Carnivals and the Gender/Finance Question, Continued

Posted by Lise on 26 Aug 2008 | Tagged as: carnivals, clothing, gender, link love, meta, personal appearance

Great news! Ten (Other) Ways to Make Your College Education Pay Dividends appeared in Festival of Frugality #160, hosted at FIRE Finance.

Two other posts I noted from this edition included:

  • Don’t Go to a Private University at Blueprint for Financial Prosperity. I seem to really enjoy arguing on Jim’s Devil’s Advocate posts. In this one I point out that the effective cost of a private college education, after financial aid is accounted for, can quite often be less expensive than a public college education, especially for low income families.
  • Benjamin of Trees Full of Money writes about My Inexpensive Do-It-Yourself Geothermal Cooling System. Even though this isn’t a system I can implement in my own house, this article impressed me. It’s a novel topic that I haven’t seen addressed in any Festival of Frugality, and the author gives concrete advice that you can put to work today. All around, a rare find.

I’ve also entered Gender and Finance: How Much Do Your Spend on Hygiene? in a carnival, but that won’t be out for a few more days. I am hoping to get more exposure for that article so I can reap a greater “sample size” before posting the results.

I am heading off on vacation tomorrow morning, so in the meantime I present my own responses to the questions I ask in that post:

What is your gender? Female
What is your occupation and level of responsibility? I’m a research analyst for a market research firm. I have no employees for whom I’m personally responsible, but I do answer directly to one of the senior VPs.
About how much have you spent on clothing for yourself in the past six months? I bought about $80 worth of bras from Macy’s, a $45 shirt from Land’s End, a $20 dress from Target, and a $17 sweater from Target. Total: $162.
How often do you get your hair cut? How much does it cost each time? Approximately once every three months (sometimes more frequently; sometimes less) at $46 each time.
What products do you use on your hair (shampoo, conditioner, sprays, gels, mousse, etc)? How much does each one cost? Matt and I share bottles of Suave Daily Clarifying shampoo, $3.49 on drugstore.com. I also use V05 Detangle and Shine spray; $3.99 a bottle from walgreens.com.
Describe your morning routine on a work day (or a day where you have to “dress up,” if you’re not currently employed). Wake up, take a shower (involves shampooing, shaving, and using a scrub on my face), spray conditioner in hair, put contacts in, (optionally) style/blow-dry hair (it seems to look the same no matter what I do), brush teeth, put on perfumes, deodorant, get dressed.
If you have a similar category to “clothing/beauty/hygiene” in your budget, tell me your monthly expenditure for just you. Over the past five months, approximately $69 per month of our spending has belonged to this category. At least half of that is mine, if not much more.

Gender and finance: how much do you spend on hygiene?

Posted by Lise on 22 Aug 2008 | Tagged as: childfree, feminism, gender, personal appearance

Millionaire Mommy Next Door just featured an article on Why Women Need Money More Than Men. Her reasoning is that “having a child is now the single best indicator of financial collapse,” and that women, as the bearers of children, still bear an unfair portion of responsibility for child-rearing - and, if they don’t have a partner, all the related expenses. She suggests solutions such as delaying motherhood, sharing parenting and careers with a spouse, or becoming financially literate. (As we know, my husband and I are childfree, so I’d suggest avoiding children entirely, but I realize that’s not right for everyone).

One area MMND does not mention is how life expenses differ between men and women. In many areas, we pay the same the amount regardless of gender, i.e. housing, food, transportation. However, one category I suspect differs by gender is the one that in my budget is called “clothing, beauty, and hygiene.”

Why? The standard for professional women to look “put together” requires a greater expenditure of time and money than it does for men in similar positions.

Women’s fashions change more frequently than men’s. We have more options for kinds of clothes to wear. We wear makeup. We get manicures. Our haircuts cost much more. We have to shave more. We carry purses - often expensive designer handbags. We wear pantyhose (how I hate THAT one).

Some women like myself - acquiesce to these cultural standards grudgingly, seeing it as just part of getting ahead professionally; and some take a real joy in it. Rare is the woman who can escape from these standards completely; even a student who wears sweatshirts and jeans all the time may be expected to put on a dress and shave her legs for a wedding.

So, my readers, consider this a survey. (I am a market researcher, after all). If you could answer the next few questions, I’d be very appreciative.

- What is your gender?
- What is your occupation and level of responsibility? (manager, technician, etc)
- About how much have you spent on clothing for yourself in the past six months? If you don’t know, about how many shopping trips have you made? (or online purchases)
- How often do you get your hair cut? How much does it cost each time?
- What products do you use on your hair (shampoo, conditioner, sprays, gels, mousse, etc)? How much does each one cost? (if you don’t know, tell me the brand and I’ll calculate it)
- Describe your morning routine on a work day (or a day where you have to “dress up,” if you’re not currently employed).
- if you have a similar category to “clothing/beauty/hygiene” in your budget, tell me your monthly expenditure for just you.

I’m looking forward to hearing from you and gleaning some data on how financial expenditure for hygiene differs between the genders.

Ten (Other) Ways To Make Your College Education Pay Dividends

Posted by Lise on 20 Aug 2008 | Tagged as: bargains, education, entertainment, travel

Vassar in snowTwenty-seven percent of the U.S. has a bachelor’s degree - and if you’re reading this, you’re probably one of those people. We all accept that the expense of our higher education buys us a better job or a graduate degree, but are there other benefits to being a college graduate?

As it turns out, the services your alma mater provides you as an alumni extend beyond free transcripts and overpriced reunion buffets. I examined the alumni benefits at the three schools I was most familiar with - Vassar College (Poughkeepsie, NY), Brandeis University (Waltham, MA), Fitchburg State College (Fitchburg, MA) - to see what they had to offer.

1. Access to libraries and athletic facilities. If you’re local to your alma mater, these can be invaluable. University libraries have subscriptions to far more journals and services than public libraries, and can allow you to delve deeply on any topic that might interest you. Your college’s gym can provide you, for free or a low cost, a top notch athletic facility. Some services are free with an alumni ID; some charge a fee. Your usage may also be limited.

2. Recreation. Alumni organizations often provide travel or entertainment opportunities to their members. Vassar, for example, is sponsoring a trip to London and Stratford-Upon-Avon to provide “backstage insight on theater,” with lectures from one of the College’s drama professors. Brandeis in the Berkshires is a similar type of program. Although these programs will cost you, being able to travel with like-minded people, with rare educational opportunities open to few, might make it worth it.

3. Contacts/networking. Most college websites feature an alumni directory of some sort. Some are simply databases of contact information, while others operate more like social networks (SUNY Canton’s MyCanton, for example, describes itself as being “like MySpace or Facebook”). Some, like Vassar, offer discussion groups where you can connect with alumni in similar fields, look for rideshares or housing, and buy and sell goods and services.

4. Career advice and assistance. Career development doesn’t stop with those transcript requests. Vassar, for example, offers a service called V-Net, a database of alumni who have offered to serve as career advisors to other alumni. More generally, some colleges have started using College Central to hook their alumni up with careers.

5. Accommodations. If you’re staying close to your alma mater, rather than dishing out for a hotel, maybe you can opt for a more personal experience? Vassar, for example, houses alumni in its scenic alumni house for $78-$168 a night. Many schools also will rent their dorm rooms out during the summer for a low cost.

6. Grants/fellowships. Even several years after graduation, you may be able to apply for grants or fellowships that your alma mater is offering. Vassar, for example, offers several fellowships to its alumni for pursuits such as studying language in a foreign country or taking “time out” when you reach your 40th birthday.

7. Lifelong learning. Many colleges provide lifelong learning opportunities to their alumni - and sometimes to local residents, as well. Brandeis in particular is known for BOLLI, the Osher Lifelong Learning Institute at Brandeis, which offers courses in history, government, literature, science, psychology, and other topics. This program is so popular that there’s now a lottery in place for membership! Alumni can also audit classes at many colleges; it’s all the fun of going back to school with none of the stress.

8. Credit cards. Now your alma mater can help you accumulate more debt! (Just kidding). Both Brandeis and Fitchburg State offer their graduates a college-branded credit card where every purchase supports the college’s fundraising efforts.

9. Insurance. In Massachusetts, several colleges - including Fitchburg State and Brandeis - have agreements with Liberty Mutual to provide reduced cost auto and home insurance to their graduates. Brandeis graduates also have some health and life insurance plans available to them.

10. Discounts. Fitchburg State, for example, offers a 10% discount on clothing and gift items from the college store. Through Brandeis you can receive a discount on rental cars through Avis, and a 30% discount on books from the University Press of New England.

How to plug in: Go to your alma mater’s website and look for its alumni subsite. Some sites will have a page called “alumni benefits” while some will note them in several different places. You may have to log in with your graduation info (ID code from the alumni publication, graduation year, etc) to take advantage of some services. Take some time to become familiar with what’s available to you now, so that when you need the information later, you’ll know where to find it.

(photo credit: joseph a)

The hell?

Posted by Lise on 14 Aug 2008 | Tagged as: meta

I wanted to explain what <meta> tags were to my boss, so I was looking at the source code for the index page. Stuck at the top of the <body> tag, before the first <div> were about a thousands lines of drug spam links.

Now, none of this showed up on website itself, thank goodness… but how the hell did they get there in the first place?

I immediately went into the Theme Editor and removed them, but again… how the hell did they get there in the first place?

Link Love: Polarity Edition

Posted by Lise on 23 Jul 2008 | Tagged as: link love

Today I’d like to share with you both a link I enjoyed and a link that troubled me.

The Happiness Project writes about Six tips for designing your happiness commandments. As they occur to me I’ve been adding my own happiness commandments to a list. I’m afraid mine suffer from a lack of brevity, and I’m not 100% sure I haven’t confused them with her “Secrets of Adulthood.” So far mine are:

  • Be Lise
  • If people dislike you for being Lise, they’re not worth your time
  • Move
  • Start for just 30 minutes now
  • Personal appearance reflects inner confidence
  • Always bring a book

The Digerati Life hosted a guest post this week, The Cost of Being Overweight. I will give SVB majors kudos to taking care of my biggest objection to this post, which was the headless picture of an overweight person. Ever notice how every article about “the obesity epidemic” is scattered with these? Way to dehumanize the overweight, folks.

I’m not against losing weight, per se, and I applaud Weight Ladder’s (the guest poster’s) tremendous efforts, but my major objection to this article is: why are we not instead outraged the overweight go through life paying by the pound? I have a friend who loves roller coasters, and I am pissed off that he can’t enjoy them because of his weight. It would never occur to me to say, “By the way, if you lost weight, you could fit on more roller coasters!” Why is it okay to say such a thing on a blog, but not to a friend?

I know the guest poster means well, but the posts reads like so many articles already out there about obesity, and again operates from the faulty assumption that the overweight don’t know they’re fat even though the fact is shoved down their throat day after day. Can we put aside the assumption that fat = unhealthy for a moment and applaud any effort to be healthy at any size?

When is buying cheap better than buying quality?

Posted by Lise on 22 Jul 2008 | Tagged as: clothing, economics, value

Right now I’m wearing a cheap black cardigan with shiny buttons that I inherited from my mother. I can be seen wearing it most days, even in summer, as my hedge against overambitious air conditioning. Since I wear it most of the work day, the elbows rub against my desk constantly, and right now there’s a thin spot on the elbow which will soon become a hole. At that point I’ll have to stop wearing it to work.

If this only happened to cheap black cardigans, my story would end there. But I’ve also destroyed not-so-cheap cashmere and wool sweaters in the same way. My elbows + my desk are lethal to clothing.

In Pants Don’t Need a Mission Statement I wrote about the dangers of buying cheap, poorly made clothes. But here are two examples of when it’s better to shop by price than to shop by long-term quality:

1. Heavy duty wear and tear. The wear and tear I put on the elbows of my sweaters is above and beyond normal usage. I love Lands’ End products, but it’s not worth buying a $40 cardigan from them when a $10 cardigan from Target is going to last just as long. Short of finding a sweater made of Kevlar, in fact, I don’t think that spending more will net me a sweater that will last longer. If the wear and tear you put on an item is greater than can be accommodated by buying a higher-quality product, buying cheap will save you money in the long run.

2. Limited time use. I’m at a phase in my life where I’m changing weight a lot (unfortunately, mostly increasing). There was a point in time where I could not fit into clothes I bought six months previous. Thankfully, I had purchased those clothes on sale at Marshall’s. I’m at the point now where if I gain anymore weight, however, those $100 Lands’ End wool pants are not gonna fit, and that’s a depressing thought.

Similarly, I purchased an electric lawn mower for $20 at a garage sale. It’s not heavy duty by any stretch of the imagination, but it’s light and easy to use and will last until I manage to eradicate all traces of my lawn with permanent plantings or hardscapes. In this case the amount you spend should be in proportion to how long you can expect to use the tool.

Readers: are there any other circumstances you can think of when it’s better to buy cheap than to buy quality?

Link Love: Emerging from MMO Haze Edition

Posted by Lise on 18 Jul 2008 | Tagged as: link love

Many, many moons ago, my article Let’s Not Forget Depression is a Dirty Word appeared in the Festival of Frugality #132, hosted at Budgets Are Sexy. Some of my favorite articles from that edition included:

I also wanted to share this article of note:

June Wrap-up

Posted by Lise on 30 Jun 2008 | Tagged as: monthly wrap-up

June is the month in which Frugal in the Fruitlands came into its own, I feel. In addition to the new domain name, I put far more attention this month into writing posts and bringing new readers to the site. To those new readers, welcome! It only took me a year to get this awesome. </sarcasm>

The most popular posts from this month were:

“Budget Your Booze,” my homebrewing series (part one, part two) didn’t get much love, alas, but I’ll mention it’s still there, in all its beery goodness.

I’d also like to thank June’s biggest referrer, Tipnut.com, who directed 164 readers to last year’s Building a Garage Sale Route With Google Maps.

As for my goals…. urk.
Goal #1: to exercise for 12 days consecutively. Nope. Six was my longest span; and I fell out of the exercise routine entirely at the end of the month.
Goal #2: to spend less than $100 on dining out. Also no. Lots of outings with friends this month.
Goal #3: To spend a half hour each day working on this blog. Well, I definitely didn’t spend a half hour each day, but I do feel like I moved it ahead, so I’ll consider it a success.

So my goal for July is going to be really simple: work on the LARP I’m writing daily. I don’t care if I do five minutes or an hour - I just need to keep it at the top of my mind so it will really be in top shape before Intercon I.

Budget Your Booze: Homebrewing 101, part 2

Posted by Lise on 27 Jun 2008 | Tagged as: diy

This is part two of a multi-part series on homebrewing. Part one is here.

Today we’re going to talk a little bit more about the hardware and software of the brewing equation, to borrow Alton Brown’s terminology. We’ll talk about how the ingredients in your basic homebrew combine to create different flavors; we’ll explore the stages of the brewing process, and we’ll tell you why cleanliness is so important in brewing. If you wonder who this mysterious “we,” is, by the way, it includes my husband, who helped to edit this blog series.

1. Understand the ingredients. One thing I didn’t understand before Matt began brewing was the ingredients. Sure, I knew hops and barley and yeast were in there, but I didn’t understand what they did.

Barley - in the form of malt (barley that’s been dampened and allowed to sprout) - is a fermentable sugar, and it’s the first ingredient in beer. It’s what the yeast eats. It also effects the darkness/thickness/chewiness of the brew. Guinness “drinks like a meal” because it’s heavy on the malt. Typically the homebrewer buys this ingredient in one of two ready-to-brew forms: cans of malt extract syrup, or dried, powdered malt extract. It is labeled by the level of color it will add (light, amber, dark). Homebrewers often also crush some whole malted barley to add flavor. It is also possible to extract one’s own malt syrup from barley, but increases the cost and equipment significantly.

Hops are a bittering agent that also adds floral notes. They’re irrelevant to the actual chemical process of converting starches to alcohol, but they were traditionally used a preservative, and have become integral to the taste we associate with beer. For example, India Pale Ale (IPA), one of the hoppiest brews out there, is named after the type of pale, hop-fortified brews that Victorian England would send to its troops in India - the hops were used to prevent spoilage on the long journey. Some connoisseurs of homebrewing love hoppy brews, but I am not such a fan.

Different types of hops have differing bitterness, or “alpha” levels. In some brew pubs you’ll notice that beers are listed with an “IBU” number beside them. This is the bitterness of the beer as measured in “International Bittering Units.” (Lower = less bitter). Keep in mind that you’ll notice hoppiness more in a lighter (less malty) ale.

Yeast eats the sugars and poop out alcohol and CO2. Different types of yeast, over the years, have been adapted for different types of brews. The homebrewer will often be using some type of ale yeast, which is a top-fermenting yeast. Lager yeast, a bottom-fermenting yeast, can also be used, but that won’t make the necessarily make the brew a lager - lagers are made in cool (refrigerated) conditions where they can age slowly. Not all homebrewers can replicate that.

Liquid pitchable yeast, purchased in a vial from a homebrew supply, is the best bet for the beginning brewer - dry yeast can be problematic.

Don’t forget water. Alton Brown recommends using distilled water; we use our own well water for our beer, with good results so far. If you have city water, you probably want to use bottled water of some sort.

You can use other ingredients, too - fruits, spices, different types of fermentable and unfermentable sugars, water conditioners, etc - but that’s beyond the scope of this article. Once again, I’ll refer you to Charlie Papazian’s amazing book, The Complete Joy of Homebrewing.

2. Understand the process. The first step in brewing beer is sterilizing everything - see “Keep It Clean” below. Once that less exciting bit is over, the first step is the wort (pronounced “wert”). The wort is basically a soup of all your brewing ingredients but the yeast - your canned mash, your crushed malt, your hops, and any other flavoring agents. Once it’s boiled for a while, you will add it to the fermenter - usually a large bucket with an air lock - and cool it to 90 degrees before adding your yeast.

The brew stays in primary fermentation for about a week before it’s moved to a secondary fermenter - usually a glass carboy with an airlock. Throughout these first two stages, I guarantee you’ll be watching that airlock like a protective babymama to make sure it keeps bubbling - a sign that your yeast is alive and working. It stays here another 10 days to two weeks before you move to the bottling stage.

It is also possible to do a single-stage fermentation, moving directly from wort to carboy to bottling (cut out the plastic bucket phase, as a carboy has superior airtightness).

At this stage your beer will be flat. Before you bottle it, you will need to introduce a new source of fermentable sugar to produce CO2, i.e. carbonation. If you don’t measure carefully, it will produce too much CO2, which is the leading cause of exploding beer bottles. You can reuse your own spent beer bottles for this step, but you will need to buy new caps and a hand tool to cap the bottles. Usually a beer will sit in the bottling stage for about 10-14 days, or as long as you can stand to go without tasting it.

3. Keep it clean. One of the most important, and yet most mundane aspects of brewing is dealing with the fact that you want SOME organisms to live in your brew, but not others. Yeast? Good. Other living things? Bad. Rest assured that no pathogens will grow in beer, but you can develop infestations of bacteria or competing yeast that will ruin a batch. This is why it’s important to sterilize everything that comes in contact with the beer (or at least everything that comes in contact with the beer after the boiling of the wort). Bleach solution is the best for sterlizing big items, like the the fermenters or bottles; vodka is usually recommended for small things like bottle caps.

You also need fermentation locks on your brew when it’s in primary and secondary fermentation. This allows CO2 from the fermenting sugars to escape, but a water barrier keeps air from getting in. Making sure that the fermenting containers are no larger than needed - thus reducing the amount of air in the container - also helps to keep unwanted critters under control.

All together now, I think I’ve outlined the basics of homebrewing - enough, I hope, that you’ll be able to decide if this DIY opportunity fits into your frugal lifestyle or not. In a follow-up article I’ll share some recipes for successful beers we have brewed and price them out accordingly.

Let’s Not Forget Depression is a Dirty Word

Posted by Lise on 27 Jun 2008 | Tagged as: economics, frugality, link love

I want to bring your attention to this thought-provoking article on Unclutterer, Depression-era mindset and clutter. While not in the frugality niche, per se, it struck a chord with me because it made me realize how disturbing I find the glamorization of Depression-era thinking in the frugality blogosphere.

“Frugality bloggers glamorize the Great Depression! Surely you don’t mean that!” But, come on, it’s everywhere. From articles that ask us to consider if a recession might really be a good thing, to Dollar Stretcher articles that talk about cutting the bad spots off half-rotten fruit because goddammit, our grandparents only got a single orange for Christmas, to that old saw, “Use it up, wear it out, make it do, or do without”… it’s clear that frugality bloggers believe that there is great wisdom in the mindset of people brought up in great poverty.

Let’s look at the other side of the equation, as Unclutterer has done. I’m sure it’s not a 1 to 1 correlation universally, but there’s a strong connection between that kind of thinking and hoarding. The down side of growing up with not a lot is that suddenly your mind switches into famine mode; everything that passes through your hands must be kept for the hard times ahead. “Well, what’s wrong with that?” Within reason, nothing. However, it is often coupled with an ingenuity that might lead such a person to refill ketchup bottles with ketchup packets from fast food restaurants or save butter wrappers to grease pans. Stuff builds up, because everything is potentially useful; in the end, this Depression-era hoarder ends up drowning in their own stuff, bereft at the thought of letting any of it go.

If you think I’m exaggerating any of this, imagine me, eight years old, spending my after-school hours and summers with my grandmother, born in 1925. She lives with my aunt in a tiny house that couldn’t even be generously called a “ranch.” It’s a single floor, cobbled together from spare lumber. There are two bedrooms and one bath off a central kitchen and living area; and a screened porch.

It’s a tiny space, and yet every spare inch is filled to capacity with: old newspapers, old TV Guides, my mother’s childhood toys, my childhood toys, clothes my grandmother bought at garage sales and never wore, clothes and other personal items my grandmother received as gifts and never used, and on and on.

Some of my unhappiest moments of that time revolved around my aunt’s attempts to clean. She did her best to keep the place manageable - she worked as a house cleaner, after all - but any time she tried to throw out, say, a stack of old and unread newspaper, my grandmother would yell and scream and cry and be totally lost. I still remember the blank look in her eyes when my aunt tried to do this.

I think the culmination of my grandmother’s hoarding behavior was that one day, I walked into her bedroom to discover that she had been saving the used urine test strips she used to manage her diabetes.

After my grandmother’s death, my mother spent months cleaning up all this crap, finding, among this, young children’s toys that my grandmother had bought as gifts to me but had never given me. My mother’s insight on this would be to point out an estate sale she once attended, where everything a deceased woman had owned - literally, everything - was thrown on the lawn to be sold. Dresser drawers had been upended, and the woman’s old ratty underwear were scattered in the breeze.

This is why I reject this kind of Depression-era thinking, even while being a frugality blogger. I think it leads down the road to hoarding; to a life remembered by crap no one else wants to clean up.

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