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Frugal Articles of the Week

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Reading Nook Photo

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

This powerful Reddit thread reveals how the poor get by in America by Max Ehrenfreund
What does poverty in America look like? It can be difficult to truly understand, but this Washington Post article aims to capture some of the harder parts. They found a Reddit thread of real-life examples of poverty, and what people sacrificed to get by. It’s a painful reminder that we have a lot of work to do to reduce poverty.

How to Spend $50 a Week on Groceries by Cat from Budget Blonde
One of the most difficult parts of my budget is food. I eat out too much, and have some weird reactions to certain foods. Cat explains three awesome methods for saving on your food budget and staying at $50 per week! Really impressive job.

Why Wages Won’t Rise by Robert Reich
From the Clinton White House to University of California, Berkeley, Robert Reich has been a leading economic thinker. In this article he explains how — despite greater employment rates — wages aren’t rising as we might expect. The culprit is complicated, but might be related to greater automation.

The Bling Dynasty by Devin Friedman
“Communist” China isn’t looking so equal. Over the last decade, hundreds of people have become billionaires. And in turn, corporate giants have flocked to China for a piece of their wealth. In this crazy ride of an article, Friedman catalogues the wacky world of China’s new rich — spending money wherever they can.

Filed Under: Save Money Tagged With: Articles of the week, China, Employment, Frugal, groceries, poverty, reddit, Wage

Free Will Isn’t Real, Until We Do This

By Frugaling 3 Comments

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Hammock Good Life Free Will
Photo: Angie Yates/Flickr

Free will: an American value

Free will is defined as, “the power of acting without the constraint of necessity or fate; the ability to act at one’s own discretion.” This concept — along with self-determination and willpower — are at the heart of America’s capitalism and democracy. Fundamentally, it’s the ability to choose actions without restrictions.

Americans tend to hold free will in high regard — whether you live here or not. When the system is working, people are working. When people are working, they should have increased free will. The mainstream message is that if you work hard, choose wisely, and are entrepreneurial, you will surely succeed.

How to envision another’s free will

Unfortunately, free will is a philosophically dense, nightmarish concept to swallow. The aforementioned dictionary definition doesn’t speak to the measurements of “one’s own discretion.”

For instance, what amount of free will does a…

  • North Korean have under a “supreme leader’s” rule have?
  • Child living in a physically and emotionally abusive household have?
  • Minority living in Ferguson, Missouri have?
  • Woman working on Wall Street have?

In each of these disparate examples, an individual has their free will impacted. The North Korean doesn’t have access to the Internet, controversial literature, and cannot speak in critique of their leader. The child living in an abusive household has no money, a small social network, and little experience (if any) experience escaping the oppressive household. The minority living in Ferguson, Missouri might feel coerced or pressured by the current police presence, and suffer from racial stereotypes in the workplace. The woman is in a world that’s eschewed the role of women, and frequently denigrates their intelligence and place in business.

Free will is not universal, but relative

Despite contrary evidence, America continues to trumpet free will as universal and absolute. You have it, and always have it no matter who or where you are — absolutely.

In reality, free will appears to be relative and on a spectrum. This means that the free will I experience day-to-day would differ based on location, if I was a different race, income class, etc. There is no absolute — only more or less.

At times, I’ve criticized the idea of free will because it’s frequently used to explain class and income differences. It can be used to blame people, instead of properly attributing individual and societal variables. The message goes something like this: “If they would just work harder, maybe they’d be more successful.”

Messages manipulate our free will, too

Recently, I wrote about refusing to be a “customer in training.” My argument was that IKEA’s powerful brand recognition and loyalty efforts affected my shopping decisions. Moreover, that being a child, exposed to IKEA’s lifestyle design affected my decisions as an adult.

One of the common complaints I heard from readers was that I was blaming the corporation for my own decisions — that I wasn’t taking responsibility for my actions. Essentially, the critical readers were suggesting that I had free will, and should know better — that I chose to purchase IKEA products (regardless of being exposed as a child). Rather than deny that claim, I hesitate to provide an answer to it, as I don’t have one.

Those in Western society are born with advertising everywhere. We never had the free will to say “no” to ads. We never had the free will to prevent magazines, TV shows, and billboards from advertising us at every waking moment. And now, many businesses (including this one) use advertising to supplement revenue that wouldn’t otherwise be there. I wouldn’t make a dime off my website and the time I spend would never be paid, if there weren’t ads.

Advertising works, too. People buy after seeing external messages. The industry is growing at epic proportions, and it’s hard to find an accurate number for the amount of money spent to advertise to consumers. What we do know is that research suggests people are tremendously affected by emotionally provocative marketing campaigns. Thus, companies will continue to advertise.

Financial free will isn’t real, until we do this…

Today, I urge you to question the concept of financial free will — that some have worked harder than others for wealth. If not for yourself, then for others who might not be as well off.

Recognize free will as relative and on a spectrum

We are born into a society with relative free will — on a spectrum of more or less — and we are targeted via advertisements to spend and/or “choose” one product over another. We are manipulated for dollars — in complete contrast to the ideals of free will.

Notice that successes and/or failures are both individual and societal

Additionally, it doesn’t do us any good to blame one’s failures or successes on pure individual free will, hard work, and entrepreneurism. Instead, we need to properly attribute the societal, cultural, and communal attributes that helped that individual accomplish their goals.

Develop a skepticism towards advertisements and external pressures

This can be tricky to accomplish. Advertisements are everywhere. Fortunately, you can reduce advertising messages by turning off the TV and downloading Internet ad blockers. Those two steps alone will prevent most of the messages from getting through. Remember that nothing truly necessary should need to be advertised. If it’s being advertised, it likely isn’t a necessity like air or tap water.

Provide equal opportunity to others

To truly have a functioning democracy, meritocracy, and informed electorate, a society must have strong health care, education, and living wages for all. As these needs are restricted, so are the dreams for future generations and social/income mobility. By providing these basic living standards, more people will succeed.

Filed Under: Social Justice Tagged With: advertisements, advertising, America, Capitalism, democracy, equal opportunity, Free Will, Marketing, Social Justice

Refuse To Be A Customer In Training

By Frugaling 7 Comments

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Consumer in training Whole Foods cart

A seed is planted

As a 4 and 5-year-old, I slept comfortably on an IKEA bed frame. Like many of their products, it was probably called a Flickanflack, Dottbland, or some other uniquely random, proper Swedish name.

I remember a drawer that occupied the bottom of the bed frame — so large that I could fit my little self inside it. When the drawer closed, and the world turned off, I felt protected — even if I was a little afraid of the dark. Nothing could find or get me in my enclosed space.

My parents would go to IKEA and drop me off at Småland. This little taste of the Scandinavian language was the play place for children. Parents could browse through the store — even eat lunch — and then come back to pick up their kids.

Lucky for my parents, I actually liked the place and it afforded them some time alone. They could breathe easy, and I could have fun — a win-win (we thought). Unfortunately, something more nefarious was cemented at this young age, and it directly affects how my room looks today.

Companies market to nostalgia, memory

A couple weeks ago, I read an article about cereal marketing. It turns out that marketers know how to manipulate us to feel nostalgic responses — craving feelings from our past that can trigger consumption.

One food and consumer trend analyst suggests that “nostalgia is an important weapon in a marketer’s arsenal.” This effect was recently envisioned in the return of General Mills’ French Toast Crunch cereal.

For Millennials, this cereal brings back memories of childhood and happiness. And the company wants to recreate those emotions and benefit from increased income.

Like the potty, consumerism takes training

Some companies openly display their child-targeted tactics. For instance, Whole Foods, which has a wealth of natural and organic food options, provides tinier shopping carts for children. Attached to these mini-carts is a flag with a message: “Customer in training.”

Subtly, General Mills, IKEA, and Whole Foods (to name three in a sea of companies) display the power of marketing to children. By reaching young minds, ideas can be implanted for later use. Many of their efforts are initially free or nominal.

Swimming in the ball pit, playing video games, and racing around IKEA’s Småland didn’t exactly feel evil. As a child, I wanted that environment; heck, it was more entertaining than what was at home. I welcomed those moments.

The perfect corporate consumer creation

Companies are playing a long game with children’s minds. This training can suddenly be activated at a company’s discretion — making us adult automatons and primed for consumption. It’s the tinge when we walk down the cereal aisle and feel a pull for Captain Crunch, Reese’s Puffs, and Life. These are marketed moments of nostalgia.

Children become inclined to the shapes and designs of IKEA furniture when it’s in their rooms and they’re visiting the fun, comfortable ball pit. And I was just one of the many affected by these tactics.

IKEA Catalog on table

In 2011, IKEA opened their first store in Colorado. As a student in Fort Collins (northern part of Colorado), I made the hajj-like journey to the store only days after its opening day. Again, there was a magnetic force pulling me to visit, purchase, and come back again.

Walking through the doors, there were a flood of emotions, but I couldn’t resist smiling. The smell of cinnamon buns and fresh wood tickled my senses and felt familiar. That familiarity led me to buy a desk, bed frame, side tables, a chair, stool, and many other odds and ends.

Hundreds and hundreds of dollars later, I had become the perfect corporate consumer. IKEA’s tactics had worked, and at the time, I couldn’t even seen the connection. I just felt this unknown gravitational pull.

Preventing childhood brand loyalty

Before I go any further, I’m not sure that most people in Western culture can prevent children developing brand loyalty. Billboards, magazines, TV shows, shops, restaurants, and everything in between serve as powerful anchors for future consumers. Children are psychologically changed by these messages — corporations know this and parents should, too.

The consequence of perfect implantation of these advertisements is that people do not want to relinquish the connection. As a frugal person and advocate of minimalism, I can tell you that I still like IKEA. If someone said I couldn’t shop there any more, I’d be upset. The company’s gigantic, warehouse-like stores are too familiar to imagine letting go of. I’m deeply loyal to the brand.

Nonetheless, in this world of marketing, there are a few things parents certainly can do to raise children that evaluate these external messages.

1. Avoid companies that target children

For many parents and families, this is challenging. Most supermarkets and big-box retailers model the stores to affect children. Cereal aisles are, again, the perfect example. Children’s cereal is placed lower to the ground, features colorful packaging, and fun cartoon characters. Parents can decide to avoid shopping with children when possible and protest companies like Whole Foods that actively recruit consumption in children (i.e., “Customer in training” carts).

2. Be skeptical of “free” offers

There are many samples, courtesy gifts, and free offers for parents and their children. When a child is surrounded by certain products, a connection develops. If there is comfort in these items, those children will likely continue the cycle of consumption for that particular brand (whether they know it or not). IKEA’s play place may be free in price, but their corporate goals are to create return shoppers for decades to come.

3. Talk with children about the messages they receive

Advertisers don’t tend to explain themselves to children. It’s not like kids are provided a consent form that tells them what advertisements can do to them. But the young mind is malleable. What makes children incredible sponges for knowledge also makes them susceptible to untoward marketing behaviors. As parents, guardians, teachers, and leaders, we can share some of the truth and help explain how companies aim to affect our emotions negatively (by manipulating us to feel nostalgia and happiness).

Filed Under: Save Money, Social Justice Tagged With: Advertisers, Children, Consumer, Consumerism, Customer, General Mills, Ikea, Marketing, Minimalism, Nostalgia, Whole Foods

Frugal Articles of the Week

By Frugaling 2 Comments

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Reading Nook Photo

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

It’s Impossible To Stay Retired Once You Retire Early by Sam “The Financial Samurai”
The Financial Samurai has been writing for years about personal finance. His style is unique in a world of tired financial advice. He goes beyond that 5 tips to save money on groceries. In this article, Sam reflects on his time as a retired man, and why he just can’t quit working. Brilliant story!

The Cable Diaries – Final Chapter by J. Money
When he looked at his $170 per month cable bill, J. Money decided to take action to reduce it. In this running series, J. shows readers how he has saved money. He introduces every product and necessary component to help you switch away from cable.

What A Year Without Clothes Did For Me by Mrs. Frugalwoods
Using the funny moniker, Mrs. Frugalwoods, this adventurous budgeter decided to go without clothes. Well, not quite without any clothes! She made a pact not to buy any new clothes for 2014. Read on to see how she did!

Slow Cooker White Chicken Chili by Beth at Budget Bytes
I’ve been following Beth’s recipes for years now. She runs one of the best frugal-friendly websites out there for saving money and eating well. Her recipes are broken down by total cost and serving size. This Chicken Chili looked fantastic!

Filed Under: Save Money Tagged With: articles, Budget, Cable, Clothing, Cooking, Financial, Frugal, groceries, Recipe, Retirement, Shopping

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