Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Saturday, December 1, 2012

Minimalism In The Big City


Voluntary simplicity and minimal living have great cachet in today’s fragile economic times.  Frugal living is nothing new, and simple living has bee the mainstay of many environmentally aware people for decades.  However, the concept has not gained widespread acceptance for a variety of reasons, not the least of which is the tendency to look to rural living or escaping from the “big city”  standards of living as the primary technique for achieving a simple lifestyle.  Yet, living minimally actually is easier to undertake in urban centres, even though the social pressures to conform to more materialistic lifestyles are significant.
Living with less is the primary focus of this lifestyle, but, in truth, the most gratifying aspect of cutting back on frills is the ability to focus on the most important aspects of our lives.  That is unique to each of us, yet proponents of the way of living too often urge us to adopt their own perspectives and interpretations of simple living.   It is far from an accurate or satisfying approach.
My wife and I opted to live in a yurt, off the grid, for several years.  However, I would never advocate that everyone else who wants to embrace voluntary simplicity move to a rural environment, live off the grid or build their own yurt.  It was our personal preference.
Other acquaintances have employed a more basic approach to living in the city, without any difficulty and with a lot of enjoyment.
In the city, one has greater access to options than in the country, and greater opportunities to employ alternative strategies to reduce ownership while increasing enjoyment of assets and activities.
One of the greatest materialistic and economic burdens is the automobile.  Yet, any owner will tell you that the car is essential to daily life.  There are several options, however, to reduce reliance on personal ownership of a vehicle in the city.  While public transportation is the most frequently cited substitute, other alternatives include “car sharing” (where owners either opt for specific times of the day or days of the week to use a shared vehicle),  commuter vehicles (mopeds, etc), bicycles, weekend vehicle rentals (or on-demand rentals) and seasonal leasing.
Of course, to reduce the need for a vehicle, simply either move closer to work or search for a job closer to home!
In the 1970s, many young people (most often, young men) cut housing costs by sharing a house.  The modern-day extension of this concept is for homeowners who wish to cut housing costs to lease out rooms or share the house with other renters.
In the vein of shared housing, consider sharing other entertainment assets.  On average, a video or DVD is viewed fewer than three times, yet millions of us buy and store vast collections of movies.  Similarly, print books gather dust on the shelves after one or two readings.  Why not develop an exchange program with friends, passing these movies, CDs and books or magazines among the members of the group.  Lower cost, greater reach of each piece of entertainment!  Even many e-books can be shared or “loaned” on Amazon and other e-book vendors.  Hundreds of thousands of free songs and books are available, legally.
Inexpensive entertainment can become free entertainment, if you opt for “open house” days at local zoos, art galleries, museums and even local high school drama productions.  In summer, most cities offer myriad free entertainment, including bands, dance groups and theatre.
Many places offer discounts for groups of six or more people.  Inquire as to whether the entertainment venue that you wish to visit will provide a bulk rate, and then arrange for a group outing.
Weekly visits to restaurants form the backbone of the food service industry.  However, home-based parties provide a much more relaxed atmosphere.  Consider arranging for a regular rotation of hosted dinner parties (e.g. each member of a group of eight hosts once every two months).   
There are hundreds of ways to minimize costs while simplifying your life in the big city.  Most rely on the principle of owning less, or getting more mileage out of each possession.  Be creative, and the need to own will become less of an addiction, or even a craving.  At the same time, you will find that your budget dollars last much longer!

Thursday, June 16, 2011

Living With Less Does Not Always Mean Doing It Yourself

One of the problems inherent in “going minimal” is the tendency to radicalize. That is, some of us assume that minimalism requires that we not only do without every luxury and most essentials, but that we involve others at a minimal level in every purchase. We often suppose that doing with less means doing it yourself.
Need an oil change? It must be a minimalistic approach to do it yourself. Want a special meal, such as a lasagne? One has to obtain the ingredients and make it oneself. Of course, a true minimalist must do her own vehicle repairs, make his own clothes, grow every food item and complete every repair or household renovation alone.
These are just a few of the myths of minimal living.
Let us take a quick look, for example, at that lasagne dinner. Typically, a 2-pound store-bought, ready-made lasagne will cost you $5.99 to $9.99. Your total cost, including cooking in the oven for 45 to 60 minutes, will be $6.11 to $10.11, or $3.05 to $5.06 per pound. However, calculate the individual costs of buying the ingredients. Cheese, lean ground beef, spinach, spices and noodles will end up costing you at least $6.80 per pound if you buy the size required to make a 2-pound lasagne. Cooking will take two hours, for an additional cost of $0.22, while cleanup of the baking pan and utensils will add another $0.30-.40 to the total. This doesn’t factor in the cost of the pan & utensils, or place a value on the two hours that it may take to make the meal. Total savings, per pound, of buying the ready-made meal will be up to $4.37! Hardly worth the effort, is it, unless you prefer the quality and uniqueness of a homemade meal?
How about that oil change? With a litre of oil costing, on average, $4.19 and a filter $6-12, a four-litre oil change will cost $23.76, versus the $29.95 for a shop to do it. Yet, you don’t have to worry about the cleanup and environmental impact, or the cost of oil drain pans, jack stands, etc. It’s almost a fair trade to farm out the task.
Don’t even consider doing your own repairs on a new car. Just the OBII-compliant computer tester will set you back $100 or more, and you haven’t begun to figure out how to do the repairs, with the few outdated tools that you own. Each new car demands its own specialty tools to conduct repairs. However, buying the new car is more environmentally friendly, and generally more cost-efficient than maintaining the old one.
A true minimalist may want to mend his own clothes, make his own curtains, upholster his own furniture. Aside from the grotesquely ugly results that are likely, this option, too, is impractical, even for a minimalist. However, if you find someone who is handy with a sewing machine or needle and thread, and you have the cash, consider providing the material, while your partner provides the handiwork and skill necessary to make clothes, drapes or couch covers.
Similarly, home renovation skills are seldom within the reach of the typical homeowner. You may be great at rough carpentry, but lousy at finishing work. You may know the basics of plumbing, and fail miserably at electrical repair. Here is where a collage of colleagues, with compatible and exchangeable skills provides a real advantage. You may undertake the framing (or supervision) of a garage for a neighbour, while another provides skills at concrete work and a third can wire the building. When you need your recreation room renovated, those same people can pool their skills to assist you, and so on.
Have a large back yard? Grow your vegetables, and a few for your neighbours, in exchange for a few trinkets that you require from them.
The last three examples are perfect illustrations of the benefit of bartering for the frugal individual, or those who favour the minimal living approach. Bartering, or swapping services and goods not only lessens demand for duplicate items or redundant services, but reduces the cost to each individual in the barter group. Barter groups may be loosely arranged, or established as a cooperative, with specific assigned values for work and goods that are exchanged, with a “banking” option that allows a member to provide his goods into the pool, and obtain the benefit that he wants or needs at a later time.
Minimalism is not about doing it yourself. It is about seeking the path that is least intrusive, with the greatest benefit, to obtain those needed items, while recognizing that “need” and “want” are not synonymous, and that using less is a pathway to getting more out of your life, each day.