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Archives for May 2015

Frugal Articles of the Week

By Frugaling 1 Comment

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Reading Nook Photo

Every week I like to feature a few frugal articles that caught my eyes. Curl up in your favorite reading nook and enjoy. Hopefully these encourage you to live frugal lives!

Household Finances Still Fragile Six Years After the Recession by Gillian White
The Great Recession still lingers on. Many households are resisting purchases because of inconsistent and variable incomes. Paychecks that vary each time make it difficult to predict safe spending. It’s leading the most affected to hold back more than ever.

This Is What Sweden’s Most Statistically Sought-After Home Looks Like by Kristin Hohenadel
This brilliant design firm has constructed the “perfect” house. Based on surveys and data from Swedish residents, this minimal, utilitarian home is what most would like. The floorplans are open, with lots of natural light. But the best part is the effective use of space.

How to live a middle-class life in New York City on less than $5,000 a year by Pauline Marie Bock
This semi-anonymous, French freegan is living in New York City on an insane, impressively frugal budget: $5,000 a year. She hustles to find the shops and spots where good food is being wasted — thrown away unnecessarily. From bagels to beans to fruits, “Marie” has found countless free meals.

This Season’s Must-Haves by Brooke McAlary
From beautiful new colors to shapes, clothing changes every season. For many, it’s a clarion call to action: shop to you drop. Brooke has an amazing twist on this season’s must-haves. You must read this one!

Filed Under: Save Money Tagged With: articles, Class, Clothing, Frugal, housing, Minimalism, Recession, Sweden, week

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

The Difference Between Cheap And Frugal Coffee

By Frugaling 25 Comments

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Photo Russell James Smith on Flickr

I got home the other night and my roommate asked, “What’s the cheapest coffee per ounce?” I didn’t know. That simple question spawned a two-hour search — digital and physical — to find the cheapest possible option.

We scoured Amazon.com for different brands. There were Coffee Bean Direct, 8 O’Clock Coffee, Starbucks, and everything in between online. After some math from elementary school that seemed far too hard to remember, we divided nearly every brand by ounces to find the cheapest price.

The most affordable was about 30 cents per ounce. In the back of my mind, I remembered that I had a coupon for $1 off of Walgreen’s “Nice” coffee. This blatantly huge canister comes in at nearly 33-ounces of pre-ground coffee. After coupon, it came to 23 cents per ounce.

My roommate said, “Let’s go to the Walgreens and try it!” The clock read 9:30 PM. Drinking a bunch of caffeinated coffee didn’t seem smart, but against my better judgment I immediately said “yes.”

We hopped on our bicycles and rode to the store. Headlights ablaze, we were men on a mission. Inside, we quickly walked over to the coffee aisle and found “Nice.” It sat precariously close to Folgers. My roomie was quick to point out that markets regularly pair their generics next to comparable products.

Coffee and eggs

If the “Nice” canister was supposed to be similar to Folgers, it’d be undrinkable at any cost. I had tried Folgers before, and realized that if I ever needed to quit coffee, this would be the perfect prescription. Folgers had perfected the art of throwing unknown substances in large drums — before anyone else. Open any pack, and you find a strange blend of irregularly roasted chips of what they call “coffee.” That diversity of substances is paired with a uniquely acidic taste — like drinking an alkaline battery. But there was “Nice.” Maybe it’d be better?

After purchasing the canister, we rode back to immediately brew a cup. It was just like Folgers. The smell, the taste, the look… Everything about it screamed of substandard quality. I wanted to swig mouthwash and chew soap to clear my palette of this abomination. “Nice” would be returned the next day, as Walgreens’ return policy guaranteed my satisfaction. Two-three cents per ounce were 23 too many.

Saving money has a limit. At some point, frugality becomes cheap to a fault. Every product has a different barrier, and sometimes spending a little more upfront creates a better value. Either way, I have a few takeaways — some rules — that you should follow on your search for a more affordable cup.

1. Search for 100% Arabica

For casual coffee drinkers, scan the package for the source and type of coffee beans. Some popular regions include Central America, Africa, and East Asia. Unlike my “Nice” coffee experience, where the canister read, “100% coffee,” you want to see a bag that says, “100% Arabica beans.” This will help ensure that you are actually drinking real coffee, and not twigs and dirt.

2. Buy whole beans

Whole beans retain their flavor and oils longer then ground coffee. There’s nothing better than some freshly ground coffee. Packaged ground coffee, by any brand, is a big flavor sacrifice. If the goal is to maximize flavor on a budget, stick with whole bean. It usually doesn’t cost any more and assures that you can see what’s going into your hot cup o’ joe.

3. Buy in bulk

But if you can’t buy in bulk and have to buy coffee quick, stick with 12 to 16 ounce packages. While these can’t compete to bulk coffee, you can usually find one brand on sale — exercise strength and resist brand loyalty. Additionally, packages are more frequently purchased, so they tend to be fresher than the metal containers.

4. Stay away from the canisters of coffee

Ugh, I can’t stress this enough. The bulk, pre-ground, canister-style coffees are awful. It’s gas station coffee that’s set out for hours on end. It’s the leftover shards that no other coffee company wants. It might cost a few more cents per ounce to stay away, but I assure you that this is worth it. Just think, you’re saving tons of money over buying coffee out and about!

5. Buy with friends

The best part of about being frugal has nothing to do with padding my own wallet. Frugality is a social starter — something that brings people together and helps them question their values around money. Sharing in this pursuit of the cheapest coffee wasn’t just about saving a dollar here and there, it was about experimenting with a friend. And nothing helps save more than buying in bulk with others. If you can, try to buy whole beans with others — go to Costco or local roasters and ask for deals. There are savings in numbers.

Filed Under: Save Money Tagged With: affordable, Beans, cheap, Coffee, Frugal, grind

Frugal Articles of the Week

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Every week I like to feature a few frugal articles that caught my eyes. Curl up in your favorite reading nook and enjoy. Hopefully these encourage you to live frugal lives!

The $179 Million Picasso That Explains Global Inequality by Neil Irwin
Who knew that the art world could be a perfect analogy for income and wealth inequality? In this brilliant New York Times article, the author explains how an atmospheric art world is going bonkers. There are more billionaires than ever, and they’re spending money with wanton abandon.

Why I Gave Up a $95,000 Job to Move to the Caribbean and Scoop Ice Cream by Noelle Hancock
This story gets filed under the category of inspirational. Noelle risked it all by quitting her “successful” job in New York City for an island in the Caribbean. In this brilliant little memoir, she shares what led her to take the leap and how she’s been managing.

21 Surprising Statistics That Reveal How Much Stuff We Actually Own by Joshua Becker
With a highly viral name like this, it’s no wonder why it already has nearly 200 comments! Joshua struck a gold mine by highlighting some of society’s worst offenses.

Hack America: Field Notes from the Road by Blk Shp
Every week I note a few articles about frugality, incomes, wealth, and more. This article is a little departure from all that jazz. It’s an inspired piece of writing that captures the essence of America in a fresh, hip, fun new light. Especially loved the focus about outsiders, but don’t want to spoil it here! Go read it.

Filed Under: Save Money Tagged With: articles, Frugal, Income Inequality, Save Money, week

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