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On simply living. - Portrait of a Young Man as The Artist — LiveJournal
On simply living.
Finally have some one coming over to see the apartment tomorrow. Maybe we'll actually get a subletter.
I've worked 38 hours this week already. I'm going home early at 3 to start cleaning the apartment, including setting aside things to sell or give to charity.

This month, in a sheer act of anti-Americanism, I'm attempting to live simpler. I've knocked out some of my debt, eating some savings as a result, and really want to reduce the stuff intake I have had in the past. I'm hoping to save significantly better than I have and reduce my debt steadily - not necissarily quicker mind you, just steadily. I find that, unless I can wipe my debt in one fell swoop, I tend to lose track of my spending and increase my debt load. I either neglect or forget that I dolled out huge amounts or miss something I need to pay for and end up using a credit card. Stupid American financing.

<Side Thought>
The switch in emphasis from paper money to electronic currency has lead to the increase in spending adn increase in debt to most Americans. Think about how import your allowance was when it was tangible. I used to be very careful with that $10 I got each week for chores adn such. Now, I'm making 200 times that a month and am burning through it with gusto. It's ridiculous and I think patrially due to a divorce from what money really is as a tangible thing.
</Side Though>

Part of the transition, I feel, includes getting rid of much of the things I have that I deem useless (like tha panini grill gifted to me that I haven't even opened) or unnecessary. Movies I don't plan on watching, books I have read and won't re-read, computer software older than DOS, etc. It will be a purging spree. There are just so many things I don't care about or don't even use that are cluttering up our space.

Secondly, I'm going to carry a notebook with me to monitor any spending at all. I have budgets for things, not including standard bills, that I mostly ignore. Though Wells Fargo gives me free reports on where I spend my money now, so in retrospect I can see to where it all goes. After the fact doesn't help much, I need current, over-time data. Plus, I'm hoping to re-associate myself with money as an object, and entity to care about.

Hopefully, I'll be able to triple my savings next month - but that's assuming I don't spend a dime on non-necessary or "semi" necessary things. See, the occasional Barriques latte is semi-essential to me. :) We'll see where I am at the end of the month. And maybe I'll actually read like I said I was going to in January.

Does shopping give you a sense of self-satisfaction?


(for more in depth of a poll, see fridaypoll)
I also use the word "crazy" too often, so much so that my coworkers have picked it up. Time to move on...
Main Entry: crazy
Part of Speech: adjective
Definition: strange
Synonyms: ape, barmy, batty, berserk, bonkers, cracked, crazed, cuckoo, daft, delirious, demented, deranged, dingy, dippy, erratic, flaky, flipped, flipped out, freaked out, fruity, haywire, idiotic, insane, kooky, lunatic, mad, maniacal, mental, moonstruck, nuts, nutty, potty, psycho, screw loose, screwball, screwy, silly, touched, unbalanced, unglued, unhinged, unzipped, wacky, whacko

Current Mood: contemplative contemplative
Current Music: Rammstein - Das Alte Leid

6 comments or Leave a comment
lady_fox From: lady_fox Date: March 31st, 2006 03:02 pm (UTC) (Link)
Use Cracked instead. I like that one.
nathan_lounge From: nathan_lounge Date: March 31st, 2006 05:00 pm (UTC) (Link)

I Could Be Jim Krammer's Sidekick

I big central PA BOO-YAH to you mr. Ringland.

The first step to financial success is having an understanding and control over where your money goes. Living freely and living wrecklessly are two different things.

Why the realization and moement towards reductivism? I wholely support such things, I'm just curious as to why now.

Interestingly enough I feel the opposite way about money. When I have paper money, I'm more likely to dole it out without thinking and then be shocked and sad when my wallet is empty. It's why I stopped carrying paper money all together. When my money is electronic, it's a matter of points in a game and I start thinking stratgically about it in the same way that I do about games.

That's the other great thing about electrofying your money. It can set you up with some sweet investment opportunities. Here's a really simply thing that you could be doing (just to demonstrate how easy it is): lets say you want to save 18% of your money each month. Rather than just not touching the 300 bucks or whatever, have your online billpay system automatically transfer that money to a flexible money market account upon deposit. For example, Paypal, of all things, has a money market feature (performing at 4.2% last I checked). Just transfer some case to your paypal account every month automatically. You can actually establish the opposite effect where you get into the rhytme and forget about it till some months later when you realize you have a giant sack of money squerrled away. Likewise, the internet lets you put your cash into CDs, muteal funds, and even real-time market trading if you want to take an active hand in what your money is doing.
lady_fox From: lady_fox Date: March 31st, 2006 05:32 pm (UTC) (Link)

Re: I Could Be Jim Krammer's Sidekick

Wow. I had no idea. Thank you. I did the paypal money account thing... :)
nathan_lounge From: nathan_lounge Date: March 31st, 2006 05:52 pm (UTC) (Link)

Re: I Could Be Jim Krammer's Sidekick

Look for my series of "The More You Know" commercials telling all kinds of useful life lessons.
lady_fox From: lady_fox Date: March 31st, 2006 05:54 pm (UTC) (Link)

Re: I Could Be Jim Krammer's Sidekick

See... You've really got this whole advisor role down... You should make mad sacks of cash from it.
annan_dum From: annan_dum Date: March 31st, 2006 08:15 pm (UTC) (Link)
Well, I answered "yes" to your poll, but that requires an explenation: I feel satisfied when shopping - the majority of the time - because a) I only buy things I need and I like that feeling of efficiency, or b) I'm buying a gift for someone else and what on earth could be more satisfying than the happy squiggly feeling in one's tummy anticipating pleasing a loved one with a perfect gift?
If you want notes on living simply, you should talk to my lover; Charles doesn't even have FURNITURE. ON PURPOSE!
6 comments or Leave a comment