the book for you. This book approaches lifestyle design from the conceptual end rather than the practical. If you want a practical manual, I’d get the 4 Hour Workweek by Timothy Ferris. Ideally, you should get both. They complement each other well.
Overall, I thoroughly enjoyed the book. If you’re considering taking a non-standard path or just hate the career- or life-track you are on, you should read The Art of Non-Conformity. I’m planning to read it again in a couple of weeks, just to make sure I absorb all of the lessons.