Donna Freedman 
Recently a financial company called Yodlee sent me a study about how financial worries influence sex habits. An astonishing (to me) 48% of U.S. students over age 18 find that concerns about cash affect their intimacy with romantic partners.
In fact, more than one-third (36%) of people aged 18 to 34 said that money woes affect their sex drives.
And here I thought that sex was one of those inexpensive things that could help take your mind off your bank balance.
I’ve got two new pieces up at Money Talks News, one of which is serious and one of which has comic-book references. Both can help you marshal your finances.
“How to survive when your income drastically drops” is an article some people would just as soon not read. After all, who wants to think about hours cutbacks or having a spouse lose a job?
But stuff happens whether you want to think about it or not. Put another way: You have the option of a little prep work now or a lot of regret later on.
“8 personal finance tips from ‘Captain America: The Winter Soldier’” is another of my “PF is where you find it” pieces. Having done money-advice pieces based on “Parsifal,” “Gotterdammerung” and “True Grit,” I figured it was time to take on the latest in the Marvel franchise.
“The Winter Soldier” was great fun, by the way – as much political thriller as straight-up action flick. In fact, at least one reviewer warned fans of the first film that the sophomore effort contained less action.
And now for something completely different: a coupon expert who doesn’t like coupons.
Kasey Knight Trennum, who blogs at Time 2 $ave/Time 2 Give, says that she’s never sung the praises of coupons. Ask her about “the joys of saving a ton of money,” however, and she’ll get pretty vocal.
More than vocal: Trennum wrote a book, “Couponing For The Rest of Us: The Not-So-Extreme Guide to Saving More,” that’s designed to help readers save money “without it becoming an obsession.”
The author offers information on topics like deciphering “sales cycles,” how to locate coupons for items your family actually eats, smart stockpiling, making the Internet do most of the legwork, and turning saving into sharing.
And again, a sane approach: “I can’t stress enough (that) balance is the key to making couponing work for you. You have to figure out how to make it fit into your world; it cannot become your world.”
In addition to the book, this week’s winner will also get a cute little green accordion-style folder. After all, some coupons are still made of paper rather than pixels.
Frugality bloggers are all about the hacks, i.e., the conscious ways they stretch every dollar. My daughter recently wrote about unconscious savings – or, rather, savings she didn’t specifically pursue.
“I have an awful lot of unintentional frugality, just based on how I live my life,” Abby notes in a piece called “Life’s accidental savings.”
Among them: working at home (huge savings there), not having a pool (they’re fairly common in Phoenix), skipping manicured hands and a manicured landscape, not eating red meat or drinking coffee, having hermit tendencies, and laziness.
What she calls “laziness” has to do more with spoon theory than sloth. A near-fatal neurological illness left Abby with some permanent health issues, one of which is chronic fatigue. So when she says she’s sometimes “too lazy” to make a junk food run, it probably means she’s not sure she would be able to get back out of the car and into the house after the errand was completed.
(True story: Once when walking home from the bus in Seattle, Abby considered lying down on the public sidewalk because the two steps up to her front walkway seemed just too much to manage. She did make it into the house, but I expect she used her last spoon to do so.)
Judging from the comments sections, she’s not the only person accidentally saving money.
I thought my website’s dashboard was playing an April Fool’s Day trick on me when I got up this morning: Not even 8:30 a.m. and I already had nearly 1,200 page views.
Nope: It was because more than 600 of you had read “6 everyday habits that are draining your wallet” in the Grandparents.com e-newsletter and then trotted over here to read my linked post, “14 ways to get off the kid-gift treadmill.”
Welcome to all of you, and I hope you stick around to read a little more. As noted in the “About” section of this site, Surviving and Thriving is my playground for words, a place to express ideas that don’t always fit neatly into other sites’ expectations.
Sometimes that’s in a fun way, e.g., “Midlife love rocks! (Ask me how I know).”
Sometimes it’s a midlife-musing way, as in “The bottle blonde at the DMV.”
And sometimes I just get really angry about something and need to vent, such as “Think you’re broke? You probably aren’t.”
When I was a kid we got one pair of sneakers each year – always in the springtime, and always a size too big so we could grow into them. Invariably they were either red or blue, because black was considered a “boy” color and white sneakers would get dirty too quickly.
While researching this month’s post for Retail Me Not, I learned just how big a fashion statement sneakers can be. To paraphrase the poet, April may be the coolest month when judged solely (pun intended) on the stylin’ sneaks of today – especially since they’re among the best deals of the month.
I also learned about the existence of vegan sneakers. And here I thought vegan condoms were startling.
Having trouble getting started with your goals? Can’t seem to get it in gear to build the business, create the service, learn the skill or write the book you know will make a difference? Motivational speaker and accountant Onyx Jones can help.
She knows a little something about change and growth. Once a homeless single mother, Jones now has a master’s degree in accounting and is a motivational speaker.
She’s turned the latter into a book called “The Unofficial Guide to Achieving Your Goals,” which is this week’s giveaway.
“(After) committing to following all seven steps, you will see improvement in your quality of life in just 30 to 90 days,” says Jones.
This slim paperback (66 pages) is designed to “motivate, inspire and provide you with tools for achieving your goals and living a life of passion.” And those seven steps mentioned above? If you’re not the kind of person who likes to follow directions, maybe this book isn’t for you.
Yesterday I made a bowl of raspberry Jell-O because cooking – even if it’s just boiling some water – is a great work-avoidance tool. So much easier to postone sitting down at the computer if you can tell yourself, “I’m fixing dessert.”
I ate so much Jell-O as a kid that I rarely indulge, save for turning the powder into a scary-looking (but delicious) rhubarb cake. But it’s a big treat to DF. Whenever he opens the fridge and sees a bowl of the stuff he’ll sigh happily and say, “You made Jell-O!” as though it were a tremendous culinary achievement.
We didn’t have bananas or even fruit cocktail to jazz up the gelatin, let alone Cool Whip (another of DF’s faves). That’s when I remembered Amy Dacyzcyn’s recipe for homemade whipped topping.
Oil or cream?
I’d been fascinated by the idea – DIY Cool Whip! – since I noticed it in “The Tightwad Gazette II” a couple of months ago. Nobody kicked frugal patoot like Amy Dacyczyn, so I was inclined to follow where she led.
The ingredients: powdered milk unflavored gelatin, sugar, oil and water. Lots simpler than commercial Cool Whip, whose label contains more than a dozen ingredients – including high-fructose corn syrup, skim milk, light cream, sodium caseinate, natural and artificial flavors, xanthan and guar gums, sorbitan monostearate and polysorbate 60.
Yum.
I am officially an Alaskan once more: The state has determined me eligible to receive the 2014 Permanent Fund Dividend.
During my previous residence here (1984-2001) we used to joke that the PFD checks paid for our obligatory visits to visit family back on the East Coast. Now that I’m on a tighter budget, I’m going to follow the sage advice of Liz Weston: Keep 10 percent for whatever you want, and send the rest where it can do some good.
In my case that means 90 percent will wind up in my Roth IRA. The rest? We’ll see.
How much money are we talking? The ballpark estimate for 2014 is $1,800. That’s a lot of money just for staying put.
Over at Budgeting in the Fun Stuff, Crystal writes about a friend with a problem that plenty of people wouldn’t mind having.
“They are now earning more than they need to pay their bills, and they wanted my advice on what to tackle next. I love those kinds of conversations!” says the blogger.
Among her suggestions: emergency fund, retirement, various types of insurance, paying down existing debt, and health savings and/or flexible spending accounts. All good choices.
What would you do with extra cash? Maybe you haven’t thought about it, being too focused on keeping the books balanced or paying down debt. But there could come a day when you either get more money (a raise, a windfall, a side gig) or need less money (debts paid off, kids leave home).
Start thinking now about what you’d do with it, for two reasons:
You might think that second one sounds silly. “Help me spend? I can’t wait for the day when I don’t have to agonize over every dime!”
Then again, you might be surprised.