How to Make Decisions (Uncomplicated)

When I describe the KonMari method to people it is so simple it seems stupid at first. “Make a pile of like-objects, hold each one in your hands and as yourself, ‘does this bring me joy?’ Discard the nos and keep the yesses.”

This is as basic as addition (subtraction?) and is a method that has proven effective for both me and millions of others around the world.

I would never attempt to say that I have an idea as amazing as the KonMari method, but I can’t help but wonder, “what if there were a similar method, not for objects, but for making decisions on how we spend our time?”

 

With that thought, I created this diagram a long time ago, when I was at the height of my Mustachian fandom. I wanted to illustrate the idea that making educated, controlled decisions, no matter how minor they may seem, add up to a more meaningful life over time. A great example of what a best choice might be is probably the most Mustachian activity imaginable: riding a bike. It saves you money by not using gas or increasing the wear and tear on your car (Increases Wealth) it gives you an opportunity to exercise (increases endorphins=Increases Happiness) (increases heart health and muscle tone= Increases Health). Some examples, such as riding a bike, are universally obvious. Others are more personal and depend greatly upon your specific situation, personal values and circumstances.How to Make DecisionsStarting a side business, for instance, could easily end up costing you money if you’re not careful. On the other hand, if your business requires little in the way of overhead and is flexible enough for you to keep your job, it would end up satisfying the goals of increasing health, wealth and happiness- making it a best choice for you. Off the top of my head the idea of walking dogs could be perfect for someone who loves dogs. You would get outside, get exercise, spend time with fluffy animals who are always happy to see you, and increase your wealth by making some extra money. Even if your side business does not satisfy all of these requirements, it is still worthwhile even if there’s only a chance it could meet all the requirements in the future.

Selling jewelry, for instance, may not increase your health and it may cost you a lot to buy supplies, meaning you’d just break even. If the happiness it brings you is worth it however, it might be something to stick with because it is quite possible in the future to have enough business to increase your wealth through it. Overall, I’d say even if your choice only includes two out of three criteria, it is worth pursuing if it’s not possible or practical to make a choice that includes all three.

If the choice meets one requirement, it’s a “good choice.” If it meets 2, it’s a “better choice,” and if it meets three, that it’s the “best choice.”

Though it may seem obvious at this point, if a prospective choice doesn’t enhance your health, wealth or happiness it should no longer be something for we should consider at all. Like the possessions you need to ‘let go’ when you’re tidying, there are choices in life that we have to decide for ourselves to walk away from. Leaving a time commitment, hobby, job or relationship can be a painful decision- especially if we have invested a great deal of time, money and energy on the endeavor. If the choice affects someone else, it can be downright scary to even consider abandoning the commitment. As a motivating thought there is a fundamental defect in staying in these scenarios that are solely for the benefit of other people.

The problem is that all the little choices we make for other people will slowly accumulate into a life that doesn’t advance us to our true destiny.

On the flip side, the more we examine each choice we make in the present moment and evaluate its potential to propel us forward, the closer we come to living to our true potential. No one else can decide for us what it means to be healthy, wealthy, and happy- although there is a great deal of research that points to what can statistically contribute to a higher quality of life for most people. If you’d like to learn more about this topic, I’d highly recommend the documentary “Happy” on Netflix instant. It is a captivating film that I am positive will be worth your time.

To give a quick recap in case I lost you:

We make choices at almost every minute of every day.

The choices we make affect our mood, our health, and our financial freedom (or bondage).

When we make choices that increase our health, wealth, and happiness we generally become better people over time.

We can think of it like a software program that mandatorily updates to the newest version every day. Do you want your newest version to work well, to be fluid and run at optimal performance or do you want your newest version to run slow, have kinks and crash all the time? Of course you want it to be better than before! This philosophy and diagram is simply an external cue for being present in every moment; having awareness of our own free will and life force.

Simply trying to feel happy in the moment actually can backfire, but as this wonderful article points out, we can make an effort to plan our time out in a way that incorporates our most rewarding activities.

I’m currently choosing to use mine to spend time with my family and close friends, to make art and music, to learn web development, garden, eat well and move closer to a more minimal, intentional and eco-friendly environment in my home.

How will you use yours?

 

 

Jumping Ship or Changing Course? On switching careers

The way that things usually happen for me is shakily, in a very slow waxing and waning cycle that takes place over many months and weeks. It starts with the tiniest of inklings, caused by reading something in a blog post or seeing something in a movie and quietly observing, “maybe that could be for me.”

There’s always those intense jolts in life that make you snap to reality, such as when I had one of my daycare kids run out the front door, leaving me waiting at the door with all the other children in my charge. That definitely was one of the single most stressful moments in my life. It was after that incident that I questioned what I was doing and where I was going, and if it was truly worth it. As a parent, I could understand the high demands when it comes to caring for your children. I completely sympathize with the desire to have the best quality of care possible but not being able to afford the cost. On the other hand, as the care provider, I could most definitely get the reason why child care has a huge turnover rate. The stakes are high, the pay is very low.

With my Rheumatoid arthritis, it seemed that I could not be as hands-on with the children as I needed to be. It hurt to pick up the little ones to change their diapers, I couldn’t run over to stop a fight or, as in the aforementioned scenario, keep a kid from running away. I’ve had multiple parents get upset with me for their kid getting hurt on my watch, and even with an able body, with many children sometimes there’s nothing you can do in the moment. Having worked at child care centers before, I witnessed how the director had to constantly be in the role of substitute teacher when the other subs were not able to come in. I saw how she stayed at the center from 6:30 AM to PM, even 6 days a week at times. I saw her having to deal with kids that had zero respect for authority, with parents that tried to pick their kids up drunk, with staff members that gossiped endlessly about their fellow teachers, their students and their students’ parents.

What took me so long to decide officially to change careers was the fact that I dedicated so much time and education into that career. I read so many books and blogs and watched videos, attended conferences and developed business plans. Everything I did was to one day open up my own child development center. How could I just throw it all away? A lot of personal finance bloggers will have you believe otherwise, but a huge part of saving money can come from simply making more of it. That is something that would be tough to do in the field of child development. There was a big part of me, and still there is today, that does want to open up a center one day, but I’d rather it be when I wasn’t strapped for cash, I’d rather it be when I can afford to pay someone else to be the director and buy all the amenities of a Waldorf school. It would be a wonderful retirement project that I would be so proud to finally accomplish.

When I told my sister I was considering changing careers to web development, she mentioned that she had a friend who owned her own web development business and that she was very happy and successful. I got the nerve up to ask if I could talk to her sometime. At first she was hard to get a hold of, but with some persistence I finally got to speak with her on the phone. She was completely nice, enthusiastic about her profession as CEO of an online marketing company, and patiently answered all my questions and spelled out any definitions of terms she used that I was unfamiliar with.

When she described how she could pick up and go practically anywhere whenever she wanted as long as she brought her laptop along I was sold. I was also pleasantly surprised when she made the suggestion that I could teach myself with all the free resources online these days. She invited me to let her know how I was doing as I progressed in my knowledge and that her company may even be able to give me some work in the future once my skills were up to par. Looking up BLS statistics online about the web development field was greatly reassuring as well, with excellent projected job growth and great pay as the standard of the field.

Changing Careers

About three weeks ago, I finally officially decided silently to myself that I was going to do it wholeheartedly, to dedicate myself to learning web development in order to be at the level where I could freelance or get an entry level junior developer job. Since then, I’ve been working around an hour a day on practicing basic skills such as html and css and trying my hand at building my own website. I’ve also been researching local web development groups in the Austin area and online so that I can connect with others in the same field. I still feel scared sometimes to have left my old career, but I feel like this one has greater potential to make me happy and allow me to follow my goals and values in life.

Though it may seem as scary as jumping ship, it becomes easier to re-frame it in your mind as just charting a new course. We can’t always predict what will really be satisfying or turn out to be exactly what we estimated, whether that is our career, our location, our companions or anything else really. It is a virtue to be faithful and diligent, but the way I see it, your career is not necessarily going to be faithful and diligent to you (though you may find a company with absolutely amazing employers that do hold these values, I haven’t personally come across this in this day and age).

Because of this it’s much better to change courses if you’ve carefully considered it, taking into account many factors such as location, job satisfaction, potential for upward mobility, financial reward, family circumstances, time commitment, education expense in both time and money. If you’re seriously considering a career change don’t be afraid to reach out to friends and family or even members of your local community to see if they might know someone you could talk to. Not only will you get valuable information about the real state of affairs in that position or career field, you will also gain a valuable contact that you can reach out to in the future once you’re job ready, or even if you just have a simple question. Ultimately if you’re feeling that you’re not as happy as you could be, it’s up to you to change your situation.

I changed course and I’m so happy that I did.

 

 

Earn Huge Savings with Tiny Changes

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There are endless amounts of small changes we can all make to lighten our environmental footprint, which you can learn a comprehensive amount of information about from Zero Waste Home, (Read the book for a definitive guide), this blog specifically focuses on those little habits that keep money in our bank account (which most often does add up to a savings in consumer waste as well). It’s a hassle sometimes to acquire the right tools to keep more money in our pocket. For some examples, it can be a pain to walk outside in the cold to compost a bowl of table scraps. It can be painful to turn down a trip to the ice cream shop. It can seem damn right counter-intuitive to sell something new for the exact same thing in an older model. But all these things are examples of small changes I’ve made, some of them were one time changes while others are daily changes.

Deciding Which Changes Will Be Worth it

A big part of the name of this blog, “The Scratch Paper Saver” comes from the idea of using scratch paper to casually predict outcomes depending on certain variables into the future. For someone who struggled with math my whole life (I swear to god it was a miracle that I passed each math class I took from Sophomore year of high school up until university), this is very doable as long as you take the few minutes to look up the variables to make sure they’re accurate.

one will save $0.61 per coffee by using reusable filters in the Keurig

Oftentimes a quick google search can come up with articles in which others have already done the calculations for you, such as in this case where I quickly googled k-cup vs reusable filter cost comparison and found this awesomely detailed and compelling article  by the personal finance blogger, Squawkfox toward the top of the simple google search pile. So by this article’s rather diligent explanation, one will save $0.61 per coffee by using reusable filters in the Keurig rather than the severely trashy and expensive K-Cups that are relentlessly marketed for use by Keurig owners. So with simple back of the napkin math, if you drink 2 cups of coffee a day (a rather modest estimation by stay at home mom and dad standards), that’s a savings of about $37 a month. And to magnify the savings, just multiply that amount by 12 to find out the savings in a year (Around $450)! With every change, you also have to evaluate the time/effort factor that goes into each change. This is a personal decision that depends on the amount of spare time you have and how flexible you can be with external expectations (not going out to lunch with your co-workers for instance).

Using a Compounding Interest Calculator to Estimate Long-Term Savings

To make things even more mouth wateringly juicy, use a compounding interest calculator to play with the savings amount when that yearly savings is invested in an index fund with a 7% average return. This is where you put the pedal to the metal when it comes to the phrase, “A penny saved is a penny earned” my friends, as we are now very  quickly and easily going from 61 cents to thousands of dollars. Now when you throw away one of those flimsy K-cups you can simultaneously imagine reaching into your wallet, pulling out several dollar bills, and tossing those in the trash too. That thought right there should be enough to get us to take the 30 seconds needed to compost those coffee grinds and rinse out our own filter in the sink with a smile!

Small Changes Worth the Effort

    • Go to the library over purchasing new books. If you do purchase new, resell them on eBay.

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    • Sell your unused stuff on Craigslist. Learn from my mistakes here

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    • Make as much home made meals as you can from scratch.
    • Prepare a to-go breakfast the night before such as soaked steel cut oats or chia seed yogurt
    • Take a sack lunch to work
    • Freeze prepared meals for the work week on Sundays
    • Use the crock pot to make dinner while you’re at out
    • Stick to the memorable slogan, “Something to Wear, Something they Need, Something they Want, Something to Read” for your child’s holiday gifts
    • Simplify or opt out of traditional family/friend gifting

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    • Discover even more money saving (small) change that are worth the effort in this post.

 

What other money-saving changes have you made? Please share in the comments!