Quote

"I cannot live without books: but fewer will suffice where amusement, and not use, is the only future object." -- Thomas Jefferson

Sunday, January 12, 2014

On My Way to the Lavenderia (Laundry Service)

As I was hauling my laundry to the Lavenderia, I passed by a "garage" sale.

In Mexico, you learn to take advantage of sales on the spot.

In amongst the various items was a lovely clean, plush, pink bath mat for 15 pesos (~1.50U.S.).  Value between 40 to 100pesos.


Friday, January 10, 2014

The Junk Drawer and the Fine Art of Puttering


After being prematurely retired, I downsized significantly and moved to Mexico. Two years later after acclimating my new environment. I rented a one bedroom furnished apartment.

Among the pieces of furniture that came with the apartment was a large wooden bureau with four big drawers, one large shallow drawer and two small drawers. Because the bed had several large storage drawers for personal items, I did not need the bureau in the bedroom. So, I moved it into the living room/dining room area to use as a sideboard for linens and kitchen items.

I made one of the small drawers a junk drawer. Nothing says home like a junk drawer.

My junk drawer holds spare light bulbs, batteries, spare key chains, odd keys, guarantees for purchased items, rubber bands, nails, screws, pens, broken items, and other odds and ends.

Most people have hobbies. Many like sports. Lots of people are artistic and make crafts and such. I like to putter. I find it relaxing. I go around my home and determine if the furniture is in the best position.  I go through the drawers and sort and rearrange items. If there are items I know I will never use again, they go into a barter box.

I examine the rooms to see if there are items that need repair. Today, I sorted through my junk drawer. I found a broken corner from a stone paperweight. I found the glue and repaired the piece.

Then, I went though my closets, I found a colorful handbag and decided to hang it on the wall for decoration. I found a pair of pants I meant to mend. I made the repairs and now have a “new” pair of pants. I also found a little horse statue that was a gift from my mother; I moved it to my bookcase for display.

I sorted through my earrings and separated those that I use often, those I hardly wear --holiday and special earrings, and broken or single earrings. I repaired one pair of earrings and found a pair to put in the barter box.

In addition, my puttering makes me feel organized. It also reacquaints me with my belongings. Sometimes, I call this process “shopping in my closets” because I find things I forgot I had and might have purchased, again. So, I save money.

All in all, these few hours were relaxing and profitable.

This is a Fantastic Graphic Summary of Self-Publishing vs. Traditional Publishing




Source: http://www.businesswebpagecreation.com/selfpublishingbooks.htm

Reprint of SFF-World Post -- What Do Star Trek and Zorro (TV shows) Have in Common?

As a newly self-published author, I have been neck-deep in research in the various aspects of self-publishing. 
 
Research can take some surprising turns. At night, I would relax and watch old Zorro TV shows on YouTube. Then, during an internet search, I found a self-published biography of Guy Williams, the actor who played Zorro, by Antoinette Lane (Guy Williams: Man Behind the Mask). I got the eBook in Kindle. Long story short, Ms. Lane did a massive amount of research and produced a great biography of Mr. Williams. 
 
Anyway, I continued to watch the old Zorro shows and thought back to my first introduction to the show when I was a child. As a child, I was in love with Zorro, the horses, the action scenes, and the concept of good triumphing over evil without understanding the true nature of evil. Yet, when I think back, that show had a impact on my life, in the ideas I hold about good and evil, and even about the Spanish culture and American history. 
 
Today, I look at this show and see adult themes presented: tyranny, slavery, deception, crime, history, romance and more. 
 
Zorro was produced in the late 1950s by Disney. Star Trek came out in the late 1960s, produced by Desilu. When Star Trek came out, it was perceived as unique, yet, the creator, Gene Roddenberry, described it as "a wagon train to the stars." A western in space. 
 
I am a Star Trek fan and I appreciated how the stories present classic struggles to understand and overcome ideas like prejudice, intolerance, tyranny, slavery, crime and more. Star Trek also promoted exploration not just of space but of the human mind. 
 
What made Star Trek truly successful in my mind was that it presented classic stories that explored human nature. 
 
When I look back at the Zorro TV shows, I feel that they also presented classic stories that explored human nature. 
 
Both shows influenced my outlook on life.
 
Updated due to changes in Blogspot coding. 

Thursday, January 9, 2014

40+ Small Ways to Save Money in Mexico


While I enjoy being a tightwad, it also carries with it an ethical responsibility.
 
As Amy Dacyczyn notes:
“It is wrong to save money at the expense of others.”
--p228 The Complete Tightwad Gazette.
 
Here is my list of small ways to save money in Mexico:
  1. Save receipts, create a price book (include housewares, clothing, groceries, services, & other items).
  2. Develop menus and staples list, stock up on basics.
  3. Scout various markets for price comparisons.
  4. Buy vegetables and fruit on sale or in season, cut up and freeze.
  5. Look for holiday items on sale after the holidays for future use.
  6. Check grocery receipts for mispriced items.
  7. Use crock pot, freeze portions for other meals.
  8. Drink water instead of soda.
  9. Make juice spritzers with club soda and juice or dilute juices with water.
  10. Refill water bottles for personal use.
  11. Use drink concentrates and powdered drink mixes.
  12. Reuse tea bags and coffee grounds.
  13. Wash and reuse baggies safely.
  14. Dilute dishwashing soap, shampoo, and hand soap.
  15. Use homemade skin products as a DIY facial: olive oil mask, grape juice astringent, milk as a rinse.
  16. Compare health providers, expertise, reputation and costs.
  17. Buy used clothes, household items from flea markets and “garage” sales.
  18. Repair clothes and other items.
  19. Wear old shoes around the house, save better shoes for dress-up.
  20. Develop a basic mix and match wardrobe, foundation black pants or light brown skirt.
  21. Use plastic grocery and laundry bags for trash bags.
  22. Use cloth napkins.
  23. Wear solar watch.
  24. Recycle envelopes and copy paper.
  25. Take public transit.
  26. Use fans versus A/C.
  27. Unplug microwave when not in use.
  28. Turn off lights and fans when leaving the house.
  29. Walk and/or do yoga and exercises in home.
  30. Read free or low-cost ebooks from Smashwords, Amazon, Project Gutenberg and more.
  31. Use OpenCulure.org for viewing classic English movies for free.
  32. Attend various free cultural events.
  33. Use Skype and Magic Jack for international calls.
  34. Research travel and large purchases, then wait at least 24 hours before purchase.
  35. Pay off credit cards, use credit cards for purchases if concerned about a dispute, pay credit card in full.
  36. Compare ATM fees, use the lowest.
  37. Reduce number of ATM withdrawals per month.
  38. Put regular weekly or monthly savings amount, and spare change into savings account.
  39. Research CD interest rates, store money in long-term CDs.
  40. Barter.
  41. Reduce, reuse, recycle, regift, rethink, and re-enjoy.
  42. Best of all, be creative and keep your eyes open for savings opportunities.

Monday, January 6, 2014

A List of Some Frugal Shopping Tactics in Mexico

I found Amy Dacyczyn's book, The Tightwad Gazette, in the late 1990s. She revolutionized my life for which I will be forever grateful.

Once I got the book, I tried to be a good tightwad.

In the states, I bought used clothes, used books and other items. I used her grocery price book idea and stocked up on staples like tuna, toilet paper, noodles, etc. and when items were on sale or marked down.

I had a route of a Asian grocery store for eggs and vegetables. A dollar store for some basics and a grocery store that had lower prices and good sales. Plus, I went to a discount bakery outlet once a week for baked goods.

One time, I found mayo on a special sale rack and took two. When I got to the counter, they rang up the retail price. I pointed this out and had to show the customer service representative the sale rack. I got them at the sale price. It pays to look for the same item in a store in different locations.

My goal was to make meals for under $1. I achieved that goal and much more.

Among other tactics, I saved refund checks, salary raises and more, I managed to save enough money to survive several financial crises. But, with the U.S. economy in the toilet, the loss of employment in 2011, and lack of affordable health care insurance, my only solution to survive was to sell my home and move to Mexico.

In Mexico, trying to be a tightwad has been harder, so far I use the following tactics:
  • use public transit;
  • for some prescriptions, I try generics;
  • buy bulk groceries;
  • compare price options like toilet paper - I choose the one with the most sheets. I avoid double sheets, colored or scented varieties;
  • look for sales;
  • look for banks with lowest ATM charges; and
  • follow exchange rate, use ATM or credit card when peso value is high.
While there are no used clothing stores like Goodwill here, there are weekly flea markets in various locations. Some are too far, some I can get to by bus. At the markets, you can get a variety of items from kitchen items to clothes. I found one lovely black and white, long, lacey, dress vest which I wear over a black dress or black pants for $70MX ($7US). I get a lot of compliments when I wear it.





Also, you can find "garage" sales at private homes. One great find was titanium frames for prescription glasses for $20MX ($2US). In 2013, I got new progressive lenses for $900.00MX ($90US) and used my yard sale frames.

There are tiendas (mom and pop convenience stores) on almost every block, where sometimes you can get a better price on some items.

There are food vendors in the open markets and those that set up stands along the streets at busy locations or who ride bike-driven carts selling pastries, fruit and more. The food vendors are the best bet for lower prices. But, there is one caution, sometimes "tourists" or Expats will get charged "foreigner" prices which are higher.

You can find several WalMart stores and Mexican food store chains. I go to Chedraui for bulk shopping. I am not always getting the best price but often there are items on sale that I can use. For me, saving time and cab money, is a savings.

I am working on a price book, so I can do better price comparisons.

Many Expats buy homes here as a way to save money on housing. I rent a 1-bedroom apartment.

To buy a house here, means paying a lawyer and a realty agent, it also means paying for renovations because many homes that are affordable are also fixer-uppers. So, in the end you can spend anywhere from $40,000US to $100,000US.

I don't have that much money to invest in a home. Plus, you have to add in the utility costs like electric, cable, water, trash and pool cleaning services. Many also hire housekeepers and gardeners. Plus, from my observations, Mexican homes, which are made from Yucatan cement, need frequent maintenance.

I pay $3100.00MX ($250-300US) plus electric which runs about $150.00MX every other month ($15.00US) for a one-bedroom apartment which suits my needs. The expenses vary based on the exchange rate.

I continue to calculate future expenses to try and determine other means of reducing my expenses.

Clothing
When I first came in 2011, I investigated various clothing and grocery outlets trying to get a handle on prices. For clothing, most shops seemed to sell pants, skirts, tops, and dresses for anywhere from $100mx to $400+mx which is about $10US to $40US.

I found a shop that sold pants and tops for about $3.00US each, so I bought several pants and tops to mix and match and I have been wearing these clothes for over two years. While I do not have much variety in my "look", I have saved a lot of money on clothes.




Also, in this tropical climate, I, now, wear flip flops. After a search, I found a store that sold flip flops for about $2US, whereas in other shops they sold for $3-6+US. I have several pairs of flip flops in a variety of colors. I walk a lot and these flip flops are sturdy and hard to wear out.

Sunday, January 5, 2014

Another Frugal Non-Cook Kitchen Adventure

Now, I usually have to go around the barn to get where I am going.

I went to heat a cup of water in the microwave last night and when I hit the start button, the microwave shut off or maybe blew a fuse, who knows what, but it no longer worked. Using another outlet proved it was the microwave unit and not the outlet.

I boiled water on the stovetop instead.

In the morning, I went to the apartment office to let them know about the microwave. I live in Mexico and I have not learned enough Spanish yet to say:


"I wanted to let you know the microwave stopped working."


So, I used my iPad and Google's translate to translate the sentence into Spanish.

"Hola, buenos días. Quería hacerle saber el microondas dejó de funcionar."

The office clerk understood me and used my iPad to tell me that a technician would come by today and would I be home all day? Si, gracias.

The technicians came in 30 minutes and replaced the microwave.



But, there was one special instruction they gave me in Spanish.

Push this red button (Inicio/Mas Tiempo) to use the microwave and push this red button to stop the microwave (Pausa/Cancelar).

I could not use any of the other panel functions. We spoke in SpanEnglish and sign language.

So, when I push the red ON button, I get 1 minute of power. If I want more minutes, I keep pressing the red ON button. To stop the process or clear the minutes, press the red OFF button.

As a non-cook, this is not a major inconvenience, yet. I had hoped to make a tuna casserole, so we shall see how I will use the red ON button when I try to cook the casserole.

All this happened while I was trying to plan my grocery shopping list. This is not as easy as it sounds.

If I buy lunchmeat, I have to freeze half of it and then have lots of lunchmeat sandwiches so I eat it the rest before the lunchmeat goes bad.

That is why much of what I buy is canned or packaged. The items keep longer.

If I buy fruits or vegetables, I have to plan dishes where I will use them within a week or two, before they go bad.

With some of the vegetables like onions, celery, or bell peppers, I can slice or dice and freeze some for use in crock pot recipes.

When I was in the states, I had achieved my goal of making my meals for less than $1. I have yet to achieve this in Mexico. Things are a bit different here.