For This I Am Thankful

what-are-you-thankful-for

Thursday, I will be catching some early morning Black Friday sales at Rite Aid (FREE ear buds, people!), enjoying the annual Thanksgiving service at my church and getting down to the business of eating, a little later in the day.

So, I thought I would share my gratitude today, instead.

  • My health and health and insurance…for this I am thankful
  • My family and my place in it…for this I am thankful
  • My own Mirror Image…for Her I am thankful
  • My job and manager…for those I am thankful
  • My passport…for this I am thankful
  • Travel rewards and points…for this I am thankful
  • The opportunities to give and serve others…for these I am thankful
  • Honorable Police…for them I am thankful
  • Dedicated garbage collectors…for them I am thankful
  • Patience…for this I am thankful
  • Forgiveness…for this I am thankful
  • The election is over…for this I am thankful

Have a marvelous Thanksgiving and a Happy Black Friday!

Thrifty Image

Eating Green This Summer

Funny Vegetables

I won’t try to fool anyone.  I love myself some cookies.  And donuts.  And pie.  And fajitas and fried chicken.  Love, love, love.

But in the summer time, I get giddy for garden vegetables.  The fresh from the garden taste of tomatoes and cantaloupe is a joy to behold and I am all in.  This year, I planted several tomato plants, eggplant and green pepper.

In addition to doing this out of a desire to have another dimension to my life.  I also look forward to the monetary savings of growing my own food.  Truly, I experienced physical pain earlier this Spring when I had to hand over $2.49 per 2-pack at Aldi for green peppers.

Except for a handful of cherry tomatoes, nothing major has come from my garden, yet.  In fact, the beetles are eating my eggplant and a rabbit has laid claim to the green pepper plant.  But, I am not discouraged!  That is because so many others are doing quite well on their gardens and guess who gets to benefit?  Me!!!!

So far, I have saved by not having to buy zucchini or squash or celery because other gardens surplus has provided for me.  In fact, my mom went so far as to not only give me a load of squash and cucumbers, she took some of the squash, turned it into an amazingly delicious casserole, let herself into my house and left us dinner for the evening.  THANK YOU, MOM!

I am looking forward to when my little patch of gardening earth starts throwing up the goods.  I will eat those veggies and share them, too.

Saving money by gardening is delicious!

Thrifty Image

Weekend Money – Business Travel Edition

Cartoon Airplane

Money falling

I am on my way to a conference and trade show in Orlando. I leave Saturday and return Wednesday so the weekend money will definitely be impacted.  First by making sure Mirror Image, Thrifty Pooch and the Thrifty Cottage are all taken care of. And second, by purchasing items or services I wouldn’t ordinarily purchase on account of being out-of-town.

How to spend the Weekend Money:

Church (I will donate electronically through the website since I will be out-of-town) – $328

Groceries – $25

Fun Outing – $0

Hotel* – $390

Parking* – $18

Taxi* – $40

Snacks for travel – $5

Restaurant Food* – $80

Hotel Spa Service – $125 + tip

Total – $1,011

* Travel expenses for which I will be reimbursed.  In order to accumulate travel miles and points, I will pay on my Barclay’s Arrival card.

Certainly my most expensive weekend in a long time.  If ever.

These are just Friday, Saturday and Sunday expenses.

I haven’t completely decided but I might indulge in a spa service.  Likely a massage.  It is a little pricey – like most things in Orlando.  I do have a feeling however that I will need the service since the booth we will be constructing for the conference is HEAVY.

Mirror Image will have a lot of fun this weekend that will cost me nothing extra.  While I am gone, she will go to Ripley’s Believe it or Not on Saturday and RockinJump on Sunday.  It will be nice to finally have those two adventures used up.  Plus, if she is kept busy, she won’t weep because she misses me so much.  Yeah, right…

As for my fun, being in a lovely hotel without having to get up early each morning and walk the dog is fun enough. But the cherry on top will be watching the Walking Dead (if it is available on my hotel cable), doing my taxes and taking a dip in the hot tub. All of these are free.

For now, I need to stop writing about spending money but actually go spend it and then pack.

Thrifty Image Mirror

 

A Look into Bizarro Land

Bizarro

For the past 8 years, I have lived, with Mirror Image, in a neat little cottage in an established, if not a little worn, quiet neighborhood.  I have had 3 cars since moving in (future post!) and have had 4 different full-time jobs as well.

We have bought clothes and furniture. We’ve donated clothes and furniture. We repainted rooms, replaced plumbing and hosted more delicious, laughter-filled family gatherings than I can remember.  I have exercised religiously in that house, and eaten full sheets of homemade white chocolate chip cookies on the living room sofa.

Since I moved in, I have had 7 different mobile phones in that time from 4 different carriers, while Mirror Image has had 2 phones from discount provider FreedomPop. We have also watched tv with 5 different cable packages from 2 different cable companies.

We have enjoyed 2 beautiful loving dogs and sadly, lost one.

I have also saved, consistently and sacrificially,  to various accounts like – Mirror Image’s College 529, Roth IRAs, Emergency Funds, Vacation Funds and several mutual funds through Schwab. This is in addition to my 401K savings throughout the years.

This is what I do.  Purposefully and frugally I save 25-30% of my annual salary. I also donate another 11%.  This means I sometimes don’t purchase what others have.  At least not right away. It means putting my future ahead of my present. And I am just fine with that.

And then there is Mirror Image. With her constant awareness of trends and commercials advertising STUFF, she is more interested in consumerism. Her questions and desires have made me wonder lately, what would my life look like if my savings and donations budgets were less or zero. So I decided to turn it into a game… These are some game titles I liked

  1. The NO Vision Board
  2. A Game of Spends
  3. The Walking Consumer
  4. Clue(less)

Here is how I would “win” the game:

My cute, relatively easy to clean cottage with an $867 mortgage payment would be replaced with either a 3,000 sq ft house or a kick-butt downtown loft at minimum $2,000 monthly payment

My gently used, new to me Nissan Rogue with no monthly payment, would be replaced with a 2017 Audi Q7 starting at $54,800. So even with a 20% down payment, that’s a $1200 payment each month for 3 years.  That’s only if I don’t add any upgrades.

Mirror Image would be carrying the new iPhone potentially priced at about $1,000 and combined with a $50 phone plan from one of the major carriers.  By the way, ALL of the classmates have the latest cell phones (she reminds me daily). This would be in place of her FREE plan she has now with FreedomPop.

Not to be outdone by my kid, I would have the latest Samsung Galaxy priced at about $700.  Also with a $50 phone plan.  This would be instead of the $10 plan I have and love now with Republic Wireless.

We would travel first class when we fly.  Because “why not?” So, conservatively $1,000 each domestic round-trip ticket.

I would buy more clothes to fill the now gigantic closets of the new house/loft.  Our clothing allowance would rise from around $200 each August and December to coincide with Back to School and Christmas shopping to at least $200 per month to accommodate our new social life, fashion seasons debuts and those times when we realize, after perusing our bulging closets, we have nothing to wear. I would also need new clothes to accommodate my anticipated weight gain because…

Our restaurant budget will increase. Instead of going out to eat an average of less than once per month, we would likely go out to eat 3-4 times per week. spending roughly $50 per meal would be a conservative guess.

I would also need to hire a housekeeper to clean the larger home. A dog walker because I will be too busy eating out and showing off my fancy clothes to do it. I would need to allocate more money to hire a travel agent to handle my upclassed travel. I would also need to pay someone to clean my car weekly because a beautiful machine like the Audi Q7 should be kept in tip-top shape.  And people in my new neighborhood don’t wash their own cars.

Did I really ‘win’?

I see the appeal in the trappings.  In fact, before having Mirror Image, I lived some of these trappings and yet still saved regularly.  Being a SINK for me meant being RICH. Fancy travel, shiny cars, big house with double car garage (with only one car) and lots and lots of eating out with friends.

But that is not my life anymore and now the price of a fancy meal isn’t the meal cost but a lack of investment in the future. Paying for that fancy car means not being prepared for job losses during a fickle economy. Buying more of those important things means maintaining, insuring and worrying about them.

I think I will just have to accept the richness of my life as it is. Great kid, safe house, dependable car, good health and access to awesome homemade food. I will accept these genuine riches as I build my future instead of paying to look rich in the present.

Thrifty Image Mirror

What would your game title be?

What we Should All Know

Lisa Simpson Basics

Mirror Image is 11 years old.  As young as she is, it still feels like she has been around a lot longer than she has.  So sometimes I am surprised by the questions she asks me.  Questions that have answers that seem obvious to me but apparently, haven’t brushed up against her world yet.

That got me thinking about how many people, myself included, often miss or just don’t know some obvious basic things. No matter how loudly our parents, our church leaders or Suze Orman yells them from the rooftops.  So below are some Wednesday morning thoughts or some basics to live (better) by:

Money

  • Work for it
  • Save more of it
  • Invest It
  • Respect it
  • Talk about it
  • Learn more about it
  • Manage it
  • Don’t let it determine self-worth

Home

  • Research it
  • Clean it
  • Protect it
  • Maintain it regularly

Health & Hygiene

  • Wash hands
  • Cover mouth when coughing/sneezing
  • Stay home when sick with the flu
  • Clean – tone- moisturize
  • Brush 2x/day
  • Self examine
  • Have medical insurance
  • Exercise daily
  • Eat more vegetables
  • Drink more water

Relationships

  • Be respectful
  • Say please
  • Say thank you
  • Flirt
  • Be honest
  • Be enthusiastic
  • Give hugs
  • Accept hugs
  • Genuinely listen
  • Apologize
  • Accept apologies
  • Refuse abuse

Joy & Happiness

  • Pursue it
  • Be responsible for your own
  • Look up
  • Share it
  • Give to others
  • Read EVERYTHING
  • Dance whenever you hear your favorite song
  • Have many favorite songs

Thrifty Image Mirror

What are some other basics I may have missed?