money management

Happy Valentine’s Day to You! My Daybook, Friend to Friend, is now available on Amazon–get your paperback, hardcover, or e-book and start every day with good thoughts and inspiring words!

~ Bev Parker ~ Leave a comment

HUNKY HUSBAND COOKS for Independence Day Picnic

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This was the Best Man’s YouTube debut, and I think you’ll agree he’s a star. I wish we could share the meat with you–SOOOOOOOOOOOOOOO GOOD!

Let me know if you want to see more of this guy!

July 4 (or 6!) Cooking for Liberty, Freedom and Independence from Yucky, Expensive, Unhealthy, and again, EXPENSIVE Food.

~ Bev Parker ~ Leave a comment

Another of several videos showing you how to get really good in the kitchen, at making better food even as you spend less on groceries.

If you agree this is worth sharing, please do so, and please like and subscribe!

The 24-Hour Money Saving Rule

~ Bev Parker ~ Leave a comment

Before I get to the money saving part, I would like to share with you the difference a day makes when writing queries to literary agents. I wrote a simply marvelous, utterly irresistible query yesterday, and because the internet went down, I had to obey my rule: Always wait 24 hours before submitting what you write to such luminaries as literary agents (I call them luminaries because they are readers and writers with power in my life!). And they seem to get a kick out of ridiculous/desperate query letters–I’ve noticed this when reading about how NOT to write one.

Back to my stunning query. When I approached it this morning with thoughts of a bit of tweaking (mostly just to enjoy my brilliance before sharing it) it had, in a mere 24 hours, become riddled with mush. It was confusing, disjointed, wordy–headache inducing.

I hope I fixed it. Perhaps waiting yet another twenty-four hours would have been wise.

And now for the money-saving part. This is hard to write because I’d rather not tell. But I am here to help! Last night (DON’T BUY THINGS ON THE NET AFTER MIDNIGHT) while listening to a YouTube video (DON’T WATCH YOUTUBE AFTER MIDNIGHT–also perhaps another good idea) I learned about Wal-Mart Plus–they deliver! I promptly signed up ($98 dollars with just a slight movement of a finger), made an order and then learned, well no, they don’t deliver to my house.

“Oh, sigh,” as my daughter used to say when things didn’t go according to plan. You know the rest of this sad tale: If I had heeded my own 24-hour rule, and waited until today, I would have perhaps done a little research before blithely tossing $98 down the Wal-Mart hole . . . And now I get the intense enjoyment of trying to sort this out.

So, just back off. Tell your money you’re the boss of it and it doesn’t get to go flying out of your hands whenever it wants to. Tell it you’ll talk again in 24 hours.

Do-It-Yourself Beauty–Hair, Makeup and More

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Frugality and Fridge Therapy

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Running From What Will Save Me–A Homemaking Thing

~ Bev Parker ~ Leave a comment

For someone who loves home and family as much as do I, I certainly can get bent out of shape when my runaway plans go awry. This morning, after six days of shopping dates thwarted and nixed by various and sundry entities and events, I finally let it go. I finally said, “Maybe it’s best I stay home. Maybe I’ll make like a big girl Jesus-truster, and be still. Rest. Stop chomping at the bit, whining, fretting.”

I have quite a list (been adding to it for six days) of things I “need.” Is it possible that all those things I think and hear myself say that I “need” are just me justifying spending money that will be needed later for a better cause? “Patience, my dear. We know from experience where pressure gets us.”

Could it be that all I’ve said and re-said about home is true? That it is the most excellent place, the place for a creative grace to be had only at the hands of a truly attenrive home artiste? Might it be so that time and attention at home are always rewarded, as I’ve so often maintained, even as time and attention to shopping is often more regretted than rewarded?

I sit now in peace–the taker of my own advice: when at all possible stay home, and when you least want to do so, there’s likely a prize hiding behind that desire to flee, a treasure to be found and had by simply being still.

It could be the treasure of a new book idea, or finding and using what I have to recover those filthy bar stools, or thrilling my heart by trashing all my makeup unless I bought it in the last six months (nothing left except my almost-gone mascara). I might even fertilize my plants! I can even iron my linen shirts while listening to a French lesson or calling my sweet friend Pam. Snow’s coming–I’ll build a fire, fill the wood box, make a pot of soup. And back to the makeup idea–I can feel the thrill of putting it all in the trash even as I am writing this post!

Who knows what I’ll get up today? The brain is stirring up possibility.

Zero for Six Update

~ Bev Parker ~ Leave a comment

In case you didn’t know, Zero for Six is about doing zero of something(s) for six months. I’ve been experimenting with four areas in this adventure: spending, diet, words, and TV.

As usual, the TV isn’t really a thing. In weeks and weeks, the only thing I’ve watched, with and at her request, was Emma with my daughter. This the Romola Garai version and in two sittings. That’s it. I’m not counting watching excellent preachers and motivational/inspirational speakers such as Jennifer L. Scott, Creflo Dollar, Benjamin Hardy, and Terri Savelle. But even these, helpful and positive as they are, can become excessive escapism. How to know: Do I go and do what they’ve inspired me to do, or do I just go on to the next video?

What to do, what to do? Read, don’t watch! Read books by these people (Madame Chic books by Jennifer L. Scott should not be missed!). Write, don’t watch! Write your morning pages, your artist’s pages, your scribbles. Until those thoughts going through your brain–up, down, and all around and all the time–are put down on paper, you’ll struggle to sort them and make sense of them. And then speak–the solution, not the problem.

Words. I’m learning that less is more. Less problem speaking, opinon spewing, and “news” spreading makes for more victory. This is a battle I refuse to lose, and I’m willing to crucify pride in the pursuit of positive, life-filled, scripturally correct speaking. I’ve given my family not only permission, but a request to call me on it, when less than helpful words come out of my mouth. So, I’m not at zero negativity, but that’s the unchanging goal.

I’ve found that what I speak about diet, or as I’ve put it in past posts, not eating fatigue-inducing foods, is helpful. I’m not only speaking that it’s easy as pie to do intermittent fasting, but that I don’t really even like sugar. At all. I’m finding that speaking that I’m simply no longer interested in less-than-healthy and delicious foods makes that so. In talking about how high the cost and how low the benefit of eating out so often turns out to be, I am cooking with greater care and more satisfying outcomes.

A most satisfying outcome of eating at home is the money savings. I do consider eating out, in many cases, to be unnecessary spending. I’m making progress here. I’ve come to the place where I pay attention to my instincts, and where my stomach doesn’t rule me.

If I have a bit of doubt, I get out! While traveling in South Dakota, (80 mph speed limits on Interstate!!!) for instance, my daughter and I stopped at a steakhouse. We went inside and the decor didn’t wow me. Way too gray and minimalist, and an attempt at authenticity via a sawdust-covered floor that didn’t impress. We gave our names to a snarky hostess and I went to the rest room. In there two women were carrying on about their husbands, and it was evident they didn’t know about positive words. They were well versed in the various and creative ways to denigate their husbands with the F word, but past that their vocabularies were limited. And so their lives.

“Let’s get out of here,” I said to Hannah. We left town, ended up at a marvelous destination in the middle of the South Dakota prairie, where we had the best night’s sleep in two weeks–The Dakota Prairie Hunting Lodge. I’d made an excellent soup the day before and it came out of the ice chest and into the microwave. We then dined on the deck where we watched the sun set, listened to innumerable critters sing their evening songs, and enjoyed the breeze along with our delicious and satisfying meal.

The next day, after leaving Mount Rushmore (soooooooooooo marvelous) we had peanut butter and honey sandwiches in the car rather than stop and spend. We made it to Fort Collins, where John met us at the car rental place. I was so ready to go on home, and to not spend any more money, but when John said, “Are you hungry,” Hannah answered with a vigorous nod and “Yes!” Off we went for a delicous and delightful meal at 3 Margaritas. Was that unnecessary spending? Not at all.

~ Bev Parker ~ Leave a comment

Week One of my Zero For Six adventure is over, and here are some conclusions and confessions.

ON NON-ESSENTIAL SPENDING

I tried more than once to buy makeup and skin care, and finally settled for ordering the ingredients to make skincare at home (from Vitacost.com) and a tube of lipstick and some foundation, both Mineral Fusion. This after I trashed all my old (some 14 years old!) cosmetics and was completely out of skincare. I was using Vaseline.

When I say I tried more than once, I mean I filled my cart with some very impressive products on the Net, and then just couldn’t spend all that money, so gave it up. The next morning I drove to a department store to see if there was one of those cool specials where you spend $35 and get a promo package worth $150 of stuff you mostly want and will use. Nothing doing, plus they were blasting cruddy (non-relaxing, non-uplifting, non-melodious) music and I’m just so over going into stores where the customer is obviously not that important.

So, one of the morals of this story is that frugality can either be deprivation, or it can be an open door to creativity, often resulting in a better quality and healthier outcome. And of course, there’s that lovely smug feeling that comes of spending less and getting more. How smart are we? Pretty smart.

ON NON-FATIGUING FOODS

I dropped the ball here a little, both at The Sugar Mouse tea house on Thursday in Laramie, Wyoming, and then again Saturday night, when I made chocolate no-bake cookies (they had peanut butter, so that makes them real food, right?). But then this morning I read Honey, God’s Gift for Health and Beauty, which caused me to sweeten my blueberry muffins with honey rather than sugar, and to give my leftover no-bakes to my son, who has no belly fat and a great love for no-bakes.

From there I researched benefits of drinking vinegar and honey and went to town for organic (with the mother) apple cider vinegar. I already have raw honey, so upon finishing this post I’ll make this amazing elixir and partake!

As to coffee, I actually went to a coffee shop and ordered herbal blackberry tea, iced. Delicious! I didn’t have any coffee at all, all week long, until a very tiny cup (1/4 cup of coffee, 1/4 cup of heavy whipping cream) today, telling myself that I will allow myself one cup per week. So, we’ll see how that goes.

ON WATCHING

I scored A++++++ on this one. There are so many other marvelous and fun and creative things that get done when the TV/laptop/phone is off. I love it. Yes, there were a couple of times when I wanted to watch something, but it was only when I was thinking of eating something fatiguing . . . As I’ve said before, these habits, for good or for not-so-good, go together.

It was helpful that I didn’t take a martyr’s stance, that I checked my thoughts before speaking them. I might have thought a few times that it would be nice to sit down and take a load off, watching something totally fun, such as Decoy Bride, or that it wouldn’t hurt to watch whatever John was watching. After all, it was Friday night . . . But I didn’t speak it, didn’t talk about it. Instead I settled in with a stack of books, my journal, pens, and highlighters, and read old favorites such as The Shape of a Year by Jean Hersey, and Candy Paull’s Abundance. I prayed as I read from the Psalms, and also had a couple of lovely phone conversations. Best of all, I did some some very in-depth listening to my beloveds as they shared their hearts. This simply doesn’t happen when you’re glued to the tube.

Determined not to be even a little bit tempted to watch an episode of Poirot tonight, I made a library visit and came home with Francine Rivers, Victoria Holt and of course, Agatha Christie. I was completely surprised by the ending of By the Pricking of My Thumbs, and I keep marveling at the mind of Agatha Christie, and wondering when my non-watching time will become writing time. Fiction, I mean–the writing that stretches me, calls me, eludes me, and won’t leave me alone. As my daugher Rebekah said when she was little and things didn’t go smoothly, “Oh, sigh.”

ON SPEAKING GOOD WORDS

I noticed and noted that I don’t need to worry about the negative words of others–I have plenty of my own. I read Lindsey Roberts’ free booklet, The Company You Keep and among so much rich and uplifting information, I focused on the idea of being good company to me. I really enjoy myself when nothing but faith, thanksgiving, and great expecations come out of my mouth.

And of course, what you fill your heart and mind is what comes out of your mouth, and then what becomes your life. So, maybe out of all four of my Zero For Six quests, this one of is most important of all.

No More Cashlessness via Carelessness–Zero For Six Plans and Procedures

~ Bev Parker ~ Leave a comment

Sometimes you just have to say, “Whoa there, Girlie.” When you find beauty products you don’t remember buying–they’re a few years out of date, so how could you? When you think it makes sense to gripe about food going bad in the fridge–“people” need to eat more salad, right? If your closet is stuffed with “deals” you never wear, and there are life-changing (the good doctor on the net promised and he wore a white coat) supplements galore in the back of somewhere . . . Most of all, if your beloveds think and maybe even dare to say, that you’re just a teeny bit out of balance . . . rein it in.

If you’re like me, and quite gifted at excuse-making and behavior justification, you can be your own worst enemy. You, the real and reasonable you, would rather she had the cash than all that stuff. And yet, girls will be girls, right? Wrong. Just as it goes all over me when mothers of brat sons simper, “Boys will be boys,” it goes all over me when I catch myself excusing and repeating bad behavior.

Yep. Disrespecting your cash with throwing it away on stuff, is bad behavior. And so. Here I go. I’m on vacation and thinking about those flowers . . . Those flowers I meant to buy for my balcony as soon as I returned to Colorado where surely to Goodness the snow would be over–they’ll keep. Those supplements I “always order” (as though that justifies it) I will do without, because after all, when I stop with the junk eating, they’ll be much less needed. Designer soaps (my guilty pleasure and we all must have those, right? Nope.) will still be there in six months.

When I decide that not only will I stop paying for “entertainment” that doesn’t cut it, it follows that I will return to the “real” and often cost-free entertainment I once enjoyed. I’ll take a thermos, quilt and good book to the woods and watch the sun set; hike nearby trails with whoever wants to come along, make my own mayo and bread for roast beef sandwiches (such a good feeling and outcome) for a riverside picnic, play cards and board games, re-read my watercolor book and do a little watercolor painting, get my French DVDs out again, sit on the balcony and listen to birds sing as I hold my darlin’s hand, read deep and delightful books, listen carefully and for as long as is desired, to my children and friends–undistracted by a plan to engage in substandard and dollar-devouring behaviors.

And so forth. I actually began the spending frost (a freeze means you don’t spend a single dime) in May. There was a conversation, a catalyst. I would say it opened my eyes, but actually it just royally ticked me off. But when I cooled off and thought about it, I knew, again, it was time to rein it in. (NOTE: It makes absolutely no difference what other people are spending–this is about the one in the mirror).

And it’s like magic. When I say, “It really is possible to have brunch without sparkling cider; I can cut my own bangs; no one will croak if we don’t have milk every day; we’ll have just to get creative with our cooking (such good meals happen!); and, not only am I not buying summer clothes, I’m getting rid of half of what I have,” it is nothing less than astounding what happens to the checking account.

John called me to look at the bank statement the other day. “Can this be right?” he asked. Oh, so smug am I. Nonchalantly I nodded. “Yes. That’s right.”

And so it is. Absolutely right that I, a beloved child of God, do not drive a team of runaway horses unto the disaster, despair and defeat (in countless cases, even divorce) of cashlessness via carelessness.

Thanks for allowing me to share with you, and please pass this Zero For Six adventure on to anyone who comes to mind. Anyone. You could save a marriage, actually.