Sunday, January 20, 2013

Homemaking, one bite at a time.

Homemade Challah

For months now, I have been going through a transformation, here at home.  With the help of a group of wonderfully supportive fellow Facebookers, I have been taking small steps in my life, to declutter, simplify, and focus on what is really important.  When we started, we had a lot of common goals.

Most of the goals started out in the arena of what we wanted less of.  Less clutter.  Less stress.  Less money trouble.  Less junk in our way, messing up our homes.  Less keeping up with the Joneses.  But as we talked, we also discovered what it was we wanted instead.  Clean, peaceful homes, filled with mindfully chosen useful and beautiful things.  Lives lived in contentment, within our means, with time for the things that are really important, and that set good examples for our kids.  More gardening, baking, sharing, crafting, and beauty.  More connection to others, and to the earth.

Those were our ideals, and they were lofty.  They left us with that daunting question: How do we get there from here?

Well, how do you eat an elephant?  One bite at a time.

We began encouraging each other through weekly challenges.  Though some of the challenges hinted at the ideals we were longing to live out, the majority smacked of the mundane and the repetitive.  Keep a clear counter.  Track your spending.  Take the too-small clothes out our your kids' dressers.  Start a laundry routine you can stick to.  Make a nice dinner for your family.

They were good challenges in that they were things we needed to improve at.  But they seemed like such surface things.  We were craving something more visceral, more enlightened, and yet, it seemed almost impossible to get away from some basic connection between simple living and being clean and organized.

From The Complete Tightwad Gazette:

 

"I have had this same experience on several occasions: I visit the home of someone on a small income, frequently a senior citizen. The home is tidy, orderly, and inviting. I like being there.

Maybe the hostess asks me to get the milk. Only then I notice that the refrigerator is of a vintage bordering on antique. The paint has worn through near the handle from decades of openings. But the refrigerator is also lacking in fingerprints and the litter of shopping lists and phone messages adhered with cute magnets and clear tape. [...]

A further tour throughout the home would reveal a similar pattern. Furniture might be mismatched by good looking. Woodwork might need to be repainted, but it is clean. Nothing is brand new, but somehow the entire home has an appeal.

Where we live has a marked effect on our sense of well being. If we are happy in our home we have less need to leave it and spend money."

As we go along, it is becoming clear how the simple, somewhat monotonous tasks of homemaking really make up the stuff of life. If they are going smoothly, we have space for creativity, deeper spirituality, real human connection. But if they are a mess, we just feel harried and inadequate.

"Consider this: if your home is not providing you with a place of peace and calm, of focus and motivation; if your home is instead a major source of stress and anxiety in your life, then isn't it obvious that things are seriously out of balance? [...] How you live in the home -- eat, breathe, sleep, play, and connect with loved ones -- should be the antidote to stress, not the cause."
~Peter Walsh, author and organizer extraordinaire

Elevating the importance of peaceful home life seems to be at the heart of the simplicity movement. It isn't about keeping things clean for the sake of appearances, or even worse, to compete with Jane down the road.  Rather, it seems to be about realizing that if we can learn to keep comfortable homes, our families will want to be in those homes, and that will support our larger goals of cultivating an attached and connected family.

Kim John Payne, Waldorf educator and author of the book, Simplicity Parenting, has this to say about the link between simplifying and strong families:

"While our love may always be there, our attention can suffer, our connection can sometimes falter, and when this happens, understanding [our children] can seem like a whole lot of work. Our instincts are not always strong. Simplification is about stripping away the distractions and clutter that monopolize our attention and threaten our connection."


As a group, we are certainly finding this to be the case.  One member came on to post in celebration that she was so caught up with cooking and cleaning that she had extra time to devote to playing  farm animal dominoes and candy land with the kids.

Hubs, playing guitar for the kids, after bath time.
For myself, because I have been caught up with the house, I have been baking more. My husband has had the space in the evenings to sit in the living room and play guitar. I have cleared off my craft desk, and have begun creating again. My son can go downstairs, find a clear space to play, and build something out of LEGO.  Friends and family can drop in unexpectedly for lunch or tea, and I have a place for them, and food to feed them.  I can offer to share things with others, and there is space to walk into my storage room and find the things I am looking for.

My clean home is empowering us to be more present, creative, productive, and generous.  It has been the best kind of surprising.

Image credit to Soulseeds: Daily Affirmations

Sunday, January 13, 2013

Facebook Freecycle

Just some of the things claimed during our Facebook Freecycle

January certainly seems to be the month of 'Clean all the things!!!'  Everyone seems to be sorting through things and decluttering, jumping on their New Year's resolutions that will make this year the year that they finally get it all together.  The stores know this, and the flyers are filled with sales on boxes and bins, wardrobes and drawer units, all for the budding organizer.  And if that is the bandwagon this month, I've jumped on it with both feet.

Friday night, Nik slept over at my mom's so that first thing in the morning we could tackle the giant pile of junk in our ridiculously full storage room.  Knowing that there was a lot in there that we really didn't need, we talked about what to do with it.  We could have a garage sale, but no one will come to a garage sale in January in Winnipeg, so we would have to store everything still until spring.  We could try listing things on Kijiji, or elsewhere online to sell or swap, but that would also mean a lot of waiting and arranging.  We could truck everything off to a thrift store.  Many of my friends and acquaintances have done that in the last couple weeks.  Truck and van loads of stuff to charity.  January seems to be their windfall month.  Yes, the secondhand store seemed to be a good option.

But I had also seen people asking for things on Facebook.  Does anyone have a salad spinner?  What about any maternity clothes to share?  Oh, shoot, friends would respond.  I did have that, but I dropped it off at the thrift store last week.  So I thought, well, I will offer up my cast offs on Facebook before we truck things down to the thrift store.

I was amazed at the response.  We had a respectable pile, over 35 individual things, plus books, dishes, Christmas decorations, and adult clothing.  At least half was claimed, and most of that was picked up that same day.  Everyone's response was similar: Thanks, this is great, I will get a lot of use out of this.  People sent me Facebook messages and left comments saying, "This is a great idea.  We should do this, too." 

One message I received told me this story:

"It was nice to see someone else who gives things they no longer need away instead of selling. When we moved overseas, we gave everything we weren't taking with us to a local charity that has a food bank and store to raise funds to help those who need it. They also give things to people who may have lost stuff in a house fire or are really in need. So we gave beds, living room furniture, kitchen stuff, toys, etc. I couldn't bring myself to sell it because I KNEW when we moved here people would give us a lot of stuff and I was right. We got beds, a beautiful cupboard for in the livingroom, dishes, bedding, tables, a TV and microwave.
Sure we could sell it like most people do and we have before had garage sales, it's just at this point in my life it's like sharing what we've been blessed with."

Sharing what we've been blessed with.  What a simple and profound way to look at things.  I have to admit, I thought I was just getting rid of junk.  But I was surprised at how good it felt to just give things away to people who could use it.  We'll definitely do it again.

Storage room 'After' picture
See that clean floor?   Imagine it stacked to the ceiling with junk, and you've got your 'Before' picture. ;-)

Friday, January 4, 2013

Within our means

I can hardly believe it, but after months of thinking about it, planning to do it, tweaking the costs of our fixed expenses, tracking our spending, and determining realistic amounts for monthly food and transportation costs, we FINALLY have our projected budget done.  In rough thirds, our new budget includes one third for fixed expenses, one third for variable expenses, and one third for mortgage and debt repayment.

The hardest part of the process was trying to figure out where all our money goes, what to allow for in the budget, and what is a reasonable amount to plan on spending in variable expenses categories.  In case you are also in the process of putting together a budget, and feeling as confused as I was, I thought I would share my recommended areas to include in your fixed and variable expense categories.


Fixed Expenses to Consider


Housing
In our case, our mortgage is not a fixed expense.  We have a non-traditional mortgage through the Manulife Bank that functions more like a line of credit than like a mortgage with a fixed payment.  Because of this, we consider our mortgage repayment in the Debt Repayment and Planned Spending portion of our budget.
However, there are other housing costs over and above our mortgage that are fixed, and need to be planned for.  They include electricity and gas, water and waste, and our property taxes.

Insurance and licenses
In our budget, this includes insurance for home, auto, life and disability, as well as our driver's licenses.  If anyone in your family has to maintain a license for work, put the cost for that here, too.  Most of these are annual costs, but by dividing the annual cost by 12, and including it in the monthly budget, we ensure that the money will be there when we need it.

Services
In our budget, this includes our cell phones, home phone, internet service, cable tv, and Netflix costs.  This is the fixed expense that stood up to the most modification.  You don't want to pay for more service than you need, or you can really afford.  With the exception of our cell phone contracts, all these services could be discontinued if we were willing to go without, and we saved money on most by dropping extra things, and shopping across providers for the best price.

Church and school
It is important to my husband and I to prioritize giving to our church (the money is used to pay the church's mortgage, to support needy members, and also to support various church-funded projects and pay our pastor), and also to pay membership fees in a local Christian school.  In addition to these costs, my son also attends a small private preschool, two afternoons a week.  These costs are all determined at a monthly rate, and are included in our fixed expenses.

Bank fees
This is a very small percentage of our monthly budget, but it all adds up.  If this number does not represent a small number in your monthly expenses, it may be wise to shop around for a better rate.  In the past we found that it actually costs less to pay a higher monthly fee that allows for more transactions, if you find you are exceeding your limit, and paying per extra use.

Variable Expense Categories


Food
This represents more than half of our variable spending.  We love to eat, and love to eat well.  The money in our food budget doesn't have to be spent all at the grocery store, but it goes a lot farther there than it does at the pizza place.  We are still learning how to cut costs here without sacrificing taste, nutrition, and variety.  Some things that are helping are meal planning (which cuts down on impulse spending and waste when unused food spoils in the fridge), making the vast majority of our baked goods ourselves, comparing unit prices to find the best deal, and buying pantry staples and freezer items in bulk and on sale.  I hope that some gardening and shopping for in season produce with help us to joyfully stick to our budget as the weather gets warmer.

Transportation
Mainly the cost of gas and bus tickets, this category is our second highest variable expense.  A car wash would also be recorded here, and our routine oil changes.

Consumables and Personal Care
This is the budget for things that get used up.  Shampoo and conditioner.  Aluminum foil.  Paper towels.  We are trying to save money in this area by using these things less often, and/or using less per use.  Some things in this category, like resealable plastic bags, can also be washed and reused a few times, making a purchase last longer.  This is also the category that allows money for personal care services that need to be kept up, mainly hair cuts.  Thankfully, none of us is maintaining an expensive dye job.  ;-)

Home and Clothing
This category represents the 'stuff' we buy.  Any expenditure for the house, including home improvements, decorating, gardening, and furnishings would fall into this category.  Also clothing (including footwear and outerwear) for the whole family is included here.  This is not a large number in our budget.  We make the money stretch by shopping secondhand, swapping for needed items with other families, and doing as much as we can ourselves (e.g. starting plants from seed indoors, instead of paying for bedding plants in the spring).  Freecycle and our city's free weekends held twice a year are also great for meeting our needs on less.

Entertainment and Gifts
This is the category for all things extra.  Hobby spending, computer games, craft supplies, toys, booze, eating out, admission costs of any kind, you name it.  If it isn't essential, this is the category.  However, this is also the category with the most flexibility.  IF there is money leftover in the food budget at the end of the month, beer is allowed to be counted as food.  IF there is money available in Home and Clothing, maybe part of the cost of new computer part could come from that budget.  Saving money in other areas of the budget means extra spending for fun stuff.

Flexibility


One last thing worth mentioning is that the income I based our budget on is what I like to think of as guaranteed income.  It is the combined amount of my husband's salary, and the two government cheques we receive each month, the Child Tax Credit, and the Universal Child Care Benefit. 

However, this 'guaranteed income' is not the only money that ever comes our way.  My husband does get occasional commissions at his job as an insurance broker. I have a small income from some babysitting, tutoring, and potentially from casual work with my previous employer.  Other occasional income includes anything we get at tax return time, or from our annual cheque from our cooperative gas station.  Some income can also be generated by reselling items we no longer need at garage sales, through classified sites like Kijiji, or by selling to consignment shops around the city.

Any extra income can be added to any variable expense budget, to give it a boost, or it can be used to increase our debt repayment, which is especially important if our debt repayment goal for the previous month was not met, due to overspending in the variables, or an emergency that came up.

By keeping some flexibility in the budget, I hope that it will be easier to stick to.  Life is not the same every month, and expenses vary.  But one thing is constant.  You never get anywhere, living on money you haven't earned yet.

Wednesday, January 2, 2013

Cutting costs with handmade gifts


Gifts for Nik's three preschool teachers.

This year we celebrated our first single-income Christmas.  We didn't want to cut back on gift-giving, but we needed to cut back on spending, and so inexpensive handmade gifts presented a good solution.  We didn't make everything we gave this year, but making some of what we gave helped us save money, and lower our overall gift budget.



These ornaments are made from one sheet of light blue EcoFelt, which I picked up inexpensively at a local craft supply store.  The embroidered snowflakes were done in white embroidery floss, and I managed to do all the stitching with just one skein of floss, that I already had on hand.  I didn't use a pattern, but the inspiration for the ornaments came from a book that I borrowed from the library; 'Fa la la la Felt' by Amanda Carestio .  Stuffed with a bit of wool, and finished off with a little bit of ribbon that I already had, making these ornaments only cost me about 18 cents in new materials.



This infinity scarf was completely free.  I got a bag full of yarn (25% wool/75% polyester) from a friend, whose mom was looking to find the yarn a new home.  Because I am a novice knitter, this scarf's very basic pattern of rows of 45 stitches, (Knit 3, Purl 3, repeat to end) was a perfect project.  Hours of knitting in front of the TV I was watching in the evenings anyways, and this gift was complete for $0 of new materials.  Win.



I picked up five holiday-themed cookie tins at a local thrift store for 49 cents a piece.  After I had washed them thoroughly, they were filled with tissue paper from my gift wrapping supplies, and cookies from a cookie exchange I participated in, in early December.  Because I managed to keep the cost for the cookie exchange cookies within my monthly grocery budget, the money for the cookies didn't need to come out of the gift budget, giving me five more gifts (for teachers and our next door neighbours) for essentially $2.50 plus tax.

These cinnamon-scented ornaments are the most expensive of the gifts featured here.  For the cost of half a jar of applesauce, a container of cinnamon picked up for a bargain (less than $3) at Costco, and half a bottle of white glue that we already had, I was able to make a cinnamon dough with some direction from Martha Stewart and the website, Homemade Gifts Made Easy.  Using cookie cutters that I already had, I made gift tags for several gifts, and a set of ornaments for my mom, as well as one commemorating my brother's recent engagement.

Jump rings for the ornaments are made from gold wire that I had leftover from another project.  The most expensive part of this project was purchasing the paint pen that I needed for the writing.  At $3.99 for a pack of 2, they made this project exceed the $5 mark, but still under $10, and the pens will now be around for other future projects, too.