How Switching Your Student Loan Forgiveness Plan Can Save You Tens of Thousands of Dollars!

This post may contain affiliate links. Please see my disclosure to learn more.

How would you like to save $10,000 a year, simply by switching the loan forgiveness program you are on? We know we did! A recent conversation with Travis Hornsby of Student Loan Planner informed us that we could speed up our loan repayment simply by switching from IBR to REPAYE! The information that Travis shared with us was so valuable, because it could in fact save us tens of thousands of dollars on our student loans! That’s equivalent to refinancing to a lower rate, thus cutting down our repayment timeline by over a year, while still allowing us the safety net of being in a loan forgiveness program. After conversing with Travis for an hour, I would highly recommend Student Loan Planner as the starting point for any student or new grad looking for student debt advice.

So how do we save $10,000 this year? It’s simple. All we need to do is to switch from IBR to REPAYE. Today, I will outline why.

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A Case Study: IBR VS REPAYE

We were under the IBR program since we embarked on this journey to repay our student debt of $574,000. Before you consider which loan forgiveness program you want to choose, you should probably read Finance: Student Loan Forgiveness Options: IBR VS PAYE VS REPAYE. We had initially chosen IBR despite the fact that the monthly payments would be 15% of discretionary income vs REPAYE’s 10% of discretionary income because of this one factor: IBR allows you to file taxes separately as a married couple and it will only consider the loan holder’s income, versus REPAYE which will consider the income of your spouse as well. Since Mr. Debtist also makes a six figure number, we figure that we would have the better deal using solely my income.

Here is an example of how to calculate that:

Let’s use estimates from our personal story to calculate the difference.

Assume that our loan is an even $550,000, my income (the debt holder) is $125,000 and Mr. Debtist’s income is $120,000.

Under IBR, they would calculate our yearly loan payment by multiplying my income by 15%.

125,000 * 0.15 = 18,750

Now we divide that by 12 months to find the monthly payment.

18,750 / 12 = 1,562.50

Therefore our monthly payment would be $1,562.50 under IBR.

Under REPAYE, we need to use the total household income of $245,000 to calculate the yearly payment, however we will only be paying 10% of our household income.

245,000 * 0.10 = 24,500

To find the monthly payment, divide by 12 months.

24,500 / 12 = 2041.67

Therefore our monthly payment would be $2041.67 under REPAYE.

As you can see from this example, IBR would be the better payment plan because you would be paying the cheapest amount per month and allowing the program to forgive as much as possible.

HOWEVER, there is a rule with REPAYE that IBR does not have. REPAYE will subsidize 100% of the interest accrued for the first three years, and 50% of the interest accrued after the first three years, which changes the game. Let’s see how.

Under REPAYE, the government will subsidize the interest that does not get covered by your minimum payment. We have already calculated the monthly payment to be $2041.67, and we know that each month, we are accruing about $3,000 in interest. Let’s convert that to yearly payments.

$2041.67 * 12 months =  $24,500 owed this year under REPAYE

$3,000 * 12 = $36,000 of interest accrued.

This year, based on last year’s income, we owe $24,500 in total payments under REPAYE. At $3,000 per month, the total interest accruing this year is $36,000. Therefore, our payments under REPAYE are not even enough to cover interest, as is usually the case with a loan this large.

So the difference is calculated as follows:

$36,000 – $24,500 = $11,500.

Which means that for the first three years, the government will subsidize $11,500 (and if it’s been more than three years, then they will pay $5,750) per year! You would be missing out on tens of thousands of dollars just by being on the wrong program! We certainly did.

Why We Didnt Make the Switch

We decided to be under IBR right when I got out of dental school, BEFORE we decided to pay back our loans aggressively. The reason being in my first year, I only worked for the last three months of the year, having waited for my license to be approved after graduating in June. In my first year’s taxes, I made $25,000. So taking 15% of $25,000 would be cheaper than 10% of $145,000. Now in the second year, the numbers completely changed since I started working full time for the entire twelve months. My salary jumped from $25,000 to $125,000. The ultimate question: Why didn’t we make the switch?

In April of my first full year of work, we had decided to pay back the loans aggressively. Meaning, our monthly payments were MORE THAN the minimum amount required. In order for there to be excess interest accrued on the loan, our monthly payments should not exceed the interest gained, which was about $3,000. But since we were paying our debt like CRAZY, we were actually paying $6,500 towards the loans, so no interest was accruing and it did not matter if we stayed in IBR or went to REPAYE.

Or so we thought…

We were VERY wrong!

A Common Misconception

According to Travis Hornsby of Student Loan Planner, REPAYE calculates the difference between the interest accrued and the amount paid back on the loan at the beginning of the year. REPAYE assumes that you will only make your minimal payment each month, which means that they lock in the assumption that $11,500 would be accruing in interest (for our particular example). Every month, they will subsidize a portion of your loan to make up for the interest that will supposedly accrue, REGARDLESS OF THE MONTHLY PAYMENT YOU ACTUALLY PAY. It doesn’t matter if we pay $6,500 towards the loans or if we pay the minimum amount. Either way, REPAYE will subsidize the difference between the minimum payment and the interest that’s being charged. So we have actually missed out on an opportunity here! What’s passed is past, but we are definitely jumping from IBR to REPAYE ASAP!

What Switching from IBR to REPAYE will save us.

We need to make this jump because of the following:

  • It will save us tens of thousands of dollars in the long run.
  • Making the change will be the equivalent of refinancing to a lower rate without actually having to refinance! Which then gives us the safety net of staying in a loan forgiveness program. If ever life throws us a curveball (such as an accident, layoff, disability, sickness, or our worlds fall into chaos and we cannot work), then the loan forgiveness program will give us the flexibility to not HAVE to pay $6,500 per month.
  • After all the money we save, we can cut our repayment timeline down to 7.5 years!

Off course, not everyone under IBR should automatically jump to REPAYE! You have to pick the financial path that is right for you, considering your personality, your goals, your lifestyle, and more. If you are looking for sound advice on how to create a student loan repayment plan customized for your situation, don’t hesitate to contact Travis Hornsby, founder of Student Loan Planner, using my affiliate link. It will be a very rewarding hour! And check out my second podcast episode with Travis, to be released in 2019! Stay tuned.

Decluttering A Shoe Closet with Nisolo’s Shoe Reclamation Program + Get $30 OFF!

This post may contain affiliate links. Please see my disclosure to learn more.

I have a fairly minimalist shoe closet, but it was not always so. I am the first to admit my past self’s infatuation with owning shoes, and at my highest point, when I embarked on this journey of minimalism in a state of constant overwhelm from being surrounded by so much STUFF, I counted more than fifty pairs! Embarrassingly, a majority of which were cheaply made goods of mostly plastic materials, undoubtedly constructed in less than ideal working conditions. My shoe collection now is a fraction of my past, but I still likely wouldn’t pass the Instagram and Pinterest-worthy versions of what a  minimalist shoe collection entails. But who wants their image to fit in a box? All I know is that I am less wasteful and much pickier about adding to my collection. So how did I get from point A to point B?

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Certainly, not without a whole lot of anguish caused by the realization that in order to de-clutter, the shoes had to go elsewhere. And where else might shoes go after being worn by particular feet? I will guarantee you that not many people out there are willing to wear well-loved shoes. And when there are no people wanting your shoes, what fate is there left to befall them but to (try) to return to the Earth? Despite all hope of plastic products bio-degrading eventually, deep down we all know that they will never disappear quickly enough.

Thankfully, a shoe reclamation program with Nisolo exists to increase the longevity of your kicks, while also giving to those in need. I myself participated in the reclamation program a month ago, when more of my shoes were considered unnecessary and ready to be passed on. Creating a more circular fashion model, this system ensures that products and their materials are reused and recycled. In partnership with Soles4Souls, the shoes donated will be given to micro-entrepreneurs in developing countries, such as Haiti, Nicaragua, the Philippines, Moldova and other countries in Africa, for a chance to clean, repair, and re-sell unwanted shoes. These micro-entrepreneurs are given the chance to start their own small business when they would normally not have the resources to do so. Additionally, the shoes are being redistributed to an under-served local population. Nisolo’s goal is to collect 5,000 shoes by 2020. Last month, our household donated six pairs. In return for your donation, Nisolo will give you a $30 OFF discount code for every pair of shoes donated, to be used at their shop at any time. If you’d like to join the movement, here’s how.

I speak about this program in the hopes that those looking to live a life of less can do so with a sigh of relief, rather than with heavy hearts. Additionally, I write in preparation for #GivingTuesday, a day fueled by social media on the Tuesday following Black Friday and Cyber Monday, to get people rethinking about what it truly means to give. If you are preparing for Black Friday or Cyber Monday, perhaps you’d like to pre-emptively donate shoes, in order to receive a discount code to be used at checkout. More importantly, as the holiday season approaches, may we remember not to be entangled in the “giving process” so much as to tie our wallets down in the name of gifting. Instead, may we look to those in need and ask ourselves the question of how we can make a difference and bring joy.

For those interested in my shoe collection, here is a list of my shoes as they are depicted in the photos, left to right, top to bottom.
Cover photo: Heeled boot from Everlane (a similar one here), Elizabeth Slides from Nisolo, Sofia Slip Ons from Nisolo (a similar shoe)
Photo 1: Harper Chukkas from Nisolo (a similar one here), Paloma Mule from Nisolo, Smoking Shoe from Nisolo
Photo 2: Clifton Sneakers from Eileen Fisher, Huaraches from Nisolo
Photo 3: Isla Slide from Nisolo

Rye Pecan Carrot Cake with Cream Cheese Frosting

When it comes to cooking, I find joy in creating complexity out of the most simple and base ingredients. Take carrots, for example. A boring carrot stick is something you pass by on your weekly grocery run in the produce aisle. Orange, stiff, sometimes with carrot top still intact (in which case, a no-waste carrot top recipe, here). A long ways from extraordinary. But when I think of  a well-made carrot cake, my eyes can’t help but twinkle, my mouth salivates. The marriage between sweet, earthy, and spicy undertones signifies a TRUE carrot cake, not disguised by extreme amounts of sugar, as they usually are. The colors of the cake itself remind me of the beauty of fall – orange from the carrots, brown from cinnamon and brown sugar, purple and mossy green from the rye.

Too often, carrot cake is done a disservice. Fatty and sugary sweet isn’t the cake I dream of. If it comes out of the pan shiny, covered in grease and oil, then you know it’s not done right. The texture should be moist, but grainy too. It should be fluffy and crumbly. My favorite way to make it is to keep the carrot shreds long, so that they break up the cake and are featured in their own right, rather than disappear into the flour, overshadowed by bread. With this recipe modified from East of Kitchen, I was able to create such a cake for a Friendsgiving gathering, with plenty of left-overs to boot.

It’s time to do carrot cake justice.

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For the cake:

Ingredients:

  • 2 cups pecans, roughly chopped
  • 5 cups carrots, peeled and coarsely grated
  • 4 cups Bob’s Red Mill Stone Ground Rye flour
  • 2 tsp baking powder
  • 2 tsp baking soda
  • 4 tsp cinnamon
  • 8 large free-range eggs
  • 2.5 cups granulated sugar
  • 2 cups coconut oil
  • 3 tsp pure vanilla extract

The Process:

  1. Preheat the oven to 350F.
  2. Grease two 9-in cake pans and line the bottom with a circle of baking paper and grease that, too.
  3. In a large bowl, combine the rye flour, baking powder, baking soda, cinnamon and set aside.
  4. In the bowl of your stand mixer, beat the eggs until frothy, about 3-4 minutes on medium speed. Add the sugar one tablespoon at a time and beat until the batter has thickened.
  5. With the mixer running on medium speed, add the coconut oil in a slow and steady stream.
  6. With the mixer set on low speed, add the flour mixture, and mix just until combined.
  7. Dump the grated carrots and the pecans in the batter and incorporate with the aid of a spatula.
  8. Pour the batter into your prepared pan and bake for 40-50 minutes, until a toothpick inserted in the center of the cake comes out clean.
  9. Allow to cool on a wire rack completely before removing to a cooling rack. When it is completely cooled, cut lengthwise through the middle with the aid of a serrated knife.

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For the Cream Cheese Frosting:

Ingredients:

  • 1 stick unsalted butter, at room temperature
  • 16 oz. cream cheese, at room temperature
  • 3 cups powdered sugar, sifted
  • 2 tsp pure vanilla extract
  • 3 tsp lemon zest

The Process:

  1. In the bowl of your stand mixer beat the butter and cream cheese on low speed until everything is blended.
  2. Add the powdered sugar one tablespoon at a time, with mixer running on low, until everything is incorporated and smooth. Beat in the vanilla and zest.
  3. Refrigerate at least one hour prior.

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To assemble the cake:

  1. Place the first cake layer on a serving plate.
  2. Wrap wax paper around the circumference of the cake to create a tall wall to support the building of the cake.
  3. Spoon 2 tsp of milk over the cake. This will keep the cake moist.
  4. Spread a layer of the frosting evenly on top, then place the second layer over.
  5. Spoon 2 tsp of milk, and them spread another layer of frosting.
  6. Repeat with the third and fourth layers. Spread frosting evenly on top. There should be more than a fourth of the frosting reserved for the top layer. Reserve a small amount of frosting for the sides of the cake.
  7. Place the cake into the freezer without removing the wax paper. Let sit in the freezer for 30 minutes to an hour.
  8. Remove the cake from the freezer and remove the wax paper. Ice the sides of the cake with a thin layer of frosting. Place in the fridge for at least one hour to allow the frosting to set.
  9. The cake should be ready to eat afterwards. If you wish, decorate with sprigs of rosemary stems.

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Habit Shift: Teeth Grinding

The Dental Series was created in collaboration with Bogobrush in an attempt to make dental health care not only important, but COOL, too! In it, we answer common questions and address current topics in the dental field. When Bogobrush is not helping spread the word about oral healthcare, they act as a source for ethically made, sustainable toothbrushes, with a one-for-one give-back program catering low-income communities that may not have access to something as simple as a toothbrush.


We all have habits and tendencies. I’d be the first to admit that some of them are not good – such as always needing to eat a sliver of dessert after dinner, or never drying our good knives after washing them. I have a history of even worse habits during my teen years, such as chewing my nails, or chewing on the caps of pens, neither of which are good for my teeth. But like most habits, these I have direct control over, and I can change them whenever I so please, like when chewing on your nails turned from cool to gross. Unfortunately, there are some habits that are subconscious, and therefore much more difficult to break. An example of such a habit is teeth grinding, otherwise known as bruxism.

I am a heavy bruxor, meaning that I have the tendency to grind my teeth at night. Like so many others, it was undiagnosed until I landed myself in a dental chair due to a painful ache on my lower left tooth. I was prepared for a root canal and a crown, convinced that something this painful must be caused by a severe infection involving hateful bacterial species. So I was surprised when my co-worker showed me the x-ray and there was an absence of any signs of decay. Wait, then was going on?

Bruxism!

Bruxism is the subconscious habit of grinding your teeth. It is also considered a sleep-movement disorder. It is not uncommon for people who have other sleep disorders (such as snoring or sleep apnea) to grind their teeth as well. While some people grind their teeth from side to side, others chomp and chew, and yet others, like myself, clench really, really hard. It has even been reported by loved ones that their partner’s grinding habits are so loud it keeps them up at night! However, most people who grind their teeth are undiagnosed until they start to experience pain. The pain can be anything from mild to severe, and can be persistent or transient. Sometimes, bruxism is so severe that it causes to the teeth to fracture! This can then cause you to lose your tooth, depending on how it breaks. In order to prevent this from happening to you, it’s important to be aware of the most common signs and symptoms, as well as to try and protect your teeth from the effects of heavy grinding.

Bruxism

Signs and Symptoms

There are many signs and symptoms for bruxism, and they are different for every person. The severity depends on the frequency, duration, and weight of your bruxing habits.

Common sign and symptoms include:

  • Abfraction Lesions – These look like little chipping of your teeth around the gum line. Teeth are anchored in the jaw, and when we clench and grind, we are causing these teeth to flex in all sorts of directions. As they flex, the part of the tooth closest to the gumline (where it is most tightly anchored) experiences the most stress, causing these areas to be prone to chipping.
  • Flat Occlusion – As we grind our teeth, we are slowly grinding away at the top portion of the enamel. Eventually, heavy bruxism may lead to completely flat teeth.
  • Fractured Teeth – Under the stresses of grinding and clenching, part of the tooth itself can give way and fracture. Teeth with large existing fillings are more prone to fracturing than a complete tooth or a tooth with a crown. When we start to see the first signs of cracking or microfracture, we want to take precaution and monitor the tooth closely. Sometimes, it may be beneficial to remove the cracked portion and place a crown, to help prevent any unpredictable and unfavorable fractures in the future.
  • White Lines Inside the Cheeks – Look inside your cheek to see if there is a white striation. These are formed from the repetitive sucking motion related to teeth clenching and grinding.
  • Tight or Tired Jaw Muscles – It may be that you are spending the entire night working your jaw left and right. Your jaw joints may then get tired, or feel very tight. If you ever wake up in the morning with a soreness in your jaws, you may have just experienced a night of heavy grinding!
  • Tooth Pain or Sensitivity – Teeth can experience sensitivity to hot, cold, or pressure if they are continually experiencing trauma from bruxism. There are nerves running to each tooth, and repetitive trauma to the tooth can cause these nerves to become hypersensitive. If treated right away, the hypersensitivity can be reversible.
  • Migraines and earaches – The nerves that innervate your teeth run up along the sides of your head. If they are hypersensitive, they can also cause migraines and earaches.
  • Sleep Disruption – Some people wake up in the middle of the night due to the sounds of bruxism. Others awaken due to aches and pains. Untreated bruxism can definitely take away a good night’s rest!

Causes of Teeth Grinding

The exact cause of bruxism is difficult to pinpoint. It could be a myriad of factors, so it’s important to evaluate whether any of the following apply to you.

  • Stress or Anxiety – The most common cause of teeth grinding is stress. I will always ask my patients if they are experiencing any stressful events in their lives lately when they report bruxism. Most people identify a difficult time at home, or a job change, or a recent move. Identifying the cause of stress and trying to manage or decrease it is really helpful in treating bruxism!
  • Abnormal Bite – Children often time experience grinding when their teeth first erupt and again when their adult teeth start to erupt. Sometimes they outgrow it, and sometimes they don’t. I have also noticed that bruxism is more common when people are missing teeth. A theory would be that an abnormal bite or a bad occlusion can lead to grinding.
  • Side Effects of Medications – Some medications are known to cause grinding. If you have recently started taking a new medication, ask your doctor whether grinding could be a possible side effect. Antidepressants, for example, have been shown to cause grinding.
  • Weight Gain and Sleep Disorders – Recent weight gain can make breathing more difficult when one is sleeping. Soft tissues around the neck and throat tends to push downward when we are lying down, thus obstructing the airway. This can lead to a number of sleep disorders, including snoring, sleep apnea, and grinding!

How to Protect Your Teeth from Grinding

There are many ways to protect our teeth! Unfortunately, since grinding is subconscious, eliminating the habit can be very near impossible to do. Therefore, we must find other ways to help prevent further wear and tear on our pearly whites!

  • Wear a Night Guard

Getting a night-guard is the best way to protect your teeth from the effects of bruxism. Since bruxism is a subconscious habit, it can be difficult to catch yourself doing it, let alone to stop yourself from grinding or clenching. A night guard is a protective plastic piece that sits on either your upper teeth or on your lower teeth. The plastic piece acts as a barrier between upper and lower teeth while you are grinding, so that you are not placing as much forces on your teeth and you aren’t wearing them down. The upper night guard works really well, but can feel very bulky for some. The lower night guard is a much more comfortable fit for first time users. You have the option of either buying universal night guards over-the-counter or making a custom-fit night guard with your dentist. Off course, the custom-fit night guard will protect your teeth better, but I can understand if you don’t want to spend that much money until you’ve tried an over-the-counter one to see if you can tolerate sleeping with a night guard. It will take awhile for you to get used to! It took me about two weeks. One thing is for sure: Once I started wearing my night guard, the pain went away. And if I ever forget, the pain will come back, which shows me that the night guard is doing its job!

  • Reduce Stress

There are many ways to reduce stress. I was first diagnosed with bruxism during dental school, which no doubt was a very stressful time. I find that I clench my teeth while I work or concentrate on something. When I involve myself in stress-reducing practices, I find that I clench less. Below are some ways to alleviate stress or anxiety.

    • Avoid stressful activities an hour before bed.
    • Drink caffeine-free tea in the evening after dinner.
    • Avoid screens in the last hour before bed. Try reading a book instead, or listening to calming music.
    • Choose exercises such as yoga in the late evenings, rather than hitting the gym and working out.
    • Write positive events or affirmations down. Gratitude has been shown to decrease stress and anxiety levels greatly. Try a 5-minute journal.
    • Spend time with your family, friends, or pet.
    • Practice deep breathing, and letting thoughts go.
  • Lose Weight

If you’ve recently gained weight and have noticed that you started grinding your teeth, try to get back to your previous weight. As mentioned above, weight gain is a common cause of grinding. Many patients have found success in decreasing bruxism by simply losing weight.

  • Regular Dental Visits

Regular dental visits are important when you grind your teeth. Make sure your dentist knows of your bruxism. They will be able to detect early signs of tooth fracture. When you start to see a hairline fracture, it shows that your tooth is giving way underneath all those chewing forces. You want to treat a small fracture with caution. It may be that a crown will be needed in the near future to cover the tooth and help protect it. A small crack can grow into a big one, and there is never any telling when and how a tooth will break. Sometimes, a tooth breaks and we can save it with a filling, a crown, and/or a root canal. However, other times, it breaks in a completely unfavorable way, and you may end up losing your teeth. Speak with your dentist about the best preventative practices you can engage in to save your teeth!

Frugal Challenge: No-Dining-Out November

We started our journey to getting our finances in order by reeling in on the spending. There was no other way we would have paid $84,000 in our first year without YNAB! To this day, budgeting continues to be a top priority and really keeps our finances in check. To help with that, we have made being frugal a bit more fun, by creating challenges for ourselves once in a while. In this way, we’ve made saving money into a bit of a game. I am excited to announce this month’s frugal challenge: No-Dining-Out November.

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If you are already on an extreme path to FI, you may already be doing this. Unfortunately, we aren’t as strict about the dining out thing as some. Reason being, we still want to enjoy our younger years, and not sacrifice our freedom now for freedom later. But this month, we will save a couple extra dollars by trying our best not to go out for food.

Typically, we cook about 90% of our meals for the week at home. We will go out about once a week, and most times, it is in celebration of someone’s birthday, or to meet up with families or friends to reconnect over a meal. Before you go running for the hills after my suggestion of giving up dining out completely, let me explain why November is the perfect month to do so.

The explanation goes as follows: Thanksgiving occurs in November. That’s it. Our one saving grace. If you’re like us, this time of year involves gatherings with friends and family aplenty. For example, we have a Friendsgiving event with our closest friends every year hosted at our house. I typically cook and serve a home-made 5 course meal (stay-tuned for what we’ve got up our sleeves this year), and everyone chips in monetarily by paying a small fee ($10-15 per person). On top of that, we have separate Thanksgiving celebrations with my parents, Mr. Debtist’s dad’s side, and Mr. Debtist’s mom’s side. Additionally, I have a Thanksgiving potluck at work. As you can see, November is the perfect opportunity for us to skip on the dining-out while still feasting on amazing food! It gives us opportunities to still meet up with family and friends, and it also has opportunities where we can eat without having to cook the meal ourselves. Plus, Thanksgiving isn’t as hectic as the Christmas season, so with enough planning, it is completely doable to balance work, life, and food.

Helpful Tips:

In moments of true weakness, here are some tips on how to go completely without dining out for a month.

  • First off, decide what constitutes as eating out. For us, even getting coffee or ice cream counts!
  • Get a really devoted, reliable friend to join you on this venture. If you ever feel like dining out, let them know so that they can keep you in line. Maybe take turns cooking for each other. I thankfully have Mr. Debtist for that.
  • Pre-cook some meals and freeze them early on in the month, while your motivations still run high.
  • Every time you feel like dining out and resist, write down the amount of money you saved. When you need a little inspiration, take a look at that piece of paper and count your savings!
  • Avoid the social pressures of dining out. Maybe avoid scrolling through Instagram or swiping through Instastories, to prevent yourself from being tempted by photos that your friends post. It may be that your super expensive dining out habit has more social motives rather than gastronomical.
  • Pack your lunch, but still “go out” with friends. Mr Debtist always packs lunch for work. But that doesn’t mean he sits at his desk by his lonesome when his co-workers go out to eat. He goes with them, packed lunch included! Now, he’s got our roommate doing the same thing! Don’t feel intimidated or embarrassed if you want to eat a packed lunch. You go out with your co-workers to mingle and to relate, not to outperform each other in food spending.
  • Make cooking at home fun! Instead of cooking the same meals that you usually cycle through, take time to try a new recipe together once a week. Leave room for experimentation. Cooking does not always have to be buy the book. Or better yet, simply swing by the farmer’s market and pick up a few items. Challenge each other to make a new recipe using your most recent market finds. Whatever it is that will motivate you to cook at home is good by me.
  • Lastly, just eat! The hungrier you get, the more tempting it will be to get food in the easiest way possible (aka buying it already made for you!). Eating little snacks throughout the day keeps me satiated enough that my tummy isn’t always asking for more. Some voice in your head may be saying that the left-over no longer looks as appetizing as it once did, but once it’s in your stomach, that voice goes away. Remember that we eat to give us energy, to sustain us for what we need to do. We don’t always need to eat to please our egos. Some people eat just to make themselves “feel good”. That kind of thinking won’t get you through this frugal challenge. And I can guarantee you that making yourself your own meal can feel great, too!

Simple Almond Oatmeal

Monday night had us feeling tired after a long work day. Which meant we skipped the Monday night meal prep that usually ensues. We grabbed the left over fried rice from the fridge, and decided to worry about the next day’s lunches later. So when Tuesday rolled around and I was sitting at home, hungry, I was short on meal options for lunch, without the want for preparing. Feeling a bit sleepy, what with the fall weather beckoning both me and the cat back into the comfy bed, I was not about to whip out the cutting board and prepare all sorts of ingredients for a full blown meal.

Taking a cue from the cold and overcast late morning air, I instinctively thought to myself, “Oatmeal!” The easiest thing to prepare with ingredients already at hand in the pantry. Additionally, a poor <s> man’s </s>, woman’s meal, and quite in line with slow living. Here, I share with you the barest of oatmeal preparation guidelines. I wouldn’t call this a recipe per say, since every one already knows what making oatmeal entails. Consider it a reflection of what it took to make myself a meal this afternoon.

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Ingredients

  • 2 cups water
  • 1 cup rolled oats (we buy ours from the bulk section)
  • 1/8 cup brown sugar
  • 1/8 tsp ground cinnamon
  • A handful of almonds (also from the bulk section)

There was no plastic involved in the production of this meal.

The Process

  1. Boil the water on the stove in a medium saucepan.
  2. Once boiling, add the oats. Cook, stirring occasionally, for a total of five minutes.
  3. Remove pan from the heat and add the brown sugar, cinnamon, and almonds. Stir well, to incorporate all the ingredients.
  4. Let sit for two minutes.
  5. Add milk or honey, as you see fit.

If you’re like my grandmother, pour milk into the bowl until the oatmeal resembles cereal … and then some. If you’re like me, eat it plain as can be, enjoying it wholly. It’s a meal that can never be eaten slowly, no matter how late I was running for school. Unlike french fries or chips, the best way to eat oatmeal is by small (tea)spoonfuls . Slowly sneak back underneath the sheets and sidle up next to the cat, staring out into the world outside as you lose yourself in thought; of younger years, of simpler days, of what’s ahead.

Small Space Living

Tip 03// Disguising cables

There’s one thing that comes with Mr. Debtist’s love for techy things that I absolutely have difficulty embracing. Cables. A motley crew of them, tangled, multi-colored, snaky things making their way into our rental properties, and now, into our home. I remember the first day I stepped into the boys’ house back when we were all in undergrad, young and carefree. You could say that their cables were of the same nature, a mangled mess, running from the downstairs to the upstairs and in between bedrooms. Even after grad school, their first house that they shared together as working men involved a number of wires and Wi-Fi receptors thrown onto the walls and ceilings, framing doorways, finding their way into boyish loves: computers, TVs, consoles, etc. Complain as I might, there is just no separating my darling husband from his love for video games and reddit, just like there is no separating me from my books. He deals with my books, so I will have to deal with his cables.

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Off course, dealing with the cables can insinuate a whole slew of solutions. The most aesthetic also being the most expensive. Ideally, we would wire the cables within the walls, so that they can snake around, unseen to guests and residents alike. Unfortunately, that would require a permanent solution to the living room, which I am not ready to commit to. We are still living with the hand-me-down couch from my college roommate, a couch that has been in my life for five years. It isn’t perfect, but we are all about making do for now, while we tackle the student debt. But you know how it is. Without the perfect couch, I won’t know the orientation of the room, which means I won’t know which wall the projector will face, which means we don’t know where the speakers will go, et cetera. So the more permanent and ideal solution will have to wait.

I have also considered buying some of those cable covers. The boxy kind that houses pesky wires and run along baseboards, better disguised. We actually had such a thing at our rental, which wasn’t so bad. However, I did not want to buy any more said cable housing knowing the solution is temporary and that it would require creating more plastic waste, not to mention spending.

So along the lines of our daily mantra, “make do with what you’ve got”, I grabbed a stapler and left-over paint from the can sitting in the closet underneath the stairs. I took the wires and stapled them in horizontal tracks along the baseboards, trying to make their way as neatly as possible from the audio box to the projector. I then painted over them in white, LA apartment style. I took a step back, and admired my work.

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It’s been about two weeks since I’ve done this project. To be frank, I have forgotten about the wires. It isn’t so much that they’re disguised completely. They’re only slightly less horrid than before. But there are more important things than worrying about how wiring looks against your baseboards. No one has commented on them, which means no one is really looking at them. Or if they are looking, maybe they approve of the city-style chic my painting over them has tried to mimic. Maybe it feels a bit more New York, emitting the older loft-like vibes of a more mature taste. We look on the bright side of things around here, always.

 

A Frugal Approach to Halloween to Make the Holiday A Bit Less Scary

Halloween marks the start of the holidays for us. That’s about the only celebratory sentiment I have towards this holiday. I don’t typically celebrate Halloween at all, except to rejoice that Thanksgiving, Christmas and New Years are just around the corner. Anyone who knows me can tell you that I avoid anything that could even remotely resembles scary. I go so far as to avoid YouTube in October, just in case I see one of those ads for an upcoming horror movies. To be honest, I was not introduced to the concept of Halloween until I moved to the United States at 8 years old, an age nearing when it was time to outgrow playing dress up. Additionally, I’m a DENTIST. So I have never passed out candy in my life, and likely never will. It has helped that we live in a live/work loft, since no children walk along the streets of downtown knocking on the doors of businesses already closed for the evening.

Despite my Grinch-like approach to All Hallows Eve, I understand that there are others who choose to celebrate the holiday. And I’d hate to send the wrong message here, because frugal living does NOT equate to deprivation. There IS a way to enjoy your favorite holiday, whatever it may be, without excess consumption. Hence, a brief guide to a more frugal approach.

Costumes

Create Your Costume

Remember in college, there were Halloween parties to go to, but most of us were broke? I think being poor really does require one to tap into our most creative selves. If my memory serves me, almost every costume at a college Halloween party was home-made. Why not have some fun and re-create those days? I remember one year, I had a witch’s hat and a name tag sticker that said “Hi! My name is Sam!” and I went as a Sam-witch. Another favorite was a classmate carrying around a cereal box and a knife, calling himself a “serial killer“. Cheesy?  Yes. Punny? Absolutely! A conversation starter, at the very least. If you’re interested, here is a list of clever, last minute Halloween costumes.

Borrow A Costume

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As a zero waste advocate, I am all for borrowing! Not only costumes, but everything else, too,  from vacuum cleaners to clothes steamers. Since this is a Halloween post though, let’s talk about borrowing a costume. I may not like Halloween, but there are people who live for this holiday! I have a dental assistant who loves it so much that she goes to multiple parties and wears different costumes to each one. I happened to mention to this particular assistant that I did not have a costume to wear to work, since we were required to dress up for the kids. I inquired if there was a costume I could borrow. She immediately listed off a number of costumes that she had on hand, and we decided that I would go as a pizza slice this year, because I like pizza. It’s that easy. Another assistant of mine mentioned that they were doing the same as I, borrowing their sister’s costume from a previous year. Props for those friend circles who create a chain of borrowed costumes. Gather a group of people and trade amongst each other, to have “new” costumers for multiple years without spending a dime!

Wear a Hand-Me-Down

In line with the previous thought, there are many people who refuse to wear the same costume twice. Offer to take their hand-me-down costume for the following year. If you create a loop with such a friend, you may get a “new” costume from her every Halloween, and she has a way to de-clutter her costumes without throwing them directly to the trash. I would consider that a win-win.

Re-Use the Same Costume Every Year

This is the one advice that I get the most push back on, but I think it’s worth considering. For four years, I wore the same teddy bear costume. For three years prior to that, you could rely on me showing up as Sally from Nightmare Before Christmas. Part of the reason definitely had to do with the fact that I did not put much thought into Halloween and ended up having to make do with what I already had whenever I would get <s> invitied </s> dragged to a Halloween party. The other part? It saves money!

Decorations

I cringe whenever I walk by houses decorated with all sorts of fake cobwebs and plastic spiders and inflatable black cats and flying witches. Cringe because, firstly, they DO give me the creeps, and secondly, because I think of all that plastic waste. I can guarantee that very few people re-use cobwebs that have been sitting in their bushes for a month. In fact, those fake cobwebs may be intermingled with entirely real cobwebs. Here are a few thoughts I have on decorations.

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Pumpkin on the Porch

I’d like to pose one simple question. Will lack of decoration stop children from trick or treating at your house? I don’t know about you guys, but as a child, even if no decorations were up, I still walked right up to the door with my siblings and tried my best to solicit candy. Call it hopefulness, or ignorance, but children will still want to TRY. So a lack of decoration will not deter a child, unless mom or dad is with them and is telling them to respect the privacy of that one particular home owner. Therefore, the simplest way to decorate your home and signal to little beings that you’ve got candy in store is a single pumpkin on the porch. Okay, or maybe a few pumpkins on the porch, and some in the windowsill. Carved pumpkins optional, the use of its insides non-optional. (Who doesn’t love pumpkin cake?) In fact, when I was young, this was how most houses were decorated. There was no excess consumption of plastic skeletons, and scary moving ghouls. No myriad of plastic webs on the front yard. Plus, kids who trick or treat are only thinking about one thing: The treat! They aren’t judging who’s got the best house on the block. I’m just saying.

YouTube Videos

If a pumpkin on the porch just doesn’t cut it, or if you are looking to be a bit cooler than that, try adding effects using a projector. We happen to have a projector at home, in lieu of a TV, so we could easily point the projector towards the front of our house and play music or an image that we film on repeat. Try projecting Singing Pumpkins or a Zombie Invasion.

Use Yourself as Decoration

Is projected imagery still not enough? Want your house to be really scary? How about using yourself as decoration? This isn’t to comment on your physical appearance, but rather, at your ability to disguise yourself. I remember the days of walking by a porch with a lone monster or ghoulish figure sitting on a wooden stool or chair. Those were the houses that I knew were the scariest, because you never know when the monster would come to life and get you. The bowl of candy is by his feet, or worse, in his lap, and the sugary sweets are calling to your sweet tooth. But is it worth the venture onto that porch? If you are looking to scare little kids with decoration, why not use yourself, dressed up in the scariest possible way? Or get a group of friends and create a themed look.

Au Natural

Lastly, have you noticed that fall decor consists mostly of dead things? How appropriate for Halloween! In addition to pumpkins on the porch, why not gather organic elements and create a house worth visiting? Grab some fallen pine cones on your nightly walking path. We’ve got tons at the park, so you may too. Display them amongst the pumpkins. Gather a bunch of broken twigs and sticks, and tie them together with twine to make witches brooms. Collect some “poisonous” apples and throw into a cauldron or basket. Or better yet, bend the thinner twigs into a wreath, and collect autumn colored leaves to make a fiery statement on your front door. Got paper? Cut out spider webs and bats to hang from the ceiling and walls. A combination of all these natural, bio-degradable, and sustainable elements is enough to make any person want to swing by! Hey, if you have a black cat, maybe he’d like to perch on the window sill all night, too. Who knows?