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What’s Your Most Prized Possession?

By Frugaling 29 Comments

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Colorado State University Oval

Hello, roomie!

The windows were open, and I could smell the grass outside. It was green and sunny — not a cloud in the sky. A prototypical Colorado day followed me around, as I moved what little I owned into a small cubby, under a lofted mattress, and into a petite wooden desk.

It was move-in day for college — fall 2007.

I rolled out a single-bed mattress sheet, chintzy comforter, and single pillow cover. The mattress was an ocean blue, and perpetually felt uncomfortable. But it was my new home.

Somewhere in this process, I learned to live with less. I didn’t call it minimalism back then. It didn’t feel like minimalism.

Forced space? Mandated minimalism

I wasn’t given the option to live any other way in college. My closet only accepted a few shirts, shoes, pants, etc. My bedroom didn’t allow for larger mattresses. And my desk only had room for the basic necessities: pens, paper, and laptop.

After my first year of college, I moved into another residence hall to become an “RA” or resident assistant. I loved my position. It was and still is my favorite job. But even then, with a little more room, I was forced to stay minimal.

Now, minimalism doesn’t always mean being frugal. Despite my enclosures, I cycled through lots of things. There was a $1200 road bike (kept outside and then sold), a mini fridge (under the bed and then sold), electronics (a desktop computer and then sold), and more. For everything I bought, I sold something else — both to afford the new item and make space.

I was hardly frugal. I was mad with the need to consume away my problems, concerns, and stresses of school. No matter how much I purchased, the feelings remained.

Where I failed budgetarily, I seemed to succeed in minimalism. My room was still neat and tidy, and presentable to residents and their parents. I didn’t have a need for lots of stuff — nor could I put it anywhere.

While I wasn’t ready to change my spending habits until years later, an inclination towards minimalism was cemented. All it took was a forced restriction from many years of residence hall rooms to prevent the purchase of more than I needed. I developed an affinity for a clean, organized room. I didn’t need or want to have tons of things.

The losses hurt immensely

Another component pushed me towards minimalism: loss. In college I was exposed directly and indirectly to losses in life. Three of my grandparents passed away, three people died by suicide on campus that I knew, and I went through some pretty nasty breakups.

These losses encouraged me to look beyond the petty grievances and consumer comforts of society. What was important was the life of those around me, and spending time with those I cared about. Again, things weren’t as important as people.

During this period of tragedy, I realized how loss of material possessions didn’t matter. Suddenly, I stopped worrying about people stealing my stuff, things failing, and/or leaving my home unattended. Renters insurance seemed irrelevant and unnecessary. I had nothing “priceless.”

What’s going to fit in the trunk?

After college and the losses, I moved for graduate school. Again, it was a time of forced minimalism. I could only take what would fit in my Honda Civic coupe. And there was an added caveat, as my brother would be occupying the passenger seat.

To lighten the load, I listed items on Craigslist and asked friends if they needed odds and ends. Then, my brother and I filled the car with deconstructed IKEA furniture, clothing, and other household items. Our seats were forced upright — unable to recline — by the tightly packed vehicle.

Everything I owned fit into one tiny little car. It felt freeing, but frankly, all I could think about was the truly precious cargo: my brother. If everything else disappeared, let it not be him. That’s all that mattered/matters.

What really matters in life is…

I never sought to be a minimalist in my younger years, it found me. When I entered a small space and shared it with a roommate, I was forced to have less. When I lost loved ones, I was forced to reflect on what was most important. When my brother helped me move, I pictured what I would really need.

Stuff never came first.

Recently, I was grabbing a drink with someone and this question came up: “What would you grab if your apartment/house were on fire (excluding pets and humans)?”

I thought briefly about this question and almost cried. I couldn’t come up with anything. Nothing mattered beyond the human and pet connections in my life. Nothing. I feared the loss of… nothing.

Filed Under: Minimalism Tagged With: apartment, Consumer, family, Frugal, home, Minimalism, minimalist, Space, Stuff

Frugal Articles of the Week

By Frugaling 5 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!

A Counterculture Spirit Flourishes, Preserved Under Fiberglass Domes by Patricia Leigh Brown
When I was in college, I lived in an old residence hall with a drab blue carpet. I didn’t get much of a choice about where I lived or roommate. Thus, I was socked away in a hall that was perpetually too hot and overcrowded. But there’s another, cooler way. Over at UC Davis, there’s an incredible cooperative community residence hall. They grow plants, vote democratically, and are all around awesome!

Oxfam Study Finds Richest 1% Is Likely to Control Half of Global Wealth by 2016 by Patricia Cohen
The New York Times’ Patricia Cohen found that major economic studies suggest that about 80 people have the wealth of 3.5 billion people. Oxfam and other charities/NGOs are working to educate everyone about this vast income and wealth inequality that affects us all.

The Possibility in Blank Spaces by Cheryl Moreau
The consumption culture tends to find empty spaces… for lack of a better term, empty. Finding something blank or empty feels like a void — as if something is missing that should be present. Cheryl writes about this problem, and how she looked past emptiness and saw freedom. Brilliant thought piece!

Why Is No One Talking Medium-Term Financial Goals? by Stefanie O’Connell
Stefanie asks one of the most important questions about creating medium-term financial goals. Unfortunately, most people don’t plan or budget for the middle years particularly well. Retirement accounts may grow, and emergency funds might protect, but there’s often this palpable absence of the medium-term. Stefanie takes a crack at fixing that for us.

Filed Under: Save Money Tagged With: college, Financial, Frugal, goals, Income, Income Inequality, Minimalism, Wealth

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

Being “The Best” Made Me Miserable

By Frugaling 13 Comments

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Pale Blue Dot Planet Earth Photo From Moon

Growing up, I wanted to be “the best.” Whether it be a pilot, firefighter, or investment banker, I needed to be the best. I was compelled to be better than the rest – always wanting and seeking hierarchical successes.

I competed over grades in school. Another’s “A” threatened my goals. Before I got into graduate school, I ruthlessly pestered professors with questions and looked for ways to improve my final scores. But I couldn’t compete in the hard sciences (i.e., chemistry, physics, and biology).

I purchased designer clothes like Diesel that were more expensive than others could afford. A sweater that cost over $125 was seen as a necessary cost to stand out. But secretly, I couldn’t afford them either — there were tens of thousands in student loans.

I played poker with my friends, and wanted to make more money than they ever could. First place was a sweet spot, and I reveled in knocking them out of the tournaments. But I lost money more often than I’d like, and felt ethically miserable when winning their money.

I wrote articles that were published in various journals and newspapers. My words created conversation and controversy — exactly as intended. But I saw writers my age publishing in Rolling Stone and massive online news sites. There were others publishing books, when I could merely squeak out 700-word columns.

I pictured running marathons with packs of people behind me. I imagined passing more and more people. But when I ran them, thousands finished before me.

My younger years were filled with the pressure to conform and my budget hurt because of it. Each time “the best” motivated me, I spent more money, competed in unhealthy ways, and looked for ways to put people down.

When I look back at my childhood, I realize how susceptible to American exceptionalism I was. My country was “the best” — better than the rest. And I needed to be a player in that world. I wanted to be a patriot and represent my country, as another best.

Eventually, I got burned out fighting to be the best; then, something powerful happened. In relinquishing this drive, I discovered that there’s always someone better than me (or you). There are nearly 7 billion people on this beautiful globe. Talent, expertise, and “the best” is everywhere you look.

As I let go of this need to be the best, I embraced another emotion. It was something like peace combined with acceptance. But not about being lesser than. It sounded like, “I’m okay as is, and I’m happy doing my personal best.”

There was a secondary consequence of letting go of my compulsion to be the best. My spending plummeted.

I stopped spending as much on food and travel. I sold my car, and got rid of hundreds of dollars in monthly costs associated with ownership (from gasoline to insurance to maintenance to car loan payments). My clothing costs fell, and are nearly $0 every month.

Ironically, I felt healthier and saved more money than ever. The buzz of inadequacy that had promulgated my inner voice quieted. I started to feel comfortable and humbled — happy to be me.

Consumption and affordability are warped and twisted by our drive to be the best. Imagine what your life would be like if you stopped competing with others reputations and talents. It influences everything about our lives.

What if we throw away this cultural norm and embrace who we are today? Would the brand new blazer or dress be as important? Would we finally be happy?

Filed Under: Minimalism, Save Money Tagged With: Budget, earth, grades, marathons, Minimalism, money, spending, the best

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