Mary Beth Writes

Just in case you thought I stopped paying attention to how to live cheap and well. 

1. For several months we have composted veg and fruit scraps - our weekly garbage reduced by half! We collect detritus through the day in a bowl on the counter, carry it out to a steel garbage can we brought from our last house. I’ve dug some of this collapsed organic stuff into the garden.

2. We saved tens of thousands of dollars in two weeks ago. Instead of flying to Machu Pichu in Peru, we drove to Cahokia by St. Louis. 

3. We reviewed our credit reports (2 people, 3 reports each, took a while) to figure out balances remaining on education loans we co-signed for our last two kids.  They are paying their loans but if something were to happen and we had to pay off those loans - what would that do to our retirement savings?  We decided to buy a minimal life insurance policy on one kid. We’ve told that kid what we are doing; we will own, pay for, and be the beneficiary of that policy. We hope to God this is wasted money.

This is what we learned while researching this.

Department of Education loans: co-signing parents would probably not be required to pay back those loans in the awful event one’s child passed away.

Loans from banks: it would be up to the bank. How much do YOU trust banks? 

Policies regarding student loans have changed a LOT in the last 10-15 years which is why the balance on co-signed loans is much bigger for one kid than for the other.

Just to be clear; the biggest financial risk when co-signing school loans is that your child won’t pay them back, at which point you will be on the hook for them.

4. A couple weeks ago I was rejected at the blood bank because my iron level was too low. Paid more attention to my diet. Went back last week, all is well. They gave me a free Wisconsin State Fair ticket each of those two times.  Do you think cream puffs have iron? 

4 ½. But those blood donation mini-physicals; I appreciate them. Knowing my iron is going down and my blood pressure in climbing up in a small but real trajectory – this is better health maintenance support than I get from my annual physical.

5. I paid $3 for an on-line app ‘Cronometer’. You enter what food you eat in a day and it tells you calories. BUT ALSO it tells you how much of your daily intake is fat, carbs, and protein.  It also lists what and how much of 70 different vitamins and minerals one ate that day. When my iron level was low, I started using this app diligently and discovered that many days I was eating less iron-rich foods than I needed to be ingesting. Even more enlightening to me, I was seldom getting enough Vitamin C, which is necessary to metabolize iron. I eat lots of fruit; I assumed all fruit has C in it, but I was wrong.

This pedantic adventure in learning I had low iron and then addressing it with better knowledge and a morning orange – like they say, “It’s the little stuff…”

6. Checked to see if we are on the list of 143 million Americans whose data was breached in the Equifax breach of 2017 – and are therefore qualified to apply for settlement money. We’re on the list. Took about an hour for each of us to complete the online form.  

7. There’s a particular restaurant where I meet friends several times a year; the place serves good food and lousy coffee. Since I usually drink a commuter cup of coffee in my car on my way to this place (its 45 minutes from where I live), it dawned on me to skip the $3 coffee. This is going to save me $12-15 annually. “The little stuff….”

Life is too short for bad coffee.

8. I got a free kazoo by marching in the Dousman (Frog) Derby Days parade with Democrats of my county. There were about 25 of us and we, um, provided a lot of entertainment and some music as we hummed patriotic songs, while walking in sweltering heat for an hour.  I cherish my new blue plastic kazoo.  


Of course, cream puffs have iron or something, right? You make me smile, Mary Beth! And, it is the little things that add up. I wish more folks realized that. I see so many train wrecks ready to happen. No Machu Pichu for us, either.

My eyes bugged out at that cream puff picture! Good read!

Excellent post, as always. It most definitely is the "little things!" Patricia/Fl

Add new comment


This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

7-6-2020 Mindful QUARANTINED Chickens

(Thanks, KJR, for the funny fluffy chicken photo!) 

Other people call them “frugal things I did lately”. I call them Mindful Chickens because they are about:

Making (a little) Sense of Medicare by Len Lamberg

Friends learned recently that they are facing imminent retirement with the accompanying medicare and insurance decisions - that have to be made now and made right. They asked how we figured out what to do. I asked Len if he could write up what he knows in plain English - and thought this would take him 20 minutes.

This took Len several hours over several days.

Our friends say this makes more sense than anything else they have read so far.

Mindful Chickens - Clucking at the Stock Market

I started this a month ago. Time flies…

Other people call them “frugal things I did lately”. I call them Mindful Chickens because they are about:

1. Being Cheap (cheap, cheep).

2. Being thoughtful about how choices affect our community and our earth.

3. Paying attention to values and values.

Big Shopping & Quick Shopping

Len and I are buying groceries differently than we used to and we are saving $100-250 per month doing so. If you know us, you will have noted that neither of us are any slimmer.  This is not about eating less.

Mindful Chickens - the "It's been a while" edition

Other people call them “frugal things I did lately”. I call them Mindful Chickens because they are about:

1. Being Cheap (cheap, cheep).

2. Being thoughtful about how choices affect our community and our earth.

3. Paying attention to the constant tumble of dollars and choices.


Mindful Chickens in Canada

In case you don't already know... My husband and I did a 15-day road trip to eastern Canada.  Kurt Vonnegut wrote “Unexpected travel is like dancing lessons from God.”  The plan was to visit Nova Scotia and Newfoundland – but then Hurricane Dorian changed that. Stories and photos at my website.

Other people call them “frugal things I did lately”. I call them Mindful Chickens because they are about:

Tag Cloud

9/11 17 minutes 500 Words AARPtaxes AAUW Acadia Accountable apples Arrows Augustine baby balance Baldwin Barkskins Beauty Becky Berry birthday bistro BookReport boy scout Bread BrokenDays BuyAngry Cahokia calendars Canada cello Choosing Christmas cilantro Cinnabuns circus clouds Clowns clutter Colonialism comet ComfortZone CommonSense consumerism Cops Corvid-19 Courage Covid-19 Crazy creditreport CrimeShows death Debate December DecisionFatigue decluttering Detroit Dreams Duty eBay Eclipse EmilyDickinson FairTrade farmer firealarm Fitness Five Flexible flu Fort de Chartres frame Franc FrancGarcia friends frugal Frugality frustration Ft.Ticonderoga Gannets Garden GarfieldParkConservatory Gaspe genius geode ghosts GovernorThompsonStatePark groceries Guatemala guns happiness HaveYouEver? Healthinsurance HelleKBerry heroes hike History home HomeRepair Honduras Hope HouseinBlueRiver hurricane impeachment Innkeeper integrity InternetPrivacy Interview InviteMe2Speak JoyceAndrews Judy JulianofNorwich justice Karen Lamb LangstonHuges LaphamPeak laundry LeeLeeMcKnight lemming Len Light Lincoln Little Women LockedOut Love Ludington Macaw Manitoulin MargaretFuller Maria Hamilton Marquette marriage Mayan MayaWorks MindfulChickens Mistakes Mother MothersDay mouser movies museums must-haves New York City Nomadland OscarRomero osprey Outside oximeter PastorBettyRendon Paul Hessert PDQ Penny persimmon poetry Preaching privacy Protest Quern quest Rabbit holes racism recipe recipes Remember Reruns responsetoKapenga Retirement RitesofPassage Roses Ruth SamaritanWoman Sanctuary Sandhillcranes SaraRodriguez sculpture Sermon ServantsoftheQuest sewing Shepherd Shontay ShortStory sick sickness snow Social Security SofritoBandito SpaceShuttle spring square feet staining Stereotypes StoryStarts Survival swim taxes teenager Thanksgiving ThePerpetualYou ThreeBillBoards TidalBore TimeBeing toddler Tom tortillas Trains travel Traveler Tubing turtle UnrelatedObservations urgency vacation Valentines vanilla Vietnam VivianWokeUpDrowning vole WalkingAndSeeing Wampanaog war WarsanShire weather weaving wedding WhyAttendChurch WillaCather
Ad Promotion