Tag Archives: Simple Living

Simplify your work-at-home life

This post will speak to a limited part of my audience, I know. But when I began working from home almost two years ago (seriously? has it been that long?), I made a lot of mistakes. It would have been nice to have some tips and advice from someone who had worked through all the challenges.

I have it much easier than many work-at-home parents. I don’t earn a full-time income. I earn money through advertising on this blog, and beginning in March, I will earn money as an adjunct instructor at the local college. Only four hours a week will be spent in the classroom; all of my class prep, grading, and other duties will be performed from home. While I can’t speak to the challenges of working full-time from home, I can share what’s worked for me when it comes to keeping work and home life separate when your home is your office.

Set boundaries.

When your desk is just a room or two away from your bed, it can be difficult to set limits on your work schedule. It’s easy to feel like you should be working all the time, and feel guilty doing anything that won’t contribute to your income. However, when you work from home, it’s more important than ever to create a schedule and stick to it. Carve out times for work, family life, household chores, and downtime.

I’m serious about the downtime.

Several months into my work-at-home career, I started to feel seriously burned out. Part of it was that I was caring for a newborn, but a lot of it was that I felt like I had to be on-call 24/7. I was checking my email day and night. I was staying up until all hours working on projects, caring for my son whenever he was awake, taking care of things around the house when he napped, and not taking a single second to just be. That kind of breakneck work schedule just isn’t sustainable, but it’s easy to fall into that kind of schedule when you work from home. Because you don’t have set “office hours,” it’s easy to feel like you have to work all the time. Be sure to schedule time off for yourself. At least a few hours a week should be spent doing something for yourself. Watch a movie. Take a walk. Get a hobby (and no, work doesn’t count as a hobby). Don’t feel like you have to be tied to your email all the time. You’ll return to your work feeling refreshed and more productive after you take a break.

Put yourself in “work mode.”

Just as it can be difficult to remember to schedule downtime for yourself, it can also be difficult to focus with home distractions. Television, kids, spouses, chores, personal phone calls, that bottle of red wine you’re supposed to be saving for the weekend but you really want to drink right now — all of these things can create distractions that make working at home challenging. The best way to combat this is to separate work from home as much as possible.

Ideally, you have some sort of space that functions as your “office.” Even if it’s just a desk in the guest room, when you sit down in your office space, you know it’s work time. Set specific “office hours” when you plan to be productive in your office space. Turn your phone on silent just like you would at the office. Turn off the television. Plan to work during a time when your children are napping, playing, attending school, or when your spouse can manage their needs. The freedom of working from home makes it easier to plan for productivity, because you can plan around your own circadian rhythm. If you’re a night owl, work late. If you’re an early bird, get to work at dawn.

Get out of the house.

I am not ashamed to admit that between taking care of my son, working, and keeping house, sometimes (especially now that it’s cold) I easily go through an entire day without setting foot outside. This isn’t good for me or my son’s sanity. As a rule, I try to get dressed in the morning (even though it’s usually jeans and a t-shirt), and get out of the house at least once a day. When the weather is nice, we went to the park. Now we go to the gym or the library or run some errands. If home is particularly distracting one day, head to Panera or Starbucks for a few hours. Even if you’re just getting out of the house to get out of the house, it’s important to feel like you’re a member of society sometimes.

Take a day (or two) off.

Unfortunately, one of the things you give up when you’re self-employed is paid vacations. But the nice thing about working from home is that you can work from anywhere. In a perfect world, you can afford to take time off for a vacation at least once a year, even if it means you’re answering emails on the beach. Even if you have to work on your vacation, one thing you shouldn’t compromise is a weekend. Most people don’t work 7 days a week, and neither should you. Take a real day off at least once a week. You may not be able to escape your inbox entirely, but you can spend time with your family, tackle personal projects, and recharge without feeling shackled to your desk.

How do you balance work/home life as a work-at-home parent?

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Simplify your menu

Menu planning is one of those things I take for granted now. For as long as Tony and I have been together, I have always sat down and written out meals for each day of the week, and then shopped based on that meal plan. It wasn’t always this way for me. In college, when I lived with a roommate and planned most of my meals for myself, I didn’t really plan at all. I went to the grocery store, picked up whatever looked good, spent way too much money for one person, and felt like I had nothing to eat two days later. I don’t even remember what that’s like now, but it sounds like chaos!

Even if you’re single, menu planning is crucial if you want to eat healthy and frugally. Poor planning is one of the main reasons people end up spending money on unhealthy food at a drive-thru in the middle of the week. Either that, or you end up like me in college with a cart full of expensive food and “nothing to eat.”

There is most certainly room in the menu plan for eating out if you like, but the point is to plan for it. Know when you’re eating at home, what you’re eating, and when you want to go out for dinner.

Here’s my simple menu planning system. Feel free to share your ideas in the comments!

Start with the sale ad for your local grocery stores.

If you get a Sunday paper, chances are the ads are included. If not, check the grocery store’s website. Our local stores are Kroger and Meijer, and both stores offer easy online access to their weekly sales ads. I pull them up and look for deals that pop out at me and inspire menu ideas. Meats, cheeses, and produce items can all inspire menu ideas. If beef is on sale, I’ll make spaghetti with meat sauce. If chicken is on sale, I plan for chicken dishes and stock up my freezer. If cheese is on sale, it’s homemade mac and cheese or broccoli cheddar soup. Not only does buying what’s on sale save money, but it can make coming up with meal ideas easier if you’re inspired by the sale items.

Plan around your weekly schedule.

I always keep my weekly schedule handy when I’m planning meals for the week. If it’s going to be a busy day, I plan an easy meal. For laid back days, I may plan to try something new and a little more complex. This also prevents me from planning a meal for a night that we have dinner plans. If your menu works with your schedule, you’re more likely to stick to it instead of abandoning the plan for pizza.

Keep a list of tried and true favorites.

Even though there are some dishes we’ve been cooking forever, I always seem to get a form of writer’s block when it’s time to plan the menu. To combat this, I keep a list of our favorite dishes saved on my computer with links to the recipes. Some simple meals get repeated a lot (homemade pizza, burritos, roasted chicken, and grilled cheese sandwiches, for example). Some are reserved only for special occasions (like my mom’s delicious but labor-intensive lasagna). Keeping the list handy makes it easy for me to write a quick and dirty menu if need be.

The Internet is your best friend.

I am not exaggerating when I say that every time I plan a menu, I marvel at how people did this before the Internet. I guess that’s what all those cookbooks collecting dust on my bookshelf were for? Sites like AllRecipes, Food Network, and Pinterest make it incredibly easy for me to search for meal ideas and try new things.

I must confess that Pinterest (follow me here) has replaced all other recipe sites for me in the past few months, though. I have separate boards for Main Dishes, Crock Pot Meals, Side Dishes, Snacks, and Desserts. Every time I see something that looks good, I pin it on the appropriate board. I also pin recipes I see around the web on my own boards. When I’m looking for ideas, I just have to scroll through the Main Dishes board.

A word of advice: I see lots of people splitting their food boards into incredibly specific categories — soups, sandwiches, entrees, etc. I don’t recommend doing it that way. One board with all of your dinner ideas makes it easier to scroll through without clicking around to several different boards and looking for what you need.

Share the menu with the whole family.

Since my husband and I are currently the only family members who get a vote, I always email the menu to my husband right after I finish planning it. I also write it on a dry erase board that hangs in our kitchen for easy reference. This may seem redundant, but you would be amazed how often we completely forget the menu we just planned within minutes of returning from the grocery store. Displaying the menu lets everyone know what you’re eating and when, and serves as a reminder when you need to thaw the meat or begin preparing dinner earlier for more complex meals.

When all else fails, eat leftovers.

If money is tight or you’re struggling to come up with a meal, leftovers night is a great way to clean out the fridge without emptying your wallet (heh, see what I did there?). Let’s be real, though: leftovers night is also a great excuse to order a pizza.

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Simplify your money

At the start of the year, my friend Kacie inspired me to explore new options for simplifying our finances and bill pay process. I’m still working out some of the details for these new systems, but I’m going to share them with you here, in addition to the systems we already have in place for simplifying. Be sure to share your ideas in the comments!

Go paperless.

If you haven’t done it already, chances are you think about it every time you open a paper statement and see the words, “Go paperless now!” My advice is to just get it done. To keep a record of statements, open the electronic version when it becomes available and save it as a PDF on your computer. You’ll feel better without all that paper mail bogging you down, and it will simplify your filing system, too.

Automate your budget.

Rather than manually tracking expenses in a spreadsheet or on paper, sign up for a service like Mint.com. Mint will automatically track and categorize your spending. With very little management, you can see a complete picture of your spending and budget categories as well as charts showing you whether you’re on track for meeting your monthly budget limits.

Automate your bills.

Kacie has been working on this herself, and it inspired me to figure out a system that works for us. Right now, I navigate to each bill’s website and pay each bill online individually. I like the immediacy of paying online through the site, because I receive a confirmation immediately, and then it’s done.

I don’t like automatic electronic funds transfer, because it basically gives the payee unlimited access to your account forever. (I learned this the hard way when our previous health insurance company continued debiting our account for 4 months after we canceled the policy despite the fact that I elected to stop automatic debit months before we canceled. I eventually had to file a fraud claim with my bank and have them blocked from my account, at which point they sent us a letter notifying us that they were canceling the policy due to nonpayment. PFFT. FINALLY.)

Check with your bank to see how their automatic bill pay system works. Setting up each individual payee will be a pain the first time, but then it’s done and you can pay each bill through your bank’s website with a single click.

Split your paycheck to even out pay periods.

My husband is paid twice a month — on the 15th and on the last business day of the month. I try to balance our bills so that we’re paying about the same amount in fixed bills from each check, but our mortgage payment really throws that off. If we were extremely disciplined, this wouldn’t be an issue. We could just leave the surplus from the other check alone, and use it in the next pay period. Unfortunately, that’s not usually what happens. What happens is we see that surplus in the first check, and we overspend for the first two weeks of the month. Then at the end of the month after the bills clear, things are really tight until the next pay day. It’s annoying.

Kacie came up with an idea that will remedy this problem, and I’m going to give it a try myself. She decided to add up all of her fixed bills (mortgage, utilities, etc.), and have half that amount deposited from each paycheck into a separate “bill pay” checking account. The remainder of each check will be deposited into a different account for daily expenses like gas, groceries, and other purchases.

For example, to make things simple, let’s say you earn $2000 a month. Your fixed expenses total $1500. Everything else is $500 a month. After paying your fixed bills, you have $400 left out of the first check and only $100 left out of the second check. Under Kacie’s system, you would deposit $750 from each check into the bill pay account and $250 into the daily expenses account. Now you have an equal amount for daily expenses each month, and your fixed bills are covered no matter when you pay them.

It might sound complicated, but I like the simplicity of having the same amount for expenses in each pay period. The symmetry will make budgeting much easier.

Pay the bills on pay day.

To combat the confusion of tracking a million different due dates, pay bills just twice (or once) a month. Every pay day, I go through and pay all the bills that are going to be due in the next two weeks. I have a list that I work from, so I know around what time the bills will be due even if the actual date fluctuates by a day or two. Once I pay all the fixed bills, I know that whatever is left in the account is available for day-to-day expenses.

How do you keep your finances simple?

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Quick and easy ways to feel less cluttered

It seems like I’m always battling clutter of some kind. Papers stacked up on the table and desks; boxes of stuff I’ve been meaning to sell or donate for months; junk mail; random things that don’t have a place, so they just sit out in the open driving me nuts. When my environment is cluttered, even simple tasks can feel overwhelming. With the holidays fast approaching, I’m craving some peace and tranquility. So I’ve been working on getting the worst of my clutter under control.

Here are a few problems I’m looking to solve. Some of them are easy — I just have to motivate myself to do it already. Some of them require some creativity, and I’d love to hear your suggestions.

Get paper clutter under control.

I think most of us struggle with paper clutter to some degree, but our problem is pretty extreme. At any given time, my English professor husband is buried under 50-200 student essays and papers. When they overrun his desk, they end up on the kitchen table, the coffee table, and even the living room floor.

Thankfully, he’s mindful of how crazy this drives me, so he only scatters essays when he’s in the process of grading them, and he puts them away when he takes a break. But with so much necessary paper around, I feel more sensitive about the unnecessary paper. Junk mail, old bills, coupons, magazines, and other junk stack up and make everything seem less tidy. Here are a few strategies I’m trying to employ to get it under control:

  • Deal with junk mail immediately. It’s easier said than done, but I need to start sorting mail immediately when it comes into the house and putting junk straight into the recycling bin. I have enough paper to sort without making things worse by keeping junk around.
  • Create a paper sorting station. As much as I hate it, there is a certain amount of paper I have to keep around at least for a while. I need some sort of solution for sorting and organizing it so I can keep it off my kitchen table. I’ve seen lots of options on Pinterest, and I’m trying to figure out the best way to handle it. If I keep things sorted, it will make it less complicated to organize it and keep it under control.
  • Go paperless when possible. I pay all of my bills online, and I don’t have any real use for paper bills. Just like the marketing emails, I need to be proactive about eliminating this paper clutter completely. In the coming weeks, I’m going to start signing up for paperless billing for every bill I possibly can.

Unsubscribe from marketing emails.

Judah is almost one year old, and I still receive annoying pregnancy-related newsletters in my email inbox. I also receive newsletters for stores where I have no interest in shopping. It’s overwhelming to wake up to 50 new email messages, and 45 of them are junk. Plus I’m always afraid I’m going to miss something important, because it’s buried in the junk. I’m resolving to hit “unsubscribe” on marketing mail that doesn’t interest me rather than just putting it off by deleting it.

Tidy up.

I’ve gotten a lot better about this in the past few weeks, and it’s done wonders for my sanity. I deep clean the house once a week, and I take a few minutes three times a day to keep it tidy. It’s simple enough to walk through the house and put things where they belong a few times a day, and it makes the house feel clean throughout the week even though I don’t have time to clean intensively. I also do the dishes three times a day instead of once in the evening, which seems to help me feel more organized.

Just do it.

We have things laying around the house that we’ve been planning to do something about for months or even years. There are items that we’ve moved three or four times that we never use. Every time I see them, I think, “I need to donate or sell that.” But then it gets shoved into a closet or under a bed, and I put off dealing with it for another 6 months. I need to suck it up and take care of that stuff already. All it does is take up space.

What strategies do you use for conquering clutter?

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Simple ways to feel more organized

When Judah started bebopping all over the house a couple months ago, I felt like I lost a good chunk of useable time during the day. He suddenly started sleeping less, and he wanted to be moving constantly — which means I have to watch and chase him constantly. It’s hard to get anything done when he’s awake.

I’m not ashamed to admit that housework took a backseat. My to-do list took a backseat. And yes, this blog has taken a backseat. Eep.

I’m working on getting it together, though, and there are a few things I’ve implemented to make me feel and seem more organized — even on the days when I’m anything but.

Create a daily routine, and try to stick to it.

Things seem to go more smoothly when Judah and I stick to a basic routine. Play time, meals, naps, errands, and chores are all penciled into our day at roughly the same times every day, so we both know what to expect. Judah seems happier when we’re on a schedule, and I feel like I get more done when I adhere to a routine. There’s room for variation, but certain constants keep us running on schedule.

Keep things tidy.

Housework is one of the first things to fall to the back burner when I’m pressed for time, but a messy house makes me feel even more chaotic. For the past couple weeks, I’ve been cleaning a little every day instead of doing major cleaning on the weekends. By keeping our living areas (the kitchen, living room, and dining room) tidy, I just feel better and more organized. It also leaves more time for relaxation on the weekends. This same principle can be applied to your work space. Keeping your desk tidy will help you feel more focused and productive.

Schedule some downtime.

No matter how hectic things are, I try to reserve Judah’s morning nap time for quiet time for myself. I read, blog, email, or sometimes even nap during that time if we had a particularly rough night (ahem, teething). Taking an hour to myself every day helps me recharge and feel more focused so I can be more productive throughout the day.

Write it down.

I rely on my iPhone for pretty much everything. Appointments, reminders, and other odds and ends are programmed into my calendar, and I receive an alert to remind me of things. I would probably lose my head if it wasn’t attached to my body, so these reminders are crucial to keep me from missing important dates and appointments. If you prefer pen and paper, a planner or calendar can do the same job.

Know when to quit.

Sometimes after I finally get Judah to bed, I want to keep going and finish what’s left on my to-do list, but I know I’m too drained. When you hit a wall, tackle the last crucial things, but leave odds and ends that can wait until tomorrow. If you push yourself too hard, you’ll spend every day feeling exhausted, and it’ll lower your overall productivity. Instead allow yourself to quit when you know you’ve had enough. You’ll start the next day with more energy, and hopefully that’ll give you the bump you need to finish what you didn’t get to the day before.

What tricks do you use to fake it when you’re feeling unorganized?

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Kicking the habit of using unnecessary household products

Habit has always been one of my biggest money drains. There are a lot of expensive things that I buy just because I always have, but when I really think about it, I could probably survive without them. I’ve already broken my habit for a few of them, but I’m still working on others. Here are a few of the things I came up with:

Paper towels

I’ve been trying to break my paper towel habit for years. They’re so expensive, and they’re bad for the environment, and yet I can’t seem to kick them. Over the past few months, I’ve tried really hard to decrease my dependence on them. I now use a dish towel to dry my hands, and I use a sponge for most household cleaning. For some messes (like sanitizing the counter after working with raw meat), I still prefer a paper towel that can be thrown away. But I’m saving money by reducing our consumption of this expensive convenience item.

Fabric softener

For years, I spent money on fabric softener sheets without really thinking about it. When we started using cloth diapers, we read that fabric softener residue can coat the washer or dryer and damage diapers, so we kicked the habit cold turkey. I was shocked to discover that I didn’t miss fabric softeners. At all. My towels are just as fluffy without them. My laundry may not have an artificial fragrance now, but I don’t miss that enough to warrant spending the money on them.

Individual cleaning products

There was a time when the cabinet beneath my sink was stocked with 20 different cleaning solutions. Kitchen cleaner, toilet bowl cleaner, shower cleaner, mopping solution for the floors, and so on. Then I realized it’s all basically the same thing. I consolidated my cleaning supplies to a bottle of Lysol and a bottle of bleach. I’d like to kick the chemical habit all together and switch to vinegar, baking soda, and good old fashioned soapy water instead, but I’m working through the rest of these two bottles. I may still keep a bottle of bleach in the garage for really messy jobs, though.

Convenience foods

I used to spend a lot of money on snacks and frozen meals and other convenience foods. These items were one of the first things I dropped from our grocery list when we started living frugally, and I never looked back. They’re expensive, unhealthy, and I didn’t miss them one bit. We have fun crafting similar foods from scratch, and our grocery budget is much lower without them.

What household items have you learned to live without to save money?

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Crock pot cooking saves time & money

I’m suffering from a lack of inspiration this week. I’m tired. Judah is teething. Things have been a little rough lately. So forgive me for phoning it in a little on this one, but lately I’ve been having a love affair with my crock pot.

I’ve always thought of the crock pot as a fall/winter thing, but my love affair with mine started during this summer’s intense heat wave. We were having issues with our air conditioner, and the house just wasn’t getting as cool as we wanted. We couldn’t bear the thought of turning on the oven, and my husband (the cook in our family) didn’t want to stand over a burning stove top in the kitchen. Enter the crock pot.

We started buying large cuts of meat, slow cooking them in the crock pot, and using the meat in dishes throughout the week. Sandwiches, salads, soups, quesadillas. The possibilities were endless. Now as we enter the cooler season, I’m thinking about soups and stews and roasts and other winter comfort food that will be a snap to prepare in our beloved crock pot. It makes me wish we’d started using the thing years ago.

Here are a few of the reasons why I love it so much:

It’s easy.

Just chop and drop your ingredients in the morning (or before you go to bed), and when you get home dinner is ready to serve. Simple!

It uses less energy than the oven.

Even though the crock pot cooks for longer, it doesn’t use the massive amounts of energy it takes to heat an entire over to 300-400 degrees. So it will lower your energy bill (slightly).

It doesn’t heat up the kitchen or the house.

While most people think crock pot = winter comfort food, we started using ours in the summer time to avoid the heat generated by the oven and stove top.

It allows you to buy and cook cheaper cuts of meat without sacrificing flavor.

The process of slow cooking breaks down and softens up cheap cuts of meat that would otherwise be tough. That means you can stretch your grocery budget and still eat delicious meals.

It makes the house smell glorious.

There is nothing better than walking in the door to a house the smells of delicious roasted meat or soup. Trust me.

You can make more than you think with a crock pot.

I have an entire pinboard on Pinterest devoted to crock pot cooking, and I’ve been shocked at how many different recipes you can make. It’s not just soup and roasts. The crock pot can make it easier to prepare pasta dishes, casseroles, dips, and even drinks and desserts.

What’s your favorite crock pot recipe or web site? I’m always looking for new ideas!

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3 simple things you can do right now to improve your state of mind

This post was originally published on July 16, 2009.

to do list

Sometimes when my to-do list is a mile long and I’m short on time and feeling overwhelmed, I feel like if I can’t finish everything right now I’m going to lose it. Don’t you hate those days?

Well, when I’m having a day like that, there are a few things I do to immediately make myself just a little calmer. That little bit of perspective is usually enough to allow me to get it together and get things done.

If you’re feeling overwhelmed, here are some easy things you can do to get it together:

Clear your space.

Even if you don’t have time for full-fledged cleaning, take some time to ditch the clutter. I’m talking about the papers on your desk at work, the weeks of junk mail and magazines piled up on the table, and the breakfast dishes in the sink. My husband uses the dining room table as an office, which doesn’t bother me, until he gets a few days worth of papers stacked up all around him.

Take five minutes to clear the space around you. Get rid of the clutter, throw the papers into the recycling bin, and put the little nick nacks back where they belong. This includes your email inbox. Go through your emails, tackle the easy stuff with a quick reply, and add more involved tasks and responses to your to-do list. You’ll feel better instantly.

Make a list.

Now that your space is clear, take a few minutes to prioritize your to-do list. If you’re anything like me, your to-do list is scrawled in no particular order or, worse, stored in your brain. By making a physical list, you can not only prioritize and visualize what needs to get done, but you’ll get the satisfaction of crossing off your accomplishments.

I usually try to tackle the most difficult tasks first, but if you’re already feeling burned out, it may help to start with something easy to help you recharge. Find an order that works for you, and take a moment to evaluate your list and determine the best way to get everything done.

Take a walk.

I know, it seems counterproductive to take a break when you’re already short on time. But sometimes you just need to remove yourself from the stressful situation and take a time out to gather your thoughts and your sanity. I write a lot in my job (and of course for this blog), and sometimes I’ll spend two hours looking at a blank screen before I get up and take a break. After a quick break, I often come back and finish the project in 30 minutes because I’ve had a chance to gather my thoughts.

If you can’t take a walk, at least take a few minutes to take some deep breaths. If you feel tied to your to-do list, it’ll only make you feel resentful and you won’t be as productive. Remind yourself that you’re in control of the situation, and you can take a break if you need to. When you return, you’ll likely be more focused.

What do you do when you’re feeling overwhelmed?

Luxury vs. necessity: Are Americans confused?

Over the weekend, I found this interesting study from Pew Research on a blog I read. Survey respondents were asked to rate how necessary different household devices are to their lives and whether or not they consider them to be luxuries.

Respondents answered the question “Do you pretty much think of this as a necessity or pretty much think of it as a luxury you could do without” for the items on the right. I find the results shocking.

I wasn’t surprised to see that 86 percent of people consider their car to be a necessity. Depending on where you live, it can be pretty difficult to get around without a car. It’s sad to me that more communities haven’t embraced public transportation, but since I now live in one of them, I have to admit that our (one) car is pretty much a necessity for us. Without it, my husband wouldn’t be able to get to and from his job, which pays the rent and buys us groceries.

I was surprised, however, to see that more than half of respondents rated their home air conditioning and clothes dryer as a necessity. Really? Don’t get me wrong, I love air conditioning as much as the next person (especially now that I’m pregnant), but I also recognize that it’s one of the most decadent luxuries we enjoy in this country.

I’d say the same for my clothes dryer. Is line drying convenient? Not always. But it is something that everyone can do. And if you’re not willing to line dry, chances are you live near a laundromat.

I’m equally shocked that 47 percent of people think their cell phone is a necessity, 45 percent of people don’t think they couldn’t live without a microwave, 42 percent think their television is a necessity, and 21 percent even consider their dishwasher a necessity. And don’t even get me started on the 23 percent who think cable TV is a necessity or the 10 percent of people who can’t live without a flat screen TV. That is insanity.

These numbers show just how confused a lot of people in this country are when it comes to what they really need. I’d consider pretty much everything on this list a luxury. Do these things make life easier for us? Yes. By definition, that’s what luxuries do. They make life easier and more comfortable. But we don’t need them to survive.

It’s scary to think that so many people are confused about the difference between what’s necessary and what’s convenient. For necessities, we have no choice but to find a way to afford them. Things like food, clean drinking water, shelter, and medical care. But when you believe that things like air conditioning and clothes dryers and cable television are necessities, it’s harder to give up these luxuries when money is tight.

What do you think? Do you find this poll as shocking as I do?

Chart courtesy of Pew Research