Saturday, February 8, 2014


Well, That's Crafty  

We just completed week one in the February #SpendZero Challenge. I wrote about it last week. You can find more info or join in at www.livingwellspendingless.com. For us, the challenge really isn't about not spending anything at all. It's more about making conscious choices about where we spend our hard-earned money and what this says about our priorities.
Over the past week, some things struck me.

1. It's easy to spend "just a little more."  It occurs to me that little add-on items really boost the bill. The appetizer, extra drink, chips, whatever...just boost the bill. I still went out to eat last week but limited myself to an appetizer and water. For me, that means visiting my beloved Plaza Azteca and ordering a side of refried beans and water. No cheese dip. No peppers, sour cream, soda or tea. Good friends ordered cheese dip and shared. So, do we really need all that food? Probably not. How much of it is habit? Probably, quite a bit. Might this approach save people more than money eating out? What about gym fees and special diets later? What about the toll on our health?

2. When did we start going to look for crafts? I'll be honest, I don't have time to craft (in the normal sense) these days. What I do have time to do is solve an immediate problem with a creative solution. My composting sign (above) made from a meat tray is a good example. I needed a way to direct the neighbors to which compost bin we were actively filling at the time. A bit of paint, a meat tray, and a ribbon from a Holiday package solved it. That's crafting. The best crafts arise from NEED. This week, I made household cleanser from vinegar and discarded citrus peels. Really simple. We normally clean with vinegar but citrus scented cleanser cuts the grease better and smells delish! When the coffers were full, I started making orange peel and honey marmalade by boiling orange peel in salt water and then adding honey. By the way, the honey is from left-over packets that came with tea over the last few months. Put it all in a jar and store in the fridge to use on meats or toast. It's fun. It doesn't cost me anything but time. It gives me a feeling of accomplishment.

3.When did we forget we had resources past our credit card? Friends help friends. It keeps us connected. It's fantastic that we can use a credit card and go online to solve any problem but should we use it as our first line of reaction? Probably not. Keeping items out of the landfill is good for the environment. Repairing is good for our wallet and those in our neighborhoods. It's hard to outsource repair to another country. There are worst things than owing a favor to a neighbor and few better than them owing you a favor. A favorite site is www.freecycle.org Just this week, I was able to find a part for a truck at work--for free. Sure, my boss would have opened his wallet and paid for the part (which is made overseas). Finding the part allows an employee to get more hours on the clock doing the install and get some training. It saves the fuel for shipping and the packing materials which would end up in the landfill. It allows us to keep equipment operating and reduces the chance that we would need to raise rates to clients because of expenses. You get the point. Sometimes the easy way robs us of so many benefits.  

Any challenge has a way of making us look at things in new ways. Someone else, somewhere, is thinking these same things. Someone has written an article or a book and has lectured on it. But until it's in our path, we don't see it the same way. If it were routine or easy, we wouldn't call it a challenge.  We started this challenge because we faced new uninsured medical expenses and needed to be sure we could cover them. Our safety net disappeared several years ago. There is a lot of uncertainty in life. We don't know if we will be able to cover them or not but it won't be because we didn't try. This challenge gives us a little bit of control in a wildly uncontrolable world.  These little seemingly insignificant choices are the very fibers that form the fabric that is our lives.   A friend said, "We are just three poor choices away from disaster."  We are hoping that with the guidance of others, we can stop at one or two.        

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Saturday, February 1, 2014

This February We are Doing the Spend Zero Challenge

I can hear you now. "Spend zero? How are you going to do that?" Well, we are doing the next best thing, taking the challenge to pare down our spending for nonessential expenses. It's actually pretty cool. We make the rules ahead of time. What is allowed, what isn't, and in what cases we can break the challenge. We have done similar things before, including the cold turkey, freeze your credit cards and lock yourself in the house plan. While surfing the net, I came across www.livingwellspendingless.com and was impressed. Not only is the plan mapped out but you can print out all the resources you will need. It's a great site with coupon strategies and nifty DIY stuff too. So, Here goes... We did a meal plan ahead of time and equipped with my 6 inch thick coupon binder, I headed off to the grocery to try and stock for an entire month while still cutting costs. This is a unique challenge since we will be eating in and brown bagging almost all of our meals. At the same time, We want to rotate our stockpile and use up the odds and ends in the pantry. After an hour in the store, I emerged with two buggies of goodies and a bill of $217.00. Sure hope I estimated and planned well because feeding two people all meals and snacks for a total of $7.75 per day seems awfully low. That's $3.88 per person, per day! I'll be checking in to share how the challenge is going and any insight or pointers we come up with. We have been seriously homesteading in an urban environment for the last 10 years with fantastic results. Dealing with the damage from 3 major storms, serious illness, and career changes have given us new resolve to make even better use of our resources. Along the way, we'd love to share the hows. I'm sure you have your own whys. Tomorrow, I will share some of the rules we set down for the month and our biggest concerns. The Super Hubster will be enjoying the first free entertainment of the month--the SuperBowl--and eating a special meal to kick off (couldn't help the pun) the challenge! Follow Me on Pinterest