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Frugal Articles of the Week

By Frugaling 1 Comment

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Reading Nook Photo

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

Household Finances Still Fragile Six Years After the Recession by Gillian White
The Great Recession still lingers on. Many households are resisting purchases because of inconsistent and variable incomes. Paychecks that vary each time make it difficult to predict safe spending. It’s leading the most affected to hold back more than ever.

This Is What Sweden’s Most Statistically Sought-After Home Looks Like by Kristin Hohenadel
This brilliant design firm has constructed the “perfect” house. Based on surveys and data from Swedish residents, this minimal, utilitarian home is what most would like. The floorplans are open, with lots of natural light. But the best part is the effective use of space.

How to live a middle-class life in New York City on less than $5,000 a year by Pauline Marie Bock
This semi-anonymous, French freegan is living in New York City on an insane, impressively frugal budget: $5,000 a year. She hustles to find the shops and spots where good food is being wasted — thrown away unnecessarily. From bagels to beans to fruits, “Marie” has found countless free meals.

This Season’s Must-Haves by Brooke McAlary
From beautiful new colors to shapes, clothing changes every season. For many, it’s a clarion call to action: shop to you drop. Brooke has an amazing twist on this season’s must-haves. You must read this one!

Filed Under: Save Money Tagged With: articles, Class, Clothing, Frugal, housing, Minimalism, Recession, Sweden, week

Frugal Articles of the Week

By Frugaling 4 Comments

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Reading Nook Photo

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

Most millionaires say they’re middle class by Robert Frank
There’s something strange about money. No matter how much people have, it never seems to be enough. Take this recent article from CNBC highlighting millionaires who say they’re middle class. It’s possible, but only if you compare them to the richest in Manhattan. Middle class on a global scale is an income in the tens of thousands of dollars per year. With a million or two, you’d be sitting pretty in most of the world.

Your stock picks say a lot about your age by Barbara Kollmeyer
As a shareholder of Tesla (TSLA) stock, this article spoke to me. Tremendous variations in stock ownership by age groups are present. Younger people tend to own technology companies and older adults choose stalwarts such as General Electric. From an investment perspective, it says a lot about future wealth and generational changes in stock market valuation.

Is Frugality Sustainable Without A Goal? by Mrs. Frugalwoods
Oh, I love this one! Mrs. Frugalwoods highlights the importance of goals and planning for frugality. She notes that there was a time before frugality where she was adrift and spending more than she should, but then there was an awakening.

I secretly lived in my office for 500 days by Terry K.
This story either represents the ultimate simple life/minimalist or someone in intense desperation. With skyrocketing housing prices in Los Angeles, one person took to living in their office for 500 days. He explains how this “financial fix” became a “lifestyle.”

Filed Under: Save Money Tagged With: articles, Frugal, market, Millionaire, Minimalism, stock, Sustainable, Tesla, week

A Married Person’s Guide To Love And Frugality

By Frugaling 39 Comments

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Frugalwoods with dog

Today, I’m excited to share with you a guest article from a fellow frugal writer, Mrs. Frugalwoods. She writes under a clever moniker at www.frugalwoods.com. She details her journey to financial independence and a homestead in the woods with her husband and greyhound, Frugal Hound. I asked her to share how marriage, as opposed to my singledom, could actually help you stay more frugal. Please enjoy and comment!

Marriage has turned out to be an extremely frugal endeavor for Mr. Frugalwoods and me. It wasn’t our original intention (there was no mention of “frugality” in our vows, though in retrospect I wish there had been…), but it has absolutely been our experience.

Marriage = Efficiency

Being married is like having a lifelong roommate, who you love, and with whom you can share all your stuff. Two people, one bed; it’s the ultimate exercise in efficiency! Over the six years of our marriage, we’ve discovered we can share just about everything other than toothbrushes and clothing. We have one house, one car, one dog, and one bottle of shampoo; although, come to think of it, we do have separate deodorants, which is probably for the best.

‘Til Death Do Us Spend

In addition to owning less — by virtue of sharing so many things — we also spend less. We were both pretty frugal before we got married, but our union compounded those tendencies. I’ve found that Mr. FW’s efficiency-oriented frugality has rubbed off on me and likewise, my creative money-saving schemes have influenced him. He convinced me of the merits of simplifying life and I’ve educated him on the ways of thrifting and great trash finds.

The man is now a certified expert in scoping out excellent roadside treasures — last summer he toted home an entire box of free glassware he found by the side of the road. I was so proud. We brought different frugal strengths to the table and by learning from each other, our frugality is now unstoppable.

Frugalwoods
The Frugalwoods mascot, Frugal Hound. 🙂

Being partners in every sense also means that we work in tandem on all aspects of life instead of paying people to do stuff for us. I’ve discussed how we insource everything from house cleaning to Frugal Hound bathing to changing tires to home repairs to cooking and more. But since we’re in it together, the labor is distributed between us. And since we’re working side by side, the labor is actually quite pleasant.

That’s another fabulous secret of marriage: when you enjoy collaborating with your partner, even the most banal tasks become fodder for humor and pleasure. We cracked ourselves up to such a degree while at Costco last week that I thought they might kick us out of the store. What can I say, we have a good time and the canned fish section is frankly hilarious (Cod in a can? Come on, you would’ve laughed, too!).

We also insource our own entertainment. Being old, boring married folks means we love staying in on Friday nights (it’s pizza night after all!), snuggling Frugal Hound, and watching movies (until I fall asleep… circa 9pm). Our entertainment costs decreased rapidly after we got engaged and have continued to plummet. We’re big believers in going on dates — we just happen to do them cheaply. Free days at museums, hiking, walking Frugal Hound, romantic dinners at home, Costco trips apparently… we find plenty of ways to entertain ourselves for $0.

Shared Financial Outlook

More important than our practical applications of frugality (say through our $0.39 rice-and-beans lunches) is our shared financial outlook, which guides how we’ve decided to structure our lives. Mr. Frugalwoods and I feel incredibly fortunate that we found each other and evolved together into the frugal weirdos we are today.

Our united approach to money enables us to pursue our goal of quitting our jobs, reaching our version of financial independence, and moving to a homestead in the woods of Vermont in 2017 at age 33. To facilitate this, we’ve attained an aggressive 71% savings rate (not including maxing out both of our 401Ks). I can say with confidence that neither of us would’ve had the discipline or vision to achieve this by ourselves.

Without this mutual long-term ambition, we’d be adrift and untethered in our overarching aims. But having our future homestead on the horizon keeps us both on the same page and happily operating on frugal autopilot. Plus, we get to have hot finance dates during which we review our spreadsheets and whisper sweet nothings about safe withdrawal rates in early retirement. Told you it was steamy!

The Ease Of Joint Finances

Communicating openly about our finances for the duration of our relationship has fostered an environment in which we trust one another implicitly. Thanks to this trust, we’ve been able to streamline and combine our finances.
For us, having joint finances is about both efficiency and respect. It’s easier on a daily basis to dip into our communal pot for paying the mortgage, buying 6-lb cans of garbanzo beans (we have a mild obsession with homestead hummus), and ordering Frugal Hound’s toothpaste. It’s also a reflection of how much we respect and trust one another — we have no qualms about combining our resources since we know the other person approaches money with the same frugal worldview.

If one of us was dramatically more or less frugal than the other, I think we’d be in for a challenge. Communicating about financial goals, or what we’re comfortable spending, could become a tense encounter involving guilt and accusation. Mr. Frugalwoods and I aren’t identical in our beliefs, but we are aligned in the core tenets of frugal optimization, minimalism, and spending only on the things in life that matter most to us.

Financial Checks and Balances

We provide a system of financial checks and balances for each other. Talking through potential purchases helps us identify our priorities and realistically determine what we actually need and what’s merely a want. When we decided to buy an electric blanket earlier this year (yes, we live on the wild side), we discussed and researched options together, which made us both feel bought into the process.

Anytime Mr. Frugalwoods wants to buy a new beard comb/tool/kitchen implement, he talks to me about it. This type of communication doesn’t stem from distrusting each other, but rather from the respect we both have for the other person. We apply this team-purchase approach to everything from socks to our future homestead.

By engaging one another in every purchase we make, we continually create opportunities to check in with each other financially. These frequent conversations (sometimes about things as mundane as a bag of sweet potatoes) ensure that we don’t resent one another’s purchases or, more crucially, drift apart in our view of money.
When I accidentally broke Frugal Hound’s toothbrush last week (no clue what happened, I swear, the thing just snapped), instead of immediately ordering a new one on Amazon, I talked to Mr. Frugalwoods. And sure enough, he had an idea: why not try using a human toothbrush we’d gotten for free from our dentist. Guess what? It totally works in a dog mouth.

I realize this doesn’t sound like an earth-shattering discovery–after all, doggie toothbrushes are only $7.29–but, it’s a perfect reflection of how ingrained our shared spending habits are. Plus, we don’t buy much stuff, so I don’t have a whole lot of recent examples ;). It’s second nature for us to consult one another on even the smallest of purchases, which makes our conversations about the biggest ones (ahem, a homestead on 20+ acres of land) follow the same familiar, successful framework.

Marriage Made Me A Minimalist

Ok maybe not a fully fledged minimalist, but a whole lot closer than I was before. Prior to Mr. FW’s good influence on me, my life (including both possessions and brain) was cluttered. I owned too much stuff and I was stressed about way too many things. Mr. Frugalwoods, on the contrary, owned perhaps too few things (he had a mattress on the floor without even a mattress pad, people) and had too little stress. I quickly introduced him to the concepts of proper bedding and home decorating. See how helpful I was in adding to his stress levels? 🙂

Mr. FW brought me around to his way of thinking: it’s liberating not to be owned or defined by your stuff. He also helped me let go of caring so much about what other’s think. I’m still an imperfect work in progress on both of these fronts, but I can say that minimalism of both the mind and the physical space has been wonderfully freeing for me.

And as for Mr. FW’s mattress on the floor, we now have a comfortably (albeit minimally and almost entirely from Craigslist) furnished home. Mr. FW often remarks on how cozy our home is, which makes me beam with pride. Some things, like bed frames, are just worth the expense.

Frugality Is Good For Our Relationship

Parallel to the balance in simplicity that we brought to each other’s lives is the benefit that frugality has had on our relationship. By stripping away the distractions of lifestyle inflation and the endless pursuit of more stuff, more experiences, and more “needs” on the consumer carousel, we’ve been able to focus on what matters most to us. As a result, our marriage has flourished under frugality.

We’re no longer distracted by what the media or neighbors are saying we should own, do, or feel. Instead, we’re focused on what we want out of life and how we can make the world better in our own tiny way. Our homestead plan wouldn’t exist if we were still bogged down by the consumer rat race. It’s only through extreme frugality that we’ve been able to take stock of our lives and realize that we’re not fulfilled working our full-time jobs and that what we truly desire is to work side by side in nature every day.

I’m deeply grateful that frugality opened my eyes and forced me to be honest about the direction of my life. It allowed me to push aside the pointless preoccupations of image, wealth, and success and instead devote myself to my dream of building a life out in the woods with Mr. FW.

Parting Thoughts

For Mr. Frugalwoods and me, our marriage is integral to our frugal worldview. Our frugality has reached new heights thanks to our combined efforts, and as a result, we’ve reaped the benefits of simplicity and focus within our relationship. To go this journey without shared goals would be tremendously difficult and would likely make our wildest dreams unobtainable. But together, we’ve been able to eliminate the noise and acknowledge what we want our lives to encompass. We’re frugal, content, and aligned in our vision of the future.

How do you communicate with your partner about money?

Filed Under: Minimalism, Save Money Tagged With: dog, Frugal, frugality, Frugalwoods, homestead, hound, marriage, married, Minimalism, partners

5 Lessons From Minimizing My Wardrobe

By Frugaling 20 Comments

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5 Lessons From Minimizing My Wardrobe. The day has come to minimize my wardrobe. After much delay and caution, I eliminated tens of items from my closet and feel lighter than ever!

I’ve been aching to clear out my closet and see what can be minimized, but I’ve constantly repeated, “I’ve got more important things to do!” Well, today is the day to clean out the unnecessary, unworn, ripped, tattered, and otherwise useless. Spring is here, and now it’s time to find some clothing to donate or throw out!

I’m a rather failing minimalist. Life circumstances (being a graduate student) require that I keep ungodly numbers of papers for years. In an effort to minimize the clutter and paper space, I’ve scanned and digitized everything I can. The rest — what must be held for safe keeping — goes under the bed.

Clothing can’t be moved or digitized, and space must be occupied. While I have ample room in my apartment, there isn’t much “storage.” I don’t have any furniture (i.e., bureaus, dressers, etc.), either. Every time I look in my closet, I’m reminded of the unorganized mass I own. After many weeks contemplating, I decided this would be the day to really review what I have, and decide, In or Out?

Before I review the photos and take you on a little tour of what’s left, I want to explain some rules that informed my choices:

1. While minimal, I haven’t moved to uniforms; thus, multiple outfits remain

2. I’ve trained and run two marathons (and plan on more), which require athletic clothing

3. I don’t like multinational brand names stamped across my chest

4. I won’t replace or buy more clothing by reviewing and donating excess

5. Furniture could help make it look more minimal, but see rule 4

Review socks
Review socks
Review boxers
Review boxers
Review shirts
Review shirts
Review pants
Review pants
Review athletic gear
Review athletic gear
Review hangers
Review hangers
In or out?
In or out?

 

 

Clearing out and reviewing all your clothes is rather time consuming. The first thing I did was wash everything dirty and prep it for the preceding photos. Afterwards, I grabbed my box o’ socks and box o’ undies, and dumped them out. Pair by pair I reviewed for stains, holes, and other unmentionables. I eliminated 8 pairs of worn out or otherwise mangled socks, and 2 stray socks (inevitably lost to the magic of the washing machine). From the boxers, there were 5 that were in total disrepair — waistband wasted. Out they went!

Then, I moved to tee, long-sleeve, and collared shirts. Despite advocating for a more minimal life, I found it hard to let go and/or donate some of my more sentimental — however aged — clothing. The soft texture and wild memories of concert tees were the hardest to rule over. Images of dancing, friends, former girlfriends, and everything in between seemed stained into the shirts. In the end, those with massive pit discolorations were thrown out. Although, I couldn’t help but keep a couple for sentimental purposes (and I wear them frequently). One collared shirt was a big no-no, as it featured a brand I no longer wish to advertise across my chest nor support.

Two pairs of jeans unfortunately needed to go. I had wiped out on my bicycle in one of them, and they no longer met professional work standards. The other had started out as skinny jeans and were quickly shrinking into leggings. I’m not sure if that’s a consequence of weight gain or the dryer; let’s go with the latter option.

My wonderful mother insisted I take a bed protector with me, and I’ve had it for quite some time — unused. I’m not opposed to fitted protectors, but this one is loose. Invariably, it crumples up into an awkward ball in my bed and messes up the fitted sheets. No, it was time to be rid of that stinky old “protector.”

Extra hangers? Out!
Extra hangers? Out!
Halloween costume? Out.
Halloween costume? Out.
Old boxers? Out!
Old boxers? Out!
Lint? Out!
Lint? Out!
Old bed protector? Out!
Old bed protector? Out!
In
In
In
In
Donations to charity!
Donations to charity!

 

 

Despite being an avid runner, I owned too many shirts. Each race you run, there’s a new shirt. Nobody needs this many athletic shirts. I was able to get rid of 3 shirts and one pair of shorts. While they weren’t in bad shape, I’m hoping someone else can enjoy them — I have plenty.

This little In or Out experiment netted 28 items. Those items will either be donated or thrown away. Additionally, I was able to take out 14 hangers from my closet (bringing the total to 42)! Now, it’s easier to get at what I want, as opposed to fighting back and forth to get jeans and a t-shirt. There’s room again, which feels fantastic.

The following are 5 lessons learned in the process of eliminating the unnecessary from my wardrobe:

1. Sentimentality is piqued by things, but inspired by brains

Humans are inherently pulled to place energy and emphasis in things. We name cars, put stickers on everything, and place creative cases on phones, all with the desire to make something nice and unique. Our things get special treatment. They become a time capsule and place to store our memories. It’s important to remember that those mental images are within us — not in things.

2. Clearing out old clothing is therapeutic

What seems to be a chore at first is rather calming as you go along. There’s a routine: open, dump, review, decide in or out. That’s all there is to minimizing your wardrobe. In the calm of a weekend day, it can be a meditative task to focus on the here and now.

3. My nice things might be necessary things to another

I have ample clothing, even after minimizing some. What helped me decide to donate a couple more items are other people. It helped to focus on them. The “nice” stuff that I rarely — if ever — use could be immensely helpful and necessary for another person or family. I’m not just removing stuff from my closet and tossing it, as I want some of these things to have better owners.

4. It’s embarrassing what we keep around or forget to throw out

I don’t know how 2 stray socks slowly buried their way into the bottom of my box o’ socks, but they did. I probably wouldn’t have noticed for a couple years, if I didn’t engage in this cleanse. Also, the Halloween costume from a couple years ago? Yeah, no need to keep that around.

5. Minimizing your wardrobe takes far less time than you think

I procrastinated for weeks about getting rid of extra clothing. I didn’t want to let go of anything, and felt like I had more important things to accomplish. In some ways, I did, but that was also a tool to delay the inevitable. Now, the day of reckoning is here and complete. My closet looks way better. In reality, what I thought would take hours only took one. One and done to be lighter than ever.

Filed Under: Minimalism Tagged With: Charity, closet, Clothes, Clothing, Consumer, donate, jeans, minimal, Minimalism, Shirts, socks, Wardrobe

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