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Choices

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This article on Minimalist Mom yesterday was particularly interesting, and got even more so in the comments section.  Rachel’s life is quite similar to my own – she’s a stay at home mom who also works part time from home, and has a husband who is an entrepreneur.  She manages the bulk of the household responsibilities, while her husband earns the bulk of the family income.  In our situation, my husband and I are both W2 employees of our corporation – and have been for years now – but while he works at least 40 hours a week at our business, I work about 10 – 15.  I take care of most of the responsibilities of running the household (stuff like laundry, cooking, cleaning, etc.) and I’m with our son all day while my husband works.  In the evenings, we’re both with our son.  My husband takes care of stuff like the lawn, construction projects, fixing things around the house, etc.

20 years ago, I would have kicked and screamed if anyone had told me that I would eventually find myself with such a traditional division of labor in terms of gender roles.  As a teen, I had no desire to cook, clean, or do anything else related to “keeping house”.  I got a college degree, and then took a bit of a non-traditional path by joining the Peace Corps and spending two years teaching math in Africa.  I came back and got a job in the corporate world, and found myself moving pretty quickly up the corporate ladder.  At 24 I was a manager with 10 employees.  I went on business trips all over the country.  I wore suits to work.  I had a 401k and fancy business cards.  I worked 60 hours a week.  I hated my job and everything that went along with it.

In the summer of 2003, I quit my job and joined my husband in the fledgling insurance agency he had created the year before.  My income dropped significantly.  We went into debt to keep our little business running, and didn’t get it all paid off until 2007.  Life was definitely not easy from a financial point of view, but we were both so much happier working for ourselves.  We knew that eventually we wanted to have children, and that working from home would make things easier when we did.

When our son was born in 2008, I quit my side-job at the local library and scaled way back on the number of hours I was working for our business.  My husband took on some of the work I had been doing, and we settled into our new roles just fine.  Three years later, it’s still a very good setup for our family.  We realize that we’re extremely fortunate to be able to make a good living without either of us ever having to leave the house.  Although I’m the one taking care of our son during the day, my husband is just a few seconds away in the basement, and can come up to help us out if we need him.  He eats lunch with us every day, and sometimes takes a break in the middle of the day to take our son to the park, run errands, or just hang out with us in the backyard.

Although my teenage self would have shuddered at the thought of spending days washing diapers and cooking, I’m right where I want to be.  I’m sure that once our children are in school, my life will change again to focus more on our business.  (I realize that I’m fortunate to be in a situation where we own our business and I don’t have to convince anyone to hire me).

Although the commenter on Rachel’s post was adamant that women who leave or pause their careers to take care of children are doing themselves a disservice, I see it a little differently.  I just see choices, and we all have to make them.  We choose whether or not to partner with someone long-term or remain independent.  We choose whether or not to have children.  We choose career paths based on all sorts of different motivation:  some seek careers with high pay, others want prestige, some want fulfilling work, others want work that gives them flexibility in terms of how they spend their days…  There’s no one path or series of choices that works for everyone.  I have no desire to ever own a brand new car or live in a mansion.  I don’t need new clothing (since I can get all the designer stuff I want for pennies on the dollar at thrift stores) or high end purses.  I don’t want mani/pedis, facials, or massages.  Because my husband and I are low-maintenance, we don’t need a whole lot of money to be happy.  That means that we’re able to save for the future and have everything we need even though I spend most of my time taking care of our household.  Someone who does want all of those things that I mentioned might find that they need to have two full time incomes to make it work.  And if they choose to not have children, they’ll probably find it even easier to have those things.  That’s not to say that one way is better or worse, just that we have to make choices.

I have found that I’m much happier when I’m not judging other people who want something different out of life than I want.  Having a spouse and children makes me happy, but that doesn’t mean that it makes everyone happy.  Taking care of our household also makes me happy, but I know that it would make some people go crazy with boredom and frustration.  My husband and I feel most comfortable with completely shared finances, but I know that isn’t the case for all couples.  I think “dd” (the commenter on Rachel’s article) is being a bit overly dramatic in saying that most marriages break up and then we women will all end up living “off the government”.  One has to assume that dd has also had to make choices in his/her life – those same choices that we all have to make.  And while I assume that dd would make different choices than Rachel and I have made, that doesn’t mean that he/she hasn’t had to give up things in order to pursue his/her chosen path.  We can’t have everything.  We can’t be both single and married.  We can’t work full time and also be stay at home parents.  We can’t opt to work in a non-profit for $30,000/year and also live a millionaire lifestyle with a yacht.  We just have to choose which things are worth giving up, and which are worth pursuing.  And those choices will be different for all of us.

Neighbors Can Be Frugal Together

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The following is a guest post from Kristen Cavaliere.  Not only does it fit in well with the concept of frugality, but it also works perfectly for people who are trying to simplify their lives, own fewer possessions, and build strong bonds within their communities.  Hopefully you’ll find some good ideas here, and be inspired to come up with more of your own.

Neighbors Can Be Frugal Together

These days it pays to be frugal. One untapped source you may not have thought of is your neighbors. If you have a close-knit neighborhood, you can use shared activities to financially benefit from each other.

How do you get started, you may ask?  Simply invite your neighbors over for dinner or have a potluck over a long weekend or holiday to get to know one another. Then, TALK!! Once the ideas start being thrown around, it’s guaranteed more than one neighbor will be willing to become frugal together. Here are just a few suggestions:

Shared Resources/Shared Equipment

Trimming trees is so much easier with a great pair of shears. Instead of investing in a pair, ask your neighbor to borrow theirs. You can also talk to those in the neighborhooda about co-buying large equipment such as a ride-on lawn mower or edger.

For just a few hundred dollars, you can wind up with many years of use of a top-quality riding lawn mower and bear only a small fraction of the maintenance and expense.

Share your Green Thumb

If your neighbor grows a garden, meet up with them before planting season to discuss planting different things in each of your gardens and sharing equally.

Bulk Meat

Talk to several families about purchasing a butchered and packaged cow. Usually, you can get this far cheaper than retail at a meat locker. Sell shares of it and split up the meat so that you don’t overload your own freezer.

Neighbors that hunt together every year may also want to split their prizes among the neighborhood as well.

Neighborhood Meals

A great way to get to “eat out” with only the cost of one home-prepared item is by getting neighbors together to have rotating meals. Once every other week or so, one family cooks for everyone. This will work year-round but in the summer, cookouts are a great idea for getting together. Each family is assigned to bring one dish, rotating the families that bring the hamburgers, hot dogs or skewers. The kids and parents have a lot of fun, and it’s very affordable and simple to put together.

Mutual Babysitting

Offer to watch a neighbor’s children one Saturday night a month in exchange for them watching your kids once a month.

This can be especially valuable at Christmastime. It’s great to get the children out of the house so that  the buy and wrap present, while knowing they’ll be having a grand time at their friends’.

Movie Night Out

During the summers, get together and watch a movie outdoors. This is a lot cheaper than going to the movie theater … tickets are free and popcorn consists of a few bags per family popped in your microwave. No one is sitting behind your kids asking them to keep it down either! If the kids get bored, there’s a built-in playground (a yard) close to you and you can still enjoy relaxing with friends and enjoying the movie.

In order to be frugal and benefit from each other, you cannot be shy! Some of your neighbors may have already thought of these ideas but are too timid to bring it up. When it comes to being frugal, you need to take the initiative to start saving in the long run.

Many thanks to Kristen Cavaliere for the the guest post… for over a decade, gladly assisting consumers with their debt consolidation needs.

On Not Being Busy

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For as long as I can remember, I have thrived on being busy.  In the four years I was in college, I completed something like 170 credits (120 was needed for a degree), and also worked between 15 and 35 hours a week for the final three years of college.  After my time in the Peace Corps, I took a job that technically required 52 hours a week, but usually ended up being more, and that only increased once I became a manager.  After my husband and I started our own business, I took a side job at the library to help us make ends meet, and juggled the two jobs for several years.  I liked being busy.  I liked having  a long to-do list.  I felt successful and productive when I could look at all that I had accomplished in a day.

But I can feel myself changing.  I no longer have such a strong desire to always be busy.  I want downtime.  I want to sit on the couch under a blanket with our son and read ten library books in a row.  I want to work on whatever task I’m currently doing without six other planned tasks bouncing around in my head.  I no longer feel the need to be busy all the time in order to feel like I’m a productive, worthy person.

The Happiest Mom wrote a great article about “I’m-so-busy-itis” a couple years ago, and it’s well worth a read.  (Thanks to Rachel from Minimalist Mom for the link).  I’ve never been one to detail my to-do list to other people or complain about how busy I am, but I’ve always done so in my own head.  Especially since our son was born and I scaled way back on my responsibilities for our business, I’ve felt a need to make sure that I’m always busy in order to justify to myself that I’m still contributing as much to the family as my husband.  But I’m finding that I just don’t feel the need to be that busy anymore.  I don’t need to justify my worth to myself, and my husband would prefer that I be a little less busy anyway (although he works very hard, he’s always been better than me at unwinding and enjoying downtime).

I have lots of friends who fall into the “I’m-so-busy-itis” category, but I no longer feel any desire to be as busy as they are.  I want simplicity, a slower pace, and a relatively short to-do list.  I’ve been getting much better over the last year or so about not over-scheduling our weekends, and now I’m taking steps to simplify the smaller details of my life too.  Last week I unsubscribed from all of the political/social/activist websites that had been sending me an average of about twenty emails a day.  I had been getting so many that I found that I was just deleting most of them anyway, and now my in-box feels much lighter and cleaner.  I still feel just as strongly about my political/social views as I ever have, but I don’t need hourly emails to remind me of my views or encourage me to donate money or time.  Opting to receive far fewer emails is a very simple step, but it’s one that has made my life a little bit easier too, and I’m looking for ways that I can replicate this in other aspects of my life.

The biggest change I’ve made is the mental switch to not needing to be busy all the time in order to feel worthy, productive and happy.  When friends talk about their over-crammed schedules, I don’t feel inferior for having half as much on my plate.  Keeping our life as simple as possible – with lots of time to just hang out – is much more important to me these days than being busy all the time used to be.  A minimalist attitude towards possessions makes this much easier, since we don’t need to be on a work-spend-work treadmill.

All in all, I’ve decided that being constantly busy and hurrying all the time is a bit over-rated.  Even though I thought that I was thriving on that lifestyle for years, I definitely prefer the slower pace that I have now.  I still feel productive, and get a lot done each day, but my pace is more relaxed, and I like it that way.

Why I Don’t Make New Year’s Resolutions

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Happy 2011!  I hope you all had a nice, relaxing holiday season.  Right now, we’re really enjoying the fact that our holiday decorations were limited to a little Christmas bear hanging on our wall clock, an evergreen bough on top of our kitchen cabinets, and a homemade reindeer ornament that our son’s cousin made for him.  Not much to do in terms of taking it all down!

And that brings us to New Year’s resolutions.  In keeping with our “doing things our own way” style, we don’t do resolutions.   January 1 is a day, just like every other day.  Sure, it’s the start of a new year, but there are plenty of other beginnings we can celebrate too.  12 times each year a new month begins.  52 times each year we get to start a new week, and 365 times each year we get to start a new day.  Maybe it’s because my family doesn’t place a great deal of importance on any holidays (trying instead to make every day special), but January 1 isn’t any more significant to me than February 1.

Instead of resolving to make big changes at the start of each year, my approach is to make changes whenever I think of them, or whenever I’m feeling particularly motivated by something.  And I tend to avoid making too many changes at once.  Sometime in the fall of 2009, I decided to start making our bed every morning when we got up (something I had never done before).  It takes less than a minute to make the bed, but for the rest of the day the room looks great.  This was a simple change, and one that later helped motivate me to be more focused on neatness throughout the house.  These days, I can’t imagine leaving the bedroom in the morning without making the bed.

Last year, sometime in April, I started to be intrigued by the idea of minimalism, purging clutter, and limiting shopping.  I decided to stop going to my favorite thrift stores (except to donate stuff) and vowed to not buy any clothing for the rest of the year.  I have no idea what the specific date was, but I was successful in making that change too.  I very rarely go thrift store shopping anymore (if I do, it’s with a specific purpose, like new winter boots for our son), and I haven’t bought any clothes since April.  Of course, I was able to drag my box of maternity clothes up from the basement a couple months ago, so it’s sort of like I got a whole new wardrobe anyway…

It was also sometime last spring when I decided to stop spending valuable time and mental energy reading the news.  That was another very good change, and although the start of it didn’t coincide with any significant calendar date, I’ve been able to (mostly) stick with it.  (I say mostly because I do still have to spend a chunk of time each day online for work, and sometimes I find myself clicking on links that end up being time/energy wasters.  But I’m much more able to recognize those for what they are now, and get myself back on task relatively quickly).

There are lots of reasons why most New Year’s resolutions are doomed to failure.  Some people try to take on too many things at once.  We all know someone who resolves to stop smoking, start exercising for an hour a day, give up soda, lose 20 pounds, and start meditating every morning… all on January 1.  For a very small percentage of people, making multiple radical changes at one time works quite well.  But for most people, it’s likely to be overwhelming.  I think that another reason resolutions made on January 1 tend to fail is because the date really is just another day.  There’s a lot of hype around the start of a new year, but it’s no easier to make major changes on January 1 than it is on March 23rd.  There’s nothing magical about January first.  Making changes in our lives requires just as much effort now as it would two months from now.  Sometimes I think that people make resolutions on January 1 simply because everybody else is doing it, rather than out of a deep desire to change something.  It might make more sense to make changes when the motivation strikes, regardless of the date on the calendar (January 3rd is just as good as January 1st!)

If you’re looking for a little inspiration in terms of making positive changes in your life, check out this article from Minimalist Mom.  And don’t worry about what the calendar says.  At any point in our lives we can make changes, both big and small, that will put us on a better, more rewarding path.  Listening to ourselves and paying attention to what we really want out of life is more likely to motivate us than the dawning of a particular day on the calendar.

Non-Extreme Minimalism

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This post from Minimalist Mom really resonated with me today.  It perfectly describes my kind of minimalism, and I agree with Rachel that it’s much more likely to be embraced by a lot of people than extreme minimalism.  I have no desire to live out of a backpack or move somewhere new every few months.  My family lived in several states when I was a child, and I traveled quite a bit in my 20s.  When I finished college, I joined the Peace Corps and headed to Africa for two years with only what I could fit in two suitcases.  I know that I can live perfectly well in a tiny house with no running water or electricity, and a ceiling made of old burlap sacks.  But I sure do appreciate the fact that the house I live in now has a washing machine and electricity.

At this stage in my life, I’m very happy to live in one place for a long time, working on our mini-farm and raising our children.  And I like having things like a couch, bed, and dining room table.  The extreme minimalist movement has inspired me to clear out clutter and stop shopping, but I have no desire to get rid of all of our possessions and become a family of wanderers.

Most of the extreme minimalist bloggers are very attracted to the idea of a location-independent lifestyle, and thus tend to earn a living from something online – often blogging and/or writing e-books.  Although my husband and I want to stay in our current location for a very long time, we have been self-employed for eight years, and began transitioning our business to be online-only around the end of 2003.  These days, everything we do to earn a living is online and over the phone, which means we work only from home (or wherever we happen to be, if we’re not at home) and can be very flexible with our time.  This is far better than the days when we were slaves to our alarm clock and commuting back and forth to jobs we didn’t really enjoy.  And since we work from home using the internet, we do technically have a location-independent life… that’s why we were able to sell our house in the city and move to a small town last year.  While I might not be into the idea of constant travel right now, I do very much love the way we earn a living, and how flexible our lives are.  Stay tuned next week for an amazing e-book package aimed at people who want to pursue location-independent self-employment… it makes for a good lifestyle, even if you are perfectly happy staying in one location.

What I liked about the post from Minimalist Mom was the idea of appealing to the masses.  I don’t think that most of us really want to live out of a backpack and wander from one place to another long-term.  But I think that the idea of a peaceful, less cluttered life without debt is appealing to a whole lot more people.  People want less stress, they want homes that are easier to clean, they want more flexibility with their time, they want more financial stability.  Applying some of the ideas of minimalism (like getting rid of excess stuff, not over-scheduling ourselves, and spending our time and money doing things other than shopping) can help nearly all of us achieve a better lifestyle in some way – and it doesn’t mean that we have to ditch our beds and living room furniture in the process.  Simply being mindful of our purchases, getting rid of physical and mental clutter, and focusing on what we really want out of life will make a huge difference in our lives.

Thank You, And A Winner Of The E-book Giveaway

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Thank you all for the kind words you left on my post from Wednesday!  I’m about four months along, and Frugal Baby is due in early April.  We’re all very excited, and I’m looking forward to sharing our frugal adventures as a family of four.  So far, we have only purchased a car seat.  We will also buy a new organic crib mattress at some point, as we’re planning to have our son continue to sleep on his for quite some time.  Other than that, there is really nothing at all that we need.  Most of our newborn clothes are very gender neutral, although if we have a girl we’ll be on the lookout for some used clothing in larger sizes.  I’ve checked on Craigslist a few times and found huge lots of baby girl clothes for about 50 cents per item, so I have no doubt that we’ll be able to get everything we need very easily.  If we have another boy, we won’t need any clothes at all, as we have tons that our son has outgrown.  Some of his larger stuff is gender neutral too, like jeans and plain colored shirts that would work for a boy or a girl.  Almost all of the diapers that we’ve made over the last couple years are still going strong, so I doubt that we’ll need to make any more.  Now all we have to do is wait another five-ish months to meet our new little one!

There were 43 entries for the e-book giveaway that I posted last week, and I used random.org to pick a winner:  Cradled on the Waves, your e-book should be coming soon, directly from the author, Laura Cowan.  Congratulations!

I’m currently reading another great book about eco-friendly, frugal ways to raise a baby, written by the authors of Green Baby Guide.  When I finish it, I’ll be offering it as a giveaway too, so stay tuned.  And I hope you all have a great weekend!

An Amazing Three Day Minimalist Book Sale

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Over the last few months, I’ve recommended several great e-books from authors who are teaching people how to live happy, fulfilling lives without a lot of possessions or money.  But I’ve just found out about an amazing project put together by Karol Gajda.  For three days only (until Thursday, October 7 at 10am EST), he’s offering a minimalist book bundle worth $224 (if you purchased each book on its own), for $27! I have never seen anything like this, and I’m excited to dig into these books, as I haven’t read most of them yet.

Here’s what you get for a total of $27:

The Simple Guide to a Minimalist Life by Leo Babauta (regular price $9.95)

The Art of Being Minimalist by Everett Bogue (regular price $17)

Smalltopia: A Practical Guide to Working for Yourself by Tammy Strobel (regular price $27)

Simply Car Free by Tammy Strobel (regular price $9.95)

Unautomate Your Finances by Adam Baker (regular price $17)

Simplify:  Seven Guiding Principles to Help Anyone Declutter Their Home and Life by Joshua Becker (regular price $9.95)

You, Simplified Handbook by Charley Forness (regular price $5)

Project M-31: Simplify Your Life in 31 Days by David Damron (regular price $15)

Minimalism:  Seven Steps to a Simpler Life by David Damron (regular price $4.95)

Simple Health and Fitness by David Damron (regular price $9.95)

Simple. Minimalist. Life. Version 2.0 Deluxe Edition by David Damron (regular price $27)

The Minimalist Cleaning Method by Annie Brewer (regular price $9.95)

Minimalist Cooking – Take Back Your Kitchen by Meg Wolfe (regular price $4.95)

Living the Simpler Life by Sam Spurlin (regular price ($9.95)

Consume Less Create More by Brett Oblack (regular price $9.95)

Passionate Living Guide by Henri Junttila (regular price $27)

The Luxury of Less Special Edition by Karol Gajda (regular price $9.99)

These are authors who are changing the world with their ideas about living a simpler life, avoiding debt and consumerism, creating relationships with people rather than things, and minimizing our footprint on the earth.  And this is a pretty amazing deal.  Karol has sweetened it even further by pledging to donate all profits from the first 24 hours of the sale to Kiva to provide loans to entrepreneurs in developing countries. If you want to take advantage of this deal, here’s a link to the sale.

I’ve wanted to read a lot of these books for quite a while now.  But I’ll admit that my frugal nature has kept me from buying most of them.  They aren’t available at libraries, as they are e-books, and I can’t imagine a better opportunity to get ahold of them.  So I’m off to buy my set of books right now.  If you’ve been wanting to read any of these books, now’s a great time to get them.  Happy reading!  And thanks to Karol for putting this together!  You can check out all of his awesome adventures and ideas here.

Turning Clutter Into Cash

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For quite a while now, I’ve been a fan of Adam Baker’s blog, Man Vs Debt.  Adam and his wife Courtney got themselves off the work-spend-work treadmill, paid off $18,000 in consumer debt, and dramatically improved their lives.  They’re able to travel the world with their toddler, living out of backpacks with just a few possessions.  They no longer have an attachment to material stuff, nor a need to constantly purchase things.  I can definitely identify with that.

I started purging our stuff back in the spring, although I would say the biggest change I made was to stop shopping, pretty much entirely, for anything other than food.  We do still buy other stuff… right now we’re building a small fence in our backyard to separate our utility area from the rest of the yard, so we needed things like wood and concrete.  We realize that we’ll need to continue acquiring things like garden supplies, and clothes and shoes for our son as he grows.  But until about five months ago, shopping at the thrift store was one of my favorite things to do, and I went nearly every week.  I bought kitchen stuff, clothes for myself and our son, and random things that I liked but that we didn’t really need.  I never spent a lot of money – usually $10 or $20 per trip – but we did end up with a lot of clutter.

I stopped going to the thrift store (other than to drop off donations) sometime in April.  I haven’t purchased any clothes since then, or much of anything else besides food.  I did buy some canning supplies last month, which I consider well worth the small space they take up.  I’ve gotten rid of about half my clothes, sold a dresser that we didn’t need once we got rid of so many clothes, given away tons of stuff on craigslist’s free section (including a desk that was taking up a lot of space in the basement), and we even sold some higher value items like a snowboard and a unicycle.  But the vast majority of our stuff was simply donated to the thrift stores where I used to love to shop.  I felt that getting rid of the stuff was more important than getting money for it, and donating it was the easiest, fastest way to accomplish that.  Plus, most of the stuff had been used and inexpensive when we got it, so there wasn’t really any financial pain associated with letting it go.

But I realize that is not the case for everyone.  Some people have large amounts of consumer debt associated with their clutter.  Others might not have debt, but they remember spending a lot of money to buy the stuff in the first place.  And some people – especially in our current economic climate – truly need whatever money they can get from their stuff in order to be able to pay for food and rent.  For a lot of people, selling their stuff makes far more sense than donating it.

And that’s where Adam Baker comes in.  He’s recently launched Sell Your Crap, and it’s an excellent guide to getting as much money as possible in exchange for getting rid of the clutter that’s holding you down.  The book explains the Bakers’ personal journey to minimalism and a non-consumer life, and details the reasons why our junk is holding us back – and how to get rid of it.  He’s got two versions available:  Sell Your Crap – Barebones Edition has the Sell Your Crap e-book plus a comprehensive, 171 page guide to selling stuff on eBay.  Sell Your Crap – Clutter Crusher Edition also includes detailed guides to selling stuff on craigslist and Amazon, plus ten video interviews with bloggers and authors who are anti-clutter experts, and 30 days of email support from Adam.  Both versions also have a $100 effectiveness guarantee:  If you don’t make at least $100 selling your clutter, just email Adam and he’ll refund your money.

If you want to get rid of your stuff but also want to make sure that you get the most money possible for it, Adam’s guide is an excellent place to start.  eBay, Amazon and craigslist are overwhelming to a lot of people, and that can mean that people either donate stuff that they could easily be selling, or else the stuff just collects dust in a corner somewhere.  And with his $100 effectiveness guarantee, you’re sure to make significantly more getting rid of your stuff than you’ll spend on the guide.  For anyone who wants a kick start to getting rid of clutter and making some money in the process, Sell Your Crap is a great resource.  Enjoy!

A New Website Worth Checking Out

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I found a great website this week, and wanted to share it with you all.  Minimalist Moms is a source of down-to-earth inspiration for people with children who want to simplify their lives, reduce their clutter, and not be ruled by their attachment to stuff.  It’s a brand new blog, but so far, the posts have been great.

Most of the blogs that you’ll find on minimalism tend to be written by single people, or couples without children.  There are some exceptions, but the niche definitely appeals to younger, single folks.  Which is fine, but reading a bunch of blogs written by 25 year olds who live out of backpacks and wander the world might be so far from the realities of most parents that it doesn’t even seem worthwhile to consider minimalism.  So I was happy to find a website devoted to the topic and written by a mom.  Rather than trying to pare her possessions down to 100 things and move to a new location every few months, she’s focusing on minimalism as a way to get rid of the clutter (both physical stuff and time commitments) in her family’s life so that they can have more time for each other, and for the things that truly make them happy.

This post from yesterday is definitely worth reading.  Faith writes:  ”… if you don’t make a conscious choice in how you spend your time, then plenty of other things will come up to snatch it from you.”  That’s just what a lot of us need to hear.

Meet Smalltopia Author Tammy Strobel

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Tammy Strobel was featured recently in a NY Times article about how stuff doesn’t make us happy.  The article went on to explain that Tammy and her husband live very well (and are even able to contribute to family members’ college savings accounts) on $24,000/year.  I find that particularly inspiring.  There are lots of websites out there that talk about how the key to success and happiness is to increase your income in order to have more money available.  While that works for some people (and I can attest to the fact that we do enjoy our increased income now that we’re more than seven years into our self-employed journey), I believe that it’s a lot easier to cut your expenses than it is to grow your income.  And the end result is the same:  you have more money available for what really matters to you if you’re spending less on the stuff that doesn’t really matter.  For people who are interested in starting their own business, I would say that the absolute most important first step is to minimize your expenses (in both your life and your future business) as much as possible, so that your business has the best possible chance of being able to support you.

There are people who are perfectly content with their 9 – 5 jobs and find great fulfillment in them.  If that’s you – keep on doing what you’re doing!  But for people who long for more independence and flexibility, and would like to start working for themselves but don’t know where to begin, today Tammy released a new e-book called Smalltopia: A Practical Guide to Working for Yourself.  I just finished reading the book, and it’s an excellent resource for anyone trying to launch their own little business.  It includes lots of practical tips, ideas, and resources, along with personal stories and advice from numerous successful small business owners (I’m a big fan of real life stories, so I really appreciated that part of the book).  One of the overwhelmingly consistent ideas from just about all of them was that reducing your expenses is one of the keys to success.  Of course that really resonates with me, and it makes perfect sense:  if you set our to start your own little business and your lifestyle eats up $5000/month, your business is going to have to be pretty darn successful right out of the gate.  But if you only need to earn $1500/month to cover your expenses, you’re giving yourself a much greater chance of success, and reducing the chances that you’ll end up working 80 hours a week to make ends meet.

I’m a big fan of small business and self employment.  My husband and I started our little insurance agency in 2003, and it has supported us ever since.  We have used technology to our advantage, slowly making our business entirely an on-line entity by about 2007.  We do not ever have to leave the house for work anymore, and that means that we can work from anywhere we choose.  We would not have been able to pursue our dream of growing our own food if we had been tied to our former location by our jobs.  The fact that we can work from anywhere meant that we were able to find a home that met our needs without worrying about where that home was located.

Of course, not everyone is interested in growing their own food.  Some people have a dream of traveling the world, or volunteering full time, or starting a family, or living on a boat.  Your dream doesn’t have to be the same as anyone else’s, but it’s still worth pursuing.  And if you can lower your expenses, diversify your income, create flexibility in your schedule, avoid becoming a workaholic, and earn enough money to support yourself, you’ll be a lot closer to shaping your future around what you really want.

I could tell from reading Tammy’s blog, Rowdy Kittens, that she and I see a lot of things the same way.  I thought that my readers would be especially interested in knowing some of the details about Tammy’s happy, frugal life, and she agreed to an interview.

Tammy, thanks for being here with us today, and congratulations on the release of your new book, Smalltopia.

FB:  When you quit your job to become self employed, how much of a savings cushion did you have?

Tammy:  Before I left my job, we saved a year’s worth of our expenses (about $25,000). For anyone who is thinking of leaving a “traditional” day job, make sure you evaluate what your expenses are and what you really need. I also recommend reading, Your Money or Your Life and Unautomate Your Finances.

FB:  How long did it take for your own little business to be able to support you?

Tammy:  It took about a month for my little business to start making money. During the first month, I didn’t make a profit. But after I launched my first ebook, Simply Car-free, I was able to pay my bills. And slowly but surely I acquired more freelance writing and web design work.

FB:  People who are considering leaving their jobs to seek out something new are often very concerned about health insurance. Was that an issue for you, and what did you do about it?

Tammy:  Prior to leaving my day job, we thought a lot about health insurance.  I knew it would be risky to leave an organization that had such good benefits, but it was a risk I was willing to take. In my opinion, it’s just as risky to stay at a job you dislike.

Health insurance is a very complex topic and the type of plan you chose will depend upon your health and the risk you want to carry. I’m not an expert on this topic and strongly encourage folks to talk to a health care broker and examine a variety of health care plans before making any big decisions.

FB:  You’ve made a lot of downsizing steps over the last few years.  What changes would you say had the most impact on your ability to live so well on a reduced income?

Tammy:  By selling both my cars, I save about $12,000 per year. By going car-free we were able to pay off our debt and save a lot of extra money. And that gave me the freedom to leave my day job and pursue an unconventional career path. If I still owned a car, I would be saddled with debt, and stress.

FB:  If your income were to double overnight, would you make any major changes to the way you live now?

Tammy:  First, I would donate more of my income to charity. Second, I’d build a tiny house. Other than that, nothing would change.

FB:  What’s your favorite form of low-cost entertainment?

Tammy:  Having fun doesn’t require spending a lot of money or heading to the mall. Instead, I focus on doing things that make me incredibly happy. For instance, I love taking long walks in the park, going for bike rides, and doing yoga at home.

A few years ago I would have spent the day at the mall shopping, searching for happiness. Buying extra stuff didn’t make me happy and consuming more hasn’t done much for the planet or overall state of “happiness” in the U.S. Thanks to the ideas promoted by simple living movement I’m able to take advantage of beauty in everyday life. I’m satisfied with my possessions and I feel like I have enough.

FB:  What does an average day’s menu look like at your house?

Tammy:  Most of the time, we eat a lot of fruit, vegetables, grains, and bread. Lately, we’ve been making a lot of quinoa. It’s my new obsession. :)

FB:  Do you have any expenses that you consider splurges or luxuries, or do you focus entirely on the basics?

Tammy:  Sure. I think everyone loves to splurge once in a while. I love drinking coffee and eating out occasionally. We don’t eat out often, but I do spend a lot of time in coffee shops. So my monthly coffee budget is fairly large and I’m okay with that. :)

Thanks Tammy!  We definitely see eye to eye on a lot of things.  I’ve found that simple pleasures make me happier than any material possession ever has, and I can’t remember the last time I went to a mall.  You’re an inspiration, and I wish you all the best with your little business!