tag:blogger.com,1999:blog-60090190644028164902012-02-16T03:40:03.212-08:00Simple living techniques that make more sense than spending everything you make so we can enjoy more of what money can't buy.Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.comBlogger981100tag:blogger.com,1999:blog-6009019064402816490.post-23378152616220302992009-07-16T05:44:00.000-07:002009-07-16T05:47:03.875-07:00

I am thrilled when I visit my local park around sunset in the middle of the week and see dozens of families avoiding the dumb TV and use of AC with me. That was the case last night and many summer nights in southern California!Free, frugal, cheap fun!Freedom1

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-44317014658678990722009-07-09T08:43:00.000-07:002009-07-09T08:54:49.382-07:00

The 2009 growing season in Southern California has produced a bountiful harvest for us: We've enjoyed several servings of lettuce, spinach, collards, string beans, bell peppers, tomatoes.I planted some corn a while back and you never know if it will properly pollinate and produce. Much to my surprise this morning, there are currently 4 ears of corn on the stalks! I am so excited.Rosemary, oregano

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-11196699432068346142009-07-02T10:28:00.000-07:002009-07-02T10:38:41.186-07:00

Please don't let a small budget stop you from enjoying time with your family and friends! Are you kidding me?What can you do on a small budget?MuseumsTheme Park specials (with coupons) - and be sure to take your peanut butter and jelly sandwiches without any shame, thank you.Many cities have free concertsCity/County parks - peanut butter and jelly picnics are a sure hitCity plunge (swimming) -

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-89268476940934903102009-06-23T05:36:00.000-07:002009-06-23T05:42:20.728-07:00

Are you drowning in debt?Check out this article of a woman with $60,000 in debt. I admire her courage to share her story. Fortunately, many of us in the frugal village have real solutions for her and you IF and only IF you are willing to accept the fact that what you have been doing doesn't work and hadn't worked.Freedom requires sacrifice and we all know that freedom just isn't free. My highest

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-80208737079330013822009-06-20T03:52:00.000-07:002009-06-20T03:54:35.930-07:00

The latest satire from JibJab.com helps us all keep a sense of humor as many keep expecting the government to change their lives. Check it out: http://sendables.jibjab.com/originals/hes_barack_obamaTaking responsibility to change my own life makes life worth living! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-72208288986435798462009-06-19T05:28:00.000-07:002009-06-19T05:35:30.284-07:00

Many online news articles are focusing on the ever changing lifestyles of Americans who have recently decided that living frugally is chic. Chic? Oh my gosh! I cannot imagine my lifestyle as mainstream chic. How many times over the past many years have co-workers, family, and friends cringed over the sacrifices I've made to either get rid of debt, stay out of debt, or live within my means without

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-81903870565442971762009-06-12T03:46:00.000-07:002009-06-12T03:55:24.631-07:00

No matter what happens today, I intend to enjoy my life to the fullest. To help with this effort, I will limit my exposure to the negative media, walk away from negative people at work, and only spend money on basic necessities if I spend at all.I intend to frugally and efficiently make the most of every positive interaction today: I don't want to waste a moment of each one. I intend to enjoy

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-16595790770585173912009-06-07T05:23:00.000-07:002009-06-07T05:36:54.429-07:00

For all of the skeptics who believe that us frugal folks are choosing deprivation over great living, we are not. We simply make sacrifices in many segments of life and focus on exceptional fun, to us, in other areas. I see it all the time: I have co-workers and friends who make exceptional incomes, live frugally, yet take extraordinarily expensive vacations each year. Choices!I decided long ago

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-14777997730746958052009-05-26T04:39:00.000-07:002009-05-26T05:01:03.867-07:00

(Photo Courtesy of Freefoto.com) So, mom and I decided to throw a Recession-Proof BBQ the Saturday of this past Memorial Day Weekend! She baked her heart out and I barbecued the night before. We joyfully served and waited on our guests. We decided to love on them and they loved us back! It was a hit! The whole thing cost us less than a night's stay at a 3-Star hotel. We entertained about 30

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-25122970970536873302009-05-20T05:27:00.000-07:002009-05-20T05:41:08.818-07:00

There's nothing wrong with not wanting to increase taxes and it's okay to cut back or downsize spending and/or programs. It seems that eliminating is a bad word unless it relates to constipation. Well, it's not a bad word. We can also eliminate some of the voting districts and have fewer state lawmakers represent more people. Then, maybe, a fewer number of talking heads can reasonably come of

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-53320523224055030472009-05-16T05:36:00.000-07:002009-05-16T05:40:43.969-07:00

Healthy connections with others, not spending money, makes life worth living but may not help the economy. Oh well! Nurturing healthy connections has been a primary focus for me in 2009. Many successes, some failures, I continue to enjoy the good at the core of the people I spend time with day in and day out. Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-40395270666564738442009-05-10T07:10:00.000-07:002009-05-10T08:02:50.613-07:00

(Courtesy of freefoto.com)Again, was out yesterday taking mom to lunch after a pampering Mother's Day Eve morning at the day spa and guess what I saw? A restaurant and mall packed with people spending money! You just can't believe the media on this topic as I've been repeating over and over again since last Thanksgiving!!!Maybe folks are spending half of what they once did but THEY ARE spending.

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-82566705484245973242009-05-09T07:24:00.000-07:002009-05-09T07:29:51.143-07:00

If you live in the Los Angeles area, Auto Zone is hiring! I took a look at their online application so it may be regional or national. I personally would talk to a store manager to get a feel for what they are offering. Check it out! Every little bit counts! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-87597649422373078682009-05-05T15:52:00.001-07:002009-05-05T16:02:25.774-07:00

We can't control how long we live but we do have some say in the quality of life we have. Check out the healthy lifestyle recommedations offered by the American Heart Association.Hope you aren't allowing this crazy recession to depress your life and positive outlook. Our lives are so much more than society lets on. The free joy of eyesight, beauty in nature, smiles of those we encounter are all

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-8075247260927465262009-04-30T07:23:00.000-07:002009-04-30T07:46:44.300-07:00

(courtesy of freefoto.com)As the daylight lingers, your body longs for more movement and less "couch potato-ing." If you don't own any fancy home gym equipment, long walks around the neighborhood or high school track are FREE and beneficial physically, mentally, and helps curb depression!I've continued minimizing my exposure to news, weather, and sports and have increased my movement. I feel so

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-41603511430228499282009-04-29T04:59:00.000-07:002009-04-29T05:02:53.076-07:00

On MSNBC.com, Elizabeth Rogers demonstrates what many of us already do with one chicken to economize and avoid waste. Check it out!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-37283142565256781902009-04-27T07:21:00.000-07:002009-04-28T20:21:58.656-07:00

Recently, someone at work remarked that I was like Michelle Obama in growing my own veggies. I responded by noting that Michelle Obama is more like me since I've been growing some of my own food for over a decade and she apparently just started - with a lot of help I might add.It's so wonderfully amazing to plant seeds one week and eat food from those seeds a few months later. You don't need to

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-36359395337173466422009-04-21T04:49:00.000-07:002009-04-21T04:59:18.714-07:00

Trying to eat well during the recession? Consider ground turkey instead of red meat beef for various recipes. Also, consider eating less of the pound at one meal than you normally do and add more fruit and veggies to the meal. When I buy 1.25 lbs. of ground turkey, I am able to make six small to medium hamburger patties from it which becomes part of 6 servings vs. 4 with larger patties. I feel

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-26981968672474428862009-04-21T04:32:00.000-07:002009-04-21T04:36:06.391-07:00

I'm in the middle of this delightful read. He is the co-author of Affluenza. Wann presents many sound arguments and suggestions on taking charge of our lives vs. allowing the media and culture to dominate and tell us how to live. Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-54549481740969862012009-04-18T06:27:00.001-07:002009-04-18T06:47:03.590-07:00

In the middle of this recession, we can justify scaling back for the common good and improve the lives of the common people for good! If gigantic malls are going bankrupt, fewer malls might give way to more open space. Fewer restaurants might lead to more gardens for communities to grow their own food, prepare it together, and eat it together in well structured community centers in local parks.

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-91009722597563451452009-04-17T05:10:00.000-07:002009-04-17T05:12:11.084-07:00

1.God, I'm not trying to rule the roost, I don't want to be king of the mountain. I haven't meddled where I have no business or fantasized grandiose plans.2.I've kept my feet on the ground, I've cultivated a quiet heart. Like a baby content in its mother's arms, my soul is a baby content.3.Wait, Israel, for God. Wait with hope. Hope now; hope always! FREEDOM!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-16685053983815089502009-04-16T06:00:00.001-07:002009-04-16T06:02:23.874-07:00

A TIME magazine article decides to report how the nation has become frugal due to the Great Recession! Interesting read but nothing new to those of us who lived simply before the economic downturn. Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-36664888350662489672009-04-14T20:02:00.000-07:002009-04-14T20:42:06.522-07:00

A couple of nights ago we experienced yet another gorgeous full moon! Almost every time I see one, I think of the runaway slaves who escaped or died trying under the glowing clarity of the moon: They broke the law in search of freedom! Renegades to the core!I used the renegade spirit as I spent 4 years running away from debt and finally broke free of the enslaving cycle. I "bought" my freedom and

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-68939361592954473032009-04-12T05:40:00.000-07:002009-04-12T05:42:17.052-07:00

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-21162686352636357922009-04-09T04:46:00.001-07:002009-04-09T05:06:37.631-07:00

I had 2 very new and exciting small scale bartering opportunities this week between 2 co-workers: One of them shared homemade bread with me while another gave me a daffodil. In exchange, I gave them fresh organic lettuce/mesclun blend from my garden. It didn't start out as an official trade but when I received their gifts, I wanted to exhange. No US currency used so no taxes owed. Freedom!I will

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-25190254732234273732009-04-06T05:06:00.001-07:002009-04-06T05:33:35.883-07:00

Since the government refuses to give us all a meaningful stimulus package like it did for the auto industry, banks, and Wall Street, how about a reduction in the tax rate schedule for all of us? The miniscule 6.2% in tax stimulus reduction on the first $6452 of earnings or $400 is so demeaning compared to the over the top tax brackets. We need a REAL break from the percentage they already take

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-77385815468750093532009-04-05T05:35:00.000-07:002009-04-05T05:47:26.380-07:00

Another strategy I use to curb my buying of and into superfluous goods and services: I ask myself what did the ancients do? I also ask myself, "What did grandma and great-grandparents do?" This really helps keep money in my pocket because if they were able to live and enjoy life without it, so can I. The media, banks, and government seem to consistently impose discontentment with life without

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-90243848078723603952009-04-01T04:52:00.001-07:002009-04-01T05:17:39.647-07:00

I have yet to see man control a hurricane, an earthquake, natural wildfires and floods. Man cannot control nature. It's a big myth, a lie, a falsehood! Man can't "make" a rose nor create native soil for food. There's so much that man cannot do in the natural, real world. Yet, man tries to profit from the thought of global warming as the earth goes through its natural cycles of warming and cooling

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-80710747280182095002009-03-30T05:24:00.000-07:002009-04-01T05:23:41.258-07:00

As the GM CEO steps down due to US Government pressure, my 1995 Toyota pickup, which I bought new with a dumb car loan because I was dumber about finances back then, will reach 200,000 miles as I drive in to work today! I am thrilled!!!The only major repairs beyond routine brakes, tune-ups, oil changes, etc. have been a new radiator, starter, timing chain, and water pump. I want to keep this

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-50366882111819456042009-03-29T06:13:00.000-07:002009-03-29T06:15:51.165-07:00

Ecclesiates 5:18-20 (NIV)18.Then I realized that it is good and proper for a man to eat and drink, and to find satisfaction in his toilsome labor under the sun during the few days of life God has given him--for this is his lot.19.Moreover, when God gives any man wealth and possessions, and enables him to enjoy them, to accept his lot and be happy in his work--this is a gift of God.20.He seldom

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-46633259901417146402009-03-28T06:21:00.000-07:002009-03-28T06:43:28.416-07:00

Over the 9.5 years I've lived here, the songbirds seasonally show up each spring to sing their hearts out! They have no care in the world except to sing! When I moved in here, there were already two older trees available to them. Over the years, I 've planted about 7 more trees without intentionally inviting the birds to hang out at my house, but I'm glad they choose to land here. Last year, I

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-68305404193024948212009-03-25T04:45:00.000-07:002009-03-25T05:06:03.319-07:00

In my journey to makeover my finances and simplify my life since 2004, I also lost and have kept off about 14 pounds over the past 2 years. I did not go on a diet. I simply changed my eating habits which included eating in more than eating out. As I saved money on fewer items and more healthy food, the pounds dropped off. I added more exercise to my lifestlye to eliminate more fat and add more

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-39683108690945829112009-03-24T21:21:00.000-07:002009-03-24T21:48:25.383-07:00

If you choose contentment with what you have, you'll likely spend less money on what you don't need but really want or you can at least delay it until you can afford to pay cash for it without harming your emergency fund.My lists of wants are never ending.All of my needs are met and they are not grandiose: I am very low maintenance which helps me keep up with myself (smiling).So, that being the

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-45587809227199378042009-03-18T04:36:00.000-07:002009-03-18T04:40:39.713-07:00

Today,I plan to focus on being grateful! I try to pinch ideas of gratitude daily, but I am going to focus more on it today as I have so much to be grateful for and am able to express it in words and deeds. Choosing to channel my thoughts this way in the middle of work and busy activities becomes a rejuvenating form of meditation. It strengthens me and guides me in being the best person I can be

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-76740680396443097722009-03-17T01:06:00.000-07:002009-03-17T01:59:14.808-07:00

Enough already!We, the people, know how to stimulate the economy. We, the common people, know better than the bailed out executives, how to spend money in ways where MANY people benefit and not just a select few. Why give it to them? Why not give it to us? If the US Government must give away money, it needs to give it directly to the people and not corporations or banks. Can we trust a

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-5403628077872443812009-03-16T04:34:00.000-07:002009-03-16T04:39:03.752-07:00

"What a gift life is to those who stay the course!" Book of James, Chapter 5:10-11, Message BibleEnjoy simple livingPay off debtAppreciate the love and concern of family and friendsStay the Course!Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-62504613347275908202009-03-15T02:50:00.000-07:002009-03-15T03:15:47.667-07:00

"The rich rule over the poor, and the borrower is the slave of the lender." Proverbs 22:7Even churches that claim to practice what they preach from the Bible have gotten caught up in the foreclosure debacle according to the MSNBC.com article. Fortunately, my faith in God has little to do with my perspectives of and experiences with church leadership: Over the decades, I've met and interacted with

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-43747500858835062672009-03-14T07:40:00.000-07:002009-03-14T07:59:45.548-07:00

One key strategy I've used for all of my shopping involves the use of many lists. I keep a running grocery list on the refrigerator. I have a "big purchases" list as well as daily to-do lists. I realize to many, keeping lists leaves you listless (get it?)By writing what you want to buy now and in the distant future, you reduce the impulse spending and become empowered to stick to your budget.

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-46455218035992334472009-03-12T04:49:00.000-07:002009-03-12T05:09:56.303-07:00

I tend to isolate myself because I actually enjoy it. One friend calls me the happy hermit. However, living in isolation on a regular basis isn't God's best and it isn't healthy. As I make my to-do lists each day, I literally write "stay connected" to remind myself to practice what money can't buy by intentionally communicating with someone beyond news, weather, and sports. I often make myself

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-33063986730128901822009-03-10T03:47:00.001-07:002009-03-10T04:37:13.358-07:00

One component of authentic love relies on doing something for others which they cannot do for themselves. It's the essence of enjoying a meaningful life that money cannot buy.Yesterday, I received these expressions of authentic love for my birthday: My favorite German chocolate cake, you see above, baked by my mom, a handmade card from my 11 year-old godson, a card with some hugs (I love hugs)

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-61576383963401853812009-03-09T01:31:00.000-07:002009-03-09T20:06:02.083-07:00

I turn 45 years old today and it's the first debt-free-except-for-the-mortgage birthday I've had since my 20's but then again I didn't have a mortgage back then. It's been an interesting journey that has changed my life in so many ways beyond a reduction in bills. (Check out my blog archive.) Simple living offers incredible stress-free rewards.My birthday wish for everyone is that you will take

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-48512043392262966242009-03-08T03:39:00.000-07:002009-03-08T03:40:49.806-07:00

The best things in life are free and tax-free! Enjoy them! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-15683307854994699002009-03-06T04:32:00.000-08:002009-03-06T04:47:15.627-08:00

Our United States currency still boldly proclaims on each bill, "IN GOD WE TRUST." Had it not been for my faith, I certainly would be in a terrible state of mind right now.I really only trust God. My faith has actually increased in the last 4 years as I paid off debt and became prepared to address the effects of an economic slowdown or recession without being fully aware that it was coming head

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-86486004916891854042009-03-04T01:26:00.000-08:002009-03-04T01:51:43.021-08:00

You can do it! You can sacrifice buying wants during this recession and pay off your debts so that when the economy picks up, you will be in a very powerful position to impact and create change in your immediate world. With only a mortgage, I am free to both save and give. My attitude about life improves daily because I am not weighed down by the "making ends meet-rob Peter to pay Paul -when is

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-85339932354684866182009-03-01T04:33:00.001-08:002009-03-01T04:45:15.409-08:00

Periodically, I enjoy reporting my own news regarding the economy. I needed to buy a couple of items at IKEA yesterday and the store was packed. Plenty of employees around to assist customers. Many people were in line to purchase items. I sympathize with anyone who is between jobs. I hope positive news of what's working, instead of the ominous doom and gloom regularly reported, encourages you.

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-85958501193394492972009-02-27T04:47:00.000-08:002009-02-27T04:52:20.445-08:00

Does it feel like Washington D.C. has gone delirious? I'm not living in fear but continue to remain cautious about the imbalanced euphoria in believing that spending will set anyone free. Personal experience dictates otherwise. Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-78277606228342001942009-02-23T03:13:00.000-08:002009-02-23T13:18:37.734-08:00

Just completed a 4-day fast: 3 days of water only and 1 day of juice only. Today, and the rest of this week, I will gradually return to my next-to-regular-way of eating with vegan intakes. Already, I only eat chicken, fish, shellfish, and turkey products. I gave up pork quite a while ago and beef in the last year. I still enjoy the taste of red meat but my body does not digest it well at all so I

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-22436358321954213352009-02-22T04:33:00.000-08:002009-02-22T05:18:00.543-08:00

If you are thinking about moving to avoid state income taxes, the following list from about.com leads the way to go:Alaska, Florida, Nevada, South Dakota, Texas, Washington, andWyoming.Two states tax only dividend and interest income:New Hampshire - a flat 5% tax on dividends and interest income over $2,400 per (or $4,800 if married filing a joint return).Tennessee - a flat 6% tax on dividends

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-10534261684968332012009-02-22T03:41:00.000-08:002009-02-22T04:08:43.907-08:00

Check out "Death of a Dream," by Joel Kotkin in the Newsweek article online. It's a perfect example of negative voices that focus on splotches of evidence among a minority of California residents without considering the dispositions of the majority. Over 30 million people live in California. Mr. Kotkin decided to focus on a tiny sliver of the plutocracy which primarily includes politicians,

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-24506865998400697082009-02-21T20:16:00.000-08:002009-02-21T20:18:10.060-08:00

We have so much to be grateful for and I intend to enjoy it! The best things in life are still free! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-45468438934961193112009-02-20T04:16:00.000-08:002009-02-20T05:09:39.312-08:00

The State of California finally passed a budget full of tax increases. No need for me to panic or spend my life's energy caught up in a debate that I am powerless to solve or erase. However, I have choices in how I behave with my own money: Frugal people like me will likely spend less or utilize more ways to pay for items out of state and have them shipped to us.Our new budget will raise the

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-61882311861767589692009-02-18T22:15:00.000-08:002009-02-18T22:48:05.776-08:00

(Please feel free to use these photos in your own publications.) Spinach growing in my garden. Jade plant in the front yard. Lilacs blooming on side west side of my house. Calla lily in the front yard. African lily in the back yard.I invite you to silence your radio, turn off your TV, walk away from your computer and toward whatever creates levity in your life, if only for a few minutes. Plants

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-1191013333732426942009-02-17T20:50:00.000-08:002009-02-18T21:39:11.066-08:00

First, if you live in California, cars older than 6 years old must be tested every two years to make sure they aren't over-polluters. It's a great racket, uh, business. I found a coupon at http://www.smogtips.com/ which helped reduce the cost by $30. I paid a total of $59 - just $9 more than I paid 2 years ago.I sat in the lobby trying not to hold my breath because although I've kept up the

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-90125943428488589702009-02-15T05:23:00.000-08:002009-02-18T22:43:37.557-08:00

Just before Thanksgiving 2008, I finished Harriet Tubman by the brilliant researcher Catherine Clinton who, by the way, wamly responded to my email that I sent stating how she enlightened me.Tubman remains one of my favorite real life heroes but I was struck by how she crafted dozens of runs to free so many slaves but did not adequately prepare for her own retirement in Canada: Over the course of

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-75780451894578395412009-02-14T05:18:00.000-08:002009-02-14T06:08:13.725-08:00

Happy Valentine's Day to all of the 6 billion+ people in the world!This message is targeted to the singles without a "special" Valentine: All you need is love! (Thanks Jesus and The Beatles!) Even if you had a special committed one-on-one romantic relationship, it's never enough. You've got to have those other friends and connections to make life balanced and fun. The more love I give, more love

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-35881827922717413032009-02-13T05:26:00.000-08:002009-02-15T06:38:13.012-08:00

From Matthew 5:1-16 (Message Translation)1.When Jesus saw his ministry drawing huge crowds, he climbed a hillside. Those who were apprenticed to him, the committed, climbed with him. Arriving at a quiet place, he sat down2.and taught his climbing companions. This is what he said:3."You're blessed when you're at the end of your rope. With less of you there is more of God and his rule.4."You're

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-20428613853161032212009-02-12T04:26:00.000-08:002009-02-12T22:22:16.020-08:00

I continue to read articles that blame the current recession on consumers who won't SPEND. Oh brother! The media somehow twist our frugal choices as harmful to the country. I find these accusations extraordinarily BIZARRE!Frugal people chose to spend and use our resources with as little waste or flamboyance as possible. Frugal people are in all economic groups and classes. Frugal people spend

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-55603176129766254762009-02-12T04:03:00.001-08:002009-02-12T05:22:09.452-08:00

Based on my own experiences with confronting mental illness in my own family gene pool, and past periods of depression and anxiety within myself, I am assessing that the mom of the new octuplets needs our compassion far more than our judgment. Our country has a very poor record of how we address the mentally ill and I refuse to go along with how the media attempts to create opportunities to

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-54836296814740231612009-02-09T18:25:00.000-08:002009-02-09T18:48:39.500-08:00

I had my free tire rotation at the Just Tires Store owned by Goodyear this afternoon. I asked the familiar sales guy if Goodyear was laying off and he smiled as he told me not only were they not laying off, but he went over his quota and recently got a raise! It was a pleasure to hear good news about his employer and his own success! I congratulated him, wished him well, and said I'd see him in

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-85427201515102274902009-02-09T18:16:00.000-08:002009-02-09T18:23:44.862-08:00

If you have about 16 minutes, check out a wonderful short film about validating others on YouTube! I discovered it from a fellow blogger. I hope you feel inspired. Freedom!Validation ENJOY!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-54001443797974348982009-02-08T06:24:00.001-08:002009-02-09T18:24:55.251-08:00

As crazy as generational family lines can be, all of us have ancestors who survived worse economic times than what we are currently facing. For me, worrying about the current state of the economy is simply not an option.Fortunately, my grandmother shared many stories of being a poor teenager in rural Mississippi in the 1930's directly with me. All of her life, she lived frugally and made her own

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com2tag:blogger.com,1999:blog-6009019064402816490.post-47910877596504661082009-02-07T13:01:00.000-08:002009-02-07T13:12:49.491-08:00

I went to the Saturday morning Zumba class at the gym today and boy did she give us an invigorating workout!!! There must have been about 75 of us representing various cultures, youth, seniors, in shape or training to get there. Check it out! Have some frugal fun! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-77643138130127362972009-02-07T12:56:00.001-08:002009-02-07T13:00:47.837-08:00

If you haven't done so already, check out the Live Strong website. I enjoy the holistic approach to personal growth and change. Phenomenal! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-9569079124957470122009-02-07T12:03:00.000-08:002009-02-07T12:48:15.537-08:00

My Loving People small group discussed issues of letting go last night as we are all determined to facilitate personal growth together this year. Letting go is tough until it starts to ruin your life.Our great teacher imparted the following to us:Loving people are growing people who are continually changing to become better people.Safe people are spiritual and willing to look at their "stuff" or

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-35690671148658715702009-02-05T20:37:00.000-08:002009-02-05T21:02:05.804-08:00

"Dear friends, since God so loved us, we also ought to love one another. No one has ever seen God; but if we love one another, God lives in us and his love is made complete in us." I John 4:11-12When I am in the company of loving friends, the world's problems totally shrink, money problems don't exist, and global warming remains only a theory that I care less and less about. Loving and

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-9954794465439075652009-02-03T04:05:00.000-08:002009-02-03T04:33:10.550-08:00

"Keep It Simple, Steph" has been one of my mantras for several years. While I am not a trained economist and I admittedly don't get the BIG picture of many projects because I can focus on implementing details, it just seems to me that the government is making a terrible move in the giving away of money it doesn't have. Here in California, our elected officials seem totally clueless about money

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-66720624711588896212009-02-01T08:39:00.000-08:002009-02-01T08:55:31.758-08:00

Just finished The Overspent American by Juliet Schor. She provides much of the research, surveys, and data that support an objective point-of-view of perilous spending of money you don't really have and how us humans are so vulnerable to traps of spending and keeping up appearances.Check out Juliet Schor on YouTube. Rethink, react, set yourself free.Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-321114101025345472009-01-31T08:54:00.000-08:002009-02-01T08:29:29.312-08:00

Before entering the promised land, the Israelites had to wander in the wilderness for 40 years. God provided the manna for sustenance and all of their basic needs were met. Yet, they complained. They couldn't enter until behavioral changes were made internally. For me, the promised land is living debt free including the mortgage: I want to live on little materially but contribute hugely to the

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-27439981175249642222009-01-30T17:31:00.000-08:002009-01-31T09:59:15.576-08:00

The blogger at Frugalista Files is pledging to spend money only on the neccessities in February. I've been cutting back since 2005 so my efforts are now my lifestyle.When I first began, I scrutinized how money was leaving my wallet and bank accounts. To this day, each week, I ask myself, "Is there something else I can cut back on...something that I really don't need."A few of my first reductions

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-51838656762661698362009-01-27T20:24:00.000-08:002009-01-27T20:41:35.385-08:00

"Pleasant words are a honeycomb, sweet to the soul and healing to the bones."God surprises me through my encouraging and very loving friends. Money can't buy their sweetness and healing touch. I am grateful! Freedom!

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-83265204735171896202009-01-24T17:18:00.000-08:002009-01-24T18:07:57.584-08:00

I joined a support group last night at my community church. Each Friday night, 24 groups, with every life topic imaginable, run simultaneously after a community dinner, testimonies of success, and announcements. I joined the Loving People group - based on the book by Dr. John Townsend - and I have a master teacher. I'm very excited! Our group had about 100 people in it. We later broke up into

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-50651431218163130732009-01-24T16:19:00.000-08:002009-01-24T17:15:55.913-08:00

On my way to the gym this afternoon, I heard a radio money adviser tell a caller to not pay off her student loans and invest in the stock market. Of course, I SCREAMED NOOOOOOO! BAD ADVICE! He went on to say that she should treat the $40,000 loan like a mortgage.I learned from a few folks who believe in freedom, not the world's system of money management, that debt is an oppressive trap. (For

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-81091094317156387412009-01-21T18:37:00.000-08:002009-01-21T21:05:24.968-08:00

It is January 21st. There are 10 more days left before February. This month, I budgeted $250 for all of my meals, household detergents and paper products. (BTW, I stopped buying paper dinner napkins, paper cups, and paper plates several months ago and began using cloth napkins, dishes, ceramic mugs, glasses all the time.) I still buy cheap paper towels and, of course, bathroom tissue in bulk and

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-27042781691186289722009-01-19T09:24:00.000-08:002009-01-19T14:27:18.073-08:00

I am enjoying the wave of hope, dreams, and change on this MLK Holiday, the day before the Inauguration of our 44th president, Barack Obama. I am especially enjoying it because I already know I can change for the better and my change is still my personal responsibility.4 years ago, I began experiencing a new powerful wave of personal change as I began paying off debt. Now with only a mortgage and

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-64099067426760947202009-01-17T18:44:00.000-08:002009-01-17T18:59:20.577-08:00

The seminar was by far one of the best I've attended in a few years! (Read previous post for more details!) He totally focused on Loving People, his new book.Afterwards, I joined a small group that will begin meeting next week to further examine the topics in his book: What is Love?, The Key Aspects of Love (connecting, truth-telling, healing, letting go, and romancing), Becoming a Loving Person.

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-76384571533281115542009-01-17T06:10:00.001-08:002009-01-17T07:04:06.588-08:00

I began the weekend with leaving work immediately yesterday afternoon with "gazelle" intensity (a Dave Ramseyism) and headed home on the side streets - the method I've chosen to commute by driving for the past couple of months. I finally stopped in at a second-hand shop that recently opened. In 30 minutes I was able to buy a couple of tops, a skirt, and a pair of pants for $13.50. Some have

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-11648431971852670772009-01-16T21:18:00.000-08:002009-01-16T21:22:03.057-08:00

This is the first of 3 library books I put on hold. I hope to pick up the other 2 tomorrow.

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-15373944540418875282009-01-16T18:32:00.000-08:002009-01-16T19:32:31.641-08:00

I am a born and trained teacher. I want to let folks know what really works in creating a meaningful and simple life without feeling like a deprived American and it works for many, many people. I don't always need professional advice: I need access to those who are sincerely trying to walk according to the beat they hear inside and are willing to share what works for them.I enjoy writing.Over the

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-32706584970622333052009-01-11T21:00:00.000-08:002009-01-12T18:23:34.385-08:00

For the past 2.5 years, I read, on average, 2-3 books a month, mostly non-fiction. (My favorite fictional writers are Walter Mosley and John Dunning: Both of whom are mystery writers of realistic fiction.) I was able to devour lengthy, thought provoking books primarily because I took a combination of train/bus to and from work. Now, that I am driving again, I am choosing to give up the weekly 7

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-10096827198606783292009-01-11T07:45:00.000-08:002009-01-16T19:38:17.305-08:00

I happened to watch an episode of Super Nanny the other night and wasn't too surprised with the lack of order and routine the young coupled faced while raising their 3 little munchkins. I realize much of the drama may be accentuated because it is, after all, a programmed TV show in the race for ratings. However, I know first hand that many people really do live chaotic lives and have little

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-78118039840135486612009-01-10T20:11:00.001-08:002009-01-11T08:17:27.536-08:00

This is a genuine Coach purse that I bought on eBay for $28. Used? Yes. Older style? Yes. I can use it for many years and I wanted (not needed) a black purse.Purchases like this one make me giggle inside because I have nothing against most used/second-hand items. It ranks right up there with a London Fog raincoat I bought for $5 a few years ago at a yard sale and a silk blouse I got for $4 at a

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-80977405445856661992009-01-10T19:51:00.000-08:002009-01-17T07:12:02.118-08:00

I gave up buying bottled water for 2009 and today I bought 3 canvas bags for shopping but I am not going to win the war against my use of plastic bags and containers: It's EVERYWHERE! I can hardly buy anything that isn't packaged in plastic.So, I need to let this one go because I will end up stressing out over it. I suppose until manufacturers give up using plastic, the landfills will continue

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-92201174962360164222009-01-10T19:34:00.000-08:002009-01-10T21:07:39.373-08:00

One of my cheap thrills for the past year has been waking up to the enticing smell of a cooked meal. How did I live for so long without a slow cooker? I really like tossing in all of the herbs, spices, mushrooms, celery, and usually chicken breasts or drumsticks and turning it on low about 2 hours before I go to bed. When I wake up, it's like someone prepared food just for me and then I laugh at

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-23171962642554647132009-01-07T18:48:00.000-08:002009-01-11T08:18:59.402-08:00

"Whoever loves money never has enough; whoever loves wealth is never satisfied with his income. This too is meaningless."Ecclesiastes 5:10The irony of the billionaire's suicide is that a resolution between his business and the banks was made two days after his death. (Read his story.)I've heard it said in many sermons and from motivational writers that it is not how you start in life but how well

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com1tag:blogger.com,1999:blog-6009019064402816490.post-65191968624917704482009-01-06T18:52:00.000-08:002009-01-06T19:56:34.446-08:00

I haven't spent any money outside of monthly bills and giving to my church since last Saturday: I went to the farmer's market, filled my car with gas, and came back home. It is now Tuesday night and I still have a half tank of gas, food for all of my meals for the rest of the week, and enough coffee for the next 3 months that I brew at home. I think I will shoot for a 5-day spending fast. I've

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com2tag:blogger.com,1999:blog-6009019064402816490.post-80008952573564821522009-01-03T10:35:00.000-08:002009-01-03T11:44:55.370-08:00

My favorite Aesop's fable is theThe Tortoise and the Hare: The slow tortoise wins his/her own race every time. Although I have applied some elements of this philosophy longer than the four years I have intentionally lived a simpler life, (I started in 2005), I keep reading material by sooooo many others who are winning in life by moving slower in everything. What's the rush? Why hurry if you

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com2tag:blogger.com,1999:blog-6009019064402816490.post-66580772726223091662009-01-02T08:03:00.000-08:002009-01-02T08:45:43.156-08:00

My new year's challenge to you is to turn off the news and read the entire book of Proverbs for the next 3 months.Start with Proverbs 6:6-8: "Go the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest."Please don't wait for a new president or government to change your life (they really

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-82586614972043422792008-12-31T15:22:00.000-08:002009-01-02T17:39:44.059-08:00

I will celebrate New Year's Eve with a lobster tail and crab leg dinner, a side of steamed broccoli and a baked potato or rice pilaf. I will have a glass of sparkling apple cider. Since I am preparing this meal at home myself and the seafood was on sale at my local market, this meal will cost me about $10 per serving and I bought enough to serve myself another round or two tomorrow, New Year's

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-22834005543828838012008-12-30T16:01:00.000-08:002009-01-02T17:42:58.214-08:00

(This photo was taken in my backyard a couple of days before Christmas. It must have been around 55 degrees that day. Cold for Southern CA)I just made another pot of chicken veggie soup from scratch and it is probably the best one I've ever made. Of course, I say that each time I make a very tasty soup. The chicken was from the one I baked for myself on Christmas. I added the last of this

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-56519211849106904702008-12-30T15:44:00.001-08:002009-01-02T09:35:20.087-08:00

Above is the new bathroom faucet I installed myself! Although over the past 9 years I've installed kitchen sink fixtures, a garbage disposal, and a dishwasher (which was very easy), I found this particular project a bit challenging since I hadn't tackled this one before. I always aim for near professional without settling too much for slipshodiness. The best thing about plumbing is that you must

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-58239189354171766482008-12-25T08:36:00.000-08:002008-12-25T17:38:06.248-08:00

The simple message of Christmas serves as the foundation of my simple living: Jesus was born to give us an abundant life that surpasses anything you will find on Earth designed by mankind. It can't be bought because it was freely given. It's all about love and freedom.The beauty of the Christ(mas) story provides a wonderful outline for simple living even if you don't believe in the spiritual

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-7160685232760569252008-12-24T08:12:00.000-08:002008-12-25T17:40:59.498-08:00

(Article on Payday Lenders is linked in this blog's title.)I have nothing else to add to the practice of payday lenders: Their businesses remain legal and rely on voluntary subjects who prefer another form of modern day slavery to freedom. Businesses cannot excel without willing customers and the government for bailouts when they fail.I can only speak to the fact that when we choose to live on

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-55612174742756015902008-12-23T08:35:00.000-08:002008-12-23T09:10:52.669-08:00

"He who works his land will have abundant food, but the one who chases fantasies will have his fill of poverty." - Proverbs 28:19Everyday I have the choice to pursue reality and contentment or fantasies and self-destruction through choosing a mindset that forces me to chase more unrealistic lifestyles that don't offer me peace and joy. The reality of living well for me includes the basics:

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-24396404549998367802008-12-22T10:00:00.000-08:002008-12-22T16:34:30.811-08:00

"The need to be perfect is a terrible burden. It means there is no rest, no serenity, only striving and failing, since perfection can't change and to be alive means to change. So even if it were possible to be momentarily perfect, that would be the end of the line - as a verb, "to perfect" means "to finish." The gnawing sense of imperfection can taint the simplest pleasure and the greatest

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-63404802710500478222008-12-17T20:45:00.000-08:002008-12-17T21:41:04.303-08:00

Well, Christmas is a week away and I've learned that the primary gifts of living are loving, forgiving, and letting stuff go. Some might wonder why I would include these thoughts in a blog about being frugal but the challenge of these three threads are core to a free life with less emotional baggage/stuff. The more I learn to love difficult people, (cause it is always easy to love those who love

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-49088721633193752112008-12-04T18:46:00.000-08:002008-12-04T19:40:17.452-08:00

A couple of decades ago, I totally gave up shopping for the "Christmas" season. As I became a more consistent giver of my time and resources throughout the year, I found the holiday rush to be frivolous and shallow. It unnecessarily raises my anxiety so I gave it up.As a discipled Christian, I believe in looking for opportunities to love others through giving and that includes far more than just

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-3688017011930175802008-11-27T12:21:00.000-08:002008-12-04T18:27:03.972-08:00

Most of my adult life, I have either cooked an entire Thanksgiving meal or contributed to a gathering. NOT THIS YEAR! I neither asked anyone to join me today, nor did I accept any invitations simply because I really needed to rest. Since I don't eat out much throughout the year and cook/prepare all 3 of my meals each day at home (I always take my lunch to work), I allowed myself to enjoy a

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0tag:blogger.com,1999:blog-6009019064402816490.post-85687125495119525412008-11-25T20:43:00.000-08:002008-12-25T08:56:44.360-08:00

Frugal living liberates me in all areas of my life. Since I seriously began the debt free quest in May of 2005, I've not only paid off significant amounts of debt (including mortgage debt but not debt free yet), I've been able to totally makeover all areas of my life! It hasn't been easy but totally worthwhile. I can honestly say that I've taken at least 1000 baby steps over the past 42 months

Stephhttp://www.blogger.com/profile/02525943890352935190noreply@blogger.com0