SUPER SAVINGS
*note: free book, most excellent "1632" by Eric Flint, ties in with rebuilding society. click here Not as good of a series as The Lost Regiment http://amzn.to/2B30aAZ as far as the subgenre, but the first Flint book is stand alone superb. If you can't do a Kindle file, go to www.baen.com for free book downloads.
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Three years ago I wrote
the book “Consuming To Invest”, which was how to turn your soon to be worthless
paper currency into tools that could save you money ( to buy you more tools )
and make you more sustainable. It was a
step above mere consumables like ammo and wheat. For instance, cloth diapers. They pay for themselves very quickly and then
they save you a butt metric ton of money.
Let’s say a cloth diaper costs $1.50 and throwing in pins and the
plastic outer shell and a cloth insert to catch most solid matter adds another
fifty cents to it. $100 should be more
than enough of an investment.
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What are disposable
diapers now? About a quarter
apiece? Call it ten a day, every day for
a year ( I can’t remember how long it took for my kids-is two years too
long? Let’s just say a year ). $900 a year.
$60 a year going to the Laundromat on their Dollar Day, plus soap. You’ve saved $750. That can buy a lot of other tools such as a
manual sewing machine ( which can be a business as well as savings-the point
here is if the tool is more expensive than the labor, only then is it a business. If you charge a dollar to fix a rip, no one
is going to buy a $100 machine to DIY ), manual saw ( save hundreds from using
a chainsaw, to buy…), galvanized stiff metal clothesline ( which saves the cost
of owning and operating a clothes dryer which buys…), glass sheets for solar
heating and cooking ( which saves you propane and electric which increases the
saving into other tools ).
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Think of your monthly budget as credit card
debt. With debt, you take the lowest
payment and put extra towards paying it off.
Once you free up that payment, you place it towards paying off the
next. And so on until it is all paid
quickly and painlessly. If you don’t do
this, you pay for thirty years until the principle is finally wiped out, an
insane plan. In your budget, you take
one expense you can eliminate. That
takes investing in one tool. Be in a
rooftop antenna to replace cable, a bike with trailer and baskets to replace a
car, etc.
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The difference between
credit card debt and budget elimination is that the same amount will kill the
debt, but with the budget, you make more money every time. Once you get past the first hurdle, it
becomes fun and games and eventually it turns into a “Hump You” budget. The olden days plan was to make enough money
to tell your job Hump You. That is
unrealistic in a contracting economy.
Now you must need so little to live you can tell your boss to Hump
You.
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But with that book, I don’t
think I really covered eliminating professional services. I went back and glanced at it quickly and saw
nothing ( although I could be wrong. I
don’t remember what I wrote three days ago, let alone three years ). Saving money on the plumber, HVAC guy, carpet
layer, chimney sweep, wood supplier, etcetera, might be not just an option but
a necessity. If you are looking to
increase your security by becoming self employed, you need to beware consumers
making you obsolete. Not because they
want to, but because they have to.
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Am I the only one far
enough removed to see the insane cost of living that is the average American
lifestyle? Can you not see the HUGE
amount of fat that can be cut once it becomes necessary? I tell you to stop driving, you tell me to
get stuffed, yet nothing guarantees that you will be allowed to drive up to the
start of the Apocalypse. I won’t go off
on a rant-I’ll just say Peak Oil, PetroDollar Collapse and hyperinflation. And even if none of that were true, look at
the unemployment numbers and globalization and the future of your job. Isn’t that why you are looking to become
self-employed?
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But that is NOT happening
in a vacuum. More folks are becoming
unemployed or getting their hours cut.
More folks are paying 20% plus every year for less health insurance. More folks are paying more for rent. Why do you assume they will have the money to
pay for your services, indefinitely?
Eventually they will be forced to watch YouTube videos and try to do it
themselves. Would Home Depot even be in
business after the first housing bubble if folks weren’t Doing It
Themselves? In fact, you go on their web
page, many, many products have the video right there on the page.
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Will Home Despot
survive? Of course not. If I, self proclaimed and awarded World’s
Cheapest Bastard will go ten miles out of my way to go to Ace Hardware and pay
twice as much for both advice and help and better quality, because it is an
investment which saves money anyway in the long run, how much longer will the
flock of idiots stay wasting money at Despot?
Yeh, I know, they are still at Wal-Mart doing exactly that, as well as
eating out, but that is because fiscally they actually have a choice right
now. My point is they won’t too much
longer.
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Look at fast food
restaurants, or actually any dinning out establishment. It used to be that it was cheaper to eat out
than eat in. Your total calories were
cheaper and tastier. You had to be
careful what you ordered, and where you ordered, but it wasn’t hard to beat the
at home meat and potato cost. When you
could eat two burgers and fries for two bucks, that wasn’t possible to
duplicate at home ( your oil would go rancid before it matched the cost per
unit of the mass quantity provider ).
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When I first moved here
there was a Mexican place that served Sonora style food ( yummy! ). It was $4.50 plus tax for a burrito that
oozed more meat than beans and literally filled the plate. You could eat all the thin crispy chips with
salsa you wanted while waiting. It was a dive building, cracked linoleum
floors, terrible acoustics and an industrial line pay and serve. It was right behind the library and as a
treat I’d occasionally bring a book to read and pig out. It was literally a days calories. No way could I duplicate that shopping at the
store.
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And remember, this was in
a high rent, two hundred mile one way out of the way of everything high cost of
living town, with the place on the main drag downtown. The last time I went there, after all
eateries everywhere had jacked up their prices, the same burrito was $7. It was recently sold and rebranded, and I’d hate to think of the price now that
the cost of buying the business had to be included. This was a mom and pop place. You only needed two people to run it, the
cook and the part time cashier/cooks helper.
I’m sure everything was from #10 cans ( but, oy!, was it tasty ). But that couldn’t have counteracted the bulk
buying discount the chain stores worked with.
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I could take a couple of
articles to break down the causes of food price inflation, but let’s just leave
it at Corporate Debt, Corn To Ethanol and Fuel BTU inflation. And I understand that my figures could come
undone if the bulk of shoppers return to market buying rather than restaurant
eating ( there might be a discount to shopping at the market now, as they are
forced to cut prices to compete with dining out ). But for now, it is MUCH cheaper to eat at
home than to eat out. It just took a few
specialty tools ( chest freezer, pots and pans, convection oven ). I’m stating that this is the future of most
goods and services. Continued tomorrow.
END ( today's related link http://amzn.to/2iVIdgU )
* By the by, all my writing is copyrighted. For the obtuse out there