Yakezie Swap: What would you do if you were homeless?

A homeless person's shelter under a fallen Wil...Image via Wikipedia

This is a blog swap chain letter organized through the Yakezie network. There are 4 stops. Check out my post "A Homeless Plan to Guard Against Hopeless" at the next stop!

The following is a blog-swap guest post by CT, who formerly co-created Broke Professionals and now blogs about his freelance business and blogging at FreelancePF.com; CT's personal finance blog is debtpayer.com.
For this Yakezie BlogSwap, we had to state what we would do if we were homeless to try and get out of that situation.  I decided to write it as first-person narrative fiction.  I hope that makes it a little more interesting, although I feel nervous writing about a subject I do not know about.  What I realized while writing this is just how difficult of a predicament this would be to get out of.  And yet it is something that faces a higher percentage of our population than we would ever care to believe.  Please comment on what you would do in that situation.      

I wake up to the smell of piss.  My metropolitan jail stretches out above me in towering skyscapers--where those who still have jobs will soon be starting their day of work.  I view it all through windburnt eyes.
I start up 34th and hope for a miracle.  People either cross the road to avoid me or walk fast while looking away.  I am a spector--one of many.  The numbers are increasing every day. 
How did I get here?  The question is too complex and time is the only commodity I have.  It can't be wasted. You'll just assume I'm an addict or a mental case anyway.  The more important question is how do I get out?
Who's going to hire me?  Who would give me an interview?  What options do I have?
It's almost summer now and that's good.  I should stop walking to save calories--but what else is there to do?  I can't stay in one place too long before I start getting bothered.  My gut no longer rumbles.  It knows the drill.  
As I walk I see so many people. 
What is it about this city?  It's as though everyone became convinced there is nowhere else to live.  What promise does it hold for them?  The promise from past glory pays out less than the lottery.  I know it because in that way I am like this town.  Maybe I should save up what I can and move west.
Underneath a highrise where I use to live--and near where I used to work--I sit down and start contemplating my options.  Here's the way I see it:
I can go to a shelter.
I can go to the government offices and review my options.
I can sit out with a cup and hope for some quarters to drop.
I can beg for jobs--perhaps offer to work for some charity to start.  Save up for some clothes and shower in a public sink.  Do my best to score an interview and start making an "honest" living.  I just need a few things to go right.  If I want back onto the grid I will have to take action.
The libraries offer free computers and internet.  That might be a consideration.  It's better then what I have going right now.  I look  as homeless as I am and I do not have a hidden singing voice.  Expectations must be kept to a minimum. 
I trudge back to wear I woke up and am glad to make it through another day.  I huddle in my corner and think about previous lives. Then I reflect on this one: a lonely life amongst the masses.  But not without hope.


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Saving on a Wedding: Dollar Store

Wedding PhotographyImage via Wikipedia
by Andi B.

According to the knot, the average cost of a 150-person wedding in the United States is $25,000. Saving on a Wedding is our series on how to have a beautiful wedding on a tightwad budget.

Yesterday I was with a friend, shopping for wedding supplies at the Dollar Tree. While a wedding is a once in a lifetime (hopefully) day, you don't have to pay for that wedding for the rest of your lifetime. A dollar store is one way you can keep your budget in check. Items we saw yesterday:

  • Favor Boxes
  • Candy (They had special wedding buttermints that said "Thank you for sharing our special day.")
  • Cake Topper
  • Card Box
  • Baskets
  • Vases
  • Ring Pillow
  • Faux Flower Petals
  • Ribbon
  • Tulle
  • Bags
  • Even Garter Belts

Some of these items were even 50 cents. Many of these same items were five times as expensive at the local craft store. If you're willing to be a DIY bride and have a few friends to help out, you can save literally thousands of dollars on your wedding.

Let's take favor boxes as an example. A package of 12 favor boxes at the dollar store cost $4.00 at a craft store. For a 150-person wedding that means you can spend $13 or $52. Each of these expenses begin to add up. Utilizing the dollar store may require a measure of simplicity in your affair, or some creativity on your part to get exactly what you want, but the cost benefits are far and away worth it.
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It Can't Be That Expensive

Types of Fire ExtinguishersImage by sarflondondunc via Flickr
by Andi B.

Due to a personal baby scare last month, the cost of raising kids has been on my mind. Last year, the results were astounding. A middle income family could be expected to pay a little over $286,000 from birth to "outta my house." A high income family (over $98,000 before taxes) should expect to shell out over $475,000. This does not register for me.

First of all, I don't see at any point why the child costs more based on your income. That sounds like "childstyle inflation" to me. The child doesn't cost more because Nordstrom's Rack is beneath you.

Now some of this may sound snarky because I am not a mom, so I asked the person who I go to when I have a frugal parenting question...my mom, because I know my folks loved me, but they didn't quarter of a million dollars love me.

My mother reminded me that many expenses add up: food, clothes, field trips, and more. However, she also said that the amount of money spent on those items can be a matter of choice. For example, when kids are having rapid growth spurts it makes sense to buy clothes secondhand.

So I'm writing a baby emergency plan, and no, this has nothing to do with Dave Ramsey. This is a straight up "pull in case of baby" fire drill. Diapers, clothes, food, field trips, daycare, music lessons. Anything and everything I can plan on, I'm going to. My poor husband has no idea what's about to hit him.

And don't try to steal "childstyle inflation." You know it's awesome.
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Restaurant.com 80% Off (+ BONUS) Killer Deal Expires Today

by Andi B.

If you jump on Restaurant.com and apply code "BLOOM" to your checkout, you can get 80% off your gift certificate. That means a $25 g.c. will only cost you $2!! But it expires today, April 14, 2011. For a total bonus, you can also get 15% cash back if you link through Ebates.com, reward points if you link through MyPoints.
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Our $117 Playstation 3

by Andi B.

Thank you to Free Money Finance for hosting the Festival of Frugality and featuring this post!

Yes, you read that right. My husband finagled a PS3 for a grand total of $117. Last year, our anniversary present to each other was an Xbox360. We bought the 360 in a bundle pack and "saved" about $100. When my husband started talking about how great a PS3 is for its Blu Ray player, I just gave him the raised eyebrow.

A few months ago we were talking to a friend who was given a PS3 with a broken Blu Ray drive. He purchased the drive for $60 and repaired it. I looked at my husband and said, "I'm okay with that, but I'm not spending $300 for another gaming system."

So three weeks ago, my husband asked if he could purchase his co-workers PS3. "It has a broken drive and he only wants $60 for it." Around this time of year our xbox live accounts are due at a cost of $110. I can live without playing games with my family in California (almost), but I can't live without netflix. The Playstation allows access to services like netflix without an additional account charge. After my husband said that the drive would run $57, I told him to run with it. We were going to spend a little over $100 whether it was on xbox live accounts, a roku type player for netflix, or on this PS3.

Two weeks later, the drive arrived. Two days and several youtube videos later, my husband stood up, put his hands in the air and shouted "Steve Holt!" which meant success. We now have a completely working PS3...for a whopping $117. We were lucky that the timing aligned to allow us to purchase it, and that my husband is electronically handy.

I was struck by how frugality can mean being willing to take a risk. A lot of people wouldn't want to attempt what my husband did, but I guess when you want something bad enough and your wife gives you the eyebrow, you'll try almost anything.