Luxury Defined

Rereading The Shell Seekers by Rosamund Pilcher on a flight home from Nashua, NH to Florida, I found the perfect definition of luxury. On page 377 she says, "Luxury, I think, is the total fulfillment of all five senses at once."

For me, if I could be sailing on the intercoastal waterway eating a takeout meal from Present Moment Cafe in St. Augustine, listening to Mozart or Nina Simone or Michael Boublee, smelling the clean salty air, watching other boats drift by, sitting with my husband, holding hands and cuddling, that would be luxury defined.

The cost for this experience. Probably $16 for the food and perhaps up to $40 for the sail, a total of $56. Once or twice a season is enough for me. I can live off of the memories the rest of the time.

A less expensive version would be bringing the food I make at home on a picnic at the ocean, say at unpopulated Flagler Beach, sitting on our ergonomic chairs that we bring from home, for an early morning breakfast to watch the sunrise, with just a few other intrepid early birds that walk along the ocean's edge. Cost to me? Whatever the food cost, less than $10.

What is it for you? Please share.

The Decline of People: Spending is "It"

It has occurred to me that one reason people spend money, think about spending money and then reflect on spending money is because people have become less important.

What do I mean by this? If you spent most of your time helping people, interacting with people, praying for people, being with people, there would be less time for this money thing. Isn't that what people used to do way back, let's say in the mid 1950's?

Just speculating on how and why people think they must keep up the shop/spend cycle has me wondering what it would be like if we  made room for more interactions with people in our lives than we do now.

One more thing. Thinking used to be a valued activity. Now, the speed of electronic communication has given us a handicap. I think it's not possible to live, process our lives and have quality relationships with people because that all takes time. We want what we want with the click of a mouse or the touch of an icon. Our minds don't work that fast. 

This weekend, take a few hours to "think." I like to go into a "deep think" to process what I am doing, what I should be doing, what I should not do, what I like, what gets in my way, and my relationship with others. I'll be so busy that I won't shop. What about you?

Please send feedback.

Save Money When Traveling

Here's a tip from Anabel. When traveling, save money on meals by not eating in restaurants. Go to grocery stores with eat in facilities, like Whole Foods. Everyone can get what they want; compared to a restaurant, prices are lower and there is no tip to pay.

Or take a tip from frugal consultants who stay in hotels with the evening "Manager's Specials". If you eat whatever is put in front of you, you will be satisfied with the meals and the free drinks from 5-7 PM. That way you can eat and pocket the per diem.

If you are fussy about what you eat, go the the grocery store or get take out from local restaurants and eat in your hotel room, to at least save the tips.

Always eat the breakfast provided because even the fussiest eater can have fruit and oatmeal. Look for the whole grain muffins or bagels and take one with the small package of peanut butter, to have for lunch. You've now given yourself a raise. If the per diem is, say $75 per day, and you eat all your meals in food that is provided, you've just added to your take home pay, because per diems are not taxed.

Now this requires discipline, but take the per diem and stow it in a special savings account, along with any bonuses you receive and other unexpected income. Now you have savings that will build.

Extra money is extra money. If you put it in your regular checking or savings account, it will be swallowed up with the other money you have and you will feel like you can never get ahead.

On travel, if you can use the corporate credit card, you won't affect your cash flow, if your reimbursement doesn't come on time. If you can cover expenses before you receive your reimbursements, take advantage of your frequent flier credit card and earn points on everything you buy. Free trips for miles earned this way make great free vacations. 

If you think this money is peanuts, think again. Little money adds up to big money. Twenty per diems at the $75 rate equal $1500. If I were to give you a check for $1500 next year, would you take it? Of course you would. This savings tip just has you give the check to yourself. Say thank you all the way to the bank and start saving for bigger dreams.

She's Back!

Where has the Queen of Bargains(R) been? Working, saving, spending, advising, just the usual. I have other blogs and jillkampmelton.blogspot.com has taken most of my attention since I'm writing a book on communication while teaching.

But the times demand that I return to my post, warning you how to save money, sharing spending strategies that will work in the good times and the bad, and pointing the way to specific bargains when I find them.

Make this a regular spot and I won't disappoint.

Six ways to have more money in a month than you have today:

1. Make your meals at home. Once a week have a pot luck with friends rotating as hosts. You'll have the fun of eating out, but it might just be across the street with no bill and tip to pay.
2. Eat more vegetables, fruit, whole grains, nuts, seeds and drink water. It's less expensive than beef, chicken and fish and is much healthier.
3. Cluster your errands to save gas. Alternate driving with a friend to save more gas.
4. Clean clothes at home. Air them, brush them, launder them by hand and save on cleaning bills.
5. Put 10 % of every paycheck you earn into a savings account. Don't touch it.
6. Exercise every day, even if only for 10 minutes. You will begin to lose weight and your clothes will look better on you and you won't feel like you need to buy new clothes.

Three more ways to save money:

1. Stop smoking. You will not only save money; you will save your life.
2. Stop drinking. Juice veggies and make fruit smoothies. The flavors are exciting and cheaper then alcohol.
3. Start walking. Walk to errands, walk to friends, walk to work, walk at lunch, walk and use the stairs instead of taking elevators and escalators. You may be able to quit the gym. Your life will include more exercise as you move through your day.

This is the starter list. There will be more, much more.

Glad to be back.