Money Revelations

There’s this post going around Facebook that asks a very simple question.

What does it take to blow $10,000 a year? Just $27.40 of unnecessary spending in a day.

You probably are saying you don’t blow $27.40 a day and that may be true. However, most people don’t realize how much small purchases add up. Whether it’s buying more food than you can use before it spoils, picking up clearance clothes just because they’re cheap, or eating out when you could eat food from home, most people are wasting at least some money every week.

Those small purchases do add up.

If you shop for entertainment or comfort, your weekly waste would probably shock you.

I did a No Spend Challenge in January and have continued the challenge off and on beyond the original 31 day commitment. This is partly because I’m trying to save for adventure season (which will be here soon!) and partly because it’s become so natural to question spending temptations.

This challenge was designed to reset my spending and consumption habits after the gluttony of the holidays. It’s also great for quieting my mind, fostering a sense of gratitude and for coping with some bad habits.

One thing I have learned is that the more time I spend in a store, the more money I spend.

Case in point – I have saved a ton of money by reducing my Walmart trips to just twice a month. I despise Walmart but have to live in the world I wake up in and that world is a place saturated by Walmart.

It’s the cheapest place around to get Scout’s cat food and supplies so I go twice a month for these things and for a few other items that I can only buy there. But each trip always results in impulse buys and it doesn’t matter if the trips are two weeks apart or two days apart.

In this store I develop a kind of amnesia where I can never remember if I have enough shampoo and where I’m certain the dish soap is nearly gone. And then I notice socks on clearance and that cute Pioneer Woman scoop that’s perfect for my laundry detergent and things fall apart rather quickly. The next thing you know, I have gathered $30 worth of cheap socks, shampoo and pecans that I don’t need.

And I’ve always been ok with this because I believe in having a stocked pantry and in keeping myself in a place that I never have to buy anything. However, you can only use so much stuff.

Guys, $30 will fill the tank of my Nerdmobile and a tank of gas will take this fuel efficient car far from home.

So I’m training myself to ask more questions. Is that lunch out or clearance junk worth skipping an adventure?

Not only that, I want to retire without worry someday. Is it worth working longer just to have that stuff in my cart?

Nope. No. No way. It’s not.

Friends, money is a tool to be used to reach your goals. It’s not just for spending. It’s for making life better, for happiness and it’s for security.

Is there something you habitually spend money on that you are willing to cut for an important savings goal? I would love to hear about it.

February Reading

The last couple of months have been an extremely productive reading time for me. Adventure season will be underway soon and reading time will be more scarce but for now I’m focusing on a few simple rules – always carry a book, turn off the tv, and choose reading over mindless activities.

It’s worked well so far although many were quite easy this month as my brain has been on overload. Here’s the February pile.

You don’t want to read a review of them all but I will point out a few even though I loved every single one.

Dear Photograph by Taylor Jones

This is a delightful book based around a simple concept. Hold up a photo from the past in the place where it was originally taken. Then write a sentence about what that photo means to you. It’s an easy read but thought provoking at times. It’s also fun to pull off the shelf when you just need something a little different.

Hannah’s Suitcase by Karen Levine

This title was written for a young audience so it was an easy read but one of the most moving books I’ve read in a long time. It tells the story of how the director of a Holocaust museum in Japan tracked down the fate of a little girl who was sent to Auschwitz. The museum had received the girl’s suitcase which had her name printed on the side. That’s all the director had to work with – the girl’s name – to unravel the story of what happened to her and her family.

This is difficult subject matter but the story is told respectfully and I am grateful that I stumbled into this book.

Survivor’s Club by Michael Bornstein and Debbie Bornstein Holinstat

CBS This Morning featured a moving segment about the Holocaust last month. It talked about how this horrific event is being forgotten by younger generations and about the increase in people who believe that it didn’t happen at all.

They interviewed MichaeL Bornstein whose photograph was taken in 1945 when he was carried out of Auschwitz in his grandmother’s arms. He was just four that day and had known only loss and misery in his short life. The fact he survived the camp is nothing short of a miracle as the Nazis killed most children on the day they arrived.

The reason he told his story is that he saw his likeness – the picture he uses on the book cover – on a website that denies the Holocaust. He knew then that it was time to educate people and to combat the deniers.

This is a family memoir and incredibly personal but it is exceptionally told. It is heartbreaking and uplifting. Read it.

The Melody Lingers On by Mary Higgins Clark

This author recently died after a prolific decades long career which resulted in dozens of books I’ve never read. When a suspense addicted friend learned of this oversight I was strongly encouraged to put my nose in one of her books immediately, if not sooner. This book is fast paced with a great story line and a twist. I enjoyed it and would certainly read more of her work.

A Fools’s Errand by Lonnie Bunch III

Lonnie Bunch is the Founding Director of the National Museum of African American History and Culture. I read this memoir after seeing some interviews with him when the museum opened. He is a fascinating man and an engaging conversationalist (at least in interviews) and I would love to have a museum tour with him. The book tells a fascinating story but it was written by an academic and can be dry at times. Hang in there though.

There are some beautiful stories within these chapters – humorous, sad and enraging at times. He began this museum with nothing. No staff, no money, not even a desk to call his own or a phone extension to reach him. He persevered, engaging celebrities, politicians and common people to find the money, artifacts and willpower to keep going.

The museum isn’t meant to attract just African Americans. It tells the story of America and the important place of African Americans within that story. One of my favorite stories was of the shoe shine man who refused payment because he wanted Lonnie to put the $8 toward the museum. When Lonnie insisted on paying, the elderly African American man said “Don’t be rude. I am not sure what is in a museum, but it may be the only place where my grandchildren will learn what life did to me, and what I did with my life.”

I’m officially dying to go explore.

* * *

I started reading David McCullough’s “The Pioneers” but set it aside for a while. I will be captivated by this book someday but my head wasn’t in the game and needed something a little easier!

What’s the best book you’ve read lately?

Happy Birthday Scout!

Since I picked up Scout in the street when he was just a little guy, I have no idea when he was actually born. The vet gave an estimate. While I think that it’s a few weeks off the mark, we ran with it this weekend and had a little first birthday party for Scout.

He had tuna. The humans had cake. He received more gifts than a lot of children. And like most kids, he was more interested in the packaging than the actual toys!

And like most kids, he turns a bit wild when his grandparents come to visit. He was practically swinging from the chandeliers by the time they left.

I made him a little party hat but he was pretty determined to not wear it. Poor little cat didn’t want to put on a silly party hat for pictures! In fact, he’s probably still traumatized from the Christmas hat.

It may sound silly celebrating a cat’s birthday but I believe that one key to happiness is appreciating the small things.

It may be a small thing but Scout is kind of a big deal in my life. It’s the least I can do to wish this sweet little cat a Happy Birthday!

1950’s: Building the American Dream

If you’re interested in knowing more about the 1950s in America, you’ll find a decent overview at Ohio History Connect, the Ohio historical society. It’s called “1950s: Building the American Dream.”

The exhibit covers a number of topics ranging from music and popular baby names to polio and McCarthyism,

The Crosley station wagon we looked at earlier this week is part of this installation. There’s also an Airstream camper pulled by a 1957 Chevy Bellaire.

The highlight though is a Lustron home that is staged to represent a nuclear family’s home in central Ohio in the fifties.

Lustron was one of the first prefab homes in the country and manufactured in central Ohio. The company was short lived but some of these homes can still be found around the country.

Visitors are encouraged to take a hands-on approach in this space. You’re invited to look through the closets, open the kitchen cabinets or sit down and watch Ozzie and Harriet on the television in the living room.

They have a number of interesting things here but this was hands down my favorite feature of this museum.

It is a popular destination for school groups. I felt rather smug, getting there early and exiting just after the first class of kids spilled out everywhere.

If you’re interested in seeing the fifties exhibit, don’t drag your feet. It closes at the end of 2020. Learn more here. They also have an exhibit about sports history that I didn’t go near as well as a lot about Ohio’s native peoples and something to represent each of Ohio’s 88 counties.

Cinnamon Spice Granola

Since realizing how easy it is to make homemade granola, there is always some kind of tasty granola on hand in my house. Most of my concoctions use just a handful of ingredients that the typical home cook has on hand and they always come together quickly.

This weekend I found a recipe that I didn’t care for because it used a lot of oil and a ton of brown sugar but it did contain just the right combination of spices. So I stole the spice idea and improvised the rest. When I make it again, I’m going to reduce the brown sugar more. The original recipe called for five tablespoons and I opted for three but that’s still more than I want to consume.

Nonetheless, friends, it’s delicious. Want the recipe? Look no further!

Cinnamon Spice Granola

1 teaspoon cinnamon

1/2 teaspoon nutmeg

1/4 teaspoon cloves

3 Tablespoons brown sugar

1/2 cup maple syrup

1/4 agave nectar ( or honey if that’s what you have)

2 cups rolled oats

1 cup walnut pieces

Golden raisins (optional)

Mix together the first four ingredients. Then add the maple syrup and agave and mix well. Add the walnuts and oats, stirring well to coat.

Spread out in a single layer on a cookie sheet. Bake at 350 degrees for ten minutes and remove from oven to stir. Bake another ten minutes and remove from oven. I added some golden raisins at the end and gave it another good stir.

And yes, it is as easy as it sounds.

It takes about five minutes to prepare and twenty to bake. I leave mine on the pan for a while to let it cool and become crispy.

In addition to having delicious granola to eat, your house will smell divine.

1948 Crosley Station Wagon

In 1948 the Crosley Motors Company made a station wagon that got fifty miles to the gallon. One of those cars is pictured above. It’s part of an exhibit about the fifties that you can currently see at the Ohio History Center in Columbus.

Crosley produced these cars in Camp Washington here in Ohio but many Ohioans have never seen one on the road because they only made about 84,000 cars. The company actually wasn’t known for their cars as much as their radios and for WLW, once called the “nation’s radio station.”

Crosley made some other cars, including a pre-war coupe that was quite popular, but the wagon was the most commercially successful. Yet it still wasn’t enough to keep the company afloat. They ceased production in 1952.

The museum has just one small sign about the car but I would love to see an entire exhibit about the Crosley Company. Despite the failed venture into automobiles, owner Powell Crosley was an incredibly smart business man who made radios and other appliances affordable for the common family.

When radio signals weren’t strong enough to reach customers in rural America, he built the most powerful transmitter anyone had seen and began broadcasting the best talent of the day including people like Red Skelton, the Mills Brothers and Rosemary Clooney.

I have a Crosley radio in my collection but they are hard to find and usually expensive.

The influence and reach of the Crosley radio alone should be enough to merit a museum so it makes me a little sad that such a thing doesn’t exist.

Meanwhile, you can go to Columbus and enjoy the station wagon. You also can think of Crosley each time you flip on the radio, and say thanks for all the company did to make this technology affordable and accessible, not just to the wealthy but to everyone.