Frugal living or not - two sides of the coin

I came across a website the other day that challenged everyone to eat on $1.50 per day for five days - http://livebelowtheline.com/ . 

So I gave it a shot.  You can see how I did on a thread at the Simple Living Forum - http://www.simplelivingforum.net/showthread.php?2731-My-personal-Live-Below-The-Line-Challenge

Kara (Treehugger on the Simple Living forum) commented on that thread that she budgets $100 a month for both her and her husband.  Wow.  That's $1.66 each per day.  Every day!  She doesn't have chickens, and it sounded like she didn't get much from the garden this year. She explains how she does it on the thread. And I thought I was doing pretty good by staying under $250 a month for the two of us, with a goal of $200 a month. I think she's my new hero.

You might think that $1.66 per person, per day is easily attainable.  What surprised me in the $1.50 challenge was how much all the extras added to the total - things like butter, sugar, seasonings, even tea, coffee or a glass of milk.  It wouldn't be much different in the $100 a month budget, either.

Now then, the flip side.  Some people we know dropped by the other day.  She's definitely not into the frugal living/make-it-from-scratch lifestyle.  Look in her refrigerator and you'll see a wave of take out containers AKA doggy bags, most of them with food that's not exactly edible.  Once in a while she throws it all away and starts over.  I always thought it was kind of comical and I'd tease her about it.

So the conversation was about the guy applying for a better paying job.  I said that my goal was to live well on less than $1000 a month. (A moment of silence - then lots of laughing and 'good luck with that' with some 'you poor dear' insinuated.)  They said that they need $7500 a month to live!  I didn't know my jaw could drop that far.  They don't live in a McMansion and have talked about financial problems in the past, so I know they have a boatload of debt.  What's scary is that they're 65-ish, so time isn't on their side any more.

So she's sitting there eating some of my homemade yogurt, almost yelling in her best 'holier than thou' tone:
I WANT to take my credit card to the store to buy what I want,
I WANT to use my credit card when ever I want, etc.

Me: *blink blink* (thanks, OFG).  I didn't say much but I was thinking that I kinda didn't like her any more.

It's all about choices.  Personally, I'd rather not have the pressure and I don't want Bill to have to work forever.  So my choice is to stay on the frugal side of life, challenge myself to lower the grocery bill each month without having to buy Beano (can I get it to $50 per person??) and pay off debt.  And of course - to enjoy the journey along the way!

The Cost of Working Calculator

Years ago I was working a job that I truly hated, but felt I had to keep since we needed the extra paycheck.  It was one of those things that I couldn't even enjoy my two days off, as one of those days was spent in dreading the following work day.

Then we did our taxes.  I was in the middle of check registers and paper shuffle when it hit me.  I went through the check registers (pre-debit card and computer era), adding up everything that I had spent for the year that was even remotely associated with my job.  Most of it was eating out because I was too tired and too disorganized to put a meal together.  There were a few checks written for clothing and I figured in the extra gasoline.

So, how'd I fare?  Drum roll please....I was actually clearing $1.35 an hour.  That sucked.  I don't know that it would have felt any better if I had actually loved the job.  I stuck it out for a few more months until I decided that I'd rather sit out on the curb with a 'will work for food' sign.

Here's a nifty little calculator that will help you decide if it's worth working a crappy job, or any job for that matter.  Make sure you subtract what you pay in taxes before you enter your amount in the 'net income' field.  http://www.anycalculator.com/costofworking.htm

This still won't give you the total picture.  There's the wear and tear on your vehicle to consider (oil changes, tires, tune ups).  Sure, you'll still have those expenses whether you work or not, but a set of tires will last you many years if you're only driving 5000 miles each year.  Okay, maybe you aren't in hermit mode like I am.  Last year I drove 1750 miles.  But you see what I'm talking about.

There's also the flip side to consider.  If your employer pays for part of a health insurance plan, you probably get cheaper rates from the group insurance plan.  Buying health insurance on your own is really expensive.  Or you can go without it.  Many people can't afford it.

Would you go nuts staying home?  I thought I would, but I was going nuts working crappy jobs, too.

Things are different today than what they were years ago.  The internet has tons of information available with some mouse clicking.  I could have learned how to save that couple hundred bucks that I was actually clearing each month and not stressed about it. 

Maybe this will help you decide if it's time to quit working for someone else, live a more self sufficient lifestyle, or if it's time to look for a better job.

Just One Step

Our daughter made a comment the other day that when you really get into the eco-friendly lifestyle, you're more aware of how wasteful other people are.  Isn't that the truth.  Some of them just don't know there are alternatives, some have limited time and others just don't give a rat's ass.

Recently when Bill and I were at the grocery store, a woman was in the aisle, clutching a handful of coupons, staring at the 'Mr. Clean ' eraser things.  She commented that she couldn't make up her mind if she should buy the name brand with the coupon or the store brand, which would still be cheaper.  She asked which one I would buy.  I was polite when I told her that I was probably the wrong one to ask, as I would use baking soda to clean anything that needed the eraser thing, so I wouldn't buy either one.  As she was explaining in great detail all the money she saved by using coupons, I was looking at what she had in her cart.  There must have been at least 10 different cleaning products in there.  Sure, she saved $4 because of coupons, but she spent $20 or more when she probably had everything at home to make alternatives that would work just as well.  I have to admit that I was a little saddened because of all the plastic bottles, too.  I hope she recycled, but so many people don't.

I don't want this to be some kind of rant, so I'm putting out a challenge:  Can you take ONE STEP, just ONE STEP each month towards a better world for the future?  Even something as simple as taking your lunch to work one day a week, eating a peanut butter and jelly sandwich instead of a hamburger, is making a difference.  Another easy step is to unplug things that you aren't using.  Or using a Brita filter pitcher instead of buying bottled water.  Or drinking one less soda pop a day.  Or using your slow cooker more often.  You get the drift, these aren't difficult or truly lifestyle changing, but it all adds up.

I am more extreme than ever since I watched 'No Impact Man', but I'm still looking for ways to be more eco friendly yet not too labor intensive.  And there's a comfort level that I want, too.

My latest change is the cat litter. Over the course of a couple of years, I went from purchased, silicone kitty litter to Feline Pine to making my own w/ recycled newspaper and baking soda to now scooping up straw bits and leaf crumbles from the garden into a 5 gallon bucket to store by litter boxes.  I have a coffee canister with some pine sawdust to sprinkle over the top after I scoop out the poops AKA composting toilet for kitties.  I have five cats inside, but I don't want my house to smell like I have five cats inside, you know?  Oh, I also scooped up a trash can full of straw/leaf crumbles and put that in the shop so it wouldn't freeze solid in the winter. It's easy to go out, dip up a bucketful and bring it into the house.  A lot easier than hauling 20 lb. bags back from the store, I'm telling ya.  Edited 3/9/11:  Well, that didn't last too long as the cats tracked it all over the place.  I think I didn't have enough dirt type stuff in it.  I also quit making the newspaper litter as I had to keep a batch going constantly since I have too many cats.  So, it's back to Feline Pine.  But I did read that some people use chicken scratch grains, so I might try that next.  Or a bale of pine shavings used for bedding.
Another edit 5/1/11:  Well, the pine shavings worked as far as odor control, but man, that stuff can travel when it's clinging to a long haired cat!   We even found a piece on our bed!  So, back to the Feline Pine.
Now, I admit that most people wouldn't go that far, or don't have a garden, etc, but how about makng the switch to a litter that is more eco-friendly like Feline Pine, Yesterday's News or another recycled litter?  No huge life changing step there, but it does make a difference.

Just one step - can you find some little thing to change each month?  Heck, you'll feel so good about yourself after a bit, the next steps will be easy!

Save $$ by NOT Spending

A bargain isn't a bargain if you don't need it.  

I cringed when I recently read a blog about saving money.  The gal suggested that first you get organized to see what you actually had and then listed a few places where you could buy cheap plastic storage bins and containers to sort out and store all your stuff.  Wait a minute, wasn't the point to save money?  Ever hear of using a cardboard box?  You can get them free at the local grocery store or liquor store, or etc, etc.  They aren't as pretty, but hey, they work pretty well and cost nothing.  And if you feel like stocking up on the plastic bins because they're on sale, maybe you have too much stuff?  Just a suggestion...

Some people are compulsive buyers, especially if they spot a bargain.  My all time favorite experience with the compulsive buyer was an employer.  I had a job at a greenhouse a few years ago.  Great job, doing what I loved to do for minimum wage.  Time after time, the owner would tell me that she couldn't afford to pay me until next week.  Okay...she had always made good on what she owed me...and I loved the job, right?  Okay, so one time I took some of my pay in plants, but I loved the plants and it was still a great job...maybe just not the best boss.  A few weeks later, same tune.  She couldn't afford to pay me that week.  She was going to run to the bank, back in 20 minutes.  Two hours later, she comes in the door, all breathless and excited.  She had hit a couple garage sales along the way and stopped at the Dollar Store (damn that store and all their bargains!).  Bags and bags of Halloween decorations, including two statues that were 'only' $15 each, etc.  I guess she had forgotten about the 20 boxes of Halloween decorations that she already had stacked next to the cash register. You get the drift.  Suddenly the job wasn't so great any more.  I stuck it out a while longer, hoping to get actual cash for my labors, and finally told her that I'd take that nice wrought iron arbor for my pay.  That was the end of the great job and lousy boss who didn't know that a bargain isn't a bargain if you don't need it...and that you should pay your employee.

There is a blog that makes me smile, http://manvsdebt.com/ .  He's a real in your face kind of guy that's right up front about 'Sell your crap.  Pay off your debt.  Do what you love.'  That's it in a nutshell for him.  While his lifestyle isn't what I want, nor is it for everyone, he's got some pretty decent advice for the common joe.

For myself, I happen to like my crap.  I promise not to bring any more crap into my life since I'm trying to lower my consumerism.  Oh, that gold elephant plant stand over there?  It was a bargain, only $6.99 at the DAV.  I saw it when I was taking some of my old crap that I didn't need any more to donate.  At least I donated a lot more than what I brought back home, right?  Yes?  Hmmm......okay, a bargain isn't a bargain if you don't need it.