21 Day Spending Fast – Weekend Read

In January of 2015, a few months before I started this blog, I decided to do a spending fast, based on the book The 21 Day Financial Fast by Michele Singletary. Last year I opted not to do the fast, but this year, since I’m on a fixed income of sorts, I’m going to give it another shot. Since there are so many other things I want to talk about this month, I’m not going to log the daily journey, but I’ve copied and edited excerpts from my 2015 Facebook posts below.  It’s my hope that you will find it somewhat entertaining and inspiring.  Typically I don’t post anything this long on the blog, but feel free to read it in snippets or as a long weekend read.

Day 1 of the Financial Fast was easy – it’s really easy not to spend any money if you don’t leave the house! I’m vacationing in Arizona so it was a day of rest and relaxation interrupted only by a walk on a trail to a nearby park.

Day 2 of the 21 Day Financial Fast: I’m still in Phoenix and there are all kinds of fun things to see and do here. Since I knew I was going to be doing the fast, I researched what we could do for free. I did this all the time when my kids were little (and it was much harder then because there was no Internet!), but I haven’t done it in a long time. We went to see Sahuaro Ranch in Glendale. We walked around the grounds and I learned a lot about the crops that were grown here and about life on the ranch. We even got to see a wedding that was happening in the rose garden! Since there was no admission, day 2 happened without any spending.

Day 3 of the 21 Day Financial Fast: I flew from Phoenix, AZ back to Michigan today, along with about a million other people. My sister was so sweet to pack me a lunch so I could eat it on the plane. In addition to the fast, I’m also one of those crazy environmentalists, so I had my refillable water bottle. Most airports have a dispenser by the water fountain so you can fill your bottle before you get on the plane. Yes, it did require a little planning and I had more stuff to carry, but it is possible to travel without spending money on exorbitantly priced food and water.

Usually when I’m in the airport I will walk through a store or two, especially if they have toys that I might want to buy for my grandkids. I purposely avoided that today – a week after Christmas, there’s certainly nothing else they need right now.  I did have to put gas in the car on the ride home – $23.50.

Day 4 of the 21 Day Financial Fast: I drove back home to Nashville today. My aunt sent food home with me and I brought water so my only spending today was for gas.

Today’s topic in the book is tithing. I’ve been tithing for several years now and I occasionally give an offering so I was feeling pretty good about myself! But then I realized that even when I was pretty much broke and on the verge of bankruptcy, I had food to eat, clothes to wear, and a place to lay my head at night. So do I actively look for ways to bless people? Umm . . . Or give sacrificially trusting that God will provide for me? Uhhh . . . Guess I have a little work to do here.

Day 5 of the 21 Day Financial Fast: Ah, Sirius, how I have loved you! We have traveled many miles together and I have enjoyed your company immensely, your commercial free programming, your myriad of stations to choose from, the way you are always there for me even when I’m driving through remote places. But today’s topic is entitlement. I really, really tried to justify my NEED for satellite radio. I travel a lot. It’s commercial free. I listen to Christian music on The Message. But truly, there’s no way I can justify $200+ a year. Sure, I was given the option to change to a more affordable subscription and I really wanted it. But I stood fast on my decision and kept saying no thank you. And for the price I pay for my semi-annual subscription, I can support several of my favorite artists by buying their albums.

Day 6 of the 21 Day Financial Fast: Today’s chapter was about contentment and cleaning your house. Literally cleaning out every room in the house and looking at all the stuff. I’ve been on a purging binge over the last couple of months and here’s why. Three years ago everything I owned fit in a van. And I didn’t own the van! I bought a car and filled up a one bedroom apartment. Then I moved to a two bedroom apartment and filled that up. On a recent flight I passed the time by making a list of every possession in my house. It was a long list. But none of those things offer happiness or contentment.

I am incredibly blessed by the things that do bring me true contentment. My kids, their wives, and my grandchildren, my siblings and my aunts and uncles and cousins, too numerous to mention by name, my job, the awesome people on my team, dear friends that are always there for me, and a ridiculous dog that wants to play ball 24 hours a day. Just thinking about all these people as I type puts a huge smile on my face.

I’m going to keep purging things. I want to spend my time hanging out with people, not cleaning and shuffling all my stuff around. I like the freedom that comes from living a simple life. And at the end of my life I hope people remember me for the great times we had together and not for all the stuff on my long, long list.

Day 7 of the 21 Day Financial Fast: Today’s topic is budgeting. Now, I’m somewhat odd, because I love spreadsheets. And spreadsheets are great for budgeting. So great, in fact, that I’ve had a budget for every year since 2003. Yay me, right? I can tell you what I’ve spent in every category in my budget for over 10 years! And I always balance to the penny due to an awkward perfection gene that runs in my family.

Looking at those dollars is pretty sobering at the end of the year – sometimes it’s good, sometimes not so much. This year I realized that I spent over $5000 on food. Mostly for myself. Because I really, really like food! And I like to buy it directly from the farmer at the Farmer’s Market or from The Turnip Truck, an awesome grocery store here in Nashville. I picked 42 pounds of peaches this summer along with assorted other fruit. I even bought half of a pig this past November. But here’s the thing. I have a lot of food in my house. I can probably go for several months without buying much. And that’s what I’m going to try to do. I’m going to see how long I can go without buying food at the grocery store. It means giving up some stuff, stuff I really like, but the truth is that I will still be far more well fed than 90+% of the population. And I hope at the end of the year that line item on my budget will be much more in line.

Day 8 of the 21 Day Financial Fast: I’m a third of the way through the fast and so far I’ve stayed the course. Today’s topic is saving. It’s funny – we all KNOW we’re supposed to save but very few of us do. As much as I’ve wanted to do the right thing, I rarely have. I could give you a lot of excuses, but to be honest, they’re all lame. I got paid today so I took Michelle’s advice and only a little reluctantly put 5% of it into my savings account. It wasn’t very exciting – no feelings of happiness and pleasure like I get from buying an antique or a new book or CD or something fabulous to cook and eat. But maybe that’s a good thing. I need to remember where true joy comes from and it’s not from stuff I buy with money. No more excuses, it’s time for change.

Day 9 of the 21 Day Financial Fast: Today’s topic? Investing! Yea!! I definitely would have preferred to take a skipsies on this chapter. I got started investing late in the game (as in just a few years ago) and it seems like every time I turn around I see some ad asking if I’ve socked away enough for my future. In a word? No. So I’m probably going to be working until I’m 87. I was supposed to go on the internet, login to my account (did that and the same paltry sum was in there) and check out some investing sites (not gonna do it – c’mon, it’s Friday night!). So to appease my guilt at not following the plan I cleaned out two drawers and two cupboards in my kitchen (see Day 6). Now I’m going to play with the dog so she stops putting her head in my lap, read some FB posts, and read a book that doesn’t make me think about stuff I sometimes would rather ignore.

Day 10 of the 21 Day Financial Fast: Money and Marriage is today’s topic. It seems like every marriage has a saver and a spender, right? All I can say is that if you’re married and you haven’t completely merged all of your accounts and you aren’t completely transparent about your finances, there might be problems. Okay, there WILL be problems.

It’s Saturday and on Saturday I usually load up the dog and we run errands – grocery store, pet store, thrift store, maybe an antique store. It felt pretty odd not to do those things. I did go to the library to borrow a movie, though. It’s free so I thought it would fit into the fast. 

I also did more purging today – this time tackling the bedroom closets. Since I purged a few months ago, there weren’t too many things to put in the donate pile. Then I dusted the dressers and decided that I’m done dusting a bunch of stuff that doesn’t really have a purpose and that stuff went into the donate pile. Now the bedroom looks much neater but my spare room is filled with piles of stuff!

Day 11 of the 21 Day Financial Fast: Today’s topic is talking to your kids about money. I will have to let my boys say how successful I was at this. I did talk to them about budgeting – even made them come to a Financial Peace course I taught! They were in High School at the time and I’m not sure they really appreciated it. In my experience knowing the right way to handle money and actually handling it that way are two different things. We live in a seductive world that’s always trying to get us to buy something and it’s really hard to resist it.

I think this is the longest I’ve ever gone without going to the grocery store in my adult life. I’ve had to plan a little more when it comes to meals and what I come up with isn’t always a favorite, but it feels good to be deliberate about it. Of course, it’s easy to say that now because I’ve got a bag of chips stashed in the cupboard. I may be singing a different tune in a couple of weeks!

Day 12 of the 21 Day Financial Fast: I’m halfway through the fast! Today’s topic is debt. I don’t have anything good to say about debt. I’ve been on both ends of the debt spectrum and I can tell you that debt free is hands down the better choice. In December of last year, I read a fabulous book by Bill Hybels called Simplify. On page 103 of the ebook version he says, “Debt comes from wanting more than God’s provision for your life and arranging other ways to get it.”  Yikes! I never thought about it that way before – “hey, God, thanks for making me richer than 80% of the world’s population so I never have to worry about being fed and warm, but that’s not quite enough for me so I’m going to take things into my own hands and get some more stuff, m’kay?”

Day 13 of the 21 Day Financial Fast: Today’s Chapter – The Curse of Credit. I’ve been without a personal credit card for about 2 years. I’m not gonna lie – it was a little scary – it was my safety net! There are a few things that are a little challenging without one, like renting a car, but my life went on without any ripples. The thing that struck me most about this chapter was this statement by Michele Singletary: “Researchers have found that people’s willingness to purchase more products or services increases with the use of plastic.” That’s been true for me – it doesn’t matter if it’s a store credit card or a Visa or MasterCard – I don’t think about how much I’m spending because I don’t have to deal with it until the bill comes. When the bill comes it’s just like other monthly payments – I don’t think about the individual transactions, it’s just another monthly bill.

I’m very curious to know how many of the people I know live without personal credit cards. It’s a very odd thing to be without one today, when we know we shouldn’t leave home without it. The most ironic thing about all the credit cards I’ve had in my lifetime? It’s likely that I no longer have any of the stuff I purchased with them. How important were those purchases when I don’t even have them anymore?

Day 14 of the 21 Day Financial Fast: Today’s chapter is about co-signing. Whew, I’m good on this one – I’ve never co-signed on a loan for anyone except my spouse. I’ve signed on a lot of loans, though, never really thinking about how much less I would have paid if I’d saved the money and paid for it up front. Even though I know it’s possible to live life differently, I’m not sure I could save up for a big ticket item like a car or a house. That would take a lot of discipline and I’m not sure I could be that patient. I mean, I don’t need immediate gratification, but the thought of having to save up for YEARS to buy something, that would be hard.

There’s only a week left of the fast. So far I’ve given my tithe, saved some money, gave some money away, paid my car insurance, and filled the car with gas a couple of times. This weekend will be the true test as it will be the second Saturday with no grocery shopping and I’m having to get more creative with meals. And as the daughter of one of my best friends used to say – “there’s nothing to eat, there’s only ingredients.”

Day 15 of the 21 Day Financial Fast: Today’s topic is greed. My instant response was, hey, I’m not greedy, I don’t even like stuff that much! But Michele insisted we think about all the items that are in our cupboards and our closets and our garages and our storage units . . . and then she said “In 2007, nearly 1 in 10 US households rented a self-storage unit.” According to the SSA (Self Storage Association)website, the self storage industry in the United States generated more than $24 billion in annual U.S. revenues in 2013. That is a lot of stuff! I confess that at one point in my life, I was one of those US households. I’m sure I paid more in storage fees than any of my stuff was ever worth. Even though I’ve been purging the last couple of months, my cupboards, drawers, and closets are still full of stuff. Not full to overflowing, but full none the less. The purging must continue!

The other point in the chapter was that we often times try to get rich quick by playing the lottery, making risky investments, etc. It’s tempting to spend my time thinking about ways to earn money without having to work much, trying to come up with that brilliant idea that will make me wealthy. Much to my disappointment, I haven’t yet had that revelation. And I think that’s because it’s not how God intended it to be. I am supposed to use my gifts and talents to help others, to be a good steward of everything I’ve been given, whether it’s time or money or my stuff. This fast has reinforced that I just need to do the right thing every day – tithe, give, don’t buy stuff I don’t need, don’t go into debt, and save a little from every paycheck.

Day 16 of the 21 Day Financial Fast: Today’s chapter is about Caregiving. First assignment? Research Long Term Care Insurance. My first thought? It’s so unfortunate that I did not plan ahead and stock up on adult beverages before I started this fast. Sigh. So I went to www.naic.org and www.medicare.gov and even www.longtermcare.gov to check out my options. Yeah, not even a big glass of wine could have made that more interesting reading. Here’s what I’ve decided for now. I am going to do everything within my power to stay healthy, eat right, exercise, try to get more sleep. But if my good health fails me, I trust that my boys will be fighting over me to see who gets to have me move in with them. I’m officially crossing the first assignment off the list. Boys, please break the news to your wives.

Second assignment: Talk to your parents about their care. I am extremely blessed that both of my parents are still living. Last year my Dad had a stroke and though he’s doing well, his recovery is ongoing. It hasn’t been easy for either parent to adjust to all the changes in their lives and all us kids aren’t really sure of the best way to help. It’s awkward to have this conversation, I think mostly because it means I have to acknowledge that they will not always be here. I’m not sure I’ve ever had a money talk with my parents so it will be pretty uncomfortable when I force myself to do it in a few months. Maybe I’ll see if one of my sisters will come with me on the visit . . .

Day 17 of the 21 Day Financial Fast: Today’s chapter is about peace, Financial Peace and the peace that goes with it. I’ve spent a great deal of my life worrying about money. I’ve been rightsized a couple of times and it’s not a comfortable position to be in. I made bad choices and fretted when I had to experience the consequences. While I was mentally reviewing these times in my life, I realized something. When I was doing my foxhole prayers, praying that God would rain down large sums of money (that never happened) to solve all my financial woes, he was meeting my needs in a completely unexpected way. During all the most difficult times he provided a friend, a sister who walked along side me through the darkest days. Whether it was a buddy to ride bikes with or friends to join me on my two hour daily commute or a trip across the country, or share food stories after a grueling workday, or someone who could make me laugh until tears rolled down my cheeks, he made sure I had someone to help carry my burdens.

Day 18 of the 21 Day Financial Fast: The last few chapters of the fast are about attitudes and feelings about money. I think I’ve sorted through most of mine, but it’s still hard for me to spend it on myself, especially if it’s something expensive. I usually have to research and ponder and pray before I pry open my wallet.

I’m trying to have fewer feelings about money and instead use it as a tool, as a way to vote. I know that sounds a bit odd, but here’s what I mean. I haven’t given up on our political system (yet), but I often find that our legislators don’t always seem to value the same things I do. So I vote every time I spend money. When possible I support small businesses and not big corporations. I buy direct from farmers. I eat at restaurants that use organic ingredients and sell grass fed beef and free range chicken. I buy things made in the USA. I buy used instead of brand new to try to cut down on all the resources that are used to create new products. Wanna join me? Maybe we’ll start a revolution.

Day 19 of the 21 Day Financial Fast: Today we’re talking about Stewardship. Here’s the part that hit me hard, ” . . . one day you are going to have to give an account of how you managed the resources entrusted to your care. Could you defend your actions and provide proof that you managed your time, talents, and treasures in a way that glorifies God?” C’mon Michele! So yeah, there are a lot of things that I can’t defend let alone give proof. I didn’t manage things well, I spent time doing stuff that doesn’t matter and a lot of money on stuff. I had a really, really nice truck and a really nice boat and none of that brought me one step closer to God.

I spent a lot of time today going through my stuff and purging. How many summer shirts does a person need? When I laid them all out, I had 13. Probably too many. What’s the right number? That’s just summer – I’ve got fall/winter as well! So far I have 12 boxes of stuff to donate, give away, or sell, not including the box and giant bag of stuff I dropped off at Goodwill today. Giant as in the guy had to roll out a cart to put it in. Despite all the sorting and purging, I still haven’t gotten through every drawer and cupboard.

I’m not beating myself up for the past, though. I’ve learned a lot over the last couple of weeks, about myself, about how I spend my time and money and what things I want to do differently moving forward. When it comes time to give an account, I’m going to say it took me a while, but I finally got it!

Day 20 of the 21 Day Financial Fast: The fast is coming to a close so hopefully the hardest chapters are behind me! Today’s topic is Relationships and the assignment is to contact someone you normally exchange gifts with and agree that instead of exchanging gifts, you will spend time together instead. I’ve never been much of a gift person – my love language is quality time – so this really appeals to me. I agonize over buying gifts for people who seem to have everything they want or need. If you typically exchange gifts with me, you should expect an email.

Money can cause a lot of problems in relationships, which is really unfortunate. I wish I had something brilliant to say on that subject, but my expertise is really more of a story of what not to do. I leave the topic to the expert – everything we need to know about wise stewardship is in the Bible. Even if you’re not a believer, I promise you that you will not go wrong if you follow what it has to say on the topic.

Day 21 of the 21 Day Financial Fast: Today is the last day of the fast and I’m a little sorry that it’s over. I’ve enjoyed the challenge of making due with what I have on hand and really thinking about what’s a want and what’s a necessity. In this last chapter called Financial Freedom, Michelle says this: “The point of this financial fast wasn’t to set you up financially to acquire more things. It’s to help enrich you so that you can bless others – in your family, in community, and in the world. That’s the purpose of prosperity – to help others.” That’s exactly what I wanted to accomplish from doing the fast.

Today’s assignment is to calculate what I’ve saved by not spending. I don’t have a dollar figure yet, because I’m going to try to go to the end of the month without buying any groceries. It could be an interesting 10 days! I sure hope my supply of chips lasts! I’ve been limiting myself to 10 per day for the last two weeks! Whatever I end up saving, I’m going to donate to an organization that helps to feed the hungry.

I’ve been incredibly blessed to have my aunt take this journey with me for the last 21 days. It’s been great to have someone to encourage me and help me to be accountable. The last assignment is to encourage at least one other person to go through the 21 Day Fast.

January 31, 2015.  I made it! I got through the entire month without spending any money other than on necessities. I had to go to the grocery store to get dish detergent the day after the fast ended and my accountability partner approved a stop at Panera for bread so I could take it to a get together last weekend, but otherwise I’ve lived off the food in my cupboard and freezer. I have had some preeeeetty interesting meals. I had to limit myself to 10 chips a day so the bag would last the whole month. A huge thanks to everyone who gave me food or chocolate for Christmas! It was very much appreciated and made it much easier to get through the fast! I am looking forward to grocery shopping next weekend and having some fresh veggies and some of my other favorites that I’ve missed over the last month.

Retirement – Day 1

When I announced I was retiring, the most common thing that people said after, “I’m jealous,” or “I wish I could retire,” was “What are you going to do on Monday morning?

As is so often the case, things don’t always go as planned.  When I woke up at 5:00 am, it was not because I’m tuned in to the rhythm of work, it’s because the cold that’s been hovering on the periphery for the last three days has reached it’s peak – my throat is sore, my head is congested, and simply put, I’m sick. 

At 7:30 am, I crank the electric blanket on high and head outside so Hannah can take a break.  She is completely oblivious to the fact that it’s a mere twenty-three degrees outside.  As she runs back and forth around the front and back yards, I push my hands deeper into my pockets.  I’m surprised to see some of the chickens outside of their coop – surely they should be inside snuggling.  The rest are eager to get out as well – apparently I’m the only wimpy one here at the farm. 

After filling Hannah’s bowl, I climb back in bed – so warm and toasty – and get back to my book, Roots & Sky: A Journey Home in Four Seasons, by Christie Purifoy.  It’s the perfect read for this season in my life and I’m enjoying Christie’s journey as she moves into an old farmhouse called Maplehurst. 

Finally it’s time to leave the comfort of my bed to make some porridge from steel cut oats.  This is a luxury that never happened on work days – it takes thirty minutes to cook, plus time to let it cool until it’s just right.  As I sip lemon and echinacea tea, I feel a wave of gratitude that I don’t have to go to work and power through the sore throat and sniffly nose as I navigate phone calls, meetings, and email.  While going to work sick was not required or even expected, it’s what I did more often than not. 

The beauty of co-housing and community is that every task is easier, lighter, because there are so many people to share the load.  There are six adults and two littles cleaning, decorating, and setting up for the upcoming Thanksgiving celebration. There is even time for sipping several cups of imaginary tea with my little cousins.  Hannah has joined in the fun, she’s found a rope toy and a ball, and best of all, someone who’s willing to throw it over and over.  She also ate a small amount of play dough, but it was the home made kind and I’m sure she’ll be fine.  Much better than the rabbit carcass she found the day before . . .

We’re settling into this new life, Hannah and I, and it feels good to take things down a notch.  There are still things to do, but things don’t feel urgent or insurmountable, they seem manageable, at least for today. 

My aunt trash talks me until I agree to try some fire cider that she put in a jar to ferment three weeks ago.  The smell alone is enough to clear the sinuses!  It looks deceptively like orange juice, but it tastes a lot like pickle juice. After adding honey, I down a couple of shots and really do start to feel better.  Let’s hope that this evil cold is behind me so I can enjoy Thanksgiving sniffle free!

30-Day Mins Game – Day 7

There is a stack on my desk, a stack on my night table, a stack on my dresser, a stack on my end table, and a stack on my other end table.  There are softcovers, hardcovers, leather covers, books in every size, shape, color, thickness, and covering a variety of topics.  Oh, and there are some on the bookshelf, too.

Most of the ones in this stack have been read, but sometimes I end up with so many that I need to go through and winnow out the ones that I keep passing over in favor of another with a more intriguing title or cover design.

Books - Day 7

While I don’t remember actually learning to read, reading books has always been a favorite pastime.  In the summer, I couldn’t wait for the Summer Reading Club at the library – going there week after week and picking up novels or biographies, or how to books to devour and then getting a prize for something I would have have done anyway!

There are certain authors that I stalk watch faithfully to see if they’ve published anything new.  Though I’ve never camped out at a bookstore waiting until midnight to get a book when it goes on sale, I have put my name on the waiting list at the library so I don’t have to wait too long to read it!

Now that I have an iPad and can access ebooks from the library without even leaving my house, you would think that I wouldn’t need to have physical books anymore.  Let me assure you, this is not the case.  While I do about seventy percent of my reading digitally these days, I still love how it feels to hold a book in my hands, to tuck a bookmark between chapters because I really need to get up and do something else, to clasp it to my bosom with tears rolling down my cheeks, so sad that it had to end because it was just so good!

Giving away books is easy because I want other people to read them, especially if it’s something I’ve really enjoyed or that felt life changing.  There aren’t many books I feel compelled to own these days, though there are a few that keep surviving each round of purging.  In fact, I can’t think of any book that I’ve given away or sold at a yard sale that I wish I had back.  Though I sometimes think I will read a book again, there are always so many new ones to read that it rarely happens.

Do you have books on your nightstand and bookshelf right now?  Do you give them away or keep them?  Please let me know in the comments.