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!

More shoes…cheap!

Whoa! Frugal Scholar left a lead in a comment on yesterday’s shoe-buying adventure to the effect that you can buy Sanitas seconds (and seconds for many other prominent brands) at a site called Footprints.com.

Well. Naturally I had to shoof that one out immediately.

This Footprints.com outfit IS kewl!!!! If you go to the “SALE!” page you can search by brand AND by size, so you can see whether they have anything that will fit you. Annndddd…what do we find here but the very $110 Sanitas the Shoe Mill was peddling for $120, marked down to $70. And OMG, some of them are actually in cute styles, rather than nurse’s clogs.

Drat!!! No Pikolinos, though. That’s the brand of the hand-made Spanish gems. Presumably if you’re making everything by hand, you don’t have seconds, eh?

Hm. No Naots or Mephistos, either.

But at least a zillion Birkies. If Dansko still fits your foot in its new incarnation, the site shows a bunch of those, too, including some attractive pump-like styles with soles that look sturdy enough to cushion your feet against the pavement. There are a lot of other brands, some of them Birkenoid or Danskoid, some of them of their own kind. They have men’s shoes, too.

And get this: You have as long as two months to try the things out!

{cackle!} I am going straight back to Shoe Mill to find out the brand name of that pair of heels I coveted. If these folks are carrying it, I’m gunna order it from them, straightaway. I may return the Sanitas and replace them with a pair from Footprints.com, too.

Thanks, Frugal!

Shoes

Women’s shoes that do not hurt and do not look like orthopedic appliances for nurses are incredibly expensive.

Hevvin help me, this afternoon I dropped $450 on three pairs of pain-frees. Amazingly fine pain-frees…but my god.

The attempt, undertaken almost a year ago, to buy pain-frees at bargain prices by raiding the Clark’s outlet failed miserably. I did buy several cute pairs of Indigos that seemed comfortable enough in the store. Yup. They were just great, as long as I didn’t try to walk in them. As soon as I tried to walk any distance further than across the store to the mirror, they wanted to fall off my feet, exactly as one would expect backless clogs to do, being nothing other than slides on platforms. I had to struggle to keep them on, and that was very uncomfortable, indeed. Eventually I figured out that they would sort of stay on if I adopted a mincing gait, taking teeny little steps that didn’t require me to lift my feet off the ground for more than a fraction of a second.

Picture, then, mincing a third of a mile across a university campus in shoes that wanted nothing more than to fall off or, preferably, to twist their wearer’s ankle. That’s about how far I have to walk from my car to my office.

Well, hell. I knew better than to buy bargain shoes at an outlet. The immediate cause of the neuromas that have damn near crippled me for the past 20 years was a pair of sweet little heels I bought at a shoe outlet. They seemed comfortable enough—when you’re young, beauty knows no pain. After I’d worn them for a few months (all the time, even walking the dog…which occasionally entailed running), my feet hurt so much I couldn’t walk in anything. I couldn’t walk barefooted, for crying out loud! Not until I tried on a pair of Birkenstocks (ohhh lovely! perfect for officewear) was I able to walk around an amusement park on vacation with my husband and child. It took over 15 years for my feet to get to the point where I could wear anything other than Birkenstocks or Mephistos without excruciating pain. Heels have been out of the question for decades.

So. I should’ve known that shoes that cost something under $40 were going to mess up my feet.

Old, tired, not cute
Old, tired, not cute

I dispensed with the Clark’s Indigo slides in the late great decluttering adventure, tossing them in on top of the mountain of clothes that went to St. Vincent de Paul. Absent the shoes that I couldn’t wear to walk in, I still needed a pair of unclunky brown shoes and a pair of brown Danskos (having worn my beloved old brown pair until they fell apart). So this afternoon, with $2,500 in the much-refreshed savings account, it was off to my favorite purveyor of pain-frees.

There I found that the original Dansko shoe (which died when Dansko was sold and the new owners started having the style manufactured, with evil results, in China) is still produced by an outfit called Sanita. Lo! A pair of Danskos that actually fits like the REAL Danskos used to fit.

Buy: $120.

Then, these hand-made Spanish shoes of amazing cut-out leather, almost lace-like, utterly free of pain, the effect incandescent with élan.

Buy x 2: $320.

That would come to, yes, $440.

Plus 8.1% tax. Don’t ask.

But I was personful: I put back the INCREDIBLY cute pair of heels that hurt only one toe and would have looked so unbelievably awesome with the pin-striped pants purchased in the late great recluttering coup. And I also put back the STAGGERINGLY cute moccasin-like flats hand-made by the same Spanish shoemaker. So, you see…after all, I did not spend $600 on shoes today. What a triumph.

As a practical matter, shoes purchased at this particular emporium last for many, many years. The pair I had on when I walked in the door are about six or eight years old and still fully serviceable. When I went into the closet this afternoon to throw out three pairs of shoes to make way for the three new pair, I really could find only one pair decrepit enough to justify tossing, and I haven’t bought good shoes in more than two years. Guess I’ll have to count the three pair of Clark’s clogs I tossed as the “one out for every one in.”

I think that, especially where shoes are concerned, it’s better to spend more on good products less often than less on shoddy products more often. I dunno about you, but when my feet hurt, I’m miserable. And most shoes hurt my feet. Women’s shoes are designed to hurt your feet: a good 95 percent of them are bone-crushers. When you find well-made shoes that don’t hurt and aren’t hideous, you should buy them, cost be damned. When I pay $120 for pair of Danskos Sanitas that last upwards of six years, their actual cost to me is about $20 a year.

So. In 2009 I’ll pay $75 for the use of three pairs of not-hideous, fully pain-free shoes.

Not a bad buy, eh?

shoesJan08

LOL! The pair on the left is not really peacock-colored. They’re black and a subdued green, with gold thread decoration.

The sequelae to this story appear here and here.

She who squawks gets

So after our Copyeditor’s Desk client tried to faze an indemnity clause past us in our 2009 contract, I politely demurred. We couldn’t, said I, sign a contract in which we promised to pay their lawyer’s fees for any action they should take against us, regardless of whether we were in the wrong or the right. In Arizona, I observed, courts generally award lawyer’s and court fees to the complainant if the suit is found to have substance. And, I added, the proposed arrangement was not fair to us.

It worked. The client allowed as how this paragraph was a piece of boilerplate she’d lifted off the Web and thanked us for pointing out its unfairness. She asked that we simply cross out and initial the offending passage and said the company would accept the revised agreement.

What a relief! Naturally, I wasn’t happy about causing a stink over a contract with our bread-and-butter client. On the other hand, there’s no way we could have agreed to any such arrangement. Better to go hungry now than to be pauperized later by circumstances over which you have no control.

A$k, and ye shall re¢eive.