2019 Goal Check-In (Part 2 – The One About Money)

Money…that thing that so many of us obsess about. How best to earn it? How best to save it? How best to spend it? I know these questions are important, yet for more than a little while now, I’ve felt their importance was far too exaggerated…especially in my own life. So, at the beginning of the year, I set out to redefine my relationship with money and figure out where it fit into a simple, minimalist lifestyle.

As with any project I take on, I like to start with a bit of research. In this case, I read several books on money – but probably not the types of books you’re thinking right now. I read:

  • Nomadland: Surviving America in the Twenty-First Century by Jessica Bruder
  • $2.00 a Day: Living on Almost Nothing in America by Kathryn Edin
  • Hand to Mouth: Living in Bootstrap America by Linda Tirado
  • Flat Broke with Two Goats: A Memoir by Jennifer McGaha

Going into this project, I thought my biggest problem with money was my tendency to romanticize the concept of living without it. What can I say? The idea of a moneyless society has always appealed to me. My best friend growing up was born in a hippie commune and, while she hated it, I absolutely reveled in the stories she told me. It seemed that everyone took care of everyone else and the need for money was so minimal, she never even mentioned it. Of course, she may not have mentioned it because we were 10 years old and at that age, money wasn’t all that. Like I said, I may have glamorized the ideal just a bit. 

Like every other version of Utopia, a moneyless life is not very realistic. The Daniel Suelos of the world are extremely rare. Most folks living without money are not doing it on purpose and their life is far from sublime. Which is why I thought perhaps reading a few books about real people living in real poverty might give me some much-needed perspective. And did it ever! 

    First and foremost, let me say – I never want to own a goat. Seriously. They make great cheese, but they are nasty creatures. I also never want to work at Amazon in my 60s, permanently reside in a RV park, sell scrap metal for groceries, or donate plasma to pay the rent. You may think I’m being funny but I’m really not. Reading these books showed me (rather quickly, I might add) that I would never survive the realities of an actual moneyless life.

    Reading about extreme poverty reiterated for me the fact that I am privileged. Even in my leanest times, I had options – too many sometimes. For a lot of people, there are no options. My disdain for money is something I can afford to have. The ability to choose to live with less is just that – a choice, that I get to make because I am privileged. I know these things but sometimes, I simply need to remember them. So, while I let that tidbit of wisdom sink in, I also read a few books about frugality to balance the playing field, including:

    • Meet the Frugalwoods: Achieving Financial Independence Through Simple Living by Elizabeth Willard Thames
    • Money Secrets of the Amish: Finding True Abundance in Simplicity, Sharing, and Saving by Lorilee Craker

    Let me say again, when I started this quest, I assumed that I would find justification for my contempt for all things money related and perhaps even a path to living a close to moneyless existence. Imagine my surprise when I felt my heart (and mind) being pulled in exactly the opposite direction. In all my railing against consumerism and hating on excess, it turns out I was also inadvertently equating the act of earning, saving, and spending money with these things I found abhorrent. Um…note to self…these things are not the same.

    I soon realized my problem with money is that I don’t know what to do with it. Let me clarify that a bit. I am not financially uninformed. I’m a pretty savvy budgeter. I know to avoid debt, pay bills and save for emergencies and retirement, but I was raised (like most of us) in a spending economy. Even if you were saving money, you were saving it to spend on something – like a house or a car. When you are brought up this way then decide you don’t really want to own too many things, the idea of money seems arbitrary. And in some ways, it is; but money can do more than just buy things.

    Money is a tool, just like a shovel is a tool. Most folks dig gardens with a shovel but how many times have you watched movies where someone gets whacked in the head with one (or buried alive)? My point – all tools can be used for both good and evil. Money is no exception. In recent months, I’ve spent an inordinate amount of time seeing only the evil money can cause and now it’s time to focus more on the good. Always equating money with consumerism is where I lost focus. To fix this, I need to shift my mindset on money to match our lifestyle and find a financial goal that has meaning for us.

    So that’s where I’m at. No earth-shaking revelations on money management. No financial road map for the next 5 years. No match to light us on FIRE. Just more questions that we will continue to ponder.

    Side note – On the more practical side of things, we tried doing the “hands-off budget” for a few months. I’m not a fan. I thought I would be (again, imagine my surprise!) but I didn’t trust “our system” to work without my guidance and I didn’t like not having a plan. I’m all about purposeful spending but I know me all too well. I can find purpose in all sorts of stuff at the grocery store – things that wouldn’t normally be on our list, like Magnum non-dairy ice cream bars. We also opted not to micromanage our investments. That ended when E-trade closed one of our accounts for failing to fully fund it before the deadline – something I would have known about had I logged in sooner.

    Better Me, Better World: Year in Review

    Tomorrow starts a brand new year, with 365 exciting opportunities to do something you’ve never done before. How cool is that?? I know I’m pretty happy about it. I’m happy to start something new but I’m also happy to post the results of our year long Better Me, Better World project. We had two goals this year – to live simply and strive toward zero food waste. Here’s how we did on both:


    Better Me Goal: Live simply. Prove that we can live a happy, healthy, and prosperous life with less.

    Yard Sale Puzzles

    Last January, we set a budget and for the most part, we stuck to it. There were some splurges along the way, mostly at yard sales and the Farmer’s Market, but we had no extravagant expenditures. Even when I had to get a new cell phone, I bought one that was two generations old and on sale. Our vacations were cheap. Our fun dates out were frugal. Our fun days staying in were also filled with cheap activities – knitting, coloring, putting together yard-sale puzzles, watching free documentaries, and reading. This year, we read 52 books between the two of us.

    Frugal living allowed us to save $7,166 toward retirement, travel, and emergencies. Our net pay from my job was $29,778.72 this year. We received another $3,557.32 from side hustles, gifts, and proceeds from our decluttering efforts. While I know saving 22% of one’s income is something to be proud of, I still feel conflicted when it comes to money. This is something I plan to work on in 2019.

    Another of our Better Me goals was to eat a mostly plant-based diet, with no more than 10% of meals containing meat. I’m pleased to say that only 8.8% of the meals we consumed in 2018 contained meat. We had a total of 322 completely meatless days. As the year went on, we made a few other adjustments to our diet. We started taking a harder look at ingredients and buying more organic, non-GMO products when possible. (Our rule of thumb on fresh produce is that saving a fruit or veggie from becoming waste trumps where it comes from. In other words, dumpster finds don’t have to be organic or non-GMO.)

    Hiking in Lafayette, TN

    We (or rather I) attempted to be more active. Angie already does some sort of stretchy resistance band/jumping around the room routine 2-3 mornings per week. My thoughts are with her, but my body is usually sitting at my desk. To trick me into exercising, Angie would often tell me that we were going to walk to the dumpster or the thrift store or go to the park for a picnic (followed by a walk). Don’t get me wrong, I enjoy being outdoors. I enjoy hiking and paddling (both of which we did this year) but if you call it exercise, my brain refuses to allow my body to participate. If you call it play, we’re all in though. And if you call it yard work or gardening, I will stay outside all day – hauling compost or raking leaves or pruning plants – until my muscles are as sore as any athlete. With that being said, we did try to take more walks this year. I’m not sure how far we walked/hiked though. We were up to 110 miles at the beginning of August when my fake Fitbit died. I have yet to replace it.

    Self-score: A-

    I always think there’s room for improvement when it comes to living more simply. There were times this year that we used our wallet instead of our brain to solve a problem and in every single one of those cases, the problem got worse. For example, we spent $160 on 2 pair of barefoot running shoes because we read that it was a “more natural” way to walk and would reduce stress on our feet. Within just a few weeks, I went from sore, tired feet after a long walk to full-blown plantar fasciitis. It was awful! Then there was the matter of the folding kayaks. We thought owning a kayak again would get us out on the water more often. The first time I tried to fold my origami kayak, I nearly passed out from heat exhaustion. It took 4 people 30 minutes of wrestling with plastic to get it set up, only to have it collapse inward in the water. We ended up selling both pair of shoes and both kayaks at a slight loss. The better path would have been the $25 super comfortable hiking boots I ultimately bought on sale at Academy and renting a kayak for the afternoon.


    Better World Goal: Zero-food-waste. Prove that one couple can have an impact in reducing global food waste.

    Volunteering with SoSA

    When we first set this goal, our plan was to simply continue our food rescue efforts (aka dumpster diving) at the grocery next door, possibly interviewing other dumpster divers and talking with management about their food waste policies, but their remodel in the spring shut down the store for 3 months and for a while thereafter, it seemed as if the amount of food being tossed out was improving. Not to be deterred, we opted to go in a different direction and help reduce food waste through volunteer work. In April, we worked with Compost Nashville to direct food waste into its proper receptacle at VegFest. From May through July, we worked with Society of St. Andrew to glean the Nashville Farmer’s Market after market day. Through our efforts, we rescued and donated 133 pounds of produce to our charity of choice, the Nashville Rescue Mission. Overall, SoSA volunteers gleaned 11,520 pounds of food from farmers’ markets in Tennessee during the 2018 summer and fall season.

    Throughout the year, we did keep an eye on the dumpster next door. Our total dumpster haul for the year was 348.11 pounds. The majority of this was comprised of fresh produce, breads, and 3 spiral-sliced hams. We shared our finds with 10 individuals. A few non-perishable items were placed in the Blessing Box, a brand-new free pantry outside of the Baptist church down the street.

    We also had the opportunity to talk with a few key folks in our community about food waste this year. During Grit, Grace, Grub, a culinary scavenger hunt hosted by our city’s Chamber of Commerce, we spoke at length to the manager of one of the local chain restaurants involved. She was impressed with our project and even brainstormed a few ideas with us on how she could reduce food waste. Our biggest success though was when we were contacted by the executive chef of a full-service 76-suite independent living (55+) community that was just opening an hour north of us. His board wanted buffet style meals served 3 times a day and as a new facility, he was concerned about the potential for food waste, since full occupancy could take at least a year to achieve. He had been told that donating cooked food was illegal and he wanted to know what his options were for reducing food waste. We talked to him about the Bill Emerson Good Samaritan Act of 1996 and he presented our information to his board. The facility now donates their food overages to the local homeless shelter and battered women’s shelter.

    At home, we continued to plan our meals and source local foods first and reduced-to-clear items second. We scored well with both, and with our tiny garden, which produced cowpeas, squash, tomatoes, blackberries, snack peppers, jalapenos, radishes, cilantro, and green beans this year.

    We also increased our composting efforts, adding a new finishing composter (made completely out of rescued materials) for year-round composting. In total, we turned 115 gallons of food and yard scraps into dirt for the garden. Though we did not have a zero-waste year, we did manage to reduce our food waste to only 15.73 pounds for the year (for our family of two). About ¼ of this waste came from a problem with our refrigerator/freezer door that defrosted several items before we knew it. Maintenance replaced the fridge and we salvaged what we could, but I was afraid to eat the meatless meatballs and bay scallops after they had been thawed.

    Self-score: A

    I think we could have done a little better on our food waste but I’m not going to complain too much about having less than 8 pounds of waste apiece. (The average American wastes 250 pounds of food per year.)

    How was your year? Did you reach or exceed your goals?