The Only Personal Finance Blog You Need

Decluttering my bathroom a few days ago, I came across a tired looking little bottle of Burberry perfume. It was purchased roughly 4 years ago for me by my now husband. I don’t remember what the occasion was but it was some holiday. it may have been valentines day, my birthday, our anniversary or Christmas. Like most Americans we have traditionally bought each other and everyone else we know often extravagantly expensive and unnecessary presents for every occasion. That is but one leak in our huge explosive geyser of waste that has been our financial situation from the time we just met each other 7 years ago to just about 6 months ago when I discovered the Mr Money Mustache blog. since discovering that blog my life has changed so dramatically.

Not only am I more active, I’m way more practical, healthy and financially competent. I am actually way enthusiastic about making the changes I have, such as deciding to sell my car, buying a bike and bike trailer and getting really really really cheap cell phone plans. Also preparing all my meals at home from scratch and no longer buying unnecessary stuff has made my life not just more frugal but actually more enjoyable. I enjoy thinking up ways to save money and can’t wait to do even more in the future. I started this blog originally because I have so many ideas bouncing around in my head, but this concept of easy frugality has been a game changer.

I no longer care about what other people are doing with their money. Of course, deleting Facebook caused me to look more closely at my own life- my own priorities and values instead of everyone else’s. I have gone on a low-information diet, and I now see so much clearer than I did when my mind was cluttered with unnecessary information from magazines, commercials, advertisements and the regular onslaught of meaningless shit from random people, most I may barely know.

I admit, with each change I make it does feel as if I’m about to step off a cliff. In the end I usually decide to take the leap because I have assurance that there will be a wonderous net of a beautiful, simple naturalistic and free lifestyle that will catch me as I let go of all the trappings of my consumer driven life. The feeling is an intense and addicting combination of excitement and fear. the more stuff I get rid of the more stuff I want to get rid of.

A big part of me is still afraid that everyone who comes over to my house will judge me for not having all the makings expected of an average target-shopping suburban housewife home. I’m also afraid that my husband will start/continue to think I’m crazy and will be unhappy to leave his comfortable bubble of consumption. Even with all these looming possibilities, what I want is to be surrounded by the items that mean something to me. I want my dwelling to be filled with only the objects and tools that make me smile, that serve my life in a positive way and help me to become the person I believe I am meant to be.

Right now, for me, that means getting rid of my TV. Not just my TV, but also the Xbox and Netflix. I will still have my computers which I can use to get entertainment and information and watch DVDs (as I have a Mac from 2008 that still plays them.) I’m afraid that if I do this there will really be no turning back. I will no longer be able to lay back on the couch and flip on the screen and forget about my problems. I will no longer be able to keep up with all the new episodes and series that are coming out, leaving me with a little bit less to talk about with other everyday people.

The only downside is that the more I let go of the more I am becoming an outsider. I hope that one day I can find a community where I can truly learn and grow and not feel ashamed of the lifestyle I am choosing. Until then I will keep making small steps and jumping off the cliffs as they come up. Of course I will report what happens strait back to you. Thanks for coming along with me on this journey.

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Why I Broke Up With Wholefoods

You know when you were a little kid and you knew a field trip was coming up? And the night before the field trip you’d toss and turn with excitement? Well, I used to think of making the journey to the Wholefoods in Sacramento with the same feeling. I had just become vegan at the time (I was a teenager living at home in the suburbs), and Wholefoods was like the golden ticket to eating all the food I was used to eating in my sinfully omnivorous days. Tofutti Break! was a popular outcry in my house, and I had several brands of soy burgers always in rotation. There was also a point a few years later when I had just finished reading Alicia Silverstone’s The Kind Diet that I spent $500 on a whole slew of macrobiotic groceries that filled up my personal mini fridge and a dedicated pantry shelf at Wholefoods. The checker did not bat an eye.

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Now that I live an hour from the nearest Wholefoods, I’ve learned to completely live happily without it, and have grown to respect the many ways in which taking Wholefoods out of my grocery equation has saved me time, money, and a whole lot of empty calories from my diet. First I started with the organic options at my nearby HEB, which I’ve found you really can get by with most of the basics such as spinach apples, and all kinds of pantry staples. In the produce department I graduated to using Bountiful Baskets, a more direct supplier-to-customer type of group that has spread nearly everywhere.

They have the regular basket and also the organic basket, which is regrettably quite a bit smaller than the regular basket at while a full $10 more is tacked on to the price tag. Now I am so happy with a strait up CSA (community supported agriculture) program brought to me by Austin’s own Johnson’s Backyard Garden. Not only is the organic produce so much more fresher, it is very local and a farm that is actually a family business that cares about its customers. There is no huge line to wait in either! I just pick up my basket at my local organic restaurant So Natural.

I have been very excited in stocking up on most of my bulk dried items (such as beans and grains) at In.Gredients, the FABULOUS zero-waste market in Austin. But because of the distance I only go by when I have other activities that call me that direction. Otherwise, it’s the organic options for these one-ingredient packaged foods at HEB. I also use SAM’s Club for their surprising offerings like organic agave nectar, almond butter, bananas and Chia seeds.

Melluvia Babe enjoying organic whole rolled oats for brekkie

Nowadays, most of the food I eat is very simple, and made of extremely basic ingredients, such as oatmeal with raisins for breakfast, a simple salad with leftover veggie soup for lunch, and a flavorful asian stir fry with rice for dinner. As you stop buying packaged, frozen, canned and otherwise processed foods you really begin to stop craving them. As you only have the basic items in your arsenal, you are forced to get creative in the kitchen. I’ve started to love cooking again, and really knowing that the food I’m eating and feeding my family is not only completely healthy but didn’t cost me an arm and a leg.

I still have many friends that continue to shop at Wholefoods and love it. One friend on the Dr. McDougall diet fills her cart with frozen fruit. Another is an overweight vegan who stocks up on the wildest of novel concoctions of foodstuffs like lemon bar flavored sugar free raw paleo dessert morsels. While I do think Wholefoods can be an exciting place with a world of flavor possibilities, it is so easy to spend a WHOLE lot of money on (when it comes down to it) what is simply energy for your body.

I look forward to posting my next blog about other new changes going on in my life right now!

Finding Exponential Happiness in Empty Spaces

I’m finding that the more “stuff” I get rid of and the more “activities” I actually accomplish the happier I am, and the more I crave just going even further down the rabbit hole. If you haven’t yet read or heard of it, please do yourself a huge favor and check out the Mr. Money Mustache blog. It is an exceptionally written blog that is both smart and funny, both philosophical and practical. It has been one of the major inspirations for me to make such radical changes in my own life.

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My kitchen before it was filled up with appliances on the countertops!

I don’t even know where to begin with all the changes I have/am currently making. I have deactivated my facebook account. I am getting rid of my gas lawn mower and replacing it with an old fashioned manual push mower. I just bought a hybrid bike and am selling my big Japanese boat of a car (2011 Toyota Camry). I’m getting rid of most of my living room furniture soon. I keep making more and more trips to the local homeless shelter and Goodwill to drop off donations. I’m getting rid of all the appliances, spice racks, holders and other do-hickeys on my kitchen counters (besides my Vitamix which I’m stowing in one of the cabinets). I’m listing several items on eBay. In fact, I’ve already sold more than $500 worth of my old items that no longer served a purpose in my life. Happily, I’ve also been able to save up $2000. Some of my far-off goals are becoming financially independent and curing my rheumatoid arthritis, as well as becoming 85% self sustaining, and running a zero-waste household.

The main idea I’m contemplating right now is that living with the items and in the setting that makes you happy is more important than impressing everyone else, or even meeting their expectations at all. If you find something is no longer making you happy or is causing you stress, do your very best to change it so that it can make you happy. Sometimes what that amounts to is just knowing when to graciously let something go. The immediate reward to doing so is the wonderfully freeing area of space or time that is created when you let go of things, activities, and people that drag you down and steal your energy.

This is the snowball effect that happens- because as you have more energy and space you find that you have the confidence and motivation to let go of even more. You find things in your life that you can tweak or replace so that it most perfectly fits your own needs. One of the hardest things for me to do has been to get rid of gifts that people have given me. Even if it is an ugly outdated article of clothing that never fit right, it’s still hard to say goodbye to the little part of it that reminds you of the person. The best technique I’ve used that helps me do this is to just remember that the item itself was not the gift. In fact, the real gift was that special person selecting that item and presenting it to you, with the intention of showing you they cared. That should be the special memory, and that actually has little to do with the specific memento that they chose.

My foot is so swollen from the RA right now that sometimes it is painful to walk. People keep telling me I should get on disability but in all honesty I feel more excited than ever to get things done for myself. I know I can heal my disease, though I’m not sure how long it will take. I know I’ll keep trying to do it by creating a stress-free (or stress-minimized) environment for my mind and body to exist in. Even if I don’t heal my RA, I am happy to take this journey and am looking forward to seeing the results that come about.