Am I the only one who just noticed that it’s Wednesday? The holiday week with the free day is completely screwing me up.
Just to make this a relevant post:
Spend less!
Save more!
Invest!
Wee!
The Value of Hiding Money From Your Spouse
I have a confession, but it’s probably not going to be a big shocker if you read the title of this post.
I hide money from my wife.
Some of you just started screaming at your monitor that I’m a horrible person.
That’s cool.
You’re wrong, but the fact that I got that reaction out of you makes me smile.
Ok, I might be a little bit horrible, but not because I hide money.
My wife has an admitted shopping problem. If she thinks we’re broke, she shops less. That’s a win and allows me to save up for our long-term goals and provide for our financial security.
I don’t lie about it. If she asks how we’re doing, I tell her. At least in general terms.
But I didn’t tell her about my annual bonus, until we had a bunch of car repairs come up that would have swamped our emergency fund.
I also haven’t told her about the cash I’ve been stockpiling.
A couple of years ago, the power went out here for four days. It wasn’t just our house, it was 75% of everything within 5 miles of our house.
When the power came on in some places after a day or two, the phone lines were still down, which meant gas stations couldn’t process credit cards.
Quick, look in your wallet and tell me how much cash you have on you….
Most people live on their credit or debit cards.
Could you buy food or water if your plastic was gone?
I could that week, but not for long, so I started taking the cash payments from my side hustle and putting it aside. I’d come home, give my wife a little cash, keep a little cash for myself, and put at least 80% of it away. I absolutely refuse to touch that money for anything.
Part of the “set it aside and forget about” means not revealing its existence. It would be too easy to dip into it to pay the pizza guy or when we go to Rennfest.
So I don’t talk about, and it gets to sit all by itself in the safe, comfy and warm. It’s my security blanket, and nobody gets to touch my binky.
Walking Dead: Would You Be Ready for the Apocalypse?
Would you be ready for the apocalypse? The Walking Dead asks that question every week. There is a great deal of human intrigue in the show, but the show is always asking you, the viewer, if you would be ready to deal with an apocalypse on that order. The idea goes much farther than dealing with zombies. Truly, zombies are the easy part of the apocalypse.
Lost People
We live in a world where we are very connected. You know people from all over the world, and it the entire world has been overrun by an apocalypse at once, all the people you are connected to around the world are effectively gone. There is no chance you will ever see them again. The people on the show deal with those ideas every day. There are so many people they miss that they never go to to say goodbye to.
Insecurity
The one thing that the apocalypse creates is insecurity. You will have no idea what is going to happen the next morning. You never know when someone in your crew is going to be bitten or killed. You have no idea when you will run into other humans you cannot trust. There is not a safe place on Earth. Even if you lock down a house, there is no way to know for sure that zombies would not get in.
Violence
The Walking Dead graphically depicts the violence that is necessary to kill zombies. You would have to “kill” thousands of people who have become zombies. You can see their wedding rings. You can see them in their uniforms, and you know that they used to be somebody. However, you have to end them in order to save yourself. Many of us believe we could do that, but we need to think twice before we assume we could be that violent.
Order
The lack of order in the world is the thing that would break most of us. We can reconcile loss, but that loss is hard to reconcile when there is no order in the world. There is not one authority on the planet that is still operating. How would you be able to resolve problems without such a structure?
On the show, all these problems are handled violently. Murdering violent people is all part of the job if you want to stay alive. It is one thing to kill a zombie that is no longer a person, but it is something else to kill a real person who is simply a thieving criminal.
You might think that you would do just fine when you are watching The Walking Dead, but you would not know unless it happened in real life. The zombie apocalypse is not all fun and games. At its heart is a tense human emotion called loss that we would all have to confront head on.
Meal Plans
- Image by Getty Images via @daylife
When we don’t have a meal plan, food costs more.
Our regular plan is to build a menu for the week and go to the grocery store on Sunday. This allows planning, instead of scrambling for a a meal after work each night. It also give us a chance to plan for leftovers so we have something to eat for lunch at work.
We work until about 5 every weekday. When we don’t have the meal planned, it’s usually chicken nuggets or hamburger helper for dinner. Not only is that repetitive, but it’s not terribly healthy. It is, however, convenient. If we plan for it, we can get the ingredients ready the night before and know what we are doing when we get home, instead of trying to think about it after a long day of work.
If we don’t plan for leftovers, we tend to make the right amount of food for the family. When this happens, there’s nothing to bring to work the next day, which means I’ll be hungry about lunchtime with nothing I can do about it except buy something. Buying lunch is never cheaper than making it. I can get a sandwich at Subway for $5, but I could make a sandwich just as tasty and filling for less than half of that, using money that is meant to be used for food. All during wrestling season, we make 30-inch sandwiches on meet nights for a cost of about $5, feeding ourselves and at least a couple of others who didn’t have time to make their dinner before the 5:30 meet.
No leftovers also means no Free Soup, which is a wonderful low-maintenance meal that leaves everybody full. Nobody ever gets bored of Free Soup. (Hint: Don’t ever put a piece of fish in the Free Soup, or the flavor will take over the entire meal.)
Unhealthy, repetitive food for dinner. Over-priced, low-to-middle-quality food for lunch.
OR
We plan our meals right and have inexpensive, healthy food that doesn’t get boring for every meal.
It seems to be a no-brainer. Except, I don’t have lunch today because we didn’t plan our meals and used the last of the leftover hamburger helper for dinner last night.
Update: This post has been included in the Carnival of Personal Finance.
Cheap Lo Mein
- Image via Wikipedia
I’ve never been a fan of making Chinese food. It always seems to involve ingredients I don’t stock and several hours of prep work. It’s not usually worth the hassle. Several months ago, I began to notice that, when we went out for Chinese, all of my kids had the same favorite dish: lo mein. It would be nice to be able to have the dish without having to pay restaurant prices, so I did some research and came up with a quick, easy, and cheap recipe for lo mein. It takes 3 dishes and 20 minutes.
Lo mein has 3 components: noodles, sauce, and the rest.
Noodles
I use spaghetti noodles. I leave them a bit al dente, because they will spend some time in the hot lo mein sauce, which will cook them a bit more. 1 box of noodles is enough for two meals for my family of 5.
Sauce
- Chicken broth, 4 cups
- Rice wine vinegar, 2 tablespoons
- Sesame oil, 2 tablespoons
- Red pepper flakes to taste, about 1 teaspoon
- Soy sauce, 1/4 cup
- Sugar, 1 teaspoon
Mix it all in a bowl, then wisk until the sugar is dissolved. Nuke until hot. I do this while the wok is heating up and the noodles are cooking, so the pepper flavor has a better chance to blend with the liquid.
The Rest
- Sesame oil
- Minced garlic
- 1 Onion, cut to whatever size you like
- Protein, chopped
- Vegetables, chopped
- Ginger powder, to taste
Chop everything first. When you start cooking, you will be busy cooking, not prepping.
Get the pan hot. Splash in some oil, then toss in the meat when the oil is hot. I usually use chicken, but any meat you like–or even no meat at all–will work.
When the meat is almost completely cooked, add the onions and ginger. Stir constantly.
When the onions are barely translucent, start adding the vegetables, in the order they will take to cook. You can use any vegetable you want. Broccoli, carrots, and peas work well. Whenever the grocery store has a sale on stir-fry vegetable packs, we stock up for about $2/bag. Just defrost ’em before you start cooking, so it’s possible to chop them up, and they work great. Otherwise, any vegetables you have on hand will work. Add them, and stir constantly.
At some point, toss in a spoonful of minced garlic. When depends on how much garlic you want to taste. The earlier you add it, the tamer the flavor.
When it’s all cooked, spoon in some lo mein sauce and toss to coat. Remove from heat.
Serve
Spoon the rest of the sauce over the noodles and toss. You will have extra sauce, so don’t add it all at once. You want the noodles coated, not floating.
Combine the noodles with the stir-fry and serve.
If you buy the noodles, vegetables, and meat on sale, this meal costs about $10 to make. Like I said, that’s two complete meals for 5 people, 3 of whom have adult appetites. The rice wine vinegar and sesame oil aren’t cheap, but you don’t use much, so the cost per meal is negligible.
Sunday Roundup: Balancing Fun and Frugality
Friday was another Yakezie Blog Swap. The topic was: “Balancing Frugality and Fun.”
Here is the list of articles:
Latisha Styles shares her story about going on a shopping diet at Narrow Bridge.
Joe gives us 10 different ways we can have fugal fun in almost any city at Prairie Eco-Thrifter.
The other Joe shares with us his memories of time with his Grandpa growing up and how he taught him to have fun at Mom’s Plans.
Ashley reminds us to spend those dollars where they will give us the most happiness at My Personal Finance Journey.
I shared that making memories is what counts at Financially Consumed.
Denise tells us that any kind of fun is possible with a little planning, determination, and work at Money Cone.
Money Cone shares with us how they have become a latte sipping frugal Mac user at The Single Saver.
Jacob shares with us 5 different techniques we can use to balance frugality and fun at Money Talks Coaching.
Eric at Narrow Bridge shared 3 ways he’s found to have fun on the frugal at Retire by 40.
Hunter tells us why corporate bankruptcy isn’t fun at all at Live Real Now.
Melissa shares her story of how her family balances frugality and fun atSmart Money Focus.
Eric defines the ultimate frugalite and the ultimate spender over at Financial Success for Young Adults.
Carnivals I’ve Rocked
Selling Your Car was included in the Totally Money Blog Carnival.
The Evils of a Reverse Mortgage was included in the Carnival of Personal Finance.
Thank you! If I missed anyone, please let me know.
