Thursday, June 23, 2011

Making Money Your


Thursday:


Wow, you can really feel the energy here in Minneapolis at Netroots Nation 2011 – the vibe is so much better than at Starbucks where that fascist Mr. Rodriguez keeps oppressing me by insisting that I get to work on time!  Because of the capitalist system under whose yoke we all groan, I had to get the money to come from my parents, which is only fair since they have money and because of George Bush I don’t.  I heard Dad joking about how he was “delighted to have that 30-year old bum out of my basement for a weekend.”  Mom gave me a ride to the airport in the Explorer and on the 747 I had time to write up a Daily Kos post about the need to ration carbon credits to control global warming – I mean “climate change.”






I went to check into my hotel room and the guy at the front desk complimented me on my clothes.  “Nice Che tee,” he said.  “Funny coincidence – my family is from Cuba.  So, will you be wearing your Mao t-shirt tomorrow?”  How did he know?  Anyway, I was a little unhappy with my room – it was on the top floor between the elevators and a guy who turned out to be the drummer for Anthrax.  He sure had a lot of loud parties.


Off to the convention center for to help build a socialist future – oh wait, I’m not supposed to say “socialist.”  Andrew Breitbert’s operatives are in the area and according to Markos, “We’re still keeping our real goal on the down low until after the reelection.”   Shhh – mum’s the word, fellow “progressives!”


By the way, I thought I saw Markos himself, but it turned out to be a guy dressed as an elf from the Dungeons & Dragons convention down the street.  My mistake!



Friday:


What a totally great day – it’s so nice to be able to eat, drink, party and speak about our political vision in this fascist country where hunger, thirst, oppression and political repression rule!


I got an important warning about how the Right Online convention is nearby.  My friend Tupac Pelosi-Mumia, who lives with his parents Marge and Fred Bosley in Beverly Hills (“I kills me that they forced me to drive a Mercedes bought with his money made oppressing the workers at his department stores, but I do it for the sake of the struggle”), told me about a terrifying encounter he had with a couple of rampaging conservatives.  All he did was throw a free range egg at them during a “No Free Speech for Fascists” demonstration there by Take Back the Mid-Day, his pro-civil liberties collective.


“They were going to give me a wedgie,” he reported, “But the surprise was on them — I don’t believe in wearing underwear!  It’s part of the patriarchal paradigm!”  The brutality of the wingnuts is truly terrifying.  “Those conservatives are tough and mean and they will kick your ass,” Tupac said.  “And that’s just the women.”


There were so many panels to choose from!  I couldn’t decide on whether to go to “Gender Justice and Making Men Pay” or “Azatlan Now: Getting the US Out of North America,” so I just wandered around to see what superstars I could run into.  It was awesome – I even got to shake Keith Olbermann’s hand, but he was kind of cold to me after I told him “I will totally watch your show as soon as I can find the Logo channel!”  It is the Logo network, right?  Or is it the Oprah one?


Plenty of petitions to sign too – I love getting involved in hand-on activism that makes a difference!  I signed petitions about banning eating whales, tuna, beef, pigs, and chicken.  I kind of drew the line at the super-vegan guys – call me a “bean curd criminal,” but as far as I’m concerned, you’ll have to pry my tofu out of my mom’s fridge.


I also signed some green energy petitions but had to stop to answer a call from United telling me my upgrade came through for the flight home – bingo!  Finally, some guys dressed like pimps told me all about this deadly poison the capitalists are forcing on us called dihydrogen monoxide.  I never took a science course at Berkeley since I didn’t have time as a double major in Womyn’s Literature and Oppression Studies, but this sounded terrible.  They even filmed me talking a little about banning dihydrogen monoxide, a campaign that I think will become one of my personal issues.


Saturday:



First, I was riding on a unicorn.  Then the penguins came up and started trying to take all my money because they said they “needed it more.”  Then a shadow fell across everything and I was being chased by a monster – it was a 70’ tall Andrew Breitbart and he was screaming “You know I’m right, you know everything you believe is a freaking joke!”  Then there was some loud drumming and someone was shouting about throwing the keg out the window and I then woke up.



Oh, wait, I thought this was my dream journal, not my Netroots Nation 2011 journal.  Sorry!


I started the morning by not taking a shower again and made sure to roll up my sleeve high enough so everyone could see my tribal tattoo.  It’s important that everyone know I bear that mark of individuality so I can fit in with the other attendees.  Then I updated my Twitter feed with a couple of entries about how excited I was to occupy the urinal next to Al Franken – just being so near him gave me stage fright!  BTW, don’t forget to follow me on Twitter at @ItsAllStillBushsFault69!


Saturday is party day at Netroots Nation, but first some panels!  My favorite was the one chronicling our huge victories in Wisconsin.  Yes, victories!  After all, the people united can never be defeated.


See, even though technically, that Nazi genocidal homophobe governor and fellow running dog lackeys managed to totally cut the power of the public employee unions and to utterly defeat our candidate for the Wisconsin Supreme Court, we came out ahead!  As the panel explained, now the whole world can see that DMV clerks, diversity officers, regulation writers, self-esteem counselors and other vital government workers represented by the AFSCME, the NEA and other unions are really the brutalized coal miners of today.  The level of oppression some of them are suffering is unbelievable – how can anyone be so inhuman as to demand they pay 4% of their own pension costs?  It’s pretty clear which side the American peple are going to come down on!


Then onto the fun!  I heard there was a pub trivia contest, and I was so there.  The questions were real brain teasers:


“Name one Marxist nation that has actually increased human freedom as opposed to crushed all basic human rights.”


“Fill in the blank:  The term ‘Nazi’ means ‘National what Party’?”


“Identify a McCarthy martyr who wasn’t a Stalin-loving communist traitor.”


“What member of the armed forces do we leftists consider a true hero who did not get that status by betraying the United States in some manner like Bradley Manning?”


“What political party recently made a Senate icon of a KKK kleagle?”


Talk about tough questions – no one had an answer for any of them!  But not everyone was having fun.  I think I saw Dave Weigel there muttering something about “Geez, these people are lame even for leftists.  I’m checking out Malkin’s Right Online hospitality suite.”


After the pub trivia petered out following an argument between one group that called the game “sexist” and another that called it “racist,” I found my pal Tupac and we headed to the Sexy Socialist Singles mixer.  I opened a tab on Tupac’s parents’ credit card and we started to see if there was anyone willing to look beyond mere physical appearance and really know and accept our inner beauty as opposed to react merely to superficialities.  But amazingly, every girl – I mean “womyn” – we talked to told us she was a lesbian.  I mean, that’s great, but what are the odds?


Finally, we did find a couple of attractive, in a sort of bourgeois way, womyn who seemed interested in us buying them drinks.  I really respected their intellect, empathy, and the way one asserted herself against male oppression by telling Tupac, “Hey trustafarian, my eyes are up here – can’t you see I need another Zima?”


But while Tupac was off getting it, two guys in suits with Right Online badges came up.  “Hey ladies, when you get sick of Commie McNevershower here, you oughta come party with some real men.  But be warned – we like guns, capitalism and we lay pipe like Alaskan oilmen.  If you’re ready to step to the right, we’ll be firing up Macanudos on the patio.”  Then one handed me his empty Guinness bottle and they walked off.


The womyn were totally outraged.  “Can you believe that?” one said.  “So arrogant, so … powerful.  Let’s go give them a piece of our mind.”  The other nodded.  “Yes, a piece … of our minds.”  As they went off to confront those sexist jerks, I shouted, “You go girls!”


So, back in my hotel room, I couldn’t sleep because of the drumming so I got on the computer and checked out “HotProgressiveBabes.com.”  Well, there were at least two things wrong with that name and I’m not sure they were even progressive.  I next wrote a Daily Kos piece on the need for a government entitlement program to assist those who George Bush has prevented from meeting girls.  Then I tried to sleep – after all, there’s still one more exciting day of Netroots Nation to go!




Let’s keep this one simple and clean - just a bunch of relatively easy ways to save money. As you incorporate more and more of these tips into your life, the savings add up and it wouldn’t surprise me if you could save thousands over the course of a year.

It will take a little work on your part but those thousands of dollars in savings are what helped us get out of debt earlier, kept us out of debt for several years and will hopefully help us pay off our recent auto loan soon as well.
  1. Cook at home often: If both the husband and wife work, this is likely to be very difficult. Start out with the habit of cooking at home once a week and slowly increase the frequency until you find a balance between saving money and getting stressed out.

  2. Make your own coffee: Everyone seems to have heard of the latte factor. Even though the author may have overestimated the savings from skipping a latte at Starbucks, don’t underestimate the ding it puts in your pocket in the long run. You don’t have to entirely ban drinking coffee, but skip it as often as possible unless you make it at home.

  3. Brown bag lunch at least a few days a week: Lunch times are great opportunities to network and make connections that could improve your career growth. So unless there is a common eating area for brown baggers, you may choose to limit brown bagging lunch to three days each week. Find a balance between saving some money and making the connection. In my case, I take my lunch with me 2-3 times a week and eat out the rest of the time.

  4. Make a list before going shopping: They call it impulse buying for a reason. Humans simply have a very tough time resisting the temptation to purchase extras while shopping. Without a list you will buy items that you simply do not need. Even worse is when your forget to purchase the actual item you came to the store for in the first place. If you plan on cooking at home, pre-plan a rough menu and make a list before you go grocery shopping. Getting all that you need in one trip can help avoid another unnecessary trip and temptation.

  5. Go grocery shopping while you are in a hurry: Maybe you need to go out in a couple of hours. Or your favorite show is going to be on TV after a couple of hours. Try to squeeze in the grocery trip in that intermediate time. Armed with your grocery list, you should be in-and-out very quickly with little time for meandering and getting tempted to buy things you don’t need.

  6. Watch out for expiration dates on perishable goods: This one seems intuitive when you read it, but I am surprised at how many people do not pay attention to expiry dates. No point getting a gallon of milk if it is going to turn sour with a couple of days. Same goes for meat, eggs, yogurt, spreads, frozen items, deli/bakery items etc. Some people say you can use a few items a few days after expiry – but I personally value my health more than money and would rather avoid buying such items in the first place.

  7. Buy in bulk whenever possible: When it comes to non-perishable items, buy in bulk whenever you find something on sale. The items I usually stock up on are, cereals, tinned goods, rice, beans, pasta, coke, toothpaste, body wash, shampoo, toilet paper etc. For such items, shopping at warehouse stores like Costco, Sam’s Club etc can save you quite a bit of money, provided you stick strictly to your shopping list when you shop at these places.

  8. Buy generic products whenever possible: Does it really matter whether your cereal is made by Kellogg's or is the store brand? Does it matter if your milk is Oak Farms or the store brand? For a few things (like soda in particular), I prefer brand name products. For others, I do not mind generic store brands if they can save me money. Find what works for you and switch to generic brands for at least a part of your grocery list.

  9. Use grocery store bags to line trash cans: This may not work if you use a massive trash can but we use a small sized one for which the grocery bags are a perfect fit. This not only helps us save some money, but reduces our environmental foot print and avoids the kitchen from stinking from a huge overflowing trash can.

  10. Consolidate and pay off debt as soon as possible: If you carry any debt, focus on consolidating it to a lower interest and paying it off as soon as possible. Money paid in interest is money thrown away! Why spend your hard-earned cash to make the financial institutions rich?

  11. Pay your bills on time and avoid late fees: Get organized about your regular bills. If possible, automate the payments. Most utilities and other recurring bills can be set to be charged to a credit card or deducted from a checking account these days. Also, many banks offer free bill pay programs. So there really is no excuse for forgetting to pay a bill on time and forking out the late fees. Say, by chance you do forget a bill, if you are a first time offender, call the company and request politely to waive the late fees, and more likely than not, they will oblige.

  12. Be aware of your bank balance and avoid over draft fees: If you use your checking account often or have some bills that are paid automatically from your checking account, be aware of the balance and avoid overdraft fees.

  13. Avoid ATM fees: Be aware of the ATM withdrawal fees charged by your bank. While some banks waive fees for all ATM transactions on any ATM machine, most don’t. So be sure to use only those ATM machines where your bank will not charge the fees, or withdraw directly at your bank.

  14. Avoid credit cards with annual fee: Credit cards with their cash back bonuses and reward points are a great way to save some money. Just make sure that the card does not charge you any annual fees! There is no dearth of cards that offer fee-free reward plans, so there really is no reason to pay the annual fees.

  15. Disconnect land line if possible: Unless you have small kids in the house or older people to take care of, it is more than likely that you will be able to survive with only the mobile phones and can get rid of the land line. We have survived without any problems for over 4 years now with out a land line. Our Internet comes via cable.

  16. Instead of buying books, borrow books from the library: Whenever possible, borrow your books instead of buying them. The card to your public library is free and the libraries are generally well stocked. In my city, the chain of public libraries is connected and the available books can be checked online. If there is some book that I cannot find in my local branch, I can make a request online for it to be brought in from one of the other branches to mine which is very convenient.

  17. If you have to buy books, check if you can buy it used: Used books do not quite give the same feeling as leafing through the crisp pages of a brand new book. But considering that you can get used books for almost as much as half the price of a new book, it is a small price to pay. My favorite place to buy used books is a local chain called “Half Price Book Store”. Check if you have something similar in your city. For text books, look online on bulletin boards, mailing lists etc, and price compare on websites like addall.com.

  18. Price check before buying anything expensive: For other items that are expensive, do a price check before buying the item. If you can wait for a while you can track the prices and grab a great deal when it comes along. Frequently available online coupons make it even more easy to save some money. This is especially true while purchasing any electronics.

  19. Avoid impulse buying: Make it a habit to avoid impulse buying. Many of the things you want to buy do not seem all that necessary, if you only you wait for a day or two. Also, waiting means you will be able to check prices and make an informed decision to buy it at the best possible price.

  20. Bottle your own water: Drinking water is good for your health. I always make it a habit to keep some at my desk at all times. Bottled water is the most convenient since it can provide protection against accidental spills. That said, buy bottled water only once in a while, and then reuse that bottle to fill your own water. If you are not happy with tap water, invest in a Brita Filter – in the long run it can save a lot of money.

  21. Avoid the vending machines: Almost everything that is dispensed via vending machines has a huge markup (and is rarely healthy). However, if you suffer from snack attacks at work, consider creating a secret stash of snacks. If you like drinking soda and have a fridge at the workplace, save a refrigerator pack in the fridge with a post-it with your name on it. If you have a long commute, consider a stash for the car as well and avoid a quick drive-thru visit.

  22. Keep your car as long as possible: When possible, try to keep your car as long as possible. Find the balance between the money spent on repairs versus the monthly installment on another vehicle and choose to run your old car as long as the repair costs are low.

  23. Do regular scheduled maintenance on your vehicles: Do not skimp on or forget to do regular oil changes. Remember to check the air in your tires often. And use the grade of fuel that the owner’s manual recommends. These small acts can significantly lengthen the life of your car, giving you years of use.

  24. Avoid buying a new car: When you eventually buy a car, see if you can make do with a pre-owned vehicle. A new car depreciates significantly the moment you drive it out the dealership. Is the new car small really worth thousands of dollars? Pre-owned cars that are only a few years old with low mileage are the best bargains. Regardless of the purchase, learn to negotiate with car dealers.

  25. Ride your bike or carpool whenever possible: In many of the cities in the US it is hard to get by without a car. That said, just because you have a car does not mean you have to use it every day. Whenever possible, ride your bike or share a ride with a colleague or spouse and save both on gas and reduce the environmental footprint.

  26. If you watch a lot of DVDs, get an online DVD store membership: Membership to online movie stores like Netflix or Blockbuster Online can save you a lot of money compared to buying DVDs or renting it from a local store. You need to wait once you order the movie, but if you watch a lot of movies at home, then you can easily get into the habit of ordering ahead of time so you always have something at home. If you are patient and your library has the resources, check to see if they have a movie section. You won't get anything very new, but they are free.

  27. If you like watching movies at the theater, go before 6:00 pm: This is one of our soft spots when it comes to spending. We really like watching movies in the theater with the big screen and the great sound effects. But instead of paying ~$10 a pop for the ticket, we usually go before 6:00pm when the tickets are a little less expensive. Also, for movies that we don’t absolutely want to watch right away, we just wait until it screens on the discount theater where the tickets are $2 a pop. We avoid the temptation to buy snacks, by usually going for a theater some time soon after our lunch or sometimes sneaking in our own snacks in the purse.

  28. Regulate your electric use: When not in use, unplug electric appliances. Apparently, unplugging the TV instead of just switching it off can save a lot of electricity! When not in a room, switch off the lights and the fan. Use a programmable thermostat to control your A/C and heater usage. If that's too much, at least know what each appliance uses and unplug a few of them.

  29. Plan vacations ahead of time: Vacations are a necessary part of saving our sanity in the busy lives that we lead. But vacations are also a huge drain on the family finances. You can cut the cost of a vacation significantly by planning and booking ahead of time. Bookmark travel sites for finding inexpensive airfare, hotel etc., and book at least two weeks in advance.

  30. Finally, keep distance from lavish, high-roller friends: If you have lavish friends who buy a new car every other year (or worse still, lease it), have large screen TVs and every other conceivable electronics gadget, eat out at fancy restaurants every other night and just live way beyond their means, keep the distance. They may be nice people and mean you no harm, but hanging out with such people often can lead to a lot of unnecessary desires and discontent. What’s more important – your friends or your peace of mind?
Whoa, that article ended up being a lot longer than I anticipated. Hopefully, I haven’t put you to sleep! Despite the length though, it barely scratches the surface when it comes to ways to save money. Make it a sub-conscious habit to save money in things that you do every day, even if it is a few dollars. All that money saved can add up significantly and you can save it or spend it on things that really matter!

NOTE: I am not saying that you should follow *all* these tips. Trying to be too frugal can make both you and the people around you very miserable. So, pick out a few tips at a time that will work for you and make them a habit, before deciding if you can incorporate more money saving habits in your daily routine.

Written by Sam Baker of GradMoneyMatters.com - a site dedicated to providing students a choice of money making ideas so they can say no to debt. Republished 6/19/2011.







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