Monday, March 23, 2009

The Button of Financial Doom

In case you missed it, the government pushed the Button of Financial Doom last week. It was an easy thing to miss. It is a small button, after all, even though it is red. I’m not certain if it sits on Geithner’s or Bernake’s desk, or maybe it is kept in a vault somewhere. But one of them pressed it. Or perhaps they pressed it together. And unlike the big red button, doom is not instant or nearly so when this one is pressed. Nor did the headlines read ‘Government Presses Button of Financial Doom’.

No, the headlines read ‘Fed to Buy Some Treasury Bonds’. Why is this the Button of Financial Doom? Isn’t this a good thing? Another market for the massive amount of T-Bills we need to sell to finance our spending spree? Um, no. This amounts to the time-honored tradition of PRINTING MONEY. What’s wrong with that? Well, when you print money you get inflation. Serious, rampant inflation. But what’s the worse that can happen? Inflation is better than deflation, right? Um, one word: Zimbabwe.

We started down that road last week.

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Sunday, December 21, 2008

Deep in the Dark of the Longest Night

Deep in the dark of the longest night
We keep our vigil by candlelight
Waiting to sing to the newborn sun
The universe will birth when the night is done

See the sun arising,
See the sun arising;
Darkness is gone!

Yesterday was the winter solstice, a High Holy day for pagans, and last night was the longest night of they year. I did not stay up all night as is the old custom, primarily for two reasons: I am still recovering from being very ill, and staying up all night by yourself is much different than doing so in a group of celebrants. At 6:04 this morning CST the sun reached its farthest point on the ecliptic and began its long journey back. From that moment on, there will be a little more light and a little less darkness every day until the Summer Solstice. Then the cycle will repeat, every year as it has done since the dawn of time and will continue to do until the end of time.

The sun returned in two ways this morning. First, the Solstice of course. Second, the weather has been really bad here for the past three weeks. It has been raining almost every day, and even when it hasn’t been, the sky has still been overcast. The only times it has been clear is at night. But when I rose this morning, the sky was clear of all save a few wisps of cloud. The newborn sun arose, a ball of liquid fire over the mountain. Despite the chill I ate my breakfast on the front porch, basking in the light. Welcome back, Ra! Apollo! Pan!

This is also the first day of winter, the time of the great cold and darkness. The Crone is in her full majesty right now –the old woman who holds all the wisdom of age, who guards the gates of Death and the keys to every world. The time of cold is upon us, the time of endings and transitions, the time of dark and cold. But, the Light is returning and each day spring will be a little bit closer, and the time will soon come when the maiden, newly born again, will frolic in fields of flowers and new grass.

This Solstice is a bit bitter sweet, for winter and the time of darkness has not just come to the world in the form of the ancient cycle of seasons. Our culture, our world, has also entered a time of darkness and we have not yet reached the longest night. Things are shifting, changing. Everything that once seemed secure is starting to shift. The moorings are coming loose. Deep in the corners, in the shadows, the whispers are beginning, the dreaded word that sends chills up the spine: depression. I heard them yesterday, even at the Solstice celebration. You can see the worry on peoples face, in the way they hold their bodies and clutch at their purses. I only made a quarter of what I usually make at the annual solstice fair. Part of that was the weather –it was pouring rain all day –but part of it must be attributed to the economy. Even here, in one of the most recession proof areas of the country, the affects are being felt. Stores are closing, people are being laid off, the discounts are amazing. And people are starting to worry.

You have no idea, I want to tell them. We are not facing a depression. We are facing a complete change in our way of life. Oil is almost gone. So are numerous other resources. We have built our entire way of life on a house of cards, a giant Ponzi scheme that has to come crashing down. We have forgotten the first rule of the natural world: Everything is interconnected, and when you touch one thing, you touch all things. We have also forgotten the second rule: Everything has a price. Everything. We’ve gotten away with not paying any prices for so long that we think there are not any. But there are, and the bill is beginning to come due. There must be a day of reckoning. And while that day may last more like a century or two, come it will. The first stirrings are being felt now, like the first leaves to drop in autumn. More will come.

It is going to be a long, long night and a rough winter. Much will change. Much will be destroyed. But, dawn will come. It always does. The Light will return.

One planet is turning
Circle on her path around the Sun
Earth Mother is Calling her children home
Light is returning, although this is the darkest hour
No one can hold back the dawn
Let’s keep it burning
Let’s keep the light of hope alive
Make safe the journey through the storm

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Wednesday, November 12, 2008

Student Loan Hell

So my student loan provider finally realized I'm not in school and wants me to start making payments. Nearly $300 a month. Um, yeah right. What have they been smoking?
I'm not even making that much right now. So I call them up and tell them I'm going to need a hardship forebearance. That will work for part of my loans, they say, but not for one of them. To get this other loan into forebearance I have to fill out a special application and pay a $50 fee, and oh yeah, the forebearance is only for three months.

I told them to send me an application, and I will send it back to them without the fee and with a note that says "Hi, I'm broke and living out of my car. I'm on food stamps. I don't have the money for your stinking fee. If I had $50, I would go to the grocery store. So, you can either give me the forebearance or mark me default status. Your choice. And oh yeah, you can blow me."

Okay, so I'm not living out of my car yet, but there's a good chance I will be by the time they finally send me that damn application. And I probably won't tell them to blow me; that would be uncouth as hell for a priestess to say, but just writing it down made me feel better. ;-)

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Sunday, June 29, 2008

Crisis Update

I write this update just about every month for a newsletter I run, and I thought this month I'd post it here as well.

CRISIS UPDATE
Unless you’ve been living (or hiding –hey, I for one would understand! And if you’ve got any room, would you like a roommate?) under a rock for the past few months you might have noticed that the world has plunged into multiple crises. One each for energy, the food supply, the economy, and the environment. These are separate but intertwined crises which each have multiple effects on the others. I’m not going to call them the Four Crises of Doom as some less optimistic (yes, its possible) commentators have but I will note that they bear an odd resemblance to a certain set of horsemen Americans have tried to forget about over the past century or so. Jokes aside, this is serious stuff, and I’m going to attempt to give an update on each of these crises over the next few paragraphs so we can get a good idea where we stand.

Food –let’s start with the basics. Food is as basic as you get. There is nothing more vital than food. And it’s getting harder to come by. Prices are skyrocketing and supplies are running short. Earlier this year a report came out that said we’d need record crops this year to prevent famine. Guess what folks? That’s not going to happen. Not only is the U.S. hit hard by floods and all manner of whacked out weather but Australia lost 90% of its harvest to drought, and Africa is expected to lose virtually all –that’s right ALL –of its wheat harvest to the stem rust that has now also blown into Iran and Pakistan and is expected to debut in India and China soon, followed by the U.S. in a few more years. One report projected that if the U.S. can’t get some of the flooded fields replanted and some kind of harvest uptick we may run OUT of corn before the harvest in 2009. And we’ve added something like 70 million people to the planet in the past year. Not good. This is a recipe for disaster folks. A lot of people are going to die. Some selected food headlines:
Floods cause food prices to surge: He’s wrong about one thing. The corn growing season isn’t young; most places that are flooded absolutely have to replant by July 4th to have any hope of a harvest –and the fields have to be dry for at least 10 days before they can plant. Let’s do the math: we were on schedule to produce 11.7 billion bushels of corn this year (out of a needed 12.5 billion). Reduce that by 15% and you get roughly 9.95 billion bushels, for a total shortfall of 2.55 BILLION bushels of corn. Of course, that assumes the harvest is only down by 15%. Given the weather so far this year, that’s a bet I wouldn’t want to take. So, what’s going to give? Oh yeah, and Australia’s harvest is down too.
http://business.timesonline.co.uk/tol/business/columnists/article4186944.ece
One Billion Hungry: It bears repeating: one billion hungry. And if they don’t get fed, eventually they’ll die. The death certificate may not read starvation; it rarely does and instead reads pneumonia or some other condition that wouldn’t be fatal if you weren’t starving, but lack of food will be the reason. One billion people. If this doesn’t get straightened out soon, I see a LOT of dead people.
http://www.timesonline.co.uk/tol/news/world/article4064650.ece
Food Supply Must Double by 2030: Oh yeah, that’s going to happen. We’ll never hit the 9 billion population number; we can’t keep feeding what we’ve got now.
http://www.timesonline.co.uk/tol/news/world/article4056801.ece
U.S. Has NO Grain reserves left: Or anything else for that matter.
http://standeyo.com/NEWS/08_Food_Water/080606.no.grain.reserves.html
Hunger in the U.S.: This last line is worth remembering: “It's not dignified, but we are hungry, and hunger is ugly."
http://www.counterpunch.org/colson06182008.html
With Hunger Comes Anger: And this is only the start. Governments are going to fall over this.
http://www.nytimes.com/2008/04/18/world/americas/18food.html?_r=2&oref=slogin&oref=slogin
How far is the U.S. from food shortages and riots? A good article but now outdated: we had our first ‘food riot’ last week over free food vouchers in Minnesota.
http://www.indybay.org/newsitems/2008/04/12/18492403.php

Energy –This is our second horsem –er, crisis. (I promise, I’ll stop.) Oil has peaked. That’s just the plain out truth, folks. Denial can only go on so much longer. We’re on the bumpy plateau where output is relatively steady while demand keeps climbing. Any day now we’ll tip down on the other side. Prices have gone up so far because demand has out run supply. Demand destruction has been taking place for a couple of years now; I’ve seen pictures of countries that have gone dark because their electricity was generated by oil and they stopped being able to afford the oil a while back. What’s going to happen when output starts noticeably shrinking and no matter how much we drill we can’t get it back up to what it was? Remember peak oil doesn’t mean that we’re out of oil –it means we’re at half a tank and the half that’s left is harder to get at, more expensive, and more ecologically destructive. Thus supply will keep going down and demand will be forced to match. Tar sands won’t save us; not only do they require almost as much energy to extract the oil as you get out of the oil, but they require massive inputs of water and natural gas. The former is hard to come by in the locations of the tar sands and the latter has peaked too. Uh-oh. Drilling off shore won’t save us; no 200,000 b/d field is going to replace mighty Cantarell, which is crashing so hard and fast Mexico might be out of oil to export next year. Not only that, but the U.S. alone uses 21 million barrels a day and the world, 84 million. Divide 200,000 into one of those figure and what do you get? Spare change.
Heating oil. Heating oil comes from oil. It’s about $4.50 a gallon right now. People may freeze to death in the northeast this winter because they can’t afford to heat their houses. Others may turn to electric space heaters which some project could bring down the entire northeast electrical grid. Why? Not only is it all ready at capacity, but its as antiquated as a Ford Model-T. (As are all the grid in the U.S. btw, which is one of the main problems with electric cars.) Hydrogen cars are a joke. Natural gas has peaked, and most of what’s left on the continent is in Canada –how long will they keep sending it to us when they need it to heat their own homes? Next we’ll be invading Canada.
Electricity. Most electricity in this country comes from coal, natural gas, nuclear, or oil. Aside from the problems with nuclear it requires massive amounts of water. They almost had to shut the nuke plants here in the southeast down last summer because the drought had lowered the water tables so much. But at least we have enough coal to last a lot longer –right? Right???? I hate to break it to you, but we don’t have nearly as much in the way of coal reserves as we’ve been led to believe. A report I read not too long ago suggest that coal may peak in as little as 30 years. That ‘peak’ word is going to become a four letter word soon, huh? That’s what happens when you base your society on non-renewable resources. Basically we’re…nah, I won’t say it. You get the idea. Some recent headlines on energy:
The U.S. at $200 a barrel oil: A good look at the impacts of oil at $200 a barrel. (Here’s a hint: it ain’t pretty. It’s also just about inevitable.)
http://www.latimes.com/business/la-fi-oil28-2008jun28,0,5808547,full.story
OIL: Problems, problems, and more problems Check this out: China imported 25% more oil in May, oil production fell last year, oil stockpiles dropped in the U.S. for the 4th week in a row. Can anyone spell higher prices?
http://www.bloomberg.com/apps/news?pid=20601087&sid=aeEdT.gCehSQ&refer=home
$150 a barrel oil, happy 4th of July: Analysts are now saying oil will hit $150 a barrel by July 4th. Others are also predicting $200 a barrel by New Year’s. I see even more dead people.
http://www.theglobeandmail.com/servlet/story/RTGAM.20080606.woilole0606/BNStory/Front
Coal in the U.S.: From Richard Heinberg. http://globalpublicmedia.com/museletter_194_coal_in_the_united_states

Credit and the Economy –ok, the globalized economy is going down the tubes. That’s the way it is and there won’t be any changing it. A lot of this is due to the rising price of oil. The projections I’ve seen suggest the airlines will be dead (at least for ordinary folks) within two years with oil this high, much less higher. Not only do we have the housing collapse, but we have the beginnings of what may be a greater depression than the ‘great’ depression. A lot of people are going to lose their jobs and/or their homes. Some manufacturing is starting to shift back to the U.S. because the shipping costs bite. Paradoxically, other jobs are starting to be off-shored precisely because they don’t have any shipping costs, and these are the jobs that have always been ‘safe’ before: engineering, accounting, management, etc. A lot of people are going to be in a race to see whose finances collapse first: theirs or the banks.

Climate –Climate change is rapidly becoming an out and out crisis. Sea level is rising at an inch a year, the weather’s gone completely crazy in many places, and temp’s are going up, up, up. This one is only going to get worse . Buckle up, folks. It’s going to be a bumpy ride. Projections range from a rainy day at the park to Armageddon; the reality will be somewhere in between but probably slightly closer to the latter. Some relevant headlines:
North Pole May Be Ice Free This Summer: So long to the polar bears (and thanks for all the fish).
http://www.cnn.com/2008/WORLD/weather/06/27/north.pole.melting/index.html
Oceans warming 50% faster than thought: This partly explains the higher than anticipated sea level rise. Of course, the rest is explained by the faster than anticipated glacial and ice cap melt.
http://www.telegraph.co.uk/earth/main.jhtml?xml=/earth/2008/06/18/scisea118.xml

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Monday, December 31, 2007

Hello again...

I'm trying to get this blog restarted. I fell out of the habit while I was away on my trip (which was wonderful by the way) and somehow have not gotten back into it. So, I'm going to try to post once a week from now on.
Right now I'm recovering from a nasty cold, so this won't be a long post. The other night I stopped by a big box store to get some meds for this cold. Normally I don't take those cold meds, and I don't normally shop at big box stores, but this cold has just about knocked me off of my feet. Anyway, I grabbed the cold meds and and a couple of other things -orange juice and the like -and when I got to the register to pay, the cashier took it as a personal affront that I was paying in cash. Wtf? Yes, there was a line, but, regardless of what they tell you, cards are not faster than cash. But this cashier was upset that I paid in cash. And I gave him exact change as well -its not like he had to count out a bunch of change. It was like being in one of those damn annoying Visa commercials where everything is hunky dory until someone pays cash, and then the whole system comes crashing down. What in the world is going on with this country?

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Monday, July 30, 2007

Economic Survival In Hard Times

This is going to be a long post, and I think a very necessary one. This essay was inspired, in part, by Sharon of Casaubon’s Book, http://casaubonsbook.blogspot.com/ . Now I love Sharon and what she has to say. Most of it I agree with wholeheartedly. But there is one thing that I don’t think she, and most of the other members of the Riot for Austerity, really take into account. And that is the sheer economic reality facing most Americans today. Most of those Rioting are fairly comfortable, and so they can afford to make most of the changes necessary to lower their impact. It’s no real surprise then, that they blithely assume most people can go out and buy rain barrels whenever they want. But that’s not the case. The vast majority of American families are struggling just to make ends meet.

I’m unemployed right now and a graduate student, so I’m one of them. I also know a thing or two about poverty –I grew up grindingly poor, to the point where my childhood was spent on and off the streets. So I know and understand the hard battle for economic survival many people –including myself –are facing right now. Economic collapse in this country didn’t begin with Peak Oil last year, or last month, and it won’t begin tomorrow or last year. It began in the 1980s and has only gotten worse. More and more people get knocked down, or off, the economic ladder all the time. I want nothing more than to save the planet. That’s the honest truth. And so do many others among the working poor. But when the rubber meets the road, reality has to be faced and some hard choices made. If I have to choose between being eco friendly and eating dinner, I’m going to eat dinner. And so are a whole lot of other folks.

That’s why I decided to write this essay. It’s partly about being eco-friendly on a budget and partly about sheer economic survival. (And about merging the two whenever possible.) I’m going to talk about general ways to cut overall costs, about ways to eat well cheaply, and about low-cost (as opposed to outright low-energy) food preservation methods. Some people may know most of this stuff, but my aim is to provide knowledge to the widest audience possible to help people cope.

GENERAL WAYS TO CUT COSTS
1.) First, find out where the leaks are. Start a record of everything you spend –and I do mean everything. From groceries to the coke at the office. Include rent or the mortgage payment, utilities, everything. You can’t see where to go until you know where you’re at. And when you realize that you’re spending $100 or more a year on cokes at work, it might make you think twice about buying the next one. I know people are busy, but this step will only take ten or fifteen minutes a week (if that) and the rewards are tremendous.
2.) Cut out the “necessities” that are really conveniences. I’m talking cable TV, high speed internet (or internet at all), cell phones, etc. If you’re really desperate, cut off the phone service. If you absolutely have to be able to be reached, get one of those cheapo pay as you go cell phones.
3.) Raise or lower the thermostat (or turn the system off all together when possible). Standard advice, but still good. Make the change incrementally rather than all at once to give yourself time to adjust. Where I’m at, each degree you raise or lower the thermostat can save you up to $10 a month. (Depending on numerous variables of course.) When the weather’s nice, turn off the A/C or heater and open the windows. Fresh air never killed anyone.
4.) Trip chain, and walk, bike, or use public transit when possible: More standard advice, but still good. This won’t work for everyone, and that’s fine too. After being on your feet all day at the diner or the construction site, you might not feel like biking to the store. That’s fine, but you can stop at the store on your way home. Gasoline is way too expensive to waste.
5.) Line dry your clothes. If you don’t have a clothesline its cold out, you can use drying racks inside or hang them on your shower rod.
6.) Shop discount stores, thrift stores, and yard sales. Big Lots, Fred’s, Family Dollar, and the like are often cheaper than even Wal-mart. Your kid might need new sneakers, but you can get them for five bucks at the thrift shop, versus at least fifteen at the store.
7.) Buy in bulk (when cheaper) and on sale. One of the mantras of frugality is “never pay full price”.
8.) Buy only what you need, and never buy disposables. You need food –you don’t need IPODS, jewelry, new clothing, DVDs, etc. As for disposables, they cost both you and the planet more in the long run. This includes even paper towels. I have three dozen washcloths, bought at yard sales that I use in place of paper towels. They work better and even when I factor in washing I’m ahead.
9.) Buy only what you need, and never buy disposables. You need food –you don’t need IPODS, jewelry, new clothing, DVDs, etc. As for disposables, they cost both you and the planet more in the long run. This includes even paper towels. I have three dozen washcloths, bought at yard sales that I use in place of paper towels. They work better and even when I factor in washing I’m ahead.
10.) Consider moving into cheaper housing. Also consider moving closer to work, or getting a job closer to home. Consider moving in with family or friends for a while, if need be, having them move in with you, or taking in a boarder if you have the room. No, this will not be comfortable, but we’re talking survival here –not comfort. And your situation might not be that bad right now, but six months from now it could be so don’t dismiss the notion out of hand.
11.) Make do, reduce, reuse, recycle: Go without if you have to. Try to find a cheaper (preferably free) alternative to buying something.
12.) Gain new skills. Learn to do something yourself instead of buying it. Also use the skills you’ve got; if you have a lawn mower, offer to mow your more affluent friends/neighbors yards for a few bucks.
13.) Ditch the gas guzzler. If you absolutely *need* a minivan, pickup, or SUV for work, make sure your work is paying for it. And the extra gas. Otherwise, ditch it anyone you can. Get the smallest, cheapest car you can find and fit your family into. (If you have to have a car.) Get something older and paid for. You might have to spend a bit more on maintenance, but the savings on car insurance and payments will definitely offset that. Whatever you do, get rid of the car payment. If you can’t sell the car, total it if you have to. I’m not advocating breaking the law here; but you do what you need to do to survive.
14.) Trash pick and dumpster dive. Don’t make funny faces –I didn’t say climb into a dumpster. Never do that. But if something good is on top or on the curb, grab it. If you can’t use it you can probably sell it. Just yesterday I got a solid wood end table off the side of the road. I could only sell it for five bucks or so, but that’s something. You’d be surprised what people throw out.
15.) Ditch the plastic. In fact, cut the cards up. (Except your debit.) Years ago The People’s Almanac did a study that showed people spend 23% more with cards than with cash. This has since been proven over and over again. If you’re in debt get out. And if you can’t get out (I know it happens, and believe me, I understand) swallow your pride and file for bankruptcy. The new laws really aren’t as bad as they make it sound, unless you make a lot of money.
16.) Never forget the mantra: SMALL SAVINGS ADD UP. A dollar is a dollar is a dollar.

EATING WELL, ON A BUDGET
This is getting harder and harder to do, but I am still managing it. Here’s some tricks that I use. I’m no expert and am constantly learning, but these are strategies that work for me. I’m going to post general tips first and then go into specifics for various categories.
General Tips
1.) Use a price book. This was first espoused in The Tightwad Gazette but it still works today. Basically, keep track of the prices for the groceries you buy at various stores in your area and shop the cheapest ones. You might have to change the prices a bit more often due to inflation, but it still works. Only use the stores on your usual routes –don’t go out of your way. If this sounds like a lot of work to you, it’s not. It only takes a couple of hours to pull one together, and then 15 minutes every month or so to update it. Mine only has 50 different items or so, and I can remember most of the lowest prices in my head. Because I have the book, I know that bananas are normally 50 cents a pound in my area. Anything over that is too much, anything lower than that is a sale. When you see a sale on something you use a lot, stockpile it.
2.) Shop loss leaders. A lot of people (me included) get store flyers weekly in the mail and there’s no way to opt out. So I go through them and mark the really good deals. This is what your price book is good for, among other things. Also sign up for those little cards some stores have. I hate them, but they save me way too much money.
3.) Ditch the convenience and junk food. And I mean ALL of it. Not just the frozen dinners; but the potato chips, the cookies, the pudding cups, the bagged and microwavable popcorn (it takes fifteen minutes to pop some on the stove, and its much better). I also mean cold cereal (save when there’s a really good sale), bakery muffins, frozen pancakes, all of it.
4.) Stop eating out. Don’t whenever you can avoid it. Eat at home whenever possible.
5.) Cook at home, from scratch. Don’t hyperventilate. Even if you’ve never cooked in your life you can learn to do so. I did. It’s not hard, it just takes practice. As for time limitations, that just takes organization. Believe me, I’m busy too. I tend to make big batches of food at once and either freeze it or keep it around for several days and eat off it. Sometimes on the weekends I’ll make a big batch of muffins or pancakes and eat off that all week.
6.) Eat simply. You don’t need a four course meal every night. Rice and beans aren’t going to kill you.
7.) Go meatless at least part of the time. There is no reason you should need meat more than 2-3 times a week if you’re eating plenty of other protein.
8.) Go easy on the dairy. You don’t need it everyday, especially if it’s conventional. The antibiotics and hormones in it aren’t exactly good for your system. BTW –and this is heresy in our society I know –I would recommend NEVER eating conventional dairy products while pregnant or nursing, and never giving them to a growing child. There’s more than a little bit of evidence that the hormones in them cause problems, even to the point of causing girls to enter puberty sooner.
9.) Plant a garden. Even if you get one lousy tomato, that’s something. And even if you live in an apartment, you can at least grow sprouts. You can also check to see if your community has a community garden and see about getting a plot. For the disabled, check and see if your community has a free garden that supplies produce in season to poor and disabled residents. Mine does; it’s by the botanical gardens and it’s tended by volunteers, most of whom are master gardeners.
10.) Only buy from farmer’s markets things that are cheaper than at the grocery store. Heresy again, but it’s not going to do yourself any good to support the local farmer if you end up half starving because of it.
11.) Preserve your own food when you can do it cheaply enough. See below.
12.) Never turn down free food.
13.) If really desperate, go to the food bank. It’s what they’re there for. I have never done this, but that’s because I’m single and childless and I figure that no matter how bad off I am there’s someone with kids who needs that stuff worse.
14.) Finally, consider dumpster diving behind grocery stores at the end of the day. Make sure the dumpster isn’t locked or monitored. (Yes, some stores monitor their dumpsters –pathetic I know.) You wouldn’t believe how much food gets tossed on a daily basis in this country. Fresh bread that didn’t sell that day. Produce they’ve had for a day (maybe two) but that’s still good. Whole cases of good stuff because one jar broke. Some stores donate this stuff to food banks, but a lot of them don’t.
Fruits and Vegetables
1.) Frozen is usually much cheaper than fresh. That this should be the case is one of the best examples I know of just how irrational our economy is. Frozen food must be harvested, washed, cut up, packaged, frozen, transported in refrigerated trucks, and kept frozen at the store. And yet a pound of fresh broccoli is often $4 or more, while a pound of frozen can generally be had for a $1 or a $1.25 on sale. Most of it is flash frozen so the loss of nutrients is minimal. You wouldn’t want to eat frozen fruit or vegetables straight up, but they’re good for cooking.
2.) Frozen juice concentrate is cheaper than the bottles. A half gallon of the cheap apple juice in the bottle is normally around two dollars. I can get the equivalent amount frozen for $0.87 or cheaper and mix it up myself. Other juices are the same. Only by 100% juice btw –otherwise you’re wasting your money on corn syrup and sugar.
3.) Potatoes, sweet potatoes, garlic, onions, dried beans, and rice are good sources of calories and vitamins and are very cheap to boot.
4.) Store bought canned good suck. But you can live off of them. Learn to, at least part of the time.
5.) The cheapest fresh vegetable (aside from those in number 3) are carrots. I can get a decent sized bag of the baby ones, year round, for $1.50-$2.00. I try to keep them around for snacks and such.
6.) Most stores make lettuce and salad mixes a loss leader about once a month. Keep an eye out for this.
7.) In season is the cheapest time to buy most fruits and vegetables. I got a little watermelon the other day for two bucks. Tomatoes and such are also cheap; buy twenty pounds at the farmer’s market and put them up for the winter.
8.) The cheapest fruits are generally bananas followed by apples. Both are good sources of nutrition for both adults and children.
9.) Only buy whole grains. The other stuff is empty calories. (Complete with bleach residues.) This is one category where the slightly higher expense is worth it.
10.) Pastas tend to go on sale roughly every other month. Keep an eye out and stock up.
11.) Dried beans are cheaper than fresh.
12.) Peanut butter is one of the best foods you can buy, hands down.
Eggs and Dairy
1.) Use these sparingly.
2.) Find out when your local stores mark down items near their expiration dates. (Most here do this on Sunday afternoons.) You can often get things half price at this point.
3.) Butter and cheese can be frozen without side effects.
Meats
I’m not the best person to comment on this, as I don’t often eat meat (and can’t cook the stuff; raw meat turns my stomach). But here’s what I do know:
1.) Chicken is the cheapest meat. Whole chickens are generally cheapest, followed by dark meat and then white meat.
2.) Ground chuck/beef/etc are generally the cheapest cuts.
3.) Meat too is usually marked down when it gets near to expiration. That’s a good time to buy it and freeze it.

LOW COST FOOD PRESERVATION
There are many different methods you can use, and I’m going to list them in no particular order.

1.) Store foods that don’t need special preservation techniques. Grains, rice, dried beans, and the like will keep just about indefinitely if stores properly.
2.) Freezing. This should not be your only or even your primary source of preserving. But if you have a refrigerator, presumably you have a freezer. You’ll be surprised to find how much food you can cram into the average size freezer. Use square containers (they take up less space) and label everything. I don’t recommend buying a freezer unless you can find a used one cheap that is the right size for your family and is also energy star certified.
3.) Curing. Many foods will keep for months when properly cured and stored. These include potatoes, sweet potatoes, garlic, onions, and winter squashes.
4.) Canning. No, canning need not be expensive. Once you’ve got the equipment all you have to pay for are lids, food, water, and power. And you can still can a lot of food for less than a store bought can of the same item. All you need to can high-acid items is a water bath canner. You can even make one. For low-acid items you need a pressure canner. Both of these can generally be found used for little cost. A brand new water bath canner with rack is about $13. Jars are expensive –IF you buy them. I have literally hundreds of jars, and all of them came from Freecycle and friends. Put the word out and you’ll be surprised what turns up!
5.) Drying. Especially solar drying. You can make a solar dryer from common household items.

I hope this has been helpful. Tackling the subject of economic survival in an essay is a might task –at best, I’ve scratched the surface. Above all, remember that attitude is key: The right attitude can make the difference between thriving and being depressed (or worse.)

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Monday, June 25, 2007

Small Savings Add Up

I’ve been called a tightwad, and I guess it’s true. I have to pinch pennies to make it. I am not however, cheap, which I define as doing things to save money that cause harm to others. This attitude towards money didn’t come naturally, or even easily, to me. My mother was a compulsive shopper (among other, less flattering things). She would go on a shopping spree and spend the rent money when it was due in a few days and payday was a week away. This happened all the time. I’ve had my some struggles with money, but nothing that serious. I’ve had to learn –the hard way –how to be responsible with money.
So I pinch pennies whenever I can. Sometimes I might not save much from a particular project, but even spare change adds up. I do not mean to imply that one should concentrate on small things in an effort to save money; by all means, focus on the big things first. But don’t overlook the small things as a waste of time, or you could be losing out on some significant savings.
Take my bread baking, for example. I bake all my own bread. The time commitment is minimal and I save some money doing it. I make my bread for many reasons that far outweigh any cost savings. These include knowing what the ingredients are, lack of preservatives, the enjoyment I get from baking, and the fact that nothing beats a freshly baked slice of bread with butter spread on it. But let’s focus on the cost benefits for a moment.
The cheapest store bought white bread is about a dollar per loaf. But white bread is essentially empty colors –no vitamins, no fiber. I only eat whole wheat bread. The cheapest loaf of whole wheat bread in my area runs about $2.00, usually more. I could purchase bread at a bakery thrift store, but I’ve discovered it doesn’t last long enough for me to finish the loaf. I eat about a loaf of bread per week, so if I purchased my bread I would have to pay $8 a month for it.
How much does it cost to bake my own bread? Keep in mind that I only bake one day a week and fill the oven when I do. (With casseroles, pies, etc to make sure the energy isn’t wasted.) My basic bread recipe calls for 3 cups of flour, 1 tsp of yeast, 1 cup warm water, and 2 tablespoon of cooking/vegetable oil. Using the most expensive ingredients, here’s the cost breakdown:
Flour: .60/loaf
Yeast: .60/loaf
Water: essentially free
Oil: .10/loaf
Electricity: ~.10/loaf
This brings me to a grand total of $1.40 per loaf of bread. Okay, so I only save 60 cents per loaf of bread I bake myself instead of buying. But that 60 cents multiplied by four loaves a month is $2.40. Multiply that by 12 months, and that’s a yearly savings of $28.80.
Now, less than 30 bucks a year isn’t going to my fanny out of the financial fire as I struggle to finish grad school, much less get me to my dream of five acres or more. But it’s a start, and is indicative of the kind of things that make a difference. Maybe thirty bucks a year won’t do much, but if I can repeat that with two other projects that earn about the same or slightly more, that’s a hundred dollars in savings per year. And that’s real money. That kind of money could allow me to purchase a pressure canner, which would let me save on my other groceries, which would let me save even more money which would…I think you see where this is going.
Why am I writing a post about saving money? Because money is the number one obstacle and the primary key to achieving one’s dreams or making changes to your life. Leaving a smaller eco-footprint means spending less money –but often you have to spend money to get to that state. The same for voluntary simplicity. And the pursuit of almost any dream in our society means spending some amount of money. If you have plenty of it, great. You can do almost anything. But if you don’t have enough cash, you’ll have to find away to get it. This usually means saving at least some amount. And anything that helps you cut expenses and save some money, no matter how big or small, is a stuff in the right direction.

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Thursday, April 05, 2007

Just Enough To Pay The Rent

One of my friends is 72. She’s retired, and lives off a fixed income. It’s not much, but she keeps her expenses down and is able to make it. She also runs a small used bookstore at a local artist collective. She rents half of a stall for her store and only sales a handful of books every week. (She brings in much more than that though, so she’ll soon be out of room!) Most people wouldn’t keep going. It wouldn’t be worth it to them if they weren’t making any money. However, she’s not in it to make money. She does it just because she enjoys it. She says that her only goal “is to make enough money to pay the rent”. And she does, though sometimes just barely. It’s funny to watch her after she’s made the rent and a little extra. She’ll leave her stall when she doesn’t have any customers and wander through the market, chatting with and patronizing other artists. She’s not afraid of people stealing her merchandise; she says that anyone who would steal a book needs it more than she does!

I’ve been thinking about her a lot lately. My thoughts have been along the lines of what the world would be like if more people had her view. What if everyone only cared about making enough to meet their expenses, and a little bit more? What if there wasn’t all of this greed, all of this striving to accumulate the most stuff and the most money, regardless of the costs to others? What if we all did something just because we enjoyed it? I can’t help but imagine a world like that.

I think it might just be a much better place.

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