How to Decide if Property Ownership is a Good Financial Decision for You

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Well, we are doing it! We are in the throes of purchasing our first property! Currently, we just started the escrow process, so it’s all new enough to accurately relay our experience on zee blog. I have been MIA on the finances front for a while, but I’ve decided to start a new series on Property Ownership (I say property ownership because, as you will see, we did not go with a traditional home, therefore I think home ownership is too selective of a title), in which I hope to cover a collection of thoughts and well-meaning advice.

The first of which is this: You’ve got to know what you are doing when buying a home. Unless you want to get your money swept from underneath you or risk ending up with a home that you absolutely hate, I highly suggest getting informed before even considering any of this. May I suggest starting with the Home Buying Kit for Dummies? Not saying you’re a dummy, just saying I read this from front to back and felt confident in the home buying process, which went quite smoothly for us. In fact, today’s topic of deciding where to buy is outlined in their first chapter. Sans my own personal stories and interjections. You’re welcome!

Deciding Whether to Buy

We all make consumption choices in our lives. Whether that’s a cup of coffee, a sustainable product, or an eco-friendly gadget. Sometimes, purchases can lead to buyer’s remorse, especially when they fall short of our expectations. When it doesn’t cost much, you can get over it quickly by either choosing to return the product or deciding you will not make the same mistake twice.

As a very mindful consumer, you likely already know that I weigh the pros and cons of every purchase I make. This is especially important with large purchases, such as a car or home. Sloppy shopping can lead to financial and emotional disaster. And I love the analogy that consumer debt is the equivalent of financial cancer. So, buying a home should not be taken lightly. It should not be an entirely emotional decision. And it is not right for everybody. If that is something you did not to hear, then I am very sorry.

The goal of this series is to go through the process that Mike and I went through in order to help ensure that we have a home we are happy with, we get a good deal on the property, and most importantly, that owning a home helps us accomplish our financial and life goals.

But before we could have even decided whether owning or renting was best for us, we had to learn the advantages and disadvantages of both!

The Pros of Ownership

Not everyone should buy homes, and not at every point in their lives. That’s a statement I believe in. That being said, there are many pros to owning your own property.

  • Owning should be less expensive than renting!

This is the first guideline that Mike and I wanted to follow. We have thrown away so much money in rent. How much, you ask? Our first 18 months, we paid $2,800 a month for our beautiful 1,599 sq. ft., 2bed, 2ba live/work loft in Orange County, California. For those of you thinking we are financially crazy, I just want to point out that an 800 sq. ft. 1bed, 1ba apartment in an apartment complex runs around $2000-$2200 in our area. I agree, it is crazy expensive to live here. I also agree that we weren’t exactly financially savvy when we started out. After 18 months, the next 8 months we received a huge rent reduction to our space. We made a bargain with our landlord which stated that we ourselves will fix any problems (that totaled to no more than $200 per month) that came up, and she reduced our monthly rent from $2,800 per month to $2,600 per month. Additionally, we took on cohousing and we further reduced our rent to $1,900 per month, while giving our roomie her own bedroom, bathroom, and access to the entire house for $700 a month. She was happy because she avoided having to hemorrhage $1,500 for an old, run-down studio space, and we were happy because our rent went down almost $1,000 with those two simple changes. The savings of $900 over the course of 8 months was $7,200! YAY US!

All of this to say, that over the course of the last 26 months, we have spent $65,600 in rent. If we didn’t have our roomie, then we would have spent $71,200 towards rent, with nothing to show for it. Now if it seems like your monthly rent looks way smaller than the price of a home, which is likely to be hundreds of thousands, think again.

A very simple calculation of the home you can buy that would have approximately the same monthly cost as your rent can be completed using the following equation.

$______________ per month x 200 = $ _____________________

Example: $2, 800 per month x 200 = $ 560,000. The property we decided to put an offer on? $499,900.

Another consideration between the cost of buying and renting is the cost of doing so today versus the cost in the future. As a renter, you are fully exposed to inflation rates. A reasonable annual increase in rent is 4% per year. Remember that if you pay $1,000 in rent per month, that is the equivalent of buying a $200,000 home. Well, in 40 years, with 4% inflation per year, your rent will balloon to $4,800 per month, which is like buying a $960,000 home! On the flip side, after buying a home, your housing costs are not exposed to inflation if you use a fixed-rate mortgage to finance the purchase. So only the comparatively smaller property taxes, insurance, and maintenance expenses will increase over time with inflation.

This isn’t to say that you must buy because of inflation. But, if you are going to continue renting, you must definitely plan your finances accordingly.

  • You can make your house your own

This is a great pro to all the creatives out there. However, a word of caution:

Don’t make the place too unique. I understand that you may have a distinct taste or style. And while that may lead you to a happy life in your home, it could make it very difficult to sell in the future. If you do make improvements, focus on those that add value, such as adding skylights, energy-efficient  upgrades, and updated  kitchens and bathrooms.

Avoid completely running yourself into financial ruin. It’s easy to get carried away in the emotions associated with owning a new home. There is this urge or pressure to make it look picture perfect straight away! There is nothing wrong with making your home a dream one the slow way. When you feel the urge to throw all your money straight into renovations, think of the things you already have. Say, a roof over your head?

  • Avoiding Landlords You Can’t Get Along With. Mike and I have never personally had an issue. However, we have heard stories of landlords who neglect their tenants needs or continually refuse to fix rental units that are falling apart.

The Pros of Renting

  • Signing up for a place to rent is definitely easier than going through the process of securing a home. You don’t have to deal with financing, inspections, and other possible issues like you would if you were buying a home.
  • When you have a rental property, your landlord will be responsible for property maintenance and upkeep!
  • This was actually one of our initial reasons to continue renting. Renting allowed us to not feel tied down. In the last few years since we got this place, we were going through so many changes. We got married, Mike got a new job, we started tackling our student debt, and wanted to travel the world. I just started work and Mike and I did not know if we would like our new jobs and if this is the area we wanted to stay. Luckily, since then, we have fallen in love with our city and our jobs. We have proven to ourselves that tackling the student debt is doable, and we are comfortable enough to now tackle on housing. But if you are at a stage in your life where you need any sort of flexibility at all, then maybe renting is better for you right now. If you plan on not keeping your property for more than five years or plan to move soon, buying and then selling a property is not the way to go.
  • Increased liquidity. Many people buy their first home and wipe their finances clean with the down payment and the closing costs. Plus they have to make their monthly payments. Renting will help prevent you from being financially stretched.
  • Better diversification. Buying a property could mean that your wealth is tied up in the house. As a renter, you can invest money in a variety of investments, not just one.

Do NOT Fall for the Following Pitfalls

  • Renting because it seems cheaper than buying. You must consider the monthly cost as well as the future cost. See discussion above.
  • Buying when you expect to move soon. Additional costs that come with buying and selling a home are pretty large. Unless you plan on keeping the home for a while after you’ve moved, it may be better to wait until you are more sure of where you will be one year from now.
  • Allowing salespeople to sell you something you don’t want. Many people in the biz have a vested interest in getting you to buy, because they work off of commissions. But remember that when you buy a property, you will be the one coming home to it every day. You will be the one paying for it. So make sure that you do you!
  • Ignoring logistics. You should probably think through how every aspect of your life is affected by your home purchase. Imagine buying a home that has everything you are looking for and is within your price range, but which adds an hour commute to work. How much would you resent that home? Or imagine having a home that happens to be located in a loud neighborhood, and you are a light sleeper. These are important things to consider!
  • Don’t become house poor! Either you own a home, or it owns you. Nuff said.
  • Being peer pressured. This is a toughie. Typical me, I had to really dig deep and figure out why I wanted to buy a home. Was it entirely socially ingrained? Was it purely from a financial perspective? Was it part fantasy? I had to rationalize and confirm (and re-confirm) that I was not being peer pressured into this. That this is something Mike and I decide to do, for reasons of our own. Just because siblings, friends, and co-workers are buying homes, it does not mean you should too. Maybe they own a home, but have no finances left over to travel. Maybe their house is keeping them from quitting their work and pursuing a passion. Don’t assume their life is better than yours. And as always, never compare your beginning to someone’s middle.
  • Misunderstanding what you can afford. To be honest, if you haven’t gotten a feel for your financial situation and life goals, you are just guessing how much you should be spending on a home. So having a good grasp on your financial stance is the place to start. Also, unless you are a high-income earner, if you do not have a back up plan for unexpected life occurrences, you may find yourself in a tight situation. A job loss, family emergency, or natural disaster can make you house broke in an instant. Understanding all of this and having a back-up plan is very wise!

Given all of these pointers, only you can ultimately decide if buying a home is right for you. Not me, not your peers, not your real estate agent, and, no offense, but not even your parents. More importantly, you must analyze whether NOW is the right time for you. It may be that waiting until you have a bigger down payment, a more stable job, or a better financial back up plan is the best option. Something we as humans tend to avoid thinking about is the worst case scenario. But think about it you must.

Also, learning about the property buying process is quite necessary. If you are feeling a bit overwhelmed after reading this post and need a place to start, start with this book! I highly recommend it. Do you have other recommended reading for first-time home buyers?  Feel free to share with the community in the comments below!

Intentional Living: Logging off

My recent experience with an overwhelming amount of working days has lately made me extremely sensitive to the value of time. It seems that when time was of the essence, I made running amok as a chicken with it’s head cut off a daily occurrence. The imagery may be a bit vulgar, but it’s an accurate depiction of my panicked emotion. Now that I have more time on my hands, I am not of the inclination to use it wastefully. As in, lying in bed daydreaming, sleeping into the late morning, or scrolling through Instagram ALL DAY LONG. Those type of mindless activities would have been acceptable if my body was drained from the stresses of a crazy work schedule, but they are inexcusable when I’ve asked specifically for more time. Some things just shouldn’t be taken for granted.

So I’ve made quite the habit shift, specifically with the only social media platform that I am admittedly hooked on, Instagram. The habit: Logging off. Now, this isn’t to say I’ve completely deleted the app and forever forgotten about it. It has its usefulness which, mostly, is related to the workings of this blog. But it also has its wastefulness, specifically while I am sitting at work scrolling endlessly while waiting for my next patient. Or when I take a break from writing and slump onto the couch, phone in hand. An hour can pass by miraculously quickly when your head is in the clouds, up in cyberspace somewhere.

The habit I’ve created is this: I’ve allowed myself Instagram time in the first few hours of the morning, as I work on my blog. Anything I want to post is fair game, whether that’s recaps of the day prior, or anything going on the morning of. However, once I leave for work at 10:30am, I make an effort to not use Instagram for the rest of the day. Even on a day off, such as yesterday, I limited Instagram to only the morning. Which then forces me to create rather than consume. If I have downtime at work, I will type away on the blog. If I get tired of writing, I will pick up a book instead. If I am at home, there are endless chores that I haven’t gotten around to.

We detox our guts with diets. We detox our surrounds by de-cluttering. It’s time we detox our minds too. I would admit to a dependency on my phone. Embarrassingly, I would also admit to an addiction with Instagram. But that realization is the first step in getting our time back.

How have you curbed your social media time? I would gladly take any pro tips and what not. 

 

 

 

Life Without TV

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

It’s shocking to most that we do not own a TV. Neither have we ever. If you’ve been around this space for a while, you will know that it is partly due to my need to be minimalist. Having a screen around (and a large one no less!) to me seems a bit cluttered, unsightly, and makes me feel a bit like a character out of 1984. Additionally, they are heavy, expensive, and seemingly always upgrading to bigger and better qualities. As you all know, my life goal is to NOT spend my days keeping up with the Joneses.

Why I do not watch TV.

Historically, I have not had any strong affiliations with the tele. I am every grateful to my mother for limiting my TV time to 30 minutes per weekday, and am also grateful for her ‘forcing’ us to watch whatever she wanted to anyway, aka DragonBall Z or Sailor Moon. By taking away the paradox of choice, TV became this thing that we simply did together as a family activity, and my fantasies laid with the many fiction novels I could choose to read, instead. It also helped that my tolerance for movies and television shows lied within a small range of genres, since I could not watch anything scary, suspenseful, or action-related, unless I plan on not sleeping that night due to my wild imagination and tendency to have very vivid imagery prancing around in my head. I also disliked a lot of grossly romantic stories, while documentaries in those younger years bored me. So I only had cartoons or comedy to entertain me. Instead, I filled my time with books, from which I got my fair share of crime and murder mysteries, classic novels, and sci-fi fiction. By the time I was in high school, my life was filled with so many extra-curriculars, that I was hardly ever in the same room as a television screen.

Perks of a life without TV.

Upon deep thought on the topic of having a TV versus not having one, there were many reasons that I came up with as to why I do not want a TV in my home:

  • Frugality: TVs are expensive. No joke, but TVs these days are so expensive. No wonder people line out the door on Thanksgiving night for crazy slick deals. That’s not the life I want! TVs can easily cost over $1k. For the price of a small sized TV, you can get a projector that has a screen that would probably cost you $3k or more!
  • Frugality: Cable is expensive. Part of the success we’ve had in paying down $550k in student debt is due to the ways in which we have decreased our recurring monthly payments. We have NEVER had cable. I doubt we ever will. I would rather spend those few hundred dollars a year on things that are more meaningful.
  • Everything is online, these days. If we want to watch a show, we will just log into Netflix and look to see what they have. Mike’s dad has a Netflix subscription, which gives access to the gramps and grams, the parents, and the kids. If you are looking to do a subscription, may I suggest asking around and seeing if friends and family are willing to share access? Most likely, you will find someone who won’t mind, or a group of friends who would be willing to split the costs. It seems a bit wasteful for every household to pay for their own subscription.
  • Intentional Living: Avoiding commercials and consumerism. This is a big one! Firstly, does anyone else get bothered when the program is interjected with little mini-breaks? It ruins the flow of the movie, the suspense of the series, or my train of thought while watching a documentary. Secondly, those mini-breaks are ways in which companies can stream advertisements into households that promote consumerism. Steady streams of ‘updates’ as to the products out there can only induce one thing: the need to buy. Lastly, hidden underneath those ads are socially constructed ideas about what is ideal. Subliminal messaging about gender roles, racial stereotypes, ‘covetable’ status symbols interspersed with not-so-subtle messaging about an ideal lifestyle. I would like to avoid that all-together. Nothing warms my heart more than when mothers in our dental office change the channels for their little ones every time commercials come on because they refuse to allow their kids to be influenced at a young and early age by such propaganda. Go MOMS!
  • Intentional Living: Avoiding the news and negativity. Of a similar token, I absolutely dislike the news. Why? Not because I prefer to live under a rock. But I find that the news contains a disparaging amount of negativity bundled up in reports. I actually consider much of the news as not news at all. I recognize that all news is biased. There are motives behind each minute. The job of the news channels is not to keep one informed but rather, to keep one watching. That’s the truth of the matter. I am not less informed by not watching the news. And I am not stuck sitting on a couch thinking the whole world is falling apart. Instead, I am actively learning by other mediums, and more importantly, actively trying to create change in the every day. Instead of feeling like there is no hope, I see all the positivity in fellow, active citizens. I am motivated by the change others make and inspired by groups of people who are creating a better tomorrow, rather than sitting at home watching a worse yesterday.

Reach Your Dream Life Faster Without TV

The most important perk of not having a TV is that it takes away from “wasted time”. If you are having trouble reaching your life goals or catch yourself mid-sentence stating again and again that you “don’t have time”, maybe it would behoove you to analyze where your time is actually going. That is the first step to fixing the time problem. I am not here to hate on TV, because this applies to a great many things, like social media and video games as well, but what I am trying to say is that maybe there IS TV time that we can cut out of life in order to achieve bigger, better, dreamier things. Here are a list of a few things that you can do in lieu of TV.

  • Experience new things, like traveling to some part of the world, or discovering some street in your neighborhood that you’ve never taken the time to walk through before.
  • Learn something new, like how to play an instrument or how to speak another language. Likewise, learn something new that will get you towards reaching your dream faster, like how to invest and let your money work for you, or how to do household repairs on your own to get you closer to achieving the house of your dreams.
  • Strengthen your relationships. So many people I know lament not having enough time to be with people they care about. Cancel that two-hour TV time or that binge-watching session, call a friend, and spend some much-needed quality time.
  • Do ACTIV-ities. Have you been saying you need to get the gym for years? Cutting out TV can get you an hour’s worth of time, which will allow you to finally get that exercise in. And it doesn’t have to be a gym membership. Why not go to the park, throw a frisbee around, kick a soccer ball, and run with the family dog? Or go to the beach, play volleyball, swim in the ocean, and kayak in the marina. Whatever it is, your body will thank you in the future for putting in the active time instead of sitting lazily on a couch.
  • Do things around the home. Is de-cluttering on your to-do list but you can never seem to get around to it? Are there things to organize? Have you been wanting to make some home improvements, but you don’t want to hire an outside source to do them? Now’s the time!
  • Make extra money. Okay, sometimes we DO need money in order to fuel our dreams. So instead of complaining about the money we don’t have now, why not make extra money instead of fantasizing about other people’s lives on TV? There are so many side-hustles one can pick up, and many of them CAN be related to things you’re actually interested about.
  • Help others and make change. This, I think, is the most important and most rewarding. People always lament about “the world these days” with a slight shake of the head but nary an inclination to do something about it. I think that TV helps with that disposition of feeling like there’s nothing one can do to make an impact. But we must not ignore the power of small changes. The best things I have ever done is to try to help others, and the rewards have been plenty fold. On top of the gratitude, there is a realization that there are many others trying to make an impact as well for a better future. Getting out there and just doing is better than sitting at home and hoping. What I have learned is that the future IS a positive one, not a negative one like the newscasters would like for us to believe. Likewise, it lies not in our histories but in TODAY. How can we make the world different so that tomorrow is the world we want to see? I can guarantee it’s not by sitting at home and taking in what other people have to say. It’s by putting out there what YOU believe in.

How many hours do you spend watching TV or Netflix per week? Of the same token, how many hours of social media do you consume per day? Just like budgeting money, we can also budget our time. In order to start doing it wisely, start keeping track of where your time goes. You may be quite surprised at how many hours PER DAY you dedicate towards your screens. I hope this post gets you out there and one step closer to living the life you seek!

Freedom: From the Grind

Previously, I had written about why I chose to stay part-time on the blog, wherein I delved into the benefits of working less than forty hours a week. Sometime in between the writing of that post and today, I got carried away by a desire to reach a goal of ours, at a FASTER pace. It was an all-consuming drive, not too far from the push resulting from a desire to own more. Needless to say, I was swallowed whole by this need, and for a while, it did control a part of my life. Yesterday was the day I said ‘Goodbye’ to that lifestyle on the fast track to disaster. I regained my freedom from the grind! I share my story today, because I believe that we can learn from each other’s mistakes. While Instagram, Facebook, and other social media outlets are there to highlight the best moments of our lives in tiny square boxes and endless scrolling pages, there is a sort of disservice that we do to each other by ignoring the realities of every day living. There, you will see the freedom from the grind, but here, you will read the story about how I got there, lost my footing, and then returned, once again.

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The Desire for More

Embedded in our culture is this desire for more. We want more things in order to satisfy our “needs”. We want more friends, in order to feel loved and complete. We want more achievements in order to be seen as “successful”. Having more, culturally, is a positive thing.

Two months ago, I became obsessed with an idea. It’s an idea that has been brooding inside my mind since I was a young child. Socially ingrained, it was a desire for both a physical object and a psychological concept: which was a desire for a home. Additionally, I was very adamant on achieving another dream, which was, to open a coffee shop. Both required adding more. More work, more responsibility, & more loans (ick!). Additionally, it required more means to fund these dreams. So what did I do?

I voluntarily decided to add an extra day at work. Actually, I insisted on an extra day of work, and my boss warned me that I would get burned out, but he was kind enough to let me figure it out on my own. It didn’t take long for the stresses of a five-day and six-day alternating work weeks took a toll on my life.

The funny thing about adding more, is that in reality, you end up with LESS. I had less time for myself, and if you don’t help yourself first, you will have difficulty helping others. I was able to spend less time with people I cared about, which then put stresses on some relationships. I had less to offer to my patients, since my tired brain and body couldn’t perform to the best of their abilities. I found myself being pretty conservative about treatment, which is fine and good, but failing to give them the alternative of doing more for themselves also has its drawbacks. I had less patience, and poor Mikey got the brunt of all of that. I had less inspiration, since I was so brain dead after work. I had less motivation, since my body just craved crawling into bed every night. Most importantly, I felt less like myself. There was a rigidness to my body, a robotic beat to my motives, and a hollowness to my being.

What you see on Instagram are pictures of our adventures, accomplishments, and hobbies. What you don’t see (what we NEVER see) are the difficult moments. The nights of crying on the floor. The burning desire and the anger for anything that falls short. The zombie-like walk through the house. The frustration of having to do chores. The  mindless decisions we have made. The resentment one starts to feel for their work. These are things we never say. And why would we? People will start to think less of us.

After two weeks, I knew it was bad news bears. But I also knew that I had asked for this. So Mike suggested I try it for four weeks more. At three and a half weeks, I talked to my boss. Earlier that week, I had finished a day of work, only to realize at the end of the day that I had not diagnosed anything. “Observe, observe, observe.” It was a sign that I may have subconsciously been telling myself that I can’t add anything more to my plate. The next day at work, I had difficulty doing simple things. Extractions that should have taken ten minutes took thirty. Kids that I usually am able to do well with were crying. Inside, so was I. By Wednesday, I realized that it was really a mess. It dawned on me that I had not paid rent, which was due the day before. I have never missed rent in the entirety of my adult life. On Thursday, I asked for a day less. My boss, all knowingly, said he thought that was better for my health.

Having more is sold to us as something AMAZING! But is it really so?

The Benefits of Less

On the flip side, having less is seen as not so desirable. When I wrote about Intentional Living: Create Empty Space, I touched on our discomfort with emptiness, and our desire to constantly fill that emptiness. We are raised to “not settle for less”. But having less is arguably much more important than having more.

Having less gives you the freedom to pursue things that you want, or need. Having less gives you the space to create the lifestyle you want. Freedom from the grind restored a healthy balance to my life. I gained back so much of myself that I lost to the rigorous hours. I had a weight, that had just as much a physical impact as a mental and emotional one, lifted from my bony shoulders. I restored a healthy relationship with my husband, who I had been turning to every single day to pick up the slack that I had brought into the relationship due to my extra day of work. Most importantly, I feel as if I can breathe again. It’s important to take a step back and ask the question, “Am I working to live, or living to work?”

I asked for the extra day to work in order to live the life I want. Namely, in order to get a home and have a coffee shop. Ironically, the result was me giving up the life I want (namely, a slow, mindful and intentional life style) in order to work.

Restoring Balance

By taking away the extra day of work, I pretty much am re-instating my previous lifestyle. I am also setting aside that dream of opening a coffee shop. I was obsessed with opening a coffee shop by the following year, but I now realize that slow and steady wins the race. The dream of a coffee shop will have to wait for a few years. However, there are also exciting news ahead! We are currently working on securing a live-work loft in our community!! Our ideal place has always been a loft. Even before we got married, while we were still dreaming up our future life on an Ikea bed with bed bugs in a house infested with termites, we both said that a loft was our ideal space. We have been living in our current one for over two years now, and we love this community and this space. We found a neighboring one that is being offered for sale. So we are putting an offer, like, today! It has a business space on the first floor, which you know, is fantastic for any future business endeavors we choose to do. Meanwhile, our beautiful roomie has decided to stay (we want to keep her as long as we possibly can!), and that’ll still continue to be a win-win co-housing relationship. We are so excited for the future ahead. If everything goes through, we will have a loft, a home, a business front, and a beautiful roomie. All of this on top of paying down the massive student debt in ten years! So please, keep your fingers, toes, legs, arms, eyes crossed for us!

Lastly, we couldn’t have achieved any of this without:

Water Flossers: A New Sidekick

We all know that brushing our teeth is essential to having a wonderful smile. But as much as we are in denial, as much as we resist and kick and scream and throw a tantrum, the truth is that flossing is just as important at keeping our smile healthy. You know what they say; “Floss only the teeth that you want to keep!” It may not be what you wanted to hear, but if it’s any consolation, in the modern world, you have tons of flossing options. Today, we discuss the new and shiny water flosser, and how it compares to the old school way of flossing with string.

What Is A Water Flosser?

There are many names for the water flosser, such as water pick or jet floss. Whatever you choose to call it, it is an electric device that shoots pressurized, pulsating water at your teeth. Its mission: to remove bacteria, plaque, and food debris around the gums and from in between teeth. It has a water tank connected to a motorized pump, which is attached to a specialized tip that shoots water at an area that you wish to clean. Think of it as a miniature power hose, shooting right at the bad bacteria and yucky food debris, the culprits of bad breath, gum disease, and tooth decay!

Water Flosser VS String Floss: An Overview

Now that you know what a water flosser is, you may be wondering, “What’s the difference?” There are many differences between a water flosser and the traditional string floss. Before you choose which one suits your lifestyle and needs best, here are a few things to consider:

  • Price: String floss will be less expensive than purchasing a water flosser, however, you do have to replace it more often. A typical water flosser can cost anywhere between $30 and $70.
  • Ease of Use: String floss is fairly easy to use, but many find a water flosser to be far more convenient. Since they simply have to point the device towards the area they want cleaned, many people find this much more agreeable than developing a knack for guiding floss between the tight contacts and the unique angles of your teeth. Plus, for those who know they won’t use string floss, a water flosser can be a good alternative. It’s definitely better than nothing!
  • Electricity: Most of the water flossers require electricity and thus need to be plugged into an outlet. From a minimalist’s standpoint, if you already use an electric toothbrush or other electric bathroom devices, having yet another item on your bathroom counter could prove frustrating. Plus, water flossers are not exactly easily portable devices, which is unfortunate for frequent travelers, such as myself. On the other hand, string flossers can be carried around anywhere, and it’s a great habit to always have some in your purse or pocket!
  • Quality of Flossing: As a valuist, I always ask if a product is worth the money in terms of advantages. In other words, will a water flosser clean your teeth better than a string floss can? While this issue continues to be disputed, many dentists will argue that water flossers are great supplements to your oral hygiene routine, but that they cannot fully replace the effectiveness of a string floss used correctly. Speaking of which…

Can Water Flossers Replace String Floss?

Unfortunately, water flossers are fairly new and are just starting to be widely used. As with any novel product, it takes time to gather the data required to make a sound judgement about their efficiency. There is still a fair amount of debate regarding whether or not water flossers can be used to replace flossing the traditional way. Although opinions vary, most dentists (including myself) are not ready to confirm that a water flosser can entirely replace the string floss.

Clinical studies have found that people who used water picks saw a greater reduction in gum disease and gum bleeding as compared with string floss. So that’s good! A water floss is great for the gums because it sprays water and massages the gums, which then increases blood circulation in these areas. Increased blood circulation means that your body can bring anti-inflammatory factors to your gums more, which then reduces bleeding and inflammation of the gums. However, some studies have also shown that while water flossers can remove most debris and bacteria, it is not very good at removing plaque. The amount of pressure required to remove plaque is equivalent to the amount of pressure a power hose needs to remove paint! That’s a lot of pressure! Using pressure like that can be very harmful to the gums, which is why most water flossers recommend using the lower settings. Lastly, even though it appears that water flossers can improve gum health, it is not necessarily true for teeth. Some patients are surprised to find that they have cavities after ditching the traditional floss for the water pick. Why does this happen?

The reason is that, while water flossers shoot a stream of water between your teeth and does a great job of removing food particles and rinsing teeth, the string floss, with its scraping motion, does a better job at removing plaque. The scraping motion of the string floss is what removes plaque which, if left on teeth, can eventually become tarter and result in gum disease. Additionally, the water from a water pick cannot wedge itself between tight contacts. Food can easily get stuck right where two neighboring teeth touch. A string is much better at wedging itself in between the contacts and removing the food. For this reason, I believe that string floss is better at preventing cavities and is just as good at preventing gum disease.

Who Should Use Water Flossers Over String Floss?

While most dentists still recommend using string floss, it is true that there are some cases in which individuals will not be able to use string floss.

The following is a list of conditions that make it difficult for individuals to use the traditional floss.

  • Sensitive Gums. People with sensitive gums may find that water flossers are less painful and are more gentle than traditional string floss.
  • Braces. Trying to maneuver string around metal braces can be tough! Water flossers can more easily remove food lodged in between the metal wires.
  • Dexterity issues. Those who have trouble positioning their hands properly in their mouths for string floss will find that water flossers are much easier to use.

In these cases, water flossers take the cake and are a great alternative. It also rings true that for some individuals, they simply will not floss because they dislike it so much. If you are one of these individuals, may I recommend first trying other types of string floss, because some are easier than others. For example, an easy glide ribbon floss will have an easier time getting in between tight, crowded teeth, and moved very smoothly along your gums. If you are looking for a vegan alternative that is very good at removing plaque, I personally recommend Cocofloss. It is a great option for young kids as well, since they make flossing so much fun! That being said, if you know deep down that you really are not going to floss (maybe because you really just can’t get into the habit or can’t get the hang of it), then using a water flosser is recommended, since it is WAY better than doing nothing at all! Your teeth is going to thank you for it.

How about you guys? Which flosser do you prefer?

Intentional Living: Create Empty Space

A question was posed by a dear cousin of mine this week on Instragram: “How do people get good at the ‘mindful living’ thing?” Not easily. “Does it ever come naturally?” I find that no, it does not. It takes a lot of work, which makes mindful living intentionally slow. For myself, I prefer the term intentional living. In my personal journey, I’ve found that it’s quite difficult to do. Once in a while, I find myself slipping, too, getting caught up in life’s quick pace, getting tangled in the feels.

I figure we could all remind each other how it is that we get to intentional living. How it is that we slow down. Since it’s not something that just happens because we wish it upon ourselves, we need to remind ourselves to reset, and re-orient towards the path we want to be on. There is a process in making an intentional life, with actionable steps along the way. An experimental journey, there are little equations that are reproducible, just the same as with any science. Having this lifestyle requires creating an environment for this lifestyle. This is where I suggest we all start. Because without the proper environment, a mindful life will struggle to thrive.

The Challenge: Creating Empty Space

I discovered ‘slow living’ closely after I discovered the process of de-cluttering. It only makes sense that the two come hand-in-hand. The aftermath of creating space in my life resulted in a slowness. Something that was once filled now had an emptiness to it, and because of that, there was either an opportunity to fill it with more, or to keep it intentionally empty.

Becoming Comfortable with Emptiness

Poor emptiness! The word itself has this negative connotation around it. It seems as if we are all terrified of emptiness. We associate the word with having “less than”. I mean, just look around. Every surface in our homes is filled with stuff. We don’t want an empty shelf, or an empty table. We are uncomfortable with sitting in emptiness. We turn on a TV, we turn on music, we grab our phone, or we open a book. We break the silence. We do everything we possibly can to fill empty space. At least for myself, it was an almost immediate reaction.

Having empty space gives us a place for eyes to rest. Gives us space to expand, or to enjoy, or to feel peaceful. That space and time of nothingness is where we unpack things. It’s where we process thoughts and create ideas without being distracted. It’s the environment that we need to help facilitate all other modes of intentional living.

The challenge

Empty one surface in your home every week for a month. It may be a dining table, a bedside table, a coffee table. It may be a drawer or a shelf, in your closet or your pantry. It may be an entire wall wherein you remove all of the picture frames and decor hanging from it. Remove every single item on the surface you have chosen, and live with it empty for the entire week. It’s a practice to start to get you to feel comfortable in the emptiness.

The mindful part? Pay attention to your reactions to that empty space. Listen to the stories you tell yourself. Do you feel weird at having an empty dining table? Do you ask yourself if guests who come over will think your unprepared, or boring, or dull? Do you start to fear that others will think that you have too little, because a shelf is empty? Are you scared that people will think you don’t have enough things? Pay attention to the voice inside our heads telling us why we think there ‘should’ be things there. It’s a great start for realizing the motivations behind the stories and reasons that explain why we are so uncomfortable with the thought of emptiness.

Additionally, there is an added benefit to this experiment, and that is the realization of what stuff we actually miss and what stuff we don’t. Living with it for a week, you will soon see which things you hardly miss, and which things you miss dearly. It brings awareness to the items you actually value. So often, we live with stuff just because it’s there and that’s how it’s always been and we forget what their roles are in our lives (if there ever was such a role). Doing this experiment gets you asking questions and makes us more intentional about the things we keep. It gives you an opportunity to just put back the things you really like, or the things that you use.

“Have nothing in your houses that you do not know to be useful, or believe to be beautiful.”  – William Morris

And you could, as well, miss everything you put away, and that’s fine too. But this is when you should interject and dig a bit deeper and ask yourself, “Why is it that I miss the stuff I miss?” And if you enjoyed this process, maybe start to apply it to every surface. Just remember to take it slow, a week at a time, otherwise, you’re back to a fiendishly hyperactive life.

Graduate from Undergrad in Three Years and Save $$$

Are you in an undergraduate program trying to plan what classes to take? Or better yet, are you a high-schooler, looking far ahead into your future, trying to figure ways to save? Are you a parent trying to plan your child’s college career, with the hopes of giving them sound advice on how to avoid more student debt? No judgements if your child is still in a crib. In fact, a big pat on the back for you, for considering this stuff super early on! If you fall in any of these groups of people, may I recommend doing something that I myself did as an undergrad?

Try to graduate in three years or less, and save $$$!

Related Topics

The first step: Stop the Negativity!

You may be saying to yourself some of the following negative self-talk, but I want to address them now and talk you out of that nonsense. Nip it in the bud, so to speak.

Avoid the following negative thoughts:

  • “Graduating in three years requires a special program, which my school does not have.” Not true at all! I myself graduated from a four year undergraduate college, in a three year span of time. All you need to do is hit your particular program’s requirements, and that’s it! Just make sure to plan ahead.
  • “Only Einsteins and nerds finish early because you need to be very smart in order to graduate in three years or less.”  You need to be very organized to finish early, not necessarily smart. It may require a bit more effort, but it does not mean that some people are born with the ability to do this and others are not. Everyone should at least try. If you don’t end up finishing in three years, you should be just as proud to finish in three years and one quarter. Every little bit that you shave off of your schooling counts!
  • “Graduating early means I won’t have my FULL college experience! I will miss out on some of the fun my friends are having.” Actually, quite the opposite! Finishing school in three years freed up that last year when all my other friends were still in school. It gave me the chance to work three jobs, and I had a more flexible schedule than my friends who were still in college! While they had to plan for tests and study for exams, I was able to move my work schedules around to make time for lunch dates, or hang out nights. If anything, I was able to experience MORE than they did!
  • “What difference does an extra year make? Shouldn’t I just take classes that I am interested in or that I enjoy FOR FUN while I’m at it? What’s another couple of thousands of dollars?” If I could kick my young self for having this kind of mentality, I would. Back then, I did not understand the value of compounding interest. I did not have a sense of the value of time. I did not realize that something so small now, can make such a big difference later. The money you save from finishing undergrad early can be invested into something that will give you a higher return over time, rather than be taken out as a loan that will be charged interest over time. Instead of losing money, you could be earning money. Time is on your side, and investing early is the way to go!

Ways To Graduate Early

There were many things that I did to allow me to graduate one year early. If I had a do-over, I would do even MORE, to try to shave off a little bit more time. Here are some tips!

  • Take as many AP (Advanced Placement) or IB (International Bachelaureate) courses in high school as you can. I did the work in high – school. I took 11 AP courses in high-school. The great thing about these is that some colleges accept certain AP classes as credit towards general education college courses! I entered my first year of college as a “sophomore” and had first choice in which courses I wanted to take, which made it even easier to plan ahead!
  • Plan your course of action. When I entered college, I was given a list of classes that I was required to take in order to graduate early. I kept that list throughout my whole college career and when it came time to choose classes, I would simply go through the list and find classes that I wanted to take but were also required. It wasn’t until my final trimester (we were on the trimester system) that I took a class that was not a requirement, for fun. Why did I do that? Because it gave me the units I needed to be considered a full-time student, which had a flat rate and which actually made the tuition cheaper than if I paid per unit to be a part-time student. Go figure!
  • Take as many units as you can handle. The minimum units you need to be considered a full time student was 12 units. You can likely graduate in four years taking 12-15 units a trimester. But I had other plans. I was taking 16-20 units a trimester, and one particular trimester, I believe I took 22 units. The exception was my final trimester, where I took only 12 units, the minimum to be a full -time student.
  • Stay focused. You are here for SCHOOL. The biggest excuse I heard recited to not take more than 12 units at a time was that early twenty-somethings want to enjoy life. They don’t want to be focused on JUST school work. They want to have time to go to parties, hang out with their friends, make new experiences. But you are at college for school. Focusing on that doesn’t mean you won’t get those new experiences, or have a good time.
  • Don’t listen to the naysayers. When I told others that I was going to finish college early, there was a lot of pushback. In the early stages, I had a lot of people telling me it would be difficult to do, that I would stress myself out too much and hate college all-together. When that didn’t happen, they said that I was missing out. As it got closer towards the end of my college career, I started having people trying to convince me to stay. “Just take classes for fun!” To which I replied, “I’d rather live life, for fun.” Don’t listen to the naysayers who think you can’t do it. Don’t listen to people trying to convince you you’re missing out. And definitely don’t listen to those who try to convince you to stay even longer, and spend more money or take additional loans. The person you should be living life for is yourself, and your future self will thank you.

If you need further convincing, maybe math will do the trick.

Tuition Costs Saved by Graduating in 3 Years: $8,000

Additional Money Earned by Working 3 Jobs in the Final Year: $18,000

The Difference: $26,000, which I funneled into student loans and credit card debt. 

 

 

Frozen Sweet Latte Recipe

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

It’s summer in Southern California, and my frugal self can’t help but turn on the AC once the loft nears 90 degrees Fahrenheit. In a moment of weakness (I blame the heat), we went to our favorite local coffee shop in Santa Ana last Sunday, to reap the benefits of their AC in lieu of turning ours on. Which also is a confession for: we ordered coffee at a coffee shop, something we haven’t done in a while. Despite the regrets of spending $11 in exchange for two hours of AC time (we stayed until closing hour), we were introduced to a splendid drink, which they call the Frozen Sweet Latte.

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Hopper and Burr’s Frozen Sweet Latte

The drink comes from a slushie machine, and while $5.50 a glass seems like a steep price, the joys of sipping one of these babies as icy crystals twinkle on your tongue is indescribable. It’s enough to evaporate any heat wave (well, the AC in the shop helped). Regardless, once we had a taste of their medicine, we just knew we had to replicate it, or at least try. Hence, the sharing of a similar, but slightly different, frozen sweet latte recipe. Without a slushie machine, we made up for their textured ice crystals with a more distinct taste of espresso. Here’s how you could avoid paying for coffee, and sit through another hot afternoon in a blazing room.

Makes 6 servings

Things you need:

    • Blender – You’ll need a blender to mix all this goodness right before serving. Having worked at Jamba Juice for almost two years, a blender was one of the first things to go on our registry. No Annie Banks Mackenzie crying over a blender as a wedding gift here (Father of the Bride fans, anyone?). This is the one we own.
    • Scale – I own this one, because it weighs heavy-enough things for bread-making as well. I also like this because I can toggle between grams and ounces. Mike has this one that he uses for coffee exclusively, which is what we mostly use when measuring coffee bean and water weight. It is especially useful since it has that timer, essential to latte pulls and drip-coffee!
    • Grinder – The grinder plays a huge role in the quality of your brew (or espresso, or latte, or what-have-you). We used to just live with the results of a sub-par grinder, until last Christmas, when our gift to each other was a high quality grinder that has been spewing out delicious cups of Joe ever since.
    • Espresso MachineThis is the machine we’ve been using to sling espressos since before I knew what an espresso was. It’s a very affordable espresso machine, with is the main reason we chose it over others. One day, we will upgrade, but for now, it does the job.
    • Freezer safe bowl – Honestly, we just use a glass Tupperware to store the coffee in the freezer. We have a Tupperware set similar to this one.

Ingredients:

  • 1 cup of espresso
  • 1 cup of milk
  • 1/4 cup sugar
  • 6 cups of crushed ice

The Process:

  1. Pull 1 cup of espresso from the espresso machine. We had to pull approximately 4 espresso shots, at 20 grams of freshly ground coffee beans extracted at 25 seconds each shot.
  2. Pour the espresso in a freezer safe bowl. Add the sugar and mix until the sugar has completely dissolved.
  3. Add 1/2 a cup of milk.
  4. Freeze in the freezer for at least 8 hours.
  5. Thaw slightly in the fridge right before use. We placed it in the fridge for approximately one hour.
  6. Transfer to a blender with 1/2 cup of milk. Add 6 cups of crushed ice (depending on the consistency you want).
  7. Blend on high until thoroughly mixed. We still wanted some crushed ice pieces in there.
  8. Pour into 6 glasses. Sprinkle with freshly ground coffee.
  9. Enjoy with a metal straw.

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The Verdict:

Our version is definitely not as light as theirs, but if you really like the taste of coffee, the flavor stands out more in this version. If you could budget out $5.50 a glass, it’s still worth trying out their slushie machine version at Hopper and Burr. Really, the texture is better than ours! The owner, Severson, is doing other pretty neat stuff worth checking out too.