Shannon Moon's Blog

Shannon Moon

Shannon Moon
Location
Ruraltopia, Pennsylvania, USA
Birthday
December 31
Bio
I am a librarian, teacher, writer, philosopher, mother, daughter, granddaughter, perpetual student, recluse and lover of literature and music. What else is there? Really.

Editor’s Pick
OCTOBER 31, 2011 1:37PM

Saving Pennies During the Non-Recession

Rate: 14 Flag

 

 Someone recently asked what people were doing to survive the recession.  So the OCD in me made a list.  Some are simple, others maybe a little strange.  

 

 

Obviously, I stopped donating money.  I stopped volunteering at my local library to save money on gas.  I stopped eating out.  I stopped unnecessary trips, always trying to combine them, grocery store, library, gas station.  I stopped borrowing movies from the video store.  I sometimes borrow from the library.  I stopped buying books, movies, music etc.  We buy second hand clothes when possible.  I stopped buying facial tissues.  I buy few new clothes and those that I do purchase, I buy on credit.  Food and gas often also go on my credit card. 

 

I stopped going to the doctor.  It’s been three years since my last pap smear.  Any medical expenses go on my credit card.   There is at least $1000 in doctor expenses on my credit cards.  We go to the dentist only once a year.  There are few dentists in our rural area, and fewer that take our insurance.  We skip the second visit to save on gas and to not have to miss school (or work).  

 

I am above $10,000 owed now.  I switched car insurance.  I told my 16-year-old daughter that she couldn’t get her license (she has her permit but getting an actual license means I have to carry her on my policy).  It doesn’t really matter since we sold the vehicle that she was going to drive anyways.  

 

My mother pays my cell phone bill because I told her I could do without one and she insisted that she might want to call me.

 

I live with family.  I couldn’t find a job as a teacher, so I worked as a sub until I found work as a census taker, then for a research company.  But that too disappeared once the funding was lost.  I have a BA in English Literature, I am certified to teach English and as a school librarian, and I have my MA in Education.  I went back to school last spring part time in a MA of Library Science program.  I put the tuition on my credit card but doubt I will be able to do so next spring.  I have no more money for paper to send out resumes.  I have started emailing them instead.  I send out several a week, for any jobs I find in the paper or online.  I have had only 2 interviews, neither in education.  I live in a rural area and so there are very limited options.  

 

So now I am on unemployment.  It allows me enough to pay my car payment, student loan, car insurance, and maybe some food.  Christmas will be small this year.  Luxury items like soccer balls, DVDs, art supplies are all purchased for Christmas and at no other times. 

 

We use reusable bottles.  We even refill water bottles.  I reuse containers like the parmesan cheese shaker for things like craft storage.  

 

I make foods from scratch.  I stopped shopping, except for food and necessities.  

 

I grew some of my own food this year and canned it myself.  Family members grow their own food and share it.  During the summer, we often pass around our fresh produce surplus.  Everyone takes food to my grandparents.  I do not buy junk food ever.  We no longer buy cookies or such.  I buy very little meat.  We have always drank raw milk from our own dairy farm.

 

I buy whole chickens and use them for two or three meals.  Rotisserie chicken on day one, homemade chicken noodle soup on day two, and chicken alfredo on day three.  I make homemade noodles for the soup but boughten pasta and homemade sauce for the last.  I buy in bulk whenever possible.  I watch the price of foods.  I buy things when they are on sale.

 

I are largely relying on family to purchase food for us.  I can’t keep putting it on my credit card.  This creates a strange dilemma for us.  My mother often buys foods that I wouldn’t buy myself, things like potato chips, pop, white bread, and other junk foods.  But she buys it to help us out.  What do I say?  It seems ungrateful to say anything against such purchases.   

 

Lots of family and neighbors hunt for their own food.  It is not always hunting season when they do so.  Sometimes they raise pigs, chickens, and cows.  

 

For money, I have performed tasks for family members, garnering small sums of money.  We do not go on vacation.  I look for local events that are free.  I told my daughter to work hard and earn a scholarship for college.  Otherwise, she will have to attend a public university (which is where I went to school myself).  

 

My kids still participate in sports, if I cannot afford it then my mother will chip in.  I can write a check or pay in cash for these and then put my car insurance on my credit card.  My daughter plays the clarinet instead of the sax that she wanted because my aunt still had my cousin’s clarinet in her closet.  It cost me $285 to fix it and the occasional new part instead of the $50 a month rental fee (a sax cost about twice that of other instruments and would in all cost a couple thousand dollars or more).

 

The one luxury I have kept is Netflix.  It is our family’s only entertainment.  Obviously, luxuries like lattes are gone.  But I do still drink tea.  I just reuse the tea bags two or three times.   We dilute 100% juice.  We actually prefer the taste and did this before money was tight.  I do not buy juice cocktails (as they are watered down, sugar laden juice products).  I no longer drink wine.

 

I cut my own hair.  I alternate between cutting both of girls’ hair and letting them go to the salon.  It is about $20 per salon visit and I can only do this about once a year.

 

In the winter, I do not shave my legs (saves at least $2 per week).  (That is a whole other blog still forming in the recesses of my brain).  

 

Our furniture is second hand.  In fact, the only furniture I have purchased otherwise was with money from my student loan (storage containers).  The cool thing is that my kids have slept on the same furniture set as me or my parents.  Our couch used to be my grandmother's, our chairs once belonged to my other grandmother.  I rewired old lamps.  

 

See my area is sometimes referred to as the Rust Belt.  The bad economy hit us long before the recession hit anyone else.  Many of these things I have been doing for years.  For example, for several years I wore the same set of underwear even though the elasticity was gone and they were only held up by my pants.  That was before recession.  We wash clothes sparingly.  The more you wash them, the faster they wear out.  This also saves on laundry soap (we buy an expensive hypoallergenic brand because of our allergies).

 

Medicines are tricky.  You can usually buy generic anti-histamines and such for just a few dollars.  I do not purchase the expensive ones that my doctor prescribes.  Antibiotics are free at Giant Eagle, our local grocery store.  My doctor will call one in without having to see me.  I have to make sure that she doesn’t prescribe the more expensive drugs.  When the girls are sick, we first wait it out.  

 

I have not given up my boycott of Wal-Mart.  This has been difficult.  In a rural area, this may be the ONLY store around.  Before the Giant Eagle arrived a short time ago, I had to drive about 30 miles to find a different store.  In the little town about 8 miles from my house, there had been 2 Dollar stores and a Save-A-Lot.  The dollar stores are MORE expensive than other department or grocery stores.  They can be because the people in town are unable to go anywhere else.  The Save-A-Lot carries few varieties, some of which are low quality.  The clientele do not make me want to shop there.  Again, I consolidate trips, stopping in town on my way home from somewhere else.  

 

A couple times a year I go to the nearest city, over 60 miles from home.  I can buy a couple of large containers of laundry soap and other necessities.  It’s cheaper there.  This means that if my car needs inspected, I will do a little shopping.  

 

I have used old blankets as fillers for quilts I’ve made.  It’s a craft thing, not because we need blankets.  We have plenty of those, as I purchased a bunch a few years ago while they were on sale.  We do use this surplus of blankets to cover our windows in the winter.  

 

Much of this has been a way of life for our family.  When I was a child, I remember the blankets over the doorways in the winter.  We’ve always had gardens.  But now, they means something more.  I watch my neighbors, seeing that they are struggling far more than my family.  I fee lucky.  Most of the time.

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You sound like a smart cookie to me! r
Thanks, r.

Oh, and I forgot one--turn out the light! I am always saying that. I unplug everything as well (gadgets use more than we think). But this doesn't actually save me any money since I no longer pay the electric bill).
Ha! Right on the money, Shannon. Always good to read you. R
There are probably thousands of people who live as you do, as someone who tries to sell items in this economy, I've found the need to tighten my belt as well.

I have to think we'll all get out of this, emerging stronger than ever.
Shannon, thanks for articulating what these tough times mean on a personal level. Many are in similar circumstances; not so many are managing as smartly as you. To me this also illustrates why a single payer health care system would be such an improvement. it's unjust that you or anyone else skimps on normal medical care because jobs are hard to find.
I am noticing that an article in Salon states that Kim Kardashian spent $2 million on the floral arrangements alone at her wedding.
I am not sure what to say here that doesn't sound like I don't understand how hard and spare your life is right now, and how perhaps it has always been for the most part, I hope things will change so at least you are able to afford medical care, for you and your daughters. Congrats on a very well deserved EP Shannon.
Thanks, Thoth. Nice to see you again.
Trivia, I believe that you are right. What doesn't kill you makes you stronger, correct? Well, hopefully. My mother always said it anyways. And I have long been a strong believer in the concept of character, ie surviving hardship to make better, more conscientious, noble, and thoughtful individuals. So if what we get out of all of this is more people with that lofty ideal of character, then all the better. Thanks for contributing.
Abrawang, absolutely! I am completely for a single payer health system. In fact, I am certain that it is the only way I will ever successfully access adequate health care (since I have health problems that make me almost uninsurable, or will someday at least). But even beyond me, our society needs it. Our car manufactures (among so many others) are not competitive in the global economy because of having to carry this heavy load of employee health care (among other things). And almost worse, they subsidize companies like Wal-Mart (aka the "evil store" to my children) when one family member works for Ford and the other at one of those deadbeat companies. Friends and neighbors of mine cannot afford health care. Those that have businesses of their own cannot afford to provide health coverage for their employees. When is enough enough? Thanks for commenting.
I am astonished to say I have adopted a majority of your ideas myself...
(I had to break to take my cherry pie out of the oven--another low cost treat, with cherries picked and frozen over the summer.)
Jenny, yes! And didn't Paris Hilton say she'd never heard of Wal-Mart some time ago? I want to ask of them, did you ever notice tall brown things with green leaves growing out of them just outside your mansion? Or notice that a bright yellow ball rising in the morning and setting in the evening? Are you even on the same planet as me? Such extravagant splurges create a climate where a small fraction of the population is completely immune (and oblivious) to the rest of us (and the cultural phenomena of mega stores, and trees, and the environment in general). This just enables them to ignore everything but themselves and go out and devastate the environment and whole sections of the population. Can you image how many people that $2 mil would have feed and for how long? I could live for years, if not for my whole lifetime, on what she spent on a couple of hours. Great point.
Thanks, Rita. I appreciate it. I think it all just speaks to our collective sorrow and pain. Whether or not it is easier to swallow as a group I'm not sure. But I think we are afraid to speak out. We don't want others to know about the crap that we go through on a daily basis. I think it's just shame. I feel like an absolute loser for not being about to find "that" job. Even while knowing that the majority of my friends are in very similar situations. And it's not just my friends. This is a global phenomena. In Spain, 44% of the youth are unemployed. Riots are erupting all over the globe. In a way, it's somewhat soothing to my psyche that I am a part of this huge mass of others. . .our own "lost generation".
I wasn't going to, but your article did inspire me to write my little story about life in the recession. I'd really prefer to focus on the solution though.

I'm impressed you've been able to boycott Wal-Mart! (I don't like that store either)

Yea, what doesn't kill us makes us bitter.. I mean stronger! :-) I've found myself pondering the way we peasants are expected to compete with each other in some sort of wrestling match for the few remaining jobs... and how, for most of us anyway, we're not falling for it. Rather than compete in a cutthroat manner, people are sticking together. I'm really optimistic about this!
Linnnn, I'm not sure if our joint adoption of a money-saving lifestyle is good or bad. Certainly, our environment could not have endured if we were all living like the 1%. But I find it "wrong", in a way that I cannot really define, that we have to live so such simply because our society is unable to provide what it has promised. The whole point of a societal contract (which we all live under whether we are aware of it or not) is that we agree to abide by certain rules (not that I am naive enough to believe that everyone does) in order to gain the benefits, ie security and safety from harm (as given by the laws), access to healthcare, food, housing, and employment (life, liberty, and the pursuit of happiness) . It's not to say that we expect our society to give these to us, but rather to allow us to seek them ourselves. But somewhere along the line, someone dropped the ball. And it wasn't me or you. I have an unreasonable work ethic (thanks immigrant ancestors), but no where to work. And hence, the lack of everything else. I didn't do this. I did my part. I educated myself, put in long hours at a job. But to no avail. We are willing to do our part.
Thanks for commenting. It makes me feel less alone.
Trivia, I'm optimistic too. We either survive this whole mess, or the human race dies off. Those are really the only two options and I'm betting that we'll overcome (and if we don't, no one will be around to know).
I keep thinking about how the only way I'll get a job is if someone dies. Which means that I am waiting and hoping for someone else's misery. That just doesn't feel right. But I don't see how our economy can just keep growing. McDonalds on Wall Street (stockmarket). . .their stock can't grow. . .because the business can't grow any more. They are already everywhere. . .where to? Our kitchens? How horrible. But the stockholders want more growth. It's not sustainable.
But that's what our system is based on. Beyond that, we aren't even producing goods anymore (what is it, like 27% of our GDP?). We need to MAKE something. Improve the world. Our world doesn't need more sports cars. It needs more ways to make drinkable water. More solar powered transportation (or solar powered anything). We need more caregivers. We need more scientists. Less waste. Less bobblehead dolls.
What's the root of all evil?
What's capitalism?
And why aren't more people uncomfortable with what that means?
Shannon, I am inspired by your resilience and inner strength. We don't know yet how or when the economy will improve, but the skills, sensitivity and education that you possess will be essential in
reclaiming the promise of America for ourselves, our children and our grandchildren. I wish you good fortune and a brighter future.
wonderful post, I have lived this way for the past 9 years 4 of which were in school (Shimer College, BA in Humanities and Philosophy) returned to school and worked hard while attending school, still had loans, marginal jobs that pay just not quite enough (remember living wage), Temp agencies that get a healthy cut and churn the jobs, laid off from a temp job in March, continuing to search, unemployment is not enough to fully pay my rent and phone and internet, deeply grateful for food stamps and friends who share the bounty of their gardens or catch a sale and share. But I believe that I am stronger and I hope that these trials will pass and we establish a new normal; equity, full health care, honestly caring for those who do not have. Peace be with you and your family, I too have prayers out there for those who are in hard times even as I live through my own hard times. Continued Blessings.
I'd have to agree about the expectation of more growth. That needs to change.

The current system is based on the myth that our world is an infinite resource, a bottomless garbage can with an endless market. Only a Michelle Bachmann fan could believe this sort of fairy tale.

The solution *I* believe in, (for the moment!) is cutting the 40 hr work week in 1/2 thereby "splitting" each job into two jobs, not just because we're not making anything, but because technology has filled the role of what used to be a "job".

I think kids know the jig is up, they know that even HAVING a future requires things change.
Paul, I actually laughed a little out loud when you said my "resilience and inner strength". I have that? I can't even inspire my family to pick up their socks off of the floor. Being responsible for the inspiration of anyone else seems like a lot of well, responsibility. I'm not sure I am quite ready for that.
All joking aside, I appreciate your encouraging words. I see us surviving this fiasco (of someone else's creating). It'll get better. I just hope we hit bottom already. Thanks for visiting.
Thinker, I wish the same to you. See, isn't that just it? When we see one another in our individual struggles, we see ourselves, and then we can see how we are alike--and not alone. I feel lucky that I have family around to help. And that just what I need seems to find me when I really need it, whatever it is. I hope the return to "normal" finds you very soon. Thanks for commenting.
Trivia, I have long said that universal health care is the answer. If people don't have to work for health insurance, then they can choose different schedules. Parents could stay home more with their children. They can get their kids off of the bus. Businesses would have more capital for BUSINESS instead of insurance premiums and such. Families and businesses wouldn't go bankrupt and lose everything simply because of skyrocketing health care costs. My step grandfather likes to tell the story of the first hearth surgery. When the insurance company asked what the charge was, the surgeon made up a crazy number because he(?) didn't think that they'd pay it. But they did. And so this set the cost of heart surgery. Nice story. True or not, it's a nice anecdote.
Americans work far more hours than other industrialized nations. They brag about how productive they are (meaning how many people's jobs they are individually doing). Work less! Be less productive! Let someone else have a job for gosh sake! It can't be about the money. We need public service jobs--that are not based on profits. How ridiculous! We can't outsource everything. If we all end up working at Wal-Mart, then no one will be able to afford to shop at Wal-Mart. These CEOs are working themselves right out of a job--just like the American people already did.
Hi, Shannon. I live in rural sw pa and have been hit by the recession, also. Thank God I still have my health insurance. I have a lot of health issues, so ins. is life or death for me - not exaggerating! I am only glad that I can live with my parents now, and that there have been times when I could make good money and travel and go to school (worked full time & went to school part-time for the tuition.) I know there are people who struggle this way their WHOLE lives, and I don't think I could take it.
You're a better woman than I am--I don't have the nerve to try to make my own noodles or rewire lamps! But I live in many ways as you do, largely skipping the great American pastimes of shopping and eating out. I also boycott Walmart, which is a problem right now--I could get my tires there much more cheaply. And sometimes I wonder how much worse they are than any other big box store, in terms of how their employees are treated.
"It is difficult to get a man to understand something, when his salary depends upon his not understanding it!"
--upton sinclair

"One withstands the invasion of armies; one does not withstand the invasion of ideas."
--victor hugo


occupy party reaches critical mass/seismic effect--now what?
Wren, you make me think about something a little off topic. A couple of years ago a good friend of mine was thinking about going back to school, but she said she didn't think she could stand losing her livable income and returning to just doing without. I understood what she meant, but also realized that without doing it she'd be stuck forever doing a job she hated. She went back, finished another degree. But even now, with that better job, whether or not it makes her happy. . .her and her fiancee are now a quarter of a million dollars in debt in student loans. It overwhelms her. I think it was a good choice for her. . .but stupid for our gov't leaders to ALLOW it to happen in that way. Each person in our country is an asset. We are all our countries best resources. Anyone that is willing to better themselves is an even greater asset. We should encourage higher education, not make it an impossible dream. But that is what it is for so many, and for so many others, an enormous weight that they must carry for the majority of their lives. If we were smart (which apparently we are not), higher education would be free or pretty darn close to it. We should treat our citizens with decencies. People that want to work should have a job. What a waste of human capital, of human potential. Imagine all of the Einsteins out there wasting their time waitressing or doing other menial tasks because some idiot wants to not pay higher taxes or wants to outsource to save a few bucks. I think that they are missing the bigger picture here.
Thanks for adding, I hope you don't have to struggle for much longer. That's exactly what I'm hoping for too (and every other un/under-employed person).
Julie, noodles and lamps are easy--trust me. Sometimes I think that it'll all make me better off if we truly screw ourselves and we end up in a society without all of the modern conveniences we now enjoy (which seems more and more possible as time goes on, sadly). Now if I could just learn to make soap and candles. . . . Seriously though, boycotting Wal-Mart is much easier when I remind myself that their products are made by debt-slaves (http://thecnnfreedomproject.blogs.cnn.com/) and other equally awful practices. I know that lots of stores are guilty of such practices, but Wal-Mart is such a blatant perpetrator of such crimes. If we boycott a large, visible example of what we don't want, it equally sends the message to other retailers. If they know we mean business, they are less likely to commit the crimes themselves. It's the best weapon we have. Thanks for commenting!

vzn, That's one of my favorite quotes (Sinclair). Thanks for visiting.
All of these are excellent ways to save money. I also have credit card debt, and it's very annoying to have the interest charges carve a chunk out of my budget every month. It used to be so easy, to consolidate debts, but the banks are much stingier, nowadays.
Steven, I've always paid my card off each month in full. I knowingly put some summer camps on my credit card this year, knowing that I might not be able to pay it off right away. I had a strong hope that I would find work at the beginning of the school year (which I didn't), so I didn't think it would matter that much. But those little things do add up, and coupled with all of doctor bills, gas, groceries, tuition, school clothes, and other necessities. . .I really don't think it would have matter either way. I was going into debt no matter what I did. I figure that if I put groceries on my credit card and then pay (almost) equal amounts on it each month, then I won't be too bad off and still be able to both eat and pay a small bit with my unemployment benefits. Debt from any source is scary. Having no real source of income makes it all the scarier. Having contemporaries in similar boats in this regard does not make it any easier or feel any less awful. Thanks for adding.
Hey, Shannon! Yeah, I was lucky - college was cheap in the 70s when I started, and then I worked full time at the college to pay for my tuition. I think I had about $400 in student loans when I was done. I would like to get a masters degree for creative writing now. Can't afford it, of course! But, then I think of August Wilson, Pittsburgh's most famous writer, who never graduated from high school and educated himself at the public library. So, for now, I will just keep writing and see what happens. Hang in there!!!

Oh - one thing about gas money, if you drive in your highest gear (drive on automatic) and go really slowly, you will burn much less gas. That's what I do. I go in the right lane with my flashers on. It takes me longer, but cuts the gas in half, almost.
You might look into unemployment deferment or hardship forbearance for your student loan payments. Just a thought.
Wren, I went to college in the 90s and it was free only because I was a single parent. I wouldn't have gone otherwise. I am very thankful. My entire BA cost the taxpayers about $20,000. I got my teaching certificate (at a grad level, at the same university a few years later) and it cost me, through student loans since I didn't qualify for grants already having a bachelor's degree, almost as much money. I take grad classes one at a time and pay out of pocket now. At the very least, it keeps me connected to the outside world, and for that I am thankful.
Audrey, I actually got a deferment for the first year or so after taking out the loan. I have thought about it again, but hate to extend the time I will owe, so I've decided to do my darndest to keep paying. It's crazy.
As for gas mileage...I had just bought a new Ford Focus (when I still had a job). I don't use the brake. Well, almost never. Not only does it save on replacing the brakes. . .I use way less gas. Before I put on my winter tires (which ruin good gas mileage) I was getting ABOVE what the company said I would get in gas mileage. I am in the highest gear. But I take my foot off of the gas before I get to a curve, slowing way down, and then accelerate half way through the curve. I am sure it drives the people behind me nuts, making them slow down, but I use way less gas this way. Every time you hit the brake, you're wasting whatever gas you just pushed through the engine. I get great gas mileage--better than lots of hybrids' advertised gas mileages.

Thanks for visiting!