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Leave The Boom And Bust Cycle Of Life

By Frugaling 13 Comments

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Stock Market Photo by Perpetual Tourist - Flickr

Growing up in two market bubbles

I was 10 years old when the stock market entered an epic gurgle and burp. The technology bubble was well underway. As a child, I couldn’t help notice the daily papers’ coverage. Cisco, IBM, and Microsoft were going to stun the world, and a wealth of startups were making groundbreaking achievements through the Internet. Stores were moving online — people could buy stuff from their couches. And the market loved it.

Then it all came crashing down. Without profits and expected cash flow, companies petered out. They couldn’t sustain their losses, and the market was late to the realization. Nonetheless, as soon as people began selling the tech sector, stocks were doomed. The NASDAQ collapsed over a one-year period. While some had benefited from the meteoric rise, many failed. They chased moneyed dreams. The market had become a ponzi scheme of sorts, and the burst annihilated portfolios.

Average Joe’s and Jane’s across the world were affected. Money disappeared from pensions, IRAs, 401ks, and regular old investment accounts. Suddenly, people’s spending reduced — sour from massive losses and concerned about financial futures. People cut back because their ability to save and earn was jeopardized.

Putting the past behind us

Over time, these booms and busts are held in reverence. Ah, remember the market crash of 1999-2000? How about Black Monday? Oh, and how about the Great Recession of 2007 to 2009? Those were the days, right?

We try to put these events behind us and focus on the future. Some may say, “We’re long past those idiotic dreams and bubbles. We know better now.” We treat these as abnormalities — one-off events. The mavens repeat their mantras to calm the masses: “Timing is your friend. The market will recover.” But we never fix the underlying, systemic problems; thus, the cycle continues: boom and bust after boom and bust.

Wallets eventually open again. The economy eventually “bounces back.” In time, market optimism returns because consumer discretionary spending increases. Stocks get bid up again. And while we hope another bubble never returns and convince ourselves that a lesson was learned, something in us remains. We are still humans — the ones who caused the bubble in the first place.

That mentality to save every penny in crises fades like the hangover of a party best forgotten. We get excited again, and invest in financial instruments that some “guru” recommends that make little sense to us. We convince ourselves that we know better than to fall into some scam or trap. Eventually, the price of stocks becomes too expensive to sustain their momentum — for whatever the reason — and the roller coaster plummets.

Boom and bust cycles are everywhere

Even beyond the stock market, various points in history talk about cutting back and saving. For instance, the entire country rationed gasoline, coffee, and other necessities for those in combat during World War II. Our sacrifices would win the war. Our rationing would help others in need. And our country helped us collectively achieve this goal. These were frugal times. But after World War II ended, the country entered one of the largest economic growth spurts of all time. Production was enormous and the largest generation followed: the Baby Boomers.

California Drought Map

More recently, an epic drought has swept over California. Crops are unable to grow and farmers are being asked to cut back on water usage. Without rain and irrigation, this might be one of the worst seasons for the West coast. Every time you look at the map of California it’s bright red for “exceptional drought.” There isn’t another level dryer, unless we’re forced to create it.

This exceptional drought has led to more brush and forest fires. People and their homes have been threatened. The state has fought bravely against these disasters, and many are pitching in to conserve and ration their precious water. Smartphone apps have been created to rat out neighbors who are using more than necessary. Residents are being asked to let their lawns brown. Certain crops and foods (i.e., almonds) are being targeted because of their excessive water needs.

The city of glitz and glamour, Los Angeles, has been a focal point for conservation. Rivers are non-existent and the heat bakes the surface. Many celebrities have extolled the value of cutting back, too. But everyone is wondering whether California will be able to weather this drought. What if the rains never return in full force? What if the land stays perpetually scorched? How long could this exceptional drought really last?

At many points in history we’ve done well rationing, scrimping and saving amidst tragedy. We come together and embrace each other as humans. We work together to move beyond struggle. And we ultimately have overcome every major concern we’ve ever faced. But over time, humanity has a painfully ironic inability to hold back and resist the urge to spend and splurge. We seem to perpetuate feast or famine — unable to live in moderation and within means. If history repeats itself (and it does), then we will likely see California boom again if the rains return. People will resume their previous water usage and restaurants will once again drop off full glasses of water without asking first.

Five ways to weather any storm

From the stock markets to droughts to wars, the booms and busts are everywhere. If we admit that we have a cyclical problem, the question becomes, What can we do about it? The following are five rules to follow a middle path in times of tragedy and prosperity:

1. Create a rationed budget

At the heart of saving more and spending less is a good budget, but what if you lopped off $100, $200, $300, or more each month? What if you pretended that the money was gone? In modelling the potential new budget during a tragedy or bust cycle, you can see the depths of your budget. If all else failed and suddenly made less each month, how would your spending change? How would your savings change? How would you cut back? The essential aspect to this thought experiment is actually going forth with it. Enact the rationed budget and see how low you could go. Pretend that the crisis is here, and save for better times. Then, if a problem occurs, you’ll follow a path of moderation.

2. Spending shouldn’t change based on market optimism

It’s easy to get swept away in the good times. People buy enormous houses, $1 million vehicles, and gigantic yachts when the market is doing well. Success looks like materials, so people buy in. To weather storms, spending cannot cave to market swings. Consistency is key. When others start buying wildly and race to the top, you should be thinking about where you’re spending too much.

3. Saving shouldn’t be limited to tough times

Saving money and concentrating on safe investments should always be a first priority. That priority shouldn’t waver or change amidst good times or bad. Tough times are the hardest time to save, actually. Think about it, if times are tough, you’re clearly strapped for cash. Save in the windfalls, booms, and busts. Again, to find the middle path amidst the excitement and tragedy, you need to calmly continue your savings.

4. Don’t trust market makers and commentators

Turn on CNBC and your brain will instantly accommodate talking heads’ suggestions. Their swanky ties, expensive suits, beautiful sets with technology galore, and impressive lifestyles can be captivating. I’ll be the first to admit that being able to eat at wonderful restaurants, travel the world in a jet, and drive a fast car sounds intriguing. But those market makers and commentators are selling a life that is temporary and not available to everyone. I will never own a jet or drive a Ferrari. Why would their advice and financial “expertise” help me? They live in a different category of human. Try to avoid their messages, as it can help you stay frugal.

5. Find a greater purpose/sacrifice to motivate modest lifestyles

Modest lifestyles can be challenging. It means eating out less, owning less, and looking for ways to invest and save every extra penny you have. But doing any of these things means bucking a system that encourages spending everywhere you go. Walk out the door and you’re bombarded by places to go, see, and spend. It’s easier to listen to these messages. To have a lasting, rationed budget or save more, you must find a higher purpose and reason to dig deep. Saying you get to live modestly through booms and busts isn’t enough. For me, I recognize that climate change is directly affected by my consumption behaviors. That changes my behavior. Additionally, I hold powerful regard for time to be peaceful, calm, and at rest. I value time over money.

We can leave the boom and bust cycle. We can protect ourselves and those around us, too. Create a rationed budget, and live it. Spend less than those around you. Save more than you thought you could. Don’t waiver as others panic or lavish themselves. Lastly, find a higher purpose that’ll motivate you when the going gets tough.

Filed Under: Minimalism, Save Money Tagged With: Boom and Bust, Budget, Business, California, cnbc, Conservation, Drought, Market Crash, Rationing, Stock Market, stocks, Tech Stocks

Congregation Without Consumption

By Frugaling 31 Comments

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Mall of America

I often felt lonely growing up. Sometimes it was by choice, sometimes by consequence. Whatever the case, that aching feeling would hit me – I’d want to move, do, fix, and solve the discomfort. Isolation and loneliness prompted me to go out – to frequent places with people.

Unfortunately, people tend to congregate at locations of consumption. You can see it in families taking weekend trips to the mall to walk, eat, and shop. The window shopping and actual shopping make people feel purposeful.

When I’d be down and out, I’d find comfort in the smiling faces of store clerks and fellow shoppers. People were happy to be buying and selling products. The light shined brighter. Smells of candied nuts and pretzels wafted around. And hip music reverberated through the stores. I felt happy for a moment.

From the outside, it seemed like everyone won. Unfortunately, that’s not the case. Conspicuous shopping and browsing can lead to debt, overdue bills, and lessening credit scores (not to mention great environmental harm). There’s a psychological cost to this repetitive reinforcement, as well. The visit makes us happy, and we want to return to duplicate and relive these positive feelings. The purpose is in the purchase. Without the purchase, who are we? Without the mall, where does positivity stem from?

When I first started saving money and becoming more frugal, I didn’t notice my removal from society’s consumptive catches. There was this new purpose to live within my means. That seemed to be enough. I was able to share my journey on Frugaling, too. But over time, I started to feel this lump in my throat. The social outings to spend money at restaurants, go to movies, and frequent trips were severely reduced.

That feeling of loneliness crept back in. With each effort to save, came losses in social situations. As much as I tried to build in free time with friends that was actually free, I realized that it was challenging.

We all want to consume and spend and travel and adventure. There’s excitement and energy in all these activities, but too frequently, there are direct costs associated.

We each need to establish a balance in our lives where we are spending within our means, while achieving our needed social connection with others. To sacrifice the latter may mean suffering greatly and failing to maintain long-term frugality. Suddenly, the endeavor is unintentionally punishing.

To combat and bolster our social support, connection, and integration, we must embrace congregation without consumption. These are the moments circled around a board game, watching a movie at home, cooking at home, biking, running, swimming, etc.

If frugality is a philosophy and way of life, we must define our methods for staying sane and healthy. It should never stand in the way of healthy psychological functioning and connection with others. To say “no” to social gatherings that need money is a tremendous way to save, but costs something more than dollars and cents. There’s a social factor that cuts deep – for both parties involved.

Staying connected and frugal requires proactive planning. The initiative is on you – for better and for worse – to suggest events without a price tag. We are all in this together, but someone needs to start the trend. Longer term, our society must find new homes for purpose and energy with others – something beyond the brightly lit walls of malls.

Now, the important question becomes, Where will you spend your weekend?

Filed Under: Minimalism, Save Money Tagged With: America, Consumption, Frugal, frugality, Mall, Psychology, saving, Social, spending, Support

A Married Person’s Guide To Love And Frugality

By Frugaling 39 Comments

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Frugalwoods with dog

Today, I’m excited to share with you a guest article from a fellow frugal writer, Mrs. Frugalwoods. She writes under a clever moniker at www.frugalwoods.com. She details her journey to financial independence and a homestead in the woods with her husband and greyhound, Frugal Hound. I asked her to share how marriage, as opposed to my singledom, could actually help you stay more frugal. Please enjoy and comment!

Marriage has turned out to be an extremely frugal endeavor for Mr. Frugalwoods and me. It wasn’t our original intention (there was no mention of “frugality” in our vows, though in retrospect I wish there had been…), but it has absolutely been our experience.

Marriage = Efficiency

Being married is like having a lifelong roommate, who you love, and with whom you can share all your stuff. Two people, one bed; it’s the ultimate exercise in efficiency! Over the six years of our marriage, we’ve discovered we can share just about everything other than toothbrushes and clothing. We have one house, one car, one dog, and one bottle of shampoo; although, come to think of it, we do have separate deodorants, which is probably for the best.

‘Til Death Do Us Spend

In addition to owning less — by virtue of sharing so many things — we also spend less. We were both pretty frugal before we got married, but our union compounded those tendencies. I’ve found that Mr. FW’s efficiency-oriented frugality has rubbed off on me and likewise, my creative money-saving schemes have influenced him. He convinced me of the merits of simplifying life and I’ve educated him on the ways of thrifting and great trash finds.

The man is now a certified expert in scoping out excellent roadside treasures — last summer he toted home an entire box of free glassware he found by the side of the road. I was so proud. We brought different frugal strengths to the table and by learning from each other, our frugality is now unstoppable.

Frugalwoods
The Frugalwoods mascot, Frugal Hound. 🙂

Being partners in every sense also means that we work in tandem on all aspects of life instead of paying people to do stuff for us. I’ve discussed how we insource everything from house cleaning to Frugal Hound bathing to changing tires to home repairs to cooking and more. But since we’re in it together, the labor is distributed between us. And since we’re working side by side, the labor is actually quite pleasant.

That’s another fabulous secret of marriage: when you enjoy collaborating with your partner, even the most banal tasks become fodder for humor and pleasure. We cracked ourselves up to such a degree while at Costco last week that I thought they might kick us out of the store. What can I say, we have a good time and the canned fish section is frankly hilarious (Cod in a can? Come on, you would’ve laughed, too!).

We also insource our own entertainment. Being old, boring married folks means we love staying in on Friday nights (it’s pizza night after all!), snuggling Frugal Hound, and watching movies (until I fall asleep… circa 9pm). Our entertainment costs decreased rapidly after we got engaged and have continued to plummet. We’re big believers in going on dates — we just happen to do them cheaply. Free days at museums, hiking, walking Frugal Hound, romantic dinners at home, Costco trips apparently… we find plenty of ways to entertain ourselves for $0.

Shared Financial Outlook

More important than our practical applications of frugality (say through our $0.39 rice-and-beans lunches) is our shared financial outlook, which guides how we’ve decided to structure our lives. Mr. Frugalwoods and I feel incredibly fortunate that we found each other and evolved together into the frugal weirdos we are today.

Our united approach to money enables us to pursue our goal of quitting our jobs, reaching our version of financial independence, and moving to a homestead in the woods of Vermont in 2017 at age 33. To facilitate this, we’ve attained an aggressive 71% savings rate (not including maxing out both of our 401Ks). I can say with confidence that neither of us would’ve had the discipline or vision to achieve this by ourselves.

Without this mutual long-term ambition, we’d be adrift and untethered in our overarching aims. But having our future homestead on the horizon keeps us both on the same page and happily operating on frugal autopilot. Plus, we get to have hot finance dates during which we review our spreadsheets and whisper sweet nothings about safe withdrawal rates in early retirement. Told you it was steamy!

The Ease Of Joint Finances

Communicating openly about our finances for the duration of our relationship has fostered an environment in which we trust one another implicitly. Thanks to this trust, we’ve been able to streamline and combine our finances.
For us, having joint finances is about both efficiency and respect. It’s easier on a daily basis to dip into our communal pot for paying the mortgage, buying 6-lb cans of garbanzo beans (we have a mild obsession with homestead hummus), and ordering Frugal Hound’s toothpaste. It’s also a reflection of how much we respect and trust one another — we have no qualms about combining our resources since we know the other person approaches money with the same frugal worldview.

If one of us was dramatically more or less frugal than the other, I think we’d be in for a challenge. Communicating about financial goals, or what we’re comfortable spending, could become a tense encounter involving guilt and accusation. Mr. Frugalwoods and I aren’t identical in our beliefs, but we are aligned in the core tenets of frugal optimization, minimalism, and spending only on the things in life that matter most to us.

Financial Checks and Balances

We provide a system of financial checks and balances for each other. Talking through potential purchases helps us identify our priorities and realistically determine what we actually need and what’s merely a want. When we decided to buy an electric blanket earlier this year (yes, we live on the wild side), we discussed and researched options together, which made us both feel bought into the process.

Anytime Mr. Frugalwoods wants to buy a new beard comb/tool/kitchen implement, he talks to me about it. This type of communication doesn’t stem from distrusting each other, but rather from the respect we both have for the other person. We apply this team-purchase approach to everything from socks to our future homestead.

By engaging one another in every purchase we make, we continually create opportunities to check in with each other financially. These frequent conversations (sometimes about things as mundane as a bag of sweet potatoes) ensure that we don’t resent one another’s purchases or, more crucially, drift apart in our view of money.
When I accidentally broke Frugal Hound’s toothbrush last week (no clue what happened, I swear, the thing just snapped), instead of immediately ordering a new one on Amazon, I talked to Mr. Frugalwoods. And sure enough, he had an idea: why not try using a human toothbrush we’d gotten for free from our dentist. Guess what? It totally works in a dog mouth.

I realize this doesn’t sound like an earth-shattering discovery–after all, doggie toothbrushes are only $7.29–but, it’s a perfect reflection of how ingrained our shared spending habits are. Plus, we don’t buy much stuff, so I don’t have a whole lot of recent examples ;). It’s second nature for us to consult one another on even the smallest of purchases, which makes our conversations about the biggest ones (ahem, a homestead on 20+ acres of land) follow the same familiar, successful framework.

Marriage Made Me A Minimalist

Ok maybe not a fully fledged minimalist, but a whole lot closer than I was before. Prior to Mr. FW’s good influence on me, my life (including both possessions and brain) was cluttered. I owned too much stuff and I was stressed about way too many things. Mr. Frugalwoods, on the contrary, owned perhaps too few things (he had a mattress on the floor without even a mattress pad, people) and had too little stress. I quickly introduced him to the concepts of proper bedding and home decorating. See how helpful I was in adding to his stress levels? 🙂

Mr. FW brought me around to his way of thinking: it’s liberating not to be owned or defined by your stuff. He also helped me let go of caring so much about what other’s think. I’m still an imperfect work in progress on both of these fronts, but I can say that minimalism of both the mind and the physical space has been wonderfully freeing for me.

And as for Mr. FW’s mattress on the floor, we now have a comfortably (albeit minimally and almost entirely from Craigslist) furnished home. Mr. FW often remarks on how cozy our home is, which makes me beam with pride. Some things, like bed frames, are just worth the expense.

Frugality Is Good For Our Relationship

Parallel to the balance in simplicity that we brought to each other’s lives is the benefit that frugality has had on our relationship. By stripping away the distractions of lifestyle inflation and the endless pursuit of more stuff, more experiences, and more “needs” on the consumer carousel, we’ve been able to focus on what matters most to us. As a result, our marriage has flourished under frugality.

We’re no longer distracted by what the media or neighbors are saying we should own, do, or feel. Instead, we’re focused on what we want out of life and how we can make the world better in our own tiny way. Our homestead plan wouldn’t exist if we were still bogged down by the consumer rat race. It’s only through extreme frugality that we’ve been able to take stock of our lives and realize that we’re not fulfilled working our full-time jobs and that what we truly desire is to work side by side in nature every day.

I’m deeply grateful that frugality opened my eyes and forced me to be honest about the direction of my life. It allowed me to push aside the pointless preoccupations of image, wealth, and success and instead devote myself to my dream of building a life out in the woods with Mr. FW.

Parting Thoughts

For Mr. Frugalwoods and me, our marriage is integral to our frugal worldview. Our frugality has reached new heights thanks to our combined efforts, and as a result, we’ve reaped the benefits of simplicity and focus within our relationship. To go this journey without shared goals would be tremendously difficult and would likely make our wildest dreams unobtainable. But together, we’ve been able to eliminate the noise and acknowledge what we want our lives to encompass. We’re frugal, content, and aligned in our vision of the future.

How do you communicate with your partner about money?

Filed Under: Minimalism, Save Money Tagged With: dog, Frugal, frugality, Frugalwoods, homestead, hound, marriage, married, Minimalism, partners

Be Your Own Brand Ambassador, Not Someone Else’s

By Frugaling 13 Comments

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Buy things you don't need with money you don't have to impress

Please don’t make me wear the banana costume

My first job was for a smoothie company. I worked that summer selling overpriced juices of all sorts. One day they asked me to put on the infamous banana costume. I could immediately feel my face redden with embarrassment. I dreaded the outfit, and couldn’t understand why the company dressed employees like this and traipsed them out into the blazing summer heat to give away samples.

I was a lowly employee and only 16-years-old. I pretended to embrace the outfit and marched out the doors. I walked along the sidewalk, as passersby laughed and mocked me. It was the height of my acne days, too. My was face reddened and cracked from medications. The banana outfit framed my puberty perfectly. Then, a friend from high school strolled on by and took a picture of me. I was mortified.

A logo was emblazoned onto the banana costume, along with the polo shirt I wore underneath. The smoothie company owned space on my body, and I hated it.

Brand ambassador programs pay you to promote

When I entered college, I noticed numerous job opportunities to become a “brand ambassador.” These positions afforded students a little spending money to promote companies on campus. Marketing realized a simple idea: peers sell product better than television and Internet ads. If you can buy the peers, you have explosive earnings potential.

Both Amazon and Apple, for example, have brand ambassador programs. Oftentimes, their students are required to hold campus events, meet with administrators, and directly appeal to students on campus. They’re are expected to wear merchandise to represent the brand, use the hardware, and promote the products every chance they get.

These people get paid to use and advertise products they would already love! Then, companies benefit from greater revenue and influence on campus. It’s a win-win for companies and ambassadors.

Many of us market for free

Most of us are brand ambassadors for free; in fact, we pay companies to advertise for them. The bitten Apple logo beams brightly throughout many classrooms these days. It cost me thousands of dollars for the pleasure to share that brand.

People casually display their affinity, and few notice what they’re doing. Sperry Topsiders are paired with Ralph Lauren shorts and a Lacoste polo shirt. It’s easily a $300 look that feels like a walking billboard for spendthrift teens and college students.

iPhones are close at hand, and the iconic white headphones are jammed into ear canals. The world is dampened, but our senses are constantly exposed to others’ purchases. Ugg boots used to be everywhere — they’ve been replaced by Hunter rain boots. Both have well-positioned logos at the heel. Anybody walking behind them could see what they should buy next.

In wealthier places — whether college campuses or metropolitan areas — products are meant to be aspirational. Companies work tirelessly to frame their wares as synonymous with success. To wear and promote a brand is meant to be special — only afforded to the few.

Diesel, Armani Exchange, Coach, Gucci, and countless others are made “cool” by a society that accepts and loves brand ambassadorship. We just can’t help it! We’ve been socialized to appreciate the “unique” — logos just help us buy them faster.

Shed the logos and brands

I don’t want to be a walking billboard anymore. I don’t want people to ask me what brand I’m wearing. I don’t want people to be inspired by what I wear, and buy similar. Strangely enough, I’m also wired to feel flattered by their interest. Quite a conundrum.

Over the last couple years, I cleared out my closet of many aspirational and brand name clothing with gigantic logos. I don’t want to be someone else’s brand ambassador — especially without a regular paycheck. I want to be my own brand ambassador.

I want you to get to know me — the person within the clothes. I want you to meet me, not a terrifyingly large logo of a horse carrying a polo stick. More importantly, I want to see who you are. So, cover up the logos, rid your closet of excess brand stamps, and find your own look.

Filed Under: Minimalism, Save Money Tagged With: Amazon, ambassador, Apple, brands, buying, Consumerism, iPhones, logos, Wealth

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