Showing posts with label fiscal responsibility. Show all posts
Showing posts with label fiscal responsibility. Show all posts

Wednesday, September 22, 2010

The Recession is Over...So Why are All the Cheap Living Articles Still Out?

According to the National Bureau of Economic Research, the "Great Recession" has been over since June 2009. Hmmph. Wish they'd let everyone know. The NEBR warns that although the recession is over, the economy's sluggish metabolism is not going to speed up overnight. Well, ya think? Elementary, my dear NBER, elementary.

Actually, I think it's good that the economy recovers slowly. It'll give us more time to think about what happened and how we got there. It cheers me to see articles titled "Save with scratch-and-dent food", "Jackson-area residents revert to traditional ways to save money", and "Are you misplacing hundreds of dollars?". The more our population strives to stretch pennies in one area, the more individuals can free some up for important items like savings accounts, emergency accounts, and IRAs (all of which are usually considered "frivolous" in times of economic hardship).

When we realize our personal buying on credit has turned our debt-based economy into a bi-partisan mess, we can clean up our spending, start saving, and get educated on the politicians who want to represent us. So many of us vote for the here and now solutions without bothering to consider what impact they'll have on tomorrow. Let's force our politicians to offer us viable solutions that have a realistic look at tomorrow by only voting for those who are socially and environmentally responsible for today and tomorrow.

Additionally, let's get educated on where exactly all of our stuff comes from and what impact that has on us as Americans and as Earth-dwellers. For example, do you have any idea how your jumbo-sized chicken breast got to your table or why tons of inner-aisle grocery products have corn-based ingredients? How does our constant need for meat and sugar affect our economy, environment, and health? Watch Food, Inc. to get a few of these answers. Check out ShopResponsibly.org to see what you can do to be a more responsible shopper.

Finally, let's all live cheaply. What's wrong with frugality becoming a lifestyle instead of emergency habit? Proverbs 13: 7 says "One man pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth." I'd rather be the person pretending to be poor instead of actually being poor. Forgive me if that sounds callous, but it's true. There are very few people in this world who would chose to struggle financially.

Here are some cheap living ideas:
  • Planting an herb, vegetable, and/or fruit garden in your backyard is one of the greenest things you can do that will pay for itself.
  • Reuse or upcycle your stuff.
  • Buy used stuff (especially cars-just do your research first).
  • Be your own personal dishwasher.
  • Line dry your clothing.
  • Walk, run, or cycle in your neighborhood and buy some (used) weights to make your own at-home gym.
  • Start a co-op for things you need: baby-sitting, meals, cleaning, etc. You'd be amazed what people will do to avoid paying for something they'd be doing for themselves anyway.
There are a ton of great options for being cheap and green.

Take the challenge: Find one thing you're willing to change in order to be more frugal and/or greener. Once that becomes a habit, find something else. Slow and steady makes for lasting change. Think about how your actions today impact tomorrow. That's change we can all believe in! ;)

-Domestic Goddess out.

Monday, January 18, 2010

"Green"liness is next to godliness?

First of all, let me give you my definition of "being green": living a healthy, sustainable lifestyle that does the least amount of damage to the planet as possible. I am by no means very good at this lifestyle! There are a lot of things I should/could do like compost, pile on more blankets instead of using space heaters, and buy everything local and fresh. However, I am a great believer in changing my lifestyle by incorporating small changes slowly enough so they become habits instead of merely phases I go through.

Thinking about it, though, I do think we (especially those who profess to be Christians) are called to be green. Again and again, I realize we are merely stewards, not owners, of everything we think is ours. To be a steward is to be a caretaker. Think of Lord of the Rings: Return of the King. Denethor, the dude who goes crazy in the midst of battle, and his family were charged with maintaining the kingdom of Gondor in the king's absence...even though Gondor had been without a king for hundreds of years. That's our job with Earth. Check it out: Gen 2:15 Then the LORD God took the man and put him in the garden of Eden to tend and keep it. (NKJV, emphasis added)

Additionally, it's just as important to take care of our bodies as it is to take care of Earth: 1 Cor 3:16-17 Do you not know that you are the temple of God and that the Spirit of God dwells in you? If anyone defiles the temple of God, God will destroy him. For the temple of God is holy, which temple you are (NKJV).

Ever heard of the old "trash in, trash out" theory? Well, that's not completely true. Sure, some of our trash ends up in the toilet, but our bodies actually absorb a lot of the junk we put into it. We very happily poison our bodies on a regular basis! What could be worse for the environment? Sick people need to use a lot of artifice to get them better. To quote my doctor friend, "Our bodies were designed to be healthy." Shoving nasty stuff (like margarine, pills, anything processed, etc.) will take its toll on us eventually.

I'm actually going through a purification (which is a combined cleanse and detoxification program) right now. It's a 21 day program in which I primarily eat vegetables and fruit. My grocery bill is much higher right now than it's been in a long very long time. However, I feel fantastic! I get fuller on much less food, have much less food angst (if you're a former/struggling fattie, you know exactly what I'm talking about), and am reveling in the tastes that are exploding from the foods I'm eating. It's great. I can only imagine what my health would be like if I continued with this. To me, it's much better to invest in my health now and enjoy the benefits instead of steadily eating myself into a person who's been fighting with sickness her entire life. Plus, it's good incentive to get rid of the old black thumb and get a garden going! :)

All in all, being green is good for everyone and everything around us. It's very fashionable right now, but more importantly, it's godly. Keeping the Earth and our bodies in good repair definitely makes "green"liness closer to godliness than cleanliness does!

-Domestic Goddess out.

Wednesday, July 15, 2009

My Way or No Way: A Comparison Between Children & Americans

My two-year-old, bless her, is a study in yin and yang. One second, she's as ornery as can be, the next, she's giving me hugs and kisses and telling me she loves me. How do you discipline such wild swings in temperament? It's like the little girl with a curl in the middle of her forehead: when she's good, she's very, very good but when she's bad, she's (sort of) wicked. Actually, I have it quite easy, as parenting goes. I have no qualms counting to three and actually administering the threatened punishment. I refuse to raise my voice unless we're too far for normal speaking distances. These traits have developed (thankfully) a mostly obedient child. I just take it really badly when "instant obedience to orders" isn't fulfilled...

Which made me think of Americans and how we act with our government. When we want something, we whine and moan and gripe until we're given what we want. When we something gets taken away, we bellyache until the cows come home. It's not much different from how our two-year-olds try to manipulate us into doing what they want. How many people work to change their situations instead of making the government pay for their poor decisions? How many people work to help others instead of forcing the government to support them? May I remind everyone that all this "help" comes at our own expense?

Whatever happened to helping each other out and tackling problems on a local scale instead of at the national level? Why can't communities provide the primary help their needy folks require? Don't go thinking right away that I'm a stingy Rebulican who can't stand poor people. Nothing could be further from the truth. I like helping people in need, but I feel my definition of need is much different from the government's.

Case in point: A married couple buys a house in 2003 even though their incomes show that they really shouldn't. They decide to have kids even though they can barely support themselves. They whine about barely being able to pay bills while pulling out all the most up-to-date techie gear and watching their 700 channels of cable or while shopping (again). In 2009, one of their cars breaks down. There's no money to pay for repairs, so they decide to get a new one. They take out yet another loan to pay for something they can't afford. This drains all their savings, which means they are now below their state's poverty level. Now, they qualify for all sorts of government assistance like food stamps, WIC, reduced tax rates and other expense-reducing benefits. Why, why, WHY? They caused their own problems, quite happily, I may add.

Their very bad financial decisions put them below the poverty level, not some horrid accident. They still have 700 channels, fancy phones, and the highest cell phone plans. They still go out to eat and shop regularly. They don't employ any bill-reducing practices like turning lights off or running the A/C slightly higher so they pay a little less. In my mind, that's just wilfull stupidity reaping its own rewards. (Yes, several people tried to warn them about their spending...repeatedly).

Who qualifies for help in my mind? The single parent who is trying to go to school and work part time to support her family and get ahead. The person who got seriously injured on the job and can't work anymore. The refugees and immigrants who are trying to start a life in a new country. People who are working three jobs but still can't make ends meet. These people need some assistance, some encouragement.

If you need information on why you should get out of debt and how you can do it, check out Beating Debt. This non-profit organization offers excellent resources (for minimal prices) that will help you take a realistic look at your income and expenses and how they are used. Check it out, and let me know what you think.

-Domestic Goddess out.