Sunday, January 11, 2015

Waste Not {and a No Spend Challenge}

sunset sunset string games through the girls' window through the girls' window (and screen - hence the blurriness) waste not (making tea and saving the peels for a cleaning solution) waste not (making tea and a cleaning solution)

Budgeting, debt, healthy food... these topics seem to be constantly on my mind

Where do I begin? Steiner quotes are always a great place to start. I came across this one recently and it really resonated with me:

On trappings
Many people believe that the materialism of our modern time arises because so many materialistic writings are read. The occultist, however, knows that this is only one of the lesser influences. What the eye sees is of far greater importance, for it has an influence on soul processes that more or less run their course in the unconscious. This is of eminently practical importance, and when spiritual science will one day really take hold of the soul, then will the practical effect become noticeable in public life. I have often called attention to the fact that it was something different from what it is today when one in the Middle Ages walked through the streets. Right and left there were house façades that were built up out of what the soul felt and thought. Every key, every lock, carried the imprint of him who had made it. Try to realize how the individual craftsman felt joy in each piece, how he worked his own soul into it. In every object there was a piece of soul, and when a person moved among such things, soul forces streamed over to him. Now compare this with a city today. Here is a shoe store, a hardware store, a butcher shop, then a tavern, etc. All this is alien to the inner soul processes; it is related only to the outer man. Thus, it generates those soul forces that tend towards materialism. These influences work much more strongly than do the dogmas of materialism. Add to these our horrible art of advertising. Old and young wander through a sea of such abominable products that wake the most evil forces of the soul. So likewise do our modern comic journals. This is not meant to be a fanatical agitation against these things, but only indications about facts. All this pours a stream of forces into the human soul, determining the epoch that leads the person in a certain direction. The spiritual scientist knows how much depends upon the world of forms in which a man lives.
Rudolf Steiner, Stuttgart, 14th September 1907

Oh the trappings. Kevin and I have fallen prey to many trappings leaving us nothing but debt and unhappiness. It's a bit embarrassing for me to admit it but it's the truth. I know I am not the only one and that many of us spend what we don't have. It has become such an American norm.

Kevin and I have been dealing with debt for a long time, pretty much as long as we have been married, and have tried fighting it off and on. But we were never fully in. Our debt has now grown and I think a portion of it is that I tried to buy myself happiness since we moved from Portland. I know, I know, big mistake. We had this vicious cycle going of falling short on money for groceries so we'd use a credit card to pay, just to get by until the next month but then the next month would come and it would be even worse because we would owe the money we used to pay for last month's groceries (with interest) and still need to somehow buy that month's groceries. This cycle just kept on going, getting worse and worse with each month.

But where was all of our money going?! We had been budgeting yet we still were blind to the obvious. A huge chunk of our money was going to credit card bills (and groceries, but I'll get to that later). Last December our eyes finally saw the truth and Kevin and I were finally ready to take this on. Being on the same page as your spouse really is key, I can see why we failed so many times before. We took action immediately and cut up our credit cards. No more! We watched some Dave Ramsey DVDs I picked up at the library and listened to his shows, thanks to quite a few of our friends recommending him to us. We felt we had the right tools to make this work and become debt free. I know it won't be a fast process nor will it be any easy one but we are committed to not give in and use credit cards again. AKA Cheetahs!

Of course this means I am now on a yarn diet (sigh) and we will have to be very careful with (as in pretty much not buying) any extracurricular spending including things like our homeschooling curriculum, art supplies, etc. But instead of allowing self-pity to set in, taking this on has inspired me to see just how little we can buy. Really I need a challenge to keep my head in the game (no more yarn!! Sob, sob). So I decided to do my own "No Spend Challenge."  No spending on anything outside of my absolute necessities (such as food and rent). I thought I would document it for a year (maybe more) and check in each month to see how I am doing. Would any of you be interested in joining me? It's always great to have accountability partners.

I was hoping to write about how our budget is changing while still staying with healthy, organic food and share some recipes tonight but I think I may have already said quite enough! I will come back to that but in the meantime I have to mention a book I found back in December that inspired me to make the changes - Wildly Affordable Organic. I am so grateful I found it!

I will close with a very budget friendly cleaning solution recipe. One thing I learned from the aforementioned book is to waste nothing and use every last bit of anything you have. I had that in mind as I was juicing some grapefruit for a batch of my favorite tea a few weeks back (recipe found here).

We were just using vinegar to clean our home but I never could get past the smell. I remembered a friend back in Oregon making her own cleaning solution with just vinegar and citrus peels and it smelled great. Not to mention the citrus helps the vinegar become even more powerful for cutting through grease and grime.


All Purpose Citrus Vinegar Cleaner

All Purpose Citrus Vinegar Cleaner

You'll need:

A glass jar (we re-used a honey jar)
Citrus peels (orange. lemon, grapefruit, etc.)
White vinegar
A spray bottle (I just re-used an old Mrs. Meyers spray bottle)

Instructions:

Every time you eat or use citrus fruit, peel or cut the skin off and place it in your glass jar.
When your jar becomes full (takes about a week or less for our family), fill it with vinegar to the top, twist on the cap and let it sit for two weeks. I like to mark my jars with the date I closed them up so I know when they will be ready.
After the two weeks are up, remove the peels, (I put mine in the garbage disposal and they still had enough scent in the to make it smell nice) pour the solution into your spray bottle and dilute 1:1 with water.
That's it! Now go clean your home. We use it for cleaning everything around here and since we already have everything on hand or were going to buy it anyways, this ends up basically being free!

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Comments (34)

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Yay Nicole! I had been wondering how things were going. It's not as tough as you might think, once you put your mind to it. In the yarn dept. (and fabric for that matter) I generally only buy now when I have a pattern/project in mind. I make a list of what I plan to make over the next few months and stick to the list, just like you would a grocery list when you need to keep a budget. I usually work only one project at a time and see it through before going on to another one. I try to keep only yarn that will fit into my one bin, and put the pattern along with the yarn in a Ziploc so I remember what it was purchased for. If you have a built up a stash, try to knit it all up this year only working from it. I have told you about my story and my path to Dave before, but just so you know you aren't alone, it got pretty ugly with the craft hoarding before I got with the program. I am embarrassed at the amount of stuff that I once had, filling an entire room, and so much of it I had no desire to use anymore. I have sold and given away so much, and it lifted a burden off my shoulders (big time) to no longer feel like I had to complete all those projects. I now stick to knitting and sewing and rarely start any new hobbies. Just because I "could make that myself" doesn't mean I should! Anyway, all the best to you! Hugs!
Hi Nicole,
I just wanted to say hello and tell you "way to go"! I think it's awesome you guys are taking the bull by the horns! My husband has just gone through and looked at our money (& debt!) with a fine tooth come and had worked out a budget and a timeline (18 months of heavy duty living on this budget) until things loosen up. I'm grateful for the movement regarding this issue! A "no-spend" challenge sounds good. It didn't occur to me to make it a challenge. I think that would help!

I'm trying a cocnut yoghurt recipe tongiht if it works out I will let you know ($ 4 vs. $ 20!)

All the best to you and Godspeed!
Our grocery bill each month is sinking the ship, I say! I was never really taught how to be frugal. In some ways, compared to modern living, I think I am frugal - no fancy phone or data package, no tv service/cable/antenna, no makeup or luxury clothing. But the grocery bill! We have so much debt to tackle and this grocery bill is dragging us down. How do we be frugal and still serve up real whole food meals? In this day and age, it feels impossible to get ahead! So, I continue to look for the sunny side. There has to be a sunny side!
We are in this exact same place ~ and you are right ~ having your spouse on the same page is key. And small steps. Love the orange peel idea, we will definitely try it. Have a great week.
Fantastic. The constant buying-new-(and-perfect-for-each-project)-stuff is something I'm really bored of about craft-blogs (because who can, really?). And oh the wool-part about knitting sites.
We are not in debt, but currently in a difficult financial situation. And instead of sobbing over it I embrace it as a really informative period in our lives. I always thought we were frugal. But now I discover so many traps. E.g. I was convinced I needed to buy woolen underwear for my girl this winter, and oh, kids are the last part where I'd retain money. But last minute I remembered I had old woolen sweaters lying around. And so I sewed. And now that girl of poor parents wears cashmere and the like! There are so so many traps and I think it really takes a long time to see them all. But it's so satisfying to go a different way. And the best: It's more sustainable! Not to mention the creativity and resourcefulness!
Can't wait to read more! And wish you the best with all!
Hubby just announced a no spending rule for 3 months to get debt down. So I am with you. We live so simply and modestly if you saw our rental property you'd wonder how we got in to debt. I guess one income doesn't help and also I buy mostly organic and we have no public transport so cars are costly etc. I clean with vinegar too but I've had a simple recipe pinned on pinterest forever and I haven't made the citrus cleaner yet. So thanks for the inspiration to get going on it:)
My family (husband and two little boys) live on a farm so we are able to grow a lot of our food and keep chickens and bees. However, after nine years of living here (in 2013), the deer came through and ate an enormous amount of our garden in one night! It was so disheartening as such as we love to have them so close to the house they look right in the window at us. The obvious answer of hunting them doesn't work for us, as we are life-long vegetarians. So, we had to dismantle our gardens and move them behind fencing (not an inexpensive or quick process.) So, we went almost all of 2014 without much garden to speak of and it really hurt our wallet. We simply can't afford to buy the quality of food we can produce (at least, not in the variety and quantity we can produce.) However, we decided not too worry too much as we feel it is an investment in our health and buying cheap, processed food is a false economy. One thing that helps us (and seems obvious but not easy for all, I know) is to just eat less. We have never been overweight but we have been able to be mindful about our consumption without becoming skeletons or feeling hungry all the time. And those little bits of food your young ones always manage to leave on the plate, they can be saved and reworked into all kinds of other meals. Having chickens helps with this as they get our scraps and give us eggs in return so no waste there.
As far as craft supplies goes, my whole family (parents included) volunteer at our church's charity thrift shop. You would not believe the items that are donated which are perfect for your artistic endeavors. Wool sweaters to felt, beautiful yarn (donated from the yarn shop down the street), paper/cards/stationary, the list goes on. Perhaps you can find a similar source where you live. Though I echo the recommendation above to work with what you have. I try to do this yearly and use the items I have as the source of inspiration for what I make, rather than trying to find the supplies for a particular pattern. Kind of like eating what you have versus buying ingredients for a certain recipe. Best of luck and I look forward to reading about your progress. God Bless!
I forgot to mention a book you might find helpful. "The Organic Artist" by Nick Neddo. It is new (just out this month) but perhaps your library might get it for you or you might consider it your one indulgence during this challenge (I think I paid about $13 for it.) The most beautiful example of creating art with gifts from Mother Nature that I have ever seen. Peace!
Thanks for sharing the quote Nicole. I've been thinking about this a lot lately. Over the years we scraped to put our daughter in private school because our public system was so awful and I had to work to make bills. Most of the other student's families are much more well off than we are and I hear it's materialistic effects on her more and more. I see her falling into the same "stuff" trap that I did when I was young.

On another note, one thing that helped me keep from spending throughout the month was to allow myself to purchase one item for myself at the end of the month. I was good all month, and then would get a treat...usually something I needed anyway like new work shoes or a sweater (but I always made sure I had money to cover it!). I agree with you 100% that we should not waste, but struggle with it hard under the influence of our throw away culture. This is something I'm hoping to move toward more in 2015. I look forward to hearing how it's going in the future.
I don't comment all that often, but I love your blog and have been reading for years. Thank you for this post today! We are in the same boat. My husband and I vowed to start the new year off on the right foot (we are also on the Dave Ramsey plan) and January is our "no spend month." While at first it was anxiety inducing, I am some what enjoying stretching our meals, eating out of the pantry, and just generally trying to keep costs down as a whole. We have a long way to go, debt-wise (our story mimics yours). But I know it is possible, and that there is joy in finding contentment.

Also, one particular book I recently checked out at our library was "Zero Waste Home" by Bea Johnson. While I don't think our family will ever be at the level of zero waste that the author and her family are, she has some amazing tips including using natural ingredients for cleaning, etc.
We're buckling down and trying to get rid our last non-mortgage debt before Henry is Kindergarten aged next year, because if we get rid of those bills I could go part time and I hate knowing that I'm currently working full time to cover those debts =( I'm kind of using DR principles, but have been using "You Need a Budget" software to track and plan since August and it's worked.... we have a buffer in our checking again, we'll have our Credit Card and a personal loan from a family member paid off by this summer (CC should be paid off in February actually) and then (hopefully) our Student Loans done by time the school year starts the next year.

Good luck, I'm right there with you!
I'm actually moving into a house with some friends out of a one bedroom apartment that I've lived in by myself for 3.5 years so I can save money and get out of debt. The student loans will follow me forever, I'm afraid, but I can kick that car loan and those credit cards if I'm smart! Best of luck. Money isn't something I was taught to be healthy about, either! It's either spend spend spend or "no, buy this thing because it saves you .01%!" and no happy medium!
If you find not buying beautiful craft/sewing/knitting materials hard, I suggest you'd look at some beautiful posts about using the stash here: http://thecraftsessions.com/blog/?category=Stash+...
Felicia's writing is lovely and it helps to look at what you already have with fresh eyes.
Having gone through quite a few years of no spending in the past I can say it is totally doable and I wish you good luck!
Can I suggest reading a blog that has helped and challenged me in the past? NW Edible Life is written by a woman who cherishes sustainability - both for the environment and for oneself. Last year she did a whole segment on no-spending, eating out of the larder, sticking to a budget, and stashing away money for emergencies. I found it inspiring. http://www.nwedible.com/topics/productive-home/fr... She lives in Seattle and has a HUGE garden on a small city lot. It's amazing what she produces.
Several years ago, I did a Buy Nothing Year--more to reduce my impact on the environment than save money, but the effect was the same, I think. I did allow myself to buy supplies to make things (like gifts) and I did end up buying one book (I had a coupon!) and things for my car (tires, muffler, etc. Can't get around that). It was a fascinating experience--it really stretched me with regard to thinking about what is necessary and what is fluff/luxury/wasteful. It didn't stick, but I think it did have a long-term effect on how I spend money, what I choose to purchase, and what I can live without. (I wrote an excessively long blog post at the end of the year here: http://remainsofday.blogspot.com/2009/01/buy-noth.... Good luck!
First of all, your first two photos are amazing! I love them!!!

We've been doing the Dave Ramsey plan for almost 10 years now and I absolutely love it! The secret is just consistently sticking with the plan and your budget, year in and year out! We're working on paying off our house now. It's hard work but so worth it!
Also check out: www.mrmoneymustache.com My husband is in love with this blog!!!
1 reply · active 533 weeks ago
i can very much relate. i would love to join you! keeping on a tight budget can be so difficult when you go it alone.
I wish you the best of luck with your challenge! It's admirable, I have to say. I look forward to following your journey and maybe learning new things along the way, well, this Citrus Cleaner is now at the top of my "must try" list so that's at least one thing already. You can do it!
If you google it, there is a similar way to make apple cider vinegar from your apple "waste"...peels and cores and such. I have finished a batch but haven't actually tried it yet. It smells just the same as store bought. I wish I could remember the site I found it on, specifically, but there are a whole bunch that are almost identical.
I think this is a topic that we all can relate to in some form or fashion. I will second the Dave Ramsey program. Our family took his course about two years ago. He gives you very doable steps to reduce your debt and get you on a budget. The greatest feeling was when we cut up our credit cards, and paid off all credit card and medical debts. Take a peek at Dave's website, http://www.daveramsey.com/home/. My heart is with you as you regain control! You can do it!!!
Nicole, I am so with you on all of this! We are waiting in limbo right now to see if a house we've owned for years is going to sell at auction and what we will owe on it. Depending on that, we have two not so fun financial options, and we are buckling down in preparation for that. I love the Dave Ramsey programs; just revisited his Total Money Makeover last month! I also wanted to tell you that a drop or two of EO with your vinegar works pretty well to get rid of the vinegary smell.
Good luck with your no spending challenge!
My partner and I are constantly working on limiting our spending. It's a necessity (I don't earn much, and he is working on paying off his student loans), but it's also a lifestyle value for us. Ryan is constantly bringing up the different between being frugal (buying a few necessary things of high quality) and cheap (buying lots of inexpensive tat).
Unfortunately 3 solid months of celebrating (lots of October birthdays on both sides of the family, then we hosted gatherings for Thanksgiving and Christmas) has left our grocery budget in shambles. I'm working on getting us back on track though, by planning frugal meals (lots of lentils, simple cooked grains, cabbage, and root vegetables) and sticking to the list when grocery shopping. We try to avoid processed foods (even organic ones) so eating healthy is a bit of a time commitment (I make things like vegetable broth, yogurt, and all of our bread), but I really do feel it's worthwhile in the long run. Ryan needs to monitor his sodium intake, so knowing EXACTLY what's in our food is really important.
1 reply · active 533 weeks ago
great post, so many of us know where you are at with debt issues. I would ditto the above but just add from my own experience that it can be very hard to maintain a very tight budget over an extended period and planning in some 'treats' can be helpful to prevent expensive blowouts (i am prone to this!). Looking out for crafting, clothing and outing bargains can be one way of planning for treats and keeping you financially on track, i also find avoiding the shops and being careful where you look online helps and having your partner on board and sharing here are great ways to help. I order store cupboard stuff from a wholesale vegetarian collective monthly and have an organic veg box delivered weekly. I've found this way i can avoid the shops, know what my spend is, get great prices and enjoy organic food and products, which people often think is out of their reach if they are on a budget. I co-ordinate our collective order and all of us in the group get good deals, i teamed up with folk i met when my kids were at the waldolf kindy years back. Maybe easier said than done, but if you can team up with local like minded folk that might work for you guys too. Go well!
Good for you, Nicole! I think it's wonderful that you wrote about this here. I think debt creates a background stress in our lives that can have such a negative effect. It's hard to deal with. We're working on sorting out finances after moving, and we certainly know what it is to be extra mindful about spending, at various times in our married life. I like your honesty in talking about trying to buy yourself happiness - I think everyone has done that at one point or another, bought something to cheer themselves up. I think when you want to make a change, it helps to think in terms of replacing old patterns with new patterns. I think your Christian faith will be a huge help, support, and comfort for you - I know mine has been for me. I tend to try to deepen my spiritual practice when struggling with issues of materialism. I'm Anglican, not Catholic, but I love the tradition of praying the Daily Office - morning and evening prayer. It puts a different perspective on the days! Blessings to you!

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