I have five small children and at times, I have struggled. There have been days where we have more "have nots" than "haves." However, having a large family is a beautiful thing with an investment for years to come. Herein, I will discuss life, things we have learned (or are dealing with) and also suggestions for others. Hopefully I can shed a male perspective on family life as well as other things a dude can encounter as a father.
Showing posts with label Cost of Living. Show all posts
Showing posts with label Cost of Living. Show all posts

Saturday, November 24, 2012

Don't feed the bears

It is a simple concept really. We have all heard someone talk about it, a cartoon poke fun at it, or have viewed a park sign exclaiming it. "DON'T FEED THE BEARS!" They are not cute and cuddly as Teddy has been depicted for years. They are actually creatures that are predators nearing the top of their food chain which kill, even people, when threatened or encountered in the wrong setting(s). The truth about feeding bears is that you are simply saying,"Hey, come here for food." The animals will repeat with reward. Pavlov had an entire scientific breakthrough with this.

So Joe, how do bears have anything to do with ME? Everything. We are creatures that take the least path of resistance. We will take the solution where we have to exert minimal effort for maximum reward if left to our sole unintelligible desires. We will call the person who gives us the answers. When is the last time you borrowed money from the same person... and then again... and so on. Going deeper: did you have something that was not "good" or "legal" but was satisfying and available?

Or perhaps the XYZ Store at the mall has a sale every week and they give you rewards when you visit them good for the following week. They do not even have to do that. The retailers have also been paying attention. Each week - like clockwork - they have a new ad. New specials. Come to the campground. But what happens when suddenly the food stops. The sale has loop holes. The money is not there. The "good" thing is not available. We change - often for the worse. (If you have ever worked in retail, you get it.) The things being offered are not there, yet we arrived. WE ARRIVED - now where is it? Give it to me! I paid for blank blank blank and expect blah blah blah.

We are all bears. Please stop feeding us.

I have another article along the same topic involving silent leadership which is very similar but deals with lack of action vs. rewards.

Monday, November 5, 2012

Cutting Costs - Electronics & Media Edition

There are several ways to cut costs in life. Not every cost cutting approach is best for you. Everyone has a different reason for the priorities they have chosen to uphold. For example, getting rid of a cell phone may be a great idea for me, but for you who travels 50% of the time it may not be a good choice. Below, I have outlined a handful of cost cutting ideas. Many are popular (sorry for the overkill) and others well - may not be of any interest or use to you. Happy savings!

Cable TV
With Cable TV rates so high consider cutting back on the costs. Several options do exist that will allow you to stay somewhat connected to the world.
  • Hulu & Netflix - Hulu is an online service that is free if you watch from your PC or $8 a month for streaming access. Hulu has many of the popular network shows available for streaming the day after it aired on television. This also makes it very useful if you would normally DVR (Tivo) anyway. Netflix is an online streaming movie company where many movies are available to watch. You can get a free trial to Netflix here or Hulu Plus here.
  • Other streaming options include Justin.TV, or if you search there are many free event specific streams (sports etc.)
  • Over the air signals have gotten an added emphasis with the conversion to digital from analog signal. The quality has also improved. You could look on CriagsList, your local retailer or eBay for the conversion box (if you have an older TV) or antenna to catch the waves.
Cellular Phone
Society has so much of a demand for communication now, that a cellular phone is labeled as a necessity in some "basic needs" lists. I would challenge that, but thought that I would show a few options. (Of course, the cheapest way is to go without.)
  • Safelink Wireless is an income based FREE cellular phone program which you would have to see if you qualify for.
  • TracFone is a cheap alternative to a monthly bill but you do not get a lot of minutes up front. However, the phones are cheap to purchase and it is very easy to get started.
  • Other Carriers - Most major carriers offer an option. You can go to the cellular phone section of your major retailer and see several available options (based on area/region).
Buy/Sell/Trade
There are a lot of items that I am not going to go into specifics on but wanted to share a good list of options where you can  save in general.
  • Thrift Stores - GoodWill, Salvation Army and other Thrifts are good options for many items you may be looking for. Many major retailers (including Target) donate unsold merchandise.
  • CraigsList is a good place to search for a particular item that you are looking for. You can also list items for sale, to trade, barter or "wanted."
  • FreeCycle.org is a good online group (hosted mostly by Yahoo! Groups) where you offer items via email group. You can Offer an item or post a Wanted to your local group. There are some restrictions but there are a lot of items that people donate to the group for free.
  • Facebook often has groups associated with this as well. 
Software
Several free options to major software are not available for little or nothing. Below I have a few items of choice that I use, or have used.
  • Linux is an operating system that is mostly free. Linux Mint, Ubuntu to name a couple are excellent options for the end user. With the GUI system (graphical user interface) almost anyone can use these two Linux based systems. The GUI that both of these use offer the basic Windows style look and left/right clicking like Windows. You no longer have to know command lines to operate the systems. Dell even offered Ubuntu as an option for consumers who purchased a particular brand of PC at one time. Do not worry - with the operating systems and available software you will have almost the same options (but different names) as you would with Windows. Most of those options also allow you to save in your familar formats such as *.xls, *.doc, *.mdb etc.
  • OpenOffice is a free office software package that is much like Windows Office. The same saving options are available as well as a unique set for the software if you wish. 
  • Other options include Google Docs which is the future of some software. The software is used in "the cloud" and operates pretty much like your current office software. Granted, there are exceptions but for most users this is an acceptable alternate. Not to mention that Google did what it does best - integrated it with each of its platforms. 
Computers
  • To find a good deal on a PC consider shopping at GoodWill, Craigslist or your local news paper. Be careful and test the units prior to purchase. I have found a good computer for basic use for around $20 - $50 dollars. FreeCycle.org has a PC available once in awhile.

Books and Media
  • The Library in your local area will have many of the most popular books, books on tape, videos (DVD's), magazines, as well as some eBooks for FREE.
  • Amazon.com offers free books for the kindle (.mobi) as well is the leading source for used cheap books if you need the traditional hardcover/softcover. 
  • The Gutenberg Project also has free books for download. Many of which are classics.
  • Pixels of Ink has free or cheap books for the kindle.
Other ideas (not categorized)
  • Rechargeable batteries are a good option for electronic devices especially if they consume a lot of energy. The up front costs are significantly higher but at $6+ a pack, you will break even in two to three uses. 
Granted that several of the options above fit into various categories. Bottom line is everyone should research every purchase prior to purchase. Do you need the new version or a new item? Could a "hand me down" work? Is there a business that specializes in the item that I want and maybe can get a deal on it? Cutting costs can be difficult but it does not have to be painful

God Bless - Joe








Thursday, November 1, 2012

Me time.

Growing up is a relative term. I think it has a paradox hidden deep within the word. Consider the young child who becomes the adult before they should. A movie that sticks with me, while watching my kids, best says it.

J.M. Barrie: [watching George react to the knowledge that his mother is seriously ill] Magnificent. The boy is gone. In the last 30 seconds... you became a grown-up.
~Finding Neverland courtesy of IMDB.com

One day we will wake and it will be lost. We will have to grow up to some point, but there is a nagging part that sticks. There is a piece of you that will demand a portion of day or time for yourself. It quite possibly may be the football game that is during your kids birthday party or maybe it is more complex than that. It could be the time you wish to "let it all hang out" when the children are in bed. There you could tuck the you away into a box and be care free, well unless the children wake... and the bubble bursts while you watch the me time flow down the drain.

I would propose that you find several outlets and do not rely on one for your self identify. Along with the normal nightly routine consider an adaption - a more flexible option. Maybe you could read a book, for example; flexible and adaptable to most situations.Write a blog that could be a continual work in progress or start a journal. Also, consider altering your time of day. Maybe an early rise works better than a up late.

It will not always work out in your favor. I am so sorry to admit that to you, nor will that feeling subside. However, it is all a matter of perspective my friends. Do not let your lack of personal time and exhaustion be shed upon the ones who are too young to realize. Do not make them grow up. Let the rightful child take their time getting there...

Saturday, October 27, 2012

Free things for you or your family

So being a parent of 5 small kids is an awesome thing but does come at a cost, unless you are wealthy or are apart of that select few where "everything" always works out perfect. Most of us have chosen to fill our homes with family and that will leave little left in the bank at several points.So today I thought that I would come up with a list of things that I have found, or use that are free. Some of the lists are just items that could be used by you, and are free, but not necessarily "for the family." If you have other suggestions please leave feedback and I will add your links on this entry!


 

Free Reading Material

 

Project Gutenberg.
Project Gutenberg offers over 40,000 free ebooks: choose among free epub books, free kindle books, download them or read them online. We carry high quality ebooks: All our ebooks were previously published by bona fide publishers. We digitized and diligently proofread them with the help of thousands of volunteers. http://www.gutenberg.org/


FreeBizMag
This website gives away free magazines for sumitting information about your current job in the form of a survey. I have personally received Forbes, Information Week, Time Magazine, The Wall Street Journal and more. http://www2.freebizmag.com/?ref=fbm

Lego Kids' Club
Lego also has a virtual world that a child can explore and sign up (with a parent's help) for an online magazine for free. http://club.lego.com/en-us/behindthebricks/default.aspx
 

Free Software

 

Download.com
Cnet's download website is a great site for just about any software that you could think of. Most companies or people that develop software list their trial versions or free versions on this site. AVG (virus scanner), TeamViewer (remote program), OpenOffice (free word, spreadsheet suit), and Gimp (free photo editor) are several good titles to start with. http://download.cnet.com/

If you are looking for games for kids then you should check out www.PBS.org, www.lego.com, or possibly another favorite kids' toys site.

Free Movies/Shows

 

Hulu.com
Hulu is an online site that houses streaming video for most major shows and/or networks. With an option paid service you could stream to your media box, entertainment device or HDTV. If you are like me - a quiet movie on the PC is sometime just as fine. http://www.hulu.com/

Crackle.com
Although Crackle is not as mainstream as Hulu, it does provide some unique entertainment. There are several shows on this service that you cannot find anywhere else. (Sometimes that is for a good reason). With that being said, Crackle also provides apps for your Android or iOS phone. http://www.crackle.com/


Suggested By Viewers

Nothing at the moment.

 

 Best wishes - Joe