Coffee heat rising

Managing Retirement: Declutter EARLY

HoardA Funny about Money reader writes to report the difficulties he and his siblings have had in helping their elderly, recently widowed mother move out of a home and settle closer to the family. After sixty years of wedded bliss,  the senior couple’s house was full of — you guessed it: Stuff.

We’ve talked about the way Stuff accumulates like kudzu: all the valuable pieces of junk we guess we must have or that we can’t part with after we no longer need them.

  • There’s the collection of Costco soaps filling a giant black plastic lawn bag. Why throw them out? Everyone uses soap. Sooner or later these will get used. Right?
  • And Uncle Orville’s hand-carved plywood footstool that we’ve kept in the back of the hall closet for lo! these many years. Sure, it’s a little ugly…that’s why it lives in the closet. But how can we get rid of an objet with that much sentimental value? What would we have left to remember Uncle Orville by?
  • Never mind the 25 shoeboxes full of old Kodak prints.
  • The cabinet shelf crammed with old mayonnaise and jam jars, carefully washed and stacked on top of each other. Watch out! That pile is about to fall on your head!
  • The bike with flat tires.
  • You can’t get this insecticide anymore: the gummint took it off the market. Keep!
  • This collection of crumbling comic books is valuable!
  • Old Yaller’s collar, leash, and chewed up toys… Good Old Yaller, waiting at the Rainbow Bridge after all these years.
  • The 35-year-old bottle of Kahlúa, opened  34½ years ago and never touched since. You never know when you could have a dinner guest who likes the stuff.
  • The flowered Penney’s dinnerware, only slightly chipped. The kids will love inheriting it. These things are collector’s items!
  • The dresses and shirts that still have their tags with the marked-down prices. Never got around to wearing them because you can’t see them in the jammed-tight closet.

In my experience, the longer you live in a house, the more of this kind of stuff grows inside the closets, fills the garage, and packs the storage sheds. You don’t even notice it all building up…until you have to move it.

But chances are your retirement castle is the last home you expect to inhabit. You don’t have to move for a job and you can’t afford to move to a better house or neighborhood. So you’re likely to be there for a long time, especially if you live to an advanced age.

The problem is, even if you have a place out of sight for all the Stuff that accumulates in the course of daily living, when you die or move, someone is going to have to haul it all out. And that someone is likely to be your hapless kids.

Dear Reader describes filling a 26-foot U-Haul twice and making eight trips in the pick-up and still not emptying the house of its junk collection.

This is not uncommon.

When SDXB bought a house here in the ‘hood, he got it from a couple who were the original owners. The old guy was a stasher. He pretended to be in the junk-selling business as an excuse for acquiring and stashing piles and piles and piles of junk. The garage was stuffed to the rafters with trash — literally full all the way to the ceiling. The backyard was littered with things like old toilets and half-rusted evap coolers.

The inside of the house looked normal enough…until you opened a closet door or peered into the garage.  These houses were build in 1971, so the old boy had plenty of time to accrue valuables.

Their kids lived in a couple of small towns in southern Arizona. They had to drive up here to help the aged parents, who no longer were up to heavy labor. The son who lived in Willcox — on the way to New Mexico! — had to drive his flatbed truck up to Phoenix several weekends in succession. The other kid came up from Sierra Vista, a garden spot depending from an old Army base, also spending many weekends helping to shovel out the house. They made trip after trip after trip to the city dump. Finally, after the third or fourth time the flatbed showed up there in a single day, the lady at the dump’s gatehouse looked at the kid and said, “This is a business, right?”

He had to talk fast to persuade her that no, it wasn’t a business: it was just his father’s hoard.

So…have a little consideration, f’rhevinsake.

In the first place, even if you don’t care that your kids will have to break their backs to get rid of your lifetime collection of priceless junk, consider this: keeping Stuff isn’t frugal.

To the contrary, it’s unfrugal. If you’re not using it, then someone else could be using it. Donate it to a thrift store or yard-sale it so someone else can get some use out of it, and a little less junk will be manufactured.

Declutter early and often. Whenever you buy a new shirt or skirt or pair of pants, take one clothing item out of your closet and donate it. Bought a new set of wine glasses or dishes? Take the old set (or what remains of it) over to Goodwill.

And every now and again, look around the house and garage and ask yourself what can go. Stuff has a way of making itself invisible — we get so used to having it around we no longer even see it.

The other day I gave a pricey grown-up’s scooter to the neighbor’s kids. It had been gathering dust on top of a garage cabinet, where it went after I was laid off from ASU. If I want to get around the ‘hood on two wheels, I use a bike.

The kiddies were thrilled to have it! 😀 Very, very adorable. And I was very happy to see it get some use.

Stuff: Use it up. Wear it out. Get rid of it!

Image: TheDoctorMo – Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=34481543

Buy “His,” Not “Her$”

Okay, I know there are more important things to write about — like the U.S. Senate’s outrageous votes to sell or give away all federal lands other than national parks and monuments (presumably to their owners friends, the Koch Bros. & Co) — but for a nominally personal finance blog, this is too, too good to pass up.

Lautrec_woman_at_her_toilette_1889By now you must have heard that the cosmetics industry is marketing to men almost as fast and furiously as they always have to women. Most of the paints and creams sold to all and sundry are overpriced junk, but they’re nice junk, junk of the sort that makes you feel pampered and privileged, however briefly.

Well, it turns out that as with clothing, there’s a difference yet not a difference between his and hers. In the case of luxurious personal products, the difference happens to be price. Products that are essentially the same will cost, when sold to men, about 50% less than the fare for women.

Consider, for example, the goop that you smear around your eyes to reduce age-betraying puffiness. Half an ounce of  Ahava Dead Sea Osmoter Eye Concentrate, touted  by its marketer as some sort of miracle balm from the stagnant pond of salinity, will set a woman back $50. But if she stepped across the store to the men’s counter and bought the same stuff as Ahava Men’s Age Control All-in-One Eye Care, she would pay just $28 for it. For $5.14 an ounce, she can buy a deliciously pampering body scrub from L’Occitane, or for $2.33 an ounce she can get an equally ridiculous luxurious product over at Sephora: Blue Sea Kelp Body Scrub, by Anthony. Both smell great and smooth your skin to a finely polished sheen. Clinique for Men SPF 21 moisturizer: $7.65 an ounce; Estée Lauder SPF 15 “advanced protection anti-oxidant creme”: $29.41 an ounce.

Jim_BrochuHow to make this work for your family? Seek out products that are made by the same company — Clinique, Lab Series for Men, and Estée Lauder, for example. Although the perfume may different (with any luck, you may find a fragrance-free product), the supposedly “active” ingredients are similar or identical. Or simply experiment with a few men’s products — at those prices, ladies, you can afford it!

😉

Images:

Henri Toulouse-Lautrec, Woman at Her Toilette, 1889.
Actor Jim Brochu puts on his makeup. Opening night of  The Big Voice: God or Merman, by Steve Schalchlin and Jim Brochu. Photographer: Basykes. Creative Commons Attribution 2.0 Generic license.

Hair Conditioner as…Bathroom Cleaner???

Faucet_in_a_bathroom_sinkHang onto your hats, folks: here’s a truly weird household hint. Diluted hair conditioner works, quite nicely and pretty efficiently, to clean the brightwork in your bathroom. Matter of fact, it’ll clean the sink and countertop, too. And probably the bathtub, if you’re in the mood to experiment.

The bizarre factoid came my way by pure serendipity. By accident, as a matter of fact.

As you may recall, I like to make my own glass cleaner, fabricating it with the same active ingredients that Windex uses. The product, which is clear as water, resides in a Home Depot industrial-strength squirt bottle in a bathroom cabinet. And not so long ago, I learned to pre-condition the dog’s fur before washing her by spraying her with diluted hair conditioner and working it into her fox-like pelt. Yesh. Supposedly if you do this, it somehow creates magnificent results.

Well, it doesn’t. It serves mostly to enhance the degree of canine annoyance at the dog-bathing experience. HOWEVER, this much-diluted hair conditioner (about 1 part conditioner to five or six or more parts water) does have a salutary effect on the human’s fur, when the weather in the low desert is so dry that static electricity makes it stand up all over one’s head like you stuck your finger in a light socket. A very light misting of the stuff instantly eliminates the hair-crackle, and, as a bonus, enhances one’s natural curl. Assuming one has that to start with.

This clear stuff also resides in a Home Depot industrial-strength squirt bottle in the bathroom cabinet.

So, as you may now imagine, the other day when it was past time to clean the bathroom, I reached under the cabinet and hauled out the spray bottle of DIY Windex. Squirted it all over the faucet and sink and tile countertop and…thought well, hell!

I’d managed to douse everything with hair conditioner. This, the train of thought continued, is going to be one big, gloppy mess to clean up!!!!!

Hauled out the paper towels, figuring to soak up the worst of it and then scrub, scrub, and scrub again with Simple Green to get the rest of it off.

But…nooooo!

It wiped off the hard surfaces like a freaking dream! It left the faucet clean, bright, and shiny. Did the same to the tile.

I expected it just looked that way, so attempted to rinse what I imagined was the rest off with water.

Nothing. No glop, no suds, no slime.

WTF?

Cautiously, I squirted a bit of it on the kitchen faucet.

Polished the thing right up.

Okay. The acid test: I apply my powdered mineral makeup in the back bathroom, where the light is adequate. The stuff settles on every available surface, merrily staining the sink and countertop a lovely “medium-beige” puce and requiring some serious cleaning to keep the place more or less presentable. So it was off to the back bathroom with the squirt bottle full of diluted hair conditioner.  If this doesn’t make the mess from Hell, I figured, nothing will!

Apparently nothing will. It cleaned the back bathroom sink and faucet right up, just as bright and shiny as if I’d washed it down with Lysol or Simple Green. And it smelled a lot better.

I have no idea what on earth the chemistry behind this phenomenon might be. We do know that some women have taken to washing their tresses with hair conditioner, having developed, for reasons incomprehensible to personkind, an abiding suspicion of shampoo. And we also know that a very light skiff of olive oil or other vegetable oil will polish chrome faucets quite prettily. But…but…hair conditioner as bathroom cleaner?

Dunno. All I know is it worked.

Image: Tomwsulcer. Faucet in a Bathroom Sink. Creative Commons CC0 1.0 Universal Public Domain Dedication.

Dads: How to Be a Thrifty Role Model

A visiting author’s post by Liam Garcia

These days, fathers are more notorious for being “cheap” than “thrifty.” Too often, mothers are perceived as the money-savers in the home. They coupon, shop during sales, and manage the pocketbook. They even work on DIY projects and home decorating on a budget.

Fathers have a rep (maybe fostered by the distorted images shown in prime-time TV cartoon shows) for advising their children to wear the same clothes for five years and constantly keep the thermostat at 80 degrees, regardless of the weather. But Dad’s stinginess can actually save some money in the long-run.

Listed below are some additional money saving tips for fathers. The next time one of your kids criticizes you for being cheap, just tell them you learned it from a blog.

Be a Fixer-Upper

Your wife might be an expert at DIY crafts and other projects thanks to Pinterest, but you can be your own DIY professional. Popular Mechanics, that old standby of our fathers and grandfathers, has an online presence with step-by-step how-to’s for all sorts of home improvement projects. And for larger projects, Sunset magazine has a seemingly endless series of home improvement and repair guides; these short paperback books are available in libraries, bookstores and at the big-box home improvement stores. On a lighter side, you have blogs such as The Art of Manliness, which dispense buckets of handy hints. Access “fix it” blogs and learn how to maintain your appliances, fix your air conditioner, or even change the oil in your car.

Not only will you save money for your family, you’ll pass on valuable money-saving lessons to your children.

Use Your Employer’s Incentive Programs

The easiest advice: start saving for retirement and use that 401(k)! Depending on where you work, you probably have some sort of incentive program. Some employers implement a “pay for performance” reward system, while others offer corporate memberships.

However your company chooses to reward you, take the rewards and save them. Buy stock in your company, if you desire.

Go Green, Save Green

SpaceHeaterYou can decrease your utility bills significantly by buying energy-efficient appliances. Use power strips in your home for your electronics and always turn the strips off when you aren’t using them. This is referred to as “vampire power,” because it “sucks the life” out of your bill.

Save on your water bill by installing a low-flow shower head or toilet. Plug-in space heaters work well to warm a single room, if only one person is at home or if everyone can be persuaded to hang out in one or two rooms. Similarly, if you live in a warm climate, consider installing window or wall air conditioners to cool the bedrooms, rather than running an expensive central air-conditioning unit to chill the whole house while people are sleeping.

Save on gas and carpool or ride the bus to work; if you live close enough to your job, try biking or walking there.

Hold On To Your Change

I can still remember my fascination with my father’s change jar as a little boy. We would watch it accumulate pennies and count the days until we could go cash it all in. It was fun for my siblings and me.

Today many people simply toss out pennies, because they seem so useless and because converting them into manageable cash at one of those Coinstar machines will cost you 8.9%, an exorbitant rip just to use your own money. Some banks, also, charge you to deposit coins. There are ways, however, to get around these obstacles: check out this article at Yahoo for clues to low-cost or no-cost ways to convert your change to bills, and at Bargaineering, Melissa Batai suggests a few more ideas, and readers add some more.

It may seem like the most literal translation of “penny pinching,” but it can actually benefit you when it comes to vacations and sticky situations.

Cancel the Unnecessary

If you have Netflix, you have no need for cable television. At YouTube, you can even watch full-length classic movies and TV shows for free: search for the movie’s title + “full length.” Instead of watching television shows on your TV, watch them on your laptop. Every network has its shows available (with ads) on their website. If you absolutely must have cable, subscribe to the cheapest package. You’ll probably still get an “on demand” feature even with the smallest package. When it’s time to start looking for a replacement laptop, test an ultrabook rel=”nofollow”. They have the same makeup, but are cheaper and more durable. That way, instead of one laptop, you can buy 2 or 3 ultrabooks for the family.

The Kids Are Watching

When children grow up in a household where both parents practice thrifty habits and demonstrate self-sufficiency, they learn those habits themselves. Not only will you be saving enough to help put them through college and keep yourself out of their hair when you hit old age, you’ll be teaching them healthy and wise ways to cope with their own finances as they reach adulthood.

Liam is a writer for TipsOnHowToSaveMoney.com.

 

God’s Car Wash…and Wash…and Wash

It’s still raining.

And the Cheapskate’s Car Wash…uhm…that’s not to say God is a cheapskate; only that a certain cheapskate takes advantage of Her largesse… Yes. The Cheapskate’s Car Wash has been running overtime.

Over the past some weeks and months, the Dog Chariot has managed to get itself pretty darned dirty, because I’m terribly lazy (and cheap) about taking it to the carwash. This past three days of rainfall, though, have presented an Opportunity.

So much rain has fallen so steadily and yet so gently that it’s washed away all the mud (and frost-killed leaves). Late on the storm’s first day I parked the car on the driveway for an hour and then pulled it into the garage and wiped it down with microfiber rags.

Yesterday I spent most of the day gadding around the far west side with KJG; on the way home I was caught in some more rain, but surprisingly the road mud was rinsed off the car’s sides by the time I arrived in the garage. Wiped it down again. Looked great this morning.

Made a little junket to the Apple store this afternoon. The clouds seemed to be clearing ahead of a brisk breeze. I didn’t think it would rain again, but darned it wasn’t pouring by the time I wandered out of the mall.

Wash. Wipe. Dry. 🙂

I really prefer to wash the car myself, because I think I do a better job than the $20 car wash guys. The last time I took the car over there, they didn’t get it very clean. A shop vac, a few rags, and a hose sprayer attachment to wash off the wheels seem to do the job a lot better. A certain amount of work is required, though; since I have an allergy to work, it’s a rare day that I willingly drag the hose out to the driveway and spray treated city water all over the vehicle. The free rainwater helps a lot in the motivation department.

The car now is very, very clean. Chuck the Mechanic Par Excellence will be amazed when he gets it on Thursday for an oil change and minor repair. I don’t think he’s ever seen that car clean before…

The Frugal Virtues of Buying Expensive Stuff

This morning a moment of chaos led to an impromptu kitchen cabinet clean-out. It’s not a large cabinet, but it’s one that holds stuff I use all the time, so it gets messy, what with all the shoving in and out of utensils and bowls. As I was setting stuff on the floor preparatory to cleaning the shelves and figuring out a better way to store things, I reflected that if I’ve been in this house for ten years—a proposition I still find hard to believe—then some of those things are really quite old.

There is, for example, a nesting set of stainless-steel strainers, which I use mostly as colanders. I don’t even remember when I bought those—I had them in the old house, and I may have brought them with me when I flew the marital nest. If that’s the case, then they’re a good twenty years old; in any event, they’ve been around for at least fifteen years. And they look and function just like new.

They weren’t cheap. I’m pretty sure I bought them at Williams Sonoma, or maybe from Sur La Table, a favorite source of gourmet cooking gear back when I could afford to buy anything my little heart desired. Williams Sonoma is charging $37 for the current version just now. But like the set of stainless pots and pans with the copper-core bottoms, they’ve lasted and lasted and lasted, through daily use and occasional misuse.

These are things that I couldn’t afford to replace today. Now, if a good piece breaks or wears out, I have to replace it with something cheaper, which about 97 percent of the time equates to something that won’t last. Case in point, the late, great cheapo percolator I bought to replace the very nice teakettle that gave up the ghost after many, many years of service. You may remember this:

Came from Amazon. See that cute little glass bubble thing at the top? That’s where coffee perks up, if you’re using it to brew coffee. It has some half-baked threads that let you sort of screw it into the lid. They’re already shot: the lid won’t stay together anymore. As you’ll recall, I bought this thing last July. Now I need to buy another one.

If I’d paid two or three times as much for a teakettle from Sur La Table or Williams Sonoma, I’d have a pretty kettle on my stove (something that happens to please me, for it makes the kitchen look like someone lives here) that would survive another ten years of daily use.

But, being forcibly “retired,” I didn’t feel I could pay twice as  much for a teakettle that may very well last longer than I will. That’s because I couldn’t. This summer, with everything in sight breaking and expensive upgrades to doors and windows installed after the notorious Garage Invasion (which came within a gnat’s eyelash of becoming a home invasion) and almost no money other than Social Security coming in, I didn’t have the cash.

I’m glad that when I had a job, I bought as much quality as I could afford—considerably more than I can afford now. The Crate & Barrel buffet, the Thomas Moser rocker, the Restoration Hardware overstuffed armchair, the leather chairs and sofa, the Stickley side table (on sale!!!), the good set of stainless cookware, the Heath dinnerware: those will last for the rest of my life, never fall apart, and probably even retain their looks up to the end. Mine, that is. Though they were expensive, they actually were frugal: I’ll never have to buy any of these objects again.

When retirement starts to appear as a speck on the distant horizon, that’s the time to stock up on expensive, well made, and sturdy housewares, tools, and furniture. While you still have an income, buy for the future. It will save you having to replace cheaper stuff several times during your (heh!) “golden years.” The gold in them thar hills, folks: it’s pyrite.