money management

The Marriage Connoisseur, Chapter 4

~ Bev Parker ~ Leave a comment

“Extravagance is the fear of poverty and the need for attention.  Discretion is the fear of nothing and the need of nothing.” – Byron Tully in The Old Money Book—How to Live Better While Spending Less

Chapter 4–It’s Not Fun, But it Must Be Done

Respecting Your Money                                      

In the life-enhancing, joy-bringing book, An Italian Journey by James Ernest Shaw is this truth: “Spending money for things we don’t need also makes us think we can’t afford to pay a fair price for things of precious value–like healthful food, great art, and inspired entertainment that celebrates mankind’s creative spirit.”

This can be seemingly insignificant purchases, but oh, they are not! The curious thing is how we think we’re saving money at the big box store where tomatoes are half the price of those at the farm stand, not noticing that the big box tomatoes aren’t edible, while the farm stand tomatoes call our names with their scent before we can even see them. Everything about shopping at the farm stand satisfies. The price is only a part of good money management.

We think it’s good money management to choose the BOGO sale and yet wonder how we come home without what we need and after spending well beyond what we planned. We wrongly equate a full pantry with prosperity, even though it’s full of things we’d be better off without.

Right now my pantry and freezers hold mixtures of things we’ll eat and things we’ll throw out. It is the old case of careless spending, rather than careful, focused, thoughtful purchasing of quality goods. It’s the rewarding of the bigger-but-not-better guys at the expense of the purveyors of quality, and at the expense of ourselves.

This is a big deal. I’m not at all talking about big business vs. small. I’m talking about quality vs. quantity, about the huge expense of going cheap, about cheating yourself and your family via spending your money on fluff.

And fluff makes us fluffy. Fluff is energy bars, instant oatmeal, dry cereal with cheap skim milk, microwave mac-n-cheese, corn syrup and sugar-filled drinks, 30-ingredient “snacks” and “treats” and other such fakiness. Expensive on every level. The richest people in the world can’t afford this.

The Richest People in the World

The richest people in the world respect their money.  Contrary to popular opinion and stories about Scrooge, or the evils of Mr. Banks (in Mary Poppins) in working his tail off so his family had the luxury of whining about it, many people who have money don’t worship it, and aren’t greedy with it. 

I can present plenty of evidence, both in personal experience and through extensive research to support this statement, but that is not the issue at hand. The issue at hand is the scriptural mandate that we be good stewards of our money, and one very important reason for this is that it shuts the door on many marital issues.

We all have money attitudes and beliefs from our upbringing, education, and life experiences, but if they don’t serve us they need to go!  And lest you forget it, here’s one of many such reminders—don’t be looking at what the other person is doing wrong, just get your own act right.  Now.  Right now.  It’s a glorious feeling to see how quickly money piles up when you stop spending it.  All those things we thought we couldn’t do without—try just postponing them for a bit and see how smug you feel.

Blowing the Deal

If my husband reads this, he will likely hope I’m taking my own words to heart. Well, I am. This is a big deal.  And I’m not blowing the deal with tit for tat.  Once upon a time, not so long ago as I’d like it to have been, I complained about something he spent money on.  “I don’t think you want to go there,” he said.

Well, I didn’t and I did.  I did want to take his statement, his implied accusation, and carefully examine it.  No, that’s not quite right.  I didn’t want to, I needed to.  And I did, painful though it was.  I went from a “fine, see if I spend another dime and have fun living on pinto beans” attitude, to one a bit more fruitful. 

It’s a process, this path to victory, but we never arrive if we won’t even consider considering the ever-so-remote possibility that we might, just maybe, need to make a bit of a change.

So, be it money or anything else that’s causing even a little bit of thorniness in our down-filled nests, it must be dealt with for what it is—a big deal.  Pray it out, think it out, talk it out, walk it out–but don’t blow the money deal!

Suggested Reading:  The Old Money Book by Byron Tully

Keys to Victory:  Respect your money, but don’t be mastered by it.

Music:  Just Another Woman in Love by Anne Murray

Thoughts and Prayers:

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.