Thursday, October 16, 2008

Free Workshop Tonight

As part of its Third Thursday series of experiential workshops, the Synthesis Center of Amherst, MA is sponsoring an Introduction to Somatic Experiencing with Lynn Abraham.

Tonight, Thursday, October 16th, 6:30-8pm.
The workshop is free and open to anyone.

More info at www.synthesiscenter.org.
413.256.0772

The workshop will introduce basic principles of Somatic Experiencing, a body-focused approach developed by Dr. Peter Levine, author of Waking the Tiger, to resolve symptoms of traumatic stress.

Labels: , , , , , ,

Free Cooking Class

COOKING WITH THE LOCAL HARVEST for Cancer Survivors and Their Loved Ones
Taught in Shutesbury, MA, Sunday, November 9th, 20083:00 PM - 7:00PM
Learn how to use herbs and spices to create flavorful low-fat meals. With a focus on nutrition and cancer, eating locally and with the seasons, we will prepare a scrumptious meal and enjoy it together.
COST: FREE sponsored by www.Forestmoon.org
TO REGISTER CALL OR E-MAIL PAM ROBERTS AT(413) 625-2402 or pamro@aol.com.

Labels: , , , , ,

Wednesday, April 23, 2008

Best Deals on Non-PVC Yoga Mats

There's a reason that your average sticky yoga mat is so inexpensive. They are made with PVCs (poly vinyl chlorides), a common (but toxic) thermoplastic resin, that doesn't biodegrade and can off-gas or leech during use.

If you're looking to upgrade to a more eco-friendly type of mat, you have a lot of choices--but you have to be willing to spend significantly more than you would for a regular sticky mat. Thrifters know, however, that that doesn't mean you can't get the most for your money.

For Christmas, I decided to do my homework and buy myself an earth-friendly mat. I did tons of research and found that the best deal for me was at Barefoot Yoga. I paid $38.95 for a TPE mat (thermo plastic elastomer), a non-toxic plastic that can be melted down for reuse.

I chose this mat after narrowing my options to nine online stores. (Because of time constraints, I didn't feel I had time to call around or visit local yoga studios to see if they carried any perfect mats.) I found the nine online outlets by Googling and using shopping bots, such as MySimon.com. I also checked Overstock.com to no avail.

I decided to purchase some additional items at Barefoot Yoga, so I got free shipping.

Other options included Lotuspad, which calls PVC yoga mats "some of the most hazardous consumer products ever created. The site quotes Greenpeace as saying, " The manufacture, use, disposal, and recycling of PVC releases some of the most toxic chemicals we know of. Mercury, lead, dioxins and phthalates are all used or released in the manufacturing of PVC. In fact, PVC manufacturing is the single largest use of industrial chlorine. These compounds cause cancer, endocrine disruption, reproductive system harm, immune system damage, and other serious health problems..." [Read the full Greenpeace quotation here.]

At the time I was shopping, Lotuspad was offering $5 shipping, which was better than competitors and was having a 25% off sale. However, the colors and sizes of its TPE mats weren't quite right for me, so I decided to buy elsewhere. If you're looking to buy kid-sized eco-mats, definitely visit Lotuspad and look around.

I also tried Natural Fitness, which sells "premium eco-fitness products." The mats were reversible, available in pleasing colors, and some included DVDs. However, after factoring in the cost of the mat ($39.99) and shipping ($7.95), I decided not to buy there.

Yogasite.com has an Eco-Friendly Yoga section with mats ranging from $34.95-$79.95, including bio-degradable mats. I found the color selection to be too limited, however.

YogaAccessories.com also sells ECO mats, but only in one color combination (blue/black reversible).

Last on my list was Target, which sells a couple of Gaiam brand natural mats at decent prices (roughly $38-$40) plus shipping. However, since the pricepoint was almost identical to Barefoot Yoga, I opted to go with the independent business with the earth-friendly business philosophy and specialty in yoga accessories, rather than the big box store (with a smaller selection).







Labels: , , , , , ,

Friday, February 22, 2008

Ten Things You Can Do to Save Money This Year: Recap

Tuesday, January 22, 2008

Ten Things You Can Do to Save Money this Year: Seven

7. Clear your clutter. Clearing your clutter has myriad money-saving advantages.
  1. If you donate items to non-profits, you can deduct the donation on your taxes. This is really only helpful if you take more than the standard deduction, but still...
  2. You can improve the feng shui in your home. It can help you have more energy, be less depressed, manifest greater prosperity, better health and well-being. For an excellent resource on how to clear your clutter with feng shui, read Clear Your Clutter with Feng Shui" by Karen Kingston ($10.95 new; about $6 used.)
  3. You can make some money getting rid of unused things. Sell them online via eBay, Half.com, Craigslist, or some other reputable outlet. Last year I made hundreds of dollars selling CDs, books, and consumer electronics that I no longer needed or wanted.
  4. Clearing clutter helps to create order, which helps to create both a sense of well-being and a better perspective on what we own and why we own it. Clearing clutter can help you purchase fewer things, because once you've cleaned everything up, you may not want to mess it all up again. It can also help you to identify poor spending habits. Are you buying clothes in the wrong sizes in the hope that you'll get smaller (or larger)? Do you find that you have more shoes than you can ever wear, or a closet full of craft supplies you never use? Clear your clutter lovingly, consciously, and intentionally and you will reap thrift many rewards.

Labels: , , , , , ,

Thursday, November 15, 2007

Free Stuff: o.b. tampons

Johnson and Johnson has set up a web site called mighty small where you can sign up to get a free sample pack of o.b. tampons along with an attractive little carrying case. You have to provide them with shipping information and an e-mail address, but you can opt out of receiving future e-mails and promotional material. You don't have to pay shipping. It takes 6-8 weeks for your sample to arrive.

I don't know how large the sample pack is or what the retail value of the case is, but o.b. tampons go for $5.91 plus shipping for a pack of 40 at Drugstore.com.

Labels: , , , , , , , ,

Bankruptcy Advice

It's been a long time since I've contributed to my Thrift blog, and a lot has happened in the interim. I'll update you at some point, but for now, I wanted to share an e-mail I sent to the mother of a friend over the weekend. The mother, whom I'm very fond of, had written me for advice about bankruptcy, because her other daughter is planning to file. I'm sharing the e-mail here because I think it might be helpful to others. The names have been changed. **Please don't make a bankruptcy decision based solely on my advice. I am not an attorney and strongly urge you to consult one before making a decision this important.**

One thing to keep in mind if you find yourself considering bankruptcy: you are not alone. Personal bankruptcies are up nearly 50% this year. Collectively, Americans carry almost $980 billion in credit card debt. It's time for things to change.

Also, one thing I don't mention below is that I think it's possible that you may have to report the amount of debt discharged as income in the tax year in which it was discharged. This all depends on whether the creditors report it...and this is a matter for you, your accountant, and your attorney to sort out. The laws have changed since I filed, but this was the law when I went through it.

The attorney I mention below is Denise Shear of the Ostrander Law Office in Northampton, MA. If you are in Western Mass. and need a bankruptcy attorney, I can't recommend her highly enough.
Here's my e-mail:

Hi, Mary,

I'm so sorry to hear that Julia is in this bind, but I'm so glad
that she has the courage to make the right decision for herself.

My parents are visiting for the weekend, so I don't have a lot of
time, but wanted to get some thoughts down to you quickly. (There's
actually a lot here. Once I started, I couldn't stop!)

I filed before the laws changed, so some of what I know may not be
applicable, but most of it will be, I think.

I can say, right off the bat, that it's important to find a good
lawyer. And by good, I mean affordable, knowledgeable, and kind. My
lawyer was crucial to making my bankruptcy bearable. The hardest part
is the shame and guilt. She helped me to see that that wasn't
necessary or helpful. She cost $1009 and that was payable up front.

My attorney practices in Mass. and I think Julia is in California,
right? If Julia would like to contact her she may be able to
provide her with a good referral. I also have some attorney friends
with California connections who might be able to help. Just let me
know.

My second piece of quick, major advice, apart from forgiving herself
and getting a good attorney, is to open a new credit card before her
debts are discharged, if she can. This will give her a new line of
credit that can a) help her in an emergency in the next two years when
it will be hard to get a card and b) help her re-build her credit.

When she goes through bankruptcy, she will choose which creditors to
include. If she has a card with a zero balance, she should NOT include
it. Her rate will likely skyrocket, but the card should still stay
active, and this will be a vital part of recovery for her.

My attorney advised me to stop making payments on my cards as soon as
I knew I'd file for bankruptcy. I don't know if this is still an
advisable practice--and I think in the end it did more damage to my
credit history...but she should ask her attorney about this. If she's
already fallen behind in her payments, then it's a moot point.

I was careful to always pay my rent and my utilities, no matter what,
even if I had to use credit cards. This is wise because it will make
it easier to get apartments and utilities after the bankruptcy. I
would advise using her cards to pay these things off before the
bankruptcy, but again, she may want to ask an attorney if this is her
situation and is advisable.

I would also want to make sure that she understands that student loans
and back taxes can never be forgiven. If her debt is largely made up
of these things, it may not be the right choice for her to file
bankruptcy. These things will follow her to her grave.

also, if she has an IRA, she should NOT touch it. She is allowed to
protect up to $10,000 of her own assets, I think, and she should
absolutely NOT drain an IRA to pay for credit cards, particularly if
she's filing bankruptcy.

One important to statistic to keep in mind: more than half of all
people who file bankruptcy once, file twice. I know that Julia does
NOT want to be in that category. The reason this happens is that
whatever was wrong in a person's life the first time--if it doesn't
get fixed, it'll just keep happening. Especially since now they are
burdened with shame and a bad credit score.

Whatever has been the cause of her insolvency, she needs to face it.
No matter how hard it is. If she has health issues, depression, career
confusion. If it is the result of a bad relationship or reckless
spending--whatever is at the heart of the problem needs loving, brave,
honest attention.

I would recommend any and all of Suze Orman's books. Most importantly,
"Young, Fabulous, and Broke," which will give easy-to-digest practical
advice. I think she should immediately read that and either "Money and
Women" or "The 9 Steps to Financial Freedom" (or all three).

What she needs is a way to understand her relationship to money so
that she can get herself back on track. These books will help her to
understand her self and they will also help her to craft a realistic
budget and make a plan for moving forward, with or without bankruptcy.

Before the bankruptcy, she should do some practical things. She should
take care of anything and everything she can that she will need that
depends on a good credit score.

So, apart from getting a new credit card with zero balance, she should
get herself some health insurance. (I think Alice mentioned that
Julia didn't have any and is self-employed?) If she is going to
stay in California, then she has lots of affordable options. It will
be easier to get health insurance without a bankruptcy on her record.
And it will be easier to avoid future financial disaster if you have
insurance, and also it is an important step towards taking good care
of yourself, to invest in health insurance.

I suggest she start here:
https://www.blueshieldcaplans.com/(ykulyw45h25qigvz41ttxxvb)/default2.aspx?marketcode=00000203MC

Second, she should sort out her living arrangements. If she needs to
rent a room or get a new apartment, she should try to do that BEFORE
her debts are discharged. Same with a car. She will not be able to get
an auto loan for some time after the bankruptcy. (She may not be able
to get one now...but if she depends on having a vehicle, she should at
least consider her options.)

She should also come up with a solid plan for how she will live after
the bankruptcy. If she has been meeting her basic living expenses by
borrowing, the she will have to have a way to live once her credit
cards or other creditors are gone.

She should also check her credit score and print out her full credit
report now. She should keep this on file and then check it once a year
to be sure that everything is in order, and hopefully to watch her
score climb.

Once her debts are discharged, her job will be to a) continue to be
kind and forgiving with herself b) live within her means c) establish
good credit and raise her credit score to 760.

She can establish good credit and raise her score to 760 by continuing
to make regular payments on debts that didn't go away (student loans,
taxes). And by making small purchases on that zero balance credit card
she kept and then paying it off EVERY month in full. This card is
never, ever to be used for things she cannot afford to pay off
immediately, unless there is a dire emergency.

Six months after the debts have been discharged, she should apply for
one new credit card. Never accept a card that requires an annual fee.
Every six months, she should apply for a new card, based on offers she
receives in the mail or offers she finds online, until finally she is
approved for a new one. No matter how high the interest rate, she
should take it, and use it for small monthly purchases--a tank of gas,
her cable bill, etc.

It's important to only apply for credit once every six months because
applying for credit LOWERS your credit score, and our goal here is to
get her score UP. it's a balancing act.

She should never close a card, no matter how high the interest. We
want her to have a good debt-to-income ratio. And we want her to have
a good available credit to debt ratio. So, for instance, a person with
$25,000 of available credit (on cards) who is carrying a balance of
$5,000 will have a better credit score than a person with no credit
cards or a person with one $500 credit card and a zero balance.

But, all that stuff will come later.

For now, it's important to make a wise decision about whether
bankruptcy is the right thing, and then proceed bravely, gently, and
responsibly.

So, quick review of the most essential things:

1) Forgive yourself.
2) Get a kind, affordable, knowledgeable attorney.
3) Do not touch your IRA
4) Do everything you can to make sure you have one credit card,
active, with a zero balance at the time your debts are discharged.
5) Remember that taxes and student loans cannot EVER be discharged.
6) Get Suze Orman's books, read them, and do the work.
7) The Orman books will help her to do the most important thing (after
forgiveness), which is to understand why it happened and how you will
keep it from happening again. If watching is easier for her than
reading, I think there may be Orman DVDs...or she also has a TV
show...but, really, the books are vital.
8) Get health insurance. Blue Cross Blue Shield of CA is good and has
affordable plans for individuals.
9) Get an apartment or a car or anything else you really need squared
away before the debts are discharged.
10) Make a solid plan for how you will meet your living expenses
without credit cards or other loans available to you. If she's
thinking of going back to school, for instance, it's important to
understand that even though student loans cannot be discharged by
bankruptcy, a bankruptcy can make you ineligible to get new student
loans. So, if her plan is to start fresh with graduate school and a
new career, she should find out if she'll be able to get the loans
BEFORE she files. I was prevented from going to law school for this
very reason.
11) Print out a full credit report and KEEP it on file. www.myfico.com
is a good place to go. Re-check it every year, but not too often.
Inquiries into your credit score lower your credit score.
12) Immediately after your debts are discharged, begin working on
re-establishing credit.

I'll end with some good news. Bankruptcy is not the end of the world.
In fact, if you truly are insolvent, it is the most caring,
responsible thing you can do for yourself. Get the load off. Start
(sort of) fresh.

In my case, I was able to re-establish my credit relatively quickly.
Within two years, my credit score was back above 700, I was able to
get a car loan when my truck died, and I have lots of revolving credit
available to me, some of it at 0%. And, some mortgage lenders won't
consider a bankruptcy against you as early as one year after your
debts are discharged.

oh--that's one more thing. there is a lapse in time (I think it might
be a couple of months?) from when you file to when your debts are
discharged. you won't be free (or a person saddled with a bankruptcy)
until the debts are actually discharged.

I would suggest getting caller ID, if she doesn't have it already
and/or changing her number because the creditors will call,
constantly, at all hours until the debts are discharged.

It took a lot of very hard, very difficult work to climb back up. And
I'm still working on it. But it is possible if you're committed.

It may also be possible for her to do something OTHER than bankruptcy.
As I said, if taxes or student loans are the biggest problem, don't
file. There are also ways to negotiate payment plans that involve debt
reduction. She may not need to pay back ALL of her debt. She should
start with the debt counselors at the National Foundation for Credit
Counseling. www.nfcc.org, 18003882227. If they think they can find a
way to get you out of debt in five years, they'll sign you up for a
repayment plan. It will be better--SO MUCH--better than bankruptcy and
will resolve the matter more quickly, actually, because bankruptcy
lasts for more than five years on your record.

She may also be able to negotiate directly with the card companies or
other creditors. Or, if it's possible to get the money from a family
member or other benefactor as a gift or loan, that would be
preferable.

She may also want to consider other drastic measures--like moving back
home, if that's an option, or leaving California (which is so darn
expensive). If she suffers through a year in CT (or Massachusetts
where the state gives you health insurance, for instance), and could
live for free or cheap, then she might actually be able to
realistically reduce her credit card debt substantially. For instance,
if she could live for free or really cheap and could devote 50% of her
income to paying down debts for one year, could she reduce the debts
by $15,000 maybe? that's great progress! and maybe realistic. I would
urge her to consider that.

I had absolutely no where to go and no one to help. If she has
somewhere to go and someone to help, she should strongly consider
that. If that option is absolutely unavailable or unacceptable, then
she can choose not to do it, and choose bankruptcy instead. But it
should just be an INFORMED choice.

The new bankruptcy laws are pretty vicious. So, this is NOT something
to enter into out of sheer desperation. It should be carefully
considered and she should get good advice from an attorney and from
the NFCC. (Although, I think the NFCC is funded by credit card
companies, so they have a vested interest in making sure they get
their money...)

If any of this doesn't make sense, or if there's anything else I can
do, please don't hesitate to ask!

I hope you and Victor are well. I'm so glad Julia has your support.

I haven't talked to Alice since the baby's surgery, but I'm thinking of
them constantly and hoping all is well. You must have been out of your
mind with worry.

Much love,

Naomi

Labels: , , , , , , , ,

Saturday, January 6, 2007

Food Budgets

In order to understand exactly how much I spend on grocery bills, I started keeping track of my receipts. The system is simple. I taped a blank sheet of paper inside a convenient cupboard door. Whenever I bring home groceries, I make a note of how much I spent, where, and when. About every three months, the sheet gets full and I tally it up and keep a running average in an Excel spreadsheet.

Because I don't want to take the time to itemize the bills, my food budget actually includes all items bought at the grocery store, including things such as razor blades and cleaning supplies. As of the end of 2006, I've managed to get it down to an average of $128/month. And I almost never eat out, so that pretty much constitutes my entire food bill for the month.

Part of the reason I can keep it so low is that I belong to a CSA farm, so for half the year, I get lots of fresh veggies that are dramatically lower-priced than they would be at the store. I also eat a lot of meals at home, always eat the leftovers, buy limited quantities of fresh foods so that they don't go bad before I can eat them (i hate that!), and I try really hard to plan ahead, so that I only buy what I'll actually eat. I also keep a good stock of emergency foods on hand, so that when sick, tired, or in a rush, I can feed myself without having to resort to take-out or some other pricey alternative.

There's also a store in Northampton called Deals N Steals where I can get great prices on organic and natural food products that are usually 25% more expensive if bought in a regular grocery store.

Trader Joe's also contributes to the affordability of my grocery bill.

Labels: , , , , , ,

Friday, December 1, 2006

This Day in Thrift: December 1, 2006

Today I...

...got $25 worth of free gas using a gift card I received from Verizon for switching back to their service from Vonage. I read the insert completely so I'd know how to use it, and put it in my wallet so it would be handy when the time came.

...went to my mechanic about an issue I was having with my headlights. It turned out it was something I could fix myself. He explained how and saved me about $40 in labor. This sort of savings is the happy result of fostering good relationships with people. Being kind, polite, courteous, respectful, and friendly to the people who take care of you is an investment, which usually rewards you with either direct financial dividends, or the less quantifiable but still satisfying emotional ones.

...shipped a DVD I had sold at Half.com. By selling it, I earned $10 back on a DVD I purchased for about $20 and watched once. I shipped it first class, rather than media mail, because the price was nearly the same. By opting for first class, I could ship my package from the automated postal machine, which saved me from spending my time standing in line. Using first class also gives me a competitive edge over other sellers who use the slower media mail option. I advertise the free upgrade to first class with all single DVD or CD orders, and it sets me apart from other sellers offering the same or similar prices for the items I'm selling.

...shopped at Deals and Steals, which my friend Tim calls, "the used food store." I remembered to bring my shopping list with me, which helps. And even though I was hungry--a "no-no" for any food shopping--I still made good choices. For those of you who've never been, or aren't local, Deals and Steals is where dented and scratched goods and foods from places like Whole Foods wind up. It's a great place to get organic foods, for instance, but at half what you'd pay for them at a fancy retail store--or even at your co-op. Today I spent less than $20 and I came home with the following:

2 Newman's Own dark chocolate bars, $.75 each, approx. savings: $2.49
32 oz Grapeseed Oil, $6.75, approx. savings: $1.25
Tom's of Maine Toothpaste, 4.3 oz, $2.25, approx. savings: $.45

I also bought several cans of organic foods that I use often, including diced tomatoes and prepared foods like soups and one of my favorite treats, Amy's spaghetti-o's with tofu meatballs. I saved more than a dollar on each canned product I purchased. These have the added benefit of saving money later because on days when I'm too tired, or busy, or sick to cook, instead of eating out or ordering in, I can heat up something easy and good for me without spending any extra money.

Deals and Steals also sells clothing, shoes, and accessories, and I was able to try on a pair of earwarmers ($25 retail) that I'd been eyeing in the LL Bean catalog. It turns out that they weren't as comfortable as I thought they were. If I wanted to buy them, I could have gotten them for $9.99 (saving roughly $15), but since I now know I don't want them, I saved $25.

...heard about a book on Oprah ("The Money Coach's Guide to Your First Million") that I was excited about. (I like reading the advice of money coaches and financial advisors.) But, I have a firm "try before you buy" policy when it comes to books. So, instead of buying the book, I went online to my local library's website. I searched for the book, found it, and requested it. When it comes in, I'll get an e-mail and go pick it up. I'm lucky to live in a state where the public library system is really strong, has an online presence, and is extremely well-integrated. I'm able to request books from all over the state, and they are delivered right to my local branch.

Because I appreciate and use this service so often--and it saves me so much money--I wrote a thank you note to the director of the library this summer. I am not in a position to make a meaningful financial contribution to the library, but taking the time to write a note of thanks to a person, business, or institution that serves you well is an important way to show your support and encouragement. It's always worth doing and I strongly recommend it.

...I made dinner in--one of the canned treats I got today. I am tired and there's a big thunderstorm happening, so I'm spending my Friday night at home doing things that are free. I'm catching up on work and volunteer projects, doing some comparison shopping for Christmas gifts and other things, and later I'll watch one (or two) of the DVDs I've got from Netflix, and/or read the book I started this week (a gift from a friend who owns a bookstore.) I may also take a bubble bath, with some aromatherapeutic bath suds that I got on a different trip to Deals and Steals, or may take an epsom salt bath, a good way to relax and reduce aches and pains. (I got epsom salts BOGO a few months ago, so I'm well-stocked.)

...protected my appliances and conserved electricity. This thunderstorm is a real doozy, with lightning cracking so close and so loud it vibrates inside my chest. The warnings were all over the news today. So, when the storm started, I went around the house and unplugged every appliance that I could. If there is a lightning strike, I won't lose my TV or my DVD player, my humidifier or my lamps, my printers or my laptop. These things would be very pricey to replace, and upsetting to live without. It's not likely that my home or these power sources will be hit by lightning, but the simple step of unplugging things tonight offers a great potential savings, so it's completely worth it.

...checked my lottery ticket to see if I won. The other day, on a whim, I bought a lottery ticket. I had run into my ex-boyfriend someplace so utterly unexpected (and got really upset about it) that I decided I should try and turn my "luck" on its end. If I could run into him against the greatest of odds, perhaps I could win the lottery! I didn't. But it still cheered me up to buy the ticket...so I think it was worth the dollar. :-)

…listed an item for sale on eBay. It's a vintage TV Guide issue with Dinah Shore on the cover. I used to collect women's sports memorabilia, but now I'm letting go of most of it because I just don't have the space to properly store it. I won't get much—if any—money for it, but since I don't know anyone who'd like to get it as a gift, attempting to sell feels better than just dropping it off at the Book Shed at the dump, or at Salvation Army. (The book shed is--well, a shed--full of discarded books at the dump. You can leave yours, and also take anything you like.

…found the receipt for an office visit to my physical therapist, for which the billing department says I didn't pay. Now I can write them and, for the price of a stamp and a photocopy, resolve the issue.

Labels: , , , , , , , , , ,

Wednesday, November 29, 2006

This Day in Thrift: Nov. 28, 2006

Today, I picked up a prescription at the Stop N Shop Pharmacy. It was a re-fill, so I had already researched the price. It was significantly cheaper to fill it at Stop N Shop than at CVS. And, when you factor in in shipping, it was also less expensive than at Drugstore.com. I haven't checked the price at the small, family-run pharmacy in town, but I plan to. I'd like to give them my business, if the price is right.

I also went to the pet store and picked up my favorite brand of cat litter, "The World's Best Cat Litter." (It really is.) I shop for pet supplies at Dave's Pet Food City because it is conveniently located, the staff is friendly, the prices are competitive, and with my Club Dave's Card, I earn coupons and free products simply buy buying the things I like to buy anyway. This week, I had a coupon for $5 off anything in the store, if I bought an 8lb or larger bag of Dave's brand cat food. This is my brand of choice, so I bought one and saved $5 on my cat litter purchase.

The Club Dave's Card is the most useful store club card I've ever used. If you forget yours, the employees are happy to look you up. There's no cost, no catches, no hassles, and while you lose some anonymity by allowing a store to track your purchases, the brands I prefer are part of the Club Dave's program, so after I've bought a certain amount of litter or food, I get a free bag, which makes it worth it to me.

I also went to see my chiropractor/homeopath. My bill for the office visit and remedies was over $200. I paid with my debit card, but asked them to run it as a credit card. I earn reward points for using my debit card as a credit card, and it costs me nothing--no interest, no fees, no charges. Unfortunately, the rewards are not very good. You have to accumulate a very large number of points to get anything worthwhile, but it still makes sense to accumulate the points rather than not. And by paying with my debit card, I essentially paid cash. I was tempted to put it on my credit card because it was such a large purchase, but I refrained because even if I paid it in full on my next statement, because I carry a balance, it would have accrued interest. It's always better to pay cash (with check or debit card) if you can, except in specific instances where purchasing with your credit card is beneficial. I'll cover some of those in the future.

Unfortunately, I forgot to eat before I left for the doctor, and I was headed for a serious blood sugar crisis. I stopped at a local market that was on the way and was going to by a Balance bar, for a little less than $2, but instead, I bought half a sandwhich for $2.75. I got some protein and felt more full and happy than I would have if I'd just gotten the Balance bar.

In the evening, I chose not to go to the healing clinic I usually go to on Tuesday nights. At the clinic, I receive alternative healing for about an hour for $10 (or less if you can't afford to pay). The healers are kind, gifted, and generous, and it's worth ten dollars just to be around them for an hour every week. They are students who use reflexology, acupressure, reiki, and other energy work to treat patients.

This week, for a variety of reasons, it felt right and made sense for me to skip the clinic. Instead, I did some yoga at home, had a good dinner (salmon and rice), got some work done, and then went out with friends. I spent $13 on drinks and food, danced until 2am, and had a great time. Since I saved $10 by not going to clinic, my night of fun really only cost me $3 more than any other Tuesday.

Since there's more to thrift than just dollar amounts, it's hard to quantify the value of things, or to make choices based only on the financial price of things. Everything also has a quality-of-life price that we each have to calculate for ourselves. Everyone has to use their own personal judgement to make the call. If trading the clinic for the night out would have made me sicker, it wouldn't have been worth saving the $10 (especially since they'll treat you for free if you need them to).

For me, finding and maintaining wellness is paramount. I wish I had remembered to eat at home, but since I didn't, it was worth it to spend $2.75 to avoid the physical and emotional effects of a blood sugar crash. And, in the evening, I really needed to get out and have some fun. I haven't been dancing in so many months--or years?--that I can't even remember the last time I went. There was no cover charge, and I didn't have to spend money on drinks, but I did, because I was happy to be able to. It felt like an important part of the experience.

You might have chosen to spend your money differently in this day--you may have different priorities, tastes, desires, and goals. But so long as you were conscious of your spending and making informed choices, you were living in thrift.

Labels: , , , , , ,