The Value of Being Neighborly

I’m a day late and a dollar short on this blog. This year, I intended to spend time on the weekends and post each Monday. We’re still in January and I’m already posting a day late. I’m not exactly a dollar short though – I’m actually up a few dollars, unintentionally. Let’s dig in – or rather – out.

We’ve had some snow here in central Ohio. I love the snow. I embrace it and the cold of winter. I could handle longer daylight hours in the winter months, but I’ve largely found that the more I embrace the winter as it comes, the more I get out of it. A few years ago, I noticed my better half was increasing her distaste for winter weather. As such, I started scheduling time for us to go out into the winter weather while appropriately dressed for the conditions. What’s that saying? “There’s no such thing as bad weather, merely bad preparation.” Something like that. I’m happy to report, dear reader, that my diabolical plan worked. I wouldn’t say that my wife Melanie embraces the cold and snow like I do – yet – however, she has found a joy for downhill skiing and figures out how we can make time for it.

Snow and cold don’t work for everyone though. The slippery conditions can be hazardous to the less mobile and arthritic joints don’t love the colder temps. So I recognize that my embrace of winter is not the same for everyone at all stages of life. Last night, I saw a couple of neighbors post on our neighborhood Facebook group that they needed help shoveling their driveways. After I took care of my chores at home, I had time to either write a Monday blog post, or help my neighbors. I chose the latter.

I reached out per the message’s instructions and confirmed that no one else had agreed to help. After all, I don’t want to get in the way of some industrious middle- or high-schooler looking to make some valuable spending money. After confirming that my neighbors did not have any scheduled helpers, I told them I was coming to take care of their driveway. They immediately asked about payment. “No charge,” I simply replied. They politely protested. “I must pay you something.” “It is too late for you, don’t come in the dark.” I smiled and walked down with my snow shovel and quietly got started. I was already dressed in my cold weather gear from walking our dogs, so I was honestly enjoying my time out.

Two-thirds of the way through the job, the garage door opened. A venerable Indian man walked out to greet me with cash in hand. I politely protested, “I just want to be a good neighbor.” “Please,” he replied. “I won’t sleep if you don’t let me pay you for your efforts.” Now that I’m a bit older and marginally wiser, I handled this situation with a touch of poise. Younger Troy would have not taken the money and perhaps said something that took away from the dignity of the situation. Instead, I deferred and took the money. I don’t need the money, nor do I want it. However, not taking it would have made the other person feel indebted or obliged – also not what I wanted. So, I ended up getting my target step count per my fitness tracker, I helped a neighbor in need, I got some joyful time in the snow, and I earned a few unintended bucks. Well worth a late blog post!

Now the question is what to do with the money. I’ve put it in my sock drawer for now and plan to use it as ‘seed money’ to do something else positive for the neighborhood. Maybe if I shovel enough driveways this winter, I can buy some extra flowers for the flower bed at the entrance of our neighborhood in the Spring. It will be a fun, neighborly experiment!

In Pursuit of Zero

We have two kids in college at the moment. One is finishing up, the other is taking off from her first year like a rocket, jumping from Freshman to Junior by way of a full load and a summer semester abroad in Ireland. Having had children early in life by modern metropolitan standards, I didn’t have time or the extra funds to save for college. However, I hold firm to the commitment that my children should not come out of college saddled with debt, so… yours truly is paying for college. As I watch the student debt totals climb, I begin to get uneasy. I know I can pay it off in a reasonable time, but I do not like owing money. The only logical conclusion is to reduce spending in order to funnel more money towards the debt. Hence, “in pursuit of zero.”

Having read up, watched movies, and listened to podcasts on the topic of minimalism, I am wise in the ways. There is a mental shift that has to take place in order to buy less. We get settled into our routines like morning coffee at Dunkin Donuts (yes, this part of America runs on Dunkin), grabbing a bite at the cafe for lunch, or closing out a long work week at happy hour with friends. All of a sudden not doing those things when your income level hasn’t changed feels a bit like punishment. I also find that I tend to buy things whimsically – especially when life isn’t going as expected. Frustrations at work? Oh, I think I’ll work on my upper body and core strength with a new set of gymnastic rings for the garage. To be fair, I do use my new toys. But in reality, I don’t need them.

So it is with essentially no fanfare that this weekend I kick off a fresh pursuit of zero. I’ll start with some analysis of where I’ve been spending my money – this is always a hoot. From there I’ll look for opportunities to reduce subscriptions and then set ground rules for spending like: “No takeout coffee.” Even if I can free up an extra $50 a month to redirect toward paying down debt, I’ll call it a win. While I won’t post exact dollar figures here, I’ll check back in in a future post to report any progress.

On a related note, I find that Cait Flanders’ The Year of Less is the best book on moving toward frugal living. What I thought would be an exercise in throwing stuff out and setting rules about shopping a la Marie Kondo turned into a deep analysis of the factors that drove Cait’s consumerist behavior. While I don’t have much in common with Cait, I applauded her candor and honesty, which inspired me to get out of some of my own mental ruts associated with spending.

Cheers!