A question popped up on The Non-Consumer Advocate Facebook Group that I wanted to answer here on the blog. Both to address it personally, but also to give you, the readers a chance to weigh in here. So here goes . . .

“Love to hear your thoughts on the difference between a frugal life and a simple life.”

This is a hard one as the line between frugality and simple living is thin, blurry and will be differently defined for every person.

For some people, frugality is simply about being cheap, but to me I like to think of it as being wise with money. Usually this means finding the cheapest solution to a problem, but other times it means knowing when to spend more.

For example, the cheapest way to live my life would be to prepare every meal from dried beans that I bought in bulk at Winco. However, this would result in a family revolt that would require possible therapy bills and definite emergency room expenditures.

“Serve me that lentil soup again and I. Will. Cut. You!”

Frugality to me means living within one’s means so that the money is available for the pricier stuff that actually matters. Spend less on clothing so I can take my son out for lunch without worrying about the cost. Spend less on entertainment so I can pay a tutor to keep my son caught up in school. My family’s income fluctuates, so how much I spend out varies, but I try always keep within my means.

Simple living also means something different to each person who chooses this ill-defined lifestyle. One person may decide to only own 100 possessions and live in a tiny house, while another will choose a more traditional life and be at peace with their possessions. Do I practice simple living? Well, I’m certainly not a minimalist, but I have made a choice to be deliberate about my possessions. Paring down, creating organizational systems and keeping as few just in case things in my house as possible.

To choose simple living while also choosing to have kids (who will become teenagers) is almost laughable.

I may choose to not take on extracurricular activities that require us to haul our tuchuses out of bed at 0-dark-thirty on a Sunday morning, but that doesn’t mean squat when I am only one of four decision makers in this family.

I know families whose lives are more simple than ours and also families whose lives are less simple. I try not to compare. My husband coaches multiple youth soccer teams while also playing on a team himself. He also sits on the board of two different non-profit community soccer organizations. He’s the volunteer uniform manager for a 800 player league, which means that our basement sports racks of balls, T-shirts, scarves, patches and whatnot. Oh, and he works 44 hours per week.

Not simple.

Should he stop volunteering and participating in these activities in order to simplify?

The label of simple living is broad enough to almost be meaningless. Car vs. bicycle. Possessions vs. minimalism. Child free vs. childless. Paid work vs. volunteering. Shared housing vs. suburban traditional home.

I believe frugality and simple living all boil down to choosing a deliberate life. And how this is defined can change from day to day, hour to hour.

I am not the most frugal person you know, and neither am I basking in the most simple life. What I am is deliberate.

Now you. How do you feel about the line between frugality and simple living? Please share your thoughts in the comments section below.

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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How Non-Consumerism Forces Creativity

by Katy on January 11, 2013 · 22 comments

As a Non-Consumer, there’s a built-in lag time between the moment that I decide I want/need something and when I get it. Often times that lag time cools the want/need to the point where I realize that the whatzit is actually unwanted/unneeded, which is awesome, (not buying stuff = huge savings) but more often I’m able to figure out a creative solution to the original want/need dilemma.

The extra time to come up with a creative solution doesn’t occur if I go the Target/Home Depot/Ikea route.

My most recent example of this was a mirror and some mirror clips. You know, those clippy-things that allow you to attach an unframed mirror directly onto a wall.

Let me start at the beginning.

My teenage sons and Japanese exchange student were invited to play an evening of laser tag, which was pretty far from the house. There was no way I was going back home while they played, so I stuck around while the kids did their thang. (This is totally unrelated, but I’m going to share it anyway. I searched and searched the term “Ultrazone coupon” ahead of time and came up with nothing current. However, I learned that they could have received a free game apiece (a $15.00 value) if I had just brought their reports cards along to show that they receive “A’s” in school. Next time I’ll remember to search “discount” and not just “coupon.” Argh!!!)

Luckily, there was a Goodwill across the street, so I forked over the $45 for the three boys and walked over to the thrift shop. (Other moms were choosing to play laser tag with the kids, but I explained that “I would rather spend $15 at Goodwill than $15 on laser tag any day of the week.” This garnered me a strange look or two, but I’m used to that.)

I’d never been to this particular Goodwill before, and my expectations were low as the surrounding area is neither residential nor affluent. (Goodwill keeps costs down by selling stuff where it’s donated.) I was mostly killing time, and I would have been happy to leave empty handed. However, there was a vintage round beveled glass mirror that caught my eye. Priced at only $4.99, I knew I would regret not buying it.

Did I need another mirror, did I picture where it would even go? No, but I knew I could always resell it at a profit if I changed my mind later on.

The mirror sat in the living room for a few days before I realized that it would look perfect on my entryway wall. This wall is all angles, so a square or rectangular mirror doesn’t work, but a round mirror would be perfection. For the past six years or so I’ve just leaned an antique rectangular mirror again the wall, but this had been a temporary solution.

I was dropping a different mirror off to be cut yesterday and planned to buy some metal mirror clips. Unfortunately, the clips were priced at $22 for four. (Gulp!) So I chose the plastic clips, which were free. I didn’t want to use plastic clips, as I felt they would cheapen the look. But an alternate solution came to mind, which was to switch out the plastic clips for the nice metal clips that had come with the full-length mirror in my son’s room.

  • Plastic clips on mirror in son’s room = not noticeable.
  • Plastic clips on mirror in entryway = very noticeable.

It was my Oprah ah-hah moment. (Although neither life changing nor inspirational.)

Luckily my husband was off from work yesterday, so together we switched out the clips and installed my new Goodwill mirror, which I do have to say gives the space a cool art-deco vibe.

Wait . . . what was my point here?

Oh yes, non-consumerism forces creativity.

If I had just gone to Target/Home Depot/Ikea I would have likely found what I needed. However, I wold have spent a fair amount of money and I would not ended up with a unique look for my home.

Give your wants and needs time to percolate and a creative solution will likely present itself. 

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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It may be slightly over ten minutes, but the following video is totally worth your time.

Not just because the man in the video, (Sorry, but I’m unsure of his name) bought land and then built a small home in Hawaii with cash, but mostly because of what he talks about.

It’s wonderful. I especially like what he talks about at the 8:10 mark.

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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10 Challenge

Have you ever noticed that the first 90% of a project takes 90% of your time and that the last 10% takes another 90%?

Yup. It’s true.

And for those of us who live in fixer-upper homes, that last 10% actually takes another 110%! (At this point I totally understand if mathematical types need to switch off their computers. I won’t be offended.)

Living in an in-process home drives me a bit crazy, as pretty much every room in the house has a least two to three projects that are 90% completed. For example:

  • The trim around the fireplace is missing in one spot.
  • The vent above the stove was never installed.
  • The shingles around the back door never got installed.

I could go on and on, (and on) but I know you’ll have to get on with your lives at some point. Keep in mind that we bought our house in 1996, so having enough time is off the table as an excuse.

I’ve recently been making a concerted effort to attack that last 10%, which has often gone unfinished because my husband and I are unsure of how to proceed. Either we don’t possess the skill or can’t decide on the design or simply don’t have the money to spare. However, that last 10% is often unfinished because it’s become invisible, part of the landscape of our busy lives.

I am proposing a Last 10% Challenge, where you and I attack all those unfinished projects that litter our homes. Your 10% will be different from my 10%, and it’s totally okay if it veers 180° from mine. And I totally give you permission to abandon any projects you’ve moved beyond. Just make sure to get them out of sight.

So, are you in? Do want the extra kick in the arse motivation to demolish your to-do list?

Write your 10% projects in the comments section below and together we can live our lives without a million unfinished projects crushing our spirits.

90% yours,

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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Money jar

I really enjoyed the Found Change Challenge for 2012, and have already started up a new jar for 2013. For those who are new to the blog, the Found Change Challenge was a year-long project to save up all my picked-it-up-off-the-ground money and then devote it to a single cause in the end. My goal had been to find $65, which would have been enough to stay one night at our favorite beach cabin. I knew that number was lofty, but I am Coin Girl, and if anyone could do it, it would be me.

I finally took my big jar of coins to the credit union yesterday, as they have a free coin counting machine. (Coin Girl would never pay for robots a machine to count her money!)

First I picked out the foreign coins and wheat pennies, and of course set the paper money aside. One penny and one quarter would not go through.

The grand total was $28.50. Way below my $65 goal, but still nothing to sneeze at. (Eeuw, I just started picturing sneezed on money. Thanks, Katy!)

But the number that I am most loving is that along with75 nickels, 56 dimes, 30 quarters, 3 dollar bills and a single 5 dollar bill, I found exactly 365 pennies.

Read that again — I found exactly 365 pennies!

All together now:

Whoa . . . 

Trippy, right?!

I felt weirdly sad and kind of deflated to turn all my hard-won money over to the credit union. It’s been so very satisfying to watch the jar fill up with plucked coins from my travels. (Yes, going to the grocery store falls within my definition of traveling.) Luckily, the next stop in my day-o-chores was to drop a few things at my son’s old middle school. And whattayaknow, I looked down to find two dimes and a penny in a puddle right outside the school.

Waiting for me.

Coin Girl.

And how will I spend my $28.50? This practical blogger put in into her 17-year-old son’s college account.

Yeah, I’m crazy like that.

Did you participate in the Found Change Challenge? And if so, how much did you find? Please share your totals and stories in the comments section below.

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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Five things that are making me happy:

  1. Hosting Yu, the same Japanese exchange student who visited with us last year. And since my son attended his high school last summer, this is now the third time that these two boys have hung out. Also, when we first pulled into our driveway, he said, “Home.”
  2. Skyping with Yu’s family. He’s from Sapporo, and his father ran outside to take an iPad movie of the exterior of his house and the snowy street. There was two meters of fluffy white snow! Very cool.
  3. Pinterest. It’s a constant source of ideas and inspiration for me. I have a vintage library card catalog that’s been relegated to the basement. I saw an idea on Pinterest to add a mirrored top, which I think I think is genius! (My card catalog has no top, as it’s meant to be stacked.)
  4. Having a handy husband. I drove the boys to the Oregon coast and back again yesterday, to came home and find that my husband had installed the new/vintage soap dish tile in the shower. My younger son was horrified to find that it was held in place with his special zebra striped duct tape, but I was just happy to cross this chore from my to-do list.
  5. The feeling of freshly scrubbed feet and freshly shaved legs. Add a big dollop of lotion, and the clean tingly feeling is better than ice cream in July.

One thing that’s pissing me off:

  1. Food packaging. I just dropped our plastics recycling off on Thursday, yet our bin is almost full again.

Now you. What’s making you happy, and conversely what’s pissing you off? Please share your answers in the comments section below.

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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{ 35 comments }

Things vs. Experiences

by Katy on January 6, 2013 · 23 comments

When I was a kid I didn’t own the stuff that other kids seemed to take for granted. My clothing was never on-trend, my single pair of school shoes were always from JCPenney and my coats were bought at an annual rummage sale. (Although my mother bought them in bulk, as I had a tendency to abandon my coats on the playground.) We only ever owned a single car at a time and I recall just a few restaurant meals. Ever. However, we traveled through Europe and lived in London when I was 3-4/10-11 and 19-20.

My father is an English professor, so we weren’t technically poor. But teaching is not exactly a road to riches, even at the university level.

My parents could have chosen to buy the San Francisco Riding Gear wide-leg designer jeans that could have been my ticket to popularity and acceptance, but there was simply not enough money for both lifestyles.

My husband and I don’t travel to Europe, Hawaii or Mexico for relaxation, our cars are both long in the tooth, and in exchange I get to work part time and live a life without the anxiety of debt and how to pay next month’s mortgage. Life is more expensive than it used to be. My parents paid $20,000 for their move-in ready in 1969, and we bought our fixer-upper in 1996 for $136,000. (Housing in Portland is expensive, ya’ll!)

But just because we don’t travel through Europe doesn’t mean that we choose things over experiences. Our house is furnished with curbside and thrift shop finds, and our clothes would not gain us acceptance into any social clique.

My sons have been able to travel to Japan multiple times, and my husband and I have each been once. It was never an instance of simply writing a check, and instead always came together from the dribs and drabs of our entrepreneurial efforts.

I choose experiences over stuff. Designer jeans be damned!

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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Instagrammed Update Photos

by Katy on January 4, 2013 · 24 comments

Today is my 45th birthday, and it’s also a day for updates. And since I now have a hand me down iPod touch from my son, the photos will all be Instagram. Kind of cool and kind of annoying all at once. (Bonus!)

On the top of today’s to-do list is to take my jar of money from the Found Change Challenge to the credit union. My goal had been to find $65 in 2012, (the cost of staying one night at my friend’s beach cabin) but I know I’m going to fall woefully short.

However, it’s all free money, and I look forward to filling the jar back up again for 2013!

Money jar

The second photo is of the necklace from last week’s Make Do, Repair or Replace gameshow. I went to the nearby beading shop and bought a small bag of jump beads for $1.50. All it took was a pair of needle nose pliers and maybe ten minutes to lengthen the necklace to a non-choke-y length that sits well on the chest without dangling the bottom piece too far into the cleavage.

Because you know, my mother is long past her stripper days. 😉

Repaired necklace

The third photo is of my thrifted midcentury bookshelf that sits in a corner of my living room. This is where I stash my books that are in current rotation. Stuff I’m reading and checked out library materials are close at hand and ready for a quick read.

This is for all the readers who were scandalized by the lack of actual books on my newly styled living room shelves. Worry not, dear Non-Consumer Advocate readers. I do still read.

Living room bookshelf

The last photo is of a soap dish tile to install in our bathroom. This is to replace the one that fell, shattering into a million pieces and cutting into my son’s leg. I took the freshly replaced kitchen light to the vintage hardware/lighting/plumbing store, and was rewarded with $10 in store credit. I bargained another $5 from the $25 price tag and ended up only paying $10 out of pocket.

My husband is home from work today and will install the new tile. (He must do my bidding on my birthday!)

I am way excited to strike this chore from my to-do list.

Soapdish

And to answer the rest of the Make Do, Repair or Replace gameshow questions, I will be continuing to make do with the Le Creuset dutch oven, as well as the salad tongs. I was going to snip off the elephant top to even out the pair, but my husband had a surprisingly strong reaction to keep the tongs as-is. So I will let him have his way.

They’re salad tongs, people. Not dying on that mountain!

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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The internet is full of beautifully styled shelves these days. From HGTV’s Emily Henderson to Young House Love’s Sherry Petersik, there are enough drool-worthy photos and tutorials to make a gal want to clear every shelf in her house just to replace it with fun and engaging new arrangements. (Note — when I say “gal,” what I really mean is “womyn,”  as I am a true-blue, card-carrying, flag waving feminist.)

Anyway . . .

The shelves surrounding my fireplace were just itching for a re-style. And you all know that my favorite home decor projects are those that cost nada, zero, zilch. (Note — when I say “nada, zero, zilch,” what I really mean is “nothing,” as I am a true-blue, card-carrying, flag waving cheap-o.)

Anyway . . .

Here are my shelves before I started the project.

Left side:

Right side:

Nothing terrible, just kind of stale. Definitely ripe for a makeover.

First thing I did was to remove all the books, bookends and stray doodads and wipe everything down. I then sorted the books by color and vintage-ness and gathered my bookends, vintage bowls of marbles and some smaller vases and pottery. The shelves are not at eye level, so it was important to keep sight line in mind. I strapped on a library audio book and got to work.

Red books and doodads here, blue books and doodads there.

The first incarnation looked like this:

 And this:

Better, but too literal in their symmetry. I wanted a balanced look without the confines of type-A symmetry.

I got back to work, angling the books, gathering more doodads and looking up my original Pinterest inspiration photos. Stepping back, stepping away and then rearranging a little more.

Here are the shelves in their final stage:

There are two individual shelves that I like the best. The blue one because it features the”What Katy Did” and “Nurse Against The Town” books, as well as a star of David:

I also like the yellow shelf because of the The Little House books and the smiley face mug. My decorating style often leans too far into the Grandma’s Living Room camp, so I try to inject at least a small amount of humorous and contemporary stuff.

I will likely continue to tinker with the arrangement, as this kind of project is never really done.

So, what do you think? Was it worth the effort? Please share your thoughts in the comments section below.

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”
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{ 48 comments }

I love to tinker with my 1914 house. Rearranging furniture, the occasional DIY project and of course, finding decor items at my local Goodwill thrift shops.

I have switched out the light above my kitchen sink a few times since buying the house in 1996, and recently had even tried to paint thin strips around the latest thrifted globe to mimic the look of Schoolhouse Electric lighting.

It looked awful. Luckily it was just paint and I had plans to scrape it off at some point.

But then I came across a new glass shade at, you guessed it, Goodwill (I really am predictable) that was everything my heart has ever yearned for. (Okay, perhaps I’m exaggerating teeny bit, but c’mon it was only $3.99!)

Yes, it was dusty and even included a few air dried incects, and I would rather spend ten minutes cleaning something up rather than hours at work earning the $55 required to buy a similar shade at Rejuvenation.

Plus mine is gen-oo-ine vintage.

Very hip.

 And since I still had my $20 Goodwill gift card from Christmas, no money left my wallet anyway!

I really like how the light looks coming through the unpainted stripes, almost metallic. I’m not sure of the age of my new shade, but it gives me a mid-century feel from the era when the future was all about rocket ships and flying cars. (And if it’s from the decidedly shag-carpet-y 1970’s, then I can live with that as well.)

And the old shade? I’ll take it to Hippo Hardware for credit, and hopefully can make a trade for the soap dish tile to replace the one that fell from the shower wall.

Update: Hippo Hardware give me $10 credit for the old glass shade, which paid for half of the new-to-me soap dish tile. Yay!

After I scrape off that dreadful red stripe, of course.

Katy Wolk-Stanley

“Use it up, wear it out, make it do or do without.”

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