Coffee heat rising

Fast & easy one-dish meal…

…in which The Human nabs some of Little Dog’s food and turns it into dinner.

Don’t panic! As some of you know, dog food around here is really human food. We’re still working on the mound of hamburger we got for $1.72 a pound when the Human had an on-sale roast ground at the butcher counter.

Half starved (having consumed one piece of cheese and a handful of blueberries all day long), I didn’t want to wait while food defrosted and the charcoal caught and on & on.

Little Dog needed some rice, she having consumed the leftover potatoes from two nights ago. And some meat: defrosted burger was waiting to be cooked. Since I had to cook the beef and the rice anyway, here’s what I came up with by way of a fine dinner shortcut:

dcp_22021You need:
-As much hamburger as needed for the number of humans on hand
-Ditto, cooked rice or macaroni or potatoes
-A couple cloves of garlic, chopped
-A handful of fresh spinach, chard, or any other stir-fryable or frozen vegetable
-A couple of green onions, chopped
-A tomato or two, cut up
-A small handful of pecans or walnuts
-Some honey
-A little olive oil
-Cinnamon
-Salt and pepper

My hamburger was already cooked, because you can’t feed a dog garlic and onions. Bad garlic, bad onions! But if I were going to fix this for humans only, here’s how I’d combine the ingredients above:

Skim the bottom of a frying pan with a little olive oil. Over medium heat, cook the garlic and the nuts briefly—don’t let the garlic scorch. Turn up the heat a bit and add the meat. Stir until the meat cooks through. While the meat is cooking, add a little honey (oh, a tablespoon or so), a bit of cinnamon (turn the grinder a few times, or use about 1/8 to 1/4 tsp.), and salt & pepper to taste. When the meat is cooked, add the spinach and green onion and stir around till the leaf vegetable is appropriately limp. Then add the tomato. Toss gently to heat through.

Serve this slumgullion over rice, noodles, macaroni, or potatoes. Very good. Very fast.


Foreclosure: Not all bad

Yesterday as I was chatting with the tile guy at the former home of Dave’s Used Car Lot, Marina, and Weed Arboretum (recently foreclosed upon, bought out of auction for $162,500, and resold to a flipper for $192,500), up comes a perky blonde Realtor. She was meeting a buyer there to eyeball the place.

Asked what they hope to get for the place, she showed me a listing sheet: $269,900.

Well. That’s not a disaster, all things considered: if they get $260,000 for it, the value of my house (relatively) at least will not drop below what I paid for it four years ago. My place certainly won’t sell for anything near $300,000 anytime soon (it was valued as high as a giddy $375,000 during the bubble), but at least I’m not going to go broke. Yet.

Really, as long as the new resident is not another biker, another furniture-flinging berserker, or another slob, the trade-off will be worth it. Cleaning up that pigpen across the street transforms this part of the neighborhood. If the place stays halfway decent, I can get rid of some more of the shrubbery designed to screen my front windows from the view of Dave’s hovel, which will improve the looks of my place considerably. And over time, without the drag of that run-down property, values should improve. If nothing else, at least the street is now a more pleasant place to live!

Tip’d is official

If you’ve been awake in the PF blogosphere lately, you’ve probably heard of Tip’d, a new personal finance social networking site that’s been a-building for awhile. Well, it’s out of beta format and has “gone public.” Check it out!

For some reason, it seems easier to use (to my mind, anyway) than other social networking sites I’ve looked at. The layout is really attractive—soothing to the eye and handsomely designed—but more to the point, it’s extremely simple to navigate. The right-hand sidebar gives you many clues to what’s current, with a “what’s hot” list, latest comments, and the “20 top tags” cloud. Though the footer is a long way down the homepage, it’s worth scrolling to for its links to handy tools and the community blog.

I like it! 🙂

Is frugality unAmerican?

One narrative subplot in the ever-escalating media buzz over the economy is that the new fad for frugality, for paying off debts, and for living within one’s means is bad for America and bad for the global economy. When people stop buying, the story goes, retailers stop selling, lenders stop lending, importers stop importing, and manufacturers stop manufacturing. All the worthies in these sectors then close stores, go belly-up, and lay off employees, who are forced to behave frugally, pay off their debts, and live within their means, causing more retailers to stop retailing, more lenders to stop lending, more importers…and so on to infinity.

So it is that seedy characters like you and me, eccentrics who subscribe to the wacky theory that we should spend no more than we earn, refrain from buying every piece of junk set under our noses, and maybe even put some of what we earn into savings, are responsible for bringing this country to the brink of depression.

Yes. That’s you and me, fellow PF blogger: our little terrorist coterie has darn near brought about THE FALL OF THE AMERICAN EMPIRE! Worse! THE COLLAPSE OF THE ENTIRE PLANET’S ECONOMY!

Think of that.

Well, I am thinking of that. And I think not.

The way I see this, we’ve arrived in our present predicament not because consumers stopped spending but because they spent so much, so profligately, and so stupidly. Consider: If over the past two decades 80 percent (say) of Americans had been living within their means—if they had been educated adequately on personal finance matters and understood the basics of lending, saving, budgeting, and investing—we would not be in the mess we’re in.

  • Most Americans, having navigated clear of the shoals of unmanageable debt, would have plenty of money to spend on the things they need and—yes!—want.
  • Few people would have been naïve enough to get themselves into booby-trapped mortgages for absurd amounts of money that King Croesus himself couldn’t afford.
  • Most people would have had a fair idea of what a house is really worth. Because the public in general would have resisted buying at absurdly inflated prices, real estate prices would never have blown out of control, and so no housing crisis would have occurred.
  • Retailers would still be selling products at a steady pace.
  • Manufacturers would still be making products at a steady pace.
  • Layoffs would not be occurring.
  • The President of the United States would never have thought of responding to the horror of 9-11 by telling Americans to go out and spend themselves silly. (Who knows? Maybe his speechwriters would have been forced to come up with something more worthy of a world leader, like “We have nothing to fear but fear itself.”)

Nope. We ants are not responsible for the collapse of the economy, nor are we the ones who are digging its grave. The grasshoppers did it. The grasshoppers and all the greedy little critters who got rich off them.

The newfound penchant for frugality that the newspapers and broadcasters tell us is now the hot fashion will no doubt pass. But if it doesn’t, that won’t be a bad thing. We will have hard times—we’re going to have hard times whether we all go out and load up our credit cards or not. But if members of the American public learn to get a grip on their spending and figure out how to manage their money so they can have what they want without getting themselves over their heads in debt (or if, more amazing still, they figure out what’s really important in life), in the long run the economy will be healthier and stronger. And the world will be a better place.

Moments of Fame

The 179th Carnival of Personal Finance is up at Money Ning, where Funny’s squib on speculators bidding up real estate appears. This is a very large round-up. Check out Cash Money Life’s advice on year-end retirement investing. The five recession-proof ways to get hired at Just Thrive may interest you, especially if you’ve just been laid off or are about to be. If rehiring isn’t in your future, though, My Wealth Builder has an interesting post on taking early retirement during the downturn.

At what I hope is the right site this time, Make It from Scratch has posted this week’s Make It from Scratch Carnival, where Funny’s discovery about olive oil as the skin care product from heaven gets a mention. In the “Wish I’d Though of That” department, FWP came up with an awesome idea for clothesline rope, described at Financial Wellness Project. If you’re into amazingly wonderful food, you’d better check out Mary’s recipe for wild mushroom strudel at Simply Forties. If that’s not enough to impress your Thanksgiving guests, follow it up with Mama Bear’s thick & chewy chocolate chip cookies at I’ve Got a Little Space to Fill…good grief! And if you enjoy photos of extremely cute kids and tales of what moms will do for them, check out ChristineMM’s great story at The Thinking Mother.

Financial Wellness Project hosts the 152nd Festival of Frugality, where the recession has come home to roost. Funny’s plans for living in poverty over the next 2½ years appear there. Credit Withdrawal reports that frugality has become fashionable, highly entertaining. John is Fit reveals four ways to get PR people to send you free stuff (fifth way is to get on the staff of a popular magazine!). The Shark Investor comments, as I did Monday 11/18, on the new trend to blame the deprecession on frugality. This festival has about a jillion really interesting posts—if I highlighted all the ones I’ve enjoyed I’d probably have to paste the whole post in here. Be sure to make a visit!

BTW, FWP announces a new blog carnival, the DIY Jubilee. This sounds like fun—check it out, and send in a submission; next deadline is Nov. 23.

The 85th Carnival of Money Stories is up at Ask Mr. Credit Card, with an entertainingly Snopesian theme of myth-&-reality—about money. In the Karma department, check out Smart Spending’s story about why she did what she did when a friend and a stranger were in financial trouble. Money Ning has a nice piece on how recycling & reusing has helped his financial life. And Budgets Are Sexy wonders what the actual bill for Mrs. Budget’s emergency gall bladder surgery will be.

Stuff tsunami

Spent all of yesterday afternoon at a little party helping a friend go through her deceased mom’s clothing. Some of it. The challenge: decide which pieces, in about ten huge bagsful, should go to the consignment store and which should be yard-saled or sent to Goodwill. Press, fold, and box the consignment-worthy stuff; bag the yard-sale stuff.My friend has already earned enough to take a nice vacation by consigning earlier rafts of the mom’s clothes, and she still has many bags and boxes of stuff left to go. So far, she’s made $1,500 selling clothing through consignment. I’ll bet she’ll tote another $800 worth to the store today.

Mom was a lively gal, very funny and charming. She LOVED clothes, and shopping for clothes was her main source of entertainment. Mother and daughter often shopped together. Most of the stuff they bought wasn’t very expensive—Mom worked at WalMart. But she had a real flair, and quite a lot of it is very cute. She was a sucker for sales, and so much of it was bought at deep discount.

The result was that her apartment was chuckablock full of stuff, stuff, and MORE stuff. The clothing alone, as you can imagine from the prices it’s fetching, was enough to stock a boutique. Then there were the mountains of perfumed bathing supplies, makeup, and various bric-a-brac.

Well, she always looked nice.

As a confirmed cheapskate, this habit amazes me. She was far from wealthy. The only reason she finally got out of a cheap rental in a less-than-ideal part of town and into a little condo was that near the end of her life she inherited a small sum of money. I find myself wondering how much better she could have lived—or even IF she could have lived better—had she bought about a sixth of that amount of clothing over the years and done something else with the money.

I don’t know whether she paid for the stuff in cash or ran a tab on a credit card. Either way: she ended up with money out of pocket and a vast clothing collection in house. Many pockets, we might say, with little or nothing to put in them.

What would have happened if she had put, say, $200 a month in savings instead of into pants, tops, skirts, loungewear, and dresses?

Would it have mattered? She suffered diabetes and failing kidneys. Saving $2,400 a year wouldn’t have extended her life, and it’s hard to imagine that the occasional plump bank statement would have done much to make her life better. If buying clothes made her happy, why not? She supported herself adequately and didn’t depend on anyone else financially.

The only downside, of course, is that the clothing collection poses a huge burden for her two daughters, each of whom has spent uncountable hours trying to deal with a Himalayan range of outfits. Yesterday three women spent five hours sorting through bag after bag after bag of stuff. Even after we kiped the things we wanted, we still filled four big baskets to overflowing for consignment and repacked a half-dozen big black yard bags with yard-sale stuff. And that was only a tiny part of the job my friend faces. On the other hand, going through all the stuff reminded us of her mom, a great old gal who should never be forgotten.

She lives on, in her clothes.
🙂