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Zen and the Lack of Sex

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Posted on 24th August 2007 by mishakennedy in miscellaneous

By Michelle Kennedy

I have discovered a new scent that drives my husband absolutely wild. It’s called, “Eau de Deep Woods Off.” It’s a good thing that he likes it so much, because it’s generally the only scent I even consider putting on.

It’s not that I don’t wander down the cosmetics aisle at the department store looking wistfully at scents like, “Beach” and “Passion.” It’s simply that while I am looking, generally someone under the age of 10, who seems to belong to me, is spraying the perfume samples on passing customers or decorating the display cases with the samples of lipstick.

In days B.C. (before children), preparations for sex were reasonably effortless. Of course there was the agonizing over what underwear to put on (“If I go for sexy, am I being presumptuous?”), what dress to wear or even: “Do I ask him up for the proverbial drink after the date?” The list seems almost trite now, even if the freedom is alluring.

Now, planning for an evening of unfettered joy is like planning a paramilitary operation. Each effort must be timed accordingly. Each move made carefully. Dinner must at once be both nutritious and disposable—not requiring too much clean-up so as not to spoil the requisite after-dinner family activities. Bedtimes must be set so as to leave a buffer zone for the unavoidable requests for additional water, more stories and general “I don’t want to go to bed” whining.

My husband and I prepare for the operation with an initial meeting in the garage.

Kissing him on the back of the neck, I say, “You put Liam and Alex to bed with a movie and I’ll get the baby to sleep. I’ll tell Matt and Lyd (the older two) that they can stay up and watch the Red Sox. Then I’ll give Jack a bath and read to him. He’s pretty tired so he should fall asleep quickly.”

Rubbing my back slightly, he says, “Alex and Liam’s VCR doesn’t work, so you’ll have to get the one from the basement even though it doesn’t rewind.”

“Oh, turn me on with your VCR-repair talk,” I reply, breathing heavily.

After dinner we are chilling on the sofa, playing a board game with the kids. I may be buying Park Place on the outside, but on the inside I am breaking out the bottle of wine I picked up on my way home from story time at the library.

The game is won and the stories are read. Moving quickly and quietly, we send each child away. We anticipate drinks of water, we snuggle, tuck and retrieve lost bears with ease. Finally, we are ready. Grown up time! Fun and joy: begin now!

I head to the bathroom to do some “freshening up.” My goal is to somehow transform from tired old woman into sweet young thing. I shower. I primp. I wince. I am mostly satisfied with the final result when I emerge from vanity central.

In the bedroom, I see that my husband has done some preparing on his own. The room is beautiful. Candles are glowing. Incense lends a romantic air to the room. He’s even changed the sheets. (OK, maybe not a turn on for you, but this means love to me!)

Just as the first kiss begins … yup, you guessed it. A crying child from quadrant one. Still on alert, I run to the section with the hope, however fleeting it may be, that this child will not set off a chain reaction and wake up every other child in the house.

But alas, I am wrong and the requests for more water and yet another kiss are flying.

So, after an extended tour of duty, the weary warrior returns to HQ, only to find her Knight in Shining Armor snoring amid the glow and scent of a perfect evening.

Disappointed, but not daunted, I lie in bed, sipping my wine, watching Letterman and scheming yet another enchanted evening.

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Guest Column – Avoiding Payment Pain

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Posted on 22nd August 2007 by mishakennedy in frugal

Avoiding Payment Pain
The Dollar Stretcher
by Gary Foreman

Dear Dollar Stretcher,
I was really scammed on my 2007 Durango and now I can’t afford the lease payment of $900 plus a month. I don’t know what to do. The dealership won’t return my calls. I am in trouble and I can’t get out.
CB

Dear Dollar Stretcher,
I have a situation and I don’t know what to do. I am in a vehicle that I am upside down in by $8,500. The vehicle is worth about $1,500. The vehicle is having a lot of mechanical problems and I have already spent over $3,000 to fix it. How can I trade the vehicle in and get a car payment that I can afford?
Kate

Many people are having trouble with their auto loans, leases or payments. In fact, according to Kelley Blue Book nearly one third of all drivers owed more on their vehicles than they were worth. So lots of people have similar problems.

And, our cars aren’t the only place that we’re seeing similar problems. Many homeowners are struggling to keep up with adjustable mortgage payments that are increasing. Much has been written on the troubles with the ’sub-prime’ mortgages.

We won’t attempt to tell people how to get out of these situations. Partly because there’s already been a lot written about it. And partly because there aren’t any real good answers.

Once you’re upside down in a car or living in a home that you can’t afford there’s no easy solution. There is no painless way out. In fact, the choice is usually between taking your lumps now or putting them off and suffering even more later.

These problems usually have one of two causes. Either the consumer bought something that required making payments that they couldn’t afford, or, in the interest of getting “affordable payments” they stretched out their payments which left them owing more than the house or car was worth for a long time.

So let’s see if we can’t help people to avoid these painful situations. Like most disasters, there are some warning signs that the smart consumer can look for. Let’s examine a few.

The first is a simple question: what if? Before you sign the papers to buy a house or car (and commit to the payment) ask yourself what would happen if you lost your job. Or got sick for awhile. Or became pregnant. Or any other significant life event. Would you be able to make your payments or would you have a crisis on your hands? Life happens. A wise person is not surprised when it does.

Another good question is: are you close to the edge? There are budget guidelines that suggest limits for spending on houses and cars. How close to that edge would this commitment take you? It’s always wise to leave a margin for error. Don’t let a salesperson convince you that you can spend more than the guideline and make it up somewhere else. It won’t work. At least, not for long.

When you’re poised to take the keys to a shiny new car it might seem like you won’t miss your weekly Friday night dinner out with friends. But six months down the road you’ll begin to resent the payment. It’s easy to get talked into buying a house or car that you can’t afford. But the salesperson will not be there when the payments begin to hurt. At that point, like CB, you’ll be alone with your problem.

Next question: How long could I be stuck? Sure, we all like “affordable payments.”  But usually that means that you’re not paying enough (or any) principal. So you build up equity much more slowly.

It’s hard to sell something if you owe more than it’s worth. Yes, you can roll some ‘negative equity’ into a newer car. But that only makes the underlying situation worse. Instead of being upside down for the first three years of the car loan, now it’s four or five. Are you sure that you’ll want to be driving it that far down the road?

Being stuck in a home could potentially be even worse. You may want to move to a new city for a job or to be with a sick relative. If you owe more than your home is worth you could be without options.

How can you know whether you’re upside down in your home or auto? The best way is to graph out the value of your home/auto and the amount of equity you have in it (i.e. the value of the item minus what you owe on it). Most consumers probably won’t bother to do that.

The next best thing is to take a good guesstimate. For autos, you probably should figure that you’ll be in negative territory until about the last year of your payments. Maybe two years if you have a newer car that holds it’s value well.

That works reasonably well for a car where you can predict future value. For your home it’s purely a matter of guessing what your home will be worth in the future. And, that’s not nearly so easy. So if you do a zero down payment, interest only loan, you’re completely dependent on the housing market. You have almost no control over your situation.

What’s the morale to the story? It’s a wise person who anticipates future problems and avoids decisions that could easily lead to pain later. They may live in a little smaller home and drive a little older car. But by avoiding problems they actually have a better quality of life.
__________

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher.com website and newsletters. The site is dedicated to helping people live better on the money they already have. If you’d like to stretch your day or your dollar, visit today!

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Frugal Tip of the Day – 5 Frugal Vacation Tips

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Posted on 22nd August 2007 by mishakennedy in frugal

Having just returned from a great vacation in Washington D.C., let me share a few of the things we did to save ourselves a lot of money – particularly in the road trip portion of the vaca.

1. Shop first. I went to the grocery store the day before our trip and while we normally don’t stock things like individual bags of chips or store bought granola bars in our pantry, I decided that the fun factor outweighed the completely healthy factor for our vacation. I purchased a bag full of 24 bags of chips (school lunch size) for the trip. The bag cost $6. If we had allowed the kids to purchase individual chips along the road it would have cost at least $1 per bag – and my husband would have purchased two! Just one lunch time’s worth would have cost more than $6. I also bought four boxes (eight in a box) of juice box drinks for $2 a piece. Again, if I had purchased individual juice or soda drinks for the kids on the trip (probably two or three times) it would have cost at least $1.50 per child (I have five), per drink, plus John and myself. I also bought two pounds of turkey, a pound of sliced provolone and two loaves of bread. I packed some mayo out of a gallon jar I had in a small container and just said the heck with lettuce, since I knew it wouldn’t keep well in a cooler and the kids wouldn’t want to eat it anyway. “We’re on vacation Mom, jeez!” All in all, I spent $118 at the grocery store before we left – including paper towels for the car (the only time I endorse the use of paper towels and they we’re made of 100 percent recycled paper) and extra toothpaste. I also bought cookies, Goldfish crackers and other “treats” so that the treats along the way wouldn’t seem quite so appealing.

2. Park cheap. We decided to be a bit risky when it came to parking in Washington D.C. We parked at a meter. We got 2 hours for $1. However, because we parked very close to the museums we were visiting, it wasn’t hard to send someone out to throw another $1 in the meter as we needed to. We spent six hours parked on the National Mall and it cost us all of $3. We considered public transportation, but we thought for our first trip into the city we’d “check out” the parking situation. Another good tip seems to be to pick a rainy morning or a very early morning to start your tourism activities. We arrived on the National Mall at about 9:30 a.m. on a Thursday morning in a light drizzle and there were plenty of parking spaces available. By the time we emerged from the Air and Space and Natural History Museums later in the day, the mall was hot and jam-packed.

3. Find the free activities. Obviously, D.C. has many free activities for families. But most cities and towns have lots of things families can do that cost nothing. Look in the local paper – there is  usually an alternative weekly that lists lots of interesting activities, or look online to find some of the area attractions that might not be as well known. Trips to factories can be wonderful, free experiences for children.

4. Build in a rest day. This is the vacation equivalent to staying home. Pick a day (or two) and place them strategically into your itinerary. These can be days to relax by the pool or beach (if you have them), or to just sit around and watch TV, play games and talk about all of the stuff you’ve already done.

5. Bring your own food. I was concerned, when we visited the Smithsonian because they said you couldn’t bring food or drink inside. Apparently, what they are concerned about is food that is open and from other vendors. I was able to bring in some juice boxes and granola bars for the kids without any problem at all.

Of course, I am not a complete tightwad while on vacation. I may cringe at a $3 bowl of Dippin’ Dots, but I also know that getting those kind of treats are part of the fun of being on vacation. My favorite ways to be frugal on vacation are ways that allow us to spend the money we save on things that the kids really get enjoyment out of. The National Aquarium was a very expensive trip – almost $200 in tickets to get in alone, but because we made such an effort in other ways to save money, the “guilt” factor on handing over that money was lessened.

I hope you will share with us some of the ways you have been frugal on vacation.

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We're On Vacation!

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Posted on 18th August 2007 by Mish in news

Organically Inclined is on vacation this week – August 14-August 22. We’re off to our nation’s capitol. We’ll be back next week – reinvigorated with many new ideas and tales of our frugal vacation!

Thanks!

Mish, editor

We’re On Vacation!

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Posted on 18th August 2007 by mishakennedy in miscellaneous

Organically Inclined is on vacation this week – August 14-August 22. We’re off to our nation’s capitol. We’ll be back next week – reinvigorated with many new ideas and tales of our frugal vacation!

Thanks!

Mish, editor

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NYC Hospitals Ban the Bottle!

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Posted on 13th August 2007 by mishakennedy in breastfeeding

From the New York Post

“First came smoking. Then there were trans fats. Now the nanny-like city’s public-health crusade is taking on the baby bottle.
Free formula samples and formula promotional materials are now banned from gift bags given to new mothers at the 11 hospitals run by the city’s Health and Hospitals Corp.

Instead, new mothers will get a tote bag stuffed with disposable nursing pads, a mini-cooler for breast-milk bottles, and pint-sized T-shirts for the babies that proudly declare “I eat at mom’s.”

The move comes as World Breast Feeding Week is set to begin tomorrow.

And today, city health officials will announce a campaign to promote breast-feeding instead of using formula.

‘Nationally, there has been a push to return to breast-feeding,” said Dr. David Garry, director of obstetrics at Jacobi Hospital in The Bronx. “Human milk is still the best for newborn babies.’”

Read the rest…

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Frugal and Green Tip of the Day – Get Canning – or Freezing!

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Posted on 13th August 2007 by mishakennedy in food | frugal | gardening

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“The time has come,” the Walrus said…

It is time to start stocking up! Here on the Hogan farm, we have been picking, canning and freezing the daylights out of everything. Blueberries, blackberries, peppers, zucchini and yellow squash, you name it. The tomatoes appear to be getting close to picking – it was a cool June here in Vermont and they didn’t like it for quite a while.

Even if you don’t have a garden, you can still put food up. Just go to a few of your local farms and ask if they extra. Sometimes, a farm inundated with cukes and zukes that didn’t sell well will let you pick your fill for a flat price.

Don’t have the time to can 24/7? Do what I do. Some days are just too hot for canning and I’ve been ordered not to let my 8 months pregnant ankles get too big from standing! So, on really hot days, I slice and freeze veggies or lay berries on a cookie sheet to freeze individually and then bag them up. That way, the food is available for anyday I feel like making up salsa, tomato sauce or jam – and if I don’t get to it, I didn’t let the food go to waste.

I won’t go into the ways to preserve food right here – many have written very well on that topic. I would suggest you check out Jackie Clay’s articles at Backwoods Home Magazine

A great book on the topic is Stocking Up, by the Editors of Organic Gardening and published by Rodale. Used copies are always popping up on eBay.

Also, heading to the local hardware store can yield supplies and all kinds of info. Ball, the maker of the jars, has produced a very handy booklet on how to can your produce.

There are some great recipes for canning at RecipeZaar.com

And regardless of what many say, you can freeze almost anything. I have frozen whole tomatoes and peppers and used them on a January afternoon in a wonderful tomato sauce. They may night slice well for a sandwich, but they will cook beautifully.

Oh – and if you can up something truly wonderful, what frugal gifts you have, ready-made, for the holidays!

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Frugal and Green Tip of the Day – Plastic Bags…the bane of my existence.

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Posted on 9th August 2007 by Mish in cloth diapers | family | farming | frugal | green living | money

OK – now, I try to be as green as possible, but I will admit, that there are times when either I’ve forgotten my big tote bag, I’ve already filled it, or suddenly I am handed something in one of those dreaded plastic bags before I’ve had the chance to refuse.

It’s alright, you too, can admit to the large bag full of bags in your pantry or closet. Now, since we’ve turned over a completely green leaf, I have been much better about refusing these bags, but I still have a ton leftover from my previous life.

Here are a few things you can do with those bags, without putting them in a landfill.

1. Use them to stuff a valance. I thought this idea was genius! If you have one of those puffy valances, or are planning on getting one, just use the plastic bags to make it puffy.

2. If you buy bread – which I occasionally do – use the bag it came in to keep your own bread or muffins when you make some. If your bread came with a tag on the end – you can keep those as stitch savers on your next knitting project!

3. Use them as packing material instead of peanuts. Granted, this just passes the problem on to someone else, but if you’re sending them to someone who sends you packages once in a while (a grandparent, for example) just encourage them to send the same box and bags onto someone else, or back to you when the time comes.

4. Use them as gloves. This does doom them eventually to a death in the trash can, I’m afraid, but at least you’ve gotten several uses out of it. I’ve used plastic bags as gloves to pick up all kinds of gross things – from doggie doo to cleaning up, well, let’s just say, other messes.

5. Cloth diaper receptacles. These bags are perfect to keep in the car – or your diaper bag – and will hold a number of wet diapers in your bag until it’s time to head home.

What do you use plastic bags for? Please comment and tell us!

Frugal and Green Tip of the Day – Plastic Bags…the bane of my existence.

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Posted on 9th August 2007 by mishakennedy in cloth diapers | frugal

,

OK – now, I try to be as green as possible, but I will admit, that there are times when either I’ve forgotten my big tote bag, I’ve already filled it, or suddenly I am handed something in one of those dreaded plastic bags before I’ve had the chance to refuse.

It’s alright, you too, can admit to the large bag full of bags in your pantry or closet. Now, since we’ve turned over a completely green leaf, I have been much better about refusing these bags, but I still have a ton leftover from my previous life.

Here are a few things you can do with those bags, without putting them in a landfill.

1. Use them to stuff a valance. I thought this idea was genius! If you have one of those puffy valances, or are planning on getting one, just use the plastic bags to make it puffy.

2. If you buy bread – which I occasionally do – use the bag it came in to keep your own bread or muffins when you make some. If your bread came with a tag on the end – you can keep those as stitch savers on your next knitting project!

3. Use them as packing material instead of peanuts. Granted, this just passes the problem on to someone else, but if you’re sending them to someone who sends you packages once in a while (a grandparent, for example) just encourage them to send the same box and bags onto someone else, or back to you when the time comes.

4. Use them as gloves. This does doom them eventually to a death in the trash can, I’m afraid, but at least you’ve gotten several uses out of it. I’ve used plastic bags as gloves to pick up all kinds of gross things – from doggie doo to cleaning up, well, let’s just say, other messes.

5. Cloth diaper receptacles. These bags are perfect to keep in the car – or your diaper bag – and will hold a number of wet diapers in your bag until it’s time to head home.

What do you use plastic bags for? Please comment and tell us!

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Frugal and Green Tip of the Day – Hang Your Laundry

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Posted on 3rd August 2007 by mishakennedy in cloth diapers | frugal

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But I don’t have a country estate! I live in an apartment!

That’s OK – you, too, can hang some of your laundry and save yourself both cash and carbon emissions. And it’s super easy!

If you live somewhere with a backyard – just string up some clothesline (available for about 99 cents at any hardware store) and get a package of clothespins (these might cost $2). And you’re in business. Wash your clothes, in cold water of course, and then hang them up.

If you don’t have a backyard, you might have to invest in a clothes rack. You can get these at almost any warehouse-style store or hardware store. Depending on the size, they cost between $10 and $30. But I’ve gotten an entire very large load on two of them. You can also hang your clothes directly on their hangers and hang them on a dowel (or one of those garment racks) in front of a sunny window, on a deck or balcony, or by a heat source – like a radiator (but not too close!).

But I hate it when my towels and jeans feel stiff!

Well, you can do one of two things:

1. You can get over it. That’s what we do. Towels only feel stiff through the first use and jeans take just 10 minutes or so to get going, as it were.

or

2. You can spray the hanging clothes with a combination of water and fabric softener. I personally think it’s a little silly, but if it really bothers you, it’s better to spray a bit than not to hang at all!

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