Coffee heat rising

How incredibly lucky…

royalpalmparkithinkAfter bicycling over to a neighbor’s house to help her climb into her car (she’s moving clumsily from recent foot surgery), I spent about an hour this afternoon riding around the neighborhood and the one closer to Central Avenue. One of my RAs said she and her new husband put a bid on a house somewhere in that area, and I was curious to see which place it might have been. A couple of places were possibilities, but if so, then the new hubby must be earning a ton of money.

I never cease to marvel that somehow I managed to land in such a lovely, in-town area.

Fifteen years ago, as a new divorcée I was living on an amount of alimony that my lawyer and my financial advisor had urged me not to accept. Neither of them thought I could possibly survive on it, nor did anyone expect that after 20 years as a society matron I had a chance of landing a job that would pay a living wage. A drive-by shooting outside the apartment complex where I was living led me to contact a real estate agent and set him to searching for a house.

front yard in a rainstorm, through the living room window
The old house: front yard in a rainstorm, through the living room window

During the several weeks we looked at candidates, he took me to a 1970s block house that seemed dark and un-promising. Though it had been immac-ulately maintained, it still had the harvest gold shag carpets, formica countertops, and appliances that must have been installed when the place was built. I rejected it. We continued to look. After I saw the other shacks that I could afford, harvest gold took on a certain retro charm. And the house’s beautiful, professionally landscaped yard with its mature trees that created a park-like atmosphere in back looked downright gorgeous.

My agent managed to get the house for $30,000 below the asking price. Meanwhile, I had cowritten a book that quickly became a best-seller. My pay for that was enough to put down more than 20 percent on the house, leaving me with a mortgage that I couldn’t possibly pay alone. However, I easily persuaded SDXB (who at that time was simply BF: Boyfriend) to move in with me. He paid half the mortgage and part of the utility bill, which I carried on my books as rent. This allowed me to deduct a large portion of the many improvements the house needed, making new carpets and countertops more or less affordable.

As it developed, the little tract of block houses that I’d bought into is adjacent to one of the most upscale neighborhoods in the city. The centerpiece of this area is a large, beautiful park which, because the residents insisted that no bathroom facilities be installed, is free of the usual midcity transients and so is a safe and pleasant place to hang out: an asset instead of the drawback that a public park can be. My neighborhood forms a buffer zone between the fancy district and a pile of ratty, crime-ridden apartments on the other side of a main drag that has long been a conduit of blight. Because of that and because of the large number of rentals in my area (at one point, Mr. B***‘s rental empire comprised six houses in the two- by three-block development, and his were not the only rentals), the value of the sturdy, well built, and well designed houses has consistently lagged behind comparable properties in the North Central district.

After some fix-up, I fell in love with my house and the immediate neighbors, some of them original owners and all of them friendly and quiet. After several years, though, the harassment factor from the constant cop helicopter flyovers and the noise from the thundering intersection about three blocks away came to feel like real problems—you could set your clock at 11:00 p.m. by the cops buzzing the war zones to the north and the west of us, and some nights the traffic roar was so loud SDXB and I had to shout to hear each other speak in the backyard. The trees in the yard were dying: I lost an olive tree in front, two of the three ash trees were suffering from ash decline, and the gorgeous old fig tree developed a canker disease that an arborist had declared incurable and terminal. I replaced the olive with a mesquite, but the other trees would each cost about a thousand bucks to cut down, and when they were gone, the back yard’s charm would go with them.

I began to think I wanted to move somewhere else in the central part of the city. Months of searching elided into years, with no luck at finding a new-to-me place. By now, my house was paid for, because I stumbled into a good job whose salary allowed me to apply all the alimony plus a small inheritance to the principal, eliminating it fairly quickly. I did not want to take on another mortgage. Because of the location and the rentals, what I could get for my house would not buy another place comparable to mine in a neighborhood that felt safe for a single woman. Everything in my price range made my house look fantastically good. Any house that was similar to my place cost $80,000 to $100,000 more, and anything better—either in design and construction or in location—was astronomically beyond my means. Eventually it became clear that my only options were to stay put or to move to the suburbs or Sun City. I don’t care for the ‘burbs; my commute to the university is long enough, thank you; and Sun City is anathema.

dcp_1937
Climbing roses on the deck

Just as the housing bubble was starting to inflate, the house I’m in came up for sale: in the same neighbor-hood I was living in. The owners, lovingly known as Satan and Proserpine, had done a lot of fix-up: removed the old dark-brown 1972 tract-house cabinetry and replaced it with handsome new cabinets, appliances, and countertops, installed very attractive floor tile, ripped out the plastic shower surround and replaced it with travertine, knocked a hole in the west wall and installed an Arcadia door opening onto a pretty little covered deck, installed an Arcadia door in the master bedroom…all of which created a bright, updated effect. The house had a fireplace and a big swimming pool—which my old place did not—and best of all, it sat on about a quarter of an acre in the quietest part of the neighborhood: the house is located as far away from the tenements and the main drags as you can get without being in the more expensive tract. It is, in a word, right in the rich folks’ laps.

This corner of the neighborhood is much, much quieter. Although the cops still roar overhead once every evening or two, they don’t park right on top of the house while they harry the perps, as they still do over the old house. Traffic noise is barely audible here. At night, I can sleep with a window locked partly open, out of the question in the other house. With Dave’s Used Car Lot, Marina, and Weed Arboretum out of the picture, the street is pleasant enough. And the mature, shady neighborhood of $500,000 to $1.5 million homes that starts about 200 feet from my front yard is very pleasant, indeed.

Come to think of it, the very idea that a middle-aged grass widow without a hope of ever earning a decent living should land in a beautiful—paid-off!—placelike this is absolutely incredible. I should still be dodging bullets and fighting off car thieves downtown, or trying to sleep through the midnight serenade of boomboxes and remote car door lock quacks and yaps from an apartment-house parking lot, or at best hunkered into a condo in some rabbit warren on a main drag in Scottsdale or Tempe.

Amazing how things work out, isn’t it?

deck
The deck from the dining room

Hamburger helpless

Slumgullion is one of the great comfort foods of the Western World. Slumgullion: that would be a stew-like mélange (some would call it “slop”) concocted from whatever fresh and leftover (preferably leftover) food happens to be in the house.

The folks who invented Hamburger Helper recognized this and capitalized on it. You take the contents of a box and stir it in with some fried hamburger; reconstitute some dried sauce by stirring it in, and…uhm…voilà.

Slumgullion under way.
Right: Macaroni a-cooking. Left: Slumgullion under way.

If you have a can of tomato sauce, a little hamburger, some frozen, canned or leftover veggies, and some pasta, rice, or potatoes hanging around the house, you can make your own slumgullion without the “help” of a megacorporation. It may not be cheaper (I don’t buy a lot of processed foodoids and so don’t know the price of Hamburger Helper), but you can bet it will taste better. And you’ll know pretty much what’s in it.

Slumgullion is mighty forgiving. You can whip it up with as many or as few ingredients as you have at hand, assuming you have some hamburger and something to flavor it up with. I happen to favor tomato sauce or canned tomatoes, but leftover gravy, milk, or wine will do the job. The other day I found chuck roast on sale at the Safeway for $1.27 a pound. I bought a humungous chunk of meat and had the butcher convert it to hamburger (which happened to be selling for $2.27 a pound that day). Most of this was dogburger: intended to be fed to Cassie the Corgi. However, I can’t resist good hamburger, and fresh-ground from a single roast can’t be beat.

So the first night I grilled several patties over charcoal, providing a feast for myself and about a half-dozen meals for the dog. This left a large amount of hamburger to be dispensed with. Last night, shoveling my way through a mountain of burger, I used some of it to build a tasty slumgullion, which made enough for dinner and at least two more meals. The general outline of the recipe looked like this:

You need:
• A large frying pan
 Some hamburger (1/2 to 1 pound, depending on number of people to serve)
 1 or 2 small cans tomato sauce, or 1 can tomatoes
 A splash of red wine, if you have it; or some beef broth; or some milk
• Leftover or frozen veggies (I had a few frozen asparagus spears, some frozen peas, and some frozen corn)
 An onion
 Some garlic
• A splash of olive oil or other vegetable oil
• Whatever herbs you have around the house or garden (such as thyme, marjoram, basil…anything will work. I used some dried herbes de provence)
• Some ground cinnamon
• Cooked pasta, leftover mashed potatoes (!), or rice

Dice the onion. Coarsely chop the garlic.

Skim the bottom of the frying pan with oil. Over medium to medium-high heat, cook the onion until it begins to caramelize (i.e., to brown). Lift the onion out of the pan and set it aside on a plate or in a bowl. Put the hamburger into the hot pan; add the garlic and the cinnamon and cook, stirring occasionally, until the meat is done through. Add the herbs. Stir. Add the tomato sauce or canned tomatoes. Stir. Bring back to the simmer. Add the frozen vegetables. Stir around and allow to simmer until the veggies are cooked.

Meanwhile, reheat mashed potatoes (you can microwave them) or cook the pasta or the rice.

Assess the slumgullion. If it seems too thick to act like a sauce (it should be about the consistency of spaghetti sauce, IMHO), add another can of tomato sauce or a splash of red wine or some beef broth or milk to achieve the desired sauce-likeness.

Serve the miracle elixir over the starch of your choice. Top with some parmesan or other grated cheese, if desired and as desired.

This concoction, which is about as down-home as you can get, serves nicely as a full meal. You can add a salad, if you think you can get around it, to create an even more complete full-meal effect. Sooo good on a cold day! And it gets better when it’s reheated the next day.

Moments of Fame

Doughroller kindly featured Funny’s squib on decluttering and recluttering at the top of this week’s Editor’s Picks for the 159th Festival of Frugality! That is very flattering, especially since the festival features quite a few excellent and entertaining posts. Saving Advice, for example, touches on one of my pet peeves: neighbors who jam their garages with junk and then leave the rolling stock parked on the driveway, in the front yard, and along the curb. At Value for Your Life, Amanda discusses her strategy for implementing her 25% Grocery Savings rule; before you read that post, definitely click on the first link in her post, where she describes the amazing result of her scheme. There’s a nice conversation going on at Cash Money Life that Patrick kicked off by explaining why he chose a PC over a MacBook. And speaking of decluttering & recluttering, if you’re of the female persuasion do check out Paula’s great commonsense steps to cleaning out and intelligently restocking your make-up stash.

The 92nd Carnival of Money Stories is up at Gather Little by Little—don’t miss the opening photograph! His favorite is a thoughtful story from Trisha at Empowering Mom, titled Are You Waiting for Your Ship to Come In?Funny’s rant about the dilution of pool testing chemicals appears among the money stories. At Free Money Finance, FMF realizes that one possibly ought not to be put off from buying online by an outrageous-sounding shipping bill. On a subject of interest to moi, Jeff Rose at Good Financial Cents shares a client’s experience with long-term care insurance. And at Blueprint for Financial Prosperity, Jim mounts my favorite hobbyhorse and takes a ride with The Total Cost of Owning a Dog.

Clever Dude hosts this week’s Carnival of Personal Finance with a highly original “fairy tale” narrative. Speaking of the cost of dog ownership, My Journey to Millions suggests making some provision in your will for the care of pets that survive you. To my mind it’s a little extreme to set up a trust in the name of your cat, but it might be a good idea to state specifically who is to take care of Fifi…and, uhm, to let that person know about it before you pass through the veil. Saving to Invest offers a very good guide for prospective apartment renters. Prime Time Money reminds us that it’s not too late to max out your contribution to your Roth IRA. Funny’s reflection on 2008’s best and worst personal finance strategies appears among this week’s CoPF selections.

This week’s Make It from Scratch Carnival appears at The Daily Dish. Once again, the food is to die for. If you love portobello mushrooms as much as I do, you’d better check out Simply Forties’s mouth-watering tomato broth with portobellos and spinach over gnocchi…good grief! By way of gilding the lily, she also explains how to make gnocchi. I went over to see Stephanie’s post on coffee liqueur, and by golly, what should come up but the very thing my mother used to make. It’s a lot cheaper than Kahlua and it tastes the same…or better! As a bonus, Stephanie also tells the story of how the MIfS Carnival came into being. Speaking of hoots and my mother (who crocheted like a wizard), My Recycled Bags is at it again, with a pattern for a great green shopping bag. I have got to relearn how to crochet! Funny’s contribution to this edition was the recipes for black-eyed peas and cornbread.

The Writer’s Coin hosts that blog’s very first carnival with this week’s Money Hacks Carnival, where Tina and I submitted our Copyeditor’s Desk post on setting freelance fees. At a blog I haven’t seen before, Pizza for a Dream presents a nice little fable for our times about a potato farmer and an apple farmer. Wealth Junkies discusses the pros and cons of short refinancing…nice trick if you can pull it off. And here’s something to look into, if you can afford to have a ton of money sitting in a bank: Mr. Banker reveals that some banks subscribe to a federal program that guarantees ALL your money in noninterest-bearing deposit transaction accounts. You learn something every day!

w00t! Merry Christmas!

M’hijito got me an AirPort, hooked it up to the stereo in the front of the house, and persuaded it (after an hour or so of technodinking) to talk to the Mac. Then he produced an external hard drive and loaded his entire lifetime collection of 14,100 songs into iTunes!

LOL! Now I shall have music wherever I go.
🙂 😀 🙂

May every reader’s Christmas be beautiful and fun and full of love.
For a Christmas money chuckle,try this one out.
And may none of you be reading from the Chicago airport.
snow

Photo:Mila Zinkova

Moments of Fame

We have a new PF carnival out there and its very first edition is online: the DIY Jubilee at Financial Wellness Project. The carnival is still quite small, but I’m sure it will grow. Funny’s discovery that ashes will polish silver appears among the 10 selections. If you’re craving a big weekend job that will save you some bucks, check out Condo Blues’s elaborate how-to on sealing leaks in your ductwork. On a related topic, Heather at the Greenest Dollar discusses insulating your home. And if all that work leaves you craving some play, check out the kid-friendly DIY Christmas presents at More4Kids Family.

Back in the land of vast carnivals, Andy hosts the 184th Carnival of Personal Financeat Saving to Invest. He’s in Australia just now and kicks off the round-up with a photo of the Sydney Opera House. More pix of that amazing country follow. Here’s a useful reference for those who tweet:at Bible Money Matters, Peter lists 125 PF bloggers who haunt Twitter. Four Pillars has a lively discussion going about a pet peeve of mine, business owners who advertise their Christianity. BripBlap wonders if saving might be stupid…and after losing a fair amount of my shirt (and bra) in the market, I’m beginning to wonder, too. The real stupidity, IMHO, was in not seeing where the Bush Administration’s voodoo economics were taking us and so failing to prepare for recession as soon as Dubya and his puppetmasters took office. Speaking of planned obsolescence (which I suppose is what the two-term limit amounts to), Funny’s less political comment on the same appears in this carnival.

Dorian Wales has posted the 90th Carnival of Money Stories at The Personal Financier, where Funny’s rant about privacy-invading call center employees appears. SVB makes editor’s pick here, with a savvy list of ten things to do when you get laid off. StumbleForward.com writes on a subject that I haven’t seen discussed in any other PF blog: the timeshare scam. Author Christopher Holdheide describes several ways to get out of a timeshare…it ain’t easy! No Debt Plan discusses the comparative advantages of 30-year and 15-year mortgagesand comes up in favor of the 30-year plan.

The Festival of Frugality has jumped the pond for its 157th edition and landed at Miss Thrifty’s site. The highlight here is a gracious and beautiful video message from the Queen of England. After that we turn to the posts, headed up by an extremely interesting list of clues about cell phone usage from MobileMaven. At Budgets are Sexy, they’re figuring how to send the Mrs. through graduate school. Frugal Homemaker Plus is startled to learn that she’s single-handedly bringing down the world economy with her miserly frugal habits…she and all the rest of us cheapskates, eh? Speaking of miserly curmudgeons, Funny’s rant about clutter appears in this carnival.

This week’s Make It from Scratch Carnival appears at Adventures in the 100-Acre Woods. As usual, a lot of dangerously delicious recipes appear in this round-up. Uh oh…check (heh) out this close-to-authentic Czech potato salad. Believe I’ll make some of that today. Mary at Simply Forties suggests trying a duck for your holiday dinner—M’jihito and I did it for Thanksgiving, and I can testify that the results were well worth the effort. Almost Frugal Food posts five wonderful ideas for using leftover cranberry sauce…some of which look better than the original use. Funny’s series of recipes for Christmas dinner appears in this carnival.

The 44th Money Hacks Carnival is up Where Are You Now. Funny’s justification for hiring a couple of cleaning persons surfaces in this round-up. Scott Crawford at DebtGoal has an extremely interesting article about the possible unintended consequences of the pending credit-card reform regulations. Hm. We may all soon be paying for purchases with cash, check, or debit card. Dividends for Life discusses investment in long-term bonds and considers whether this is a good time to buy. Mr. Tough Money Love looks askance (far askance!) at Our Beloved Leaders’ strategy to combat the recession. And at a second site, Go to Retirement, the same author ruminates on the advisability of waiting till age 70 to collect retirement.