Showing posts with label Simplicity and Finances. Show all posts
Showing posts with label Simplicity and Finances. Show all posts

Thursday, December 06, 2012

The Simplicity Connection's Top Ten Tips for Simplifying the Holidays


1.   Set limits. Be it monetary, culinary or time management, before the season gets into full swing decide how much you’re willing to put up with (and how much is really worth it!)
2.   Stop. Take some time for yourself and just be without worrying about the societal pressures of the season.
3.   Mute the TV. How many times can you hear “Every kiss begins with Kay” before losing your mind? (for me it was 2.) Why not just remove torturous jingles from the equation?
4.   Reconnect with the joy of handmade. It really is the thought that counts in this season but buying something just to cross a name off your list usually ends up with the giver overspending and the givee politely pretending they really don’t hate it. With a little bit of time and research everyone can find a creative gift project. (Start with the list on p. 76 of The Simplicity Connection!)
5.   Be practical (with gift giving). A book of stamps or a gift certificate to the vet may not be the sexiest gifts, but you know they’re more likely to be used (and appreciated) in the long run and not end up in the junk drawer with the 1990s Furby, the pogs and the Tamagotchi pets.
6.   Order online. If you still want to give capitalism a boost, reconsider the trip to the mall and let your fingers do the walking and ordering. Why truck it to a store, just so you can truck it home? If you can, choose ground shipping instead of air shipping: it’s 6 times more fuel-efficient.
7.   Cut calories. How many years in a row is your New Year’s resolution going to be “lose the 15 pounds I put on over the holidays?” This year, before the trays of food go out on the table, consider donating part of your meal to someone who needs the calories more than you do.
8.   Try the $100 holiday. Consider putting a cap on the amount everyone spends. (That’s not $100 a piece, that’s $100 total!) Read Bill McKibben’s Hundred Dollar Holiday for tips and inspiration on how to make it happen.
9.   Cut the waste. A quarter of American trash is generated between Thanksgiving and New Years’ Day. Why not use reusable gift boxes, bags and wrapping instead of 1-time use paper that heads straight to the landfill :30 after unwrapping?
10.   Rent a living tree. Why not try the ultimate in tree-recycling by not even cutting it down in the first place.

Wednesday, September 23, 2009

So in an effort to practice what I preach, it’s time to start using the book to keep myself accountable. This week, it’s #6 on the Budgeting List (p. 68)…”Waking Up” and realizing what your bills really mean. Case in point, I noticed that my health insurance premiums had DOUBLED in the past year, (and not just because I’m hitting that milestone birthday this year that’s kicking me out of one bracket and into another), so a quick (okay 4 quick… if 20 minutes each is quick) call to the home office and we come to learn that I can knock my premiums back down to previous levels just by removing the “maternity” clause. Things they won’t tell you (should I have to ask if prostate exams are covered too?) It all comes back to know exactly what you’re paying for or else you’re probably paying for something you don’t need.

Sunday, February 22, 2009

2009 Resolutions: Give a Little Bit

After my trip to Ye Olde Tax Preparer this year, I was stunned to see how little I made in charitable contributions last year. And in this “ECONOMIC CLIMATE” what’s going to suffer most are the organizations that rely on contributions to survive. So this year, I’m going to challenge myself to make at least one donation a month, for 12 months to a cause near and dear to my heart. January I’ve already written about my fated donation to the team behind Gregg’s documentary, but February I think I’m going to select my local YMCA. I’ve been pretty much a lifelong member of one Y or another (back when mom threw me into swim lessons at 6 months of age), and I have seen first hand what a membership can for a person. Bally’s or 24 Hour Fitness may be the place to be if you’re looking to turn your workout into a social event, but the Y is the place to be if you want your membership dollars to directly benefit your community.

Tuesday, January 29, 2008

12 Resolutions: January update / February Kickoff

End of my first month of resolutions… and I’m nervous to tally up the final number (probably have to wait a few days before the big reveal to allow all my bills to reconcile). I think I did a lot of little things that might add up: paying cash for gasoline saved bank fees every time (and the usual place is cheaper because they only accept cash or debit cards anyway). I implemented a new plan of power for my electronics, plugging them all into a power strip that I can shut off all day until I want to use it, eliminating “phantom loads”, where things like the TV and VCR continue to draw power even when they’re turned off. And paying cash for everything really makes you much more conscious of how much you spend. It’s really easy to throw down your credit card, but it’s a true test if you have to plan your purchases based on what you can afford with what’s in your wallet. I’m gearing up for month 2 of the 12 Resolutions, which is going to be an attempt at going vegetarian. It’s probably not an accident that I picked the shortest month of the year to give it a try, because it’s no secret I do enjoy a good In-n-Out Double Double…and ham sandwiches…and the occasional hot dog…and all things chicken. But the truth of the matter that meat for food production is environmentally intensive—it takes 12 times as much land to raise cattle than it does to grow wheat. It takes 3,500 gallons of water to grow a hamburger and livestock …uh “tailpipe” emissions are one of the leading causes of global warming. So I ask myself every once in a while, “What would it take for me to stop eating meat?” I don’t eat nearly as much as the average American, (who consumes 111 pounds of meat a year) but if I’m eating out, chances are I’m heading to the pollo column on the menu. So we’re gonna give it a try for 29 (damn you leap year!) days and see if we can manage it.