Tag Archives: budget

What makes you simply rich? (And our decision on the cable vs. antenna dilema)

Recently, we had family come to visit. It was a good visit. But they were deeply concerned. They could not, in any way, see why in the world we chose to live with some goofy looking rabbit ears on an old CRT television set. While they were here we started losing a few of the channels we’d previously had (we weren’t down to just the single one we had this past Friday just yet). We weren’t terribly dismayed by this but thought maybe we ought to try out a better quality antenna as we had company. It didn’t work. They took this as a sign that we must really be broke and struggling if we just could not afford cable. It took us three days and a lot of long heart-felt and loving conversations to convince them that not only are we just fine, but, for the most part we really do prefer life this way. We love the simplicity of it. We like not being inundated by a constant news loop or all the commercials causing our kids to insist that the world will end if they don’t have that new gadget that the television man swore was the very best thing ever! (I’ll never forget how hard it was to convince my five year old that Blue Bell Ice Cream wasn’t necessarily the very best ever just because the commercial said so. It IS good. Very good. But that’s not the point). This point of contention over our choice of antenna use went on, in spite of my two children happily playing outside in dirt (we have a LOT of dirt in the desert by the way), and making art on the sidewalks with chalk and reading books and playing cowboys and indians and space men and knights in shining duct-tape-covered-shopping-bag armor. My kids have some dvd’s they enjoy, but mostly they don’t miss cable tv because they don’t have it. We have old-fashioned fun. We read a lot. We laugh a lot. We listen to music a lot. And they have a healthy understanding of the joy of Saturday morning cartoons (something that my generation may have been the very last to really appreciate). We like the effusive childhood joy that rings throughout our home for lack of constant droning and distracting television. Until we limited the channels coming into our house we had no idea how much of a drain it was on our family life other than just the budget. Simplicity can bring so many rich things to our lives. I think it becomes easy to chase something we have been convinced is better, when in reality it may not be. So, dear friends, I share our choice on the cable matter as well as this old story with you I stumbled across today because it is timely to what we just experienced here at my house:

How Poor We Really Are

One day a wealthy family man took his son on a trip to the country so he could have his son see how poor country people were. They stayed one day and one night in the farmhouse of a very humble farm. On the way back home at the end of the trip the father asked the son, ‘What did you think of the trip?’

The son replied, ‘Very nice, Dad.’

The father then asked, ‘Did you noticed how poor they were?’

The son replied, ‘Yes, I guess so.’

The father then added, ‘And what did you learn?’

To this question, the son thought for a moment and answered slowly, ‘I learned that we have one dog in the house and they have four. We have a fountain in the garden and they have a stream that has no end.

‘We have fancy lanterns in our garden, while they have the stars. Our garden goes to the edge of our yard, but for their back yard they have the entire horizon!’ At the end of the son’s reply, the rich father was speechless. His son then added: ‘Thanks, Dad, for showing me how poor we really are.’

~Author Unknown~

We’re sticking with the antenna. For now.

So, dear readers, what unexpected rich joys have come into your life because of something you’ve simplified?

Crushing chalk

Art: Rainbow Rock. Medium used-crushed sidewalk chalk and...a rock. All on his own.

Perspective and practice: When to change either or both

We have been in a good, consistent groove in our household for while with the way we function. We have some pretty specific practices in place for handling the budget, school, household chores and general everyday stuff. But today I turned on the television-the one with the antenna on top that I’ve previously written about-and found that the five good channels we used to get now consists of one that we can hear clearly but not see, two that look mostly fuzzy but can’t hear, and one that is just not there anymore. We get ONE channel in decently. My husband called an antenna installer and learned that, because we live up against the mountain that we need a line of sight over, we pretty much won’t get much of anything out of an antenna than we hadn’t previously gotten (which we were reasonably content with) and at this point maybe even less-even with a giant old-fashioned style mounted antenna on the roof since we can’t be sure what caused this disruption to begin with.  We also learned that the tree that has been bare the better part of the year since we moved into this house has caused further disruption by doing the darndest thing: growing leaves. So, faced with absolutely no television reception early this morning (except for a very low-budget Christian talk show out of Texas that manages to come in quite clearly) I fiddled with the antenna a while with no luck. I grabbed my laptop and a cup of coffee. My toddler grabbed his shoes and pointed out to the back yard. I thought-heck why not? So out we went in pajamas and sandals, with coffee and laptop and his breakfast in tow and sat outside for a change of scenery. As I sat there watching him puttering in the back yard, digging in the dirt, inspecting rocks, sitting on wet grass and happy as can be I considered if it’s worth the $35 a month for basic cable and if it fits our current goals and plans. It occurred to me as I sat there, enjoying the warm early morning summer sounds of the desert, the buzzing bees, the chirping birds, the little dog next door yapping out a hello to my dog who was lazily ignoring it, that sometimes changing your vantage point, even if it’s just sitting outside when you normally don’t, can help change your perspective on your needs and your wants. Inside the house, as I’d poured my coffee, I was seriously considering finding that $35 for cable in my budget today and calling the cable company this afternoon. But as I sat out there, watching my child play, surfing news online and tapping away for this post, I found myself at peace with the sounds of summer around me. I still need to review whether our household practice of having no cable is going to continue or not, but I’m taking the weekend to consider this practice from another perspective. I’ll keep you posted.

How about you? Do you give yourself time and space to consider your choices carefully? Do you just jump in right away and hang on?

You’ve gotta learn to walk before you can run…

And even then…at some point your shoes get worn out and the manufacturer discontinues them or upgrades them and you face a little bit of a set back where that groove you’d found isn’t feeling quite so groovy. Getting started on a budget is not an easy thing to do. And it won’t be perfect. Even when you’ve been doing it as long as I have. But take it from someone that has been at this a while: the setbacks become fewer and farther between; Murphy camps out less in your backyard because it’s just not as fun for him anymore. And when you start to see a little success in each of your small victories then you it will keep you going. You will fall down. Get back up and try again. It’s worth it. I promise.

Old shoes with too many miles. Don't let it stop you.

FREE Books!!!

Well. For a little while anyway. Usually three whole weeks. And with amazing modern technology you can usually renew your items at the end of your three weeks for more time. Where can you get amazing FREE books? Are you ready for this?? Your LOCAL LIBRARY. If you haven’t stepped into your local library since card catalogs were the kind you pull out of drawers and were actually on CARDS then you might just be in for a treat. Libraries, even the ones in the smallest of counties, have a surprising number of free resources. Most libraries now let you browse their catalog online from home, some let you reserve books from home and some pull the books for you in advance to pick up at the front desk. If you get close to the due date and you haven’t quite finished your selection (or started on one as sometimes is the case with me!) you can log in from home and re-check your items. Libraries these days have a ton of great books, DVD’s, CD’s that can be checked out.  Most also have free Wi-Fi. I live in a very rural area and even our quaint, small public library has some fantastic resources and plenty of current movies (including some great foreign selections if you like!). When I lived in a more metropolitan area I could “order” the books I wanted and pick them up at the desk without having to wander the stacks (unless you want to and I often do just to lose myself for a while). If you have children there are often great programs and story times and the librarians are usually wonderful resources for where to find out what is going on in the community. The last time I walked out of my library (last week) I had more than twenty books (many for my children, but at least six for myself). If I’d walked out of a bookstore with this many books I cringe to think of the money I’d have spent. While I do buy plenty of books, I usually only buy the ones I want on my bookshelves for years to come. The rest I find at my wonderful local library.  Free entertainment  fits in very nicely into anyones budget! Free is budget friendly.

I’d love to hear your thoughts: Do you have a library card? Why not??

Yep. Really. A Budget.

“Whether you think that you can, or that you can’t, you are usually right.”-Henry Ford

My first one looked a lot like this one. It was tough at first. It felt like….WORK. And it was. But I haven’t had to work real hard at in the eight years since we started living on one. Now it’s about refinement. It’s graduated to a lovely Excel spreadsheet. You’ve got to start somewhere. A notepad and a pencil will do just fine.

It starts like this. JUST like this. Start small and make baby steps.

Two things we live better without

My husband and I knew a transition was coming. After 8 years, he was getting out of the Army. We knew there might be a period of unemployment. We began planning at least 2 years in advance. We weren’t debt free yet. But we were well on our way. When the day came and he still hadn’t found a new job we tightened an already tight belt on our finances. We squinted our critical eye even harder at our budget to find anywhere at all we could further cut our household expenses. We found it in two items: Our cell phones and the cable bill. Now granted, we were already using what most people consider VERY basic levels of cable and cell phones. But we jumped from basic cable to a set of retro-old school rabbit ears on top of our old CRT television. And we made the jump to pre-paid cell phones. At first it was hard and it felt a little like we’d jumped off the edge of the world of technology. But over time, we realized that we really don’t feel the need to go back to having over a hundred channels to surf, often not finding anything we really want to watch anyway. And we now watch our minutes and spend on our cell phones only what we can afford and only use what we need. These two cuts helped us find slightly over $100 a month in our budget which translates to $1200 a year. When you look at it that way-it’s awfully hard to consider going back. So how about you? Do you have a budget? Can you find something you can live without? Take a look you might be surprised! I’d love to hear what you find.

These are basic-but even the upgraded models can be cost effective!