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5 Ways To Fix America’s Food Problems, And Still Eat Frugally

By Frugaling 7 Comments

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Mark Bittman at The Englert in Iowa City

Mark Bittman’s diet advice is minimal and frugal: eat real food and more plants. As the first-ever op-ed food columnist for The New York Times, he’s paid to provide thoughts on various topics related to chowing down. But his job goes well beyond recipes and healthy eating strategies. Bittman recognizes powerful, systemic concerns that affect our world. From climate change to GMOs to organic foods, he’s got an opinion on nearly everything.

Two weeks ago, a friend invited me to see Bittman speak. I didn’t know what he’d preach about. I didn’t know what his style would be like. I hadn’t ever read his columns. I didn’t even read the flyer. All I knew was that he wrote recipes and cared about climate change.

We settled into our balcony seats, and the lights lowered. Eventually, a balding man with tiny spectacles walked onto the stage — a sheet of papers in tow. Bittman gulped from a bottle of water and placed his speech on the podium. I was initially disappointed — expecting him to speak extemporaneously. That ruffled attitude dissipated, as his spoken words were potent.

He explained that we are living at a time of great peace and prosperity. But our tragic irony is that amidst this wealth, we are not providing adequate care for the disenfranchised parts of society. We can produce faster than ever, but we can’t reliably provide clean water and air for everyone. And when these basic elements to sustain life are threatened, only the wealthy can afford to move and buy water filters.

Children are constantly being exposed to toxic advertisements for sugar-laden fizzy beverages that rot their teeth, spike insulin levels, create excess adipose tissue, increase incidence of cancer, and lead to various other medical complications. Bittman makes it clear that we are doing our children and future generations a disservice by advertising these unhealthy drinks and providing vending machines in K-12 schools.

We aren’t educating children to be critical consumers in school; rather, we are schooling them to insert dollar bills into the coffers of multinational corporations. Their reward is a carbonated gurgle that makes them temporarily feel good. The sugar targets evolutionary epicenters for life, but is overabundant in today’s processed world.

Food is just the tip of the melting iceberg for Bittman. Our way of life is being threatened by climate change. As global temperatures increase, crop yields will be threatened, waters will rise, and food scarcity issues will worsen. The research is abundantly clear, and yet, we haven’t taken any action. He seems to understand that sugar, corporations, and schools all play a part in affecting our food decisions. But even greater, that climate change complicates everything.

Bittman is controversial in his views. He takes firm sides and argues his points until others relent. I’d take greater issue with his debate-style personality, but I agree with him too frequently to care. He’s right, and people need to listen up.

While a polemicist and op-ed columnist, Bittman is not a pessimist. He recognizes these problems and provides solutions — however grandiose they might seem. The following are five takeaways from his talk:

1. Eliminate empty calories

We need to reduce empty calories from our diet. We need to stop eating treats and sweets in such great abundance, and eliminate sugary drinks (they’re awful for us). And we need to start eating nutritious foods. As a frugal blogger, this is vital to saving money, too. Junk food is junk, and not worth our money (or time working to afford them).

2. Support government research

Research on nutritional needs and diets is complex and onerous. For average readers, it’s entirely inaccessible. What are the researchers suggesting, should I have more or less salt? Are all high-fat diets bad? How much sugar do we need? All of these questions get answered in various ways by esteemed PhDs. But some research is better than others. Bittman emphasizes that we need to support government-funded — not industry-funded — studies. By removing corporations (or eclipsing their findings), we can find out how we should really take action.

3. GMOs aren’t that important

Despite being the popular object of vitriol, GMOs aren’t that bad. They aren’t linked to cancer or other health concerns. They aren’t dangerous. Meanwhile, this hatred of an acronym distracts us from real concerns such as antibiotics. They’re in chickens, cows, and lots of other livestock. Antibiotics leech into water sources, are ingested, and spawn radical bugs that cannot be killed. They’re awful and need to be done away with.

4. Transparency is vital for choice

Industrial agriculture companies constantly fight against labeling foods to enhance greater transparency. From calories of meals to GMO-free designations, they fight labeling because it cuts into profits. When people are made aware of what they’re ingesting, they make wiser choices and buy other products. To be able to “choose” healthier options, people must know what they’re buying first.

5. Local influences global

What Bittman excels at is framing food in a systemic perspective. Food is about socioeconomic status, race, culture, geographic location, and much more. It’s not just what’s for dinner. The choices we make today are influenced by the advertisements of yesteryears. One of the greatest changes we can make today is supporting more local options. Buy nearby crops, go to farmers markets, and support your neighbors. These choices will reduce climate change, likely be healthier, and make for more vibrant communities. Additionally, the hope is that local change affects national and international policy. We have to start small and build out.

I highly recommend you check out Mark Bittman’s recent book, How to Cook Everything Fast, for fun, frugal recipes that don’t take long to make!

Filed Under: Save Money, Social Justice Tagged With: Agriculture, Budgets, Calories, eating, Food, Frugal, GMOs, Mark Bittman, minimal, Organic, Systemic

Is Capitalism Compatible With Caring?

By Frugaling 6 Comments

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Google Campus Photo
Google is known for being one of the best places to work, with some of the happiest employees.

On the cost of caring

Each year, 217 million workdays are lost or less productive due to mental health concerns. Indirect mental health costs on companies are estimated at $59 billion. But some estimates put these costs as high as $80 to $100 billion. These staggering numbers often serve as motivators for human resources departments and corporations to take action and “solve” mental health crises.

For each specific diagnosis, the statistics vary widely. Researchers tend to look at indirect costs, direct health coverage costs, productivity disruptions, absenteeism, and failure to be mindful while on the job. One of the more common ones, depression, costs employers about $44 billion in lost productive time. Additionally, employees with depression miss about 4.8 days of work and 11.5 days of reduced productivity every 90 days.

Another frequent mental health concern in employees is anxiety. Symptoms of anxiety manifest in various ways, but generally are closely linked with stressors. Anxiety disorders cost about $42.3 billion in the 90s. Inevitably, that estimate would likely be far greater today.

The most expensive diagnosis is usually bipolar disorder. From absenteeism to lost productivity to medications, this disorder has a potent effect on profits. In fact, it costs about $6,836 per employee with bipolar disorder. Closely linked, suicide amounts to $34.6 billion in medical costs and work lost. And non-fatal suicide attempts cost $4.3 billion in lost wages and productivity.

Make companies care through stats

All of these statistics come from fairly reputable sources such as the Centers for Disease Control (CDC), National Institute of Mental Health (NIH/NIMH), National Alliance on Mental Health (NAMI), and peer-reviewed journal articles. As an academic, I trust that these organizations are estimating — to the best of their ability — the high price of mental health in America.

In the past, many companies discriminated against applicants with mental health concerns. Frequently, people were ruled out for jobs they would otherwise be qualified for because of mental illnesses. What the CDC, NAMI, and NIMH have worked tirelessly to do is normalize mental health concerns and reduce stigmas. They’ve worked to interject a hypothesis for companies, which is that everybody wins when you care for employees.

Each organization learned that to talk to companies you need to focus on the bottom line: profits. They’ve excelled at making terrific inroads with corporate giants that have instituted better fringe benefits, fun activities in the workplace, and greater time off. They know that companies want happy, healthy workers because that leads to greater sales, revenue, and shareholder returns. And, for the most part, it’s helped.

Treat the illness and profits will boom!

Mental health advocates in the corporate world seem to politely accept that companies are only motivated by numbers. They argue that untreated and undertreated mental concerns cost more than proper treatment.

Understanding this basic premise, companies have accepted a Mr-Fix-It-style psychology. Treat the illness, get better, and then get back to work! Similarly, healthcare companies rarely offer long-term mental health treatment, as it’s limited to short-term, brief therapy. To offer something more substantial would require companies to pay more profits to care for employees.

This pressure has led companies to ask researchers and academics to think of faster ways to treat distress. The question seems to be, How can we rapidly patch people up so that they can get back to work?

Models of treatment have focused on prescription pills and quick rounds of talk therapy to douse the fires. We’ve learned to cap emotional distress — to keep it in line with what corporate America needs.

Companies aren’t the victims, we are

Capitalism is predicated on a fatal flaw: work hard and be rewarded. Unfortunately, people are all born with different strengths and weaknesses, positions in society, and economic hand-me-downs. Working hard will look different for everyone. We are fundamentally created unequal, unlike the founding fathers suggested.

Men are generally taller than women, but that doesn’t mean they should get paid any different. Women live longer than men on average, but that doesn’t mean companies should begin to hire women because they could spend more years working. Our differences must be balanced out, because purely capitalistic forces fail to change the systemic problems.

And just like the aforementioned physicality and livelihood between genders, there’s great variety in mental health needs. People are not raised equally. Some parents are wonderful — others abusive. Some schools are the best in the country, and others are the worst. Some experience difficult traumas, and others seem to float by without incident. Our experiences from womb to tomb will vary greatly, and we need to learn to embrace this fact. Some people will need greater mental health care.

Flipping our understanding of mental health

Anything that gets in the way of working hard, being productive, and increasing revenue has — up until this point — been seen as an impediment. Being depressed has become a “bad” thing that you should avoid. Get that treated! It’s considered a flaw to suffer and hurt, because of the cost to a company’s bottom line. You’re causing profits to dip! Additionally, it’s encouraged people to stay tight-lipped and private about their struggles for fear of being ostracized.

When dollar signs flashed before corporations’ eyes, they listened. They understood that by making their employees healthier, they’d increase their bottom line. It would seem — for a moment — that capitalism was compatible with caring. But what if the money wasn’t there, would companies still care?

Companies desperately need to change the way they do business. Companies must see their employees as autonomous, capable, and creative humans. Companies must provide a space to excel, but also to seek freedom. Companies must look beyond the dollar amounts and pay for better time off and vacations. Companies must do their best to disregard the power of shareholders, in favor of respecting their employees.

Medical and mental health are in decline in America. Our system is bloated, expensive, and frankly, embarrassingly flaccid. It’s time we flip the paradigm. It’s time we say that workplaces need a reboot. It’s time for employers to receive the treatment. Perhaps it’s time to make companies work for us?

Filed Under: Social Justice Tagged With: America, Capitalism, care, Companies, employees, Finances, Google, illness, mental health, Psychology, statistics

I Have Zero Business Degrees

By Frugaling 13 Comments

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My Graduation Day 2011

What are my credentials?

Frugaling is a personal finance website where I regularly talk about financial concerns. I provide advice to save and make money, editorialize social justice issues, and argue in favor of minimalism over consumption.

But you might be wondering what credentials I have to proffer this help. Well, that’s a funny thing: I don’t have any. I didn’t get a business-related degree — there’s no formal finance education or economics indoctrination. My words are informed by something greater, and my hope is that they’re not the rote, memorized drivel that many financial advisors spout.

As a kid, I always thought I’d pursue something in finance. In fact, I want to tell you a little story from high school. It was there that I decided that to pursue a financial career path would leave me deeply unsatisfied, but my passion for personal finance never stopped.

Sam, you’re on the line!

I was giddy, but tempered in my high school science course. In about 10 minutes I’d ask my teacher to step outside and make a phone call.

My battery was fully charged, but I had to find a better signal. There was a field, away from the building, that provided a comfortable amount of strength. I dialed the number; I believe it was somewhere in New Jersey. I stayed on the line for what seemed like an abominable amount of time.

Occasionally, a pre-recorded voice piped up, that encouraged me to stay on the line. Then, I heard Jim Cramer’s — host of Mad Money on CNBC — voice and he shouted in my ear, “Sam from Golden, Colorado…” I melted with nervousness, but miraculously stated a ticker symbol (which I cannot remember) for a stock I was interested in.

Stocks were more important than classes

My latter high school days were filled with these moments. While fellow students studied diligently for their ACTs and applied to elite schools such as Duke and Stanford, my time was spent reading, trading, and watching the stock market. Because I was under 18, I forced my mom to co-sign and create a custodial account on an online trading site. I was hooked, and I loved the adrenaline.

Numbers pulsed through me, and I would binge on stock charts for hours. I hogged library computers and printer time to map them. In hallways and breaks, I drew lines on the charts, and practiced what I saw in books and television.

As an autodidact, the stock market provided an endless supply of data to be analyzed and understood. And the spoils went to the most educated people. I wanted to be one of them.

One form changed my degree, life

College was the path I was expected to follow. While my parents and grandparents never “forced” that path, it was strongly encouraged. The university life was where people went from good to great. I was open to that potential.

I applied to two colleges. The one I wanted to go to, Colorado State University, accepted me, but didn’t directly admit me into business. My less-than-stellar grades and contempt of mathematics meant that I would be an “open-option” business student until I proved my competence via good grades.

Prior to departing for Colorado State, there was an open house session. I attended one event geared specifically towards open-option students. For one hour, an advisor talked about academic success and finding your purpose in college.

I remember rolling my eyes, as the cynic in me dreaded the activity to come. We were split up into groups and then given about 10 minutes to complete a form and talk among the members.

The form asked us some simple questions, but one stuck out; it read, “How would you use your degree?” Despite the stupidly simple question, I had not really thought about this question before. I saw a response, “I want to help others.” Then I thought about my business degree — something wasn’t quite right.

I went to my advisor as soon as school started and asked to switch to psychology. There, I envisioned being able to listen and talk with others through their problems. That would be a degree to “help others.”

The psychology of money, spending, and society

After undergrad, I applied to graduate school and got into a counseling psychology doctoral program at the University of Iowa. I still wanted to follow the goals set forth in that open-option day. But in the back of my mind I recognized that investing and money issues still held great interest.

I still invested and read everything I could get my hands on regarding the stock market and business. I changed career paths, but my intrinsic passion for personal finance lingered.

As my own debt and spending spiralled out of control, I started Frugaling to right my course. It worked. I paid off about $40,000 of debt in about a year. I completely revamped my life — now incompatible with wanton spending and extravagances.

But I also started Frugaling as a perfect combination to meld my converging interests. I found that people’s (me included) monetary issues were closely linked to psychological concerns, distress, and stressors.

Psychology and business weren’t divergent topics. Additionally, I realized that most financial gurus blamed personal responsibility and character flaws on poverty, bankruptcy, and inadequate financial planning. There was room for a different voice — informed by psychological concepts and real counseling work with people suffering.

I’m not a financial-affiliated spokesperson

Over the nearly two years that Frugaling has been around, I have become an increasingly more passionate advocate for the underdogs. Financial markets are deeply unforgiving and unequal. People need to stand up and help others across diverse, multicultural backgrounds.

I ask you not to trust me for my financial degrees and letters after my name. I ask you not to trust me for how much money I’ve made for other people. I ask you not to trust me for being personally wealthy. I ask you not to trust me for my reputation (or lack thereof).

All I ask is that you consider the possibility that financial voices of reason come from those outside that insular world. I’m here to stand up for those who’ve been drowned out for too long. And I’m excited to continue building an audience (you included) that is inspired into action over social justice concerns and reducing consumption.

Filed Under: Social Justice Tagged With: Advice, Business, college, Finance, graduate school, investing, Personal Finance, Psychology, school, Social Justice, Stock Market, stocks, university

Drained: A Fictional Tale of Reality

By Frugaling 6 Comments

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Homelessness Cart Outside
Photo: Roberto Lajolo/Flickr

Personal finance vs. social justice

The personal finance world is inundated by articles and advice that focus on individual empowerment and responsibility for wealth generation. Essentially, the messages emphasize an individual’s ability to overcome debt through some tried and tested methods: hard work, side hustles, penny pinching, and highly restrictive lifestyles.

At times, I feel frustrated because it doesn’t properly account for countless variables that affect another’s ability to overcome financial hardship. Simply put, this advice places the burden and responsibility for financial success on the individual — and solely that person.

The reality is murkier, with various responsible parties and reasons for financial insolvency. Sudden job loss can leave families homeless. Medical bankruptcies can lead to awful credit scores and drained savings. Corruption in the banking system might prevent home owners from reducing their mortgage rates (despite receiving government funding to do just that). When persons blame or support the idea that personal finance solely rests on the individual, an injustice is committed.

Encouraging support, dialogue

Today, I wanted to write in a different voice. I guess you could say I’m feeling… creative.

Whether you call it a piece of “fiction” or “creative writing,” my hope is that you can better empathize with those from diverse backgrounds. More importantly, my dream is to respectfully tell a fictional tale that’s all too close to reality.

While reading this piece, I encourage you to think about how you can best provide support and advice to a family suffering in similar circumstances.

Let the story begin…

We’re broke.

I know we’re broke, but the kids can’t know. They’re too young to understand, and I’m ashamed. I’m not supposed to be here financially or geographically. We live out of suitcases with broken zippers. We duct tape the lid whenever we move again. I wish we had closets and dressers.

There are five us. My eldest is 12 and the youngest is 2, with two others aged 4 and 6. Together we make a handful.

They call me “Mah.” I call them my “Brats,” but I love them dearly. They’re the reason I’m still alive and kicking — fighting to get out of here and better my life. But every time I try, I’m sucked back down. Perhaps this is what the dinosaurs felt, as they got trapped in the La Brea Tar Pits.

My eldest is smart. I know she is. I can see it when she blasts through math assignments from school. I hear it when teachers remark about her rapid and accurate in-class participation. She could go to Harvard, if we had the money.

She whispers into my ear at night, when the lights are out and the other kids are fast asleep. She asks me if a woman will ever be president. She asks me why the stars seem so much brighter here, as opposed to the inner city.

My youngest is curious about the walls around him. He runs all around the shelter and tugs on the coattails of other residents. He draws pictures of a man, brings it to my face. I can’t avoid it. He calls the unknowable figure, “Daddy.”

His hair matches his father’s — unruly and brilliantly soft. Two-years-old and I can already see his father’s face on him. That button nose makes me grimace, because that man was horrible. I hide it from my youngest; at least, I try to.

He never met that man. No, he never met that asshole. He beat me to a near-coma, and then left me and my kids to fend for ourselves. Sometimes I have flashbacks of him coming for me. I fear that he’ll find me — even here in another state.

Could he find me, us?

As soon as I get a place of our own, I’m buying a gun. I’m sick of this shit. Sick of feeling defensive — like he could get us at any time, anywhere. Trust me, I’ve known quite a few assholes over the years.

I had my first child at 16. That was my first boyfriend. He was 22 and worked at the liquor store. Hell, he held a job and paid for our daughter’s clothing. My mother liked him. I liked him. But he couldn’t help making a few bucks here and there; you know, “on the streets.”

Eventually, he left us. Suddenly, I couldn’t afford not to work, nor could I afford our current place. I was alone and lonely. The kids were devastated.

In a rush, I buried the thoughts of that man and found work at a donut shop. If you knew what goes into those disgusting circles… Well, let’s just say you wouldn’t be chowing down on that next dozen. It paid the bills — sort of. It’s not like we didn’t get extra help. We were on food stamps and Medicaid. It never seemed like enough, though.

I was able to hold down that job for a while, but I struggled to sleep at night. The background hum was the din of people yelling, and the occasional crack of a pistol’s chamber. The streets were alive, while I “slept.” Every night was the same.

Men have been in and out of my life — out my kids’ lives. I must’ve been ignorant — stupid — because each time I thought this was the one. The one who would give me and my family the security we need. That never came.

Soon, work fired me. I was late to too many shifts — tired from taking care of my kids and sleepless nights.

I had a hundred dollars, bills to pay, and rent that was overdue. I used my credit card and filled up my tank all the way. Then, I drove as far as I could to safety — from my past, haunts, creditors, and landlord.

I hit the reset button.

But, I never expected to be here. I never expected to be away from home. I never wanted to put my kids through this mess. But now I’m here, without any money, over-drafted and maxed out.

I don’t know what to do.


Putting the person in personal finance

Sometimes, people that need the most financial help are coming from poverty, discrimination, and poor socio-economic backgrounds. Their way out is obscure and unclear. Providing a blanket list of “5 tips to reduce debt” can help, but too frequently, it downplays the history and subtly provides judgment for those who cannot meet the prescribed solutions.

Problems come from somewhere — they don’t magically appear. By acknowledging an individual’s entire story, we can begin to provide help and systemic support. Advice and feedback must be provided through a lens that helps to incorporate how an individual got there in the first place.

Personal finance requires social justice. It takes a village. It takes understanding. It takes resources, because everyone starts with a different amount. Debasing and downgrading a struggling family for being “financially irresponsible” is intended to shame — plain and simple. Psychologically, this method is flawed and does not tend to lead to positive outcomes. Instead, we must come to the aid — without judgment.

When we realize these values, people can better accomplish personal finance dreams and follow goals.

Filed Under: Social Justice Tagged With: creative writing, family, frugality, Income Inequality, poverty, Social Justice, story, Tips, Tricks

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