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Search Results for: stuff

Cloud – You make my heart bleed.

04/14 by The Frug Leave a Comment

All of your important data is already in the cloud, so embrace the danger.

The danger includes all kinds of things, bank and retailer screw ups, social media profile hacks, some sort of monthly bug or attack like last week’s Heartbleed.  My prediction, in the future they’re going to start naming these digital bug storms like hurricanes.

A few months ago, I was trying out the much-maligned healthcare.gov site, mostly out of curiosity and to make sure we’re getting decent rates on our healthcare costs.  I waited until all the initial complaints about the website had died down to give it shot. The experience wasn’t bad, but as I was putting in my entire family’s Social Security numbers, and a ton of other information, I realized just how much data we all have in the cloud.

asleeep

If you have a bank account, use a credit card, email or file your taxes electronically, most of your important data is already in the cloud.  What is the cloud?  It’s a server in a data center, most likely secured behind a steel door guarded by an entry-level member of the nightwatchman community. It really doesn’t matter how many steel doors or security guards they have because that’s not how people break into these facilities. The real security guards are the coders and often former hackers these companies hire to keep bad guys, bugs, and viruses from visiting the server from the other side of the world.

When the term cloud computing became popular many of the major hosting companies just added the word cloud to a lot of their existing server packages – “boom” we are in the cloud and so are you.  We’ve all been in the cloud for a while.  The cloud is not going anywhere, sort of like this past winter.

You can’t hide from the cloud

There are entire books written about becoming digitally invisible and they have very little to do with deleting your social media profiles.  Many of them have titles like “how to disappear” and involve living on a deserted island and spear fishing for survival.  Most of the people who are reading these books have much bigger problems than someone snagging their debit card number and pin from the Target database. [Read more…] about Cloud – You make my heart bleed.

Filed Under: Work Lean Tagged With: apps, Frug Hacks, Frug Rants, The Frug recommends, work lean

Save Money by Living an Experiential Lifestyle.

03/14 by The Frug Leave a Comment

lefrugSee More Stuff, Don’t Buy More Stuff

Last week, I went to a free photo exhibit at the National Gallery around lunchtime and hung out there for several hours.  At some point late in the afternoon, I got a text message from my boss, SuperK wondering where I was. I was seeing more stuff.  I recently attended a conference in Barcelona. I got a early start each day but I put a giant X across the daily conference activities between 1 and 5 PM. I was in Barcelona, after all, and I needed to see more stuff. Seeing more stuff is very important. I think of it as recharging my creative batteries. My one caveat is that I see more stuff, not buy more stuff.

It’s all about your location

The secret to seeing stuff instead of buying stuff is all about the location, and I don’t just mean while traveling. Over the last few years, SuperK and I have been using Amazon Prime, in place of visits to Costco and cutting back on visits to big-box stores. This really works. Even for a very frugal person like myself, it’s hard to walk into a Target or a Costco and not spend over $50. And for someone like SuperK, that figure is more, much more. For some reason, the shiny displays and super deals trigger some I’m going to miss out if I don’t purchase this now and hoard it reflex. You’re guaranteed to come home with extra stuff.  Plus going to malls and big-box stores makes me hungry AND gives me hives so there are health benefits  to skipping the trip as well.

Just Skip It.

I used to run to Home Depot every couple weeks. I would take the boys and they would play with the vacuums and grills, knock over some stuff.  And guaranteed I’d end up with more stuff. At one point, I had four separate toolboxes, not kidding. I am still working on getting rid of all this stuff.  An excellent solution I’ve found is to just not go to Home Depot at all. I just skip any home repair that would involve a visit to the hardware store and go for a walk in the woods instead. In the rare instance of some sort of repair emergency (last weekend’s toilet implosion) I visit a small local hardware store and take advantage of their knowledge and customer service to learn something while I also support local business.

If I need something, I now take a hunter’s approach.

  1. I need furnace filters, an item that is absurdly overpriced especially in small quantities.

  2. I jump on Amazon Prime and search my past orders which are auto saved by size, brand, price and rating. No more scribbled lists.

  3. Quickly paste the item name into Google and click “shopping” above the search results to make sure I am getting a great price on Amazon, then pull the trigger. Total time invested – 5 min.

  4. I keep a running list saved in Amazon so I can batch or group my purchases together when necessary. All Amazon Prime items ship 2 day air for free, some other items ship free as part of a larger order.

Done. In the past, buying these filters would have necessitated jumping in the car, sitting in traffic, trying to park, looking at power tools, etc……….If you put a $ value on your time and add the extras like gas, and impulse purchases, the hunter’s approach for stuff you absolutely need makes a lot of sense.

SuperK has spent the last month or so testing this “stay out of Target” theory. She’s confirmed that reducing the total number of visits to malls and big-box stores will save you more money than any sale coupon or circular ever could. The less stuff you see, the less you buy.

So, here are a few more ways to live a more experiential lifestyle and save time + cash.

  • Stop running to the store the very moment you need something. Do without, skip the chore, skip the errand and go for a walk instead.  Your family will survive without duct tape for a day. Your house will still be standing a month from now even if you don’t buy those filters right now.

  • Go for a walk with your kids or significant other and talk about what you see. Have a conversation instead of buying something.

  • Nasty outside? Go to a public gallery, museum or library, you’ve paid for them!

  • Clean out your closet, garage, basement. You’ll find something you lost and something you’d like to give away.

  • Play with that Frisbee you found in the closet. It’s been a while.

  • Work from home at least a few days a week. This will keep you out of random places like gas stations, convenience stores, coffee shops, and lunch buffets.

  • If you’re stuck in a store some reason, practice delayed gratification by putting that purchase off for a few days. Most likely you’ll forget about it.

  • Skip the trip Use Amazon Prime you can also add Smile.Amazon.com and a percentage of every purchase goes toward your favorite charity.

Here are three related books and posts on:

My one year experiment with Amazon Prime

Working remotely Remote: Office Not Required

Valuing your time The 4-Hour Workweek, Expanded and Updated: Expanded and Updated, With Over 100 New Pages of Cutting-Edge Content.

Frugality and Valuing your Time Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money

I’d love to hear what helps you see more stuff.

 The Frug

 

Filed Under: Live Lean Tagged With: family of four spending, Frug Hacks, Frugal, saving money, Saving time, The Frug recommends

Bootstrapping Your Life. How a low overhead lifestyle will make you feel 25 years younger.

03/14 by The Frug Leave a Comment

Bootstrap Your Life-001

What is Bootstrapping?

In my work life, I have bootstrapped two companies. Essentially that means bringing them to life and growing them from operating revenues with no outside investment. The biggest advantage of bootstrapping your own company is that you maintain control over decisions without the outside influence of venture capitalists or investors. The downside is the risk to the entrepreneur’s personal finances.

To minimize this risk, bootstrapped startups minimize overhead expenses so that revenues can be put to work efficiently. Overhead expenses for a service-based business could include expenses such as rent, utilities, and insurance. Even as the company grows, profits need to be reinvested and emergency funds need to be established for the inevitable lulls in business, shit storms and occasional outright chaos that comes with the territory. [Read more…] about Bootstrapping Your Life. How a low overhead lifestyle will make you feel 25 years younger.

Filed Under: Live Lean, Work Lean Tagged With: bootstapping, financial independence, Frug Hacks, Frugal Business, live lean, work lean

A Salute to Digital Nomads.

02/14 by The Frug Leave a Comment

What we can all learn from the guy living in a van down by the river.

by Brad Beckstrom

the frug digital nomads

It was around 2008 when I first started reading about digital nomads. The economy had tanked and a lot of people were out of jobs. The world had changed, and many were seriously questioning their commuter / cubicle / consumer lifestyles. They still are. Enter the digital nomad.

For the uninitiated, digital nomads are folks who leverage digital and wireless technology to work and create outside of the traditional work, school, office environment.  A digital nomad can come in many flavors: The travel writer who travels globally on $50 a day, a suitcase entrepreneur running a cloud business from a laptop, a couple crisscrossing the globe in a sailboat.

I once considered the sailboat option, but quickly realized that someone who loves spending time on the water doesn’t necessarily translate to someone who wants to live on the water full time. Often, digital nomads are just locals working in a library or coffee shop or at home, while doing what they love: writing, surfing, cycling, creating, hanging out with their kids.  You might even find them in a (kick ass camper) van down by the river, publishing books on kickstarter, creating photography about a movement.

Screen Shot 2014-02-14 at 9.59.33 AM

What I’ve found is that actively pursuing dreams often leads you down unknown paths. Researching life on a boat, writing this blog, led me to discover many of the digital nomads I’ll share here. The journey often begins by looking in, before you look out. I’ve also discovered the many distinguishing traits these nomads share. Traits that anyone regardless of age or station in life can aspire to.

These are real examples and I’ve included links to their stories at the end of this blog post with hopes you’ll read that far.

  1. They are frugal.  Make no doubt about it, if you’re going to travel around the world on $50 a day or semi-retire to do your own thing at 30, you’re probably pretty frugal and have been working at it for a while.

  2. They are minimalists.  If you’re going to run a business out of a suitcase or travel around the world owning less than 50 things, there’s a pretty good chance you learned how to live with a lot less stuff quite some time ago.

  3. Wanderlust.  They’ve got it. This doesn’t necessarily mean full-time world travel, it can be something as simple as someone who works from home so they can bike, surf, hike or  disappear in the mountains for a few days.

  4. They have plans. They may not know exactly where they’re going next, but they know how to take the crucial first steps and START.

  5. They think differently. They don’t wait till retirement to do amazing things like quitting a job on Wall Street to build windmills in Africa and inspire others to do the same.

  6. They have what I call “creative ambition.” The powerful desire to create something everyday and put it out into the world without the concern of always getting paid.

  7. They are misfits, living anything but average lives in exhilarating and unconventional ways.

So here is my list of a few Digital Nomads I’ve discovered. They’re Vagabonds, Dreamers, Entrepreneurs, Minimalists, and Misfits with a passion for the frugal lifestyle on the road and around the globe. This list is just getting started. You can find it and add to it on list.ly

Headline for Digital Nomads
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Brad Beckstrom Brad Beckstrom
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12 items   28 followers   2 votes   3.78k views

Digital Nomads

Listly by Brad Beckstrom

A List of Digital Nomads, Vagabonds, Dreamers, Entrepreneurs, Minimalists, and Misfits with a passion for the frugal lifestyle on the road and around the globe.

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Pursuit of Everything

Feb 13, 2014 - aj-leon.com - 452
Pursuit of Everything

The Pursuit of Everything (POE) project is a website I launched on August 16, 2012 (my 30th birthday) to publish my writing about living life deliberately, doing work that truly matters, and changing the world.

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Nomadic Matt's Travel Site

Feb 13, 2014 - nomadicmatt.com - 407
Nomadic Matt's Travel Site

My name is Nomadic Matt and I’ve been traveling the world since 2006. Growing up in Boston, I was never a big traveler. I didn’t take my first trip overseas until I was 23. Outside a cruise and college trip to Montreal, I had no travel experience. After college, I got a job and the standard American two weeks a year vacation. I wanted to use that time to travel. After all, it was vacation time, right? So for my first trip overseas, I went on a tour to Costa Rica.

That trip changed my life.

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The Art of Non-Conformity

Feb 13, 2014 - chrisguillebeau.com - 400
The Art of Non-Conformity

I write, travel, and help people take over the world. This site hosts The Art of Non-Conformity blog and the diary of my travel adventures in every country in the world. If you're dissatisfied with conventional beliefs and want to do something remarkable with your life, I'd love to welcome you to the revolution.

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Go Curry Cracker!

Feb 13, 2014 - gocurrycracker.com - 406
Go Curry Cracker!

Go to school. Get good grades. Get a good job. Buy a house. Work for 30+ years. Be a consumer. Retire on a golf course.

For many, this is the recipe for success. But life has more to offer those willing to change the ingredients.

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The Minimalists

Feb 13, 2014 - theminimalists.com - 510
The Minimalists

Joshua Fields Millburn & Ryan Nicodemus write about living a meaningful life with less stuff for 2 million readers.

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Live and Work Awesomely - The Perpetual Vacation

Feb 13, 2014 - theperpetualvacation.com - 440
Live and Work Awesomely - The Perpetual Vacation

Life is better when you enjoy your work. Our time here is precious, so why live it in fear and devoid of meaning? Join our quest to live and work awesomely.

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The Suitcase Entrepreneur

Feb 13, 2014 - suitcaseentrepreneur.com - 542
The Suitcase Entrepreneur

Have you’ve always known you shouldn’t be working for someone else? You know, doing something that doesn’t really float your boat in the 9-5 world? Do you rebel against conforming, against authority and believe things can be different and you can set your own rules and create your own lifestyle choices?

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Israel Smith

Feb 13, 2014 - israelsmith.com - 483
Israel Smith

After a brief, dissatisfying career as an IT Consultant, I opted-out of the corporate world in early 2004 and became a portrait photographer.......see much more

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A Restless Transplant

Feb 13, 2014 - arestlesstransplant.com - 460
A Restless Transplant

My truck slid off a road in Central Baja, and a Subaru Brat saved my ass.

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Exile Lifestyle

Feb 13, 2014 - exilelifestyle.com - 429
Exile Lifestyle

A professional author who starts and runs businesses and travels full-time. Well known for his writing, travels, and his goal of only owning 50 things.

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Vagablogging :: Rolf Potts Vagabonding Blog

Sep 08, 2015 - vagablogging.net - 450
Vagablogging :: Rolf Potts Vagabonding Blog

American anthropologist Ralph Linton wrote the following essay, which appeared in the American Mercury in 1937. Published half a decade before "globalization" became a buzz-word, it humorously illustrates how everyday routine in modern America is the sum of years of global human ingenuity.

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A Digital Nomad Couple Who Sold Everything to Travel Forever

Sep 08, 2015 - neverendingvoyage.com - 407
A Digital Nomad Couple Who Sold Everything to Travel Forever

Because Life is Short and the World is Large

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You can also find a few of their books on my Amazon bookshelf.

Digital Nomad Photo credits

Andrew Waits

Foster Huntington

Filed Under: Live Lean, Travel Lean Tagged With: Frugal Travel, get rid of stuff, less equals more, live lean, The Frug recommends, war on stuff

10 things you should know about great dive bars

02/14 by The Frug 4 Comments

By Brad Beckstrom

keep it classy

Years ago I worked for Miller Brewing Company. Part of my job was visiting wholesalers who were independent distributors of our beer. I worked in marketing, so after my pitch on the latest programs from the brewery we would visit key accounts including bars and restaurants in the market.  We’d say hi to the bar owners, buy some beers, discuss what the competition was up to, and how our programs were stacking up in retail.

Many of these beer distributors were in small towns.  I visited places like Snoqualmie WA , Cumberland MD, Ocracoke Island NC, and Harpers Ferry WV.  As a recent college grad, this was a great opportunity to see the country and spend time with experienced business owners.

The distributors would take brewery reps like me to their best accounts. These were generally taverns that sold a lot of beer. They were always independently owned (not chains) and had a large local following. The formula in all of these accounts was remarkably similar. Keep it simple, sell ice cold beer and great food. Keep it relatively dark and cool inside and hang a lot of interesting stuff on the wall. These were classic dive bars.

In search of local dives.

Fast-forward many years and true dive bars with good food are getting harder to find.  This is especially true if you are living in the suburbs. Around Arlington, are always plenty of places to eat including chains, ethnic spots and high-end concept restaurants owned by restaurant groups and celebrity chefs. Some of these restaurant groups even do a nice job at re-creating the feel of an Adirondack Tavern or a Nantucket Sailing Club.  Sure you may feel like you’re in a hundred-year-old tavern, but you’re paying for it.

There’s nothing wrong with this once in a while, but just because you enjoy something like a great bottle of wine at an expensive restaurant, doesn’t mean you need to try and recreate that experience every week or even every month.  In an expensive area like Arlington Virginia, trying to recreate this dining experience weekly can add up to a couple of car payments every month.

This is where the local dive becomes important. They’ve spent very little on decor. There is no wine list, just what’s on the table tent.  The focus is on value.  If you’re a Frug, you need to seek these places out. You need to support them.  I’m not talking about hipster dive bars. These are very easy to spot. I can find any number of them over the bridge in DC. They may look like dive bars but they charge eight to ten dollars for a cocktail or seven dollars for a microbrew.  Sadly they are often the victim of location (high rent district) and no short supply of urban hipsters. More power to them but they’re off my list.

How to spot a true dive.  These are getting harder to find.

  1. It’s coveted by the locals. Reputation and repeat business from regulars is what keep these places going. Ask around.

  2. The floor may be dirty but the dishes and glasses are clean. Serving ice cold beer or a cocktail in a perfect spotless glass is a true dive bar’s bread-and-butter.

  3. The menu is simple, and generally unhealthy, but the quality is there.

  4. The price is right. They should offer a good selection of old-school domestic beers like Miller High Life and PBR for about three dollars.

  5. The taps are clean. If you get a funny tasting draft beer, be suspect. A good dive bar will have very clean beer lines, just like a great Irish pub will pour a perfect Guinness.

  6. The customers are definitely more interesting than those you may find at a local chain restaurant,

  7. The hipsters may have discovered it but the owner doesn’t care,

  8. A good amount of the decor has been provided by local beer and liquor companies. Some of the stuff hanging on the wall is over 50 years old.

  9. It’s not well lit, which helps hide many imperfections.

  10. The kitchen is simple and clean. You can hear the cook complain about your order.

If you like to go out once a week or so, try seeking out the best local dives. Heres how.

  1. Explain to your wife, friends or significant other that you want to try something different and that this will be a new experience.

  2. Do your research. After all if you find your favorite local dive you may be going there for 10 years or more (like we have) so it’s worth a little bit of effort.

  3. Start with Yelp or Foursquare. If you don’t have the app  it’s just as easy to visit  Yelp.com. Create a free account so you can bookmark your dives.

  4. Do a search for dive bars or dives. Look for 4 star ratings on Yelp and Google Maps or a rating of 80 or higher on Foursquare.

  5. Don’t just stop there, browse some of the food comments this is always a good indicator of the quality of the dive.

  6. Do a test dive. Don’t just show up for dinner on a Saturday night.  Maybe stop by for happy hour and try some chicken wings to get a feel for the place.

It may turn out not to be a place you want to eat but the drinks and bar food may look great. While you’re trying it out share your thoughts on the yelp app or foursquare.

Keep searching. Like most other things in life, you only need to find one.

 To get you started here’s a list of my favorite dives, http://goo.gl/kgWvkl

The Frug

Filed Under: Live Lean, Travel Lean Tagged With: Dining out, Frug Hacks, Frugal, Going out, less equals more, live lean, saving money, The Frug recommends, travel hacks

Frugal versus Cheap

02/14 by The Frug Leave a Comment

cheap1

Frugal versus Cheap

Warren Buffett, one of the world’s richest men, and the most successful investor of the 20th century still lives in the home he purchased in 1957 for $31,000.  At the same time, he’s pledged billions, billions with an (s) to the Bill and Melinda Gates Foundation.  Warren Buffett is frugal but not cheap.  Frugal people (or Frugs) are sometimes called cheap because they wear older clothing, drive old cars, skip expensive luxuries.  I believe there are a few key differences between being frugal and being cheap. Here they are:

Frugal people are not afraid to spend on others.

Someone who’s cheap may shortchange someone on something as simple as a well-deserved tip. Sometimes the bellman, the excellent server, or the maids that cleaned your hotel room are the people who need that tip the most. Always tip generously for good service. Cheap people may skip a charitable donation or ignore others in need.  Saving, so there’s more to spend on others, is one of the most rewarding parts of being frugal.

Frugs don’t buy cheap stuff or sacrifice quality to save a buck.

Cheap people often buy cheap stuff, on SALE.  Walk into any big box store and you’ll see some of the most beautifully packaged and presented junk anywhere this side of the western hemisphere.  To be truly frugal, don’t replace anything until it’s worn out or unrepairable. When the time does come to replace that necessary appliance etc., search for quality and value. Who knows, in your search you may find you don’t need that new item at all.  At the very least, you’ll want to find something you know will last for years and avoid the hassle of having to replace it or repair it in the near future.

Frugs don’t have FOMO

This is what I call it the “think it over skill” that Frugs have. A cheap person may snatch up a sale item for FOMO. Fear of missing out on the deal without thinking about the real cost of every item you add to your pile of stuff.

If you don’t have the “think it over” skill, here’s a quick remedy that really works. When making a significant purchase, just wait 1 day. One day. You may  find the impulse to purchase it goes away or the sale will be over and you won’t want to buy it at all.  That’s it, just wait one day. If after thinking about it and looking at options (like what is already in your closet) then buy something that will last a decade.

A frugal person would not skip necessities.

Someone who is cheap may skip an important doctor’s appointment or drive around on bald and dangerous tires to save a buck.  Part of the benefit of being frugal is saving  to assure necessities for you and your family are met. A garage and basement full of stuff won’t do you any good from a hospital bed.

Speaking of hospital beds, a Frug sees the benefits of living lean, like avoiding the 99 cent value menu because there is really not much value there at all.

In many ways, making health a top priority (yes, even over work) pays great dividends.  Fitness is a great substitute for the latest styles. For years, I thought replacing perfectly good clothing going from a 32 waist to a 36 was just part of the aging process.  A frugal person will be able to replace something when it’s truly worn out versus getting rid of clothes that just don’t fit anymore.  I’ve decided to stop at 36 or maybe even go backward a bit. Everyone is different but adding, long term financial benefits to fitness helps motivate me.

Frugal people or (Frugs) look at the real cost of ownership versus buying something just because it’s a great deal.

Another benefit of living lean. Time. The more cheap stuff we bring into our lives, the more time we need to spend repairing it, storing it, cleaning it, shopping for it, and finally getting rid of it. A Frug understands the value in not owning something at all, and the freedom of living lean, freeing up time for a more experiential lifestyle.

Frugal people practice moderation and understand the virtues of delayed gratification.  

Fugal people aren’t afraid to spend on experiences they’ve saved for. They understand that experiences have far more value than stuff.   While a cheap person may skip travel or a nice meal in a restaurant altogether, a frugal person understands that by saving on life’s everyday expenses, they are pursuing a goal of adventure and experiences.

Cheat sheet for being Frugal versus Cheap.

  • Frugal people are not afraid to spend on others.

  • Frugal people (Frugs) look at the real cost of ownership versus buying something just because it’s a great deal.

  • Don’t buy cheap stuff or sacrifice quality to save a buck.

  • Frugs don’t skip necessities like healthy food, medical treatment or important repairs.

  • Frugal people practice moderation and understand the virtues of delayed gratification.

The Frug

Filed Under: Live Lean Tagged With: cheap, FOMO, Frug Hacks, Frugal, less equals more, live lean

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