Tuesday, January 18, 2011

Thrift Week, day two: Envy

Another day, another deadly sin. Today's topic in our Thrift Week symposium is envy and how it can hurt you financially. (Never mind emotionally and spiritually—that's beyond the scope of this blog.) The dangers of envy are somewhat similar to the perils of pride; it's just the motivation for them that's different. Both of them can lead you to spend too much, trying to maintain a lifestyle you can't afford. To illustrate this, let's introduce a character called Ivy (because she's green with envy, get it? Ah, sometimes I amuse even myself.)

Ivy is a recent college grad who's just landed her first job: an entry level-position at a high-class firm. But instead of being happy to have a firm footing on the corporate ladder, she's discontented because all her colleagues make so much more money and lead such extravagant lifestyles. She thinks, "I'm just as talented as these bozos! Why shouldn't I get to wear designer clothes and drive a Mercedes, too?" And so to assuage her feelings of resentment, she loads herself down with debt, taking out a massive car loan with the tiniest of down payments and giving her credit card regular workouts at high-end boutiques. She doesn't actually need a luxury car—she can get to and from work just fine on the subway—and she could put together a perfectly presentable, professional wardrobe at consignment shops, but she thinks she "deserves" the same lifestyle her colleagues have, even though she isn't yet earning the salary to support it.

Like Leo, Ivy's an extreme case. But just about any of us can fall victim to the occasional attack of "I deserve it" and wind up shelling out money for something we didn't really need, and might not even have wanted if someone else didn't have it. After all, sowing this kind of discontentment with our lot is more or less the whole purpose of advertising, whether it's for shampoo (your hair isn't pretty enough!), cars (your car isn't exciting enough!), or breakfast cereal (your cereal doesn't give you superhuman strength and unearthly beauty!).

Interestingly, studies show that what makes people feel rich or poor is not how much they have in absolute terms, but how much they have relative to those around them. For instance, a study at Harvard (cited in this story on the public radio show Marketplace) found that most respondents would rather earn $50,000 a year at a company where most of their colleagues earned $25,000 than earn $100,000 a year at a company where most of their colleagues earned $200,000. They would feel more content with their lot making only half as much money, as long as it were twice as much as everyone else made. Some scholars speculate that this response shows it isn't really about the money; people just want to earn more than their coworkers because they see the salary as an indication of how much they're valued in the workplace. But even so, the need to feel more valued than all their colleagues—to be, in effect, at the top of the grading curve—does smack of envy, and it does carry this basic disadvantage: that no matter how well someone like Ivy does at work, how fast she climbs, much she earns, how extravagantly she can live, she'll never be satisfied as long as there's someone else who's doing even better. Even if she reaches the very top of the corporate ladder, she'll always have to worry about someone else coming along to challenge that position—just like Snow White's stepmother constantly checking her mirror to make sure that she's still the fairest of them all.

Speaking for myself, I don't think I'd really be happy with either of the hypothetical jobs described above. I wouldn't like to make twice as much as all my coworkers, and I wouldn't want to make half as much either. I'd be much more comfortable in a work situation where everyone made $50,000 a year, because then I could interact with my coworkers on even terms, as equals. Given the choice, I'd prefer neither to envy others, nor to be an object of envy to them. Neither one really seems to make for a healthy relationship.

By the by, I've just realized that I've managed to get Marlowe's list of sins a bit out of order, because I confused "covetousness" with envy when it's supposed to be avarice. So I'll go back and pick up that one tomorrow.

Monday, January 17, 2011

The Seven Anti-Frugal Sins

Happy Thrift Week, everyone! (For those who missed last year's explanation of what Thrift Week is, you can read it here.) This year's celebration of Thrift Week is inspired partly by a comment my friend Laura posted on last week's entry, and partly by an article published last summer in Tip Hero, "How the 7 Deadly Sins Warn Us to Live Frugally." Since there just happen to be seven deadly sins and seven days of Thrift Week, I thought exploring this topic in a little more detail might be an appropriate theme for this week's entries.

First, I refer you to Wikipedia for a little background on the concept of the seven deadly sins. It appears the list most people are familiar with, as presented in Marlowe's Doctor Faustus (pride, covetousness, envy, wrath, gluttony, sloth, and lechery) has evolved somewhat over time. The original list, developed by a fourth-century monk, contained eight sins rather than seven: gluttony, fornication, avarice, despair, wrath, discouragement, vainglory, and pride. To modern readers, of course, that list seems to have a lot of overlap, as well as at least a couple of items that are no longer generally recognized as deadly sins. In the sixth century, Pope Gregory I revised the list down to seven, but even then they weren't the same seven we're familiar with: the first item on the list was "extravagance," followed by gluttony, avarice, discouragement, wrath, envy, and pride. If this were still the list today, it would be very easy to kick off this week's entries by showing how extravagance is a wasteful habit: in fact, it's more or less the literal opposite of frugality. But over the years, extravagance was replaced with lust and discouragement modified to sloth, giving us the list we know today.

So where to start on this list? I think I'll take them in the same order as Marlowe, since a) pride is a particularly easy one to tackle and b) it saves lust, which is the most entertaining, for last.

First of all, let's be clear on what we mean by pride. Nowadays, the word pride is often considered a positive term: we talk about being proud of our country and proud of our children, and we encourage those children to be proud of themselves when they do well at something. But this use of the word pride is more or less a synonym for satisfaction, pleasure in your own accomplishments. The sin of pride, by contrast, is closer in meaning to hubris, or arrogance: thinking that you are, or deserve to be, more important than everyone else. (While these two emotions can certainly go together, it's also clearly possible to be pleased with your own achievements without concluding that you're too good for everyone else.)

It's easy to see how this kind of pride can be costly. If you care a lot about your image, you're going to spend a lot of money maintaining that image. Let's make up an example character to illustrate this: we'll call him Leo. Leo cares a lot about how other people see him, so he decided to become a doctor—not because he really likes medicine, but because he wants to make plenty of money and have people look up to him. Unfortunately, medical school left him with a lot of debt to pay off, so even with a hefty salary, his expenses still exceed his income. Because he has an image to live up to, he has put himself still further into debt buying a big house in a fancy neighborhood. He leases a car, even though it's the most expensive way to drive, because he can't afford a new car and can't afford to be seen driving a used one. He also has to shell out for at least a couple of new designer suits each year—since clearly he can't be seen in last year's styles—and have all the latest gadgets. He's making a lot of money, but he's spending more than he makes, saving nothing, and working at a job he doesn't enjoy.

Leo's lifestyle isn't just expensive; it's wasteful as well. He has to heat and cool that big house with only himself in it; he has to keep buying new clothes instead of keeping the old ones; and he has to keep replacing his computer, cell phone, and other electronics with the latest models, and sending the old ones—with all their toxic components—off to the dump.

Most of us aren't Leos, but we can still keep an eye out for smaller, subtler ways in which pride might be hurting us, financially or otherwise. For example: say I've got a leaky faucet in my bathtub. I don't actually know how to fix it, but I'm too proud to ask for help with a job I think I should be able to do myself. So I just put off dealing with it, while 11 gallons a day drip down the drain. If I keep neglecting it for three months, I'll waste 132 gallons of water and bump my water bill up into the next tier, costing myself about $14. (Granted, a visit from a plumber would cost a lot more than that, but swallowing my pride and asking a friend to show me how to put in a new washer would cost almost nothing.)

Got any more good examples of how pride goeth afore a massive credit card bill? Feel free to share them below. And tune in tomorrow for another exciting episode, in which we'll meet Ivy, the embodiment of envy.

Sunday, January 9, 2011

Canventory

Brian and I just hit Shop-Rite's annual "Can Can" sale, where all manner of canned goods (and some other products as well) are available dirt cheap. Since this year marks the 40th anniversary of the Can Can sale, several items were on sale for 40 cents, including beans, tomatoes, and pasta. We loaded up to the limit on these products, then got them home and were faced with the problem of how to cram them all into our woefully small pantry. Eventually we concluded that some items would have to go into overflow storage downstairs, so we started sorting through the entire contents of the pantry to figure out what should go where. The biggest problem was making sure that the stuff downstairs didn't become a case of "out of sight, out of mind" and get restocked prematurely, so we hit on a solution that I have dubbed the "canventory."

The canventory is simply a list of all the canned goods and all the pasta boxes we have, sorted by type. It shows the size of each package, the number of packages we have, and where they are stored. A typical entry looks like this:

Beans, kidney, dark 15.5 oz. 2 cans 2 upstairs 0 downstairs

I've entered the full list into an Excel spreadsheet, which can be easily updated on an ongoing basis and will automatically re-tally the number of cans or boxes we have left. So now all I have to do is pull up the list to see at a glance how many we have of any given item, so that we don't buy too many or too few of anything (like the big 20-quart box of powdered milk we just brought home from the Shop-Rite, not remembering that we already had an unopened box stored away in the pantry).

So how is this system ecofrugal? Simply put, it allows us to make better use of three available resources: space, time, and money. We use space more effectively by storing the foodstuffs we're most likely to need where they'll be most accessible, and keeping everything else in reserve. We save time because we don't have to hunt through two different storage areas to see what we've already got. And we save money because we can take better advantage of massive sales like today's without fear of overloading on any particular product. (In fact, after a moment's consideration, I've just added a new column to the canventory: "Last price paid." That column will show how much we paid for a particular product last time it went on sale, so we can evaluate future sales to see just how good a deal they really are.)

I'm hoping this same system will prove useful later in the year to help us keep track of our (I hope) abundant garden produce. For that purpose, I'll probably have to add another column to the inventory—expected shelf life—to make sure everything we grow gets eaten while the eating is good. But of course, that particular point is moot until I figure out what I'm actually planting this year, and where—about which, more in a future entry.

Sunday, January 2, 2011

Dreaming of a green Christmas

Happy New Year, everyone!

One of my New Year's resolutions last year was to update this blog at least once a week. Looking back over the past year's entries, I see that I met that goal most weeks, but not quite every week. So I'm aiming to be more consistent this year (and also to build a website for my business, finish the downstairs bathroom, and do a better job planning my garden than I did last year).

The main reason I didn't update the blog last week was that I was away for most of it, visiting the in-laws for Christmas. As I observed last year in the old blog, the holiday season is all too often the least ecofrugal time of the year—a period of unbridled consumerism and waste. So I thought that this year, I'd take a moment to focus on the positive and consider the ways in which our holidays actually were ecofrugal. To start with, here's a list of some of the most ecofrugal gifts we got and gave this year:
  • Several secondhand or discounted books. Brian's gifts to me included two volumes of cryptic crosswords, purchased on Amazon.com, which I was delighted with. (Note to Mom: don't worry, I like the one you got me too, and it wasn't a duplicate.) My gift to him was a cookbook called $3 Slow-Cooked Meals, bought from a wonderful discount bookstore in Indianapolis called Half-Price Books (though this particular volume was actually marked down to well below half its original price). This gift was an ecofrugal two-fer: not only did it cost very little, it will also help us be more ecofrugal all year long by making better use of our slow cooker. I've already requested the "Apple-Raisin Pudding Cake" for my birthday in two weeks.
  • Several secondhand toys, mostly from yard sales, for our nieces and nephews. These included a Brio building set for our niece (which her dad also seemed to find entertaining) and this wooden shape sorting clock for our nephew (which we know got played with by someone, because three of the pieces were lost almost immediately. Oh well.)
  • Cow and pig sprinkles from the Pennsylvania Dutch Farmer's Market for my brother-in-law's girlfriend Jessica, who loves to bake. Not an extravagant present by any means, but she found them hilarious.
  • A new set of cloth napkins (the ecofrugal alternative to disposable paper) and matching placemats from my in-laws.
  • All manner of homemade goodies. As usual, we gave cherry cordials to my mother-in-law, but because Brian made them himself, he was able to fill up a whole bucket with them for approximately the same amount we'd have spend on a small box from the local chocolatier (and his dad claims that Brian's are better). We also received lots of scrumptious homemade treats, including chocolate truffles from Jessica, a jar of apple butter that Brian's sister and her husband made from their very own apple trees, and an assortment of cookies and candies from our friends in Washington.
  • A soft-sided cooler from Brian's sister and her husband, which she suggested we could take to the farmer's market in hot weather, but which I think will be more useful for stocking up on frozen foodstuffs at Trader Joe's (free-range chicken legs only $2 a pound! Organic veggies same price as the conventional ones at the supermarket! Yee-haw!) and humanely farmed meats at the aforementioned Amish market.
  • A beautiful homemade cribbage board, also from Brian's sister and her husband. I don't think the wood came from their very own apple trees, but it's very cool all the same.
  • And from Brian's dad, several things that weren't officially gifts, but will come in very handy all the same: two more glass-topped canning jars (like those shown in the picture at the top of this page), several heads of garlic (he bought in bulk and offered us the surplus), and a big jar of baker's yeast that he opened before realizing he already had some. We will not need to buy yeast for months, if not years.
Other ecofrugal moves we made over the holidays:
  • Singing carols with Brian's family, a cozy group activity that costs no money and uses no electricity.
  • Making the trip in a fuel-efficient car (38 miles per gallon on the highway! Yee-haw again!). Driving with two people in a car is less carbon-efficient than traveling by inter-city bus or train, according to energy maven Michael Bluejay, but it's cheaper and a lot more practical for us—and it's still way cheaper, as well as more efficient, than flying.
  • Bringing our own food in the car to save on highway fare and reduce the number of stops needed.
  • Reusing wrapping paper and gift bags whenever it was practical.
  • Decking out the house with our usual simple decorations: a single strand of LED lights (much more efficient than the old incandescent type, and less of a fire hazard), trimmed-off evergreen boughs from the tree vendor at Home Depot (who let us take all we wanted for free), and two spools of red-and-silver holiday ribbon from our local dollar store (which we've been reusing for the past several years now and managed to keep in decent shape).
Here's hoping that in 2011, we'll be able to make the holidays even greener, even as global warming—ironically—increases the likelihood that Christmas will be white.

Monday, December 20, 2010

Merry Christmas to All

Once again, this is a bit off topic, but I had kind of an annoying experience today. My "Tip Hero" newsletter, which is a weekly compendium of frugal tidbits, included an article called "Christmas Spirit and Frugality." It talks about classic holiday movies and how they show the true spirit of Christmas, which is "A time of joy, celebration, peace and love - all things that you can't buy." It was kinda sappy, I'll admit, but its heart was in the right place. However, it was not well received by readers. The first response it got was:

"One BIG problem: Christmas is about the CHRIST! The word Cgristmas [sic] reflects it! The scriptures proclaim it! It is not about you and me and family and feelings, it is about HIM! God who condescended to robe Himself in flesh and give us what we need most: salvation! Pick another time to feel warm and fuzzy or look at cartoons or other of your "meaningful" stories. This story has been written already and it's not up for grabs so you can have joy, celebration, peace and love without HIM! There is no Christmas without Christ - PERIOD!"

Now, I have no problem with anyone celebrating Christmas as a religious holiday, and I can even sympathize with those who feel that the holiday has moved too far from its religious origins and plead to "keep Christ in Christmas." What I do have a serious problem with is folks who get up on their high horses and declare that everyone else is celebrating Christmas wrong. Hey, you, cut out all that celebrating and bonding with family! Knock it off with the "warm and fuzzy" stuff! It's about Jesus or nothing!

Do these people actually think this is a "Christian" attitude to take? Honestly, do they think their faith requires them to condemn other people's feelings of "joy, celebration, peace and love"? (It reminds me of this 10-year-old story from The Onion: "Religious Cousin Ruins Family's Christmas.")

So, in what I hope is a more appropriate Christmas spirit, I'd like to offer this little playlist of Christmas tunes that show the holiday in all its aspects—sacred and secular, positive and not so positive. (By the way, I tried to publish this as an iMix, but iTunes wasn't being cooperative, so I'm just listing the titles and artists instead.)

Shepherds Arise (Finest Kind)
Twelve Days After Christmas (Caltech Chamber Singers)
Wachet auf (Canadian Brass)
Jack Frost and the Hooded Crow (Jethro Tull)
River (Joni Mitchell)
Gaudete (Steeleye Span)
Chiron Beta Prime (Jonathan Coulton)
Straw Against the Chill (Bob Franke)
A Christmas Carol (Tom Lehrer)
O Holy Night (Studio 60 Soundtrack)
Homeless Wassail (Broadside Electric)
Christmas Trilogy (Finest Kind)
Oh Come Emmanuel (Aliqua)
Fairytale of New York (The Pogues)
Christmas / Sarajevo 12/24 (Trans-Siberian Orchestra)
Home By Another Way (Grant Baynham)
Christmas Letter Song (Lou & Peter Berryman)
This Mountain (Hugh Blumenfeld)

And as Tiny Tim says: God bless us, every one.

Friday, December 17, 2010

Buying the label

The most recent Freakanomics Radio podcast, available on the New York Times website, poses the interesting question: "Do More Expensive Wines Taste Better?" It's worth listening to the entire story, but in a nutshell, the answer seems to be: yes, but only if you know they're expensive. When people know the price, they overwhelmingly prefer more expensive wines. But in blind taste tests, cheap wines actually do slightly better than pricey vintages. And that holds true across all groups of people, from wine-club newbies to highly trained sommeliers.

Now, I'm not a wine drinker, so I can't comment on this story from personal experience. But I have seen similar studies that highlight the same phenomenon for other products. For example, as I observed back in September, tap water is just as good, objectively speaking, as bottled water—it's just as clean, if not cleaner, and it does as well or better in blind taste tests. Yet bottled water drinkers consistently claim that bottled water in general, and their brand in particular, tastes better than tap water. In an episode of "Penn and Teller: Bullshit!" (which you can see here on YouTube) patrons in a fancy L.A. restaurant discourse at length about the differences in taste among bottled waters, even though each made-up brand is really the same L.A. tap water in a different bottle. (Amusingly, one of the varieties is called "L'Eau Du Robinet"—French for "tap water." You'd think at least a few of those highbrow diners would have been tipped off by that.) Also, Vance Packard reported sixty years ago in The Hidden Persuaders that most cigarette smokers are loyal to a specific brand, yet the majority of them can't correctly identify their own brand in a blind taste test.

And when you think about it, this same kind of misplaced brand loyalty really applies to all kinds of products, not just the ones you can taste. The Mercedes first became a status car because old-money types chose it for its reliability (eschewing the flashier models that were status cars at the time). But the Mercedes models of today no longer have a particularly good reliability record, yet people continue to buy them just for the name. And I've already mentioned how little premium in you get in terms of style or quality by buying designer clothes.

So what's the moral of this story? Well, there are probably all sorts of conclusions you could draw from it about social class, how expectations influence experience, the nature of brand loyalty, and the dangers of putting too much faith in of so-called experts. But for me, the most useful lesson for us ecofrugal folks is: the best snobbery is inverted snobbery. It's a lot cheaper than the other kind, and just as much fun. So if you're a wine fancier, I urge you to go pick up one of the best cheap wines and serve it at your next party. Depending on your inclinations, you could put it in a decanter and wait to surprise your guests with the name, or openly flaunt the cheap bottle (or box) and chat about how remarkable it is what a great wine 12 bucks will buy. "I just don't understand why some people pay hundreds of dollars for a bottle of wine," you can muse as make the rounds with the bottle, dressed in your best thrift-shop togs. "I mean, it's really just the label they're buying, isn't it? People who really appreciate wine only care about the taste."

Monday, December 6, 2010

What a crock!

I thought of something else that should go on the list of Stuff Ecofrugal People Like: slow cookers. We used ours a few nights back to prepare a mushroom-barley soup that we've made many times before, a delicious and hearty soup with only one real drawback: it takes about an hour and a half to cook. As a result, it's always been a weekends-only recipe. But last Friday we decided to just throw all the ingredients in the Crock-Pot and see how it came out, and behold, it was good. Brian actually thought the long slow cooking made it better, because the flavors had more time to blend.

Okay, that's all very nice, but what's so ecofrugal about it? Simple: by making it easier for us to cook at home on nights when we're busy, our slow cooker helps us avoid falling prey to the temptation of restaurant meals or convenience foods. And that's only one way that a slow cooker can contribute to the ecofrugal lifestyle. It can also:
  • make it easier to use dry beans instead of the pricier, more packaging-intensive canned beans. The biggest barrier to cooking with dry beans is the prep time involved: they have to be soaked overnight, then drained, rinsed and cooked for at least two hours before you can use them in your recipe. A slow cooker doesn't eliminate the need for advance preparation, but it does eliminate most of the active work involved. You can just throw the beans in the crock the night before, cover them with water, drain and add fresh water in the morning, and set the pot on low. By the time you get home in the evening, the beans will be ready to use in whatever you're cooking. And if you cook up extra beans, which takes no extra work, you can freeze the rest and have beans in your freezer, ready to use (after just a few minutes in the microwave) on those occasions when you can't soak and cook them ahead of time.
  • help you make your own veggie stock. This is a trick we learned from The Clueless Vegetarian (my favorite vegetarian cookbook and one I highly recommend for newcomers to vegetarian cooking). Basically, you keep a bag in your freezer in which you store all the vegetable scraps that you would normally discard: potato and carrot peelings, cut-off ends of onions, the innards of green peppers, mushroom stems (very flavorful), celery leaves, etc. When the bag gets full, you just dump it all into a pot of boiling water and cook it down. Normally, this would keep you tied to the house for two hours while the pot boils away on the stove, but with a slow cooker, you can just throw the veggies and water in first thing in the morning, set it on low, and strain it in the evening. (Or, if you prefer, you can throw everything in before bedtime, let it cook overnight, and strain it in the morning.) This is an ecofrugal three-fer: you get something for free that you'd ordinarily have to pay for, you avoid the packaging waste involved with canned stock, and you get additional use out of scraps that would normally be discarded. And the boiled-down mush that's left after you've strained off the stock can still go into the compost bin—you've just given it a head start on decomposition.
  • make a small amount of meat go farther. We're not exclusively vegetarians, but we eat only meats that are humanely farmed, and those tend to be expensive. Roasting a whole chicken would run into money, but a single package of chicken legs makes several meals when cooked up with chick peas, onions, almonds and cinnamon in a Moroccan chicken stew. (Note: no tomatoes. Most recipes seem to call for tomatoes, but mine doesn't, and I like it without.) Stretching the meat out with other ingredients makes the meal much cheaper, and (since meat is more resource-intensive than veggies) greener as well. And, another bonus for meat-eaters: slow cooking is an ideal way to tenderize tougher, and thus cheaper, cuts of meat.
And those are just the ways I've tried personally. I've heard of other, less conventional uses as well, like setting up a batch of steel-cut oats overnight so you can have a hot breakfast in the morning. Cold cereal is one of the priciest items in our grocery cart, so eating oatmeal more often would certainly be a money-saver—and because it's less processed, it's greener too, not to mention chock-full of healthful whole grains. And the slow cooker could replace other convenience-type foods, too, like dessert. I've even heard of people baking cakes in it, though I've never quite understood how that works. Clearly, this ecofrugal tool has benefits far beyond my current knowledge—a rich field for further exploration.