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On Saying Goodbye

By Frugaling 8 Comments

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Sam Lustgarten Thumbnail

I still remember looking at my then-partner when I said, “How about I call it ‘Frugaling’?” We both looked at each other with instant excitement — this was the perfect name for my digital home. I started with modest goals: write about debt, save some money, and make more.

After weeks and months of difficult conversations and self-doubt around the rapid amount of debt I was amassing, I decided to open up about my journey. Even more, I wanted to share the struggles of the indebted: stress, headaches, and constant worry about what might happen if I couldn’t pay it back.

Years have passed since I wrote my first article. I’ve been humbled by the millions who have clicked and shared and followed in the process. And as the readership grew, so did my bank account. Now, I will graduate my doctoral program with a positive net worth. By writing about my efforts, I was accountable to thousands of people — I couldn’t let you all down.

As graduate school has ramped up, it’s been difficult for me to write with regularity. My brain and keystrokes have been focused on research articles and the massive dissertation requirement for graduation. Shortly after the demands of school captured all my attention, Pauline, a fantastic personal finance writer, approached me with an offer for this site.

With the opportunity to sell the site, save some money, and continue to work on graduate school, I saw this as a perfect opportunity for Frugaling to live on for many more years to come. Pauline will skillfully write about personal finance and continue a wonderful legacy. But for me, I’m off to ensure I graduate on time and get a job — finally!

Thanks for being with me all these years. I couldn’t have kept up the momentum without you. I’m forever indebted to you, the reader.

Your friend,

Sam

Filed Under: Interviews Tagged With: Blog

The Future of Frugaling

By Frugaling 16 Comments

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Hi there! I’m Pauline. You may know my other site Reach Financial Independence, I’ve been in the PF world for a few years now.
pauline2

I am the new owner of Frugaling, and wanted to share my excitement with you about this new project.

What can you expect here from now on? Well, I don’t know yet to be honest. Personal finance, definitely. Random personal musings, I generally tend to publish them on my site.

So will it be me, some staff writers, a mix of both, that remains to be seen, but I wanted to give you a heads up, so you don’t wonder where Sam’s voice went. I hope you’ll like it! Cheers

Filed Under: Interviews Tagged With: Blogging

What Happens To Data After Death?

By Frugaling 2 Comments

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Francie and Me

I miss my grandmother. She brings tears to my eyes when I think back on our time together. She would’ve turned 98 last weekend. And while she lived a good, long life, she’s been dead for about eight years.

Sometimes I wonder what she’d say to me — what she’d think of my academic endeavors, writing, friends, and loves.

Would she be proud of her grandson? Would I be living up to her expectations? Would she understand how much I miss her?

There are times when I stare at an old photo of the two of us. There she is, in her pearl earrings — a gem from another generation. She was a product of a time when women demanded civil liberties and spoke out bravely. Individually, she was highly educated, musically gifted, crafted an alarmingly kind, talented group of friends. She attracted her equals. I admired her.

But now, as I reflect on these eight years, I long for a video, text, or email between us. Something I can click play on.

There is nothing. I can’t find any artifact nor proof of our love and affection — our bond. We only have a handful of progressively fading photographs. Burned, stained from the sun, time is making us increasingly more sepia and prone to rosy retrospection.

Towards the latter years of her life, I grabbed whatever technology I had — at the time, a Motorola Razr — and pointed the “camera” her way. She didn’t mind my intrusion. She didn’t “get” that there was a video camera on the phone. I held it up as she talked to one of her dear friends.

She was talking about me and said into the phone, “Yes, Sam’s going to Colorado University.” I chimed in, like I always had to as her memory waned, “No Francie, Colorado State University.” She quickly relayed that correction.

A few more seconds passed and I turned off the camera. Somehow I knew this would be one of the most important, last moments with her. Her hospice treatments had accelerated. She was becoming weaker, but her hands gripped firm with mine until the end. She’d pass away shortly after this call.

To have that file meant the video was mine. I’d have it as long as I’d like it. A rare glimpse, however distorted and pixelated that would take me back.

Her voice. Her demeanor. Her playfulness. For a few seconds.

It’d have to do. There wasn’t much else to cling and hold.

Maybe it was her birthday, or maybe it was my addiction to nostalgia; whatever it was, I looked for the clip the other day. I desperately wanted to relive it. To touch through time. To bridge the gap between life and death. To see the pixels dance before my eyes and make me feel… there.

Amidst gigabytes of photos and videos on my computer, the little clip was gone. I rummaged through flash drives, hard drives, cloud storage — nothing. There was no file to be found.

It was a foreign feeling — loss — amidst this digital era. We live in a time of Facebook, Twitter, LinkedIn, iMessage, WhatsApp, Facebook Messenger, Gmail, Google Drive, iCloud, and Dropbox. Data costs little to nothing. And the world seems settled on one major goal: saving and storing your life for eternity.

Today, it’s not uncommon for me to send hundreds of texts, emails, and tweets in a day between friends and family — many of which include photos and videos.

I’m curious what Francie would think of these advancements. As I get older, the data seems to have a redundancy and staying power — beyond anything we could’ve imagined 10 years ago. She died before we started speaking to our phones, searching for rashes on WebMD, and sharing our meals over Facebook.

A file created today may well live beyond my lifetime, and maybe even my children’s (if I’m lucky enough to have them some day). What of these things would be passed onto future generations?

There’s that photo of me crossing the marathon finish line in Houston. There’s that kiss with my love in Colombia. There’s that random photo of my cousin and I when we were four years old — grinning from ear to ear. There’s that video tour of my old, Siberian-prison inspired apartment.

They’ll outlive me.

Storage is becoming cheaper every day. Companies are propositioning themselves to be the keeper of all your photos and videos, forever — just look at Google Photos. They’re saying they have the ultimate solution. Unlike my missing video of Francie, photos and videos are now saved and backed up; then, replicated across data centers across the globe. No flood, tornado, earthquake, hurricane, or mudslide can touch these memories. No user or device error can stop us now.

Maybe she belongs in the past, but she’d be here so much more amidst this technology. I could share a video of Francie to my partner. And I could connect with the memories that my mind slowly lets drift. Nothing would pass the intense scrutiny and analysis of today’s servers. The computers might serve the memories to me when I needed them most.

But what happens now? What will happen to our memories as they pass from generation to generation in this increasingly connected and backed up society? What will companies keep of us? What will our loved ones hold on to? What will they look to for connection with their pasts?

What will happen to our data after death?

Filed Under: Save Money Tagged With: Apple, Cloud, Cloud Storage, Computers, data, Dropbox, Facebook, family, Google, Google Drive, iCloud, iMessage, Memories, Photos, Servers, twitter

What If College Were A Right?

By Frugaling 2 Comments

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College Campuses Are Building Continuously

Ensuring your indebted future

Since my freshman year of college nine years ago, every university I’ve stepped foot on has been “under construction.” With streets closed, detours made, and buildings built to even greater heights, trillions are being spent across the country on “improvements.”

This hyper-development has led to increased tuition and fees for everyday students, but amidst this “progress” sits an all-too-quiet darkness: $1.2 trillion in student loan debt.

The construction, administrator salaries, and student fees (i.e., recreational centers) have all contributed to greater debts. Simultaneously, reduced state-based funding for tuition has saddled students with ever-growing amounts.

Almost every state — despite emphasizing the importance of educations — have cut, cut, cut. They’ve reduced burdens on taxpayers at the cost of individual college students.

Without money, the gap widens

We’ve pushed students into this bind. We’ve enabled this disempowerment and devolution. Now, students must take out student loans or ask wealthy parents. If the latter doesn’t exist, few options remain.

A vacuum has resulted. Private companies and universities have aimed to remedy the gap with digital universities and massive open online courses (MOOCs). These serve increasing populations of students looking for access to education — wherever it can be found. But these “solutions” do not provide the strength and privilege in an in-person education.

Maybe Udacity and MOOCs are incredible inventions, but would we even consider these options if educations were afforded to more people? Communication and engagement with the material, other students, and professors is weaker online.

Sitting in a seat, asking questions, and being an engaged student in a classroom still wins out. While online options might provide help to many, most people don’t learn very well watching a screen for hours on end.

Should student debt be an individual responsibility?

In America, we tend to value individual freedom over social good. The costs are simple: we don’t have a universal health system, paid family leave, or guaranteed vacation days with all employers. In this case, freedom means individual debt, burden, and struggle.

We believe that K-12 years should be taxpayer funded, and then suddenly stop. College educations shift to individual responsibility, as if it’s an optional concept in today’s economy.

Perhaps we cannot make sweeping changes to all these social programs. But maybe we can continue to strengthen the value of education as a right?

Where college education is a right

Thankfully, there’s another way. Much of Europe already has debt-free college educations for their people. For them, K-12 is just the start if you care to pursue additional education.

For some countries, this philosophy of education goes beyond their native-born populace and artificial borders. The University of Ljubljana in Slovenia provides free education to both foreign and native students. Americans have even gone there to dodge the debt in the States.

Americans could provide affordable educations to the masses. I’m a believer in this philosophy. People deserve quality educations in the richest country in the world. And citizens (at very least) could greatly benefit from this true access.

Students wouldn’t be cash strapped upon graduation. They’d buy homes, cars, and support your job and mine.

Instead, they’re forced to pay banks near-endless amounts of interest for decades and have nothing to show for it.

Filed Under: Save Money, Social Justice

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