Frugaling

Save more, live well, give generously

  • Home
  • Start Here
  • Popular
    • Archives
  • Recommended
  • Contact
  • Save Money
    • Lifestyle Downgrade
    • Save Money with Mindfulness
    • Save at Starbucks
    • Psychological Trick To Reduce Your Online Shopping
    • Best Freebies
  • Minimalism
    • 8 TED Talks To Become A Minimalist
    • We Rent This Life
    • Everything Must Go
    • Lifestyle Downgrade
    • The Purchase Paradox: Wanting, Until You Own It
    • Nothing In My Pockets
  • Social Justice
    • Destroy The 40-Hour Workweek
    • Too Poor To Protest: Income Inequality
    • The New Rich: How $250k A Year Became Middle Class
    • Hunter Gatherers vs. 21st Century Desk-sitters
  • Make Money
    • Make $10k in 10 Months
    • Monetize Your Blog
    • Side Hustle for Serious Cash
  • Loans
    • 5 Rules To Follow Before Accepting Student Loans
    • Would You Marry Me?
    • Should I Have a Credit Card If I’m In Debt?
    • $50k in Scholarships in 70 Minutes

Hunter Gatherers vs 21st Century Desk-sitters: What A Natural History Museum Taught Me About Work

By Frugaling 19 Comments

Share This:

The Field Museum of Natural History Time is an illusion Frugality
The Field Museum of Natural History

Drop down a little rabbit hole with me. There’s a philosophical question that keeps bubbling up in my mind. Essentially, many people work in jobs they don’t care for, with increasing demands and responsibilities, all for the goal of retiring and entertaining a life of leisure. This comes at a time with tragic income inequality and painfully low social mobility.

I’m puzzled by this pattern that we are corralled into: Birth, education, working years, retirement, and then death. Why do we work as hard as we do to become financially solvent when time is an illusion and our days here are undefined? Moreover, why are we pursuing these stressful work lives that cause serious medical complications and early death (e.g., stress, heart disease, cancer, etc.)? Is there a balanced alternative?

This New Year’s Eve, I visited Chicago to celebrate with someone I care deeply about. As we walked around the city, I suggested we traipse over to the Field Museum of Natural History. That’s when some of these questions came into perspective and I found some surprising answers.

The hunter gatherer versus 21st century desk-sitter workweeks

xkcd computer problems 21st century desksitter
Photo: xkcd

As we strolled through the museum, I began to see how work and life changed for people. Where once we foraged and hunted, travelled in groups and visited a variety of places, we now hunker down and settle. Questions of food scarcity, shelter, and life expectancy abound when you’re a hunter gatherer. But you’d be wrong to assume that hunter gatherers were working all the time to survive.

Anthropologists have long known that the life of a hunter gatherer included far more leisure time than our traditional, 21st century desk-sitter. In fact, the average working day was less than 5 hours. Here in the United States and much of the working world, there’s a 40 to 44 hour workweek, and far less leisure time.

Is it worth the time? xkcd productivity tips 21st century desksitter
Photo: xkcd

Popular productivity tips and organizational oracles flood major content websites. There are entire swaths of the Internet dedicated to tackling your work, life, and beyond. Admittedly, I frequent websites such as Lifehacker and the Reddit “lifehack” subreddit. I read The 4-Hour Workweek with great vigor, and promptly failed at utilizing most of the productivity skills it contained.

When I return to books and sites like these, I feel like I’ve admitted defeat and accepted that my lifestyle and workweek just go with the territory (a full-time grad student and employee with a monetary budget equal to a few packets of ramen). Each of these self-proclaimed productivity solutions seem to be getting at the same thing: less work and more play.

The 21st century desk-sitters’ kryptonite: Heart disease and early death

Despite evolving into bipeds – made for walking, running, and moving – we are more sedentary than ever before. At the museum, the curators boldly outlined a significant problem with our current lifestyle: heart and health-related early death.

21st century desksitter picture
Photo: victor1558/flickr

The shift to 21st century desk-sitters and the productivity movement caused a sudden increase in heart and health-related diseases. Increased duration and pressure in the work environment is associated with depression, obesity, cancer, sleep deficits, cardiovascular complications, stress, and eye strain. Here’s what we know about working beyond 7 hours (aka, overtime):

The research shows a 60% increase in heart-related illness such as non-fatal heart attacks and angina in those who work for three hours or more longer than a normal seven-hour day.

“Employers and patients need to be aware of all of the risk factors for coronary heart disease – and should consider overtime as one factor that may lead to a number of medical conditions.” (The Guardian)

Despite these risks and loss of enjoyment, we continue to pursue these workweeks that perpetuate and encourage the trouble. The solution and ontology are simple: move and find time to relax more.

The hunter gatherers were really good at one thing: Minimalism

While we fight mightily to carve out more time for leisure via productivity, we’re failing and the paradigm needs to shift. There are systemic, governmental factors that limit our ability to engage in more leisure time. But more interestingly, there seems to be a cultural appreciation for those that work two or three jobs, and fight to make a living. This may hold us back more than any federal legalese.

Hunter gatherer societies seemed to understand that life was held in a delicate balance. Time versus effort was carefully calculated. Needs were different, as many just needed to feed, cloth, and find shelter. These people weren’t squabbling over cloud-piercing skyscrapers, or debating between iPad and Google Nexus tablets. They carried and traveled with little more than their necessities, and the urge to consume was much less. They were minimalists to the fullest extent – out of pure necessity.

Fortunately, some countries are wisening up to these consequences and reducing the normal workweek schedule. Germany, the Netherlands, and France top the list of countries with the fewest average work hours. Germans work an average 25.6 hours per week, make $35.33 an hour, and only have a 6% unemployment rate.

My night at the museum opened my eyes to this simple change in our workweek, lifestyles, and health complications. There’s an alternative to the work, work, die lifestyle and it starts with your schedule.

Would you be able to reduce your work hours? What consequences would you see, positively or negatively?

Filed Under: Minimalism, Social Justice Tagged With: 21st century, balance, desksitter, employee, employer, heart disease, Hunter gatherer, jobs, lifehacker, Minimalism, museum, reddit, Work, work life, workweek

How Much Could A Lifestyle Downgrade Save You?

By Frugaling 9 Comments

Share This:

Flip Phone Old Lifestyle Downgrade
Photo: RobotSkirts/Flickr

Before I flipped out and got all frugal on everyone, I was taking out as many student loans as the good ol’ US of A would lend me. At times, I was engaging in some questionable personal finance practices – balance transfers (aka, robbing Peter to pay Paul). I felt pretty helpless, but people around me kept saying encouraging remarks, as the bulk of my loans were for school.

Unfortunately, the investment and loan damage that’s incurred to graduate from university programs varies tremendously. Some programs are a wonderful investment of time and money – they’ll most certainly add up to a great job, benefits, and an easy retirement. Others are a bit more vague. Something just doesn’t sit right when people say one kind of debt is better than others.

In an effort to reduce as many extra costs as I can, I’ve frequently thought about a lifestyle downgrade. What is it, you may ask? Essentially, it’s about getting rid of as many of necessarily technological advances as you can and pocketing the difference in money to pay off debt. With around $30,000 in debt left to pay off, I recognize that every little bit can help. Moreover, the bulk of this $30,000 currently gets taxed at an abysmal, life-suffocating 6.8 percent, courtesy of the federal government. It’s easy to imagine selling some unnecessary creature comforts and design elements to close this gap.

There Are Assets At Your Fingertips

Man Typing On Keyboard Assets Lifestyle Downgrade
Photo: Kacper Pempel/Reuters

Many articles about personal finance stress removing your daily coffee at Starbucks or packing a lunch. These tips will certainly lead to better budgeting when you’re seriously starved for cash, but there’s more that can be done. Usually, it takes no more than a simple glance at the device you’re using to read this article. Are you using the latest technology? Is that an iPhone 5 in your pocket, or are you just happy to see me?

Personally, I have a number of assets that are slowly depreciating – losing their resale value every day I own them. About a year ago I bought a white iPhone 5 and a couple years before that, I purchased a Macbook Air. The iPhone 5 was purchased on contract and cost the traditional $199 upfront, but these devices are worth WAY more than that on eBay. The Macbook Air was purchased for over $1,000. Unfortunately, the computer has depreciated quite a bit over time. But how much could I sell these items to restructure my life, spending habits, and pay off the burgeoning amount of student loan debt I have?

Choose Your Medium Wisely

When it comes to selling used goods there are three major options: eBay, Craigslist, or your local pawn store. Pawning your old accessories can be the worst option. Because there is a middleman to the transaction between buyer and seller, you’ll likely lose a lot of value. To their credit, a pawn store needs to make a profit, too – there are margins to any business. For the purposes of making the most you can off of your tech and accessories, let’s rule this out.

Next, we should consider Craigslist. In case you’ve been living under a rock for about a decade (and you will be soon by selling off all these newer technologies), Craigslist is the ultimate local classifieds and it’s completely free to buy and sell online. This method will net you the largest profit as there won’t be any commissions skimmed in the process (unlike with pawn stores and eBay). The one risk is that you’re dealing face-to-face with other people, and they may not necessarily be interested in dealing fairly once you meet in person. Similarly, you’ll likely have to spend more time responding to personal emails and arranging meetings to finally sell the item.

The last (but not least) option is eBay. The auction site has become a behemoth in the tech world. It’s by far the easiest and most populated area for buying and selling goods. As a buyer, it can be a wonderful way to find used goods at deep discounts, but as a seller, eBay is a little less friendly. For starters, eBay takes a cut every time you make a sale. Then, like the mafia, they have created one payment process that they own: PayPal. You’ll suffer another payment cut there, too. eBay ranks somewhere in between a pawn store and Craigslist for the money you’ll make, but it’s a safe platform and guarantees a sale within a certain, set period of time.

Reap Your Rewards And Pay Off Debt

Chromebook Lifestyle Downgrade
Acer C720 Chromebook

In the end, the goal is to sell off the unnecessarily advanced, profit off the difference of a lifestyle downgrade, and pay off some debt. If I were to sell my Macbook Air and iPhone 5, I’d probably net about $1,000 off the entire transaction. By selling these goods, I could buy a cheap, affordable computer and buy an older, used smartphone.

Using the same methods outlined before, I would recommend looking on Craigslist and eBay for used laptops and smartphones. The Galaxy Nexus – once the hottest phone on the market – now is a bargain at $60 used, off contract. That would take my net profit down to around $960. As a graduate student and heavy researcher, I would absolutely still need a computer for day-to-day work. The most affordable computers on the market are Chromebooks. I could easily buy a used Chromebook for around $125. After buying both downgraded accessories, I would net about $835 for loan debt.

With all lifestyle downgrades there will be sacrifices. Google Chromebooks are not fully-featured laptops and there are a number of restrictions you’ll bump up against. Older model smartphones may have worsening battery life and poor reception at times.

The question then becomes, is the sacrifice and debt payment worth your inconvenience and potential discomfort?

Filed Under: Minimalism, Save Money Tagged With: chromebooks, Craigslist, credit, debt, Downgrade, eBay, Galaxy Nexus, Google, laptops, Minimalism, school, smartphones, Student Loans

Should You Buy Renter’s Insurance?

By Frugaling 7 Comments

Share This:

Home insurance may never be applicable to me, but what about renter's insurance?

Walk into my apartment, and you’ll notice something: There’s hardly anything in it. It’s sparse, austere, and minimalistic; most of all, purposeful. A table, chairs, my bed – not many extras.

I’ve rented for years now, and I’m not sure I ever want to purchase a house. In a previously written article for PTMoney.com, I cataloged the many reasons why I hesitate to buy. Home insurance may never be applicable to me, but what about renter’s insurance?

Multi-Line Discounts

Every time I call Geico to ask for discounts or check my car insurance premiums, a representative suggests a particular “discount” for also having renter’s insurance. Invariably, I ask what that costs. Would having a multi-line discount make my overall bill cheaper? No.

Unfortunately, this multi-line “discount” is simply a marketing ploy to attract non-critical consumers. Do yourself a favor and ignore these enticements.

Fear Factor

…what if your apartment gets burglarized? Or, worse yet, suffers smoke damage in a fire? Some renters may think that everything they have inside their apartments is insured under the landlord’s policy, but that only covers the building itself. (Source)

Renter’s insurance is often motivated by fear of the unknown. A fire, flood, burglar, or any other risk may enter your apartment and destroy what’s rightfully yours. This destruction is not covered by landlords.

If you have a wealth of materials in your house, renter’s insurance may be for you. It’s a hedge against negative events. The insurance company lets you pay a small fraction of the total worth on the actuarial assumption that you won’t need the money.

Minimalism

There’s a way to avoid renter’s insurance, feel safe, and live a comfortable life. The secret is minimalism. This term represents a movement towards the essential; basically, eschewing all that’s superfluous for what really matters.

Minimalism can be a powerful tool to feeling free from worry. If there’s nothing to burn or steal, why do you need renter’s insurance? When I go on vacation or leave my home, I’m comforted by my bare apartment. What could anybody want? What’s the worst that could happen?

Yes, my table, chairs, pictures, and electronics could morph into charcoal and dust if a fire occurred. But I place no value in these inexpensive things that are easily replaceable. They’re not worth a monthly hedge that drains my budget even further.

And if you choose to plaster the walls with pictures of loved ones and heirlooms, there’s a priceless nature to these things. Geico doesn’t care about priceless – nor could they actually replace them.

What Should You Do?

When it comes time to consider renter’s insurance, take a critical eye to this apparent money saver. Potentially, it may drain your budget, while making you feel safe.

The decision is yours.

Just know that safety doesn’t always need to be purchased. Sometimes, it takes a philosophical change, instead. That’s where minimalism can help.

Filed Under: Minimalism, Save Money Tagged With: apartment, house, Minimalism, minimalist, renters insurance, Safety

Can Minimalism Create Consumption? (Updated)

By Frugaling 4 Comments

Share This:

Minimalism shouldn't create consumption. It's a tragic irony if it does. In my opinion, minimalism must balance the desire for less focus on stuff, with the need for some basics. If you have a favorite that you continually learn from, keep it.

Updated: Joshua Fields Millburn of The Minimalists commented on this article. Please read through and look at his response. Thanks Joshua!

Buying Too Much Crap

I self-identify as, “A failing minimalist.” Look on my walls, search through my drawers, and peer onto my countertops, there’s plenty here. I’m failing to follow my own philosophical desire for minimalism in an increasingly consumptive world. I’m not perfect, and sometimes I fail at minimizing the importance of stuff. Amidst my purchases and missteps, I look to role models that help shape my sinuous path to simple living. They offer support, inspiration, and guidance when I need it most.

My Role Models

Some of the strongest writers and websites on minimalism are Zen Habits, Becoming Minimalist, and The Minimalists. The latter site is my favorite for regular inspiration and deep thoughts regarding a life filled with more meaning and less clutter. Ryan and Joshua catalogue their journey leaving the rate race, selling away extra stuff, and clearing the clutter that also fills the mind. Ryan and Joshua smartly exited the working world and created a business out of minimalism. Now, they travel around North America, explaining what it is and how you can become a minimalist, too. But that doesn’t necessarily pay the bills.

One of their main income streams includes published books. After writing short posts and collections of thoughts to the site, they condense the details into a perfectly thematic string of stories and inspiration. These for purchase offerings have broadened their audience, too.

How Minimalism Can Create Consumption

A newer offering entitled, “Simplicity: Essays,” is another anthology of stories. The beautifully written words and simple hopes delight the budding minimalist in me:

These essays were written to encourage readers to think critically about the excess in their lives and, ultimately, to take action towards living more intentionally. This collection is short enough to be read in a few sittings, or it can be digested slowly, reading one essay a day for six weeks, applying its principals each day to your own life.

Unfortunately, the two are at fault for recommending something that may only enhance and encourage consumption. At one point, they recommend selling or ridding your tower of DVDs. I completely agree, as they’re only taking up space. The duo mentions that once you see a movie, going back to it is an effort to live in the past. As their minimalist journey has encouraged a focus on the present, they see these forms of entertainment in a finite way. This is where I differ. Going back to something you’ve already watched or read is exceptionally frugal, and even though it may occupy space, it doesn’t need to be counter to minimalistic mores. In fact, I often return to classics for new inspiration, experiences, and reflections. The movie Fight Club is a perfect example. I’ve seen it about 6 times. I rewatch it, not for the past or nostalgic relief, but as a reminder to the errs of consumerism, materialism, and nihilism amidst a culture of consumption. I always gain something new, and it’s definitely present focused. Minimalism shouldn’t create consumption. It’s a tragic irony if it does. In my opinion, minimalism must balance the desire for less focus on stuff, with the need for some basics. If you have a favorite that you continually learn from, keep it.

Filed Under: Minimalism Tagged With: Minimalism

  • « Previous Page
  • 1
  • …
  • 6
  • 7
  • 8
  • 9
  • Next Page »

Follow

  • Facebook
  • Google+
  • Pinterest
  • RSS
  • Twitter

Subscribe

Best Of

  • Is Frozen Juice Cheaper?
    Is Frozen Juice Cheaper?
  • 5 Tricks To Save Money At Starbucks (Updated)
    5 Tricks To Save Money At Starbucks (Updated)
  • The 5 Minute Guide To Reading Credit Card Terms And Conditions
    The 5 Minute Guide To Reading Credit Card Terms And Conditions
  • Is Silver A Good Investment In 2021?
    Is Silver A Good Investment In 2021?
  • I Am Robert Farrington, Founder Of The College Investor, And This Is How I Work
    I Am Robert Farrington, Founder Of The College Investor, And This Is How I Work
  • 8 TED Talks That Will Inspire You To Become A Minimalist
    8 TED Talks That Will Inspire You To Become A Minimalist

Recent Posts

  • Débuter en photographie sans se ruiner
  • How to Eat Healthy on a Budget
  • How To Live Stream Your Art
  • 5 Fun Summer Activities on a Budget
  • How to Pay Off Medical Debt

Search

Archives

  • August 2025 (1)
  • June 2023 (1)
  • May 2023 (2)
  • January 2023 (1)
  • March 2022 (3)
  • February 2022 (2)
  • November 2021 (1)
  • October 2021 (2)
  • August 2021 (4)
  • July 2021 (5)
  • June 2021 (3)
  • May 2021 (2)
  • January 2021 (2)
  • December 2020 (2)
  • October 2020 (2)
  • September 2020 (1)
  • August 2020 (3)
  • June 2020 (1)
  • May 2020 (2)
  • April 2020 (1)
  • February 2020 (2)
  • January 2020 (1)
  • December 2019 (1)
  • November 2019 (5)
  • September 2019 (4)
  • August 2019 (1)
  • June 2019 (1)
  • May 2019 (1)
  • April 2019 (1)
  • March 2019 (3)
  • February 2019 (1)
  • January 2019 (3)
  • December 2018 (1)
  • September 2018 (2)
  • July 2018 (1)
  • June 2018 (2)
  • May 2018 (1)
  • April 2018 (5)
  • March 2018 (6)
  • February 2018 (4)
  • January 2018 (1)
  • December 2017 (10)
  • November 2017 (3)
  • July 2017 (2)
  • June 2017 (5)
  • May 2017 (2)
  • April 2017 (8)
  • March 2017 (4)
  • February 2017 (3)
  • January 2017 (2)
  • December 2016 (2)
  • November 2016 (4)
  • October 2016 (2)
  • September 2016 (1)
  • August 2016 (4)
  • July 2016 (1)
  • June 2016 (3)
  • May 2016 (3)
  • April 2016 (4)
  • March 2016 (5)
  • February 2016 (2)
  • January 2016 (2)
  • December 2015 (3)
  • November 2015 (5)
  • October 2015 (5)
  • September 2015 (4)
  • August 2015 (6)
  • July 2015 (8)
  • June 2015 (6)
  • May 2015 (14)
  • April 2015 (14)
  • March 2015 (13)
  • February 2015 (12)
  • January 2015 (15)
  • December 2014 (10)
  • November 2014 (5)
  • October 2014 (6)
  • September 2014 (7)
  • August 2014 (12)
  • July 2014 (11)
  • June 2014 (12)
  • May 2014 (16)
  • April 2014 (13)
  • March 2014 (13)
  • February 2014 (9)
  • January 2014 (20)
  • December 2013 (9)
  • November 2013 (18)
  • October 2013 (15)
  • September 2013 (11)
  • August 2013 (11)
  • July 2013 (27)
  • June 2013 (18)
  • May 2013 (16)

Best Of

  • Is Frozen Juice Cheaper?
  • 5 Tricks To Save Money At Starbucks (Updated)
  • The 5 Minute Guide To Reading Credit Card Terms And Conditions

Recent Posts

  • Débuter en photographie sans se ruiner
  • How to Eat Healthy on a Budget
  • How To Live Stream Your Art

Follow

  • Facebook
  • Google+
  • RSS
  • Twitter

Copyright © 2025 · Modern Studio Pro Theme on Genesis Framework · WordPress · Log in