frugality

Why you need a freezer.

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Before DF was in my life, there was another: Chester. Cool and calm, he collected great deals for me: manager’s-special meats, gleaned blackberries, bread from the bakery outlet, and on-sale veggies, flour and butter.

Chester was – and is! – a 5.5-cubic foot chest freezer. Right now he’s crammed mostly with on-sale meats; there’s room, because we finished up last year’s raspberries. Recently we’ve found some pretty astounding prices on late-date carnivore bait: ground beef for a dollar a pound, a three-pack of bratwurst for about 68 cents a pound and shank-end hams at 49 cents a pound.

About that last: It is not a typo. I can’t remember when I’ve seen ham at a price that low. Maybe…Never? And thanks to Chester, we were able to get three of them.

You don’t have to be an omnivore to appreciate a freezer, though. When frozen vegetables are available at fire-sale prices, you can get six or seven (or more) bags instead of being limited to one or two. Vegetarian/vegan frozen foods are increasingly varied in scope, so you don’t have to do everything from scratch. (Although my vegetarian sister makes and freezes a big batch of refried beans on the regular.)

And no, the electric bill hasn’t gone up noticeably. (At the time of purchase, I estimated the cost at 78 cents per month.) And even if today’s freezers weren’t super-energy-efficient, I would still want one. Here’s why. 

 

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9 reasons to get a library card.

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The other day on Twitter a guy asked, “Does anybody still have a library card?” Not sure whether the question was plaintive or condescending, but the reaction was both swift and vociferous. The general consensus was, “Of course I do, and I don’t know why someone wouldn’t.”

One person actually said “I feel sorry for (that guy).”

Again, not sure where he weighed in on the topic. Maybe he’s one of those people who thinks he doesn’t need a library card because he has the Internet. But to paraphrase a meme I saw earlier today, “Saying you don’t need a library card because you have the Internet is like saying you don’t need a math teacher because you have a calculator.”

Maybe he was hoping to find his people online, because he’s one of those who got his library card as soon as he could sign his name. One of those who signed up for a new card every time he changed cities. One of those who, even though he reads e-books, swoons when he walks into a physical library and runs his fingers along the spines of the tomes in the “New Reads” section.

That would be me as well. Our libraries are finally open, and today I went back for the first time in probably a year and a half. The building itself is diminished: certain areas are closed off, and the traffic is noticeably lower than usual for a Saturday afternoon. But it was open. And I was finally back among my friends.

By “friends,” I of course mean “books.” I had to stop myself after choosing six. That took some doing, because I happen to know the limit is 50 items. But as much as I wanted to keep browsing, I didn’t want to carry 50 books. Besides, I figured I should save some of the new books for everyone else.

The library is one of my favorite places, and if you consider yourself frugal it should be among your top spots as well. Here’s why.

 

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Frugal hack: Homemade yogurt.

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I’m having a bone graft today, to prepare for a dental implant some months down the road. Generally I look at dental work as God’s way of saying, “Oh, go ahead – have a milkshake for lunch.” But since this isn’t just a filling or a root canal, I have no idea how long it will be before I feel like chewing. One milkshake is fine; several days’ worth sounds cloying. That’s why I made a fresh batch of yogurt over the weekend.

Greek yogurt with some of the rhubarb compote I put up last fall is a fairly satisfying meal substitute. Protein, with no need to chew! Turning some of the yogurt into a healthy smoothie is another option that I think will help get me through the owie-mouth days to come. (Seriously: No idea whether it will be one or two days, or lots longer. This is my first bone graft and, I hope, my last.)

As I put the new batch into the fridge, I was reminded once again how simple it is to make the stuff. Draining it adds an extra layer of complexity, but it’s not that complex.

And the cost can’t be beat. I can get about two quarts of Greek yogurt, plus almost two quarts of whey (more on that later), for $2.61 to $3.14, depending on whether the milk is on sale. When the milk is so close to its sell-by date that it’s 50 percent off, then I pay as little as $1.57.

By contrast: A quick search of supermarkets shows one quart of Greek yogurt going for anywhere from $4.29 to $5.99.

If I hadn’t drained it I’d have gotten almost a gallon* of regular yogurt. But I prefer the thicker texture and milder flavor of the Greek-style product.

Ready to learn how to do this? Keep reading. I’ll also provide a life hack for making Greek yogurt the easy way. 

 

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“Speed cleaning” is life-changing.

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Back in the day, spring cleaning was an annual ritual: curtains laundered, rugs beaten, windows washed, cabinets emptied and wiped, floors scrubbed. Rather than trying to make up for six months’ worth of neglect through one long, physically grueling attack on your home, I’m going to suggest something different: speed cleaning. It’s efficient, effective and, yes, life-changing.

  1. Pick one spot to focus on.
  2. Assemble supplies (which should be stored all together, in the same place) and put on some of your favorite music.
  3. Set the kitchen timer for 20 minutes.
  4. Clean like mad. Get spouses/roommates/partners/your kids in on the action, too. Even preschoolers can and should do chores like dusting, pairing socks and emptying small wastebaskets.
  5. Stop when the timer goes off. Or not: If you’re in the zone, just keep going.

Less than half an hour of churning and burning can make a huge difference in how you feel about where you live. Once the place is in shape, you can keep up it that way with a few short bursts of activity. This is much less onerous than thinking, “This weekend I have to clean the entire house.”

And yes, I know how busy you are. But as Thoreau asked, what are we busy about? 

 

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Found money in 2020.

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This was not a good year for found money. In the last 12 months or so I picked up just $5.88.

Frankly I’m surprised I found more than a buck all year, given that I (and everyone else) stayed home a lot during the pandemic.

In addition, my gut feeling is that COVID-caused unemployment/fear of unemployment might also have made people clutch their coins a little tighter. It might even have made some folks  stoop to pick up that dime they dropped at the cash register.

Or the dime that someone else dropped. Maybe more money was out there all year, but other people found it before I could.

That’s fine with me. I don’t technically need this found money, being one of the lucky ones whose job did not fade away in part or in full in 2020. The reason I pick up cast-off coins all year long is that I donate them.

As always, I’ll round up the donation. This year it’s going up to $30, which is what I sent to the Food Bank of Alaska yesterday after a Facebook friend asked everyone to donate to FBA if they could. Doing this reminded me that I hadn’t counted my found money yet this year.

Now I have. Here’s the total:

 

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Frugal stimulus spending.

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My fiscal stimulus* check got deposited a day earlier than the projected Jan. 4 date. Thus far I have used some of the money to:

Award $25 each to my great-nephew and great-niece, asking them to go forth and support the local economy.

Donate $25 to a GoFundMe for a Fairbanks woman in a tough situation.

Give $50 to the Food Bank of Alaska.

Buy $300 worth of gift cards at a small local restaurant. The young cashier was startled when I asked. “How much?” she said, and when I confirmed the figure she ran to get her boss. The supervisor thanked me several times and when I told him I’d done the same thing with the previous stimulus he said, “You’re helping us keep the lights on.”

Not sure where the rest of the money will go. But it will definitely go, i.e., it will definitely be spent. This is despite the advice I keep hearing to “invest it” or “save it.” Back in 2008 I resisted spending the fiscal stimulus, because I was anxious to rebuild savings depleted during my protracted divorce.

But that’s not what this money is intended to do. The idea is to give struggling businesses (local or national) a bit of a goose.

To be clear: I understand why some people would much rather build their own savings, or give the landlord a bit against the back rent, or pay down their credit card debt. I was there myself. But now I want to play some small part in helping others.

Some of you probably want the same. And I’d like to point out that it doesn’t all have to be bonbons and pretty shoes. You could also opt for frugal stimulus spending. That is, spending with an eye toward getting not just the most bang for your buck but also the most value from the result.

 

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Some frugal Christmas parodies.

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(Happy Throwback Tuesday! Yes, I know it’s supposed to be Throwback Thursday, but my sandbox, my rules. This article originally ran on Dec. 23, 2017. Get ready to sing along!)

This close to the holiday I’m still feeling the pull to buy, buy, buy. Even though we don’t have a television to deliver marketing copy six times per hour, consumerism creeps into our lives in other ways:

Ads on the classical music station (fun fact: a local shop packed and shipped more than 10 tons of Alaska king crab last Christmas).

Displays of holiday foods and gifts at the supermarket and drugstore.

Signs outside other stores.

Christmas decorations at restaurants and my neighbors’ homes.

Never mind that everyone on my list has been bought for and that all the gifts have been wrapped and either mailed or delivered. I still feel that I haven’t bought enough. That somehow I should be giving lots more. That maybe tomorrow on my way to a friend’s house I could just stop in somewhere and…

Noooope, as Lana would say on “Archer.” So I decided to banish those thoughts with humor.

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Monday miscellany: Mental ledger edition.

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Note: Surviving and Thriving is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Maybe you’ve heard yourself using this phrase lately: “I deserve it.” After all, the pandemic has caused so much stress and fear – and, often, financial loss – that many folks are in a constant state of anxiety. Thus we deserve that frou-frou coffee, some new nail polish, a great-looking book or two scoops of our favorite ice cream.

Personal finance writer Emily Guy Birken broke down that phrase in an intriguing way recently. In a post called “How to avoid a pandemic spending frenzy,” she said that the word “deserve” is a big mistake.

“If you deserve something, that means you could be un-deserving of it,” Birken writes.

Additionally, saying you deserve something “means you are placing yourself in a position where what you already have is not enough. This is no recipe for happiness, because there will always be another thing you feel you deserve at some point…Defining purchases and treats as something you deserve is a way to feel resentful, rather than satisfied.”

 

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What I don’t spend money on.

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Note: Surviving and Thriving is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Recently I encountered an article called “Things we do NOT spend money on,” on the ModernFImily personal finance blog. Although we have some differences – they have a small child and universal healthcare, and they don’t drink soda – this is a post I could have written.

That’s because it’s the kind of thing I’ve been writing about, for pay and for my own site, since 2007:

How to have the best life you can on the money you currently have, without losing your dignity or your hopes for the future.

How not to overpay even when times are good, in order to make your money go further in terms of helping others

How to edit the noise in your life so you can focus on what matters to you personally.

Their post inspired me to make my own, and to invite you guys to chime in with your experiences. So here goes, divided into a few broad categories.

 

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Extreme Frugality: Waste nothing edition.

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(Note: This is one of an occasional series of articles on saving money.)

We took the second batch of apple rings from the dehydrator this morning. Made from windfall apples, they have a mildly sweet flavor that at first seemed bland. Yet after eating two or three, I was hooked. Really looking forward to snacking on these this winter.

The cores of those apples wound up in the slow cooker along with other cores from the freezer; they’d come from the previous batch of dehydrated fruit and from two batches of apple pie filling. When DF judged them done, he drained the liquid through a cloth-lined colander and poured the juice into wire-bail bottles, then stored them in the chilly basement.

And the gloppy pomace left in the colander? That went into the compost pit out back. One day it will become part of a garden bed.

Not everyone can (or wants to) garden, or to preserve food. But you can observe the “waste nothing” ethos in other ways, too.

Not-wasting is a central tenet of frugality. A life without waste is a life in which each decision means something. This doesn’t limit our choices, however. It merely refines them. Rather than drifting through life reacting to every trend or advertisement, we decide what’s really important to us.

DF and I didn’t set out to become Super Green Eco-Consumers when we chose to reduce, reuse and recycle. We were merely living the way we grew up, i.e., not spending more than we must on food, clothing, utilities, housewares and the like.

Sure, this affects our impact on the Earth, which I guess does make us eco-friendly. But it also dovetails nicely with my frugal mantra (which he now shares): I save where I can so I can spend where I want.

Because we’re careful with money, we can afford to save for retirement, which means we won’t be a burden to our families as we age. We can also afford to give to charity, help relatives and friends in need, and allow ourselves special treats (a trip to Phoenix, a massage, a really good meal at Kincaid Grill once or twice a year).

Living without waste makes our lives better. And one or more of the following tactics might make your life better, too.

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