No Spend 2021

IMG_7400

Simon looks a little irritated he cannot reach the birds he sees out the window.

The pandemic has been playing havoc with everyone’s finances. It has been at least a decade since I have had this much difficulty making ends meet. One of my favorite bloggers, Courtney Carver, has a saying “instead of trying to make ends meet, focus on having fewer ends.” To accomplish this, I am going to institute a no spend 2021.

No spend challenges are typically trials that last for a short amount of time. Most people will institute a no spend challenge for one month or maybe three months. If successful with the short term challenges, sometimes they are extended for a year. It is an extreme method of trying to bring finances under control and save money. 

Given that I have been paying 3-4x for food in the pandemic and have been having challenges meeting my basic needs, I feel it is necessary to institute a no spend challenge for the entire 2021 calendar year. On top of the struggles I am already enduring, we are scheduled to begin repaying our student loans again in January. The relief from student loan payments for the pandemic will be ending unless the new administration decides to bail us out of our student loans.

Given that I am instituting a no spend challenge, I can tell you right now, that if you are looking for people to stimulate the economy, it’s not going to be me. I do not have enough disposable income to stimulate the economy. Disposable income is an oxymoron in this pandemic.

No spend challenges look a little different for everyone. Each person who does a no spend challenge has their own rules. It’s best to use the rules that work best for you. 

Here are the rules for my No Spend 2021:

  1. Only pay for needs. This includes things like mortgage, electric, gas, etc. While they are primarily fixed expenses, I am doing my best to try to decrease each one. For example, I have lowered my heat 3 degrees this winter compared to the temperature I had my thermostat on last winter. Yes, we are cold. But I can’t afford heat. I have to cut back.

Reducing fixed expenses is something I have been working on over a period of time. 

Over the years as part of my minimalist journey, I have made some behavior changes that have served to decrease my fixed expenses. Some of these include my movement away from paper products towards reusable items. If I am not buying disposable items, then I am saving money. Examples of this have been my transition to cloth handkerchiefs, cloth feminine hygiene products, replacing paper towels with cleaning cloths and cloth pee rags.

  1. The only expense I have that is not fixed but is still a need, is food. More on my food strategy will be coming in another post.
  1. Beyond needs, the only purchase I am authorizing for 2021 are new running socks. First, even though last year I updated my regular socks, underwear, and bras, I did not update my running gear. In fact, what I typically do is “retire” something from everyday use and start using it for running. This combined with the fact that I am very rough on running gear means that my socks are either threadbare or full of holes in the toes and heals.

Instead of just spending $20 on a package of 6 white socks that will probably only last me one running season, I have decided to invest in 6 pairs of Darn Tough socks. I anticipate that the Darn Tough socks will hopefully last me 3 running seasons instead of just one. Plus, with their replacement guarantee, it is totally worth the investment. I love supporting small American businesses, especially during this time. If I can support a small business even during a no spend year, then I am going to do so. So I will be saving money and trying to gradually replace all my running socks during 2021 with Darn Tough socks instead of a cheapo white 6-pack. 

The Goal

My goal with a no spend year is to replenish my savings that has been completely decimated by the pandemic. Not only is my savings gone, but I have had to use my credit card for groceries, so I need to get that paid off. 

My no spend 2021 will hopefully help me pay off the credit card and get money into my savings. I need savings to be able to cover house maintenance, car maintenance, and cat needs. So obviously, those three items are not included in the no spend year. 

For many people, instituting a no spend plan is very hard. Many people spend money on books, clothing, take-out coffee, prepared (not grocery – prepared) food delivery, etc. If you are one of those people, then it is going to be more difficult to institute a no spend plan because you are going to feel like you are giving something up. That’s because you are giving something up. No spend challenges are hard. That’s why it’s a challenge.

While an entire no spend year may seem extreme and overwhelming, try a no spend week or a no spend month. If you try a no spend week and it seems too painful, you can always stop. For me, a no spend year is a financial necessity in the pandemic. I do not have any disposable income and I really need to get money back into my savings account to cover any emergencies that may come up (on top of the global pandemic we are all experiencing). 

 Have you ever tried a time period of no spend? How did it go?

Old Habits Die Hard

IMG_1546

Simon in the window enjoying fresh air.

In times of stress, it is common to fall back on our coping skills. Some coping skills are positive and some coping skills are negative. As we age, we gradually replace negative coping skills with positive coping skills. When you know better, you do better.

Some coping skills are not necessarily negative, but there comes a point when a particular coping skill is no longer needed because you have overcome the problem. Either the life situation has changed so that you do not have that problem anymore to require a coping skill, or you have adapted to the situation in such a way that it is no longer a crisis which prompts coping skills.

This coronavirus pandemic is unlike anything we have ever lived through before. It is prompting all types of coping skills in people, myself included. 

I keep trying to find something to equate to our current situation. After all, the beauty of coping skills is that if they work for one crisis, they will probably work for another.

I spoke earlier how the pandemic is worse than when I was in New York City on September 11. I stand by that statement. At least in 2001, one could leave the City and escape somewhere else where life was still relatively normal. In this pandemic, there is no escape. It is pervasive. It alters our daily routines, habits, and life. It even alters our homes, which is the place of sanctuary for many. Your home is like your lair where you can freely be yourself, and now your place of refuge is being invaded by “working from home.” 

In trying to somehow wrap my brain around this pandemic and what it is doing to life, the only situation with which I can equate the current situation is when I was homeless. Even that is not completely accurate. The only parallel between homelessness and the pandemic is the stress and the scarcity. Trying to figure out how to get food and basic supplies. Other than that, the comparison is an oversimplification. I have someplace safe to live with my family. The only challenge is how to get supplies safely.

Below I am going to outline three coping skills that have made a resurgence for me in the current crisis. I honestly never thought I would have use for these coping skills again. I thought I had finally gotten to a point in life where they are no longer needed. I thought wrong. 

Old Habit # 1 

Toilet paper. Oh, yes, you knew I was going there, didn’t you? Toilet paper is the story of my life. When I was growing up, I would have to make one roll of toilet paper last 4-6 weeks. Now, due to the coronavirus, I have decided I am going to do the same.

I am going to make a 12-pack of toilet paper last for an entire year. I am probably going to be doing this until I die. 

Buying one 12-pack of toilet paper each year saves money. By using less toilet paper, I can take the $5 or $10 I would have spent on toilet paper and use it instead to purchase food. Yes, our economy is that decimated. Food shortages are pervasive and real.

I am supplementing my one roll of toilet paper per month with cloth baby wipes. Some people may complain that this creates more laundry. They are small. I do not think it creates more laundry. Plus, now that I am wearing pajamas twice instead of once, there is “space” for the cloth baby wipes because I am going through less pajamas.

In fact, I am actually saving water by using cloth baby wipes for pee. I flush my toilet less. When I use paper toilet paper, I typically flush the toilet every 2-3 uses so that the toilet does not get clogged with the paper. Using cloth baby wipes, I only flush the toilet once or twice per day. There is no paper in it, unless there is # 2, which gets flushed immediately. 

Old habits die hard: I am only using one roll of toilet paper per month, similar to when I was growing up and would have to save the nickel change from food stamp purchases to be able to afford one roll.

Old Habit # 2

When I was in grad school, I would work Tuesdays through Saturdays instead of Monday through Friday like all of the other executives in my office. My grad classes were on Mondays, so this worked well for me. Weekends were Sundays and Mondays. I loved it. 

It was also nice having a weekday off, because if I need to schedule a doctor or some other appointment, I could do so without having to take off of work. The only challenge was that some places are not open on Mondays. For example, I remember I could never get my hair appointment on a Monday because the salon was closed on Mondays.

Trying to work from home during coronavirus has been a challenge due to little to no internet service. I type things into google docs so that I can copy and paste into an email when I do have internet service. I hope that I can get things in fast enough to be able to send the message before I lose service.

Also, being that I am in the high risk group, I am extremely apprehensive at returning to the office and being surrounded by my coworkers who have many many more exposures than me. I do not feel that is a safe situation. I can only control myself. I cannot control people around me.

I have asked to change my current work schedule from the Monday through Friday back to the Tuesday through Saturday format, and it is going great! I actually get decent internet service on Fridays and Saturdays so I am able to get more work done. This is in contrast to Mondays, where I spend all day waiting for one web page to load, and it may not even be the web page I need. 

Also, if I do have to go into the office, which I did this past weekend, I have the entire place to myself. I can get things done with minimal exposure. I have always worked well independently.

Tuesday – Saturday work reminds me of when I was in grad school. Summer 2015 was one of the best summers of my life, so there are good memories of this work schedule. I feel good.

Old Habit # 3

 Make do or go without. This was the mantra of the Great Depression and it is again the mantra of the Great Depression part 2. It was also what got me through the 4 months of hell when I found out my rent on my apartment doubled (with 2 weeks notice) and I was trying to buy the house.

I have spent so much money on trying to get food these past two months that I have completely blown my budget. It’s different when you have to have other people shop for you and then reimburse them. It’s also hard when you are trying to keep a week’s worth of extra food on hand in case people can’t get to you right away. I am dependent on when other people go to the store.

I do not want to ask people to go to the store for me because then they are putting themselves at risk for me. So I’ve been telling people to let me know when they are going to the store for themselves and I will just add to their list. 

Throw in multiple food allergies to that mix and the food shortages of food allergy specialty items … well, it’s been rough.

So my mantra is to make do or go without. I literally have no extra money to spend on anything. If you are expecting me to “stimulate” the economy, forget it. The only thing I am doing is paying my essential bills and food.

To this end, I have cut out all non-essentials. That includes hair cuts. Hair salons are still closed right now anyways, and even when they do reopen, I do not feel safe enough to go back. 

I am going to isolate and socially distance myself for a very long time until I am sure this is over. It could be years, and I am okay with that.

This means I will be cutting my own hair. 

Previously, “make do or go without” meant that I only had my hair cut twice a year. My hair was really long – down to my butt. What I learned was that only getting it cut twice a year saved me money but was horrible for my hair. My hair ended up so damaged that I ended up having to get it cut into a bob. 

Many people have said that I should grow out my pixie and that I can save money on haircuts by just letting it grow long again. The problem is, that is not healthy. Plus, long hair is a major pain. Now that I have had a pixie, I am not going back to long hair again.

I finally got a pair of clippers and buzzed it off. The clippers were $60. Since I usually pay $50 for a haircut, it will only take two hair cuts for the clippers to pay for themselves. If I do not go back to the salon and continue to do my hair myself, that is money saved I can use for food.

It is going to be a very long time, possibly even years before I will feel safe enough to go back to a salon, to be honest. Make do or go without. I am making do by cutting my own hair. I will go without the salon. 

Another way in which I am making do or going without is air conditioning. I still do not have enough money to get air conditioning for my house, even though it is medically necessary. Heat exacerbates my neuro symptoms. I have to go without, so I am making do.

We are supposed to get a heat wave later this week. I do not have money to buy any more black-out curtains for the windows, so I am going to go ghetto and tape towels and blankets over windows in addition to the curtains I do have. The more I can block the light, the cooler it will be in the house. Or, at least, I hope so. We will see how bad my neuro symptoms get. 

I am making do and going without air conditioning because I can’t afford it, no matter how medically necessary it may be.

What old habits do you have that have come back to help you cope with the pandemic?  

 

The Toilet Paper Chronicles, Part 3

IMG_1222

Daffodils finally came up that I planted last year

Ok, ok. I am starting to have melt down over toilet paper. Can you blame me? Do you know how I grew up? (homeless and without toilet paper – read the Toilet Paper Chronicles, Part 1). 

I think I held up pretty well under the circumstances. I typically have one open package of toilet paper and one unopened package of toilet paper for back-up. When the doctor told me I am no longer allowed to go to a grocery store or pharmacy last month, I had one open package of toilet paper that was about halfway gone with no back-up.

When the toilet paper that I had ordered online 4 weeks ago arrived today, I was down to 2 rolls. 

Granted, I did have back-up. I have a box of kleenex. I have been saving my newspapers instead of recycling them. I also took one of our fleece blankets and cut it up into squares. I even went so far as to order cloth baby wipes off of Etsy last week. They arrived way quicker than my toilet paper and feel like heaven.

Yes, I have gone to the dark side of using cloth toilet paper for pee.

Yes, it sounds gross. But my mother, and many other mothers out there, cloth diapered their babies. If you can use a cloth wipe on a baby, why can’t you use one on an adult? I was reserving the rolls of toilet paper I had left for # 2. That’s what toilet paper was used for when I was homeless as a child. It was the only way to make one roll last a whole month (or for as long as you could). 

The toilet paper that I had ordered online was actually commercial toilet paper. All household toilet paper is out of stock both in stores and online and has been out of stock for the past 4 weeks. So when I was on the internet a few weeks ago, I ordered the large 9-inch commercial rolls from a website that services places like restaurants and gyms. It was the only toilet paper I could find.

I don’t care that the large 9-inch rolls will not fit on my little dispenser. Toilet paper is toilet paper. It works no matter what size the roll. 

I am still going to be conservative with my toilet paper and ration it for # 2, just like how we used to do when homeless. I am going to use my cloth baby wipes for # 1. It’s just like camping, really. I mean, have you ever peed outside? What do you do then? 

My goal is to make the 12 rolls of toilet paper I have last for  6 months or more. Or, at least until the world stops losing its collective mind over toilet paper. I get it. I really do. There is not much we can control right now. We can control the numbers of toilet paper squares we use. 

I guess I have now officially switched almost all of my paper products to cloth. First it was cloth handkerchiefs, then cloth napkins, then cloth cleaning rags. Now it’s cloth baby wipes. Anyone else have experience using cloth toilet paper / cloth baby wipes for pee?