May 092013
 

I’ve written in the past about SaveUp, but it was a long time ago, so I’ll recap: it’s the gamification of saving money and paying off your debt. So you get a point for every dollar you pay off on a credit card, and a point for every dollar you put into savings.

You can trade points for plays. You get three plays a day, free, and 100 points gets you an extra play. You can spend 500 points a day to get yourself eight plays.

What can you win? Well, there are different levels: small and big, and different chances of winning, accordingly.

My SaveUp Strategy

For a while, I thought I’d go big. I mean, who doesn’t want a $50,000 dream vacation fund? Terrorists, that’s who. But the odds are way lower (of course). So I switched my strategy, and won!

Frugal Portland wins a Victoria's Secret Gift card from Saveup

oh hi, angel.

There are always new $100 gift cards for various things, and a few weeks ago, I saw one for Victoria’s Secret. My strategic brain got to thinking. Okay, that’s a more narrow potential pool, I thought. I’m going to go for that. So, SaveUp, unlike real investing, is a place where it is a good idea to put all of your eggs in one basket. The plays are free, and you have a better chance of winning when you just throw all of your plays into one low-payout prize, so why not go for that? Go for ones you’re interested in, but also think about the ones that are highly boring to other people. Right now, I’m going for Trader Joe’s, which I think is universally appealing, but it still would be nice to have free groceries* for a little while.

A few days later, I get something in the mail that makes me feel important. Someone sent me certified mail! I have to go to the post office (conveniently located five blocks from work) to go get a package! Turns out, SaveUp were just covering their bases so that someone wouldn’t take my hard-won prize.

Over the weekend, I went shopping. One of my favorite pastimes is going to Victoria’s Secret and pretending I can buy anything I want. I load up the cart. I add things with abandon. Nothing is out of reach! I am going to get everything!

This time, I actually did get to spend without thinking too much. However! It does not take much to reach $100. I had about $140 in my cart.

Enter RetailMeNot

Next, I went to RetailMeNot to cash in on discounts. Victoria’s Secret allows for three discount codes per order. The first one was a tiered discount. $15 off $100, $30 off $150, $75 off $250. I typed that in. The second was free shipping if you ordered bras (I did). The third was for a free pair of undies. Score! I did a little math. The first discount made things weird. If I found $10 more product to buy, my entire purchase would actually be $5 cheaper than if I didn’t buy $10 more things. Okay, well, that’s only a good idea if I only spend ten dollars. Not if I find a $50 something or other. But I had a feeling their 5 for $26 was a discount if you bought at least five pairs and not multiples of five pairs. So, I put two more pairs of undies in my cart.

And the price went down by $5!

So, with the SaveUp gift card I won, plus the discounts I found via RetailMeNot, my grand total was $20.40. And I got a lot of cool stuff.

This feels like winning, because the only kinds of clothing I buy new are my underclothes.

Because even Frugal Portland has limits.

Which may be another reason TLC hasn’t called me back. “Not extreme enough!”

 

*by groceries, of course I mean chocolate covered frozen bananas and all kinds of trail mix.

Apr 192013
 

The other day, my friend Joe (not that friend Joe! wait… are all Joes cool or am I just lucky to know the cool ones? doesn’t matter) moved his seat so he could sit closer to me at the (b)logger happy hour.

I thought he was just being friendly. I like you too, Joe! But no. He wanted to talk to me about something specific.

“So, you’re Frugal Portland,” he starts. “How are you frugal? What do you do that others don’t in terms of frugality?”

I was puzzled. What’s he getting at? And further, doesn’t he read every single word of this fine blog? So I listed a few things. Turns out, he’d been contacted by a big time television network.

Frugal Portland isn't so extreme

The photo is a non sequitur. But sometimes if you look up in a store, you see beauty.

They wanted him to upload a video describing all the ways that he was frugal.

The show? Extreme Cheapskates. We talked for a bit about our habits. Andi chipped in.

Here’s what we came up with.

Frugal Tips for the Real World

  • Don’t buy clothes for a year. This one is Joe’s, but it’s not like he was someone who was dropping $5,000 on clothes in a year’s time anyway. I don’t know the numbers (not being Joe, and all) but I think, in all cases, this is only extreme if you are a clothes person, and you like your clothes fancy.
  • Do not eat in restaurants, unless a) it’s a social thing, or b) you are traveling and might die without eating something. Yawn, right? Everyone knows that eating at home is cheaper than eating out. I’m pretty bored writing this. Yes, it saves money. Gobs of money if your habit is to go out and eat food in places where you never have to do dishes. But, jeez, that’s pretty basic. I’d switch the channel on this tip, wouldn’t you?
  • Bike to work. This is more about saving the planet and making sure I get some exercise every day than saving money. And again, it saves me maybe a tank of gas a quarter. I’m sure you could save more if you swap out the bike on your 20-mile commute, but … who does that? Oh, right. The people who should be on this show.
  • Drink cheaply (happy hour) out, and save the nice stuff for drinking at home. Andi (my favorite lightweight) suggested buying really nice whiskey (or whatever you drink) and making cocktails at home. That way, you’re not tempted to buy a $14 Manhattan at a restaurant and you have the added bonus of not having to drive after having one of those. Extreme frugality? Hardly. If we were really extreme we would be recommending drinking only tap water or alcohol at weddings.
  • Don’t buy anything in boxes (except toothpaste) at the grocery store. I’ve mentioned this before, but it bears repeating since it’s one of the few “tricks” that come to mind. Things in boxes are more expensive (both in the short-term and the long-term) than things like vegetables and meat. While we’re on this topic, eat your vegetables, dang it! Ones that come mixed into your fried rice do not count.
  • Always bring your lunch. Always. Unless you’re meeting up with someone and the point is to reconnect.
  • Buy local groceries. From the farmers’ market, from your CSA, or even just in the produce section, seek out local things. I’m lucky enough to be living on the set of Portlandia so I’m able to buy local meat and fish at the store, with remarkable consistency. Local food is cheaper because they don’t have to add shipping costs to their per-pound price. It tastes better because it doesn’t have to be frozen in order to get to your table fresh. The extreme version, I suppose, is an urban garden and a vegan lifestyle. “I only eat things that came out of my yard.”
  • Make your own soap. Or other things, I suppose. I had an adventure in DIY hand soap as well as DIY drinking vinegars. I might try laundry detergent next.
  • Clean with vinegar and baking soda. It works very well, and it’s much cheaper and better for you than the chemical stuff. Cheaper than the fancy organic stuff too.
  • Buy (a lot) less house than the mortgage guy says you can afford. My very close friends bought a house last summer. They were pre-approved for… let’s just say a lot. They make good money, they’re successful, and the formula said they could afford close to triple the price they ended up paying when they bought their house. This is a brilliant strategy (both by the lenders and my friends, but I’m talking about my friends). They can save more aggressively, they can go on more or fancier vacations, or one of them can duck out of the rat race for a while. My friends have more options because less of their money is tied to a mortgage.
  • Start your own frugal traditions with friends. One of my favorite things on the planet is family dinner, which you can read about or just know that it’s where you choose your friend family or families and alternate making dinner for each other. It is the bee’s knees, and always the highlight of my week. Always. It makes cooking more fun, and I’m very rarely cooking for one, which is helpful, since I tend to think I need to make enough for six, even when it’s just me and the upstairs dog. Thank goodness for Tupperware. (What’s the non-branded term for that? Reusable, washable containers for your food?)
  • Let others know you’re interested in their hand-me-downs. This can be tricky, since some people have too much pride associated with accepting or giving used things. I make it known loud and clear (especially to the friends that are my size!) that I am happy to receive their castaways when they upgrade things or combine housese. My friends know that they can give things to me, and that I will pick through, choose the best things, and donate what I do not want.
  • Get started with minimalism. The fact is, the less you have, the less you need. I am a minimalist, of sorts. I donate to Goodwill every other week, I make sure that I’m wearing everything that takes up valuable space in my closet, I go through my kitchen drawers at least twice a year, but it’s not extreme. I have more than one pair of pants. More than four pairs of shoes. At least two black dresses. There are people out there with far fewer things, so maybe the TV show can find them.
  • Buy used cars. I’ve considered (many times) getting rid of my car altogether. But I don’t think I will. And now that I’m moving to a slightly less geographically convenient area (and I am a big wimp about biking when it’s disgusting outside) I will hold onto it. But I will never, ever buy a new car. In fact, I would very much like my 2005 Corolla to last another 10 or 15 years. Wish me luck!

That was our list. It works, but is it enough to get a TV appearance?

Frugal Activities that Might be Television Worthy

  • Gross bathroom strategies. Including the “only flush for solids” rule and the “try not to use more than one square of bargain basement toilet paper” rule. Also included in this category: shower at the gym, wait until you’re at work to go to the bathroom, steal toilet paper from hotel rooms when you’re staying the night somewhere (I really do know someone who used to do that!), wash towels a lot less often, and maybe one or two more strategies.
  • Duplicitous food choices. In college, I went to every single “free pizza” night for seniors. “Free pizza and let’s talk about teaching English in Korea!” I’m in. “Free pizza night to talk about Optometry school!” Didn’t take one biology class, but what time is pizza served? In that same vein, several years ago, one of my friends, in trying to go an entire week without buying groceries or spending money in restaurants, lined up first date after first date. By the end of the week, she’d had ten first dates, and didn’t have to buy a single lunch or dinner. Yes it was the week before payday, why do you ask? And, to be fair, she probably had to work really hard on those dates. I haven’t yet been on ten first dates but every time I meet someone new, it takes almost all the energy out of me. And to the best of my knowledge, she hasn’t done it since. But it’s good to know that she could if she wanted to.
  • Dangerous food choices. Eating out of the dumpster. Eating food off someone else’s table. Eating mayonnaise past its expiration date. Drinking milk that failed the smell test. These are dangerous, and missing work because you ate poisoned food will not in fact save you money. All these strategies do are marginalize you from your friends.
  • Acting like a jerk. We are all very lucky to have the friends we have. Let’s not be jerks to them, okay? Do not assume friends will take you out on their dime. Always offer to pay your fair share. If you’re striving to save money, then bring enough cash to cover your part plus tip. They ask you if you want to come to a concert with them? PAY FOR YOUR TICKET!

There’s no amount of money that can cover you if you ostracize yourself from your loved ones. Remember A Christmas Carol? That guy was the king of frugality. Fat lot of good that did him.

So, no. I don’t think I’m frugal enough for TV.

And here’s why:

In order to be on that channel, you have to be kind of messed up. I have a full, very rich life, and so that right there means I wouldn’t qualify. I surround myself with amazing people (at work, in my Portland circle, and more and more in my “holy crap I have honest-to-goodness friends all over the place!” circle), I do a lot of fun things, and yes, I save money where I can.

What about you? Are you frugal enough for television? Did I miss anything on this list? Is anything on my list “just too crazy” for you?
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 262013
 
Frugal Portland comes to DC

Frugal Portland comes to DC

Eight years ago, nearly to the day, I packed my belongings into four boxes and moved to a city I’d never even visited before: Washington, DC. I was compelled by some unseen force, some deep desire to be in our nation’s capital, and so I left.

The version I retell most often is that I graduated college with a degree in politics, in a presidential election year. So I worked on a campaign. Then I basically couldn’t help myself. Our candidate won, there was a position in his DC office that would go to one of us, and we all interviewed.

I was told that I was their number two choice. They were going to offer the job to someone else, and if he didn’t take it, it was mine.

He took it, but that was enough motivation for me. “I didn’t get the job, okay, but I’ve got to get out there,” I told myself. So I scoured Craigslist and applied for hundreds of jobs. I picked an arbitrary date (February 15, 2005) and decided that’s when I’d move.

Looking back, it all seems so crazy. So impulsive. So not what the 31-year-old version of myself would do. But I did. And I got a job before I left, which made my mom happy.

I can barely remember some of the things I did at work, in that first job, but I made some of the best friends I could hope for while working there. And in each job I took in DC (I job-hopped, trying to make DC life work for me, and it never did) I made even more amazing friends.

And so, when I got asked to speak at a conference in Maryland for my current job, I leaped at the opportunity. I haven’t visited DC since my friends got married in October 2011.

I’ll be working on Thursday, and spending time in my old stomping ground until Tuesday afternoon.

This is decidedly the frugal way to visit!

Work is paying for my airfare, the conference is paying for my hotel the first night, and I’m staying with a variety of friends for the rest of my visit.

Things on my agenda include:

  • American History Museum
  • Shabbat dinner (hopefully I get to help make it!)
  • Cherry blossoms (unless my memory is way off, then, no cherry blossoms)
  • Sushi on the red line
  • Long walks
  • Meeting up with old friends
  • Meeting a new human or two (hopefully two!)
  • Coffee with customers
  • Meeting up with internet friends?

Do you live in DC? If you want to meet, let me know! Twitter might be the best way to get in touch with me.

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.