Mar 192013
 

Jeff mentioned the other day about preserving food without canning. Something about how they liked to make jam, but not eat it.

It reminded me: I need to join a CSA this year! So, thanks, Jeff, for kicking me!

CSAs, at a Glance

CSA stands for community supported agriculture, and it’s basically like buying shares in a company, only these shares are edible. You give the farmer x dollars for the season, and they are buoyed by the early support (winter is a lean time for farmers) and assume some of the risk. In other words, you don’t get your money back if the strawberries fail. This helps the farmer innovate — they’ll try out new crops when money is a sure thing.

And it’s cool for the consumer, too.

We all need more vegetables in our lives. Yes, even you. But sometimes we need a trick to make sure we’re eating super local, in-season produce all throughout the growing season.

That’s where the CSA comes in. I did some research and ended up signing up with Winter Green Farm. I’m splitting with a coworker, so for $267.50, I get fresh vegetables and fruit for 19 weeks of the growing season, with the option to extend, for extra money, later this year.

Then, just because I couldn’t resist, I joined a berry-only CSA. That means, for ten glorious weeks, I’ll be getting two full pints of fresh berries! The farm told me that was usually just an add-on, but since I was at least getting a veggie share from somewhere, they’d let me have berries only, which is good, because I don’t want to share with my coworker. And she doesn’t like berries anyway.

Updated to add: if you want to look for a CSA in your area, go to Local Harvest. It’s an ugly site, but it’s effective, and it’s where I found mine.

In Other News — New logo!

Those of you who read on your phones might not have noticed yet, but I made a new logo and changed the look of Frugal Portland, again. Now you can always see my face (lucky you!) and the new cute logo I made (with serious style tips from Shannyn!).

It was inspired by this sign:

White Stag Sign

via Wikipedia

And here’s my rendition:

Frugal Portland's logo

new logo!

I like it a lot! I also like playing around with logos, though, so I can’t guarantee this one will be around forever, but definitely for now.

Things just got a lot more girly up in here.

I’m really excited about the CSA. I skipped it last year, because the year before, my coworker and I split it and I was out-of-town too much to enjoy it (and we also got two pounds of potatoes a week — who can eat that many?) and I thought I’d just go to the farmers market more. I did, but I don’t think I ate as many farm fresh vegetables as I could have.

This year, though, I set it up so that I was picking up my share directly from the farmers market. The farmers market is a really fun place to people watch, as well as buy food directly from the producer. I don’t get there as often as I’d like. Not anymore! Now I have to go, even just to get my CSA share.

Would you join a CSA? Have you done them before?
Feb 202013
 
Frugal Portland's new bicycle

my new bicycle, locked up for the first time!

Last weekend, I did something on impulse that I’d been considering for ages. I bought a bicycle.

I grew up in a suburban neighborhood, so my childhood was filled with bike rides that dealt very little in traffic.

But, I live in Portland. Which, for those of you who don’t know, is a bicycle mecca. It seems like we have more bikes than cars on the road, and it is sometimes easier to find parking than a place to lock your bike.

For the last year, I have lived just over a mile from my office.

I walk to work about twice a month.

All other trips were in my car.

This is absurd. Bad for the environment, bad for my health, not awesome for my wallet. All of those things.

I was paralyzed with too many options. In Portland, it seems like bike shops outnumber coffee shops, even. Some have dorky bikes. Some have designer bikes. Some have used bikes. There were just too many options, it seemed.

I talked to a friend, who said he had a bike he never used, did I want it?

He brought it over, and said I’d have to take it somewhere to get fixed, because the tires were deflated. I might even need new tires, he said. So I asked my landlord where I should take it. She mentioned a shop five blocks from the house. Walking distance was key, since this thing could not be ridden.

My Experience at A Better Cycle

I walked to A Better Cycle and told the guy behind the counter that I would like to get my bicycle in riding condition. I told him I was new, and needed all the help he could give.

He started pumping my tires, but he didn’t look happy with the bike I brought in.

“This is a cheap department store bike from 20 years ago,” he said. “It’s a heavy mountain bike, and I think you’ll hate riding a bicycle if you try to make this your daily transport.”

I’d had a feeling that was coming.

So, I asked him what he could do.

He asked my budget, and I said, “Ideally, I wouldn’t spend more than $500 on everything: bike, helmet, lights, lock…” I trailed off.

“That’s going to be tough to do.”

In for a penny, in for a pound, I thought. “Okay, how about we find a bike that is around $500 and not spend more than $150 on everything else?” I asked.

Turns out, a) I picked the right place (there are probably hundreds of right places here, but something felt right about a worker-owned cooperative bike shop, and, the clerk, Ian), and b) I picked the right season to buy a bike. They were having a sale: 25% off all new bikes, plus 20% off any accessories you buy on the same day that you buy your new bicycle.

The first bike he showed me was too small. Or so he said. It made me feel big to have an adult bike be too little for me. But the second one was perfect.

“This one’s a hybrid,” he explained. I asked, “oh, does that mean it has a motor?”

I think that’s when he realized just how much a beginner he was dealing with. But he was super nice, really helpful, and adjusted the bike to fit me.

He asked if I wanted to take it for a test ride, to see if I liked it. “At this point, it’s not so much a matter of liking the bike. That is, I won’t know if I like it because they do say that it’s like riding a bicycle, but it’s been so long, so I’ll just have to trust you.”

Frugal Portland's new bicycle

hello, gorgeous!

Half an hour, and $610 later, I rode off on unsteady legs. Ian sold me new pedals, lights, a lock, a cool helmet and a bicycle, and the bike already had fenders and some metal thing that I’m supposed to bungee cord a bag (or more likely a milk crate) to, though I’ve not done this before.

Bungee cords aren’t yet my thing either.

And now it’s a part of my routine. I’ve ridden it every day to work, and carrying my stuff around in my backpack instead of a cute purse or something.

I love it. My only regret is waiting this long to finally buy a bike, but I think that on a deep subconscious level, I was waiting to pay off my student loans.

Will a bicycle replace my car?

Since my only remaining debt is my car loan, I’ve spent the last several weeks contemplating whether I should keep the car or get rid of it and be a true cyclist. You know, the kind that does everything on their bike. Maybe they have a bus pass, or they live with someone who has a car. Or they bum rides off people.

I’m going to explore some car-sharing solutions in another post, but for now, I don’t think I’ll be selling my car.

I am a product of my environment, and the girl who grew up in the suburbs is having a difficult time with the idea of not having a car at all.

However! Just as some bloggers track their “no-spend days” as a way to keep themselves accountable to their budgets, I will start tracking my “no-drive days” to pat myself on the back every time I keep the car parked all day.

This $610 payment was the most I’d spent on anything since I bought my car 2.5 years ago. It felt a little icky, to be sure, knowing how hard I work for that money. But sometimes, even us Frugal Portlanders have to spend money. I know that this is ultimately the frugal choice, anyway. I’ll save money on gas, parking, insurance, parking tickets, getting towed, all of that. So it’ll pay for itself in about six months.

Not to mention the extra bit of exercise my body’s getting now that I’m using my legs to transport me somewhere.

Jan 282013
 
Thanks for the feedback on last week’s post — it was much appreciated! If you want a peek at my finances, I’m getting naked with them over at Consumerism Commentary. Check it out, and give feedback, please!
Frugal Portland goes to Pleasant HIll

this is what it looks like in Pleasant Hill

This time of year is commonly known in these parts as get-out-of-Portland weather.

My friends were in Mexico a couple of weeks ago.

My boss went to the big island of Hawaii.

My coworker went to Maui.

My other coworker went to San Diego.

It’s gray, cold, and grim out there. So, to keep up with the Joneses, I booked my ticket.

To sunny Pleasant Hill, Tennessee. Haven’t heard of it? I’m not surprised. It is on the Cumberland plateau, two hours east of Nashville. It has one blinking traffic light, an elementary school, and a “grocery store” that’s open from Wednesday to Saturday.

I didn’t want to go somewhere exotic, I wanted to spend time with one of my favorite people on the planet. My Nana is my mom’s mom, and we have a special bond. I love hanging out with her and her little dog Nubbin, and we always have a lot of fun.

I was born in Nashville, and even though I moved before my third birthday to the Pacific Northwest, it feels like Tennessee is a part of me, and it’s really calming and relaxing to go visit.

We spent time driving, doing things that I’d imagine I would do if I were Nana’s age. We ran the errands that suck to do alone. And we had fun!

Pleasant Hill is near the booming metropolis (pun intended) of Crossville, Tennessee, where my mom grew up. They have an amazing (no pun intended) playhouse, and I love going to see plays whenever I go. This time, we saw Steel Magnolias, which is just like the movie, except it only occurs in the beauty shop. Then we met up with family to have lunch and talk about how excited they are to come to visit Portland for the big upcoming wedding on New Year’s Eve.

I call this weekend a conscious spend, but between my mom buying my airplane ticket, and Nana paying for absolutely everything while I was there, I’d call it a frugal win, too! I suppose that makes sense. Go visit family if you don’t want to spend a bunch of money.

There are several things that tickle me about being in Tennessee, and I’d like to share them.

In Tennessee:

  • When you turn on your rental car, there will always be gospel music playing. It surprised me the first time, but not the second. I guess there’s a reason there are 19 gospel stations on the radio.
  • You must specify that you want your tea unsweetened. And, even if you go to a restaurant that calls itself a “tea room,” you are a weirdo if you ask for hot tea. Even when it’s 34 degrees out. You will feel like a dolt, for sure, but then you will remember that it’s winter, and iced tea is a summer drink.
  • You will talk to more strangers than you are expecting. This is the land of southern hospitality, people. So if you don’t feel like being friendly, don’t go out. When you do go out, just be nice and make pleasant conversation.
  • Enjoy the churches, the church signs, and the other random religious billboards. One of my favorites, which Nana selectively decides not to see (survival mechanism!) says, “Evolution is real?” and has a quote from Romans.
  • Actually, go to church on Sunday. Make sure you tell people who ask why they haven’t seen you before that you are visiting from out of town. They will make you feel exotic. Enjoy this, but remember, you’re really not that exotic.
  • You will get constant reminders that you are in a “red” state. Example: if you are driving on the day of the presidential inauguration, and you decide to give up on trying to listen to the coverage, and turn it to a country station, you will hear some sort of joke about how all Obama does is party. You will remember how lucky you are that you live in a place where that sort of thing isn’t just rare, it’s downright unheard of.
  • You will appreciate how open-minded people at home are, and that’s reason enough to leave Portland and come back.
Jan 142013
 

The Frugal Portland Philosophy

As I continue writing in this space, some of you continue reading. And for that, I am shocked, amazed, and most of all, grateful. Now that I’ve been writing week after week for over a year (that’s 300+ posts for those of you keeping track!) I realize that not only have I found my voice, I’ve developed a personal money philosophy. This is ever evolving, to be sure, but the following themes appear with consistency.

My dad's English Setter

Don’t like lists? Here’s a picture of my dad’s English setter

Want to see if you and I are similarly minded? Great! Let’s call this a quiz, shall we, and score yourself one point for each of the following you agree with. Scores 5 and higher will get along with me quite nicely.

  • Rather than paying interest to lenders, as much as possible, money should be earning interest for you. Get out of debt. Especially high interest debt such as credit cards. At one point I was paying 25% interest on my credit card, and the balance was above $15,000. It makes me sick to think of all that money I paid, for nothing.
  • Student loans aren’t meant to be kept around forever. If you’re lucky enough to be paying something under $200/month on your student loan, double it. My student loans are charging me a relatively low interest rate, at 4.125%. However, it’s highly unlikely that I’ll be seeing those returns in an investment, so it’s better to just get rid of them entirely and not think about it.
  • Don’t pay retail for most things. High-end clothing is not worth the price you pay. Neither is cheapo clothing that only lasts one season. I do much better buying good brands at the used clothing stores than I ever would at big-box stores.
  • Buy local, as much as possible. Credit unions, not banks. The local grocery store, not Safeway. Little box stores, not Target. American made, not Chinese.
  • You don’t need a budget. Budgets are like diets, and for some reason, both lead to cheating. Just like one piece of cheesecake is not a good reason for four more pieces of cheesecake, spending more than you budgeted is not a good reason to throw it all out. Instead of a rigid budget, though, you’ll do much better if you have goals, and not much money sitting around in your account from month to month. Make yourself feel like you’re living paycheck to paycheck, then you won’t feel like you can afford little indulgences here and there. Be nice to your future self.
  • There is a difference between frugal and cheap. You have to figure out where the line is for you. If you can’t live without designer shampoo, don’t. Live without something you don’t care about instead.
  • Be nice to yourself. Say nice things in your head. Do not beat yourself up about past mistakes. Instead, reflect and move on. Do better this time around. Self deprecation is not your brand of humor. If, when you trip, you tell yourself, “I’m an idiot,” you need to do better with this point. This will take some time.
  • Don’t compare your life to someone’s salary. And, for heaven sake, don’t take a job just for the salary. You’ve seen it before — people get trapped by their high incomes. Strive to be excellent in your career. Happiness isn’t found in an extra zero of income.
Nov 262012
 

Part of the Frugal Portland philosophy is to always give to those in need. It’s important to me, and I don’t judge others who don’t share my philosophy. It helps me remember why money is important, and helps me focus on money in a way that isn’t greedy and capitalistic. Financial goals are so fluid, and giving to nonprofits and charities will never be more important than saving for a house or investing in something, so for me, it is important to start now, and make giving an automated part of each month.

One of my resolutions for 2012 was to get to the point where I was giving $100/month to different organizations, and I am happy to say I have accomplished that in a combination of real dollars and volunteer hours.

Here are the nonprofits to which I give a bit of money each month:

  • Oregon Public Broadcasting. I listen to this radio station daily, and appreciate the content as well as the lack of commercials. I don’t really count this as charitable giving, since ten bucks a month is a small price to pay to never have to hear what’s on sale at the cell phone store.
  • Farmers Ending Hunger. This is very close to my heart. It’s an organization that enables farmers (through donation) to set aside a small part of their crop for the hungry. That way, fresh produce is attainable for even those who are down on their luck. Oregon is a place where many (many!) people are living just above the poverty level and have to get emergency food boxes from the food bank to make it through a lean month. I like giving money to an organization that makes sure that there’s fresh, locally grown food in those boxes.
  • Oregon Humane Society. I’m a full-fledged volunteer now and I go over there to walk dogs about once a week. It’s a really cool (though really out-of-the-way!) humane society, and it’s heart warming to go walk dogs and scratch chins for an hour or two.
  • World Vision. The only non-local charity that gets a few of my dollars. This is one of those sponsor-a-child charities that has those commercials on TV that really pull at your heartstrings. I opted against choosing a child and give ten bucks a month to their area of highest need. That way, they save money on whatever it costs to put together some sort of packet about a child, and I don’t have to worry that they are fabricating things or spending the entire amount of my monthly donation on color picture packets to send back to me!

Giving gets a lot easier with the Willamette Week’s Give Guide. The Willamette Week (pronounced “will-am-it”) is a weekly alternative paper that does much more than list concerts. Their journalism is top-notch, which is impressive, given the paper’s price (free). Every year, they thoroughly research all these local do-good organizations, and put their stamp of approval on some. Then they have incentives for donating during a certain period (though the list stays live until they start doing research for next year).

I like the way it’s laid out, because you can sort by issue, and give to those issues that are closest to your heart. You can browse, and then when you’re ready, you can click to donate. I’m adding Literary Art, a nonprofit that focuses on teaching writing to students, to my list of nonprofits, and I’m doing it before 12/31, because there are a bunch of incentives! The $500 level gets the giver a donation of beer and coffee (how Portland!) but I’m not feeling that flush, so I’ll be donating at the “get a coupon card” level.

They’ve raised over $300,000 already, and it’s still November. I’m excited to be a part of those numbers. It’s my contribution to Cyber Monday.

Where do you give?