What do you do with your cash rewards?

A colleague at work recently discovered how to stack grocery coupons and store sales together!! Holy Shit. Obviously this blew his mind. Fast forward several months down the road, tired of another detailed review of his most recent haul and savings, I casually asked…

“So, what are you doing with all this money you’re saving?”

Blinking. Stammering. Crickets.

Huh. Weird. Now this guy is an engineer. I was sort of expecting him to whip out a rev’d level drawing of some obscure plan that would make normal people go blind and drop dead. Nope. His entire plan is to buy stuff / save in a measurable way / gloat about it.

Sorry bud, not good enough. If I’m going through all that effort to do the saving, you bet your ass it’s going to pay me back in a bigger way.

Some of the cash rewards programs utilize PayPal. I have PayPal linked to a small account with my bank that I keep specifically for side hustle. It acts as a holding pen for transfers into Vanguard, or sometimes the stock market if I just can’t help myself. Ibotta is one example that offers cash via PayPal (and Venmo). There are a few others apps I use, but they are really just add-ons, for another time.

So what do you do with your cash rewards? I know you people are next level out there. Tell me your elaborate schemes!

I Wish You Would Soil Yourself

Soil improvement is a dirty garden center scam. They sell products in the spring, loaded with chemicals and weird shit that plants don’t understand. Treated mulches, formulated powders, liquid sprays, slow-release pellets, some cheap, some expensive, all for profit margins.

And what do you do every spring and fall? Clean up debris on your property before summer or winter sets in. And often pay to have it done & removed.

Seriously. Are you fucking kidding me.

Let’s get a grip on ourselves and figure this shit out.

So yard maintenance is basically a lot of cleaning debris and soil augmentation. Good soil makes good, strong, healthy plants. So if you have shitty soil, how do you get good soil?

Decomposition is the basis for this. It’s super simple, yet the science behind it is rather exponential, as it applies to the ecology and scale of your specific environment. Let’s go basic here, and we can explore more details in other articles.

Nature is all over this one. Imagine you are walking in the woods. If you wander off the trail, notice the ground is much softer, not compacted. So you squat down for a closer look. With a stick, you push aside the top layer of leaf litter. You see the remnants of last year’s debris, crumbling before your eyes. An army of insects is probably at work here. A little deeper, and you’ve hit the composted material. This is the good stuff. Dark, rich, fragrant, moist, and bursting with nutrients.

Ohhh yeah baby, you want that, don’t you? All that healthy goodness, for your plants, in your yard. *leans in close, whispers* You can have it. And its FREE. It just takes a little time. When you clean your yard debris, throw it in a pile. Now you have a compost pile. Now go away and come back next year.

Let’s get nerdy with what happened while you were away. But not too nerdy. Imagine the compost pile as a super-city you just built in the middle of nowhere. Like Las Vegas in the desert. Lets call it Soil City.

Nitrogen (green clippings) and carbon (brown leaves and twigs) are the framework on which this City is built. Oxygen and moisture are also key components. Together, these four elements form a powerful engine to fuel all the energy requirements of Soil City. Now this new fluffy pile of yard waste is waiting for residents and workers. “Build it and they will come.”

The first residents are the primary consumers. These are the blue collar workers, and they are here to stay. Millipedes, sowbugs, pillbugs, snails, mites and beetles all begin the shredding process and create more surface area for future processes. Soil City cannot function without them. Earthworms are the next round of newcomers to appear. They are like mid-management. They feast on the smaller, softer elements, and continue the degradation process. (Side-eye to real life)

All these critters do their part to aerate the pile. As they eat, grow and poop, they introduce more populations of bacteria and fungus into the City. These micro-organisms reproduce dramatically and are critical to the break-down process. The bacteria and fungus are the heavy machinery, which is weird because they are microscopic. Make no mistake, they are Legion. That is how they get shit done. Their arrival is like introducing the steam powered engine for the Industrial Age.

If the moisture and oxygen levels are too high or too low, these populations will lose most of their efficiency, or die off altogether, bringing your Soil City to a screeching halt. These are the biblical disasters – drought, famine, flood, etc – that happen in the real world. No good.

If you want to amp up the process even more, go ahead and throw a little shit on your City. See what happens. Adding manure is the equivalent of introducing electricity in the 1920’s. Micro-organism production skyrockets, soil structure and mineral supply improves, leading to better future plant nutrition. Fucking amazing, and you can hardly even see it happening.

Now what about you, the keeper of this optimized system? You are what municipal and state government should be. Your job is to keep Soil City functioning smoothly, help to keep the ecosystem healthy. Not too difficult or demanding as long as the correct resources are available. So keep a watchful eye, check in sometimes, not too much. (Unfortunately for humans, we keep fucking this up in real life, so maybe we should pay attention to a well-function system.)

Once you are in the habit, you’ll have a year-over-year supply chain in place. It’s really just a shift of decision-making. You have to keep your property looking nice anyway. Are you going to do it the shitty expensive way, which includes your time driving to the garden center and trying to make wavering decisions on what chemical shit to buy? Or are you going to do it the efficient way, which includes spending a few hours putting the good shit back into your ecosystem and feeling really fucking satisfied?

Nature is a badass. This composting shit is happening anyway, so you might as well get in on the action. Be intentional with your dollars. That includes where you choose NOT to spend. Keep your money, or better yet, invest what you don’t spend so it can also grow fat and healthy like your plants. Those big garden centers can fuck off with their specialty mulches and fertilizers and fancy shit. If you wouldn’t let your dog lick it, don’t put it in your yard.

Except the manure. That’s okay.

Oil on Paper

oil on paper, approx 12x18, monochrome landscape scene, painting is still taped to work surface

In the studio today, PhotoGuy and I had an Art Date. Since Valentine’s Day fell in the middle of the week this year, and we’ve both had demanding schedules lately, we carved out a different day to unplug from all that and do something we really love, yet never manage to do. Oil paint!

It has been years since we’ve played with oils. This is my trial run, still taped to the work surface. I can’t even explain how satisfying this felt.

That time I bought a casket…

I’m going to depart from my usual abrasive tone and get sort of serious today. This is a sensitive topic, and I’m sure to hit a few nerves for insensitivity. Please bear with me, because this is important.

Soooo… y’know… the old “death & taxes” thing? I see a lot of conversation in the FI community and personal finance blogs about tax strategies. This is awesome, it has huge repercussions. However, I don’t see a lot of conversation about the death part, except for “make a will” and such.

The fact is, death is part of life. We are all going to be touched by the death of others as we move through our lives. And sometimes, we may be called to handle the arrangements for someone who has passed.

The funeral industry has huge profit margins. The death of a person is a one-time event, and often highly charged with emotion. Perfect formula for specialty services and high end products.

Step back for a moment. Honoring the departed is important. However, that person no longer cares about the details anymore. Gatherings, ceremonies, arrangements… those are for the people who remain here, rituals to assist the grieving process.

Several years ago, I found myself in the position to make the arrangements for someone who had passed away. The person had not been spendy or extravagant in life, so it seemed natural to follow that trend with the arrangements. As I proceeded, I was astounded at the cost of things. I realized that adding the category of “funeral” to something made prices skyrocket. Much like adding the “wedding” label, I suppose. Anyway, I quickly started eliminating that word wherever possible as I continued with plans and arrangements.

Someone passed a tip along to me that really made a huge difference. And let me be extremely clear here – no affiliate links whatsoever – I just think this is really important:

With a CostCo membership, caskets or urns can be purchased at approximately half the price that a funeral home would charge. Sometimes not quite half, but still.

So here’s how it works: CostCo is partnered with Universal Casket Co. You can’t buy directly from Universal, but once you have the CostCo membership, you work with Universal directly. When I did this several years ago, the membership fee was $55. The casket I purchased was $849 from Universal, and $1599 at the funeral home I had chosen for the services. That is a $750 difference. So that $55 membership saved me $695. There is no CostCo within reasonable distance to where I live, so I never used it again, but it was worth every penny.

The funeral director started to look a little frowny when I told him about the casket arrangements I had made. He began to talk about the “package” of services they offer and how they handle every detail during times of grief, etc.

That kind of pissed me off. It made me realize exactly how much of a cold, calculated business transaction this really was to him. Experiencing grief does not turn people into incapable morons. Pouring oneself into the managing the details can sometimes be only thing to get you through that period of time with your sanity partially intact.

My point is, do your homework. Be informed. Know the rules. Funeral homes are obligated by law to accept delivery on your behalf from any source you have chosen. They are not allowed to “require” you to purchase the casket from their establishment, no matter how much they may suggest so, or play to your emotions. Be polite, but stand firmly by your decisions.

It has taken several years for me to feel comfortable to even bring this topic into conversation. I sincerely hope someone benefits from reading this. Maybe CostCo is not the only way to reduce outrageous funerary markups. What about headstones..? Floral displays..? Comments are open for more suggestions… please chime in!

Waterfall Photobomb

personal journal entry, 10x7 full spread, mixed media, waterfall scenes with small white dog photobombing
personal journal entry, 2014
10×7 full spread
mixed media: acryllic, photo transfers, waxed paper, found objects

Found this old journal page. What a lovely place to rest during a hot summer hike in the woods. Easily 10 degrees cooler by the water, and the fine mist cools your skin even more. Chip managed one of his signature photobombs, and later found a crayfish.

ibotta Review

OK, if you’re searching for “is ibotta legit” or “can i save money with ibotta” or some other shit, and you end up here, I don’t have any new facts or data to throw at you. If you want the dirty details and stats, look here and here and here.

I can tell you, I have been using ibotta starting in 2018 and am pretty happy so far. From April thru December, and I “earned” $191. Some of this was rebates, some was in bonus rewards. So over 9 months, that’s about $21 per month. I’m not even the primary grocery shopper in the house, but I was able to link into Amazon, where I do shop for household and pet supplies.

I am now in the habit of checking ibotta for promos just like I would check for digital coupons before I shop. This way, I can stack my discounts. After the sale, I scan my receipts into ibotta as well as a couple of other receipt tracking apps, which further compounds the rewards. (hint: a great “job” for kids to learn budgeting and organization)

If you want to sign up with my ibotta promo code ctdxgof, click here, and thank you!!

Keep in mind: If something is FREE, then YOU are the product.

That seems a little creepy, but there’s almost no privacy left anymore. So fuck it. I’ve had no issues with security.

So back to that $191, or $21 per month. That’s not going to dramatically change my life right now, but it is real money. If I found $21 in the couch or on the road every month, you bet your ass I would keep it, and keep looking for it. So I decided to make a long-term experiment. I funneled it into a Vanguard EFT, along with some other “everyday” savings during the year for a total of $440 in 2018. I’m looking forward to adding 2019 savings into the mix, and watching how it grows as the years go by. To me, that seems worth the effort upfront.

Brown Bagging It

delicious sandwich, chicken breast, swiss cheese, sliced tomato, avocado and baby spinach on multi-grain wheat bread, also showing apple and cashew butter

Check out this article I wrote for Business Insider about bringing my lunch to work Mon – Thurs. (On Fridays I intentionally eat out with colleagues, for multiple reasons.) I figure I save the equivalent of a mortgage payment every year. And yes, I do actually make the corresponding principal-only payments each month. Very satisfying!

Try

personal journal entries (2013)
(L) rugby try; (R) self portrait
5″x7″ each page, mixed media