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Stopping Time Is Expensive, Isn’t It?

By Frugaling 20 Comments

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Buzzed Haircut

I started cutting my hair in the second year of college. Nascent tingles of frugality seemed to start that year, and I was looking for a way to save time and money. Buzzing my own hair solved both, as I probably saved $10-15 every time.

Going on my 7th year (and hundreds in savings), I can’t help but notice how many phases I’ve gone through. My hair’s been slicked back, spiked up, buzzed off, and everything in between. I’ve experimented and built up some skills over the years. Each style gives me a different drive.

Ostensibly, based on every kind word I’ve ever received, I look good when my hair is in between that spiky and slicked-back phase. It kind of has a natural tousle. I feel more confident “wearing” that haircut, too. If anything, this is the look I like when I’m dating.

But today, with buzzers in hand, I debate — once again — whether I should buzz it all off. It’s like hitting the reset button on my head — physically and emotionally. Instantaneously, I look like a Marine reporting for basic training. I don’t know that the style suits anyone, but it’s simple to maintain. Rinse off and you’re ready to go.

Each time I cut my hair, I’m forced in front of a mirror for long periods. I scan over every area of my scalp, and trim the sides by hand. It takes careful precision and patience. What starts out as necessary often becomes obsessive.

I start to see how I’ve changed and aged over the years. I didn’t look like this 7 years ago. I didn’t have fraying sides or a mysterious patch in the back when I first started. My hair was darker, too.

Stand in front of a mirror for any length of time, and my eyes begin to pour over every fault. The extraterrestrial divots of bad acne, the crease of a scar from childhood, and discoloration speck sit atop my face. History via epidermis.

I can’t help but notice, and wonder how to “fix” myself. My consciousness asks, “How can I improve this person in front of me?” Briefly, nearly every time, I think about who I want to be and how this physical presentation has aged in strange, foreign ways. Frankly, resisting it is what I’d like to do.

When I think about why I ask these questions and try to improve my physical features, I come back to the same conclusion: I want to be attractive. I want people to like me. I want to be able to date freely, and not have some strange physical feature that makes me stand out too much — that makes me “odd.”

As I probe my mind for why I think this way, I can’t help but reflect on a culture that encourages us to age slower, and if worst comes to worst, reverse it. We value youth and agelessness. Even more, we seem to be quick to ostracize those who are… different.

It’s in the resistance to aging that things seem to go awry. Suddenly, we spend countless dollars on creams, ointments, and cleansers to freshen our bodies. The average markup on cosmetics is about 78 percent. We’re desperate for something that once was us.

I hate to admit this, but I’ve already purchased many of said products before. There was a tanning cream when I was younger, with the hope of making me less pale and gaunt. All it did was make me look more like an oompa loompa. There were tens of creams and remedies and medicines for acne. They just made my skin red like a Skittles package. I went through expensive scar reduction bottles. And then those whitening strips that bleached my teeth to unnaturally white levels.

It went beyond youthfulness, as I wanted to be good enough — to be worthy of attention. The only way I knew how to make that happen was by spending money. There was one colossal problem: this was money I didn’t have, as I was using student, car, and credit loans to finance these adventures in attractiveness. My debt grew with this desire for outer worth.

$10, $20, $30, $40, and $50 at a time, the money drained out of my pockets and into the coffers of beauty and “hygiene” companies. I can’t imagine how much I spent on these products in total, and part of me is thankful to be without an amount. Just imagining how that money could help me and others causes my gut to wrench.

Most of us can logically say that change is inevitable, and resistance is futile. But that’s the tough part, beauty, attraction, and youthfulness are powerful, emotional drives. They push psychological buttons that aren’t rational. Before we know it, we can virtually or physically pull out our wallets and let corporations take us for all we’re worth. Stopping time is expensive, isn’t it?

I slap on a 2 clip and flip the switch. The gentle vibrations hum up my arm, and the sound of a little lawnmower ignites. Momentarily, I hold the buzzer up and wonder if I should do it. Do I really want it to be so short, simple, and plain?

It’s not till the first clump falls off my head and into the sink that I realize what motivates me to do this. I’m saying no to the system that says beauty looks one way. I’m saying no to products that would wash, condition, and spike my hair. I’m saying goodbye to resistance. I’m saying hello to fault, age, and the very probable/highly likely/I-don’t-know-how-it-won’t-happen chance that this hair won’t always be here.

It’s practice for the big day.

Filed Under: Save Money Tagged With: Age, Aging, Attraction, Beauty, Buzzers, Cosmetics, Creams, hair, haircut, health, money, Products, time

$200 Food Budget Failure?

By Frugaling 64 Comments

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This January I set out to spend only $200 for my food budget. I failed miserably. Thankfully, I learned how to continue reducing the total.

You spend how much on food every month?!

Last month I ventured into the unknown and created a food and drink budget. Yes, this frugal guy had created a budget in prior months, but time after time, I was over $400 per month. It was ridiculous and hurting my chances to stay out of debt.

Working 60 to 80-hour weeks made me tired, cranky, hungry, and constantly on-the-go. I was stressed, and had all the symptoms of having four positions: counselor, student, instructor, and writer.

I’d frequently feel hungry and be without food, which was a recipe for disaster. Preparing lunches was a mental hurdle, as I would constantly procrastinate to avoid it. I spent way too much money on fast food (i.e., salad bars, Subway, etc.).

Even when I packed snacks and lunches, I blew through it and bought more. I was hungry and I let that natural desire overpower my frugal side.

Individual and social pressure to make a change

Frankly, in the frugal community, $400 per month for a single guy’s food and drink budget is embarrassing. Cue the chortles and disdain. But perhaps I can circumvent and prevent a potential audience-led diatribe by saying, I want to own it.

I was failing to properly save in this domain. Something had to be done.

Then, I saw an article by a fellow personal finance blogger, Laurie, of The Frugal Farmer. She explained how her family of four spent about $215 on food for one month. My cheeks reddened. Here was an entire family doing a better job than this one guy.

After that article, and in the face of a new year, I decided to set my own goal for January: $200 for all food and drinks. If they could do it, why couldn’t I?

This isn’t going to be easy, is it?

So, in January, the month of resolutions, I decided to embark on this new budgetary goal. Like a Messiah warrior preparing to do battle, I wanted to defeat this budget buster.

Pulverize! Demolish! Obliterate!

I thought, “This should be easy enough. I’m a single guy, and don’t have fancy meals. Yes, I have some allergies, but that shouldn’t affect my shopping much.”

Four days passed before I went to the grocery store. The trip came in just over $74. I remember my buddy asking me whether I could make it the rest of the month.

“You only have $125 left, then,” he said.

My reply was cool and nonchalant, “Well, I actually spent a bit of money on food while traveling back to Iowa from Colorado, and went on a date the other day. In total, I’ve spent $125.”

He smiled and shook his head. And I stubbornly stayed optimistic. Little did I understand, it wouldn’t take me long to cross that $200 line.

Timeline of my busted food budget

For the purposes of this month experiment, I took day-by-day notes of what I had purchased and why. The following is a timeline of purchases and inside look at how I totally failed.

Day 1: $8.05 (McDonald’s breakfast, drink later in day)
Day 2: $12.19 (Dinner while traveling)
Day 3: $0
Day 4: $103.35 (Breakfast date and groceries)
Day 5: $0
Day 6: $2.28 (Coffee)
Day 7: $5.04 (Coffee date)
Day 8: $0
Day 9: $0
Day 10: $0
Day 11: $52.53 (Bar date and groceries)
Day 12: $0
Day 13: $6.34 (Groceries)
Day 14: $4.92 (Snacks)
Day 15: $0
Day 16: $10.40 (Groceries)
Day 17: $54.38 (Groceries)
Day 18: $0
Day 19: $28.42 (Groceries)
Day 20: $0
Day 21: $0
Day 22: $0
Day 23: $0
Day 24: $45.82 (Groceries)
Day 25: $0
Day 26: $28.97 (Groceries)
Day 27: $0
Day 28: $0
Day 29: $0
Day 30: $0
Day 31: $0

Total: $362.69

What the heck did I buy?

Generally, I have a simple diet. The one caveat is that I’m on a modified gluten-free diet (low FODMAP) for IBS. Let me tell you that if I break away from these dietary restrictions, my intestines quickly fall apart and I’m lethargic, gassy, dyspeptic, and cranky. When I can follow the highly restrictive, plain diet I feel better. The consequence is that I have to buy some more expensive gluten-free items to feel healthy.

Breakfast foods
  • Cereal (rice or corn-based)
  • Oatmeal
  • Eggs
  • Turkey bacon
Lunch foods
  • Gluten-free bread
  • Turkey meat
  • Sliced cheese
  • Mustard
  • Lettuce
  • Peanut butter
  • Jelly
  • Spinach
  • Carrots
  • Cherry tomatoes
  • Bell peppers
  • Balsamic vinegar
Dinner foods
  • Frozen salmon
  • Rice
  • Frozen vegetables
  • Gluten-free pasta
  • Tomato sauce
Snacks
  • Potato chips
  • Gluten-free pretzels
  • Bananas
  • Grapes

What went wrong with the budget and plan?

After I read Laurie’s article, I was amazed by their depression-inspired goals and budgetary constraints. Even though they weren’t able to keep it under $200, either, they were remarkably close (~$215).

I wasn’t anywhere close to my goal. There were various potholes and hiccups that I never expected when I first started this experiment. Here’s where I got tripped up:

Single, but dating

While I’m a single guy, on occasion I’ve been known to go out with women. I know, mind-boggling! Despite major movements and momentum in the dating world, men are still expected to treat for first dates oftentimes.

I went on a few dates this month, and that cost me $48.81. Ouch! That’s nearly a quarter of the total budget I started with.

There are various solutions to this problem: choose more affordable locations (i.e., coffee shops), stop dating, and/or pay for my own meals/drinks.

Fresh vegetables

After completing this experiment, I looked back at Laurie’s article to see how much vegetables cost her family. All I found was pasta sauce and potatoes. Clearly this had benefited her family’s budget, and reduced their total spending.

Despite vegetables accounting for much of the spend this past month, I refuse to budge on this aspect. Vegetables are low in sugar, high in vitamins, and incredibly fibrous. They’re too healthy to cut down or out.

One solution I could begin to adopt is buying more loose-leaf lettuces to make my own salad mixes. Also, I could likely buy more canned vegetables.

Gluten-free/low-FODMAP

The last problem I noticed was that my special diet restrictions caused my budget to balloon. Whereas a frugal-friendly loaf of bread (w/ gluten) sells for about $1, the gluten-free/FODMAP-friendly Udi’s white bread costs about $5. Additionally, the loaves are about half the size. In total, Udi’s gluten-free bread costs about 750-1000% more.

Similarly, pretzels can be purchased for about $1-2 a bag. But the gluten-free versions cost about $3.50. Over and over again, the dietary restrictions affected my ability to stay under that coveted $200 mark.

The solutions are more difficult to find on this front, too. Ideally, my body wouldn’t react like gluten-laden products were an intruder. Ideally, I could eat tons of legumes (beans) and bread products. I would have far more flexibility in saving and scrounging. The best I can come up with is to plan for meals and try to use rice more often than gluten-free pastas or breads. Rice is always cheap, and just so happens to be the most common food worldwide.

Reframing failure as lessons learned

Have friends and family behind you

When I first told my friends, they all expressed curiosity about how I’d do it. The budget was large in its smallness — it spoke louder than any sentence I could write. Pricelessly, my budget announcement and sharing brought people in and many wondered how they, too, could participate.

Self-compassion for “failures”

During this month, I overspent my budget by $162.69. That’s shocking, embarrassing, and a bit disheartening. I’m disappointed in my own perseverance, resolve, and planning.

Fortunately, I use “failure” casually. Research suggests that when people respond to these “failures” with self-compassion they can better correct future actions. I don’t actually see this month as a failure; rather, inspiration to keep working at my food budget and continue to find ways to reduce the spending.

I want to get to $200.

Sometimes frugality — to the extreme — isn’t healthy

Frugality in food tends to overemphasize the reduction of fresh vegetables and fruits and supplementation of carbs like bread and pasta. While these food choices feel filling, keep budgets happy short-term, and provide the base of many frugal meals, they can have negative health effects. Starches and carbs tend to lead to excess weight, as they are processed comparably to sugar in the digestion process.

Instead of sacrificing my long-term health for short-term financial gains, I look forward to making a truly healthy budget. Don’t get rid of the vegetables!

Food budget challenge — take 2!

January just ended, but I’m already signing up for another month of this experiment. This time I want you to join me!

If you’re already at $200, I’d love to hear how you do it. If you can’t imagine reducing your food and drink budget to $200, let’s try together. If you’re not sure you want to reduce your food budget, why not?

Who’s with me?

Filed Under: Save Money Tagged With: breakfast, Budget, dinner, eating, Food, Frugal, gluten, gluten-free, health, lunch, Simple Living, snacks

Picture The Life, Not The Millions You Want

By Frugaling 3 Comments

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Rich Kids of Instagram photo
Photo: Rich Kids of Instagram

There’s a powerful allure to the “self-made millionaire.” Across vocations and incomes, some of the most viral and popular articles in the personal finance world provide how-tos to readers. And if they’re not step-by-step guides, articles tend to showcase people who’ve succeeded in their path to great financial success.

The lesson is simple: watch and learn. View a role model, and copy the steps to success. Seemingly, this is propagated as a convenient and regular method for monetary gain. Unfortunately, every individual is different — from intelligence to net worth to credit rating. Each of these factors can influence your ability to hustle and follow in these role models’ footsteps.

Too frequently, affording a lifestyle is purely linked to income and wealth. That goal of riches seems empty to me, what do you think? What if we reversed this strange paradigm and reviewed the life, rather than money, we want?

Today I wanted to introduce a new method for success that downplays the millionaire status for something more lasting and rewarding. The following are 5 key elements for a fulfilling and happy life, and may just provide the riches along the way!

Photo Rich Kids of Instagram
Photo: Rich Kids of Instagram

1. Freedom. This is continually at the top of the heap for financially savvy worker bees. Freedom allows for free time, family time, and fun time. Often, more work and income are seen as the pathways to this goal. This ironically can propel us further from freedom and enter into a vicious work-cycle that only perpetuates our desire for more down time. When we scrub away goals of financial riches, freedom and time become crystal clear. Reduce any discretionary spending (if possible), and you’ll suddenly see more money in your pocket — all while maintaining and/or reducing time spent working. Now, you can read that book with your newfound free time (just make sure to check it out of the public library)!

2. Autonomy. People love choice and independence. Heck, as children, our first words are usually “yes” and “no” (right after “mom” and “dad”). We are born, bred, and instructed in the world of autonomy. Imagine for a moment the toothpaste aisle. Can you picture all the options, rows, columns, and sale items? Every time I walk by the toothpaste I’m bombarded by the variations — uncertain where my money is best spent. With more money, we get more choice. With riches, we are able to choose grander items — upgrading from a Ford Pinto to a BMW 7-Series. But this is the unfortunate influence of massive advertising dollars. Will the BMW 7-Series make a fundamentally whole and self-actualized person? Unlikely. And that brings us to the original point of this list: fulfillment. Let’s make fulfilling decisions that last, not spontaneous purchases that fill wants and cravings.

3. Self-worth. The things we own tend to say a lot about us. There’s actually a professor, Sam Gosling, that wrote a book called Snoop: What Your Stuff Says About You. He points out some pretty self-explanatory conclusions about your living spaces. Your home represents you, and can often provide a sense of self-worth. Remove your items, and who are you? Really, I mean it… Without your iPhone, Macbook Air, furniture, photos, and material goods, tell me about yourself. Can you do it? I bet you can, because your self-worth and personhood is bigger than anything you own. After years of shopping sprees and poor financial planning, I realized that once I stopped spending wantonly, my self-worth soared. This is an intrinsic trait that requires inner worth and work — your bank account will never provide true self-worth.

Photo Rich Kids of Instagram
Photo: Rich Kids of Instagram

4. Health/Safety. There are countless examples of wealthy people having bodyguards and security teams. Their money is frequently seen as a path to safety. But this is comically out-of-whack, as the wealthier you become, the more threatened you may feel. Frankly, the stories of billionaires being kidnapped for ransoms should scare anyone. What this tells us is that there’s a middle-ground for wealth and safety. The safest and healthiest levels seem to center on getting your health needs met and living in a proper shelter. Again, this doesn’t require millions.

5. Companionship. I dream of hosting lavish parties in a loft apartment; preferably, encapsulated in the clouds with glass windows. Something modern to look out at the world. What my heart and head is really getting at is a desire for friends and companionship. It speaks in funny ways, when it desires these simple pieces of fulfillment. Companionship and connection with other people is fundamentally human — we are social creatures. But money isn’t necessarily required for that. Sure, you may not look like the Rich Kids of Instagram, floating on a yacht full of tanned 20-somethings, but there are people who care and will be around when the going gets tough; again, regardless of the digits in your bank account.

Filed Under: Save Money Tagged With: Autonomy, Billionaire, Choice, Companionship, freedom, health, Millionaire, rich, Rich Kids of Instagram, Riches, RKOI, Safety, Self-worth, Wealth

Fitness Trackers Should Be Free From Health Insurers

By Frugaling 6 Comments

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Fitness Tracker Photo
The Fitbit Force is a popular fitness tracker, but pricey at $129.95.

College campuses are hotbeds for new technologies, fads, and styles. Over the last couple semesters I’ve noticed a sizeable uptick in people wearing fitness trackers. These sleek, bracelet-like devices can track your steps, calories burned, food eaten, exercise routines, and sleep habits. Many can wirelessly sync to computers and smartphones.

Fitness trackers have long intrigued me, as a runner and frequent exerciser. Personally, I think the feedback would be helpful and encourage more healthy routines. I’ve seen both athletic and overweight populations wearing them. They seem perfectly suited to both populations’ needs. Despite these ample benefits, I haven’t purchased one because I think they should be free.

Running Budget Save Savings
Photo: brianac37/flickr

Insurance Companies Want Healthy Consumers

Health insurance costs escalated rapidly in recent years. Far surpassing inflation and comparable countries’ medical costs per capita, health coverage is a thorn for many individuals and small businesses. At times, the price of quality health care can be hard to come by if you’re on a tight budget.

Certain health provider groups started catering to athletes and highly-active individuals a few years ago. By developing a niche group of actuarially healthy individuals, the company could lower the cost of everyone’s premiums. Quite simply, it’s profitable for health insurers to encourage healthy choices in their clients.

Let’s Use Fiction To Inspire

Last year, Dave Eggers published his latest novel entitled, The Circle. Set in San Francisco and other parts of Northern California, the book takes the reader on a journey around a company that largely resembles Google. It’s a tech savvy, forward thinking company, that aims to collect everything and give people access to all the world’s information. Despite being insanely creepy at times, The Circle introduces some brilliant tech revolutions.

The one that is most apropos to this article is about a fitness tracker health insurance program. A free part of having this imaginary company’s health insurance is the access to one of these devices. It’s always on and managing your heart rate, calories burned, and tracking your sleep. The device is given at no cost to the employees because they can manage and encourage healthier habits – helping people live longer and cutting costs in heart-related procedures.

The Perfect Price Is Free

I have a serious bias because I’d like a fitness tracker. I think it would encourage me to exercise more regularly and eat healthier. Recognizing and tracking the strengths and weaknesses in your activity choices could positively influence much of the countries heart-related complications.

Ideally, health insurers will recognize the financial appeal of such devices and encourage certain clientele to use these trackers. By encouraging people to engage in more healthy behavior and connecting it with a financially solvent future, it may make the impetus and desire to exercise more potent.

The perfect price is free. This would eventually be a win-win for consumers, innovators, and the health insurers. This leap into technology has been stifled by prices that tend to be over $100 for trackers. As prices begin to decline (inevitably with all technology), fitness trackers may be a more easy choice for everyone involved.

Have you thought about getting a fitness tracker? Would you like your medical insurance to offer a free one?

Filed Under: Save Money Tagged With: fitbit, fitness, force, Free, health, insurance, jawbone, nike, smartphones, software, sync, Tech, tracker, tracking

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