Lazy summer

Usually I start the summer with vast and far reaching goals: make money, write more, spend less, organize/declutter, finish projects, write more, lose weight, exercise more. Then about halfway through the summer I realize I've accomplished almost none of it, and I get extremely disheartened. So this summer I'm setting only one goal for myself.

Be lazier.

Sounds easy, huh? Well, not for me. Somehow I'm no better at being idle than I am at being productive. I'm not working, I'm not in school, my house isn't especially clean and yet I will go through entire days without being outside, and end the day anxious about all the things on my list that I haven't done. What am I spending my time on? I can never remember or tell. Whatever it is, it doesn't bring me joy.

So this summer, I want to do less. I want to forcibly make myself sit and do nothing, or read a book (with permission to stop whenever I want). To eat slowly and taste my food. To sit outside and watch people go by. I'm just going to rest for a while and get off the treadmill, and once I learn how to do that maybe I'll know what it is that I want to do with my time.

Ways to Save Money this summer

So, once again it's summer and I find myself with plenty of free time and less than plenty of money. Oh, I have some savings, but I have no full time job nor am likely to especially soon. More time, less money, means it's a great time to start refocusing on ways to save.

• Turn off the lights. Maybe turn off the computer too. It's amazing how much energy we waste during the course of a day.
  
  
• When I'm home by myself or when we're both going out, turn the air way up (or off altogether). I really don't like the way air conditioning feels, and I'm willing to be a little warmer. I can wear shorts or drink ice water. Also, I need to check the thermometer on my porch and open the windows when it's cooler out than in, and batten down the hatches when it's hotter.
  
  
• Hang my laundry. I've never done this before, but I'd imagine it'll dry very quickly in the 100 degree weather.
  
  
• Cook from scratch. During the crazy last month of the school year, we ate out a lot. A lot. I plan to change that this summer. I would like to go even further, though, and try making yogurt,cheese, pasta, and more of our bread.
  
  
• Use up the stockpile. I'm moving in the relatively near future so it's time to stop buying so much and start using it up. If I wasn't moving, I'd be reluctant to use up (or I might have to rebuy everything at full price), but I'd still try to use down a little to get through the income gap.
  
  
• Find fun, free things to do. Since we live near a college, there are lots of free lectures and forums, and I am relatively sure there are some free outdoor concerts and movies too.

Anyone have any more great suggestions on things I can do this summer?

Break Even 2008 Week 4 Update

Okay, here goes:

On the food budget, still $10 overbudget on groceries, ARGH. I say, "Really this week, let's not buy too much," and it never seems to work. I'm going to need to convince hubby to have a "pantry challenge" for at least one week this summer just to get to where I can find all my food again.

On the eating out budget, $5 under! Yay! We only ate out once, and we had a really great time. It's such a relief to me since this is the first week we've stayed within our budget on this.

On the income front, still working a lot. That's going to end soon, though, as this was the last week of my 8 hour a week class. Have to find more ways to earn money.

And since it's the end of the month: overbudget on gasoline (as expected), underbudget on electricity (yay!), so I'm doing pretty okay.

So, here goes,

Break even number = 245
Overbudget on food = +10
Overbudget on gasoline (for month)= +12

Underbudget on electricity (for month) = -10
Underbudget on restaurants = -5
Income (Part time job) = -580
Savings account interest = -8

Making my expenses -336 for the week and putting me $512 ahead for the summer! That means that I could theoretically not work at all for 2 weeks and, as long as I stay on budget, still be coming out even. Woo Hoo!

Summer energy saving tips for the kitchen

Since summer tends to be the time when my energy bills are the highest, I thought I'd start sharing some of my best summer energy saving tips, and the easiest place for me to start is in the kitchen. The kitchen has the potential to both use a lot of energy itself, and to heat your house significantly, causing you spend even more on energy to cool it back down. By employing these energy saving tips this summer, you'll keep cool, eat well, and keep some of your money in the bank.

1. Don't cook. The most efficient way to keep your kitchen cool and green is by eating raw or cold foods. Try to eat more salads and cold sandwiches, more fruit instead of baked goods, and cold beverages in place of hot ones. This serves double duty: you don't spend energy on the cooking process, and you keep both your house and your body cooler. Bonus: higher water content foods like fruits and vegetables will be more appealing and refreshing to your dehydrated body. Who wants to eat heavy foods when it's 100 degrees out anyway?

2. Cook outside. If you are going to cook, try to move it outside and away from your house. You'll spend some money firing up the grill, but it will keep your house cool. Besides, nothing tasts more like summer than dinner off the grill. Bonus: I can't remember where I read it, but last summer another blogger suggested putting your crock pot on your porch. While they don't give off that much heat, this can't hurt. Plus, if you are eating outside, it will be more convenient to have your side items outside with your grill.

3. Use smaller appliances. Don't turn on your oven if you have a toaster oven that will do the trick. Use a microwave whenever possible. The smaller the appliance, the less energy it uses and the more heat it gives off.

4. Mind your refrigerator. Your fridge has to work harder and use more energy in the summer anyway, so be extra careful to keep the door closed. Before cooking, plan everything you need so you only have to open the fridge door once (in one monstrous trip, like Rachel Ray does where she always likes like she's thisclose to dropping something). When putting things away, stage them next to the refrigerator for the same reason. Put the things you use most often in convenient locations so you can get to them quickly. And I shouldn't even have to mention standing in front of the refrigerator deciding what to eat.

5. Keep your dishwasher closed. In the winter, I like to open my dishwasher to vent (I always have it set to air dry). In the summer though, I leave it closed during the dry cycle. The steam that goes into the air during the dry cycle will both heat up your home and add a lot of moisture to the air, which makes it feel hotter. Instead, dry the dishes with a towel if they are still wet.

6. Be careful of vent fans. If you are running the air conditioning, turning the vent fan on will vent all your cooled air out into the world, so use it sparingly. Of course, if you are a champ and keep your AC turned off, the vent fan will vent the hot air from your kitchen and may actually help.

For more frugal tips, chek out Frugal Friday

Break even 2008 week 3 check in

Just a Break even quick check in this week:

I was $20 overbudget on restaurants again this week, partly from the last day of the adventure and of having company, partly because I have a problem.

I was $12 overbudget on groceries. For all that I preach grocery savings strategies, I can't seem to make it in and out of a grocery store for underbudget lately. My pantry and freezer are nearly overflowing and yet I just can't seem to help myself. Argh!

I had some rare ebay earnings too. We bought an extra copy of Wii Fit, knowing there would be a shortage, and sold it on ebay. After shipping and fees, we made about $25 profit. ::Shrug:: I'm kind of an amateur.

And I worked. A lot. By a lot, I mean 4 hours most days. It doesn't sound like a whole lot when I say that, lol, but hey this is my summer vacation.

Break even # $245
Overbudget groceries $12
Overbudget restaurants $20
Ebay earnings -$25
Part time work earnings -$490

Net expenses -$238

Since I was $62 behind last week, that puts me $176 ahead for the summer so far. Woo hoo!

This is the last week of the month though, which means that on next weeks' check in I have to settle up for my projected versus actual spending on gasoline. Trust me, I'm not looking forward to that.

Break Even 2008 Week 2

So, this week was not the most stellar week of the break even challenge. Because of the Adventure, and because we had company for the whole week, we were a full $50 overbudget on eating out for the week. (Yup, that means we spent 3 times what we were supposed to spend. Oops.) We also had to give a wedding present, which was not prebudgeted (double ooops). Plus, I'm sure we are already overbudget for the month on gas, and I think our electric bill is likely to be higher because, with company here, I couldn't turn the air off during the day or leave all the lights and fans off. But, as the rules state, those will get settled up at the end of the month.

Also, with company here, and with several days out of town, I wasn't able to work much on generating any online or alternative income, so most of my income came from work. Since the hours I'm working now are temporary, I'm going to need to make more of an effort to get some other income streams started before they end, or this project will definitely sink.

There are benefits though. I worked quite a bit, so that makes up for some of the additional spending. Also, because we ate out so much, we were able to save some money on our grocery budget: I just had to make a quick stop for some cereal and fresh fruit.

Settling up:

Break even number $245
Over budget restaurants +$5
Unplanned spending +$150 (wedding present)
Underbudget groceries -$35

Part time earnings $260

$105 short

Last week, I was $43 ahead, which puts me a total of $62 behind for the summer. Yuck. Guess it's time to start working harder.

Break even challenge 2008

Just like last summer, I decided that one of my goals for this summer was to break even. Essentially, what this means is that I intend to make at least as much money as I spend, even without my full time job.

Last summer, I didn't make it. I got behind, and even though I broke even by the seek for most of the second half of the summer, I could never catch back up. Somehow, through magic, the money all worked, and we made it through the summer just fine on what we had in the checking account.

This summer is a little different. This year, I consciously saved money every month in my ING account, so that my savings are equal to my share of the expenses for two months. In short, I don't need to make any money this summer, so it's almost entirely a game. Also, because my car is paid off this month (Yay!) my break even number is a little lower this year at only $35 a day or $245 a week.

Other than that, the rules they remain the same:

1. Anything I spend over my budgeted amounts for groceries, eating out, or personal spending gets added to my break even number for the week.
2. Anything I earn or any money I save gets subtracted from my break even number.
3. Money I earn from my part time job is counted the day I earn it. Money I earn online or from other ventures is counted the day it pays out (because the lag time is usually so long, and sometimes the returns are questionable). Savings interest is counted at the end of each month, as are spending on household bills and gasoline.
4. Gift cards count as neither earning nor spending.
5. Money spent earning rebates, mystery shopping, etc, must be counted as spending, and fit in the actual budget. When the reimbursement comes, that counts as earning.

The biggest lesson I learned last year was that I have to work. I had some idea in my head that I would be able to make it primarily from online earnings (GPT offers and some article submissions), and so spent the first couple weeks lounging, and getting further and further behind, confident that when things came through, I'd be okay. This year, I'm working right from the start, and if more money comes in later, all for the better, but it's easier to keep up than to catch up.

Week 1:

Break even number $245

Over budget groceries +$35 (We have company this week)
Over budget eating out +$12
Unplanned entertainment+$42 (We went to a museum)

Part time earnings -$290
Revolution Money exchange check -$42.50
Deal Barbie Payout -$45

Which puts me $43.50 ahead so far. Don't know if that rate is sustainable, but I feel pretty good about it right now.

20 frugal or free summer fun activities

Looking for something frugal or free to do this summer? Here's a list of 20 summer fun activities which cost little or no money and provide endless entertainment.

1. Go to the park.
2. Go to your local library. Check out a book or movie, and check out the schedule for book clubs, reading rewards, lectures, and story times.
3. Consider joining your local museum or zoo. Usually, for the cost of visiting twice, you can go as much as you want for the whole season.
4. Stargaze.
5. Get wet. Play with a garden hose, run through sprinklers, get yourself a squirt gun - it doesn't matter how old you are, everyone likes to cool off.
6. Read. Sit on your deck or in your backyard, read out loud with your honey or kids, just read.
7. Be a tourist (in your own hometown). Check a guidebook out of the library, or read an article online, and check out all the local attractions you would take family to if they visited.
8. Learn to knit or sew.
9. Build a solar oven in your backyard and use it to keep your house cooler.
10. Do crafts with your kids or on your own.
11. Have a friend over for lemonade. My ideal day would be sitting in a rocking chair on my porch, drinking lemonade and gossiping with the girls.
12. Browse your local farmer's market. If you make friends, you might even be able to visit some farms.
13. Fly a kite.
14. Volunteer at your local food bank sorting food or filing papers.
15. Go to the mall. Not for the shopping, for the free air conditioning.
16. Take daily walks around your neighborhood or on the beach/boardwalk/nature path. Smile at strangers.
17. Sleep late!
18. Rent a movie from Redbox or take your kids to some free summer movies.
19. Go to a local winery that has a free tasting. Mmmmm.
20. Search the Free attractions directory and find something within driving distance of where you live.

What's #21? Please leave me a comment with your best frugal or free summer fun activities!

Cleaning out my apartment: donating

The three bags of health and beauty items above went to my local food bank yesterday. The bags mostly consist of shampoos and toothpastes, but there is also some lotion and some packs of feminine products in there too. Most of this is stuff I purchased for free with grocery coupons, and which has been languishing under the sink in my guest bathroom for months. I feel lighter for it being gone, and I have all that extra storage space back, but mostly I feel good because it's going to go to good use.

If you donate goods to a food bank, soup kitchen, or shelter, you can deduct the full value (i.e., not what you paid with coupons and rebates, but what someone else would have to pay) from your taxes. Since we don't itemize deductions, I don't worry about this, but if you do make sure to get a receipt.

This is my first bit of progress on my goals for summer. Try to keep me honest at making steady progress!

My Goals and Priorities for summer

1. RECOVER. Rest and heal my mind, body, and spirit from the tortures I put them through the past few months. No matter what else I accomplish, I want to finally take some time for me and feel better, to invite more quiet into my life and more space in my brain.

2. Break even. Just like last summer, my goal is to make enough money to cover all of my share of household expenses. Extra money to put toward debt would be great, but only if it doesn't interfere with priority #1.

3. Have an adventure. I've been so busy, and so narrowly focused, for the past couple of years that I've forgotten to be young and have fun. This summer hubby and I want to take a (relatively inexpensive) vacation, without too much excessive planning. :)

4. Clean out my apartment. I really want to have less stuff. I'm going to start sorting, ebaying, recycling, freecycling, and donating as much as possible this summer. I'm going to start with my stockpile of health and beauty products purchased for free or pennies. Donating to the food bank always ups my mood, as does clearing stuff out of the apartment.

5. Get fit. Between Wii Fit and my apartment complex's fitness room and pool, I have no excuse for not getting in shape this summer. I would like to lose a few pounds, but mostly I would like to feel stronger, stand taller, and Fight the blues.

6. Write. I want to get into the habit of writing every day again. It doesn't matter so much where I write or what I write, I think that will work itself out in the end, I just want to make sure that I write every single day.