The little things

Erin E.

Last night I dreamed I booked a trip to the Bahamas. The nightly rate of $35 at the beautiful resort was all-inclusive, and as I checked in they handed me a plate of shrimp that had been prepared by my personal chef.

Now that would have been quite a way to spend my sixth wedding anniversary with Noah (which was on Saturday), but quite unfortunately I’ve yet to find a five-star resort in the Bahamas with a $35 a night rate. Trust me, that’s what I’ve been doing all morning.

Instead, we celebrated by going to a local minor-league baseball game, and our team won.

Yesterday also happened to be my birthday.  We celebrated that by going to a movie. We saw Eclipse, and had a grand time whispering and joking about all the silly bits, which are many. And to cap it off, we bought Twizzlers and caramel corn to snack on.

Lately I’ve found it’s the small indulgences that mean the most. The caramel corn and the joking around. Or yesterday morning, when my two-year-old and I spent an hour in our little blow-up pool. A $50 check in a birthday card or a new outfit feels like a bonanza.

And I only had to quit my job and cut my income in half to start enjoying the little things.

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A small kind of accomplishment

Erin E.

So our new washer and dryer are being delivered tomorrow morning. I never thought I’d feel this amount of excitement over appliances, but it’s sad what constitutes a thrill when you’re one half of an old married couple. Actually, it’s only sad to those on the outside looking in, and by sad I mean pathetic. But I don’t care. Two words: FRONT LOADING.

The thing about getting a new appliance is you’ve got an old one sitting right where the new one’s supposed to go. Most major retailers offer takeaway service along with installation (bargain for free takeaway and installation if you can’t get them to come down on the price!).

But then I got sentimental, as I always do when Change Is In the Air. I didn’t want to send our old faithfuls out into the mystic void (I’ve been reading this book, The World Without Us, and I learned that there’s no such thing as a mystic void; it’s called the ocean). So what if the washer lid slams shut if you don’t caress it a little and gently let it down? Who cares if we had to jimmy an old broom between the dryer and the wall to get it to quit making a weird noise? They still got the job done. They’ve still got their looks, for the most part.

There are a lot of options for donating stuff you don’t need or have room for anymore. The usual suspects are Goodwill and the Salvation Army, whose proceeds of the sale of donated items help those in need. But I wanted to go one better. I wanted to know that our washer and dryer—those unsung heroes who toiled countless hours cleaning our soiled linens!—would go to somebody who would view them as a small blessing.

In fact, those appliances were a small blessing for Noah and I when we first got married. They had belonged to his brother who was moving out of state, and we inherited them to the cheery tune of “Give My Regards to the Laundromat.”

I called the local battered women’s shelter.* The employees I spoke with were so grateful and kind, I was actually embarrassed. I knew it’d feel good to give a big if uncool gift to someone in need, but I certainly didn’t feel like I deserved the gratitude they gave in return. After all, I was an inch away from letting random delivery dudes cart them off into the great unknown like they were doing me a favor.

I know a little about the women’s shelter since Noah has taken some victims there in the line of duty (he’s a police officer). The shelter’s location is highly protected from public knowledge; in fact, everything about what they do is discreet and under the radar. I was told by a lovely employee named Manda that their pickup person would come by on Monday and deliver the washer and dryer to the (undisclosed) location of a woman who was moving out over the weekend.

For reasons of safety, I won’t be able to meet the woman inheriting the washer and dryer. But I want her to know that this gift, meager though it is, has been given in hopes that it’ll afford her even just a micron more of much-deserved freedom.

Maybe my excitement isn’t so pathetic after all.

*There are many other often-overlooked places that could use such direct donations. Men’s/homeless shelters, halfway houses, local food pantries, city/county family and children’s services, foster and children’s homes, no-kill humane societies, free clinics, Ronald McDonald houses, etc. Goodwill and the Salvation Army are excellent institutions, but don’t forget about your local not-for-profit organizations providing invaluable services on a shoestring budget.

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College loans: Like wrangling a herd of cats

Erin E.

My family weren’t Cat People when I was growing up—in any sense of the word. Not only did we not regularly dress with whiskers and fake tails a la Cats, felines didn’t get anywhere near our house thanks to my mom’s unreasonable and inexplicable cat phobia.

When Noah and I first got married, we adopted twin kitties (the aforementioned Sophie and Zoe). I’ll admit they made me a bit skittish at first. If you’re not used to living with cats, its not unlike trying to welcome a standoffish ghost into your home. Doors will slowly open for no apparent reason, things will go missing off dressers and tables, yet you must leave offerings of food out for them to sample at their whim.

All this is to say, managing student loans is a lot like managing a herd of cats. Don’t expect to be friends, and good luck getting them to do what you want them to do.

Forthwith are my strategies for wrangling cats and student loans:

  1. Know how many you have. I learned this one the hard way. If you’re complacent, student loans will come out of the woodwork like a stray to a bowl of milk.
  2. Find some identifying mark to tell them apart. Student loans might look similar, but they can be very different. Private loans have much higher interest rates, and some government loans accumulate interest before your repayment period begins. It’s important to know what kinds you have to better manage them.
  3. Consolidate when possible. Cats have a funny way of multiplying in a household, because they don’t appear to me much trouble at first blush. Don’t be fooled. Pare those suckers down whenever you get a chance. Similarly, it’s easier to manage student loans if you consolidate. However, consolidating private and government loans together will often yield a higher overall interest rate, so watch out.
  4. Tend to the smallest one first. Now this is a matter of opinion, but those big cats, sorry, loans aren’t going anywhere anytime soon.  They’ll often overshadow any smaller ones you might have. But if you take care of the small ones first, you can get rid of a few payments early on and feel a sense of accomplishment.
  5. Don’t ignore them. A student loan in default is about as fun as a cat left alone for a week. Both will wreak havoc on your personal life.

Any other tips out there? Strained cat-loan comparisons not necessary.

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We saved our cat by acting like squirrels

Erin E.

So a few days after we adopted our new puppy, one of our two cats went missing. Sophie showed up on our doorstep two days later with a terrible gash in one of her back legs.

I took her to the vet, where she had to have a minor outpatient surgery. The conversation went something like this:

Vet: Sophie’s going to require some stitches.
Me: Oh no! Okay.
Vet: She’ll have to be put under anasthesia for that, so we need your consent.
Me: Oh. Okay.
Vet: And we’ll need to do some blood work before we put her under, which will be $87.
Me: So what you’re saying is we should consider euthanizing?

Only joking, of course. But I was certainly glad we had a little money squirreled away—it just so happens, her vet bill was almost to the dollar what our landscaper had quoted us for fixing the drainage problem in the backyard. So the backyard will have to wait.

I’ve learned to be much more patient, although I still wouldn’t characterize myself as long-suffering. Tasting a little bit of financial freedom, even on a tight budget, makes living life without a lot of debt a much more enjoyable endeavor. If we were spontaneous, unplanned spenders, we wouldn’t have had the money to get Sophie fixed up without dipping into savings.

According to my calculations, she still has about six lives left. Hopefully we won’t have to go through any more of them before getting the yard squared away.

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How far would you go for dough?

Erin E.

Noah is a police officer, and being a police officer means he can work off-duty providing security or traffic control for a variety of businesses. This practice of off-duty work is called…a hustle. Isn’t that hilarious? But true!

Noah never did work many hustles when our son was tiny. I was working full time and needed all the parenting assistance I could get in between his shifts. Lately, though, since he’s been working more regular hours as a police educator in elementary schools, I’ve been open to the idea. And then when I left my job, I advocated the idea. ;)

We’re lucky that Noah can pick up extra work fairly easily from month to month. For us average Jane and Joe Civilian, though, a second job might not be so easy to come by. Heck, a primary job is a rare commodity these days it seems. And yet juggling multiple jobs isn’t uncommon, particularly for folks who haven’t chosen a specific career path or whose circumstances require as much.

Which leads me to my question: Do you or have you ever held down more than one job? If not, would you consider it? And why?

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Getting out

Erin E.

In addition to recently cutting out our underused cable service, we’ve been finding other ways to enjoy our free time that don’t put a dent in our budget. And mooching off my parents is only one of them.

Some of these things require an initial investment, so to speak. For instance, bike riding. Last fall I completed a sprint triathlon and lived to tell the tale. One good thing I gained from the experience—aside from new knowledge of previously underused butt muscles—was a bike. I went to a local bike shop, consulted with one of their experts, and spent a couple hundred dollars on a Specialized hybrid bicycle. A couple of months later, Noah bought one too. Biking: not just for kids! Or be-spandexed semi-pro cyclists!

Now, though, we get some great exercise riding nearby bike trails and around our countrylike neighborhood. And Ethan, our two-year-old, absolutely loves sitting in his CoPilot Limo bike seat.

Another great investment was our membership to the zoo. Not only are you supporting the care and rehabilitation of animals—and at our zoo, the development of a huge, free-range habitat—the membership pays for itself after just two visits. Bring a picnic lunch, and you’ve got a day of fun and learning and enjoying beautiful weather for almost nothing.

Camping is another thing we’ve begun to enjoy as a family. (Noticing a trend? Outdoors!) We picked up some pretty decent camping gear on sale, and the cost of a campsite is fractional compared to a hotel. We haven’t worked up the guts yet to do a whole vacation with a tent for our home base, but it’s definitely something to consider three seasons of the year: For some added adventure, you can camp near a cool city or the beach and majorly cut costs while—as I learned reading Calvin & Hobbes—building character.

Any ideas for minimizing family entertainment costs while maximizing fun?

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Ode to the frugal

Erin E.

I love coupons. But not in the way some people love coupons—you know, the kind who buy the Sunday paper just for the coupons? Who have a filing system for their coupons? Heck, you might be one of those people. I salute you!

For me, a coupon is more…elusive. Like a little unexpected prize in a cereal box, or a quarter on the sidewalk. When I find one that works for me, I feel like the universe is rewarding me for good behavior.

In short, I love coupons, but I’m not good at taking advantage of them.

On more than one occasion, I’ve remembered I have 50 cents off a $3 loaf of bread at the last second, and laughed at myself as I watched my $100+ grocery bill drop by .02%. I think coupons really only count when you have a lot of them.

What I have gotten better at, though, is discount shopping online. I’m an absolute sleuth when it comes to tracking down coupon codes for online purchases, or sniffing out the lowest price for an item I want. One of my go-to coupon code sites is RetailMeNot.com, but Google “coupon codes” to see dozens upon dozens of options.

Oh, and if you’re like me, your family is scattered across the country—and maybe the world. You can track the rise and fall of airline ticket prices (to your date/time specifications) at Yapta.com. This site is fantastic if you want to fly, well, anywhere.

If you’re a trendy lady with champagne tastes on a Pabst Blue Ribbon budget, check out Frugal-Fashionistas.com. This blog takes celebrity looks and mimics them with affordable yet stylish alternatives—and provides links to where you can buy those items.

Still, I’d really like to get better at using coupons the old fashioned way. I imagine there’s little in life more satisfying than walking away from the store knowing that, although it took 20 minutes for the checker to scan those 72 coupons while other customers gave you dirty looks, your cleverness yielded the greatest of all American privileges: Discount merchandise.

So please, if you’re a coupon user, share your wisdom. Any tips and tricks?

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  • Ashley (March 18, 2010)

    Hi, Erin. I have started “extreme couponing” out of necessity and now do it out of pleasure! It’s a little rush to think “ha! I never pay full price for anything!” To do it effectively, I follow couponing blogs, such as southernsavers.com. They routinely list grocery ads for various stores and then list the coupon matchups and which paper they were in. It does a lot of the work for you! Also, I’ve been able to do this successfully without even buying a paper. I get coupons from other people who get papers who don’t use them or only cut out a couple. You’d be surprised what you can get if you ask around! It was important for my husband and me for me to stay at home with our two boys. That means only 1 income, and a school teacher’s at that. Plus, we’re trying to get out from under an enormous student loan. With couponing and gardening, I buy all our diapers, pull ups, food, and household supplies for $160 a month. Good luck!

  • Miranda (March 11, 2010)

    Thanks for the Fashionistas site! There is also a blog that I like to visit every once in a while called “Fashion Under $100″ (http://www.fashionunder100.net/) where trendy/celebrity looks are put together for under $100.

    I will DEFINITELY have to check out the Yapta site. I’m always flying back and forth for family purposes.

  • Bobby J (March 11, 2010)

    I have three apps on my iphone that I love to use for coupons/shopping. The first is Yowza!! http://getyowza.com/, which provides coupons to you based on where you are (GEO location). So if you are at the Mall, it will serve up discounts at Mall stores, etc. The second is RedLaser, http://www.redlaser.com, which allows you to scan a bar code on almost any product (groceries, toys, etc) and it will tell you where you can buy that item for the least amount of $$, with directions and distances to other stores provided. The last of my little shopping apps is called CardStar, http://www.mycardstar.com, which holds all of your frequent shopping card info on your phone. It is so easy to use, and eliminates the need to carry your Grocery Store, Best Buy, Gas Card, Pet Store, Book Store, Drug Store, Frequent Flyer Card, etc. in your purse or wallet. It automatically pulls up the required bar code, and works great! I really recommend all three of these if you are a frugal shopper.

Instead of just planning, make a plan to give

Erin E.

A few years ago, my husband’s aunt and uncle gave us Dave Ramsey’s Total Money Makeover. They had been in tremendous debt and used his methodology to become completely debt-free.

We took a few key lessons from the book, including how to create a cash flow chart for our family. But something else that stuck with me is Ramsey insists that charitable giving should be a planned expense that cannot be compromised. Of all the things in our budget that would be easiest (and has been easiest) to cut is charitable giving: In theory, it’s totally optional, so if we don’t do it, nobody will know. It’s not like skipping your mortgage payment; nobody puts a notice on your front door when you briskly walk past the Salvation Army Santa at Christmas.

And it’s especially easy not to give when there’s no actual person if front of you, asking for help.

I recently recorded an essay I wrote at the WFDD studio—our local NPR station. It was a fantastic experience (and they just so happened to be airing an interview with SimpliFi co-founder Brian Link at the time) but it really hit home how small an operation local public radio is, and how hard the dedicated few work to produce important programming. Public radio relies on donations to stay afloat. I realized how much I get from WFDD, and how little I give in return.

Certainly this is just one small, but important, example of why charitable giving is important. Friends who have lost children urge me to support the March of Dimes; my mother-in-law, dealing with a recurrence of breast cancer after almost two decades, is raising money for breast cancer research. A friend from high school, recently diagnosed with MS, is walking to support the National MS Society.

Part of why giving can be hard to prioritize is because you just don’t know where to start. My advice? Look around at your friends and family. You’re almost certain to find a cause.

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Scheduled fun

Erin E.

I recently ran into a very nice young mother who invited me to a MOPS meeting—mothers of preschoolers. The group meets twice monthly and twice weekly for play dates. I can see how this is a great resource for parents, especially those who stay at or work from home. But it also got me thinking: How much scheduling should I do for my kid, and at what cost?

At this age (he just turned 2) my son isn’t involved in any “extracurriculars.” We’re waiting until he has some curriculars to begin with and an opinion on the issue to boot. Still, I’ve already started thinking about what he might be interested in and what kind of equipment those interests would require. Sports uniforms and shoes, instruments, art supplies…

When I was a kid, I didn’t do anything. I mean, I didn’t do anything that couldn’t be done with stuff laying around the house. I entertained myself. I played baseball in the backyard with my brother and Dad. I drew pictures on the back of data sheets my dad brought home from work for just that purpose. It wasn’t until I was a teenager that I became a competitive Irish dancer, and boy did that cost my parents some cash.

Still, it seems that previous generations didn’t invest in expensive activities for their kids, nor did they pay tutors or private coaches to prep their kids for college and a hoped-for future in professional sports. Parents didn’t used to have a part-time job chauffeuring their kids around town, or so I’m told.

So I’m wondering, what did you do for fun as a kid? And what you’re willing to do—or pay—for your kids’ extracurricular pursuits?

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  • Kay (March 11, 2010)

    As a kid I had much more freedon than my children do. I played outside all day in the summer, only checking in once or twice in 6-7 hours. I am the mother of 3 (18, 14, and 7) and this would not be acceptable behavior for them. As parents today we have different safety issues than our parents did. I was allowed to travel alone to places I needed to go. My children cannot do that therefore I am chauffeuring them to their various activities.

  • Mrs. Doubtfire (March 5, 2010)

    I have a nearly 3 year old daughter, so I can relate to your thoughts regarding
    “extracurriculars”. Life is full of finding balance and I think I’m going to approach
    my daughters extra curricular activities the same way. I am going to encourage my wee one to try everything: sports, drama, art, writing etc etc and hopefully she’ll find something that she has a passion for. At that point, I will
    invest as much as needed so that she can enjoy her passion to whatever level
    she wants.

    On a related subject, I coach a youth soccer team, so I certainly know how much parents spend on sports for their kids, and I think that for the most part it’s ridiculous how much it costs. As adults we have really taken the fun out of kids sports by adding too much cost and our egos into the mix. Kids sports should be exactly that “KIDS” sports.

Anywhere the wind blows

Erin E.

We live in a semi-rural area: We’re just 10 or 15 minutes from all the major necessities—the mall, for instance, and Walmart—but our housing tract is built on what used to be a very large horse farm. We have rolling hills and large lots.

One of our neighbors is from eastern Europe, and she has a habit of hanging her wash out to dry between two enormous oaks in her backyard. I find this to be charming. Having an Irish grandmother who lived with my parents ever since I was young, I have fond memories of playing amid the fresh linens on our washline in the backyard.

But not everyone likes seeing our neighbor’s laundry.

Of course, hanging out laundry is a great way to save power. It’s natural, it’s cheap, and it leaves your clothes and sheets with the fresh earthy scent of the great outdoors. And if you’re like me, seeing a crisp white shirt flapping in the breeze makes you feel warm and fuzzy inside.

So here’s the burning question: Air your dirty clean laundry, yea or nay?

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  • slamdunk (March 2, 2010)

    When most of the homes were built in our neighborhood, there was a homeowner association with rules against many things including hanging clothes on lines outside.

    Our home was a new construction and the home owner’s association was long gone when we moved in so it was odd to see our adjacent neighbor’s hidden clothes line between our houses.

    We have not done it, but live in an area with a large Amish population so clothes hanging in the yard (ok, mostly black and white) is a common scene.

  • The Bug (February 26, 2010)

    We’ve been apartment dwellers for MANY years so this wasn’t an issue for us. But this past summer we moved to a house. I didn’t have time to worry about laundry while we unpacked. But all winter I’ve been considering whether or not I want to go to the trouble to set up a clothesline in the back yard & use it. I have lots of things I don’t dry anyway – why can’t they hang out there? This does NOT include our underwear – that would go in the dryer.

    I have no idea how our community feels about it, but I think it’s definitely greener. I’m ok with it!

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