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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

5 Steps To Remove Ads And Stop Feeling Like A Flawed Consumer

By Frugaling 4 Comments

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Gigantic Louis Vuitton Suitcase Occupies Russia's Red Square Photo
Gigantic Louis Vuitton Suitcase Occupies Russia’s Red Square. Photo: Andrey Rudakov/Bloomberg

An Advertisement-Based Society

We’re living in an increasingly advertisement-fed society. Research suggests that billions of dollars are spent on advertising in the United States alone. Unfortunately, more specific numbers are hard to come by in the this largely incalculable industry.

What we can posit is that advertising works. Companies utilize time-tested and psychologically-approved marketing tactics to induce a biological need for the product – that intense craving. Nothing expresses this societal shift more than the novel and film, Fight Club:

You have a class of young strong men and women, and the want to give their lives to something. Advertising has the people chasing cars and clothes they don’t need. Generations have been working in jobs they hate, just so they can buy what they don’t really need. We don’t have a great war in our generation, or a great depression, but we do, we have a great war of spirit. We have a great revolution against the culture. The great depression is our lives.

The Flawed Consumer

Usually, advertisements point out the benefit of one product over another. But the most nefarious ads exclaim how flawed the consumer is to induce spending (often with beauty-related products). In fact, these ads can lead to greater materialism, fragmentation, body image concerns, and drinking behaviors (just to name a few). Successful advertising means a subsequent purchase occurs, and it’s a harsh reality for those affected.

Stopping the deluge of advertisements to your eyes may be impossible in the developed world, but it doesn’t mean you can’t fight back. Over the last year, I’ve been heavily researching consumerism, materialism, and spending behaviors as they relate to psychological decline. Even though we’re constantly advertised to (even on this site, sorry), reducing accessibility may see your bank account swell and your psychological health return.

Remove Ads And Follow These 5 Steps

The key is not anti-consumption (I’m not sure that’s possible); rather, critical consumption. For me, the best way to protect my budget has been the removal of as many ads as possible. The following are a few ideas to start you on a path of critical consumption, advertisement reduction, and wallet protection.

Step 1: Inoculation Training

To reduce the effects of advertising, it takes a defensiveness. Advertisements should be an affront to your senses. You will be advertised to, no matter what efforts you take (unless you live on an island without Internet nor access to the world around you). Becoming primed and defiant to ads is a key to frugality. Whether it be for moral or identity-based reasons, find a reason/way to dislike the advertisement in front of you. The further distance you find between it and you will directly influence the spending behaviors to come.

Step 2: Install Ad Blocking Programs

AdBlock is the king. This program works cross platform and browser to block ads before they even show up. Not only will it remove all the ads from sites like the NYTimes, but occasionally it blocks online video sites, as well. Installation is easy and within seconds, your online exposure plummets.

Step 3: Install Cookie Blocking Programs

Cookies are the stalker of the world wide web. These follow you without permission and are ultimately used to sell you relevant products. The easiest way is to block them entirely for implanting themselves. A program like Ghostery, which also works with Chrome and Firefox, will prevent the tracking for you.

Step 4: Unsubscribe and Filter Corporate Emails and Junk Mail

When a spam or junk email reaches your inbox, don’t just delete it. Spend the time to “unsubscribe,” mark it as spam, and/or create a filter to feed these messages straight to your trash can. Gmail offers a wealth of features to prevent further harassment – take advantage of it. As for unwanted mailers and credit offers, the most fun way to rid these is by installing a program called PaperKarma. The app works on both Android and iOS. Open the app, take a snapshot of the unwanted mail, and they’ll do all the work to unsubscribe you. Also, those regular emails you receive from Groupon, Amazon, LivingSocial, etc. are just ads. The best deal is not buying anything.

Step 5: Don’t Bring Ads Inside

Much like Step 1, this is a philosophical decision and action-based prevention strategy. Make a rule for yourself not bring ads into your home or workplace. If you do subscribe to magazines, newspapers, or other mailers that have ads, try to tear out the important parts and recycle the rest. There is a satisfaction from taking back control of what you read and see. Proactive prevention of advertising is key.

Note: Not all advertisements are inherently bad. Those present here help to support the costs associated with this website. Likewise, charities frequently advertise to encourage donations and support.

Filed Under: Save Money Tagged With: ads, advertisements, advertising, browser, Consumer, cookies, fight club, ghostery, paperkarma, web

I Am J. Money, Founder Of Budgets Are Sexy, And This Is How I Work

By Frugaling 13 Comments

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J Money Budgets are sexyA man with a clever moniker recently emailed me to tell me he shared a story from Frugaling.org. Fortunately, this was not a con artist; rather, a leading personal finance writer, consultant, and designer. He goes by the name, J. Money.

Credited with founding BudgetsAreSexy.com (in the top 30k of site worldwide) and Rockstarfinance.com, J. Money took a small hobby into a magnificent career. I made some time to chat with him about personal finance, blogging, and what he reads. These were his responses:

What inspired you to begin BudgetsAreSexy.com?

To be completely honest, I was merely looking for a more productive way to waste my time at work 😉 All of my colleagues would spend their down time on video games and MySpace back in the day, and since I had recently plopped down $360,000 on a house with no budget and absolutely no money down (I know, I know…), I thought starting my own site would help me hunker down a bit and have a little fun at the same time. I saw other bloggers sharing their entire net worth with the world which just fascinated me, so I thought I’d do the same and see if it helped anyone in the process. And now here we are 6 years later! A hobby turned full-time employment, pretty incredible stuff… Who knew you could make money sharing your thoughts?

How did people around you react when you first started?

J. Money
The Man, The Myth, The Legend

People in my real life, or people online? My real life friends/family/co-workers had no idea – I went completely anonymous just so I could be as transparent as possible and say whatever I wanted without worrying about the consequences. Which sounds a lot shadier than it is (how much trouble can you really get into talking about budgeting?? Haha…), but the freedom and excitement it gave me helped catapult this little project into something bigger and better than I could have anticipated. And now this “J. Money” guy is more real than the guy sitting here typing this to you! 😉 And has way more friends too, as nerdy as that sounds.

As for people online, everyone was (and still is) incredibly kind. I have never met a group of people more willing to help out and welcome you into a community than the personal finance world. Both the bloggers, and the readers. We’ve got a really amazing community here, and one you don’t easily find in this world. ESPECIALLY online. You always read about all the trolls and haters and people being nasty left and right behind the computer, but you rarely see it in our small space. I don’t know if I’d still be around if this weren’t the case.

What was your experience with design, code, web work prior to starting your site? 

Oddly enough I came out of college with a degree in graphic design and advertising, but I hadn’t used it an ounce in the 7 years leading up to my blog. So the second I was able to dabble in it all over again I was pretty happy! And so were my parents – I was finally using that degree 😉 Unfortunately my skills are still stuck circa 2001, but these days everything is built for the average Joe out there and anything can be easily figured out with Google. Especially with blogging and WordPress. So if you’re reading this and interested in starting your own site one day, please don’t be discouraged by the technicality of it all – you’ll be fine!

What advice would you give to those thinking about starting their own site?

Oh man, just pick a topic you’re passionate about and then get to writing! All of the rest of the stuff is important over time (the design, layout, SEO, marketing), but really it all starts with your words. And especially your “voice” – the way your personality shines through. There’s a million blogs on money or cars or fashion/etc, but the one thing you have that nobody else does is your voice. Own it and just be yourself when getting your thoughts out because it’s unique! You’re not trying to duplicate anybody else’s sites, you’re trying to make your own. And once you get going all the other stuff will fall into place.

Feel free to reach out to me anytime with questions or ideas, I’m happy to help! j (at) budgets are sexy (dot) com.

(Fair warning though, if you tell me you’re doing it for the money I won’t be able to help you. I’ve never met one person who started a blog that way and got successful. You have to do it because you’re interested in it and it’s fun for you or else you’ll burn out in a matter of months 🙁 It takes a substantial amount of time and effort to make anything real off it, and you’re better off rockin’ a different side hustle if that’s your motive – which is perfectly fine!)

How do you make money from your site?

I make money a handful of ways: display advertising, direct advertising, affiliates, blog consulting, and building out a number of other online projects that also do the same. For instance, Rockstar Finance showcases awesome articles on money in a more fun and visual way.

But there are a ton of other ways to make money too that I currently don’t do: freelance gigs, ebooks, real books, speaking engagements, products, and a ton of others. It really comes down to what you’re interested in, and what you’re good at. And the beauty of the online world is that the opportunities are endless!

What do you think you’ve learned from your readers and fans?

Pretty much EVERYTHING, haha… I joke that my blog’s like the dessert of personal finance, and everyone else serves up the meat and potatoes 🙂 My goal is to really just motivate people to stop and think about their money every once and in a while, so my writing style is very fluffy and diary-like. Whenever I want to talk about a more serious, in-depth, topic on finance, I’ll share a few light thoughts and then open it up to my audience to chime in and fill out the rest. And they’re great at it. Our community is probably the best thing about my site, to be honest with you. We’ve got a lot of (friendly) discussions going on at all times, and no one’s afraid to ask for help or give guidance. I’m always learning a ton from them.

How can somebody in lower incomes best overcome financial hurdles and prosper?

Probably by first stopping to track every single dollar in and out for a few months. Which is boring as hell, I know, but it’s amazing how your mindset changes once it SEES where all the money is flowing! The first time I tried this (early 2008) I was blown away buy where all my money was going, and as time progressed I started catching myself before spending foolishly because I knew I had to document it all later that week. And soon enough I was saving *hundreds* a month with no real downsize in lifestyle – it was awesome!

The other thing I’m always harping on is having *multiple* sources of income if you can. There are two sides of growing your money in personal finance – the “cut your expenses as much as possible” one, and then the “make more money” one. Both fine to do and helps you get closer to your goals, but in my opinion the “making more” strategy will get you to the finish line MUCH faster. So I tend to focus on that part a bit more, and showcase some of these other jobs out there in our Side Hustle Series of our blog.

Who are your financial role models?

Hmm, that’s a hard one. I don’t really think I have a specific person or two I look up to – I tend to get motivated by what the “everyday” people are doing out there. Whether it’s finding a unique way to save I hadn’t heard of before, or someone sharing their latest tax-hacking or investment strategies. And I tend to find these people in the comments of other blogs, or the handful of new bloggers that are popping up. As I mentioned in the advice question earlier, everyone has their own story to tell, and I relate a lot more to them than I do, say, someone famous or a financial “expert.” They just seem way more genuine to me.

What personal finance sites do you read?

I’m really into the “retire early” crowd right now, so most of my faves right now are in that area:

  • jlcollinsnh
  • Mad Fientist

And then more generally:

  • Afford Anything
  • Enemy of Debt
  • Len Penzo

What else would you care to share with the readers of Frugaling?

Just keep on paying attention to that money, baby! The more you focus on it now, the less you have to do down the road… As a blogger friend of mine once said, “Think of your dollars as employees. Each one has the power to earn an income for you!”

Now go check out my new website: RockstarFinance.com 🙂

Want to read more interviews like this one? Read the entire interview series here!

Filed Under: Interviews Tagged With: advertising, Blogging, Budgets Are Sexy, How I Work, Interview, J Money, Marketing, Rockstar Finance, SEO

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