My Most and Least Favorite Things About the Pittsburgh Airport

Welcome to the Pittsburgh airport, where mothers’ dreams come true and innocent lunch-eaters are assaulted by quotes promoting the evil that is consumerism.

Most Favorite!

Pittsburgh Airport Playground

The playground in Concourse C! Not all airports have these. (Cough, cough LaGuardia with your ridiculous cancellations and delays that turn 3 hour layovers into 7 hour layovers from hell with children and car seats and strollers in tow and nothing to do but order overpriced wraps from your iPads.)

Least Favorite!

pittsburgh consumerism

The wall of pro-mindless-consumerism quotes in the food court….

Pittsburgh airport wall of shame

…that are so wrong they’re sad…

pittsburgh airport disgusting

…and sometimes examples of internalized sexism.

 

*All photos taken with my Republic Wireless Moto X.*

Ever Consider Starting a Microgreen Farm?

Please welcome Chris from HealthSmartLiving.com. We talk about side hustles a lot in the personal finance community.  I’ve asked Chris to investigate an interesting business idea that might be of interest to everyone as it has low start-up costs, doesn’t require too much space, and could be a nice source of side income: starting a microgreen farm. Let’s see what he found out.

Today I want to introduce a couple topics which might be new to some of you, and pose the question:  is an area worth investigating as a possible side or even full-time business? I believe running your own mini hydroponic microgreen farm could be a perfect first home business. Let’s dive into just what a hydroponic microgreen farm is and run a few rough numbers to see if it could work for you.

What are Microgreens?

Microgreens are those little vegetable greens top chefs tend use to top their dishes. Chefs use various types of microgreens to add extra visual, textural, and flavor notes to their dishes. While they may look complicated, microgreens are simply vegetables harvested between the baby stage and sprout stage. There isn’t an FDA or legal definition of a microgreen, but they are usually about 1.5” in size and have grown just large enough to have the first 2 or 3 leaves growing out from the stem. This stage is reached in about 14 days for most plants.

What is Hydroponics?

Hydroponics is gardening without dirt or soil. In Greek it actually translates to “working water” because the ancient Greek hydroponic systems enabled them to divert water over their dirt less crops in an automated fashion.

Over the centuries and especially in the past 20 years, growers have created many different types of hydroponic systems but they all have a few common principles: grow tray, medium (dirt replacement), nutrient rich solution, and a reservoir to hold the solution. Today, the most commonly used media are clay pellets, perlite, peat moss, and rockwool. The perfect media should keep the plant roots moist but still allow the plant to breath.

Benefits of Hydroponics

• Uses 90% less water compared to soil gardening
• No weeds to pull
• Less fertilizer. Up to 75% less. Most fertilizer applied to soil is lost in water run off.
• Plants can grow closer together which is perfect for my small urban setting.
• Easy to grow inside by simply adding a grow light. (Here’s ten dollar homemade grow light.)

Why Hydroponics & Microgreens are a Perfect Match

Microgreens are a perfect hydroponic crop as its simple short growing cycle actually makes hydroponics easier than growing plants to full size. Given their super small size you can pack hundreds of microgreen plants into just a few square feet of planting space. Microgreens also don’t need external nutrition as the seeds themselves have enough nutrients to fuel their growth to the microgreen stage which lets you eliminate the traditional hydroponic reservoir and nutrient solution.

The 30 Second Guide to Growing Microgreens

Growing hydroponically is super simple. You sprinkle the seeds over the grow trays filled with your media and moisten with a spray bottle. Keep the tray covered until they germinate and then expose them to light for about another week. You should expect to mist your trays every day once they sprout. So did you get all that? No worries. I know that was a shotgun blast in just a couple of sentences. Hopefully that gives you the conceptual idea. If you want to see how to do it step-by-step along with some pictures check out my post last winter about hydroponic microgreens. Even if you don’t start your own business you can at least grow a few greens to impress your friends without breaking the bank!

Running the Numbers on a Microgreen Farm

Let’s first start with a caveat. These are estimates and assumptions. They aren’t perfect but they should be directionally correct. If you would like to explore this more you will need to complete a lot more due diligence.

Start-up Costs

Here’s a rough guide of what you should expect to invest before you can start seeing a return. This assumes you will have indoor space already available (greenhouse or basement).

  • 50 Growing Trays @ $2.00 = $100
  • Initial Seed purchase =$50 (This will provide you enough to grow about 50 sq feet of crops)
  • 10 CFL 150Watt Lights @ $5 each = $50
  • Media = $30
  • In-depth Guide = $50 (Optional but a wise investment)

Up Front Total = $280

Monthly Revenue

Every square foot planted should yield 20 pounds of greens per month (10 pounds, twice). The average price of greens is about $20/pound.

10 square feet = $4,000/month of revenue

Monthly Costs

  • 1 pound of seeds costs about $30 and will plant 20 square feet
  • 10 square feet of seeding costs = $30.00 (remember you plant every 14 days)
  • Soil replacement, lighting, and other plant care is about $4 per square foot each month.
  • Cost of growing 10 square feet = $40.00

Total Monthly Growing Costs for 10 square feet = $70.00

Net Profit/month after First Month= $3,930

Expected Labor

10 square feet of microgreens will require about 10 hours of work each week = 40 hours per month

Selling & Delivering:

  • Restaurants = 10 hours per month
  • Farmers Market = 12 hours

Total labor hours = 62 hours/month

$3,930/ 62 hours = $63 hourly wage

 

Conclusion

Microgreens are a high margin product and is a very good option to start a side or full time business. The key to success is to avoid product loss, minimize time required to sell the product, and ensure you have a consistent distribution channels.

 

Hey, it’s FF again.  I’m just wondering if anyone else’s jaw is on the floor right now? And seriously considering starting a microgreen farm in my living room.  Many thanks to Chris!  Be sure to check out his blog!

Financially Savvy Saturdays: 1 Year Anniversary!

cake smash

Awwww! We’re one year old!
Source

Financially Savvy Saturdays is one year old!  Thank you so much to everyone who has participated in the past year.  Barbara, LaTisha, Monica, and Alexandra helped this personal finance party get started, and since then we have only grown.  I’ve enjoyed meeting so many new bloggers and building community with those I’ve loved for so long.

Big News!

I started this party a year ago, running it every week.  It’s been a ton of fun, but my new schedule is kind of cutting into my HTML writing time.  This week I’m announcing the passing of the torch to Mel!  From here on out, she will be hosting every week with rotating co-hosts.  (You should totally contact her to sign up.)  Mel’s been a #finsavsat All-Star this year, sharing, commenting, and encouraging.  I’m so happy and honored that she’s agreed to take this on.  It was important to me that the party didn’t die, and it’s a relief knowing it couldn’t be in better hands.

THANK YOU, MEL!

I’ll still be participating every week, and can’t wait to read all of your great posts.

Let’s get this party started.

dancing

As this is the one-year anniversary, I have a challenge for all participants: let’s make this the biggest party yet.  There’s no doubt in my mind that we can do it with your help.  Share, tweet, encourage others to participate….just make sure to follow to follow the rules:

1. Your post must be written in the past seven days and not be a giveaway.

2. Be sure to include a link to one of your hosts by copying and pasting the html in one of the boxes below into your linked up post. You have the option of the button or a text link.

3. Follow your hosts. You can follow Femme Frugality on Google+Twitter OR by subscribing to her RSS feed via email. Also follow brokeGIRLrich on Pinterest, Facebook, G+Twitter, OR subscribe to her RSS feed.

4. Comment on at least two other posts that have joined the party.

5. HAVE FUN!

Be sure to check out the Feature of the Week before you link up!

Mel has chosen The Spunky Banker’s “Tweakin the Plan.” as this week’s feature.  Click on the picture below to read her great post, and remember, if you participate this week, you could be featured, as well!

girl with pink hair

 

 Please copy and paste this button into the post you link up:

brokeGIRLrich

OR copy and paste this code for a text link:

 <em>*Part of Financially Savvy Saturdays on <a href="http://wp.me/p3TJm1-zK" rel="nofollow">Femme Frugality</a> and <a href="http://brokegirlrich.com/?p=1468" rel="nofollow">brokeGIRLrich</a>*</em>


How to Survive an Unpaid Internship

business woman

Part of my college curriculum was an internship. It was unpaid. Despite the fact that we all knew it was coming at the end of our studies, many of my classmates were unprepared. They couldn’t support themselves without their jobs, which conflicted with the times they would have to be completing their internship. I’ve heard many other millennials complaining about lack of pay at their internships, claiming that the company they are interning with is abusing their work and the fact that it comes free.

There are two simple steps to be able to complete your internship and your studies, and still keep a smile on your face even when you feel like you’re being taken advantage of.

Read the rest of my post on Undergrad Success!

The Ethics of Saying You’re Native American for Scholarship Opportunities

There’s a story in my husband’s family that somewhere way back in their family tree, there’s a Native American grandmother.  Based on the area their family’s from I’d guess she was from the Seneca tribe.

I feel evil.  I feel awful.  But my first thought when I heard this was, “free college money for my kids?”

I looked into it a little bit.

There are several ways to get your education funded when you’re Native American.  Most tribes offer scholarships, but you must be a member of their nation.  This usually requires proving descent along with living on the reservation for a while.  The Bureau of Indian Affairs offers grants and scholarships.  Individual colleges also offer scholarships, and some states even require that colleges waive their student fees for Native American students.  If you were born in Canada and you’re at least 50% Native American/First Nation, you can go to US colleges and are eligible for the FAFSA as an eligible non-citizen, all without having to deal with INS.

In order to join the Seneca Nation, you have to prove your heritage, and have your line of descent be maternally unbroken.  So your mother’s mother’s mother until you reached the original, Seneca matriarch would be the one to link you to the tribe.  My kids are disqualified because it’s their father that’s (supposedly) descended from a (I’m assuming) Seneca great-great-times who knows how many-grandmother.

But, if I did the proper research, we could probably get away with ticking the “Native American” box on those college applications and seeing if the individual university offered our children any money.

But we won’t.

Because it is so wrong.  Taking advantage and only saying you’re Native American for scholarship reasons crosses that ethical line.  The reason those scholarships and grants exist is for the kids who are actually members of those nations.  They grow up with so many obstacles that my children will never face.  They grow up with a cultural identity that my children don’t.  To apply for those financial opportunities would equate to robbery.

That doesn’t mean I won’t research and do some genealogy to figure out who this Native American woman was, if she indeed existed.  I think all parts of my children’s heritage are important, whether it’s 1/2 or 1/64.  Because all of those family members going back were people, and who is going to dig their stories out of obscurity if not their own family members?

But when I find her story, I’m not going to exploit it to lower my children’s college tuition bills.

 

This guy is funny, and it wouldn’t be a waste of time to watch the whole thing, but the related joke is around 5:05 close to the end:

*Part of Thrifty Thursday, Friday Jet Fuel, and, of course, Financially Savvy Saturdays.*

My Unconventional Travel Emergency Fund: How I Use Credit Card Rewards Points

credit card rewardsThere’s been a lot of buzz in the personal finance community lately about credit card churning: getting free trips by applying for credit cards in order to get insane points via sign-up bonuses.  I love the idea, but I have a slightly different take on things.

I absolutely love travel.  I’ve had wanderlust since I was a child.  My parents moved around the country with their kids in tow.  New experiences, cultures, and people make me feel alive.  But that’s not why I signed up for my first credit card with travel rewards.

About a year ago, a family member of ours became severely ill.  The whole family was going up to see them.  Except our branch.  None of us were in a situation at that exact moment where we could pump money into an airline ticket.  It was devastating.  It wasn’t a family reunion we were missing; it was a potential goodbye.

And then a miracle happened.  One of my mother’s friends offered to donate her frequent flier miles to her.  The ticket wouldn’t be free, but suddenly it was affordable.  My mother was able to fly up and spend precious time that was slipping to the bottom of the hourglass. I literally cried night after night that we couldn’t be there, but there were also tears of immense gratitude and joy that my mother could, all because of one woman’s complete selflessness.

Another miracle happened.  That family member held on.  We were able to save up and fly my family, kids and all, up to see them.  My mom even got to come again.  But I knew that this could never happen again.  The fact of the matter is, families are so spread out nowadays.  Friends are so spread out nowadays.  We’re just one emergency and empty savings account away from missing some of the most crucial moments in each other’s life.  And that wasn’t okay with me.

So I signed up for a credit card.  I had dodged them for years, my fear of debt paralyzing me.  But I’m at a point in my life where I can trust myself.  I’ve spent my entire adult life without debt (aside from the occasional car loan,) and I knew I would pay my balance in full every month.

I now have two of them, and over 100,000 points across the two programs.  One of them I had to pay a totally worth it $85 annual fee to get the points, and the other I had to spend a minimum of $3,000 in three months (which we achieved by simply using the card only for our regular expenses, and immediately paying off.)  But those points aren’t really there for me to haul off to Europe or the Caribbean any time I please.  They’re there as a type of emergency fund.  The next time someone’s sick, the next time someone’s getting married (I missed out on my best friend’s wedding because of airfare costs,) I won’t have to give it a second thought.  Our family will hop on that plane and go.  Because the people in my life are important.  And knowing I can be there for the best and worst days of their lives wins out over even the strongest pangs of my wanderlust.

Unless, of course, something crazy happens with one of the programs and I have to spend the points before they get devalued and absorbed into another program.  But that’s a whole other post.

If you’re interested in accruing points, too, there’s a few things you must consider first:

  • Can you realistically meet the minimum spend requirement to get the sign-up bonus points, and can you do so while paying off your balance in full every month?  If not, then don’t do it.  The idea is to get the points for free, not to pay insane interest rates on them.
  • Will you be spending more than you normally would just to meet the minimum spend requirement?  If so don’t do it.
  • Have you had trouble with spending responsibly in the past?  If so, it’s probably not a good idea.
  • Do you know which card is offering the best deal?  Some websites have tools to compare card offers, like this one.  You don’t want to end up with points in a program whose future is in question, like I did. (My other points are 100% safe, though.)  You also want to make sure you know how much the points will be worth.

So spend responsibly.  Pay off your debts immediately.  Read the fine print.  Save up rewards. And have an unconventional travel fund ready to go should the worst (or best) happen.

Financially Savvy Saturdays: Fifty-First Edition

Welcome to Financially Savvy Saturdays, a blog hop created specifically for personal finance writers. We welcome all things money here. Whether you’ve written anything from your kids’ stock picks to repurposing a household item, you’re invited to link up. If it ties into personal finance, we want to read it!

Tweet about it. You can use #finsavsat when tweeting about the party!

Concerns about SEO?  Recently many bloggers have decided to stop participating in events such as Carnivals.  If you’re worried about how participating in this link-up could effect your SEO, I’d encourage you to check out this article.

Feature of the Week

I’m so excited about this week’s co-host, new-to-me-blogger, May from Messy Money.  I am absolutely obsessed with her writing, and she’s selected her favorite post from last week’s blog hop. This week’s feature is “Turning 28: Abandoning Self-Imposed Deadlines” from Stefanie at The Broke and Beautiful Life.   Click on the image to read her great post!

forgive yourself

 

If you submit a post, you could be featured in next week’s party!

 

We do have a couple of rules for participation. Those who don’t follow the rules will have their link taken down.

1. Your post must be written in the past seven days and not be a giveaway.

2. Be sure to include a link to one of your hosts by copying and pasting the html in one of the boxes below into your linked up post. You have the option of the button or a text link.

3. Follow your hosts. You can follow Femme Frugality on Google+, Twitter OR by subscribing to her RSS feed via email. Also follow May on BlogLovin’, Twitter, OR subscribe to her RSS feed.

4. Comment on at least two other posts that have joined the party.

5. HAVE FUN!

 

Messy Money

OR grab the text link here!

 <em>*Part of Financially Savvy Saturdays on <a href="http://wp.me/p3TJm1-z2" rel="nofollow">Femme Frugality</a> and <a href="http://messymoney.com/financially-savvy-saturdays-fifty-first-edition/" rel="nofollow">Messy Money</a>*</em>


Young Minds, Big Possibilities with Jump Start Sports

learning to play baseball

I’m really excited for fall.  Not so much for the husband going back to school, school for the kids, and the overall insanity of our schedule.  But one of our little ones is going to start playing sports.  We’ve done the plastic t-ball in the living room thing, and slam dunked with our Little Tikes basketball hoop all day, but this is different.  This is organized.  This is with other kids.  This is going to be great.

Or it’s going to be a total disaster.  I don’t know how my child will do on a team.  I don’t know if they’ll stay focused enough to do what’s required to actually play by the rules for an entire game.  But that’s why we put our kids in sports, right?  To learn how to be a good teammate, to work at something even when it’s hard, and to be a good sport.  All skills we need in order to be successful in life, even if we’re not the next Michael Jordan.

We’re going with Jump Start Sports.  (If you decide you want to get your kid enrolled too, tell them Femme Frugality sent you.  I don’t make any money, but it helps them track where parents are hearing about them.) It’s a pretty cool, and decently affordable, program.  In our area, prices start at $60 for a 6 week course, and that includes a t-shirt/jersey.  They are taught by trained staff coaches (with all the appropriate clearances,) which I think is awesome compared to what a lot of programs do at this age and have kids’ parents come in full of favoritism, and sometimes, unfortunately, ineptitude.  Right now they have programs across Pennsylvania, Ohio, Michigan, and North Carolina, and open registration for the fall.  Here’s a sampling of some of them:

sports team

Flag Football  Children entering grades 1 – 6 have a blast learning the basics of football.  Players are grouped by age, coached at their level of understanding, and play fun, low competition games under adult supervision. All instruction will be conducted by Jump Start Sports staff coaches. Players will learn the basic fundamentals of offense and defense, and will be introduced to speed and agility training. Parent coaches can assist in the instruction and will call the plays for their teams. Jump Start Sports staff will also supervise all games to ensure equal playing time, a rotation of players in various positions, and they will help teach within the context of the game.

Hoop Stars Basketball  Instructional and recreational basketball program for children in grades   1 – 2. Players are taught the basics of dribbling, passing, shooting, positioning, defense, and rebounding in a fun-oriented program. Then they apply what they’ve learned in low competition games.

Hummingbirds Soccer  3 through 6 year olds have fun and learn the basics of soccer: dribbling, passing, trapping, shooting, defense, and positioning. Each session consists of instruction in all aspects of the game, participation in fun drills that are designed to teach fundamental skills to young children, and low-key, non-competitive games. All coaching will be conducted by Jump Start Sports staff, but parents may assist.

Little Hoop Stars Basketball  Instructional and recreational basketball program for children in preschool and grade K. Players are taught the basics of dribbling, passing, shooting, positioning, defense, and rebounding in a fun-oriented program. Then they apply what they’ve learned in low competition games.

Rookie League Baseball  A fun baseball experience for 5 and 6 year old boys and girls. Players will receive instruction in all basics of the sport, and will apply what they have learned in fun games. All players begin the season playing T-Ball and are slowly introduced to Coach Pitch Baseball over the course of the season. The program includes both instruction and game play. The games will be non-competitive and no score will be kept, but hits and outs will be recorded as they are in older coach pitch programs. Players who are not able to hit a pitched ball will be able to use a tee while learning. Rookie League classes are 1 hour and 15 minutes long. Jump Start Sports staff members conduct the instruction and oversee the game play while volunteer team coaches participate in a detailed coaches training program provided by Jump Start Sports.

T- Birds T-Ball  A fun and highly instructional introduction to baseball for 3 and 4 year old boys and girls. Players learn the basics of throwing, catching, fielding, batting, and base running, and then apply what they have learned in fun, non-competitive games. Sessions are one hour long, one day per week, and include all instruction and game play in one outing. Instruction is conducted by Jump Start Sports staff coaches. Players receive a Major League Baseball hat, team tee shirt, and baseball medal. Volunteer coaches may also participate in a detailed coaches training program provided by Jump Start Sports.

What skills has your child learned from organized sports?

girls playing soccer

Reliving my Childhood: Lake Arthur Regatta 2014

lake arthur boat

A couple of weeks ago I wrote about my childhood visits to Morraine State Park.  On August 2nd & 3rd, they were having a free event up there:  The Lake Arthur Regatta.  I figured we’d take the kids up Sunday and have some family fun.

It stormed all morning.  The worst combination of harsh thunderstorms and unrelenting downpours that I’ve seen all year.  Kind of like when I picked the warmest weekend of this winter’s polar vortex to go skiing.

As the afternoon started creeping in, the rain started slowing (a relative term here,) and we decided to head up, fully expecting to have to turn around when we got there.  Turns out it was perfect timing.  As soon as we pulled into the parking lot, the storm clouds parted and the glorious sun beamed down again.  All was right on Lake Arthur.

morraine state park

 

The first place we headed was the kids’ tent.  There was so much to do!  We colored some Skippy Jon Jones masks provided by the Children’s Theater (sadly we had missed their performance.)  They also had some pretty rad tats.

regatta tattoo la

I helped a toddler use nails and wood glue to build what was supposed to be a heart basket.  (That was scary.  Especially the real hammer part.  But the little one was so proud of their work, it was totally worth it.  And I’m the one who decided it would be a good idea to help a toddler work with a hammer in the first place.)

kids woodshop

 

They even got an apron!  How freaking cute is this?

kids apron

They had rock climbing, which looked pretty cool, but I was a little busy chasing kiddos around.

rock climbing wall

 

It was so neat to look around and see things I had remembered from my younger days….people fishing…

morraine state park fishing

 

…people kayaking…

kayak lake arthur pa

 

…people enjoying the beautiful land and water to its fullest.

Before we left, we stopped at the picnic ground I remembered from my youth.  Everything was the same…the water, the sand, the sticks, the lawn…  Except for the trees.  The trees were much shorter than I remembered them.

But then again, I suppose I’m a lot taller than my parents remember me.

We left muddy.  We left laughing.  We left with childhood memories that I hope will last them a lifetime.

 

Money Tips From Mon Mari Frugality

It’s been a while since I shared the husband’s ideas for my blog.  In fact, last time he was still my fiance.  He was supposed to help me write a post this summer on the financial and gaming benefits purchasing a PS3 over a PS4.  But then when I asked him about it, I got shut down:

“It’s not MY job to write articles for YOUR blog.  I have enough writing to do during the school year.  It’s summer.  I have Final Fantasy to play.”

And I don’t blame him.  He pretty much went a year without playing video games during his first year at college.  So if that’s what he wants to do after the kids are asleep, more power to him.

I don’t have game system bargain tips to share, but I do have some other ideas he’s thrown at me over the past several months.  If you’ve never read one of these posts before, his ideas are usually not advisable to follow in real life.  Some are creative, but most he comes up with just to make me laugh.

1.  The Californian Basement-Dweller

We were discussing the Californian economy, and how although prices are higher, people generally make more money, somewhat equaling it out.  (Somewhat.  Pittsburgh is still one of the most affordable cities in the country taking into account local economy.)

So his grand idea is this:  grow up in California.  Live in your parents’ basement for years, even after getting a “real job.”  Then, move almost anywhere else in the country.  Now you’re rich.

Please feel free to point out the numerous holes in this plan. :)

2.  Wife, you don’t need Philosophy lotion.

For my birthday, all I really wanted was a purse-size bottle of Philosophy lotion.  One of the fun scents, not purfumey.  Didn’t think to look on Amazon, so we scoured TJ Maxx, Ulta and Sephora.  I came up empty handed, but that didn’t stop him from balking at the prices.  I have a huge thing of plain old moisturizing lotion from the grocery store that I use for my face.  So he called me out.

“You say you’re frugal.  And you want to be green so bad.  So why don’t you just wash out your old bottle and fill it with the grocery store stuff.  You’ll be saving the planet and money.”

Because it was my birthday, dammit.

3.  Recycling really is making a difference.

recycling  haul

Our most recent haul.

We started recycling a few months ago.  A couple of weeks ago, the night after we took a huge pile of blue bags to the curb, he looked at me and said, “You know what?  That was a lot of recycling.  It really does make a difference.  We used to just throw all that away and send it to the dump.  Imagine if everyone on our street did that.  It would be insane.”  We can see probably about 25 other residences from our home.  Only 2 others regularly put out recycling.  He has a point.

Then he told me I should blog about that.  So here we are.

4.  Invest in Something You Can Touch.

He’s got a bunch of opinions about the Fed and how they manipulate our money.  For that reason, he doesn’t trust the stock market.  He recognizes that a 401k or IRA is one of the best ways to save for retirement, in all seriousness.

But being serious would be no fun.  His advice?  Invest in physical items.  No, not real estate.  Things like statues.  And art.  And guitars.  The only logical explanation I was able to get out of him was the guitars.  He said you could buy one for $600, get someone famous to sign it, and then sell it for a lot more with a great ROI.

I have no idea how you’re supposed to flip a statue.

5. Become a sugar baby…in so many words.

And the crowning piece of financial advice from my husband: “If you want to get rich, here’s what you’ve got to do.  Get in with some rich people.  Get them to like you.  And be beautiful.”

That’s the Reader’s Digest, and clean, version of this one.  I won’t go into the conversation that ensued.  Let’s just say it was a bitter rant on his part, and that even he couldn’t keep up the farce of believing what he was saying.

For real, though…

These posts are fun.  But I don’t want to represent my husband as a financial idiot.  He’s one of the most hard-working and responsible people I’ve ever known.  He’s smart, and manages his money in accordance with that trait.  Those are some of the reasons I’ve fallen for him, but the other is that he makes me laugh.  So when I’m stressing out, trying to brainstorm content ideas, he throws things like this at me.  To help me realize that sometimes, it’s okay to just laugh.

Plus I’m pretty sure he’ll eventually buy me that Philosophy lotion.

Other Money Ideas From Mon Mari Frugality

Tips from When He Was My Fiance
His Idea for a Frugal Girls’ Night Out

Update!

 

 

*Linked up to Thrifty Tip Thursday, The Friday Five, and Friday Jet Fuel*

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