There's Always More Than One Solution To Any Problem

My hubby and I were on the road the other day when we saw the scene in the picture playing out. Talk about re-defining the meaning of the words "Tractor Trailer"!

There's always more than one solution to any problem. We need to remember that. These farmers, for example, needed to move the trailer - a job that is by no means inexpensive when you do it through 'traditional' methods - hiring a big rig moving company. But they used the resources they had on hand, some teamwork, and accomplished their mission.

One way we can start reclaiming our economic power is to start practicing solving problems for ourselves. Rather than default to calling in the pros, do you have the skills, ability, creativity, or resources to fix the problem yourself?

You might not need to move a house trailer - but you might need to fix the dripping kitchen faucet or do some other home repair. Taking on these tasks, you may find yourself surprised with what you can actually do for yourself! Get in the habit of appointing yourself your first go-to repair company. After a year, you'll be amazed at what you've done, and how much money you've saved.

Points of Post-Consumerist Philosophy

Buy less, do more. We are impoverishing ourselves, individually and as a nation, buying things we don't need and don't actually want. If you have closets, garages, and storage lockers full of stuff you're not using, you don't need any more stuff!

Educate yourself continually. Ignorance makes you vulnerable. It is easy for people to take advantage of you, rip you off, and abuse your rights when you're not informed. Choosing to be ignorant means saying "Here, other people in the world! Why don't you run my life for me?"

Depend as little as possible on others. No man is an island, and it's impossible to do everything in this world entirely on your own. However, you should be very mindful of what you're choosing to have other people do for you. You may be better off doing it for yourself.

Make purchases mindfully. An aware consumer makes better choices than a consumer who is functioning on auto-pilot. Think about what you buy, where you're buying it, and why you're buying it. Make sure your purchases are in alignment with your belief systems. Think about what things cost to produce and market: if you're paying an exceptionally low price for something, you can be sure that someone else is paying dearly, generally in terms of their labor/quality of life.

Make creativity central to your life. We were given imaginations for a reason. Creativity is as vital to our well being as physical exercise. It doesn't matter if you never 'learned' how to be creative: something as a simple doodle can be the gateway to an innovative solution to a tough problem. Humanity survived & thrives because it is innovative and has the ability to transcend history, seeing beyond what has always been done. This power is inside each of us: don't think it belongs to ivory-tower academics and government think tanks. But you have to use it, or you will lose it.

Every Purchase Is Political

There is some argument about the exact numbers. Some economists say that consumer spending is responsible for 70% of the US economy; others put the numbers closer to slightly more than half. Either way, one inarguable fact remains: it is our purchases, mine and yours, from the morning cup of coffee to buying a new vehicle or even a house, that drives this country.

We're paying for all of it, directly through taxes and indirectly through participation in the marketplace. We pay for the roads; we pay for the schools; we pay to shore up all kinds of industries, from agriculture to energy to transportation. We pay for the military. We pay for what the military does.

We pay for what the military does in so many ways. We can't have this conversation without stopping to consider, to pause and actually imagine what it would be like to be one of the so many young wounded veterans, men and women who in many cases aren't even 40!, who have lost their arms or legs or eyesight or mobility or ability to think clearly or enjoy peace of mind. Who then come back to medical care and financial support that is without a doubt less than they deserve. We're told that there's no money to provide better.

But there is money, apparently, to start another expensive conflict in Syria. I stand here before you and tell you that I have no idea whether that would be money well spent or not. I see the videos of people suffering from gas attacks, and it seems to me impossible that we stand by and do nothing while these atrocities go on. At the same time, it seems as if the whole world (including people inside of Syria) thinks that the US military taking action would only make things worse for everyone.

It's too bad we don't have the equivalent of Special Forces in diplomacy - elite negotiators who could strategically and tactically create peace with the speed and enthusiasm with which we wage war.  With all the money we're spending in this country, why aren't we funding efforts to create peace?  To train people to understand and resolve conflicts, to help create a world without want and suffering?

But I digress. There's no sense in talking about what we could be doing with our collective money. We need to focus our attention on what is being done with our collective money right now. And we need to decide whether or not we're comfortable continuing to contribute to those decisions with our financial support.

You have to pay your taxes. There's no way around that legal and I believe moral obligation. However, we can and should be talking with our representatives about those taxes regularly. I think we've completely lost sight of exactly what we're paying for. I know I have. Informing yourself about what is being done with your money seems like a sensible idea.

The other side of the equation is consumer spending. Our country started with a demonstration of personal economic power creating political change. Today, boycotts are a tool used with some degree of success by both the Right and the Left.

I think it's time to remember that every purchase we make is political. Every dollar we spend contributes to the government and the actions it is taking. If you like what the government is doing, you should spend enthusiastically. If you don't like what the government is doing, maybe you don't want to buy as much stuff.

It's your decision. Just be aware that you're making it.

10 Questions To Ask Yourself Before You Buy Anything

An important step on the route to a more self-sufficient lifestyle is taking back your economic power. As a culture, we indulge in a lot of thoughtless buying. We purchase on auto-pilot, using the retail environment as a way to meet our emotional and spiritual needs. That's not always a bad thing - but we need to be aware of when it's happening. That way we can be more conscious of our economic power, and make choices that enrich our own families rather than keep them on the brink of perpetual bankruptcy.

Here are 10 questions to ask yourself before you make a purchase - any purchase, large or small! Get in the habit of asking yourself these questions, and you'll find you buy less and enjoy what you have more.  You'll also save money, which is always nice.

Before you buy anything, ask yourself:

1. Do I need this?  Not all of our purchases have to be needs, but it's important to recognize which ones are, and which ones aren't.

2. Do I need to own this? Can I derive the same benefits I expect to get from buying this item through any other method - can I borrow the book, watch the movie online, use the slide at the public playground? Sometimes you can derive the benefits desired without the cost of ownership.

3. Do I need to get this brand new? Our country has an extensive secondary marketplace. What would happen if you got the item you wanted at a yard sale, via eBay, at a consignment shop or a flea market?

4. Do I want to take care of this item? Clothes need washing. Some clothes need ironing. Some clothes have to be dry cleaned. Every tangible thing needs some level of physical care. Are you willing and able to commit to providing that care?

5. Is there something else I want more than the item I'm thinking about buying right now? Once my daughter stopped spending her chore money on candy bars, she found it much easier to save up for the toy she wanted. This lesson doesn't stop being true just because we grow up!

6. Do I need to buy this right now? Sometimes I'm convinced I really need or fervently want an item, and am forced by financial circumstances to put off the purchase. Then when I'm in a position to buy the item, I've found the driving need or want has been fulfilled in some other way. You don't have to buy something just because you were planning to - you are allowed to change your mind!

7. Do I want this? There are all things we want, and that's okay. The world is full of amazing stuff. Before you make a purchase, make sure that you're getting the amazing stuff you want. Don't settle for weak substitutions. If you're buying to satisfy a want, get what truly makes you happy. This might mean saving up for a while, but you'll find the process goes faster if you're not spending money on things that in the long run  you didn't want and don't make you happy.

8. What level of quality to I need to meet my need/want? We tend to buy as if "Only the best will do!" But we don't all need only the best, all of the time. If you're a hardcore handywoman who's actively in the process of remodeling your home, it's a smart decision to get a contractor grade screwgun. If your home improvement efforts are more in the line of hanging a picture once every year or so, it's a smart decision to get a screwdriver from the dollar store.

9. Who are the people influencing my purchasing decision? None of us live in isolation. Our purchasing decisions are influenced by the people we interact with. When I go to the grocery store, I get food my family likes. When I buy clothes to wear to work, I choose what would be appropriate for the workplace environment. Think about the times you've made choices based on what your romantic partner, neighbors, family, colleagues, or friends think. This isn't necessarily a bad thing, but you need to be aware of who you're letting influence your purchasing decisions. You get to choose how responsive you are to those influences.

10. Can I make what I'm thinking about buying? Once upon a time, I wanted a Boston Creme Pie for my family. But we were tight on funds, and the bakery wanted $15 for that cake. A DIY version cost $6.50 for ingredients and my time. Once upon a time, people made all sorts of things for themselves - and today, more people than you might suspect still do. The Maker, Crafting, and DIY communities are very inspiring and good places to learn how to do almost anything. You might be amazed at the impact in your life if you choose to make just one thing you want or need. It's an addictive sensation, and will totally transform your relationship with retail.

How Much Does It Cost To Raise a Child? We Need To Look at These Numbers

A little over a week ago, CBS reported that it costs $241,080 to raise a child from birth to adulthood. I've spent a lot of time looking at that number, because I have 2 children, and we're roughly halfway through their rearing and there's NO WAY I've spent $241,080 on them so far, for the simple fact that I haven't made that much money.

There's a breakdown of how the USDA says we're allocating this $241,080, with a chart comparing how the same information in 1960.

I find it amazing that housing costs have only gone up 1% while the size and cost of houses has gone up exponentially. In the 1960's, a new house, on average, cost around $12,700. Today, that number is closer to $250,000.

To afford these more expensive houses, both parents are working outside the home, more often than not. We've seen the childcare expense go from 2% to 18%: in the CBS story, we see a young man who's wife makes six figures staying home to provide childcare because they can't afford it.

I'm puzzled by some of these other numbers. Why has there been a 10% increase in the cost of food; 5% in clothing, 4% in health care? Part of this may be attributable to having both parents work outside the home;  in homes where one or more parents are in the home more regularly, these costs are consistently lower.

When someone in the home cooks dinner, you don't go out to a restaurant. Yet it is commonly reported that the typical American family eats out 4-5 times a week; the US Bureau of Labor Statistics said the average American family spent $2,505 in restaurants in 2010.

And as for that growth in the miscellaneous category? In the 1960's, kids didn't have cell phones, lap tops, tablets or video games. While tech is ubiquitous among all generations, it's important to recognize that this is an expense parents didn't have 40 years ago. Today, video gaming is a $66 billion dollar industry - and most gamers start playing while they are still children.

Raising Kids When You Don't Have $241,080

Childcare, food, clothing, and health care are all controllable expenses. As parents, we can make lifestyle choices that bring these numbers dramatically down - but we have to be willing to go against what society tells us we should do, and instead do what actually makes sense for our families and our finances.

To the people who say this is impossible, I'd like to remind you that nearly half the world's population - 2.8 billion people - survive on less than $2 a day. Nothing is impossible! Although certainly we are aiming for a better standard of living than that.

I'm not advocating for a life of self-denial and no pleasures. However, anecdotal observation has shown me that the people who are spending the most on their children are not actually the happiest, nor do their children overwhelmingly appear to be more successful in the long run.

We need to be aware that numbers and reports like this serve a cultural purpose. By purporting to describe what's typical, what's average, what 'everyone else' is doing, these reports contribute to a "Keep Up With the Jonses" pressure that is killing us.  Couple that with advertising that continually tells us we're too busy to cook, that there are all these fun, brilliant restaurants, that your kids need the hot new looks for school (and a cart full of supplies for one kid, thank you, Target!), and my personally favorite, that we've got all kinds of illnesses we need to talk to our doctor about, and you get a lot of bad economic decision making as a result.

A Consumption Based Economy

Consumer spending - money that people like you and me spend in retail shops, restaurants, car dealerships, and more - accounts for 71% of the economy. But in return, what do we get? Schools that are underfunded, infrastructure that is falling down all over the place, foreign policy most people don't even know about much less agree with, and a government that spies on us.

This is not a good deal.

It shouldn't cost $241,080 dollar to raise a child. And if it did, I'd expect that child to be exceptionally well educated, extremely healthy, and prepared to change the world when they reached maturity. That's not what we're getting, even if it is what we're spending. Changes to the system are essential, and maybe it begins by buying less stuff for our children and spending more time with our children.

What Do You Think?

I'd love to hear what you think about the report that it costs $241,080 to raise a child. Do these numbers sound realistic, given your own experiences? What do you do to provide your kids with a high quality of life on a limited budget?

These are the discussions we need to be having. I'd love to see the USDA reporting in 5 years that people have brought their spending down and raised their quality of life. I think we can make it happen. But it has to start with someone saying, "No, those numbers are ridiculous, and here's why..."
When people hear that there's another way and that they can make better decisions, they can opt out of the consumer based lifestyle and enjoy their lives more. Even a small change has a positive impact, and we all have to start somewhere!