Summer Reading Recommendations

by Katy on June 23, 2009 · 22 comments

Home_Photo_books

This question from Judy C. was languishing in the comments section of the Ray Bradbury post from a few days back. I thought it deserved it’s own post.

Katy (and others);

Would you list a few – or a couple dozen – of your favorite “reads” for your followers? I’m looking for some summer recommendations since, I, too, after a haitus of many years intend to rediscover our local public library. Thank you!

I am usually reading a number of books at a time. Some are books I deliberately put on hold at the library, others were pulled off the shelf. Here is a post I wrote last year about a few of my fave books.

I am currently reading:

Mindless Eating:  Why We Eat More Than We Think, by Brian Wansink.

Don’t Get Caught With Your Skirt Down: a practical girl’s recession guide, by Jill Keto.

WordPress for Dummies, by Lisa Sabin-Wilson.

Lincoln’s Daughter, by Tony Wolk.

My husband is reading:

The Total Money Makeover: A Proven Plan for Financial Fitness, by Dave Ramsey.

I also read library audio books that are usually mindless fun while doing the drudgery of housework.

Let’s do each other a favor and recommend some of our favorite books to each other.

Please write your book picks in the comments section below.

Katy Wolk-Stanley

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

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What Do You Have Too Much of?

by Katy on June 22, 2009 · 38 comments

Fiestaware

My name is Katy and I am a recovering packrat. It’s been two weeks since my last thrift store excursion.

I have spent the majority of my adult life stalking garage sales and thrift stores for diamonds in the rough. That perfect Fiestaware platter, that perfect vintage tablecloth. The thrill of the hunt, and the subsequent display of my fresh kill.

Rawwr!

Fast forward 20 years and that perfect Fiestaware platter is now in the way, and that perfect vintage tablecloth? Lost among a sea of other perfect tablecloths.

Whimper.

How much kitchenware does a girl need?!

I’ve slowly been winnowing down my collections, but I can still host a party for 30 without even entertaining the thought of a paper plate.

Letting go of belongings is not easy for me. I remember where the object came from and often how much I paid. But I have to remind myself that the important word here is “object.” It’s a thing, and it has no feelings.

The garage sale that I held a few weeks ago was extremely cathartic. To witness the clutter of my life leaving my house, with the added bonus of money in my pocket was an intoxicating blend. I am now viewing my belongings as potential moneymakers, (after years of Goodwill donations) and I plan on having another sale before too long. Because yes, I unfortunately have enough stuff to stage another big sale.

As my house has slowly decluttered, my life and frankly my time have become much more free. I’m spending less and less time cleaning and organizing, and more time doing, well . . . whatever I want.

Which brings me to the question:

What do you have too much of, and how does that affect you?

Is it books, thimbles or painted Mrs. Butterworth bottles? Is it ceramic owls, picture frames or comic books?

Please share how you’re dealing with your stuff in the comments section below.

Katy Wolk-Stanley

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

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A Low Non-Consumer Moment

by Katy on June 21, 2009 · 17 comments

barbeque

Most of the time, I am happy to live the Non-Consumer life. I’m happy to be part of The Compact, (buy nothing new) I’m happy to vacation close to home and I’m happy to cook from scratch. I feel no deprivation whatsoever.

But tonight brought a few minutes of self-pitying wanton desire for a nice sit-down restaurant meal.

Not only was today Father’s day, but we also welcomed a British soccer coach into our home for the week. And I wanted to make a nice meal that would honor both my husband and our house guest. I saw that chicken breasts were on sale at the grocery store for 99 cents per pound, so I nipped over to the store to pick up a packet. These were not the boneless, skinless ones we usually buy, but I brought them home anyway.

Eh, big deal . . . what’s the difference?

Well . . . the skin on the chicken will dramatically catch on fire when barbecued for starters. This not only chars the chicken into a carcinogenic lump of coal, but also singes the front of my hair into a less than attractive hair don’t.

Oy vey!

I stood over the kitchen sink scraping the skin, desperately trying to salvage this now embarrassing meal.

And then it came to me — it sure would be nice to bag this catastrophe and head out to one of the many fabulous restaurants that dot my neighborhood.

And it wasn’t even the money that stopped me. It wasn’t all the work I’d already put into the meal, (table set, side dishes prepared and on serving platters, water glasses filled.) It was the time constraint. It was now 7:30 P.M., and my husband had to leave for work at 8:30 P.M. There simply wasn’t time to eat out.

We did eat the horrible chicken and somehow survived. The British soccer coach had the good manners to actually compliment the meal, bless his heart. And I’m thinking maybe we can plan a meal out when we can actually linger and enjoy the experience. I might even go to restaurant.com and get one of those cheap-o gift certificates.

I just hope it happens before headbands go out of style.

Are you eating out less than in years past? 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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Fahrenheit 411

The New York Times ran an article yesterday about the author Ray Bradbury’s lifelong love and support of public libraries.

“Libraries raised me,” Mr. Bradbury said. “I don’t believe in colleges and universities. I believe in libraries because most students don’t have any money. When I graduated from high school, it was during the Depression and we had no money. I couldn’t go to college, so I went to the library three days a week for 10 years.”

Regular readers of The Non-Consumer Advocate already know about my love of both science fiction and libraries. So the knowledge that Ray Bradbury and I share these common passions fills me with head to toe happiness.

And 89-year-old Mr Bradbury’s advice on longevity?

“The children ask me, ‘How can I live forever, too?’ ” he said. “I tell them do what you love and love what you do. That’s the story on my life.”

Excellent advice.

Now I have reasoning and backup for my laying around and reading library books lifestyle.

Thank you Mr. Bradbury. I’ll see you down at the library.

Katy Wolk-Stanley

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

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Don't Buy Stuff & Un-Broke Cribs

by Katy on June 19, 2009 · 8 comments

snldontbuystuff

Click here to watch a hilarious Saturday Night Live skit entitled, “Don’t Buy Stuff.”

It’s all about a couple (Amy Poehler and Steve Martin) who can’t figure out their finances, and are helped by a book/pamphlet titled, “Don’t Buy Stuff You Cannot Afford.”

Simple yet effective.

Click here for the hilarious  Funny or Die video “Un-Broke Seth Green Cribs Edition.” The bit about how the “pool is straight filled with hose” makes me laugh every time.

Both videos inject a little humor into the theme of living within one’s means. Enjoy!

Katy Wolk-Stanley

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

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Ask Katy — Natural Products

by Katy on June 18, 2009 · 23 comments

organic-food-usda-9451

I received this question from Non-Consumer Advocate reader Jeff:


Katy,

Do you typically buy natural health and beauty products, nontoxic household and laundry cleaners, and either organic or local foods? Such items are appropriate for a green lifestyle, but they can be budget-busters. I’m generally willing to pay extra for earth-friendly and healthful goods, but staying the course can be tough when money’s tight. I’m hoping you and maybe some of your friends and fans can offer some insights.

Jeff,

Good question. I have given up all my toxic cleaning supplies, (I put them on craigslist for free and they were gone faster than you can say, “yummy, yummy chemicals!”) but that doesn’t mean I’m now spending a fortune on green cleaners.

Here’s my dark and dirty secret — I mostly just clean with water and occasionally a squirt of dish soap. (That’s how I mop my kitchen floor, which is pine.) When I’m about to launder the hand towel in the bathroom, I wet it first and wipe out the sink. When I’m washing the bathroom towels, I’ll wet one and give the bathroom floor a quick swipe. No fuss, no muss.

I’m also saving the earth from excessive cleaning supplies by not cleaning that often. I highly doubt I’ll be on my death bed and wish I’d spent more time keeping my house in a constant state of immaculate-itude. Keeping a perfectly clean house is a fallacy and a poor priority in my eyes.

For laundry detergent, I make my own from Fels Naptha Soap, washing soda and borax. It sounds like a pain, but it only takes a few minutes, and works great. I also use the borax as a cleanser for the kitchen sink and bathtub. I have tried baking soda in the past, but the elbow grease required is beyond my patience.

I am currently using up a Costco container of dishwasher detergent that does contain phosphates. But I will be more mindful with the next purchase.

And beauty products? Well . . . beauty like mine doesn’t come in a box. Seriously though, I rarely wear makeup and have next-to-no beauty regime. I am a low maintenance gal.

I have however been coloring my hair over the past year or so, and I do so with a nasty chemical-laden box of drugstore hair dye. This is one of my few vanities, as my natural hair color was dragging me down. In an ideal world, I would cherish the dishwater blond strands that emerge from my scalp. But such is not the case.

Organic and local foods? Ahh . . . here is where I’m going to look pretty bad. I do not feel that I am in a financial situation to be buying 100% organic food. I hardly buy any prepackaged foods, so we’re pretty good in the preservatives department, but I rarely make the organic food choices. I do have a small kitchen garden planted with tomatoes, lettuce, peas, blueberries, raspberries, cabbage, garlic, cucumbers and radishes. I use no chemicals.

I heard from a neighbor yesterday that a farmer’s market is going to be opening a few blocks up from the house. I plan on making it part of my rounds. (I am essentially somewhat lazy, and need things to be convenient in order to incorporate them into my rotation.) There is also a New Seasons natural grocery store that will be opening two blocks from my house in 2010. This store sells all kinds of wonderful natural and organic food and does have terrific sales, which I will be incorporating into my food gathering routine.

I only buy beef a time or two per year, and this is as much an environmental decision as it is a health one. We eat meatless meals around two-three times per week.

So Jeff . . . I guess I am a mixture of good and bad. I often make the green choice, but not always. I am extremely focused on paying off all personal debt, and I feel that buying the green marketed products can be a barrier to this goal. Really though, I wish all produce were organic and earth friendly and that I never had to make these choices.

Are you struggling over buying the green products while also striving to make smart financial decisions? Please share your thoughts in the comments section below.

Have a question for Katy and The Non-Consumer Advocate community? Send your questions to nonconsumer@comcast.net.

Katy Wolk-Stanley

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

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Lean, Mean and Cheaper Than Caffeine

by Katy on June 17, 2009 · 7 comments

The following is a reprint of a previously published blog. Enjoy!

I did it. I finally took the plunge.

Did I get an American eagle tattooed across my back? Did I buy a 1969 summer-of-love style VW bus?

Nope.

I finally switched my electric service over to green power. Wind energy. Biomass energy. Geothermal energy. What’s not to love?

I wrote previously about about the dilemma of wallet vs. idealism. I knew the green source energy was the right choice, I just couldn’t make myself do it.

Why pay extra money on my electric bill, when I’m simultaneously doing everything I can to lower it? I use CFL’s and obsessively turn off the power strips. Heck, I even line-dry my laundry in sunny, sunny Oregon!

But the Green Power Oregon director was on the local NPR radio station the other morning. Somehow, the guilt seeped through my iron-clad frugality armor. This is something I really should be doing. He talked about how the average green customer’s bill was only $7 more per month. Hmm . . . thought The Non-Consumer Advocate to herself. I’m not the average customer! He even used the tired analogy of “less than the cost of two lattes.”

I navigated myself through the PGE website. Sure enough, last month’s bill would have been only $4.32 extra. That clinched it. Even I am not that cheap.

Click. Confirm. Done.

Now I can relax in my occasionally well-lit home, smug in the knowledge that my electricity is lean, mean and cheaper than caffeine.

Katy Wolk-Stanley

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

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Click here to read an ABC.com article on “How to Embrace Your Inner Cheapskate” that includes an interview with me.

Katy Wolk-Stanley

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

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Trust

by Katy on June 15, 2009 · 15 comments

trust

I’ve recently become a great fan of trust. And once I started to think about it, I realized that trust permeates almost all aspects of my life.

Mother, nurse, wife, daughter, friend, citizen and neighbor.

My sons and I were attending the library volunteer orientation last week when Jane, the youth librarian was asked this question:

“What do we do if someone is trying to trick us into getting extra prizes?”

Her answer blew me away.

“The entire library system is built on trust. We give away our books and we have to trust that people will bring them back. Sure, some people are going to try and take advantage of that trust, but that doesn’t mean we stop being trustful.”

When I go to work as a labor and delivery nurse, my patients have to trust that I will make safe decisions and that I know what I’m doing. When I welcome my kids’ friends over to the house, their parents have to trust that my home is a safe environment. When my husband and I talk, we have to trust that there is honesty and good will. When a neighbor borrows our wheelbarrow, I have to trust that they will treat it well and return it promptly. And as a member of The Compact, (buy nothing new) I have to trust that I can find second hand goods for my family.

Does this mean that I should disregard my instincts and trust any and all?

Absolutely not. I always lock my front door and am consider myself to be pretty street smart. (I am after all, a city girl.) I am also extremely cautious about the homes my kids are allowed to go to.

Portland, Oregon has experienced a high number of horrific crimes in the past month which have shocked and saddened our city. One of these crimes involved craigslist, which I have utilized to great success through the years. I have bought and sold dozens of items through craigslist and have only once had the transaction seem less than ideal. (Did I buy a stolen microwave? I really hope not.)

My husband is a Paramedic, and sees the sordid underbelly of our great city. He asked that I no longer sell on craigslist unless he’s at home when the buyer comes over. I think he was all set for me to debate his request, but I agreed that this would indeed be a smart policy.

I don’t want to have strangers come over to the house when I’m the only adult at home. That’s not so street smart.

Will I give up my trust in the inherent good in people just because of a few horrific incidents?

Again, absolutely not!

I will continue to trust that a library book will be returned, that my wheelbarrow is treated well, that my local Goodwills will provide everything my family could ever possibly need and that the person coming to look at our old bicycles is most likely worthy of my trust.

Do you feel you are becoming more or less trusting as you get older? 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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totalmoneymakeover1

Congratulations to Jessica whose money saving tip wins her a copy of Dave Ramsey’s Total Money Makeover.

Jessica, (not my sister) won with this tip:

I was raised by a “fixer;” my dad can jerry-rig and repair almost anything. We call him the King of Duct Tape and Paper Clips, and now I’m dating someone who’s just the same when it comes to fixing things instead of throwing them out.

By valuing the things we have instead of automatically going out to buy something new, we save money and try to keep our trash footprint down.

The winner was picked randomly, which was very helpful since it would have been a nightmare to just pick one. Here is but a small sample of the incredible budgeting and money saving tips submitted by readers:

From Jenn Baron:

I am a “tip junkie” because I love to learn new ways to be green and save money!! For me the first step and best tip is to have a total attitude adjustment! You can’t live with a deprivation mentality or feel that you are constantly missing out on things. Be creative and resourceful and be truly GRATEFUL for what you have. When you have those attitudes everything else seems easier and doable and life is a whole lot more fun and joyful!!

From Jana:

My children only wear hand-me-downs. I have 8 nephews and 2 nieces. My children are the youngest on both sides. I have made a round robin with my family on both sides and friends with children who fall in between. Meaning- the oldest boy passes his clothes to my nephews on the other side and they keep passing until they are worn out or too gross to wear! Everyone wins! We have also started doing this with games, toys and sports equipment. It saves tons of money and helps complete the circle. All families are happy-especially mine- they get multiples of desired items sometimes!

From Rebecca:

All “found” money goes toward debt. If there is a spare bill forgotten in a jeans pocket when I’m doing laundry, change left over from paying cash, work bonuses, etc it is all set aside and applied to the debt once a month.

My husband and I also have a debt board. Each piece of paper on the board represents $100. Whenever we make a payment, we move the paper to the bottom of the board to show our progress. Plus, it helps us avoid extra spending because we know we’ll be able to “move a bill!” if we don’t buy something else.

From Constance:

If I think I need something, I wait a month to see if I still remember that I need it. I almost never do or I find that in a month, I can find it free, used or gifted.

From Katharine:

my money philosophy is pretty simple:
buy less crap.

🙂

From Teeni:

We don’t make payments or borrow money for anything. All cash, all the time. (We do have a free checking account with a free debit card.) No more keeping tracking of interest rates, late payments, mailing payments, etc. The past two cash-only years have been a revelation for us!

From Luta:

I take out our “allotted” money for the month, divide it into categories of expenses and keep it in a coupon holder. When the money is gone from the grocery category… that’s it for the month. So it means we have to spend wisely to let the money stretch through the month. Everything else stays in our savings account – we have several categories in our savings account – to save for rainy day expenses, bills that come once every 6 months and general savings – so when the bills come we aren’t surprised by them. When we moved to this system from using credit cards we started saving $200-$300 a month.

And my favorite tip is from Jeanne:

Love what you have! Enjoy where you are! Stop thinking about what others have or what you could have. Every time I get the urge to spend on something big, I try to love what I have.

Note that none of these tips are about double-couponing or how to get free stuff off the internet. A successfully frugal life is about an attitude of contentment with what you already have. Not craving whatever is newest, shiniest and most hip.

Click here to read all the fabulous contest entries. Thank you very much to everyone who entered budgeting and money saving tips!

Katy Wolk-Stanley

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

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