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Going Green Is A Scam

By Frugaling 12 Comments

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going-green-bike-ride

The World Wildlife Foundation (WWF) announced that the world lost 50% of species in the last 40 years. Directors at the WWF credit this to human consumption. For climatologists and scientists, there’s a bleakness to the future — one that includes starvation, exoduses from low-lying areas, droughts, and wild weather year round. It’s clear that we need to reduce our fossil fuel usage, but how we do that is still a complicated endeavor.

The flawed governmental approach

Going green is often framed as a decision to buy “certified organic” foods, choose energy-efficient technologies, and chuck your empty plastic bottle into a blue recycling bin. While these conscious choices are more environmentally friendly and better, they seem to ignore the very real consequences of our consumption. To illustrate this point, the U.S. government suggests, “switching all the light bulbs in a home from conventional incandescent light bulbs to compact fluorescent light (CFL) bulbs…” Going green is seen as an additional item; without the latest energy efficiencies, you’re not green.

Compact Fluorescent Lightbulb (CFL)
Photo: Mike Mozart/Flickr

As the government site shows, they exclaim the ills of conventional bulbs and recommend purchasing CFLs. Unfortunately, that mass waste and consumption of a new product goes unnoticed and unaccounted for. By immediately trashing all your old bulbs for the latest and greatest green tech, you’re simply ignoring the true life of a product and upgrading before it’s necessary.

The U.S. government should be encouraging people to take full advantage of the natural lives of products; instead, we hear how we should switch every bulb in our home. They are training you to have a faster turnover and consumption rate. Eventually, they’ll be recommending you switch all the CFLs with LED lights, which last longer and take even less energy. This technology is definitely better for the environment, but each transition creates massive amounts of waste, and the new products require marketing, packaging, shipping, storage, warehousing, and a consumer that will likely drive (consuming fossil fuels) to purchase the new bulbs.

Big green is big business

For the federal government, going green cannot mean consuming less. Pro-business entities and lobbying groups would launch a massive critique and attack if that was stated. Our economy is not equipped for people to stop buying. This capitalistic system is predicated on infinite growth; a pyramid scheme that will end at some point, but whose leaders hesitate to bring its early demise. Unfortunately, the government can’t properly advise its citizenry regarding climate change prevention.

At some point, going green was co-opted by “big green” — the big business approach to energy efficiency. Big green needs you to keep spending, too. With this aim in mind, they’ve warped the dialogue into a justification to purchase more. The irony is that by buying more — in order to be efficient — we’re digging ourselves into a deeper hole.

Just look at the first sentence from this Huffington Post article: “Saving energy and water can be difficult, but now there are plenty of gadgets on the market that aim to make the process easier for you.” This comes from the “Huff Post Green” section! Articles like these (which are everywhere) advocate buying more gadgets and technology, and are only contributing to this horrible, repetitive consumption.

Even at my alma mater, Colorado State University, the institution had a habit of touting its green initiatives. All the brochures advertised the push to use renewable energy and active involvement in recycling. These are commendable efforts, but there’s a hypocrisy to it all. Throughout my years there, they were always building — I never knew the campus without yellow construction taped areas, sounds of construction, and digital photo representations on the buildings to come. All that development adds tons of pollution to the air and creates epic proportions of waste. Cranes, bulldozers, and industrial materials would all be necessary to complete the buildings. The carbon costs for these components often goes uncalculated and unnoticed.

Then there’s the story of the Toyota Prius. In 1997, the company released this awfully designed hybrid monster. Getting around 50 miles per gallon (MPG), the Prius became a popular vehicle with a clear message: “I care about the environment.” When considering the technology and energy that’s required to make it, it’s scary. The battery cells, which recharge when braking and coasting, harness energy that would otherwise be lost. But they are an environmental nightmare and difficult to dispose of properly. Moreover, the Prius gets about the same gas mileage as Honda Civics from the late 80s and early 90s. The Honda Civic Hatchback from 1992 got about 48 MPG; no hybrid battery cells needed, and for a fraction of the cost on your wallet and the environment!

Finding a real solution

We’ve been duped into believing the solution to climate change is another purchase. In reality, the better answer would be to say, “Stop where you are, turn off lights, protest for change, and don’t buy anything for a year!”

Cracked Earth Climate Change
Photo: Alosh Bennett/Flickr

Most moderate voices understand that we cannot become Luddites to combat carbon emissions. The world has become increasingly connected and globalized — it’s hard to imagine regressing whatsoever. Technological development is only ratcheting up, and people are embracing the progress fervently. But our course is not sustainable.

We need to consider movements to buy local crops and goods, collective markets and organizations, and ignoring the message to buy more to save. Going green doesn’t have to hurt your budget. It should be about consuming less and supporting sustainable development. What could be better for your budget?

Filed Under: Save Money, Social Justice Tagged With: carbon, change, Climate, Development, Economy, Going Green, Green, Growth, Honda Civic, Prius, Scam, Sustainable

My Bike Ride Disaster: Wet, Dirty, And Full Of Road Spittle

By Frugaling 11 Comments

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Bike ride through the city
Photo: Dustin Gaffke/Flickr

My first fall in fall

This summer I purchased my first bike in years. It quickly became an enjoyable habit. My body became stronger and I can now bike about an hour before getting really tired (backpack and all). It’s forced me to think about climate change and my impact on society; thankful too, because I’m individually reducing carbon emissions. But I’m also open to the elements like never before, and that comes with serious risks.

It was drizzling today, and the roads were riddled with puddles and rivers. If I still had a car, I wouldn’t have thought much of it. I would’ve been isolated from the elements. Cars are protective bubbles and creature comforts. My commute into work would’ve been simple and relatively safe. Instead, I took the first fall on my bike.

Every time I hop on my bike I realize all of the variables that are working against me: my brakes might not work, a car may hit me or otherwise cause me to lose control, a tire may pop, etc. Unfortunately, I wasn’t considering the most obvious possibility this morning: pedestrians.

As I made my way to campus, I took note of my increasingly moist bum. I reached back to check, and found a nice patty of road spittle. Yes, this wasn’t one of my favorite bike rides. Nonetheless, I had no other option at this point and needed to get into work on time. My legs peddled onward.

I crossed the river and was nearly there. The light was green and I began to turn right, when a group of pedestrians crossed illegally. My brakes squealed, as I squeezed to prevent hitting one of them. Then, the bike lost traction and I completely slid off and down. My entire right side was covered in dirt and rain and ominous road schmutz.

People called out, “Are you okay?” Despite the immediate feeling of road rash, I hadn’t hit my head or broken anything. Someone picked up my coffee mug, and handed it to me. I fixed my helmet, put my mug away, and biked another 300 feet into work.

My foreign, happy reaction

But despite this inconvenience, anger, and wetness, I’m curiously happy. Even I question that feeling, “How could I be happy after a group of pedestrians caused me to slip and fall? How could I be happy sitting in wet clothing?”

Well, I’ll tell you!

When I first bought my bike, I wondered how long it would be before I was craving a car. But that feeling never came. Aside from stealing a ride with friends here and there, I haven’t driven more than a handful of times since mid-summer. Each month, I’ve been able to save an extra $300 dollars per month by not having a car (loan, gas, insurance, repairs, maintenance, etc.). Selling the car and pocketing the savings led to a reversal in my net worth, too. I’m finally in the black! And from a future standpoint, each time I take a bike or bus, I am contributing to a different carbon economy.

Dealing with winter

The seasons are changing. And now that I no longer have a car, I feel it like never before. My clothes are soaked and my body is ice cold from the spill. Work feels a bit more uncomfortable with the growing bruise engulfing my right side.

The weather will worsen. Winter in the Midwest is a horrific tragedy of gray and cold. Biking consistently through that will not be possible. While there are some buses that run through the area, the timing of interchanges may lead to severe delays and time lost. It will be a major time to question transportation and work-life balance.

No matter what happens, I’ll be sure to update you on my choices and how they affect my budget. For my bikers out there, be safe and ride on! And, read this awesome article about bike safety from Grist.org!

Filed Under: Save Money Tagged With: Bicycle, bike, Biking, campus, debt, net worth, Ride, Road, savings, school, transportation, Work

How Do Your Favorite Companies Make Things Right?

By Frugaling 9 Comments

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Last week I prepped and dressed for a major event at my college. Deans and various important people would be in attendance. My energy was waning from a long week, and I needed a coffee first. I ran up the block to the Starbucks and grabbed my regular “short” coffee. That’s when some serious trouble started.

When I left the store, I noticed the cup was leaking. Drips were landing all over the concrete, and despite attempts to avoid my clothes, the coffee stained what I was wearing. I thought, “Great! Nothing better than being around everyone in the college with big stains.”

I decided to snap a shot of the cup and tweet @Starbucks. And surprisingly, customer service asked me to email them. I emailed them last week and did not hear anything for a couple days.

Please @Starbucks!!!! Fix your cups. pic.twitter.com/IwX8OLynIr

— frugaling (@frugalingorg) September 26, 2014

Today, I received a response:

I am so sorry the lid was leaking. I want to thank you for bringing this issue to our attention, and assure you that your feedback has been forwarded to our manufacturing department for further review. This is definitely an issue we need to get fixed. I would like to invite to participate in our bring your own cup promotion that will give you a $0.10 discount on your beverage purchase. I would like to send you a Starbucks Card that you may use towards the purchase of your own personal tumbler. If you would please be so kind to reply to this email with your name and mailing address and I will send it right out. Thanks for giving us the opportunity to fix something that went wrong. [emphasis added]

My head goes in two separate directions regarding large, multinational corporations. On one side, I think about their effects on local communities. Starbucks is notorious for ousting local coffee shops and destroying competition. Many companies (here’s looking at you Wal-Mart) exterminate mom-and-pop stores that can’t buy large enough quantities to lessen consumer prices and maintain margins. On the other side, there are companies that actually try to make things right when your experience is negative. Starbucks is one of them.

Large companies have arsenals of social networking and customer service individuals. Some recognize that an awful social media presence and negative comments can weigh on profits. While motivated to quiet negativity, some actually reach out to correct experiences and leave you happy to come back.

Starbucks isn’t alone. My favorite companies know how to make things right. For example, I’m a big fan of Zappos, the online shoe retailer, because of their customer service. I’ve received incorrect sizes, colors, and flawed objects. Each time that’s happened, I’ve been able to receive next-day replacements and refunds. There was even a time when they accepted a return on running shoes, which had given trouble on my feet but had already been broken in. That secured my loyalty with the company.

As a frugal person, it’s important to consider where I make my purchases. Not every item will work out. When those occasions arise, I want to be able to trust that my goodwill can be returned in kind. Frugality is about more than low prices. It requires an active role in consuming goods — aiming to find long-term value.

Here are some tips for finding companies that respect your choice to shop with them:

  • Do they accept returns without receipts?
  • Will they allow you to return, exchange, or replace without question?
  • How easily can you reach customer service? Are they just a tweet away?
  • How do your favorite companies make things right?

What are some of your favorite companies? How do they make things right?

Filed Under: Save Money Tagged With: Coffee, Companies, customer service, Make things right, retail, Starbucks, zappos

Stop Dehumanizing The Poor, Homeless

By Frugaling 16 Comments

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Anti-Homeless Spikes Hostile Architecture Photo
This is an anti-homeless spike in London, England.

The last couple weeks I’ve suffered from intense writer’s block. My mind has been focused on something more important than this site (sorry, frequent readers!): graduate school. Part of my role as a doctoral student requires gaining experience counseling others. This year I’ve acquired a spot at the local homeless shelter. It’s forever changed my understanding of homelessness and the financial concerns/distress they face.

Prior to working at a homeless shelter, my perspective was naive and simple. Generally, I felt for them and wondered how I could most help. Whenever I spoke with friends, I talked about how we should help people like this. Sometimes I gave pocket change or a cup of coffee to someone on these streets. But despite a couple moments in high school as a soup kitchen volunteer, I had never taken the time to serve/help the most vulnerable in America. That bothered me.

I’ve been at the homeless shelter for about a month now. The experience is different every day, and because it’s related to the practice of counseling psychology, I can’t say much about it due to confidentiality. What I can speak to is that the people I’ve met smashed my preconceived notions and gave me a framework for understanding how someone gets there.

This great country heralds a flawed understanding of success and path to achievement. Basically, we oversimplify the rules of society and deliver a soundbyte to a highly complex idea: work hard and you’ll succeed. This is a disservice to everyone; the fortunate and suffering, alike.

We have resources in this country that help young adults, but they don’t guarantee success. The world needs to receive this message — not only our country. This meritocracy claim is flawed. The importance and reliance on hard work, self-motivation, and personal responsibility are beautiful aspirations, but they don’t adequately account for the many variables that attack individuals’ abilities.

Trust me. There are cracks in society, and people fall through them. I’ve seen it in the flesh. Medical bills from horrific accidents can pile up, leaving someone unable to work or transport themselves. The financial burdens can quickly engulf any hope for personal dreams. When I ask most people what they’d like to do if they could choose something, most answer that they just want a decent job — that pays the bills. That’s all.

See, the American dream is dead for many in this disenfranchised group. They’ve been kicked around from home to home, job to job, bill to bill, with little support. When I ask this privileged question about dream vocations, they can’t answer. It hurts to hear, but I can empathize with how they got there.

Hard work, self-motivation, and personal responsibility don’t account for death, abuse, domestic violence, psychological illness, and disabilities (to name a few). Each of these unaccounted for variables are swept under the rug, and personal finance websites often miss this target population entirely. Hell, most homeless people have severely restricted access to computers. Many need to go to public libraries to access the Internet — and only for short periods of time. Moreover, I can’t imagine many of them venturing on to personal finance websites because their problems are more fundamental.

Maslow’s hierarchy of needs was introduced in 1943. The pyramidal structure postulated that individuals move through a process of needs, ultimately getting to “self-actualization.” If all your needs were met, you could feel secure, safe, and self-confident. Unfortunately for the most vulnerable, creativity, critical thinking, and problem solving skills are reserved for states in the highest level of the hierarchy. When basic needs such as food and shelter are of concern — worrying about where the next meal comes from — it can be challenging to imagine personal finance questions or plan for that dream job. Despite the psychological understanding and history for the hierarchy, society largely ignores it.

Boasting on and on about complex ideals in American society, we can become inured and desensitized to the struggles of these people. I’m a firm believer that we naturally want to help others. But with homeless people, we seem to make exceptions. For instance, I’ve heard many say, “I would donate or give change, but they’ll probably just buy drugs and alcohol.” I’ve seen parents squeeze their children tighter, as they pass a homeless man. Most people that see a sign and cup pass without glancing — purposely avoiding eye contact. Society allows this dehumanization. That’s considered normal and okay. Who else in society can be so easily cast aside?

With psychological dissatisfaction directed towards the most vulnerable, society can sometimes get creatively disturbing. For instance, The Guardian recently profiled a horrific rise in anti-homeless architecture:

“…stainless steel ‘anti-homeless’ spikes…appeared outside a London apartment block recently, the benches are part of a recent generation of urban architecture designed to influence public behaviour, known as ‘hostile architecture’.”

That simple quote doesn’t do justice for the medieval constructions. From silver daggers that prevent curb-sitting to park benches with added breaks to prevent laying down, this design destroys comfort for those with nowhere else to go.

Today, I’m here to say that it’s not okay that we tell people, “You get what you deserve.” We need to deconstruct these faults and create an inclusive, collective, supportive society. It hurts everyone when we demonize and destroy the most vulnerable. In fact, it’s cheaper to give homeless people shelter, food, health care, and job training, instead of doing nothing.

As an avid writer and reader of personal finance blogs, we have a ways to go before we meet this population’s needs. How can you make a difference?

Filed Under: Social Justice Tagged With: American Dream, anti-homeless, debt, Finance, homeless, hostile architecture, Maslow, Personal Finance, poor, poverty

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