Frugality v. simplicity: Reconcilable?

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As I write this, my kitten is gazing out the open window, fascinated by the snowflakes that are gently, whimsically gliding around in no particular direction at all.  

Life is simple, life is good.

This is a post that I’ve been thinking about writing for a while, and it poses a bit a a dilemma for me: the seeming similarity and yet contradictory nature of frugality and simplicity.


When discussing the merits of frugality, inevitably the argument arises that frugality enables us to slow down, enjoy what life has to offer, reduce our wants and focus more on what really matters to us.  (See my earlier post, The fulfilling frugal life, for example). To me, these are the fruits of frugality that almost anyone can achieve, provided they have their basic needs met. 
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For some, the main purpose of becoming frugal is to eliminate their debt load once and for all.  For others, it is taking a pro-active approach to make sure that they will outlast this recession without winding up in a van down by the river.  For others, frugality is a lifestyle choice based on religious or spiritual beliefs and values. Whatever the aim, frugality can offer a fulfilling life filled with simple pleasures, treasured time with family, and a renewed appreciation for the richness and beauty in the universe.  A snowflake. An apple seed.  Silence.  Tremendous beauty surrounds us but is rarely paid appropriate attention. By living frugally, we have the opportunity to remove ourselves from the constant bombardment of “stuff” that occupies our minds, our homes, and our time.  A frugal life allows us to escape the abrasive and intrusive nature of advertising by eliminating television, paparazzi, and malls from our daily experiences.  Instead we may find awareness brought to once forgotten pleasures like cooking, focused attention to friends and family, time in nature, the crunch of snow under our feet on a quiet evening walk. What more, frugality brings out gratitude for what we have, and far from leaving us feeling deprived, can actually allow our attention to turn to the abundance we already have.

I have always appreciated these aspects of frugality.  Granted, this kind of living was not forced on me through poverty, but nor was it consciously attended to.  My first recognition of the pleasures of frugality came as a student in Peterborough.  I recall walking down a street, enjoying the beauty around me in the pretty churches and simple homes.  I purchased a hockey t-shirt at Zellers for $11.  It made me so happy, to treat myself to this simple gift.  Not a deluge of clothing.  Not the latest fashions. Just one simple item.  Because I rarely bought clothes for myself (It is a hippie-town, after all – no one cares about fashion) this item made me feel special.  I became aware of the joy I received in simple ways – the friendly bus drivers, the pretty streets, the sunsets that could be observed from our home on the top of one of Peterborough’s many hills.

It is this joy from pleasant simplicity that I am seeking in my life.
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But what is frugal is not always simple.

I often advocate saving all sorts of recyclable items.  Couponing.  Stockpiling.  But all of these things can clearly conflict with the simple life. We can become packrats, hanging on to everything we own, in case we might need it in years to come.  While resourceful, do we truly want more “stuff” taking space in our homes?  And what about “gaming the system” through an almost obsessive search for coupons and freebies?  As all my readers know, I love couponing and enjoy getting things for free when I can.  But can these goals co-exist with simplicity?

The biggest contradiction between simplicity and frugality lies in the stockpile.  In efforts to cut back our grocery budgets, it is common practice among frugal bloggers to stock up on non-perishables when prices are low and when you have an abundance of coupons.  In theory this makes sense, but stockpiling can easily get out of hand.  Recently a man in the UK passed away from dehydration after being trapped in a maze of junk inside his home. Frugal Dad wrote about the issue, asking how thick or thin the line is between stockpiling and hoarding.

An example of stockpiling can be found at Saving Your Cents. You can see the results of one of the author’s  stockpiling grocery trips – on a triple coupon day with an 11 foot, 8-inch receipt that took 45 minutes to process at the check-out.  

Looking at the author’s blog it is no doubt that she is very resourceful and she estimates that she saves about 70% on her grocery bill each week.  But I wonder, what are the true benefits of stockpiling, and don’t they conflict with the other merits of frugality?  If we take the time that might be spent in a mall, or watching TV, and spend it shopping to get the best deals and freebies, we might save money, but we’ve done very little to add richness to our lives through the pleasures of simplicity that frugality can offer.

I suspect that frugality can offer a life of rich fulfillment.  By taking only what we need, reducing greed, reducing clutter, we can live in simple abundance, appreciating wholly what we have around us, not weighed down by too many extras, not a slave to any of our possessions or rigid determination to get the best deal.  Just simply, joyful, frugal living.

Do you tend to err on the side of frugal or simple living, or have you reconciled these two?

The Saver Queen

Satisfying self-discipline

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Did you resolve this year to live more frugally?  Finding it difficult already?

At a yoga class last week, our instructor left us with this message to encourage at-home practice throughout the week:

Discipline means remembering what you really want.

I thought that this idea was perfectly relevant to staying on a budget. Discipline, when applied to budgeting, or any other goal, should not be an exercise of self-punishment or deprivation.  Far from that.  In fact, discipline should be used to continually remind yourself of what is important to you, and be used to make choices that help you achieve that reality which you truly crave.

To help you achieve discipline towards your financial goals, I have come up with five ways to help keep you motivated and on track.

1.  Decide what you truly want for yourself.  If you have drawn up a tight budget without thinking about what kind of a world you hope to create for yourself, you may have little motivation to actually get there.  If your goal is to get out of debt, decide what being debt-free means to you.  Think about what you want – a better relationship with your spouse, more fun in your life, the ability to afford a vacation or even just fresh flowers every week. Imagine in detail what kind of a lifestyle you want to create for yourself that can be obtained by changing your financial habits.

2. Visualize your goals and make them real by creating visual representations through collages.  Use scrap magazines to cut-out pictures of the things you wish to feel, do, or have that will be made possible by your new financial plans.

3.  Calculate the long-term impact of your short-term savings. If you are cutting back your spending, make the effects real by calculating the savings over a longer period of time.  You will realize that avoiding small purchases can add up to big savings.  If you spend $10 on lunch and coffee every work day, you’re spending $2600 a year.  What does that $2600 mean to you? A trip to Europe? Imagine what you will do with your savings and actively remind yourself that these little sacrifices add up to big rewards.

4. Don’t say “no” – just say “no for now.”  If you’re in a store itching to buy something, allow yourself just 24 hours to think it over.  It won’t feel like deprivation because you’re not saying no – you’re just giving yourself time to decide.  After you’re home, you will probably realize that life goes on without that new “thing” you wanted to buy and that you don’t really need it after all.  Or even more likely, you’ll forget all about it. 

5. Boost your spirits. If you’re feeling isolated because you can’t afford all the exciting activities your richer (or less responsible) friends are planning, or start to feel deprived, do something nice for yourself.  Plan a spend-free get together with friends.  Yes, you can do the old “pot-luck” stand by, but you can also plan a board-games night, a knitting night, a winter ice-skate or hike, or a chat session over a pot of coffee and cookies.  Or treat yourself to something small – some new bubble bath, a book from the library; even a cute new pair of undies or PJs can go a long way in lifting your spirits for under $10.

What is your favourite way of keeping yourself motivated and disciplined?

The Saver Queen

This year, resolve to forgive

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Did you resolve to reduce or eliminate your debt load this year?  The path to financial freedom may begin with forgiveness.

It’s easy to obsess over past mistakes, especially if they are still appearing on your credit card bills, renewing your regrets every month.

But how much does self-punishment and guilt really help us pursue a change in our lives?  Shopping provides a short-term high, and is often used, like gambling, alcohol, or binge eating, to fill some kind of a void.

If you are harbouring guilt or anger over your  financial sins of the past, you might just push yourself right back to the same old habits you want to avoid, desperate to quench the need for comfort and peace that isn’t coming from within.

I’m trying to do the same thing with my body – living with chronic pain at a young age means that I harbour a lot of guilt and anger at my body for not acting or feeling the way it “should.”  Through yoga I am coming to realize that patience and compassion may be the gateways to healing.

And so it is with money.  Try forgiveness on for size.  You may just find that you lose the compulsion to shop once you find peace within yourself.

The Saver Queen

What will your money make happen?

Are you in debt, getting out of debt, or newly free from your credit card-shackles?  How much money have you seen “disappear” off to the hands of your creditors when it could have be used for a better purpose?

When Gail Vaz-Oxlade goes into a home, most of the time the couple has thousands of dollars in debt, but not much to show for it.  Do you ever stop to think what they could have done with all that money?

In my line of work, I am regularly researching Canadian millionaires and mega-philanthropists to better communicate and serve their philanthropic needs and interests.  As a result, I get inspired. Seemingly ordinary people give away millions to causes they care about, and they make a dramatic impact on our world.

It’s not just the business tycoons or presidents of banks, either, who make this kind of an impact.  Many of the donors who contribute millions to our organization are humble little old ladies, many of them single, who were frugal with their money and spent carefully throughout their lifetime.  The legacy they leave is insurmountable.  They are changing the direction of how generations perceive and live with chronic disease. Their dollars fund world-class research that is being shared around the world – the discoveries don’t only help Canadians, they help people everywhere.

Perhaps that’s one of the reasons I value frugality.  Because I honour my money; I honour the difference it can make.  I work hard for it and I want to use it to make an impact on the world. I want it to give me freedom – full, unburdened, creative freedom to carve out a completely original life of my own.  I’m not quite sure what my goals are right now.  Will I save enough to start my own business or nonprofit organization? Pursue my true passions full time?  Will I become a philanthropist and someday leave the kind of legacy that I see other Canadian millionaires make? I’m not sure. But I believe there is potential – and it is potential that I do not want to waste. My goal then is to save, somehow instinctively believing that there is a greater role for my money to play that to just to get swallowed up by Tim Hortons, Big Box Stores or Banks.

Gail usually relates to the couple of the week in regards to specific, measurable goals – get out of debt, get an emergency fund, get a retirement fund.  Somewhere in there might be other goals, like have a baby, make enough to stay at home with the kids, or start an education fund for them.  Those are all important goals.  But would else could be achieved?  What other opportunities exist within a healthy savings plan?  The pursuit of a lost dream?  A trip around the world?  A marathon? A totally innovative nonprofit?  

My question is, what would you do now if you had back all the money that you poured out to bank fees, interest, or stuff you just didn’t need?  And what would you like to achieve now that you have new priorities?  Goals or dreams, big or small, it’s all valuable.  I can’t wait to hear from you!

An exercise in frugality (part four)

My final post on the Exercise in Frugality series is on the importance of volunteerism.  By volunteering, we realize that our own problems may pale in comparison to what other people are going through.  We also realize that they may need our help.

Most people are looking for a way to volunteer sporadically, because it involves the least amount of commitment, and unfortunately, most nonprofits need consistent, reliable work.  So, as I have mentioned before, if you don’t want to sign on with a long-term commitment, approach your favourite charity with a specific project in mind that you think you would be good at. Include a timeline, or suggested dates.  If you use your existing skills, it will require less training and supervision on their part. 

Another option is to go during holidays – but sign up early!  Believe it or not, serving a hot lunch or dinner at a shelter on a holiday can be a coveted position. However, if you are too late for the “fun” jobs, there is always less pleasant but equally important work to be done, like bed-making and laundry folding.  It’s tough work, but you feel fulfilled at the end because you know you’ve done a job that doesn’t have volunteers coming out of the woodwork for.  

You can always hold 3rd party fundraising events – but be sure to contact the charity first, as they will have resources to help you, as well as regulations that you will have to abide by.  One example that I have been thinking of recently is hosting a lovely breakfast for my friends in return for a donation to one of my favourite charities.

Not sure who to volunteer for?  If you live in Canada, visit Charity Village for a list of nonprofit organizations by subject.

If you are looking for free activities to do with your family, volunteering is a great idea.  My biggest suggestion is simply to be creative and think outside the box – you don’t have to do something traditional and volunteering doesn’t have to be limited to licking stamps anymore!  When you are done, you will likely feel gratified, thankful and fulfilled – feelings we rarely enjoy when we are focused on accumulating material possessions or are heavily absorbed in our own problems.

An exercise in frugality (part one)

I have decided to write a three-part series on how to help yourself during a tough frugal period.  When you make the decision to get out of debt or encounter a life change that shrinks your income, a change of lifestyle is order – but it isn’t easy.  You may need to trim back because you decide to start a new job, have a baby, get a divorce, find yourself with ill health or a disability, become unemployed, or like all of us, see the cost of living rise and the value of our savings deplete.

I’ll be writing this three-part series to help any of you who really need to cut back and are finding the transition tough.  It consists of three “exercises” – things you can do that will help keep you inspired and fulfilled.

Exercise One: Getting Organized

Step ONE: Go through your entire home and sort out what you want to keep and what you want to get rid of – do this in your basement, bathroom, kitchen, livingroom and bedroom.  Whenever I decide I need to trim down and decrease my spending, I find that going through my wardrobe, closets or storage and pantry is a big help.  It’s a lot of work, but it’s worth it!  Here’s why:

1. By going through everything you own, you realize just how blessed you are.   When I was living on less than $18,000/yr in one of the most expensive cities in Canada and three-quarters of my income went to rent, I used this exercise and never felt poor.  Instead, I looked around and saw just how well I was doing. Pantry and fridge full of food.  Clothes in the closet. Apartment pleasant, cozy and clean. 

2. You will find things you forgot you had.  You will discover clothes that have fallen to the back of the closet.  The back of the pantry or freezer may yield goods you forgot about – like lentils, rice, beans or baking supplies that you can now use up.  Your bathroom probably has supplies you forgot about too, including things to treat yourself with (lotion or bubble bath you forgot about) or even unopened goodies that you can include in gifts for others. In your basement you may find stuff that you forgot about that can now become useful.  You may even find great items that have never been used and, if you do not need them, they can be re-gifted.  Going through your living room, you may find board games, video games, cds, books, movies, and other “stuff” that you have not used in ages!  It will all feel like new again.

3. You will realize how fruitless it is to shop.  You are likely to find all kinds of stuff that, at the time, seemed important  to buy, and now is now just collecting space.  It makes you realize that shopping just clutters up your home – it doesn’t truly contribute to your life.

Step TWO: When you go through your home, be creative and re-purpose stuff once deemed useless.  If the t-shirt no longer fits, you can cut it up and use it for rags. Or better yet, sew it into a cloth bag.  Use denim to create cute envelope holders, purses, or other crafts.  If you don’t wear the jewelry any more, you can use the beads for a child’s craft project, or make a new piece of jewelry out of it. Can that container be used to hold homemade cleaning supplies, snacks, or be used as a gift basket?  Lots of items can be used in gift wrapping, crafts for kids – really the opportunities are endless. Google the name of the item (eg. “denim”) with the word “crafts” and see what you come up with!

Step THREE: Before giving away what you do not use, ask friends to do a “swap” rummage sale.  You can each have a look at what you’re prepared to get rid of, and then do a trade.  Or, put the extra stuff on e-bay, craigslist, or go to frugalshopper.ca and swap with someone from the online community.

Let me know if you use this exercise, and please share your thoughts.  Did you have any realizations?  Or did you find clothes, games, or food that you forgot all about – or have re-purposed?