Travel lean

Simplicity is the whole secret of well being.

I said more cowbell, not more cowbells.

The holidays are hard for the Frug. Christmas shopping gives everyone a fantastic excuse for buying more stuff. You know the whole gifts and holiday traditions thing going on. Our friends, family, and our extended family fully embrace the holidays. Multiple family get-togethers and other holiday parties take their toll on the wallet. There are also 9 plastic tubs of holiday stuff that emerge from the deepest corners of the storage room shortly after Thanksgiving. Lots of festive pinecones, cowbells, singing Santas, ornaments and knickknacks.

I said more cowbell, not more cowbells!

I can just feel the surge of stuff rolling into the house from all directions. Just thinking about my required half day of frantic holiday shopping also gives me hives.

This holiday season we made an effort as a family to see more stuff instead of buy more stuff.

So here’s the idea. SuperK and I hatched a plan in June to join some other family members on a trip to Mexico for Christmas. This would require some saving, airfare hacks, and creative scheduling as far as the traditional holiday get-togethers are concerned. We also had a goal of scaling back on gifts and having a more traditional utilitarian (I love that word) Christmas celebration.

We would make this holiday season all about family experiences versus stuff. Sure the kids would be disappointed but to be honest they are generally disappointed with most gifts. You can see SuperK’s thoughts on this here. Plus, it would be hard for them to complain while sitting on a beach in Mexico hearing about the icy temperatures at home. So, instead of making the trip a surprise we let them in on it early on. We built excitement with countdown calendars, savings thermometers and photos. We also talked about some of the adventures we would have in Mexico with friends and family.

I am also always playing up the idea that less stuff equals more. Less stuff to shop for, put together, store, repair get rid of, equals more time for adventure. In a year, I’d like to say we are traveling light not just on our adventures but at home, lightening the load that excess stuff puts on you.

Okay so this was a big experiment. Did it work? Here is some of the stuff we saw this holiday season in Mexico.

Family and friends from Baltimore MD, Amherst MA, Minneapolis MN, Los Angeles CA, Brooklyn NY.
A school of gray whales about 30 yards from a boat that was significantly smaller than each of the whales.
Went to Spanish Christmas Mass in a small neighborhood church in Puerto Vallarta.
The Greatest Mariachi Band in the World, as touted by family and friends that had seen them before. I must agree.
Several beach towns including Yelapa Mexico, only accessible by boat.
A taste of some small village life in Mexico by hiking up a trail of crumbling rocks and ancient steps.
Peluchelandia.
Six fantastic sunsets.
A dose of reality for the boys, seeing many kids working selling trinkets on Christmas Day
The famous pie ladies of Yelapa, and some coconut pecan pie on the beach, why not.
Some of the best food Mexico has to offer including a great Fish and Chips place Joe Jacks

So here are a few tips for lightening the load so you can see more stuff next holiday season.

Use the stuff in, stuff out formula. For every new item that comes in the house two items need to leave. This can include toys your kids no longer play with, clothing they’ve outgrown (or I’ve outgrown), items you no longer use, knickknacks you’re just tired of looking at.
Start planning your adventures now. To make this happen, it really does require some thinking in February once you’ve recovered from your holiday $ hangover.
Add up everything you spent this holiday season and take a hard look at what you can move out of the category labeled stuff.
Give things away, It’s easier to part with anything when you believe someone may get some use out of it. We keep a large donation box in the hallway to always remind us of this. Last year we filled about 20 of these.
Keep a record of what you give away, Goodwill, Purple Heart receipts etc. you may be able to write off $500 or more on your taxes.
Make sure you’re using a credit card that produces from 2 to 5 points for each dollar spent. Check out the Chase Sapphire Preferred or the Fidelity American Express that include 2% cash back or points on every purchase.

I’ll be working on the stuff out formula and who knows we may end up in Mexico again next Christmas.

Foil Speedcams, Avoid Traffic Jams, and Save $0.30 per gallon on gas with the updated WAZE app

12/13 by The Frug Leave a Comment

My wife and I are not speeders. Unless you call driving 8 to 10 miles per hour above the posted speed limit, just to keep up with traffic, – speeding. In the DC Metro area driving at the speed limit can be dangerous. We have both also been “unfairly” nailed by speed cams in DC.

To solve this problem, we recently installed the WAZE app. Wayz in addition to being a solid GPS app also allows users to share speedcam, speed trap and driving hazard info. These alerts then show up as icons with warnings. This also comes in real handy for avoiding accidents and bad road conditions. You can look at traffic reports along your specific route which makes spotting and avoiding bad traffic a lot easier.

After you’ve been using WAZE for a bit you can create your own icon which shows up on the map. The icons are a lot of fun, but in busy metro areas like ours the screen can get a bit crowded. These can easily be turned off in settings.

One additional feature I’ve recently discovered It is the gas option. To be honest, I don’t look at gas prices very often because I don’t drive very much. Playing with this app I’ve been amazed at the difference in gas prices, just on one main drag near our home. It’s not uncommon to find .30. .40 and even $.50 variances per gallon nearby. It’s like getting a free lunch with every fill up. Just don’t buy any of that gas station sushi.

If you’re planning a trip you can take a quick look at the live map in your browser before you head out. https://www.waze.com/livemap

Waze was recently bought by Google for just over $1 billion dollars, so I think they may be onto something. Google paid 1 billion but you can get it for free here

Buy Your Next Car Like it’s your Last.

10/13 by The Frug 2 Comments

One of the best ways to live lean, work lean and travel lean is to own a classic car. What?! Okay, about now you’re saying the Frug is nuts, classic cars are exotic, expensive and require lots of work. Well I’m going to debunk that myth and redefine the term “Classic Car.”

A recent Forbes article profiled Mr. Money Mustache, an early retirement guru. When asked about his top recommendations for early retirement, number one on this list was cutting automotive expenses. One eye-popping number in the article was the additional $150,000 he saved towards early retirement by cutting automobile expenses to a minimum. Yes, he still owns a car. (His formula, quoted in the article, says to multiply your weekly auto expenses by 752 to get the cost per decade)

I believe it’s possible to save this kind of money and, at the same time, drive a classic car that you enjoy. It really depends on how you define “classic car.” So, here’s my definition of a truly classic car. And seven steps to get you there.

It’s paid for. Pick up any personal finance book,( a few of my favorites here), and you’ll undoubtedly come across the great benefits of owning your vehicle and making it last. If you buy your next car like it’s your last, plan on paying it off in three years, that’s when the real benefits begin.
It’s at least 10 years old. There’s something about a great looking well-maintained older vehicle. These aren’t exotic cars, just your average, Fiat 500, Ford Bronco, Jeep Cherokee, SAAB 900. Look for cars with classic lines, a cult following, and basic features.
Bottom of the line. When purchasing a new or gently used car that will become a classic, you want to avoid a lot of bells and whistles. For example, GPS systems and satellite radio are largely being replaced by smart phones. Trust me, you don’t need all those extras. Fewer bells and whistles means fewer things that can go wrong later. As an added benefit, the smaller more efficient engines come standard in these vehicles.
You don’t drive it as much. When you add the time-related cost of commuting to the cost of vehicle-related expenses, the savings for a couple can be closer to $300,000 over a decade. Find a way to work from home more often, or bike to work, and you can make this number a reality much quicker.
Taxes and insurance are minimal. If you live near city with high insurance rates like I do, or in a state with personal property tax like I do, then you can cut costs further with an older car. Insurance companies use factors like monthly mileage and age of the vehicle. Personal property tax in states like Virginia is also based on vehicle age and value.
Know your mechanic (he doesn’t work at a dealer.) Auto dealers have very high overhead and a lot of these costs get passed through their service department. Do some research on Angie’s List or ask around and find a good mechanic who works out of an independent bare-bones operation. If you’re turning an old Audi or Saab or other imported vehicle into a classic, look for specialists who work independently on these brands and come highly recommended. You can start on craigslist and nextdoor.com.
It’s the only car you drive so you keep it in like-new condition and track its recommended service intervals on a mobile app or website like www.driverside.com. Most of those dire warnings about older vehicles becoming money pits are from people who drive too much or treat their cars like garbage dumpsters. TLC will get you that extra 10-15 years you’re looking for so you can look forward to driving a classic!

Next time you see a great-looking classic Datsun 280Z or Jeep Wrangler, take a close look. That could be you behind the wheel in your completely paid for classic car. You’ll also be part of a tribe like the “SAAB 900 Tribe” or the “Ford Bronco Tribe.” People will stop you, ask you about your classic car and admire your great taste. Start now, after 10 years, your like-new car will start to look like a classic, in 20 years it will be a classic. All that money you saved on car payments, insurance, and taxes will be in the bank, working for you.

My 10 year old Audi A4 is rapidly on its way to becoming a classic. It doesn’t look a week over five years old and paid off 7 years ago.

Have you turned an everyday car into a classic? I’d love to hear your story.

The Frug

Dial up adventure, Dial costs down with TripTuner

09/13 by The Frug Leave a Comment

Dial your vacation costs down, and crank adventure all the way up, with this great new travel tool. Recently I’ve been sharing some of my favorite travel hacks like kayak/explore. I have found a new travel tool that’s a lot of fun to use.

On Tuesday night, I met Ted Devers at a DC Lean Startup Circle event in Arlington, VA. Ted used his experience as a DJ, and in the online travel industry, to create an equalizer for your travel experience. It’s called Triptuner. Old guys from the 80s like me are very familiar with equalizers. Every boom box and home theater system had to sport one. You can still find them on iTunes and with most music software.

This equalizer is different. I call it an “experience equalizer.” So, instead of cranking up the bass, like I used to, I can crank up “active”, or “beach” or “urban” so this great tool can help me find the location I am in the mood for.

Of course, the Frug wants to push things to the limit by turning the “high end” button all the way down to the “thrifty” setting and the “active” button all the way up. Once I did that, a lot of my favorite destinations started to show up, including Puerto Plata in the Dominican Republic, Playa Del Carmen, Mexico and great cities like Barcelona, Spain and Corfu, Greece.

Based on your Triptuner Equalizer settings, you get a quick match percentage on your ideal destination. For the Frug, The Dominican Republic came up as a 98% match. This could explain why we’ve vacationed there three of the last four years.

Let me know where it takes you. Enjoy.

21 Things My iPhone Replaced

08/13 by The Frug 2 Comments

Most people would think one of the worst money-saving tips I could offer would be to purchase an iPhone. We constantly hear about expensive Apple products, overpriced data plans, unnecessary upgrades, monthly overages, wasteful app store purchases and how overpriced smartphone plans are in the US versus Europe and Asia.

Yes, the Frug family has 4 Apple devices on an AT&T family plan, three iPhones and an iPad. True, the bill does make me cringe, especially the three different types of telecom tax. The phone and the taxes add up to about $55 per device per month. That’s not really what this post is about.

I was recently trying out Listly and created a list of all the things my iPhone replaced. I have dropped in the list below. Basically the iPhone since its introduction in 2007 has allowed me to get rid of a lot of stuff including some of the worst kind of stuff that has monthly recurring fees.

You’ll be able to tell from the list that I’ve always been a bit of a gadget addict. The iPhone is really helping me with that, replacing 20+ gadgets with just one and using free apps to do all the work. I mention a few of these apps below.

Here are some big items right off the bat.

Landlines – I was going through some old files the other day and came across some of our old phone bills. $65, $120, $85. This was back in 2006 when we were still using a landline and then later digital on Comcast, Vonage etc. My home number is now my iPhone and I give out a Google voice number to solicitors, websites, banks, etc. My wife does the same and we list each other as emergency contacts. If someone leaves a message on our Google voice number we get a nice transcribed email we can delete. We used to get calls at 6 PM every evening like everyone else. Now silence.

International long distance – We travel a good amount and I remember international long distance charges anywhere from $120-$350 per trip. That quickly added up to over $1000 per year. True, some of this was business-related, but as a business owner it was still my expense. I now use the Skype app or Facetime via hotel or restaurant Wi-Fi. It’s gotten a lot easier since I first tried this out in a Starbucks in Mexico. On a recent trip to Barcelona, I had daily FaceTime calls with the family, total international long distance cost $0.00. Only problem with FaceTime is that even my youngest can tell when I’ve had a few beers.

SiriusXM Satellite Radio – Satellite radio had ratcheted up to about 19 bucks a month before I discovered Pandora on my iPhone. Now can I can listen to truly commercial free music via Bluetooth. The iPhone automatically connects when I get in the car and any calls that come through pause the music. The music and calls are delivered via Bluetooth over the cars sound system. I just needed an adapter installed for my radio. The quality of Pandora and iTunes over Bluetooth to my car stereo really surprised me. I find it to be better than CDs or HD FM radio. Savings of about $200 a year after the annual pandora fee is subtracted.
Garmin GPS – The iPhone replaced my handheld GPS unit. I really enjoyed it for hiking, finding my way around strange cities, even on the water. Problem was it required CDs, expensive downloads that only worked on a PC, international city packs etc. etc. I understand that some GPS units even had a monthly fee. That’s all gone now. Not only is the iPhone a fantastic GPS device, it’s apps integrate information sharing like speeding cam locations on WAZE. WAZE should save even the most conservative driver a ticket every few years or find you a great local diner with low prices. Google maps free GPS is the best I found and, most importantly, covers walking and cycling directions that the others don’t. For hiking the everytrail app is awesome as you can share and discover great walks.There are a ton of options for hiking and running these are just a few.

When I add all this up and multiply it by several family members, I really believe the iPhone allows us to get rid of a lot of stuff. See the full list below and save a lot of money on unnecessary monthly fees that creep onto your credit card bill every month.

As I look at the list below I also realized all the time that was necessary to deal with all this stuff, racks of CDs, busted digital cameras and video recorders (now we just bust the iPhones) annual BS increases in satellite radio fees, and landline or digital long-distance fees. Lots of extra crap to pack when traveling like headphones, books, magazines, cameras extra batteries, etc. All replaced by an iPhone.

The message here was that the iPhone is worth every penny of the costs as it is something I use every day. And as a bonus it actually saves me time and money every month.

Live Lean. Work Lean. Travel Lean.

This camera took great panoramic shots. But used traditional film which sometimes I rarely got around to ever getting processed. I love photography and the idea of film but I found the best camera is the one you always have with you. iPhone. And I can also get a great panoramic shot as well.

Upvote

If the full list doesn’t show up in this post you can see it here. http://goo.gl/65hced

Let me know if I missed anything. What has your smartphone replaced lately? Please add your comments here.