Frugality – Page 2

Supply Chain Concerns

Okay, folks. At last count these are the situations we are dealing with in addition to the COVID-19 outbreak:

On top of that, there also happens to be a Swine Flu outbreak that I’m watching that will affect our food chain as well as the fact that the United States Postal Service is having its own financial issues.

Are you beginning to understand why I am urging you to grow at least some of your own food now? Because I didn’t link to all of the news reports I have found on this stuff; there’s actually more out there than I listed.

If you look back in history (which I did when I researched the Stock Market these past couple years, you will notice an astounding similarity to the Great Depression. While the exact details are different, the similarities I am noting are highly concerning.

When it comes down to it, however, our primary needs are food and shelter. As long as we have a roof over our heads, clothes on our backs, and food in our bellies, we will be okay. That’s why I’m not going into too much detail about other areas at the moment. If you resist the urge to toss your excess at the moment, a bit of creativity will get you through this.

Everett Bogue’s concerns about a potential housing crisis continue to bother me. There are calls for rent strikes in major cities where the cost of living is extremely high. I had trouble sleeping last night due to those concerns. While they shouldn’t affect me (I live on less than many do), there is still a chance that it might affect others. If Coronavirus continues to run rampant to the point where state and local governments are motivated to keep us in place we should be safe for the most part, but I am beginning to find the stories our governor are sharing in my state to be concerning. Landlords are apparently attempting to bully people into paying up or moving out; while our governor here is making an effort to shut that down, I worry about what will happen in the states where the governors don’t care who lives or dies. We still have a few governors who have refused to take the steps needed to flatten the pandemic curve; those states might very well allow people to be evicted if they cannot afford to pay their rent.

I am torn about this situation. I’ve always been a firm believer in keeping essential recurring expenses as low as they can go; I’ve learned through hard experience that it is easier to come up with $200 than it is to come up with $2,000. Unfortunately, I know that not all of you have followed suit. You’ve either rented or financed a place that is more than you can realistically afford now that you’re unemployed or you live in a city that has sky-high rents.

You need to have a place where you can stay home and stay safe for the duration of this pandemic. With state parks being shut down, I’m worried about how the van-dwellers and full-time RVers are faring. I’ve not even had time to look, so if you have any news please share it with me. I do need the information in order to best advise you.

That said, I am going to go out on a limb based upon my current information. If, and this is a big if COVID-19 eases up with warm weather, there is a chance that governments will reduce restrictions on movement and allow evictions and foreclosures to resume. Depending upon which way Trump jumps with his plan to re-open the economy next month, some of you who are struggling to pay your rent may have a problem.

Even if Trump backs down on the May thing, we might have a problem depending on what COVID-19 does in warmer weather.

Once the scientists develop and deploy a vaccine we will have the economic fallout to deal with. At least one person is calling for the US Government to allow Capitalism to work the way it was designed this time around but based upon what I have seen in the past with the bailouts of the auto and finance industry combined with Washington’s determination to continue that pattern, I am skeptical that Capitalism will be allowed to follow its natural course this time either.

If they don’t allow Capitalism to work naturally, the US government will continue to throw fortunes at these businesses to prop them up, not realizing that 1) the money will not “trickle down” to those of us at the bottom of the financial food chain and 2) helping those businesses stay afloat won’t do a bit of good if the general populace cannot afford to buy their stuff. The failure of a number of businesses is inevitable because of that, regardless of governmental intentions.

If the pandemic eases a bit with summer to the point where restrictions are eased, you may want to consider locating a cheaper place to stay in order to best weather the financial fallout, especially if you are currently struggling to pay your rent right now. I don’t care where it’s located or what it looks like, this is something you might want to consider but only if the pandemic eases with warmer weather.

It will do you no good to escape a sky-high rent bill if you catch Coronavirus and die in the midst of a move. If your choice is between avoiding Coronavirus and paying your rent, I hope you will prefer to avoid catching Coronavirus. It seems to be killing people in all age ranges.

Should you choose to remain where you are (which I honestly believe is best if you can afford to do so), you do need to minimize your recurring expenses regardless. The experts are already beginning to call this a Recession. While the stock market is up a bit due to the bargain hunters scooping up shares, that will change as companies release their quarterly earnings reports and revise their projected earnings downward. It will continue as smart businesses cut or eliminate dividends in order to weather the economic fallout.

Economists won’t make the call until it’s already under way, but once they utter the term “Economic Depression” I suspect that the stock market will really begin to slide. They are already growing concerned at the signs.

I believe that the chances are high that we will face an economic depression. I’m not saying this to frighten you but I am urging you to prepare for that possible eventuality. Cut your expenses. Grow a bit of food. There is only one way through this and all I have to guide you are the stories from my parents and grandparents because the Great Depression happened before I was born.

While I doubt you will be forced to go barefoot and shove your single set of clothes into the cracks of your walls in hopes of keeping the snow from covering your quilt each morning (yes, my father had to do that), I do believe that we will learn hard and fast what is truly important in the grand scheme of things.

Just remember: food and shelter are your primary needs. Unless you’ve decided to toss all of your clothing here recently, you should have enough excess in your wardrobe to get you by. Since more and more US-based clothing factories are switching over to the manufacture of PPE, you might want to keep the clothes you currently have, despite any temptation you have to thin your wardrobe down. Clothes do not last forever, and modern mass-produced clothing does not tend to last near as long as most believe it will.

I learned that the hard way when I moved here with a week’s worth of clothing. The items I selected wore out so fast it made my head spin, leaving me in a lurch because I spent so much replacing the appliances I foolishly left behind that I struggled to replace my ratty clothes.

It is not fun to walk around with holes in the crotch of your only pair of pants, so keep your clothing, folks. Depending upon how bad things get, that extra may come in handy. If anything, you may end up needing to recycle that stuff for rags if you cannot afford bathroom tissue and paper towels – or even diaposeable diapers. Middle Daughter is already struggling to keep her youngest in diapers due to this crap.

I’m running on about four hours of sleep, so I am going to conclude this post before I repeat myself further. I’ve been doing this for days as I hustle to not only make masks for those I love but because I want to get the sewing caught up before I start the garden, whose time is fast approaching. The sooner I can get this done, the sooner I can take a couple of days off to catch up on my sleep.

I am seriously looking forward to some sleep. I am exhausted.

Stay safe. Think about what I’ve written here. I beg you to begin making preparations now while there’s still a bit of time. As for me, I’ve got to get back to work. These masks won’t sew themselves and I’ve a purse to make for a lady as soon as they’re finished.

~#~

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I’ve written a lot of books sharing my odd view of life in hopes of helping others. My most notorious book is titled The Shoestring Girl: How I Live on Practically Nothing and You Can Too, but The Minimalist Cleaning Method is pretty popular as well. You can find them at the following places:

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Blast From the Past

“Is it done yet?” Middle Daughter bounced in her toddler chair as she watched me sewing her latest dress.

“Not yet, honey,” I repeated patiently. “It takes time to make a dress.”

“Okay.”

“Is it done yet NOW?” she asked a few minutes later.

“If you don’t quit asking, I’m gonna quit!” I’d eventually warn her in frustration.

The death of my mother in 1992 left me with her sewing machine and several boxes of patterns and supplies. At first I stored them away in my “retreat” – a tiny extra bedroom that I would hide in when my husband’s movie and video game habit got on my nerves.

Every time I saw that machine I felt guilty. It was a piece of my mother. She loved to sew quilts as she aged. As a child, she had even sewn me a few outfits. My family had little money and I had no skills. That machine could fix that…if I only knew how to work it. I could do what my mother did and craft the things my children needed.

My first project was an unmitigated disaster. I knew nothing about needle size, thread tension, or any of the other myriad settings and procedures needed to turn fabric into something worthy of use. I burned that first dress in the backyard in shame.

But then I became angry. I was angry because my mother had refused to teach me how to sew and angry at myself because I didn’t learn the skill by osmosis. I began lurking in the fabric sections of stores as I worked through my rage.

That was when I stumbled upon my first sewing book.

With every book I managed to acquire my sewing skills improved. My kids loved the outfits I made them. They even started putting in requests when they saw patterns that they liked. My middle daughter was especially persistent. She would sit beside me as I worked, playing with her toys as she encouraged me to “hurry up.”

Friends began to give me money to make clothes for them as well. When I started making quilts, the demand grew even higher. I didn’t make a fortune but the money I earned allowed me to buy supplies that I used to make things for my family.

But times changed. It became cheaper to buy things off the rack or at thrift stores than it was to purchase material. Wearing particular brands became popular. People didn’t want to buy something designed to last, they began to look at items like clothing, quilts, and curtains as disposable. Use it a season, toss it, then redecorate with new became the trend.

As my children lost interest in my homemade clothing I began to sew less and less. The demand for homemade quilts faded when mass-manufactured imports emerged on the market for far less than I could acquire the material to construct them. The quality was inferior (in my opinion) but those who were fond of the items didn’t care. They didn’t want to keep the quilts forever – just a season or two until they changed their color scheme.

By the time I began to explore minimalism I rarely sewed. Aside from the occasional quilt, my tools sat unused. Clothing was so plentiful that I rarely needed to buy any; people were happy to give me their discards since they bought so much more than they could use and store. Clothes shopping had become a hobby, and quickly fading trends made them disposable.

I didn’t see that ever changing so in time I gave away my sewing equipment and supplies. Save for a sewing box my daughters had gifted me with on Mother’s Day one year, everything was eliminated.

But then Coronavirus happened. Medical workers needed masks. Cashiers needed masks. Everyone seemed to need something that they could not obtain in a store, so people started asking me to start sewing again.

As I began to hand-stitch my daughter’s first mask, she emerged from her bedroom with a surprise: her dad had gifted her with a sewing machine he had found in a yard sale several years previous when she’d mentioned to him that she would like to learn but she’d never gotten around to even opening the case. Would the machine make sewing the masks even faster? she asked.

Oh yes!

After a bit of tinkering I fired up that machine and set to work. The kids got masks, some friends got masks, and the requests increased. I started using the rotary paper cutter my kid had to make the process a bit faster.

My kid noticed. For my birthday she replaced my cutting mat, ruler, and rotary cutter. Both daughters (middle and younger) had remembered the tools I’d owned in the past so both began to hustle to replace the things I’d eliminated.

That was when Katie found a pattern for a handbag that she liked.

“If I get the stuff, will you make this for me? I’m tired of my purses falling apart,” she explained.

“Of course!” I replied.

She was so excited that I set the current batch of masks aside to get started. She even helped me pin the pattern to the fabric.

When my daughters realized that I was going through quite a few spools of thread, they remembered how I would buy cones in days past. Middle daughter located the largest spool of black thread she could find in one store; Katie actually managed to locate some cones.

Coned thread feeds from the top as opposed to the side. To use cones with a standard machine, one typically spends $10-$15 on the special stand. As I did years ago, I refused to spend the money; I took a wire clothes hanger, some cardboard, and a bit of tape to construct one myself. I had to explain to Katie that she’d gotten the right thread; I just refused to buy the gadget that consumerism demands.

She laughed after she saw my solution.

I finished the purse in a day, reinforcing it because the pattern was not designed for the abuse I knew my daughter would give it. She keeps everything in her purse; at times she’s used it for a overnight bag when she’s taken trips to visit her fiancee (now husband). I’ve even seen her stuff her laptop in her previous bags so I took extra care to ensure that if it failed, it would not be because of my stitching.

Before I could take a photo of the finished purse she tossed her gear in it and went to work. I do have a photo of the pattern however:

EDIT: Katie came home from work as I was finishing this post so I managed to snap a couple of photos of the completed project.

While I intend to take most of today off from sewing, I’ll have to work up some more masks starting this evening. Here are some photos of the ones I’ve made so far.

Right after completion of one of Granddaughter’s masks. Middle daughter was impatient to see so I snapped her a quick photo.

Backside of mask. I make them reversible.

It took several days of research to come up with the final design. I knew from previous experience that elastic (especially the thin elastic most use) won’t hold up with repeated washing and use, so I crafted straps that would hold up for an extended amount of time. This allows people to fit them to their face properly and position the straps based upon their needs.

When I consulted with nurses, they informed me that the standard CDC and NIH guidelines weren’t sufficient so I also followed their advice and used a heavy non-woven interfacing instead of the fabric liner those agencies recommended. When I make something, I want it to be as effective as possible, last as long as possible, and look nice as well.

Based upon the feedback I’ve received I suspect I will be crafting these things for quite a while. I also suspect that both of my daughters will keep me busy sewing other items as well. Middle daughter plans for me to make matching Princess dresses for her daughters as soon as her youngest gets a bit older, and Katie is already shopping for pattern lots featuring clothing that she likes.

Based upon the messages Katie has sent me just today about how her friends have been drooling over the purse I made her, I suspect I will stay rather busy.

Even more importantly, I learned a valuable lesson from this experience. Just because an old skill goes out of fashion, one should never eliminate the equipment and supplies one uses to make or repair things. You never know when times will change and those skills will be necessary once more.

For the record, however, I am still dreading that garden. If I didn’t believe so firmly that the food would be needed, I would say “forget it.” I am so very thankful that I know how to make one, however. I suspect we will need one for this year at the least. Depending upon how this mess sorts itself out, I might have to raise one next year as well. Thanks to the old skills I have been teased for over my lifetime, our family is in a lot better shape than many out there.

I am immensely thankful for that blessing.

What are you thankful for today? Please share your stories in the comments below.

The Perception of Minimalism and Thoughts About the Economy

Everett Bogue sent me an email the other day. We email each other on occasion and he’d stumbled upon an article he thought I would find interesting.

I had to read the article twice. Then I had to ponder the article for a couple of days because I could not believe what I was reading.

Why? Because based upon that article, despite the fact that I was one of the top Minimalist writers of the Great Recession, I’m apparently neither the proper gender nor a member of the appropriate socio-economic class to be considered a minimalist. Colin Wright made it though; I was surprised he even got a mention.

One of the aspects of the high-handed article that I found so hilarious that Everett himself, the central voice in the Minimalism movement and the very person who encouraged me to apply minimalism as I struggled after having my telecommuting job moved to another nation, wasn’t even mentioned in the article. He was the person who privately explained to me that I could achieve my dream of being a stay-at-home single mother. Despite the fact that it was Everett’s personal experience and voice who jump-started the Minimalist Movement of the Great Recession, he was written out of the history of the Minimalist Movement.

Even more hilarious, the very impetus of the Minimalist Movement, the Great Recession itself, wasn’t even discussed despite the fact that many of us were driven to live on less because we had to. A lot of us lost our jobs during that time, including myself. The author decided to delve into the art scene instead, which has absolutely nothing to do with our lifestyle.

Leo Babauta wasn’t even mentioned. None of us old guard were named in the article except for Colin, and they didn’t even deign to link to his website, which is infuriating. Instead, they discussed the pseudo-minimalists who jumped on the bandwagon well after it left the gate, the wealthy folk who decided that Minimalism was cool and had the money to do what those of us who started this movement never could and definitely never would:

Throw money away on super-expensive, impossible to maintain furniture, appliances, and gadgets that the true Minimalists would have never deigned to bother with.

Minimalism is the art of eliminating the unwanted/unnecessary in order to have more time/money/energy to focus on the wanted and the necessary. A true Minimalist would know that it is stupid to spend $1,000 on a high-end special hotplate when you could walk down to your local thrift shop or box store and pick up a hotplate that serves the exact same purpose for $20 – or free in my case. My hotplate was given to me by a neighbor.

Minimalism isn’t about spending $1,000 on a high-end washer/dryer combo. A true minimalist would reduce their laundry and either wash their clothes in the sink (as I have in the past), go to a laundromat, or invest in a portable washer, hanging their laundry up to dry in order to minimize their impact upon the environment.

But since the elites hijacked the Minimalism movement in order to hawk their wares (you know who I’m aiming that dig at) and give fancy speeches to those who have so much money they can’t figure out where to spend it, the rest of us who started this movement, the ones of us who became minimalists due to our frustration at the economic climate at that time have apparently been written out of the history.

So I have one thing to say to the authors of that article: kiss my ancient female ass. I was a minimalist before you were probably out of short pants and I don’t give two shits whether or not I fit your paradigm.

I personally embraced minimalism because what I had been taught about life wasn’t working. The only way I could afford to feed my kids was to learn how to live on less money. The only way to live on less money was to reduce the amount I purchased. And as I reduced the amount I purchased, I realized that there were advantages to living on less that I’d not conceived. Not only was I able to become a stay-at-home single mother (which I’ve been told is still physically impossible), but I freed up the time that allowed me to write a number of books designed to teach others how to do the same if they wanted.

That said, I never imagined I would experience the time when minimalism, particularly my version of financial minimalism, would be desperately needed. I’ve already written a number of books on the subject; if you want to survive what’s coming I suggest you find one and start reading. I’m not about to repeat myself in a new book when my old books say the exact same thing and provide the advice you need to get through this.

Which brings me to the other subject I would like to discuss.

One of the things Everett pointed out in his email and bogcast shortly after was that, during the Great Recession, a housing crisis caused quite a few people to become homeless.

While I do believe that the housing sector is about to undergo a massive change, there is something different happening now. The Federal Government has suspended evictions and foreclosures. States are slowly following suit. They don’t want us to be homeless now. In fact, they are busting their butts in several states (including mine) to provide housing to the homeless, which is something I never imagined I would see in my lifetime. The governor in my state actually called out some landlords who were trying to quietly evict people just the other day, calling that a major no-no.

I suspect that the Federal Government is so determined to prevent the spread of Covid-19 that they might end up subsidizing or even purchasing the properties of tenants and mortgage holders in danger of being evicted. It’s either that or have the landlord class rise up in protest. Since Trump is rather fond of the landlord class (he happens to be one of them), I suspect he’ll act to serve his own personal interests and apply the method he devises to save his own butt across the board in some way.

So for now, while this stuff is running rampant, I don’t think any of us need to worry too much about being homeless. While a housing crisis is pretty much inevitable since so many of us can’t afford to pay rent, I see too many signs that indicate that the Federal and State governments won’t allow that to happen. The landlord class is at the top of the house of cards that describes our current economy; the Federal Government seems determined to throw whatever they can at those top layers, to the point that they are all but ignoring the cracks that are appearing at at the foundation. Because of that, they will do what they can to keep the landlord class somewhat content so we can remain in our homes. While I don’t know how they will do that exactly, for now I believe we’re safe.

So keep your stuff. Stay home. Plant a garden if you have a yard or scavenge some buckets to start a container garden. I heard of one lady who bought a bunch of $1 trash cans to start her garden in since she didn’t own any buckets, so that might be an idea you can use. While only time will tell how things will pan out in the housing arena, for now I believe we’re safe from being evicted.

I will keep an eye on the news and warn you if I see any indications of trouble. If you happen to stumble upon something in your area, let me know. This is definitely something I want to stay on top of.

While you’re at it, ignore the advice of frugalists who think living on thousands of dollars a month is living cheap. They have no fucking clue what we’re about to deal with. If you don’t like the advice I give, find someone else who practices what they preach. Find someone who lives on very little money like I do and follow their advice. Just as with the Minimalist Movement, the frugal living movement is filled with charlatans who have no idea how to truly live on less.

You’re not going to coast through this by living the status quo, folks. Prices are already starting to rise nationwide. They will continue to rise. Most of the stuff we take for granted (including quite a bit of our food) originates from nations that are being hit hard with this virus, and it will take a while for the production in our nation to compensate. That’s the real reason it’s hard to locate bathroom tissue and diapers in the stores. Worldwide production is down. While factories in this nation are working hard to compensate, they actually do try to pay somewhat of a living wage so prices will go higher.

But if the strikes over PPE, sanitation concerns, and hazard pay continue, we will have a rocky road ahead of us as they sort things out.

Minimalism, folks. You need it. While you don’t need the “toss all of your stuff” brand of minimalism that many propose right now, you do need to embrace the financial minimalism that my grandparents, my parents, and myself embraced as a way of life.

Water jugs and butter bowls can become bowls and planters to grow food. Plants can be grown to provide food instead of decorative greenery. Vegetables make pretty flowers too so don’t worry – they’re still pretty, just in a different way. If you can’t afford potting soil, make or grab a spade and a bag and dig some out of the yard. Find and “borrow” some if you have to. Do whatever you have to do to use what you have and locate what you don’t to start growing a bit of food. Some farmers are having to let their food rot in the field because they have contracts that won’t allow them to sell to the average person, so the cost of food will go up until that gets sorted.

If you happen to know a farmer, make that person your friend on Facebook. You can’t exactly meander out to their farm with the current restrictions, but if you can figure out a way to befriend them, they may allow you to quietly liberate some of the food they’ve got rotting in the field. If they have a heart (and dislike wasting food) they may be willing to turn a blind eye if some of that produce disappears into your belly.

Ask your friends if they happen to know a farmer who raises eggs and meat. I know some in urban areas who raise chickens and ducks. There is very little difference between chicken, duck, and goose eggs so don’t be picky. And if your kid happens to have a BB or pellet gun, clean it well and start target practicing. While I really hope it doesn’t get as bad as that, you can kill small game with a BB or pellet gun, and you don’t need a gun permit to own one in most areas.

If you really want to learn more about growing and quietly raising food, read Dolly Freed. I’m reviewing her book myself.

As for that surplus of clothes in your closet, you might want to keep them even if they don’t fit. Dolly Parton’s “coat of many colors” is a real thing. You can repurpose old clothes into rags (which will come in handy if you can’t afford paper towels, napkins, diapers, or bathroom tissue in the future). You can sew patches on your pants with the fabric, or even extend the legs on children’s clothing. You can piece them together to make quilts and other needed items. Hell, you can burn them in a stove in the winter if you get cold along with that stack of books you never got around to reading. It might not be the most eco-friendly thing to do but at least it will keep you warm.

I would rather have you over-prepared than under-prepared for this situation. Since we do not know what is going to happen, it is best to prepare for even the situations we cannot conceive of. I find it personally hard to even imagine that there will come a time when I cannot acquire food. I’ve not helped slaughter an animal since I was a kid but you know what?

That won’t stop me if my grandbabies get hungry. I hope it won’t stop you either.

So let the fools who think this is going to blow over in a few weeks do their thing. The so-called minimalists who are using their time off work to toss their stuff will learn the truth soon enough when their 401(k)s start plummeting to nothing. Everyone who has placed their faith in the stock market will learn a harsh lesson about life before this is over.

DISCLOSURE: I sold out of almost all of my stocks as I saw this coming. While one medical company I’d invested in went belly-up before I could catch it, the only companies I’ve still got an investment in are an entertainment company (since the demand for entertainment will increase for the duration) and a finance company that is essentially a “check into cash” place for the corporations. They make sure that they get their money first in the event that any company they provide financing to goes belly up, so they rode out the Great Recession pretty well. I kinda like the thought of someone charging corporations usurious interest rates the way so many of us are charged because we are poor, so even if I lose every penny I will receive immense satisfaction at the thought that those fat-cat CEOs are getting a bit of comeuppance.

I’m using the money from the companies I sold out of to help get through this. This girl is putting survival first.

I believe we will all learn some hard lessons about life before this is over, truth be told. We may have to learn and do things we never imagined to get through this.

But you know what? We’re going to be stronger in the end. So don’t be scared; just do what you can to prepare. While it could get rough, we are smart. We are creative. We will do whatever it takes to get through this mess. Just don’t waste your time casting blame, because at this point the reasons do not matter. What matters is that we survive this.

And we will survive this. I will share everything I possibly think of to help you through this. I’ve went through times when I had to feed a family of five on $25 a month. I’ve went through times when I lived on the scraps my kids left on their dinner plates. I’ve slept in stairwells. I’ve snuck into garages and huddled under mountains of scratchy curtains to sleep during the winter. I’ve even lived in my van in the past, so if anyone has the skills to figure out how to get through this mess it’s me.

Because I’ve been there. I know what it’s like. And I will share every tip I possibly can to help you through it too.

But if you’re going to make it through this, you need to start preparing now. It is best to over-prepare than under-prepare. Hoard your cash. Cut your expenses to the bone. I’m even going through my expenses and doing the same as I wait for the danger of frost to pass so I can start digging.

For the record, I’m seriously dreading the digging. I’ve not had a garden in ages and all I’ve got is a spade to work with. If I’m lucky, Middle Daughter will find that hoe she thought she saw in her shed the other day. We’re combining our forces to grow a garden.

It will be a cold day in hell before I risk my babies going hungry.

And thank you for your email, Everett. I appreciate you more than you will ever know.

All you old-guard Minimalists who are still out there, who understand what minimalism is truly about, you need to get off your duffs and start writing again. Seriously, these fools that are popular now are not helping matters. I don’t care how you do it, you have a duty to help people learn how to live on less so they can survive this. Send me links and I’ll get the word out that you’re back.

We are all going to have to band together for what’s coming.

~#~

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How to Plan for an Uncertain Future

Okay, folks. We’ve got some work to do. Sitting on the couch isn’t going to make things any better – it will only make you insane.

Best case scenario is we have another recession. We live through this, our friends and family live through this, but we have some financial challenges to deal with.

Worst case scenario is we lose some family and friends and end up facing a Depression that makes the Great Depression look like child’s play.

That’s what we’re facing. Either we square up and meet it head on, or we let it kick us in the private parts while we skulk off to cry.

Either way, we can’t escape this. The only direction we can go is through it, so it’s time to get to work.

That was the pep talk I gave myself when I felt myself becoming sad at our current situation. As skilled as I am at living on less, seeing the names of my friends in the obituary column really hit hard.

But do you remember that old TV show the A-Team? You younger folk might remember the movie based upon that old series. It was my favorite show when I was a kid. And my very favorite scenes were when Hannibal made a plan and the team prepared to take care of business.

I have personally chosen to look at this as a challenge. I’m not only a minimalist, I’m one of the foremost frugal living experts in the United States. If anyone knows how to live cheap, it’s me. That said, this is a completely different situation from any I’ve ever faced. Even during the Great Recession I was able to go out and get a job. It may not have been the fanciest job, but I could get a job.

This time I’m at the age where, if I go out and get a job, I could kill myself. Since I enjoy living too much for that, I intend to tough it out on as little as possible for the duration.

When creating a plan, you need to focus on immediate needs first. For us, that meant whipping up some face masks so that my daughter could be a bit safer at work and I could be safer should I need to leave the house.

I had a few problems with that need, however. Not only had it been close to a decade since I’d sewn anything, I’d eliminated almost all of my sewing supplies. On top of that, I had never sewn a mask in my life, so I didn’t know where to start since I was horribly out of practice.

I could have thrown up my hands and said it was impossible but I knew that it wasn’t. I had a needle and some thread; add some material and a bit of creativity and I knew I could handle it. I gave the kid my card and asked her to pick out some fabric and interfacing (non-woven interfacing increases the effectiveness according to several family members in the nursing community) while I sat my butt down and began watching mask-making tutorials on YouTube.

I took ideas from a number of different videos and went to work. I no longer had a dedicated set of fabric scissors, so I repurposed the kid’s rotary paper cutter for the cutting part. After scrounging a bit around the house I selected an old tee-shirt to sacrifice to the cause (elastic shortage in this area) and got to work.

As I stitched, the kid came into the kitchen hauling a 1970’s era sewing machine. Her dad had picked it up at a yard sale and gifted it to her several years ago. She’d never used it; did I think it would make the sewing faster?

About that time a friend called. She was at the same store that sold the fabric: did I need anything? I begged her for some sewing machine needles and oil. When those arrived, I cleaned that machine and used it to finish the first mask.

While I was at it I sewed several masks for myself and some friends. I want as many of my friends to make it through this as possible so it made sense. I’ve seen enough of my friends in the obituary column. I’ve kept myself busy at that project for these past few days.

Now that the immediate project is done, I’m making plans for my next project, which is ensuring that we have some fresh food if money gets really tight, supply lines break down, or inflation makes the prices go up. I’m not exactly fond of yard work so I’ve decided to plant what I can in repurposed containers and to establish a three sisters garden in my back yard. You don’t need to weed a three sisters garden, which makes it perfect for my personality. As an added bonus, it will remind me of my grandmother, who made me promise ages ago to never forget the Native American blood that flows through my veins. While I may have been too young to remember the tribe she told me our ancestors were from, I’ve kept that promise to the best of my ability. This little garden will give homage to my ancestors.

These are just little steps that I’ve taken, steps that have not only kept me busy but have allowed me to prepare for what’s coming. If anything comes to mind that might make the coming days easier, I jot it down in a notebook to consider once I complete my current projects.

This is something that all of us need to be doing. Take a serious look at your life and ask yourself what you can personally do to prepare for any hard times in your future. Try to look at this as a challenge: just what can you do to not only make things easier, but that will stretch your abilities a bit?

Instead of paying your bills blindly, examine them to see if there is any expense you can eliminate. Do you subscribe to several streaming services? Eliminate one. Can you reduce your phone, cable, or other utilities? Can you open a window and avoid using the air conditioner this summer, at least for a while? If you go to a laundromat, can you scrape together a bit of money and invest in a small washing machine? If not, have you ever tried washing your laundry in a bucket or a bathtub? If you’re not an essential worker and are stuck at home, why not give it a try? That will allow you to save money you would otherwise spend at a laundromat.

There are so many different ways to save money! Just look around your house for ideas. If you can’t come up with any, read one of my books on the subject. The less you spend, the better off you will be moving forward. The best time to prepare is before you need to; the next best time is now.

Think about it this way: you can either feel sorry for yourself or you can do something about your situation. The first option doesn’t help a damn bit, but the other one just might save your ass.

It’s up to you.

~#~

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How to Survive the Coronavirus Pandemic Without Bathroom Tissue

I never imagined that the time would arrive when the crazy things I’ve done to save money or live on less would be helpful to a large group of the population. I started doing the things I’m doing just to save money in order to be a stay-at-home single mother to my kid, and I’ve caught so much flak for that decision since then that for the most part I keep my eccentricities to myself these days.

That was before the fights started. Just today, a fight broke out at a local store over bathroom tissue. My daughter’s store is struggling to keep toilet paper in stock along with a number of other items. From what I can discern, the local police in this area are becoming hard-pressed to keep the peace with the shortages we have in our town alone.

If it is this bad in our little town, I shudder to think of what it is like for those who live in major cities. The worst part of this entire situation is that none of us know when the chaos will end.

I’ve spent my days recently documenting this point in history. I’m logging the things I hear and see as well as collecting the occasional news article now that I’ve noticed a few web pages disappear. I don’t know what I’ll do with this chronicle; perhaps it may help my grandkids understand this time period at some point in the future when they become old enough to ask questions.

For now, however, I am more concerned about the bathroom tissue (toilet paper) shortages that seem to be sweeping the nation. Folks all over seem to sense that things could become even more challenging in the upcoming months so they are trying to stock up. I don’t blame them. That said, it makes things hard when you need to wipe your butt and you don’t have anything to wipe it on.

Years ago I wrote several articles about family cloths. I eliminated our use of not only bathroom tissue during that time, but my personal use of sanitary pads as well. For those who may be worried about the shortage of bathroom tissue I am going to republish the original article. I hope it helps.

What are Family Cloths?

Family cloths are a substitute for bathroom tissue. You can take old tee-shirts, washcloths, or other soft fabrics to use when you clean yourself after you go to the bathroom. While you are stuck at home, you can also use them as menstrual pads. They are more bulky than commercial options, but since the US has an apparent shortage of bathroom tissue, I wouldn’t be surprised if we end up with a shortage of menstrual products as well.

Hesitations About Using Family Cloths

The first hesitation some have is the instant ick factor associated with using cloth and washing it as opposed to using disposable paper. There is not much difference in washing family cloths than dirty underwear-both contain bodily solids and fluids.

The second hesitation is a concern over cleanliness. When wiping with cloth as opposed to paper you are free to use an extra cloth or so if you feel “less than fresh”-just toss it in the wash and you can reuse it. Compare this to regular bathroom tissue-how many children get scolded and conditioned to use less tissue to save money in the family budget? Have you seen the underwear of children conditioned to conserve bathroom tissue? It’s not a pretty sight. With family cloths you can encourage your family members to use what is needed to get clean, and even provide a bottle of liquid to help them with the chore!

The third hesitation is the gross-out factor of washing the cloths, but using the proper method you will not have to touch the soiled cloths.

The fourth hesitation is summed up as “What will the neighbors (family, friends) think?” Properly executed, no one will notice that you are using family cloths unless you actually tell them.

How to Begin Using Family Cloths

To actually begin using family cloths very little is needed.

The supply list:

Washcloths (old tee-shirts, cut into pieces, makes an excellent and inexpensive substitute)
Covered bucket or pail
Water
1/4 cup bleach or vinegar
Squirt of dish soap or laundry detergent

Step One – Preparing the Family Cloth Bucket

Prepare your bucket by filling half full of water and adding 1/4 cup of bleach or vinegar and a splash of soap. Soaking the cloths in this solution will reduce odors and germs as well as allowing the cloths to come cleaner in the wash. If you do not have bleach or vinegar add some borax to the water instead, but bleach is the preferred liquid for its germ-killing properties. If your bucket is small or large you may want to increase or decrease the amount used. A half ounce of bleach per gallon of water makes a very weak sanitizer solution that is used to clean food preparation surfaces in restaurants. Do not use too much bleach-this will damage your cloths.

Place this bucket in an inconspicuous place within reach of your commode. I use a re-purposed laundry detergent bucket placed between the commode and vanity-my washer and dryer are in my bathroom, so no one notices a container of laundry detergent nearby! This is where you will store the used cloths until washday.

Step Two – Placing the Family Cloths

Place a pile or basket of washcloths within reach of the commode. The reason washcloths are chosen over other fabrics like re-purposed tee-shirts or flannel is simple: camouflage. No one thinks twice about a pile of washcloths in a bathroom, so you can hide these in plain view! Extra cloths can be purchased inexpensively at places like Wal-Mart-in January of 2010 the Southside Paducah Wal-Mart was selling an 18-pack of washcloths in white or a color assortment for $4.

Make sure you keep a roll of bathroom tissue in plain view at all times-this will make you look like you are using bathroom tissue the same as “everyone else.”

Step Three – How to Use Family Cloths

When you use the restroom grab a washcloth and use it to wipe instead. If you want to get really clean take a re-purposed squirt bottle (a dishwashing liquid or shampoo bottle is perfect) and fill with water and add a couple drops of tea tree oil (antiseptic), a couple drops or olive or mineral oil (skin conditioning – you can even use hair conditioner or lotion here), and a couple drops of liquid soap. Squirt this liquid on your cloth before wiping your private areas to get really clean.

When you are finished wiping place the cloth in the covered bucket, flush the commode and wash your hands.

Step Four – How to Wash Family Cloths

Take the bucket and pour it into your washer. Spin the water out of the cloths and wash them in hot water with bleach. Use vinegar instead of fabric softener in the rinse to get them extra clean. Dry well and place the cloths back in use.

Notes about using Family Cloths

Do not use a trash can to store your family cloths in. Someone will invariably toss a nasty piece of trash in there for you to fish out. Marking it as “Do Not Use” will only raise questions from company. Concealment is key. You can place your bucket in a covered wicker basket, or even stash it in the bottom of a laundry hamper-just do not use a trash can or diaper pail unless you are prepared for discovery.

Katie the Coupon Queen

My Katie and I have been discussing my muses of late, particularly my personal opinion that I wanted to encourage people to find ways to give the corporations less money. I thought my words had fallen upon deaf ears but then something interesting happened.

For a couple of weeks I heard Katie watching episodes of some show about extreme couponing. I was amused at the fact that my daughter, of all people, suddenly seemed interested in people clipping coupons and saving money, but I let it go, reasoning that she was probably trying to understand some of her mother’s eccentricities.

When she came home the other day with a bunch of coupons, I started to grow concerned. I’ve attempted couponing in the past and I had spent more money acquiring the coupons than I saved. I kept my thoughts to myself; there are things people should learn from experience.

Sensing my skepticism, Katie collected her coupons and dragged me to the store with her yesterday. Her plan was to stock us up on things we actually use while spending as little as possible.

I thought she was on a fool’s errand as I tagged along.

To my absolute shock, my daughter managed to shave 1/3 off of her total bill with that stack of coupons – and that was at the store on the corner! That particular store is known for its higher prices; we both try to avoid it whenever possible for that reason.

Now, for the first time in years, my daughter and I are having conversations about homemade laundry detergent, expiration dates, and reasonable stockpile levels. She has no desire to buy things that will go bad before they are used.

Her argument is this: at the moment, it is hard to purchase certain things without giving your money to the corporations that are running our government, so why not use coupons, specials, and selective stockpiling to give them as little as possible?

I must admit that she has a point.

Have you ever had luck with couponing? If so, do you have any tips that you can share? Please share your stories in the comments below.

~#~

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The Story of Bill

Bill is an American success story. He dropped out of college to follow his dream of making windows – and he hit it big. Bill is one of the people we look up to when we decide that we want to pursue our dreams. I used to be one of those people.

On the outside, Bill appears to be a saint because after he managed to convince everyone to install his windows in their homes and their offices, he used some of his money to improve his self image. He opened a charitable organization or two, convinced others to toss a few pennies of their wealth into the pot, and started doing good deeds, making sure that they were publicized so the whole world would see how wonderful Bill and his friends were.

What Bill didn’t reveal was the fact that he was actually playing a shell game. While our eyes were watching his charitable organization, him and his cronies were buying our governmental leaders in the background. They spent so much money buying our government that they decided that they didn’t want to buy our government and pay taxes too. Bill traveled to Puerto Rico, arranged to pay almost nothing in taxes (it wouldn’t look right if he got off paying nothing, he realized), and then “sold” the rights to some of some of his most profitable products to a tiny little company he created there.

It was the equivalent of selling a $100,000 home to your brother for five bucks, only in this case, Bill used the legal system to turn a portion of his money into the brother. Corporations are almost considered to be “people” in our legal code, so he essentially cloned himself, made the clone a resident of Puerto Rico, and transerred the rights to his most profitable products to this clone at a laughable price to avoid paying taxes in the US.

Bill did this because there is one organization in the US government that doesn’t contain elected officials he can buy: the IRS.

The IRS doesn’t discrimate. It is filled with low-paid employees who have one mission: ensure that everyone pays their fair share in taxes, if not a bit more.

The good people at the IRS watched Bill and his cronies pull stunts like this for years. They had been the ones getting yelled at when people noticed that Bill and his friends weren’t paying their fair share. They took it and took it until they got fed up and decided to fight back.

They not only decided to do a full audit on Bill, they called in the biggest legal guns they could to fight back.

“The nerve of these bastards,” Bill ranted when he received the audit notice. “Don’t they realize that I OWN them? I think it’s time they found out who their boss really is!”

Bill called up his cronies. His cronies called their friends. As one they hired attorneys and jumped into the fray. One by one they called the politicians they paid off, forcing politicians on both sides of the political fence to attack the IRS and start shoving new laws through the pipe to not only make the IRS stop, but to pass laws that prevented the IRS from trying to make them pay their fair share in taxes ever again. They also decided to punish the IRS for stepping out of line. Budget cut after budget cut caused the little agency that could to stop challenging Bill and his cronies whenever possible.

While the words I have written here are fiction, simplified for understanding and dramatized for effect, these words are roughly based upon a true story. This is the story of how the rich are using our money to manipulate our nation in their favor. This story is about one aspect, about how Bill and his friends manage to bully our government to get out of paying taxes, but they also use these same tactics to make our national leaders dance like puppets on a string.

Check into the donation records of every single politican in Washingington, and you will find evidence of how they buy our nation’s officials. Bill and his cronies make large donations to campaigns, knowing that these politicians will repay the favor whenever Bill and his buddies pick up the phone.

It doesn’t even stop in Washington. Up and down the political chain, from the smallest town to our national government, Bill and his friends are doing this. If you’ve ever looked at your mayor or sheriff and wondered how they managed to win their office, follow the money and you will find out. They’ve yet to make many of the campaign contributions private so you can still track them to a degree.

This is the sad reality of the United States. What was previously considered the “greatest nation in the world” is being turned into a puppet regime.

We can fight, we can scream, we can protest until the end of time and this will not change. The only thing that will happen is that we will be labeled as extremists and hauled off to jail as a terror threat.

But there is one way we can stop them. The method is completely legal, ethical, and non-violent. If we cut off their food supply, if we stop giving them the money that they need to buy our politicians, they will lose their ability to control our country. By removing our money from their pockets, we will cause their businesses to fail.

Even if you buy one less item from them, it helps. Even if you start patronizing one local business instead of the Big Ones, it helps. Even if you just keep the TV you have or the computer you have or the clothes that you have or the phone you have, it helps. Because every single one of these decisions places another nail in their coffin.

Our current business model considers a business to be a failure if it cannot show an increasing profit year after year. Our economic model is based upon exponential growth. Stop that growth, and they die.

If you are tired with the way things are in our nation, if you are tired of the rich growing insanely richer while the rest of us struggle, if you are tired of living in a nation that has turned into a puppet regime, then I hope that you will join us.

Use what you have.
Stop buying new.
Ignore their advertising.
Stop feeding the monsters.

~#~

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The Television Adventure

When I eliminated my television back in 2009, I had no intention of acquiring another. I was perfectly content using my computer to stream videos or watch DVDs, so I thought I would have no reason to bother.

Katie disagreed. As everyone knows, my beloved daughter is not a minimalist. She works hard and shops with the same enthusiasm. I do not judge my daughter for this; she has the right to earn and spend her money as she pleases.

So when Katie came home one afternoon with a television in her arms, I shrugged and went on with my life. She wanted to watch movies and play games in her room and had decided to do just that.

I didn’t think about that television much. I watched it with her once a year, the day after Christmas, when we have a tradition of pigging out on clearance candy and watching Forrest Gump.

But then one evening after helping a friend move she came home with yet another television. Her friend had an extra that was larger than Katie’s and had gifted it to my daughter as a ‘thank you.’ Katie was delighted as she showed it to me; she could watch her videos on a larger screen thanks to the generosity of her friend.

My only question was what she intended to do with her old one.

Katie didn’t even give me the opportunity to ask that question. “As soon as I hook it up I’ll give my little one to you,” she announced. “It’s about time you joined the modern age and watched TV like normal folks!”

Oh geez.

That was how I found myself the proud owner of not only a small television but a Roku as well. She helped me hook it up and handed me the remotes with a smile.

I didn’t know how to work the remotes. The last television I owned didn’t have one. What the hell was I going to do with a television when I didn’t even know how to work it? I kept my thoughts to myself, thanked her profusely, and pretended to be happy with the gift.

That television sat in my room for a good six months untouched. I didn’t know how to work it, wasn’t motivated to try, yet I couldn’t bring myself to part with it because my daughter had loved me enough to give it to me. Eventually I realized that the situation was bordering on the ridiculous so I sat my butt down and figured it out.

Televisions have changed immensely since I last bothered with one many years ago. They do things now that I find amazing. I started out watching YouTube videos on the thing and eventually added one of those gadgets that play ancient video games and in time complemented it with a cheap DVD player.

It would save wear and tear on my computers, I reasoned.

As I developed the habit of watching a movie before bed, I realized that I could reduce my reliance on Facebook and the Internet if I had a way to capture the open air broadcasts from local news stations. I like to keep up with local news but I have a weakness for reading the comments. There was a problem with this, however. In order to capture the signals I needed to purchase another device and I was too cheap to spend the money.

That changed last night. While I was out to purchase some groceries, I stumbled upon a little antenna for $5. After asking the workers a few questions, I decided to give it a try.

It took several attempts but I managed to stick it to a window to gain reception. I fiddled with the remote, pressing random buttons until I finally found the proper menu and I managed to pick up a few channels.

For the first time in over a decade I watched the eleven o’clock news without losing myself in the comments section.

I feel as if I have stepped into an alternate reality. I can press a button and watch the news when it comes on instead of waiting for the highlights to go online. I don’t have to worry about my Internet going out when bad weather arrives. That’s an issue in my tiny area.

Part of me feels guilty for buying another gadget. Part of me feels odd because I am no longer part of the Minimalist Crowd that looks at televisions with disdain. But if I am going to allow others to live life on their terms, then that gives me the right to live on mine. The television was free, the antenna was $5, and now I can rest easy during storms. I can also use the device to play music when I slip a CD or MP3 DVD into the player I acquired, which means that I can shut my computer off entirely sometimes. I can even play games from my childhood, which I have discovered is a wonderful way to clear my head.

This little adventure has made me realize that change can be a very positive thing. It has made me realize that I need to abandon my comfort zone more often. It has also made me realize that if I embrace the older technology that I abandoned in the past that I can reduce my reliance upon the Internet. The world will not end if Annie cannot connect. To be honest, if I could teach myself to check email, respond to comments, and go offline after I upload my daily blog post, I would probably be better off.

I would definitely have more time.

If you happen to have a television (or manage to acquire one for cheap or free), you may want to consider buying one of those little devices that allow you to pick up stations for free. You would not only eliminate your cable expense, you may be able to drop some of those online movie subscriptions you pay for. They have a range of them, designed to pick up channels of varying distances from your home, so take care not to purchase until you find one that is powerful enough for your needs. The $5 one I purchased covers a 25-mile radius – just enough to watch the news, which is all I wanted. This is what the box looked like:

And always remember – minimalism is about living life on your terms, not the terms that some “expert” living out of a thousand-dollar laptop says you should live. You have the right to keep anything in your life that you find useful or gives you pleasure. If those experts want to judge, send them to me. I will be happy to show them what spot on my anatomy they can kiss.

So keep the old record player if you use it. Watch your DVDs. Play your cassettes and your VHS tapes. Wear the clothes you have in your closet. It is far better for the world if we use the things we already have anyway.

~#~

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The Soap Rebellion

I’ve spent the past several days discussing the big picture that surrounds us but the reality is that some of the most effective rebellions take place at home. When we make changes in our personal life and use those changes as talking points to teach our friends and family, over time people begin to listen and make changes of their own.

I’ve noticed this over the past decade as I walked the path that led me to today. People who used to condemn me, who called me insane to my face are now slowly making changes as they start to emulate my practices. Relatives now announce that they are culling their clutter. Friends come to me for advice on financial matters. Readers email me for similar reasons and I strive to help every one.

One by one the people around me have discovered that my particular lifestyle allows me a freedom that they cannot conceive of and have given me the honor of assisting them as they make their first steps to freedom.

I follow a simple plan to accomplish this feat. I listen to criticism, acknowlege their concerns, and do my own thing regardless.

And now it is time for a story.

When my Katie left for the Navy I didn’t expect her to return quite so soon. I started arranging things in my life to suit myself rather than continue the compromises we had made over the years.

One major surrender I made to maintain peace in our home concered liquid soap. My daughter loved it. I hated it. I felt that it was wasteful to spend a dollar or more on a product that was mostly water when one could purchase a small multi-pack of bar soap that would last longer, have a lower impact on the environment, and cost less as well. I grew up on bar soap; there’s nothing wrong with it except for the fact that companies prefer the higher profits they receive when we are persuaded that liquid soap is better.

That was why one of the first things I did after my daughter left was chuck her bottles of liquid soap beneath the counter and replace them with bars. I would have them available whenever she would visit but otherwise I was free to follow my conscience. My wallet agreed with this decision.

When my daughter returned from the Navy after being injured in BASIC I faced a quandary. Did I go back to our old way of doing things when I really didn’t want to?

I decided to experiment with a compromise instead.

I left my bar soap in prominent display. Beside those bars I placed the containers of liquid soap that my Katie preferred. When she asked, I explained the reasons that I preferred bar soap over liquid. While I would not try to force her to switch to using bar soap, I would continue to use my bars. She was free to use whatever she liked but when we ran out of liquid soap, the burden of restocking the stuff would be up to her.

I’ve refilled the bottle by the bathroom sink once in the months since that announcement. Little by little I noticed her use of it waning. I can no longer recall the last time it was low; after that first refill the bottle has sat mostly unused.

Every time I look at that bottle I have a little chuckle. My daughter has now began to experiment with different brands of bar soap as she searches for one that she likes. She has even mentioned that we might want to consider switching to bar shampoo because that would help the environment as well.

It can be a challenge to live a simpler lifestyle while we are surrounded by people who don’t share our views, but if we do our own thing while allowing them to do theirs, in time they will not only experiment, but come around to our way of thinking–at least to a degree.

This is why it is essential that we live life on our own terms. We may not make a difference in the world as a whole, but we do start to create ripples in the fabric of the society that surrounds us. Create enough ripples, and those ripples will merge to become a wave.

That is the only way to create a lasting change. That is the only way that we can stop the progress of the monsters. If we buy less, if we reveal to others that we’re buying less and explain why, in time others will pay attention.

So pick a monster and stop feeding them. It doesn’t really matter which monster; just pick the one you dislike the most. Tell others why you are doing what you do and ignore their calls to stop. Use up the things you have. Spend less. Focus on the things that are important to you and don’t be shy about that fact.

Between us all, we can start to move mountains. It just takes courage and a bit of patience.

Has your decision to live on less inspired others to do the same? Please share your stories in the comments below.

It is hypocritical to run a website about buying and living on less while begging your readers to buy your crap so I refuse to do it. That said, I live on the money I receive from book sales, so if you can find it in your heart to pitch in I would be immensely grateful.

~#~

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Minimalist Revelation

I awoke this morning with a surprising revelation. Aside from food, I no longer buy much.

At first I thought I was over-reacting so I looked at my purchase history for this past year. I didn’t spend even $500 last year at Walmart and they were my primary online ordering outlet.

Once every month or so I would order a bag of pet food, add some food or household items to achieve the $35 amount for free shipping, and that was it. While I did visit the local Walmart store twice last year, even factoring those two occasions in I spent under $500 total.

I did order several books that I could not attain locally, but I typically ordered used copies through Thriftbooks. The majority of my splurges were at three local restaurants and one local coffee shop. All of those are completely local establishments.

I don’t spend near as much money as I thought I did. Certainly not enough to make a difference in the grand scheme of things. The largest purchase I made last year (aside from my investments) was a gadget I purchased used from my daughter. She had purchased an iPad Pro to replace her aging laptop, discovered that it would not meet her needs, and offered it to me at a sizable discount so she could purchase another used laptop instead.

I had believed that I had been quite profligate with my purchases over these past two years, so to discover that the majority of my spending was on food and household supplies is quite the shock.

I looked back even further. I didn’t have all of my records, but it was fairly easy to calculate. I can look at anything I’ve acquired since I’ve lived in this little house and recall where and when I purchased it. The conclusion is glaringly obvious after that inventory: I stopped spending money after my experiment with extreme minimalism. Since I currently feel as if I own too much, I suspect that the experiment affected me more than I thought.

My little $500 I spend at Walmart each year is a drop in the bucket compared to the $7,000 the Walton family earns in a single minute. I doubt that they will even miss that tiny amount. Still, that’s one less bottle of fancy champagne that they can buy so I will have to be content.

I wonder what would happen if we all embraced minimalism. Most people spend a lot more than me; I spent a lot more than I did before I began this path. If we all just started buying less, would that make a difference in the world of the monsters?

And who am I to complain about how large they’ve become when I drastically reduced the amount I give them over a decade ago?

This makes me wonder if I could make more of an impact by simply encouraging people to spend less overall rather than to boycott individual companies. Regardless, my little blog is invisible in the face of the big name frugality and minimalism blogs out there. Does it matter what I do, since my refusal to promote this website limits my reach?

I don’t have the answers to my questions. They are heavy on my mind, however, so I thought I would share them with you today.

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The Art of Recovering from Disaster

A friend’s house caught fire over this past summer. He was at work. By the time the firemen departed, the house and its contents were destroyed. My friend was gutted. He’d not only lost everything he owned, he’d lost his trusted companion, a pet he’d had for almost a decade.

He took some time to grieve and then started the process of recovery. He rented a new place and began anew.

We can all learn from my friend. While disasters take different shapes and forms, the sense of pain from the loss is the same. With the right mindset, we can turn that loss into an opportunity to recreate ourselves from the ashes.

I started that process yesterday. By releasing the burden I’ve hidden for almost a year, I wiped the slate clean.

I had a good cry and then asked myself “what do I do now?” I found the answer in my friend.

It’s time to pick my butt off the floor and start over.

I knew that this was coming. I fought against it. I tried every trick I knew to how to try in an attempt to avoid my reality. I didn’t want to sacrifice the beliefs I’d held for a lifetime. I didn’t want to surrender to the madness. But ultimately I am a survivor, so I refuse to let what I learned defeat me.

I have no power to change the world. I have no power, no authority to do any damn thing but eat and shit and die.

I can work with that.

You see, I may not be able to change this world but I can change myself. I may not be able to change this world but I can control the choices I make and the things I do. I may not be able to change the world but I can go into the long night content with the knowledge that I did what I could.

“If you find yourself confronting an unjust and corrupt system, it is much more effective to learn its codes from the inside and discover its vulnerabilities. Knowing how it works, you can take it apart – for good.”

– Robert Greene, The 50th Law

I have fifty years of experience in how this world works. Corporations convince us we are lacking to persuade us to give them our money. They use the money we give them to further their own purposes; their purpose is to make the rich richer by draining the rest of us dry.

To stop that scenario is simple. To stop the corporations from draining us dry we have to remove the source of their power.

The only way to remove their power is to stop giving them money.

The milennial generation stumbled upon this truth some time ago. They stopped giving their money to support certain industries. When those industries felt the blow to their pocketbooks, they began to scream with pain. Do a search for “industries milennials have killed” if you want to read the details.

I may be old and uneducated but I’m smart enough to see from the evidence that the process works. I’m humble enough to learn from their experience so I have chosen to follow their example. I may not be able to execute it perfectly but if I can arrange to give the monsters less, I can help starve them out in some small way.

I’ve already began that process. Instead of following their instructions to buy new clothing, I have chosen to use what I already own until it falls apart. Instead of following their instructions to discard the excess clothing I have thanks to the little washer I own, I placed the items in a box for future use.

The longer I can go without buying clothing, the less I will feed the monsters. Even better, there will be less clothing entering our landfills. That is a wonderful bonus.

For far too long I’ve fallen for the lie that I needed to look and dress a certain way. The only reason they want us to look and dress in a certain way is because it makes them richer. In the end, as long as we’re clean and our bits are covered, the details only matter to them.

We have a surplus of clothing in our thrift shops. We have tons of clothes rotting in landfills because of their programming. I may not be able to change that reality but I can refuse to participate in it.

Is there a way you can stop feeding the monsters? Please share your stories in the comments below.

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We Should Practice What We Preach

I stopped exploring most of the minimalism, simplicity, and frugality blogs on the Internet these days. As a general rule, they fail to practice what they preach so I find them offensive.

The first thing you see when you click on one of those blog links is a giant popup. “Sign up for my mailing list and I’ll give you this piece of advertising disguised as helpful information for FREE!” When you sign up to make the popup disappear, your inbox will be flooded on a regular basis with advertising. “Join my class! Sign up for my FREE webinar so I can talk you into paying money for this class, this app, or whatever it is I’m selling!” The variety of methods that they use to persuade you that you NEED to give them money is not only impressive, it is disgusting.

When you finally manage to dispose of the popup, you are then forced to read their content, content that is disrupted by ads as you scroll down if they don’t break it up into a slideshow format designed to force you to click several times and view a bunch of more ads.

Even worse, when you get to the content, what do they do? They review different products and services with the intent of persuading you to BUY.

Seriously, you don’t need to buy MORE crap. You’ve already gotten more than enough for your needs. If you happen to be visiting those sites, chances are that you’re so broke that you can’t afford to buy them anyway.

But they do this. They don’t care how poor or broke you are. They don’t care that you’ve got far too much stuff already. All they care about is emptying your wallets a little bit more.

It’s not about helping you; it’s about enriching themselves. Check into the private lives of many of these people and you will discover that they make more money (and live at a higher standard) than a poor person can even comprehend. How can they possibly have your best interest in mind when they don’t know what it’s like to be so poor that you have to cook a pot of beans just to eat that week? How can they possibly understand the challenges that they don’t have to face because they make so much more money than you?

See, it’s easy to buy a new gadget when you’ve got the money to spare. And it makes sense to them to spend dollars just to save a few pennies because that’s how they were trained. Even if they weren’t conditioned to purchase things that won’t really save money in the long run, they have realized that if they can persuade you to buy these things that they will have more money in their bank.

And the only way to tell them apart is if you see them practice what they preach.

An excellent example of this is Marie Kondo. I refuse to link to her site in disgust for her actions. I used to like her; I found her logic as related to eliminating items that didn’t “spark joy” to be refreshing.

Until she showed her true colors, that is.

I wasn’t bothered by the fact that she started a show about her particular brand of minimalism. I was grateful for that because it helped to spread the word that people as a whole need to thin out their stuff. I was glad that she managed to find a way to do that and make a bit of money in the process.

But then, after she preached and preached about the need to thin down and eliminate, what did she do? She released a whole line of stuff that she wanted you to BUY.

REALLY?

How does that even make sense? If you needed to buy something, you sure as hell wouldn’t be tossing your perfectly serviceable stuff away, now would you? How can you speak out of one side of your mouth to tell people to throw their shit away then open the other side and tell them to BUY?

It is hypocisy in the strictest sense, spurred entirely by greed. She doesn’t give a shit about you; all she cares about is filling her bank account. She doesn’t care that you’re poor and broke and overwhelmed; just toss out your shit, buy her crap, and suffer through the overdraft fees when you discover that the shit you’ve kept has worn out before you’ve managed to save up enough money to replace it.

Why do you think that I’ve refused to offer classes? Why do you think that I’ve refused to create a mailing list? Why do you think that I’ve patently refused the offers I’ve received to market tee-shirts and other items to you? Why do you think that I live in the Hood and dine on Ramen instead of filling this website with ads?

I do it because I actually practice what I preach. I do it because this is about more than filling my bank account. I do this because I’ve seen a problem with this world and with the ways we’ve been taught and I want to fix it, even if I have to starve in the process.

While I’m not starving (don’t worry), I have deliberately made choices not to market to you because I believe that you’ve been marketed to enough. I have deliberately made choices that have affected me financially because I believe in what I tell you and I live my life based upon those beliefs every single day.

It enrages me that there are bloggers and writers and so-called frugality experts preaching to you that you need to toss the shit you already have and buy their shit instead. And there is only one way to stop that. It’s the exact same way you can remove the power and control of the corporations who have taken over our nation.

Stop paying attention to them. Stop buying their stuff. Stop paying for their classes. Stop encouraging them to market to you and they’ll eventually go broke and be forced to quit.

When that happens, the ones who will be left standing are the ones who truly practice what they preach in regards to simplicity, minimalism, and frugality because they’ll be the only ones with the skills to know how to live on less. They will be the ones who will do the work for free, not because they don’t need money to live on (we all need that), but because they feel that the message is more important than profit.

Those are the people you want to support, because those are the people who truly want to help you.

So think twice before you stick your email into their popups. Think twice before you buy their classes, click on their ads, or buy stuff from their product lines. Because to them, you are nothing more than an income stream.

For the record, you can find some of my ebooks listed for free on the torrent sites. If you’re broke, feel free to download them. I know that they’re there, because I’m the one who uploaded some. I’ve given out scores of my books for free to readers who emailed me and shared that they wanted to buy my books but didn’t have the money.

I do this because this is about more than the money to me. This is about the fact that people are poor and broke and struggling and they don’t know where to turn. This is about the fact that I’ve struggled my whole entire life, and I don’t want to see other people facing that fate.

I want to make this world a bit better place.

I can’t predict the future. I don’t know if I’ll be able to afford to do what I do without acquiring a job for the long term. And that’s okay. That’s okay because this is about more than me. This is about helping you realize that society is broken, and the only way to fix it is to stop feeding the monsters.

It’s time for me to stop ranting for now. I’ve a house to clean and a book to write. If I can be of service to you don’t hesitate to email or comment. If you find my posts helpful, please know that even the shortest comment helps increase my ranking on the search engines. Sharing my posts with your friends helps to get the word out as well.

Please help me do that. Thank you.

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A Private Revolution

Sometimes the most horrible revelations can teach us. Yesterday I was presented with the reality of our world. The image of a man who was somebody’s dad, who reminded me of my dad burned its way into my soul as I read about the treatment he received from the nation I called home.

There is absolutely nothing I can do to change the past. I can’t change what happened to that man and many others any more than I can change what has happened to others who have suffered similarly over the course of history.

There is not even very much I can do to change the future. I am just one tiny old woman in a great large world. Aside from trying to encourage change, I have no right to even push because it would violate the moral code that I hold dear.

I can do something, however. I can reach down deep inside of me and use the knowledge of this current reality to change myself. Hopefully, by sharing the things I have seen and the changes I personally make my personal revolution will go a bit farther.

As someone once instructed me, if you want to understand the purpose behind a thing, all you have to do is follow the money. I thought they were being silly at the time but the older I get the more I realize that they are right. Money is the primary reason so many do the things that they do; the pursuit of money infects all of us if only because we all need it to survive now.

The poor make the money with the sweat off their brow. The rich take that money by enticing the poor to part with it in any way that they can. While the poor just want enough to lead a comfortable life, however, the rich have gotten to the point where they want to collect money just because.

My personal issue is in the fact that our society has gotten so unbalanced that the rich are removing the ability of the poor to just survive. They use their money to promote agendas that on the face seem to be aimed at protecting us but when you examine them on a deeper level, you realize that the only ones they want to protect are themselves.

It has gotten to the point in our society that even the placid farmer has began to rebel. When John Deere decided to force farmers to pay outrageous fees by citing “intellectual property rights” and so forth to eliminate their ability to repair their own tractors, these farmers began to fight back. Some of them have went so far as to hack the computers in their equipment rather than bow down to their draconian rules. Others have decided to eliminate modern farming equipment entirely by purchasing and rebuilding older, non-computerized equipment.

Rebels within the trucking industry are doing the same. Rather than comply with new rules and regulations that are destroying their livelihoods, they are now opting to purchase rebuilt older rigs instead of buying new vehicles. A friend of mine drives for a company who rebels in this way. The owner of the company he works for believes that once self-driving vehicles advance a bit more that they will force him to shut down his business. His plan is to conserve his funds as much as possible so that he can retire once his livelihood is gone. My trucker friend is planning the same thing.

The beauty within the rebellions of the farmers and the truckers lies in the fact that they’re not really trying to save the world. They saw a problem that affected them and started voting with their money to make a difference.

We can all learn from that. If we see a problem with the word in general or our lives in specific, we can stage our own personal rebellions by changing the way that we spend our money. We can choose not to support the things we do not believe in by voting with the money we spend.

With this in mind, my dilemma at the moment is pet food. I order their food online but I have yet to locate a smaller company that can supply what I need at a price I can afford. Do I continue to switch between Amazon and WalMart when my supplies run low, choosing the one that offers the brands they like when I don’t want to give my money to either of them, or do I locate another path?

I would like to find another path. I haven’t found it yet, so I will order as little as I can at the lowest price in the meantime. The animals prefer Purina and 9 Lives respectively but I am willing to switch if I can find a viable alternative that they will eat.

Do you have any ideas?

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Washable Puppy Pads

We live in an age where so much of what we use is disposable. We are expected to buy these items, use them once, then toss them away for new. When we do this, however, we not only contribute to the landfill problem, we also give our money to corporations that not only avoid paying taxes, but use those funds in advertising designed to mentally manipulate us into buying even more or even worse – encourage our politicians to pass laws that favor them and not the populace they are supposed to represent.

Some of these items we need, so how do we arrange our lives to reduce the amount we spend?

I encountered that challenge a while back. One of my dogs has grown quite old and has to go potty rather frequently. I had resolved the issue by purchasing puppy pads in bulk but then it occurred to me that there must be a way to not only reduce the amount of money I spent but be more environmentally responsible. I may not be a perfect example of resource conservation but I do like to reduce my environmental impact whenever it is possible.

Examining the purpose of puppy pads, I realized that there wasn’t much difference between them and the pads placed beneath the elderly or the young. There are reusable pads that are designed to be placed beneath incontinent people, pads that can be washed many times before they lose their effectiveness. I reasoned that if these pads were effective with incontinent people, then they would be an effective substitute for the disposable puppy pads in the market today.

If I could teach my dog to use them, that is.

I purchased a four-pack of these pads, selecting a size that would allow me to wash them in my tiny washing machine. It would increase the amount of laundry I had to wash, but would eliminate the need to purchase disposable pads on a regular basis. Even better, the money I spent on my water bill would go to help my local community instead of a major corporation.

I started out by placing these washable pads on top of the disposable pads that my dog was accustomed to using. As she started to select the washable pad, I slowly swapped out the disposable ones until the washable pads were all that she had available.

It worked like a charm.

I use a bit of water and electricity each day to wash the pads. Every morning I replace the used pads with a fresh set and toss the dirty ones in my washer. It takes a bit of work but in the months since I started this experiment the pads have held up well. I expect to receive a few years’ use from them before I have to consider the purchase of replacements.

The trash we generate has reduced as a result of this experiment. I no longer have to dispose of plastic-lined pads on a daily basis. The water I use is cleaned through our local water treatment plant. It isn’t perfect, but I do believe that my impact on the environment is lower due to this decision.

I especially like the fact that I have eliminated the need to give a major corporation my money on a regular basis. A single pack of these pads cost considerably less than a year’s supply of disposables; considering how they should last for several years with a bit of care I have dropped that expense by at least half.

If you have older, incontinent pets or a puppy that has yet to be housebroken. If you are one of the many who are forced to leave your dogs alone for hours at a stretch, I urge you to consider this option. It will not only allow your animals to relieve themselves in a safe place when you cannot take them out as often as they need, it will reduce your burden on the environment and allow you to save money as well.

Have you considered non-disposable options for the disposable items that you use each day? Please share your stories in the comments below.

EDIT: I have received a request for the link to the pads I purchased for this experiment. Here is the link if you are interested. They don’t have these available in local stores so I had to go with Amazon: https://amzn.to/301u5nu You may be able to make them yourself if you have the skills that I lack.

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How to Handle Leftovers

It is important to minimize waste to not only conserve money but to reduce that amount that we spend. This becomes even more important in circumstances where we are forced to purchase items from corporations whose actions we disagree with. We may be forced to give them money but we can at least limit the amount we give them.

This was in the forefront of my mind when my daughter brought home a rotisserie chicken the other day. The animal had been raised on a factory farm, no doubt, and the place she purchased it isn’t exactly known for how they treat their workers.

We devoured the animal on the first day. By the second, all that remained was a small pile of bones. The bits of meat were far too small to pick off individually yet there was enough remaining that I felt guilty about discarding it. That animal sacrificed its life to provide us with food; the least I could do is honor that sacrifice by using it up completely.

I placed the remains in a pot, filling it with water. I gave thanks to the animal as I set the pot to boil. Once the meat had separated from the bone, I sifted through it, preserving as much as I could. A little while later and we had a small pot of chicken and dumplings, light on the meat.

Those actions managed to extend my daughter’s gift for two more days. Those were days that we did not have to purchase more food. Our bellies were full, our wallets were spared, and there was no waste to dishonor the animal’s sacrifice.

It breaks my heart to see good food tossed in the trash because someone prepared too much. I find it disheartening when I see perfectly usable things discarded in the trash without thought. This is something we can fix, however.

If we place a bit of forethought into the meals we prepare we can estimate how much we will eat before we begin cooking. If we normally prepare a number of sides, we can limit the amount of sides we cook to minimize waste. Just because our mothers insisted on several sides with every meal doesn’t mean that we have to follow that pattern. We live in an age where food can be quite expensive so it pays to conserve where we can.

This applies even if we have the means to grow our own food. It takes time and money to cultivate a garden and raise animals for slaughter. Even more importantly, it is a tragedy when we waste.

Even the smallest scraps of food can be saved. Meats and vegetables of all types can be made into soups that will last for several days. When we begin to practice this conservation, we will find our grocery expense dwindling.

If anything, the thought of reduced sales at the mega-corporations can enhance our enjoyment of the feast.

As I write this I am enjoying the leftovers of another meal. I won’t cook again until it is gone. There is no point. Besides, I feel better using up the things I currently have than I do when I discard those things to buy new.

Don’t you?

How do you feel about leftovers? What do you do to use them up? If you don’t like leftovers, what steps do you take to prevent waste from occurring? Please share your thoughts in the comments below.

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Is it Socially Acceptable to Save Money?

As I look back upon this year, I realize that the majority of the criticism that I’ve received concerns how I choose to spend (or not spend) my money.

Among the things I’ve been told:

I should rent or buy a bigger home.
While I’m here, I should spend money painting and decorating my current home, despite the fact that I neither own this place nor intend to live here forever.
I should purchase more clothes, despite the fact that I have more than enough.
I should definitely go to college, but I should go to a more expensive school in order to acquire a “better” education–to earn more money.
I really “need” a car, despite the fact that I don’t go anywhere.
I “need” a high-paying job.
I need to invest in a modern, high-end computer since I love them so much.
I need to buy (insert item here).

These criticisms are usually framed in a back-handed way in an attempt to mask the criticism:

“I admire how you want to live a simple life, but you really do need to get a bigger place. It’s ridiculous that you sleep in the living room.”

“I understand that you want to save money, but would a bucket of paint kill you?”

According to the people I interact with, I “need” to acquire a larger home so that I can have my own bedroom. I “need” a traditional cook stove and a standard-sized refrigerator. I “need” to toss my perfectly serviceable kitchen table and replace it with new. I “need” dentures, new clothes, matching dishes and many other items.

When I ask why I “need” these things, I’m informed that I’m depriving myself or given long-winded speeches that are hard to decipher.

Why is this? Because I’m definitely not depriving myself. I’m content exactly where I am.

Is it because my life is so different from others that I receive this criticism?

Is it because they believe that I am secretly judging them?

I don’t have any answers to these questions but when combined, it makes me wonder if it is socially unacceptable to avoid spending money to keep up a certain appearance in our society. It makes me wonder if we’re programmed to own certain things, to spend our money in a certain manner not because we care about the items in question, but just to fit in.

I asked a friend about it once over this past year. She informed me that we need to own a certain amount of stuff, of a certain quality because it tells the world that we are doing “okay.”

Why do we care what the world thinks?

More importantly, who gets to decide what we buy or don’t buy?

Could this be why so many people are struggling in our society? Could it be that we are programmed by social pressure to own things that are meaningless in the grand scheme of things to the point where we jeopardize our financial security just to acquire them?

As we conclude this decade, I would like for you to ponder this situation. Have you ever felt pressured to acquire something or live a certain way, to spend money that you wouldn’t ordinarily spend?

If you removed the social pressure, how would you live? What would you spend your money on? What would you stop spending money on?

In short, why do you buy the things that you do? Please share your thoughts in the comments below.

Has Consumerism Tainted Minimalism?

Minimalism is the act of eliminating the unimportant in order to make room for what is important. That seems simple enough at first glance. However, a deeper look at the subject reveals that there may be a darker force at play.

From The Minimalists to Marie Kondo we receive advice to throw out or donate our old stuff. It doesn’t matter if the items are perfectly functional or if we could use them up in time. These things contribute to the chaos in our lives so they must be eliminated.

But what happens to the things that we discard? Many of us, either through impatience or lack of time simply throw these things into a dumpster. Others who realize that it only passes the problem on to our overburdened landfills choose to donate the items instead.

And what happens after the house is clean and simplified? The things we choose to keep eventually wear out, forcing us to purchase even more. In some cases we may go on an acquisition binge that doesn’t stop until we find ourselves overwhelmed with stuff again so we repeat the process by eliminating even more.

Who benefits when we throw our perfectly functional stuff away, only to replace it when we wear out the items we actually keep? Our wallets certainly don’t but the companies that produce the items do.

Let’s ask another question. What would happen if, instead of discarding our excess, we placed a moratorium upon future purchases until we used up the items we already own? Who benefits the most from that scenario?

Our finances would benefit because we’ve stopped buying stuff we don’t need. Our finances would benefit again because the act of using up and wearing out our current overstock of possessions would eliminate the need to buy more for an extended amount of time. The landfills would benefit because we wouldn’t send things there until the absolute end of their useful life. Donation centers would even benefit because it would reduce the amount of donations they have to sort through and discard in the search for saleable items.

Big Business wouldn’t benefit, however. Their sales would go down because we wouldn’t purchase near as much. The clothing industry would take a major hit because they could no longer persuade us to buy the newest fashions. Even the appliance and electronics industries would feel the pain because instead of buying “newer, bigger, and better” we would hold on to the things we already owned instead of discarding them for new. The only industry that might benefit from this new paradigm would be the storage industry—until we used up our excess to the point where we no longer needed the storage, that is.

While minimalism in the short term may benefit us with clean homes and empty spaces, the questions I’ve asked above make me wonder about who truly benefits in the long run. It makes me re-think my decisions in the past to discard the things I’ve discarded.

This also makes me wonder if my grandparents were smarter than I gave them credit for. They used the things they acquired until those items died and then recycled the pieces into other things to extend the usable life of their purchases even further. I’m beginning to wonder if we all need to start doing that.

To be honest, I would be surprised if I discovered that there was a conspiracy to encourage us to throw away our stuff just to entice us to buy more. That said, I do believe that we need to rethink our actions when it comes to the pursuit of minimalism.

What do you think? Please share your thoughts in the comments below.

The Power of Lowballing Your Finances

The most important step in attaining financial freedom is cutting your expenses to the bone. I don’t care what the “experts” say, it is a hell of a lot easier to come up with a few hundred dollars each month than it is to come up with a few thousand.

A friend of mine reminded me of this when we began to discuss retirement. He shared his dream of building his passive income sources to $6,000 a month. While he only needs $4,000 a month currently, he wants to add some extra padding to his passive income flow in order to cover any cost of living increases during his retirement.

I don’t need that much money.

That is why I was able to quit my last job at the drop of a hat. It is also how I was able to become a stay at home single mother to my youngest daughter–a feat that everyone told me was impossible.

If you want the freedom to live life on your own terms you will pay attention to this.

In order to live at a comfortable minimum I need around $500 a month to cover my expenses. That means that I only need to have $16.67 a day coming in to meet my expenses and have some money to spare. To give you an idea of the difference that makes, my friend would have to find a way to earn $200 a day if he lost his job tomorrow.

Which one is easier to accomplish: $16.67 or $200? More importantly, if you were to lose your job tomorrow and had only $1,000 in savings, which path would allow you to take your time to locate another position?

Do the damn math, folks.

The greater your living expenses, the more you need to earn just to survive and the lower your chances of replacing the income from a public job with passive income sources. In fact, the higher your living expenses, the harder it will be to find a job that pays enough to keep body and soul afloat. If your living expenses are low enough, you will be able to pay your bills in almost any economic climate. You want proof of that? I can work a part-time job at minimum wage to earn more than enough to live on. In comparison, my friend would be screwed.

You listen, and you listen well. We live in a tumultous age. The jobs we know are in the process of being replaced by machines and yet despite that, our cost of living keeps increasing. I saw the first signs of this back in 2009 as corporations downsized to protect their profit and sent droves of people to the unemployment lines. I have no doubts that it will happen again.

If you want to protect yourself, the time to prepare is now.

The lower you can take your expenses, the greater your ability to survive.

I won’t belabor the point. I’ve already written a book on how to live on less so if you want to do the smart thing you will read it. I’d recommend other books if I could but I haven’t encountered anyone who lives on less than I do to brag about.

I pray that you heed my warning before it’s too late.

The Sock Rebellion

I cannot remember the last time I purchased socks. One day I realized that I owned far too many pairs and decided not to purchase any more until the ones I owned wore out.

It is finally starting to happen.

This morning I grabbed a pair out of my bin to discover that both socks contained holes. As I examined them I realized that I could read my computer screen through the heel of the pair.

It is finally time to let them go.

It is amazing to think that I’ve owned a pair of socks for close to a decade. If a pair of cheap socks will last that long, why do we so frequently purchase new?

More importantly, what else are we discarding before it reaches the true end of its life?

This makes me wonder just how long it will be before I wear out the clothes I currently own. In the months since I placed a moratorium on clothing acquisitions, my wardrobe has barely budged.

How much of what we’ve been spending on clothes has been a waste of money? I mean, if a pair of socks can last a decade, how long will a tee-shirt or a pair of jeans hold up if we resist the urge to replace them?

Heck, I’ve got a zip-up hoodie here that I purchased back in the early 2000’s and it’s still going strong.

So why are we still buying clothes if our closets are overflowing and the ones we already own are still functional?

It’s definitely something to think about.

What’s the oldest item of clothing that you own and still wear? Please share your stories in the comments below.

Financial Surprise

It is amazing. One day you decide to quit your job. You’re concerned about your expenses even though you know you’ve got it covered.

But then you pay your bills and you realize:

Your bills have plummeted.

This frugalista has just realized that she was spending over $100 a week just on food and other things while she was away from the house.

That’s a bit embarrassing.

Category: Frugality

Supply Chain Concerns

Blast From the Past

The Perception of Minimalism and Thoughts About the Economy

How to Plan for an Uncertain Future

How to Survive the Coronavirus Pandemic Without Bathroom Tissue

What are Family Cloths?

Hesitations About Using Family Cloths

How to Begin Using Family Cloths

Step One – Preparing the Family Cloth Bucket

Step Two – Placing the Family Cloths

Step Three – How to Use Family Cloths

Step Four – How to Wash Family Cloths

Notes about using Family Cloths

Further Reading

Katie the Coupon Queen

The Story of Bill

The Television Adventure

The Soap Rebellion

Minimalist Revelation

The Art of Recovering from Disaster

We Should Practice What We Preach

A Private Revolution

Washable Puppy Pads

How to Handle Leftovers

Has Consumerism Tainted Minimalism?

The Power of Lowballing Your Finances

The Sock Rebellion

Financial Surprise