Monday, February 26, 2007

NBI Days 23-25

Being sick is great for not spending any money.

Feb. 23, Friday: Had to cover a story at my synagogue for the paper, so we agreed that I wouldn't come to the office. Only spent $15 for gas, otherwise I was pretty well-behaved.
Was pretty much out of it on Sat., Feb 23, so nothing there.

Feb. 24, Sunday: groceries, $161.91.

I hate buying pet food. Between the dogs (about $13) and the cats ($10, plus $4.50 for litter), that's almost 20 percent of the total tab. Similarly, I object to paying for toilet paper and other paper goods, garbage bags, foils and plastic wraps, and laundry items.

I also splurged on some herbal team that purports to help supress the appetitite. That was about $9 for 36 servings, so when you break it down, it doesn't seem that horrible.

Whenever I finish the shopping, I always wonder "where's the food?" I see fruits and vegetables, sure; bread, milk, juice, eggs; cold cuts; pasta and sauce; cookies and ceral. But for some reason, that seem to count.



Thursday, February 22, 2007

NBI: Days 20-22

Tuesday, Feb. 20:

Since we got out of work so late, and I was feeling under the weather and didn't feel like making anything when I got home, I broke down and bought a Wendy's special burger (I won't go into the lurid anti-nutritional details): $5.11. I suppose I could have waited til I got home, but I was also a bit under the weather, which made me weak and vulnerable. Since I've been on Weight Watcher's, I've been pretty good about avoiding fast food outlets, which saves money in itself. WW, by the way, costs $39.95 a month. Necessary? Probably not, if I had more will power, but I imagine this falls into the same realm as therapy. Necessary for some, not for others.

Wednesday, Feb. 21:

Took the day off since my daughter was still on President's Day/week/month break.
We spent most of the time visiting friend's whose younger son was having his tonsils removed. I took my daughter and their older son out for lunch ($16.86) and a snack ($4.14), neither of which were "necessary," but it was a nice thing to do.


As I mentioned in a previous post, I wonder how Levine would have fared had she had kids to consider.

Thursday, Feb. 22:

The day isn't over yet, but I thought I'd mention...

After my WW weigh-in this morning, I learned I gained 3 pounds since my last visit. Since I get a monthly pass, which saves a few bucks, I find I don't go each week (I wonder if they count on that). I'm still down 13 pounds from when I started, but I'm about 6 pounds heavier than my best weight to date. Still have a ways to go to get down to my target, and with the warm weather setting in, which is moe conducive to exercise, I think its very doable.

Anyway, in an attempt to get back on track, I bought some WW products at the local supermarket (groceries are OK, even though I probably could have done without them): 2 yogurts, one box of muffins, almonds and sparkling water, for a total of $8.41.

Tuesday, February 20, 2007

NBI Days 16-19

Friday, Feb. 16: Nothing spent


Saturday, Feb. 17: $1.34 on cat food. Hey, the cats have to eat, too.



.60 library fine. I never feel bad about having to pay these. I figure it goes to a very worthy cause and whatever the fine, it's still cheaper than buying the book.


$1.50 for a danish. Not a necessity, but once in a while don't we deserve a little treat?


I actually got a small refund when I exchanged an extension cord for my digital tape recorder for the proper one. And I didn't have to pay a late fee at the video store, so I saved a couple of bucks there, too.


Sunday, Feb. 18: Had to cover a high school basketball game so even though I spent money on tolls, it will be reimbursed.

In the evening we had dinner with our friends with whom we'll be going on a cruise in late summer (now that's certainly not a necessity). We ended up splitting take-out ($20). Unlike Levine, I have not told anyone of my "plan," so it's a bit awkward to just blurt it out.



Monday, Feb. 19:



$3.00 on two danish. Yeh, I know. but they're very good danish.

Friday, February 16, 2007

NBI Days 12-15

One of the problems with these "journals" is simply keeping up, esp. on a daily basis. So it's time to play catch-up.

Monday, Feb 12: Nothing spent, although I did go to Barnes and Noble. But I had a gift card, so it didn't count.

Tuesday, Feb 13: The office closed early today, fearful of the coming winter weather. So instead $20 for a perscription (a necesity), plus $1.50 for a candy heart for my daughter for Valentine's Day. Oh, and roses for the wife, $21.34 at the A&P. All necessities, I think all the men out there will agree. Would Levine? She devotes a chapter to the practice of gift-giving in which she claims things needn't be expensive to be appreciated. At the same time, she tells of her boyfriend's efforts to make paper animals for gifts, which don't seem to quite make it. In addition to the fact that they're not very good, they take a lot of time to produce. So what is the actual cost? In a college course of macro-economics, we learned about the economic cost of a thing. If you have a dollar to spend and you buy a candy bar for sixty cents, you don't have that sixty cents to use to buy something else. It's something I try to drill into my daughter's head, with mixed results.


On my way to play tennis that night, I was also going to stop at Amazing Hotdog for a snack. Necessary? Of course not, but I was a little depressed because I had to take the perscription so I thought a treat was in order. Unfortunately -- or perhaps not -- they were actually out of food. This isn't the first time it happened, which is surprising and annoying.



Feb 14: Amazingly, nothing spent today. Of course, being snowed in didn't hurt. My daughter was off from school and my office was closed. Unfortunately, Faith's was open, although she did come home a bit earlier. The weather prevented us from going out or ordering in, so we made do.

Feb. 15: Nothing spent. I find it's not to difficult not to spend on a weekday. I almost always bring lunch from home and if I go to they gym (a necessity at $22 a month?) I have no opportunity.

Feb. 16:



Gas, $15. I have to cover something for work on Sunday, plus I don't like being so low during such cold conditions.

Rachel's allowance, $10. When I was a kid, I got fifty cents a week. I remember one time I went to the bakey and to buy the newspaper for my mom. I was told to take my allowance out of the change. Instead of buying one baseball magazine for the fifty cents, I bought two, rather than wait until the following week. My mother was quite angry for this "transgression."

Maybe it's always been this way, but I don't think kids really have a grasp of money. In an economics class in college we learned about the economic cost of a thing, which basically says if you spend money on "A," you don't have that amount to spend on "B."

Although my daughter gets her allowance, plus whatever she makes babysitting or petsitting, her tastes are expensive. Maybe it's the area we live in or increased marketing strategies, peer pressure, etc.

She was quite upset because she lost her digital camera at a neighbor's Super Bowl party and it hasn't turned up. I'm upset because it means that whoever found it has not been honest enough to return something that obviously doesn't belong to them. And we're not talking about a ball point pen that could easily be mistaken as one's own. So she is wondering what she's goign to do without the camera, as if it's a mandatory piece of equipment for teenage life. Granted she's a good photography for her age, but if she thinks her parents are just going to replace it, she's wrong (she originally paid for it from her bat mitzva money).

She put up a fuss, saying that she didn't know why she should have to pay for such things as cameras, or game consoles when none of her friends do. The response that a) we may not have the money that other families do to spend on such items; b) that we don't care what goes on in other families; or c) that we disagree with the parents who just buy the kids everything they want, works sometimes but I can see her point.



Monday, February 12, 2007

NBI- Day 11

Grocery day. And groceries don't really count, right? Like last week, I was pretty careful not to be impulsive (although I did buy three bagels of crunchy snacks. On the other hand, I didn''t buy cookies). Later in the day I went to the butcher, where I bought:

2 packages chicken breasts
1 3-pack of potatoe knishes
1 london broil
2 packages ground turkey
1 package "mingon steaks"

Totals: $42 and change, for a total grocery bill of $170 (the meat lasts for several weeks, so it can be "amortized.")

However, I was a bit frivolous: on the way back I bought a sugar-free blueberry turnover ($1.25) and stopped at a fast food place (less than $3). It's not even so much the money, as the activity, even though I know the food is not the best for me.

NBI --Day 10



My wife and daughter spent the night at grandma's house (grandma lives in town, but my daughter thought it would be fun). I brought over bagels for breakfast. I'm sure there's food around the house, so how far does (or should) "tradition" go in the NBI plan?

Bagels $6


I suppose it's too much to believe when someone tells you, "it's all right, don't get me anything," for a celebratory occasion. Valentine's Day, for example. If would come across as the buggest curmudegon if I said that I thought giving flowers was silly becaus ethey die so quickly and cost so much. The price of a decent boquet could feed a family of four, yad, yada, yada. But would it be "practical" not to go the floral route? What do you think?

Valentine's day gift - $35 (I bought the card last month)

NBI - Day 9

Feb 9 -- Received a review copy of Levine's book. Yippee! Now I can make notes. I used to be shy about writing in a book, as if they were holy relics. If I wanted to take note of something, I would use a post-it, but my philosophy has changed.

What better way than to write directly where you need to? It might even be fun, if someone else ever reads that particular copy, to see your comments.

Too Much Stuff

In the spirit of NBI, here's one of my favorite Delbert McClinton Songs, in colaboration with Lyle Lovett, and John Prine:

Too much stuff

Big house, big car, back seat, full bar.
Houseboat won't float. Bank won't tote the note.
Too much stuff. There's just too much stuff.
It'll hang you up, dealing with too much stuff.

Hangin' out on the couch puttin' on the pounds.
Better walk, run, jump, swim. Try to hold it down
You're eatin' too much stuff, too much stuff.
It'll wear you down, carrying around too much stuff.

Hundred dollar cab ride, fogged in, can't fly.
Greyhound, Amtrak, oughta bought a Cadillac.
Too much stuff. Too much stuff.
It'll slow you down, fooling with too much stuff.

CHORUS: Well, it's way too much.
You're never gonna get enough.
You can pile it high
but you'll never be satisfied.

Rent a tux, shiny shoes, backstage, big schmooze.
Vocal group can't sing, won awards for everything.
Too much stuff. Too much stuff.
They just keep on going, rolling in all that stuff.

Got hurt, can't work, got a lot o' bills,
But the policy don't pay 'less I get killed.
Too much stuff. Too much stuff.
Just my luck, counting on too much stuff.

CHORUS

Running back can't score till he gets a million more
Quarterback can't pass. Owner wants his money back
Too much stuff. Too much stuff.
You know, you can't get a grip when you're slipping in all that stuff.
Women every which-a-way messing with my mind.
You know, I fall in love every day three or four times.
Too much stuff. Too much stuff.
It'll mess you up, fooling with too much stuff.

Friday, February 09, 2007

NBI - Day 8

Feb. 8 -- Didn't spend anything this day.

I have to prepare a cheesecake for a weekend dinner. I managed to get around going to the stoe to buy the ingredients by asking my wife to do it. Is that cheating? After all, it was "necessary," an obligation I entered into before deciding to take the"NBI" challenge. So I'm guessing not.

And since this is taking place Saturday night, that eliminates the dilemma of either bringing dinner in or going out to eat.

Wednesday, February 07, 2007

NBI - Day 7

RELAPSE!

I had to have some bloodwork done this morning, so I didn't eat breakfast. Following the procedure I had an interview, for which I arrived about 30 minutes too early. With nothing to do, I went into a local CVS where I purchased a bag of Weight Watcher's candy for $2.66.


Then I wanted to buy a magazine that my library doesn't stock, so I went to a Barnes and Noble. While there I saw a few other items I wanted and justified, as Levine did, as "business related," meaning I intended to use them as deductions at tax time and to try to get some freelnace work. Turns out the editor of Inside Pitch, a Mets magazine, is someone I used to sit next to when working as a STATS reporter at Shea. I also contributed a few reviews for his Web site. I also got a baseball book; for me anything baseball oriented counts as research material. Total cost: About $35.

In continuing to read Levine's book, I see where she "cheats" a bit, too. So I don't feel so bad.

Also, $3.60 for an overdue library book, ironically, Levine's.

Tuesday, February 06, 2007

NBI -- Days 5 and 6

Nothing spent on Feb. 5.

On Tueday, Feb. 6, I had to put gas -- a necessity -- in the Scion, or as we call it, the toaster. I hit the empty mark on the way to work, and since I'm never sure exactly how much is left in the tank once the light comes on, and since it is so bloody cold, I figure it was time. For $19.75, I got just under 10 gallons of 87 octane (I told the attendant to keep the change. Big spender.)

Since I started working here at the NJ Jewish News two and a half years ago, I've toyed with the idea of biking, at least part way. Driving to some increasingly distant point and using pedal power the rest of the way. Of course the conditions have to be right: no rain, decent temperatures, and adequate lighting. The terrain is quite hilly in spots and I'm a bit uncomfortable about leaving the car unattended so far away. But it would save about six miles-worth of gas to start (out of a 32 mile round trip).

Monday, February 05, 2007

No, really. Who wears this stuff?

Although I would never seek out a fashion magazine, one comes to my house almost every week in the for of the Feb. 4 New York Times Magazine.

This week in particular, a few outfits were submitted for consideration. Among them:





So my question is, simply, wh, besides models for a fashion shoot, would wear this stuff. And if no one is going to wear it, what's the point? Think of all the time, money, and resources spent on creating these clothes. Granted, I know nothing about fashion, but I know what I don't like.

"Jew have lunch yet?"

Sometimes the media just goes looking to stir up trouble.

Take Stuart Elliott, writing in The New York Times about Sunday's Super Bowl ads. In breaking down the various commercials, he tries to tie in the violence in Iraq, claiming that "the ongoing war seemed to linger just below the surface."

He points to the violent nature of several spots, like "Rock, Paper, Scissors" or the "Face-Slapping Greeting," both from Anhueser-Busch, or a FedEx ad in which "an astronaut was wiped out by a meteor." (Evidently the poor caveman who was crushed by some large animal in last year's FedEx spot merits no synpathy.)

But where he goes too far was his description of



Reminds me of the Woody Allen line in Annie Hall when he discusses perceived anti-Semitism with his pal, played by Tony Roberts, claiming that he heard someone ask his friend "Jew eat?"

But, hey, judge for yourself. Here's the article in its entirety.

NBI - Day 4


Sunday is our traditional day for the food shopping. Because of accounting issues (i.e., concerns of checbook balances), we had $100 cash to use. After a lot of head-scratching and calculations, I managed to spend less than $80. We typically spend about twice that much for a family of three, which I think is ridiculous. But I always chop carefully, looking for bargains and clipping coupons, taking a special pride in seeing how much of the original cost I can knock off.

A breakdown for the weekly staples:

2 gallons of milk, $4
1- 1 1/2 gallons of OJ, $6-9
Turkey, $5
Cheese, $2
Yogurt, $5
Eggs, $4
Pasta, $2
Sauce, $1
Produce, $20-25
Bread / rolls, $6
Cereal, $3-5
Paper goods, $5
Non-food items (detergent, wraps, etc.), $6-10
Cookies, $3-6
Water, $2-5
Canned vegetables / soup, $4
Health aisle (Toothpaste, shamppo, etc.), $6

There's also the occasional trip to the kosher butcher, every 4-5 weeks or so, good for anywhere between $25-50, depending on our needs. If we have a few people over, or I have to bake something special, it adds on.


Are these figuers outlandish? At first blush, it seems not. But we're also big impulse buyers, always looking to try new things or figuring, "I can use that," without deep planning.

I tried to outfox the appetizing aspect. We usually buy turkey and cheese, often too much, and end up throwing a lot out. So I thought to buy sloces, rather than by weight. I figure four slices of turkey per three sandwichs. So the 12 slices ended up weight more than I usually buy.

I debated a lot of products, putting some back, taking a few more to get it down to the proper prices.

But it's not just the money that Levine considers. It's to social and environmental impacts. Not to get into a philosophical discussion about vegetarianism, but we rarely eat meat, so couldn;t we just eliminate it altogether?

Our diet consists of a lot of pasta / grain, vegetables, cheese. And crap. Cookies, chips, cakes. Not oly is it expensive, but one has to wonder about the way the food is prepared, not to mention the packaging. I've always tried to instill in my daughter a skepticism about marketing and advertsing. Somewhere along the way, that's fallen by the wayside.

I keep having this fantasy about not buying anything one week (well perhaps just milk and juice), and just making do with the items in our pantry, which is always well-stocked. Our group of cereal looks like something out of Jerry Seinfield's shelf.

Saturday, February 03, 2007

NBI - Day 3


February 3-- The author who wrote the book obviously didn't have to consider kids.

My daughter and I went to Target to buy a birthday present for the kid next door. Sure, you can draw a hard line and say, "I'm sorry, but we're not doing presents this (time period). I'm sure you can understand the need to conserve resources and not fall victim to the corporate machine that dictates what me must buy..." etc. Is it worth the effort?

So she bought him a set of toy trucks for $6.99 plus tax. I know, it's not the amount, it's the thought that counts. She could have made something for him, yada yada. And it was her money, so technically, I was in the clear to that point. (She gets an allowance, which I suppose some might not consider to be a "necessity," but she's been getting one for awhile and I wonder how fair or practical it is to make her suffer for my experiment.)

After the shopping, we had to deal with lunch. Yes, we could have had lunch at home, but we have a cleaning lady come in once every two weeks and we don't like to be underfoot when she's around. I know, I know: a cleaning lady is not a necessity. My wife would disagree, so I almost consider it along the lines of belonging to a health club (another non-essential, except that it has a healthful effect, especially mentally, so it stays. Easy to hedge, isn't it?).

So we ended up going to Wendy's. I could have just bought lunch for her and I would have been okay, but I am a flawed individual, and spent $2 and change for my meal.

Friday, February 02, 2007

NBI - Day 2

Friday, Feb. 2 -- So, it's the second day of my "Not Buying It" program. So far, so good. I brought a yogurt for lunch and am determined not to purchase anything today.

The weekend, however, will pose a problem. We normally eat out or pick up on Saturdays. But with our daughter babysitting, we thought we'd go to a movie. If my wife pays for it, is that kosher, since this is really my project? Or is that rationalization.

Speaking of that, how does going to a movie fall into consumerism? It's not as if they're making one just for me, or that I'll throw it into the trash when I'm done with it. Hedging already?

Found a couple of blogs that seem to adopt this no-buying policy, this one on Get Rich Slowy, and another on stuff we don't by, by David Sedaris.

One problem that has developed in our house: the clock on our stove is emitting this very annoying buzz that we can't seem to turn off. Now the stove is quite old, I would say at least 15 years. The hood doesn;t work, the arlarm doesn;t work, it isn't accurate. And my mother-in-law has offered to buy us a new one as an anniversary present. So does that make it okay? Either way, we'd have to pay to have someone come in and turn off the damn clock.

On the grand scale of things, I suppose we could put up with the noise. But is that necessary to prove a point? We also wanted to put down a new floor, been talking about it for years. Wouldn't be too expensive; our kitchen makes those in Manhattan studio apartments look oppulent in comparison. And since we have to have the stove taken out anyway, wouldn't this be the right time to do it?

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