It would be tough, but...
perhaps the ideas in this post would be helpful. (Thanks so much, Living Almost Large!) Don't miss the reader comments, either...they're the best.
Tuesday, August 25, 2009
Quiet Millionaires
Mom and Joy are back in Michigan...a thunderstorm gave their ride home a gut-thumping thrill or two, and provided some needed rain here. Another is on the way...
J.D. Roth of Get Rich Slowly has a book review today on Brett Wilder's book THE QUIET MILLIONAIRE, advocating the merits of saving money by economizing, slowly and surely. He also has reminders about some of his previous posts in a similar vein, including this one on Jane Buri, a social worker that squirrelled away millions! (A video on Jane is here.)She drove an old car, dressed herself in long-wearing classics, and watched an ancient television. She also traveled whenever she wanted, including Europe, and gave generously to the charities she believed in. According to J.D., she saved because it didn't occur to her to spend more.
An interesting thought.
Other posts include one on a reader's "mathmobile" neighbor, 'John,' J.D.'s millionaire next door, and of course, those terrific reader comments. You'll learn a lot about deliberate frugality that way. 'John's' secret to wealth, for example? "The real secret is to spend less than you earn. I don’t care how much you earn, you spend less than you earn.”
One of my great favorites in this area is THE MILLIONAIRE NEXT DOOR, a matter-of-fact look at what could only be called "middle class millionaires:" people with bucks that don't really show it. Over and over again, they have the same habits --
*save up and buy quality, so it lasts for decades
*keep clothing and accessory purchases to a useful minimum (again, buy for classic longevity)
*buy your home -- and keep it forever
*buy your car the same way
Most of all, they save on the necessities of life -- so they can afford a luxury or two!
J.D. Roth of Get Rich Slowly has a book review today on Brett Wilder's book THE QUIET MILLIONAIRE, advocating the merits of saving money by economizing, slowly and surely. He also has reminders about some of his previous posts in a similar vein, including this one on Jane Buri, a social worker that squirrelled away millions! (A video on Jane is here.)She drove an old car, dressed herself in long-wearing classics, and watched an ancient television. She also traveled whenever she wanted, including Europe, and gave generously to the charities she believed in. According to J.D., she saved because it didn't occur to her to spend more.
An interesting thought.
Other posts include one on a reader's "mathmobile" neighbor, 'John,' J.D.'s millionaire next door, and of course, those terrific reader comments. You'll learn a lot about deliberate frugality that way. 'John's' secret to wealth, for example? "The real secret is to spend less than you earn. I don’t care how much you earn, you spend less than you earn.”
One of my great favorites in this area is THE MILLIONAIRE NEXT DOOR, a matter-of-fact look at what could only be called "middle class millionaires:" people with bucks that don't really show it. Over and over again, they have the same habits --
*save up and buy quality, so it lasts for decades
*keep clothing and accessory purchases to a useful minimum (again, buy for classic longevity)
*buy your home -- and keep it forever
*buy your car the same way
Most of all, they save on the necessities of life -- so they can afford a luxury or two!
Thursday, August 20, 2009
Wonderful Graphics - Free for Use!
I just found the Graphics Fairy, a blogger who generously passes on any number of old photos, scrapbook bits and other illustrations -- free for you to use! They're perfect for scrapbooking and home dec, quilts and other needlework.
I'm a sucker for Victorian era stuff, which she has in abundance. But there are plenty of other items too, including fancy bottle labels (which I recently priced in Tuesday Morning at big $$) and maps of Paris, the British Museum and London.
Sprint, don't walk here -- and take a look.
You go, girl! (And thank you.)
I'm a sucker for Victorian era stuff, which she has in abundance. But there are plenty of other items too, including fancy bottle labels (which I recently priced in Tuesday Morning at big $$) and maps of Paris, the British Museum and London.
Sprint, don't walk here -- and take a look.
You go, girl! (And thank you.)
Tuesday, August 18, 2009
It's Coming!
I just came across this great recipe for fudge bars, thanks to GroceryCartChallenge...but my motivation for making freezer treats is rapidly waning.
Fall is definitely starting to move in here. The trees are already showing patches of yellow and gold. (Our dominant fall color -- orange and red are at a premium.) A cold breeze wanders through in the afternoon, and we've had two days of rather nasty thunderstorms and wind.
I'm not sad. It's no fun to lie in bed, wishing you could breathe, or putting off supper to keep the house cooler. I love fall -- the visual grandeur, cooler weather, the sense of excitement (after all, the holidays aren't far behind). And even the tiny bit of sadness as the garden ends, and stews and soups begin.
I just hope we don't get a killing frost for a week or two, so the tomatoes and zukes have a chance to bear more.
Fall is definitely starting to move in here. The trees are already showing patches of yellow and gold. (Our dominant fall color -- orange and red are at a premium.) A cold breeze wanders through in the afternoon, and we've had two days of rather nasty thunderstorms and wind.
I'm not sad. It's no fun to lie in bed, wishing you could breathe, or putting off supper to keep the house cooler. I love fall -- the visual grandeur, cooler weather, the sense of excitement (after all, the holidays aren't far behind). And even the tiny bit of sadness as the garden ends, and stews and soups begin.
I just hope we don't get a killing frost for a week or two, so the tomatoes and zukes have a chance to bear more.
Sunday, August 16, 2009
A Very Sad Story
One of the saddest unemployment stories I've read in a long time...
and one of the best to learn by.
called "Nowhere to Go But Down."
He can't find work. She can't, either. They've lost their rented house, and are forced to move into Her mom's basement, now occupied by boxes, cat litter and a few small windows. Two-year-old Daughter and 17-year-old Son will be living with them.
But wait...
That's not the whole story.
Here are some other truths that eventually come out:
*He was making good money at his old job...and spending it fist-over-pocket. Blowing it on treating the whole bar to drinks, lavish meals, stuff like that. No savings. No retirement. No nothing. Just paycheck to paycheck.
*Education is a misnomer -- he got some training, but isn't using it. She isn't, either. (No sign that they're encouraging Son to even think this way.)
*She gets a job offer during the course of the article -- and turns it down. Not as much money as she can make getting unemployment.
*What do they do now? Basically nothing, unless you count video games and watching television. Why fill out job applications? They cost gas and effort. (Hmmm...especially at the very end of the article, where one of his friends gets work at His old employer, and thinks there may be other work there. Does He go check before they leave town? Nope.)
*How do they eat now? Stack beer up there toward the top of the food groups. Lots of processed stuff, and tons of carbs. (This, after mentioning he's gained 40 pounds since he lost his job.)
*Teenaged son is failing school, but finds time to play XBox (which parents conveniently ignore). Son has no job. No goals. But he DOES have a girlfriend.
*Her mom is giving them a place to stay -- but is this new town full of better opportunities? Nope. And they sure haven't been looking for any, either.
I am trying hard to feel sympathetic toward this family. Obviously, they're in deep trouble. But have they stopped and looked at the patterns that put them into this situation? Are they trying to change anything?
Eventually, out of sheer inertia, He'll get a job. (Probably the unemployment benefits will run out, and He or She will be forced to Do Something.) But will they start to put money aside for the next hard time? Naahh. Too many people to treat down at the local bar.
and one of the best to learn by.
called "Nowhere to Go But Down."
He can't find work. She can't, either. They've lost their rented house, and are forced to move into Her mom's basement, now occupied by boxes, cat litter and a few small windows. Two-year-old Daughter and 17-year-old Son will be living with them.
But wait...
That's not the whole story.
Here are some other truths that eventually come out:
*He was making good money at his old job...and spending it fist-over-pocket. Blowing it on treating the whole bar to drinks, lavish meals, stuff like that. No savings. No retirement. No nothing. Just paycheck to paycheck.
*Education is a misnomer -- he got some training, but isn't using it. She isn't, either. (No sign that they're encouraging Son to even think this way.)
*She gets a job offer during the course of the article -- and turns it down. Not as much money as she can make getting unemployment.
*What do they do now? Basically nothing, unless you count video games and watching television. Why fill out job applications? They cost gas and effort. (Hmmm...especially at the very end of the article, where one of his friends gets work at His old employer, and thinks there may be other work there. Does He go check before they leave town? Nope.)
*How do they eat now? Stack beer up there toward the top of the food groups. Lots of processed stuff, and tons of carbs. (This, after mentioning he's gained 40 pounds since he lost his job.)
*Teenaged son is failing school, but finds time to play XBox (which parents conveniently ignore). Son has no job. No goals. But he DOES have a girlfriend.
*Her mom is giving them a place to stay -- but is this new town full of better opportunities? Nope. And they sure haven't been looking for any, either.
I am trying hard to feel sympathetic toward this family. Obviously, they're in deep trouble. But have they stopped and looked at the patterns that put them into this situation? Are they trying to change anything?
Eventually, out of sheer inertia, He'll get a job. (Probably the unemployment benefits will run out, and He or She will be forced to Do Something.) But will they start to put money aside for the next hard time? Naahh. Too many people to treat down at the local bar.
It's Coming...
Cloudy and much cooler...fall is definitely starting to make inroads.
Tell that to the tomatoes and zucchini, lazily growing fruit in huge pots on the terrace -- "Hurry up, guys! You don't have much longer!"
The dogs know it. They stand, ears flapping in the breeze, and sniff and sniff. Then they race us to get in the house first.
A perfect afternoon for a long snooze, cuddled up to Husband.
Then he finishes installing the ceiling fan...and I'll do the dishes!
Tell that to the tomatoes and zucchini, lazily growing fruit in huge pots on the terrace -- "Hurry up, guys! You don't have much longer!"
The dogs know it. They stand, ears flapping in the breeze, and sniff and sniff. Then they race us to get in the house first.
A perfect afternoon for a long snooze, cuddled up to Husband.
Then he finishes installing the ceiling fan...and I'll do the dishes!
Saturday, August 15, 2009
Making Progress
Husband spent a hot and sweaty chunk of this afternoon installing a ceiling fan in Daughter #1's old bedroom....after I put away some more stuff in there. It still is messy, but I'll clean up after the fan is in and running.
Gee, it was hot. Again.
I put on a sleeve (on a quilt! a quilt!) for a friend, worked on the two bedrooms, and washed clothes. Loads and loads -- over and over.
The freezer beckons...my pig is at the butcher's, and I need to chip out the freezer so it's suitably empty.
* * * *
Watched an incredible movie tonight: Flash of Genius, starring Greg Kinnear, about Dr. Bob Kearns, the inventor of the intermittent windshield wiper. Kearns, a college professor, showed his invention to Ford, thought he'd reached an agreement with them, only to be shoved aside as Ford released its newest model cars -- oops, with a brand-new innovation: intermittent wipers!
It took Kearns decades to finally sue Ford and win a little more than $10 million for his invention. (He also sued Chrysler, and eventually got more than $18 million from them --I wondered, what about GM?) In the process, though, he had a nervous breakdown. He spent millions on legal counsel. And he divorced and was estranged from his family for much of that period.
If the movie is right, Ford offered to settle several times with Kearns -- but they just wouldn't acknowledge that he was the inventor. Husband, who also watched the movie (and is an engineer by trade and temperament, like Kearns), differed with me. I said, "What if Kearns had taken one of those earlier settlements? He might still have had his wife and family with him."
Husband looked at me in surprise. "But it wouldn't have been justice. Kearns wanted that more than the money. His wife left him." (Implying, of course, that she should have hung in there. Even though, if Kearns was portrayed accurately by Kinnear, his life was controlled by little else than the wiper issue. Which would have made life hell for his family.)
"He got the money,instead -- lost his family, and more than a decade of productive life. Was it worth it?"
And yet as I said that, I thought how I would feel if someone had put their name on the books I've worked so hard on. How gaining rightful recognition as the author would mean more to me than $10 million, or $18 million...or whatever.
I still don't know what would have been best. But I do know that others, including Elias Howe (the inventor of much of the parts of a sewing machine), Philo Farnsworth (the inventor of television), Edwin Armstrong (the regenerative circuit and FM radio) and others have also had to fight to win recognition for their inventions. Sometimes, in the case of Farnsworth and Armstrong, they get that honor posthumously.
The movie struck a personal note, too. Sometime before 1976, my dad, who was working for a Case farm equipment dealer at the time, figured out an addition that would not only make Case tractors work more efficiently, but was not difficult to implement. News of his innovation somehow got to corporate headquarters in Racine, WI, and the Case people sent out men to talk with Dad and check out his idea. He showed them everything.
Lo and behold, the next year, the newest Case models showed an interesting new detail! You guessed it...my dad's invention.
He never got any recognition for it -- and not a cent.
Gee, it was hot. Again.
I put on a sleeve (on a quilt! a quilt!) for a friend, worked on the two bedrooms, and washed clothes. Loads and loads -- over and over.
The freezer beckons...my pig is at the butcher's, and I need to chip out the freezer so it's suitably empty.
* * * *
Watched an incredible movie tonight: Flash of Genius, starring Greg Kinnear, about Dr. Bob Kearns, the inventor of the intermittent windshield wiper. Kearns, a college professor, showed his invention to Ford, thought he'd reached an agreement with them, only to be shoved aside as Ford released its newest model cars -- oops, with a brand-new innovation: intermittent wipers!
It took Kearns decades to finally sue Ford and win a little more than $10 million for his invention. (He also sued Chrysler, and eventually got more than $18 million from them --I wondered, what about GM?) In the process, though, he had a nervous breakdown. He spent millions on legal counsel. And he divorced and was estranged from his family for much of that period.
If the movie is right, Ford offered to settle several times with Kearns -- but they just wouldn't acknowledge that he was the inventor. Husband, who also watched the movie (and is an engineer by trade and temperament, like Kearns), differed with me. I said, "What if Kearns had taken one of those earlier settlements? He might still have had his wife and family with him."
Husband looked at me in surprise. "But it wouldn't have been justice. Kearns wanted that more than the money. His wife left him." (Implying, of course, that she should have hung in there. Even though, if Kearns was portrayed accurately by Kinnear, his life was controlled by little else than the wiper issue. Which would have made life hell for his family.)
"He got the money,instead -- lost his family, and more than a decade of productive life. Was it worth it?"
And yet as I said that, I thought how I would feel if someone had put their name on the books I've worked so hard on. How gaining rightful recognition as the author would mean more to me than $10 million, or $18 million...or whatever.
I still don't know what would have been best. But I do know that others, including Elias Howe (the inventor of much of the parts of a sewing machine), Philo Farnsworth (the inventor of television), Edwin Armstrong (the regenerative circuit and FM radio) and others have also had to fight to win recognition for their inventions. Sometimes, in the case of Farnsworth and Armstrong, they get that honor posthumously.
The movie struck a personal note, too. Sometime before 1976, my dad, who was working for a Case farm equipment dealer at the time, figured out an addition that would not only make Case tractors work more efficiently, but was not difficult to implement. News of his innovation somehow got to corporate headquarters in Racine, WI, and the Case people sent out men to talk with Dad and check out his idea. He showed them everything.
Lo and behold, the next year, the newest Case models showed an interesting new detail! You guessed it...my dad's invention.
He never got any recognition for it -- and not a cent.
Tuesday, August 11, 2009
More Good Stuff!
Yes, I have other things to do...but this is the first time in weeks I've not had a Huge Pressing Deadline on my back. So surfing the 'net feels like fun.
Not that I don't have two rooms to clean out, so Mom and Cuz Joy actually have a place to sleep when they visit next week...
Anyways, here's the first: a New York Times article on dumpster swimming. You read that right! People in New York City are cleaning out and lining dumpsters, then making them into temporary swimming pools.
Weird, but brilliant!
And here's a shoe garden for plants...a hanging shoe caddy that holds plants.
(and thanks, Tracey at Frugal Luxuries, and her buddy at Dirtdujour!)
Not that I don't have two rooms to clean out, so Mom and Cuz Joy actually have a place to sleep when they visit next week...
Anyways, here's the first: a New York Times article on dumpster swimming. You read that right! People in New York City are cleaning out and lining dumpsters, then making them into temporary swimming pools.
Weird, but brilliant!
And here's a shoe garden for plants...a hanging shoe caddy that holds plants.
(and thanks, Tracey at Frugal Luxuries, and her buddy at Dirtdujour!)
Wyoming
I enjoy the heck out of WalletPop's "Cheapest Person I Know" slide shows. Here's one to get you started. Sure, they can be disgusting, like the old lady who starts her woodstove with her used toilet paper. (If you've been to certain parts of Mexico, this isn't nearly the stretch you'd think -- since tp can't be flushed, but put in the trash basket, instead. I am not making this up. It's too hard on their septic systems.)
But I also take notes: like the guy who put his car in for an oil change, when told them he'd pick it up the next weekend. Saving, as a result, days' worth of parking charges while he went on vacation!
* * * * * *
I love Cheyenne, WY. It's just so clean, so matter-of-fact country...and so wide-open. The sky seems to go on forever over the plains.
The people there are wonderful, too...warm, friendly and very thoughtful. Three days of appraising reminded me of that. I've been appraising for them now for at least 3 years -- 4, actually, I think -- and the quilts are changing. Much less emphasis on flannel and 'for-the-bed' quilts (although large ones are still being made at a faster pace than some other places). More emphasis on experimenting with fabric and color -- especially, to my surprise, ocean themes and shades. (Like Colorado, there ain't much water around there, folks.)
They have their share of antique quilts, as well, though most I see have definitely been put to use for decades, keeping the family warm and comforted. Not much waste or frivolous stuff goes on around Cheyenne. Even the capital building is much more matter-of-fact than Denver's flibbertigidget gold-leafed dome.
I am missing you already, my Wyoming friends.
But I also take notes: like the guy who put his car in for an oil change, when told them he'd pick it up the next weekend. Saving, as a result, days' worth of parking charges while he went on vacation!
* * * * * *
I love Cheyenne, WY. It's just so clean, so matter-of-fact country...and so wide-open. The sky seems to go on forever over the plains.
The people there are wonderful, too...warm, friendly and very thoughtful. Three days of appraising reminded me of that. I've been appraising for them now for at least 3 years -- 4, actually, I think -- and the quilts are changing. Much less emphasis on flannel and 'for-the-bed' quilts (although large ones are still being made at a faster pace than some other places). More emphasis on experimenting with fabric and color -- especially, to my surprise, ocean themes and shades. (Like Colorado, there ain't much water around there, folks.)
They have their share of antique quilts, as well, though most I see have definitely been put to use for decades, keeping the family warm and comforted. Not much waste or frivolous stuff goes on around Cheyenne. Even the capital building is much more matter-of-fact than Denver's flibbertigidget gold-leafed dome.
I am missing you already, my Wyoming friends.
Saturday, August 8, 2009
Hail Yes...Or No?
Didja miss me? I've been appraising in Cheyenne, WY for the past three days. It sounds like it's forever and away, over the plains. Well, it is -- but only a two-hour trip. On the drive home tonight, the poor Jeep Cherokee got pelted with golfball-sized hail...yeowch.
The debate: if I stop and wait, then won't I just have to drive through the storm again when I catch up with it?
OR
If I keep going (albeit slowly), will it do less damage in the long run?
About half the people stopped. The other half, including truckers (and me), kept going slowly and eventually outdistanced the storm.
I was a lucky woman. The windshield is still intact (though I don't know how), and there are only a few scratches on the hood and one suspect dent on the top of the Jeep. Where it doesn't show.
whew.
I'll be back in touch tomorrow. Hope you're enjoying yourself this weekend. And one final note:
Happy 23rd Birthday, Daughter #1! I love you so much, and wish you well on this special day.
The debate: if I stop and wait, then won't I just have to drive through the storm again when I catch up with it?
OR
If I keep going (albeit slowly), will it do less damage in the long run?
About half the people stopped. The other half, including truckers (and me), kept going slowly and eventually outdistanced the storm.
I was a lucky woman. The windshield is still intact (though I don't know how), and there are only a few scratches on the hood and one suspect dent on the top of the Jeep. Where it doesn't show.
whew.
I'll be back in touch tomorrow. Hope you're enjoying yourself this weekend. And one final note:
Happy 23rd Birthday, Daughter #1! I love you so much, and wish you well on this special day.
Tuesday, August 4, 2009
Free Food! And A Guest Post
Tight Fisted Miser has a guest post from yours truly about eating on $10 a week. It's not a thrilling ride, but can be done with a minimum of sacrifice. Take a look.
And if you'd like some free food, check over at my other blog, Savings Site. Today you can get 2 free tacos at Jack in the Box!
Plus -- Schwan's has a free food special worth trying. Buy any food item $10 or less, and it's delivered FREE...all you have to do is order it via this site .
And, I presume, listen to a pitch by the deliveryman. Which I can handle.
Enjoy.
And if you'd like some free food, check over at my other blog, Savings Site. Today you can get 2 free tacos at Jack in the Box!
Plus -- Schwan's has a free food special worth trying. Buy any food item $10 or less, and it's delivered FREE...all you have to do is order it via this site .
And, I presume, listen to a pitch by the deliveryman. Which I can handle.
Enjoy.
Saturday, August 1, 2009
Ad Doings...
You can see, from the evidence left by posts last night, my first serious brush with AD POLLUTION. Hopefully you weren't hanging about here last night...but after I'd mentioned Annie L had a p------, suddenly ads for a certain part of the male anatomy dominated the blog!
Sigh.
And I couldn't get rid of them until the last (very silly) post, which re-oriented the key words to something more G-rated. Late last night, the ads suddenly switched to...
Disneyland.
What a jump, huh.
And I learned my lesson. Never talk about certain things with double meanings unless I'm suitably vague about them.
I don't mind having ads on this blog that may be of help to you. (We took a similar tack on the Brickworks website.) Income from this is truly minimal -- it doesn't even pay for website hosting costs. It's when 'interesting' ads suddenly show up -- ones that I wouldn't let in my home, let alone out to you -- then I begin tearing my hair out.
So thanks for being patient. This has been the only time it's ever happened, in years of blogging. And thanks to avoiding certain key words, it should be the last time.
* * * * *
The flu has let up, thank God. It was just a quickie, apparently, though the Brick got to enjoy his few days of it, too. He's outside on the back deck, working away at the chainsaw. One of our buddies noticed a cut-down cottonwood and a 'free firewood' sign...so this afternoon, you can guess what we'll be doing!
Sigh.
And I couldn't get rid of them until the last (very silly) post, which re-oriented the key words to something more G-rated. Late last night, the ads suddenly switched to...
Disneyland.
What a jump, huh.
And I learned my lesson. Never talk about certain things with double meanings unless I'm suitably vague about them.
I don't mind having ads on this blog that may be of help to you. (We took a similar tack on the Brickworks website.) Income from this is truly minimal -- it doesn't even pay for website hosting costs. It's when 'interesting' ads suddenly show up -- ones that I wouldn't let in my home, let alone out to you -- then I begin tearing my hair out.
So thanks for being patient. This has been the only time it's ever happened, in years of blogging. And thanks to avoiding certain key words, it should be the last time.
* * * * *
The flu has let up, thank God. It was just a quickie, apparently, though the Brick got to enjoy his few days of it, too. He's outside on the back deck, working away at the chainsaw. One of our buddies noticed a cut-down cottonwood and a 'free firewood' sign...so this afternoon, you can guess what we'll be doing!
Quilts Quilts Quilts
Don't mind me...just making sure that some very inappropriate ads don't return on my blog! (sigh) Instead, let's talk about pretty quilts, happy bunnies, gardens and macaroni and cheese...
There. That oughta do it. Just mentioning the type of ads was enough to make them stick around. Even more ironic, isn't it...
P.S. Oh, and we just got our cable/internet bill. Remember I said Husband negotiated with them, or we said we'd cancel? The bill went from $140 to $62!
and the only thing I miss at all is one of the movie channels...
There. That oughta do it. Just mentioning the type of ads was enough to make them stick around. Even more ironic, isn't it...
P.S. Oh, and we just got our cable/internet bill. Remember I said Husband negotiated with them, or we said we'd cancel? The bill went from $140 to $62!
and the only thing I miss at all is one of the movie channels...
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