Sometimes I actually think I’m a Republican. (I hope my mom can’t see this from her grave! A staunch Democrat, she’d be spinning for sure.)
I hope my in-laws don’t get wind of it either. They already are Republican and I resist giving them an edge in my political persuasion.
But honestly, how can we Americans stand our whiny self-centered selves? New polls out this week say 66% of us report feelings of “frugal fatigue.” We’re tired of being thrifty. We wanna spend again. Or more likely, charge again. We don’t wanna think or plan ahead. We want what we want, and we want it now.
The symptoms of Frugal Fatigue? You’ll recognize them: stress, anxiety, and sabotage.
Being conservative about spending is stressful. It requires us to look at our bank balances. Who wants to do that? It’s depressing. We must put pens to paper and subtract expenses before we go out to buy, buy, and buy. We’re supposed to start with net income (yes, net!); subtract rent or mortgage, subtract electricity, water, insurance, gas for the car…egad! Where’s my credit card?!
It’s easier and more relaxing just to go out and get what you want. Right? It’s soothing to impulse your way through Target. I love unpacking the varied items found (at good prices!) throughout the store. I’ll use this stuff! Come on!
Being frugal makes us anxious. If I shop with my friend, the impulse buyer, I am fretful for two reasons: At the rate she spends, she’ll never get to retire and hang with me during the lovely weekdays that working people pray really do exist.
And I’m uneasy playing the role of killjoy again. Terrific! I thought I retired from managing other people’s behavior. But no, she says she depends on me to stop her, to protect her from her impulsive self when what I really want to do is join her in a house wares spree! Lamps and rugs and pillows, oh my!
Third, those forced into frugality longer than is natural for human beings tend to sabotage their own efforts at living within their means. They put themselves among the Borg of retailers, like Cost Plus World Market or Old Navy, where resistance is futile. Where did you ever see such cute stuff at such reasonable prices? And it’s not for me! It’s for our nieces or our son or … okay this one item is for me. But the rest is for others! What’s imprudent about that?
Of course with our newfound weariness comes advice from the experts: How to overcome Frugal Fatigue.
1. Get a battle plan. Make an agreement with your partner about your spending. Of course, if opposites happen to have attracted each other in this aspect of your relationship, the plan may turn out to be one’s circumspection used to counterbalance the other’s splurges. Not a winning long-term strategy.
2. Be honest about vulnerable spending and set up roadblocks to it. Translated: Stay home. True shopaholics, genuine impulsers are susceptible to just about any good deal in any situation on any day. So just settle in like you’re snowed in. Serve hot chocolate in those darling demitasse cups you got at Pier 1 last week, on sale.
3. Pay cash. Yep. The experts say put debit and credit cards in the freezer in the garage and carry only $50’s and $100’s. Because it’s so painful to break large bills, they theorize, we will hold onto our hard-earned that much longer. What? Cash? Really? I don’t know if I can test this theory.
I have the symptoms of Frugal Fatigue. I want the economy to hurry up and get better so I can go out and spend selfishly, with at least a little bit of abandon, without guilt. In fact, I’ve heard that my spending will help the economy recover. So isn’t it my duty?
I should spend; I shouldn’t spend. Am I a liberal Republican breaking ranks, or a conservative Democrat who’s disgusted with herself?
A full 66% of us cannot suffer a spell of austerity without its end in sight. Like grounded teenagers, we don’t want to keep on restraining ourselves. No wonder our federal, state, and local politicians face such dire scenarios. They represent us.
We want our politicians to do what we’re weary of doing for ourselves. And we want them to do it while we cry and complain and threaten to toss them out if they do.
Whaddaya call that?
Showing posts with label wasteful spending. Show all posts
Showing posts with label wasteful spending. Show all posts
Thursday, March 3, 2011
Wednesday, February 9, 2011
We're Funding the Department of Redundancy Department
Our new old Governor, Jerry Brown, has set out in an earnest effort to reduce expenses, saying services may have to be reduced to close the budget gap. As he combs through the budget line by line, he might want to turn a miser’s eye to the state’s plethora of agencies.
Prompted by an emailed list from an outraged friend, my own visit to www.ca.gov/CaSearch/Agencies.aspx, found a directory of nearly 400 state departments, bureaus, commissions, offices, and agencies at our disposal, and out of our pocketbooks.
Now we are a state of more than 33 million people. We make necessary and worthwhile demands on the State to facilitate our daily lives; and in turn, its services to us require agencies. But 400?! Remember, each one employs well-trained and cheerful staffs who receive paychecks, benefits, and pensions. They’re set up in buildings with lights, plumbing, copy machines, and HVAC. It’s a pricey operation.
In fairness, there must be some overlap in the listings. An office might encompass a department and a commission, representing the same entity, but listed separately. For example, the
• California Department of Alcohol and Drug Programs,
• California Department of Alcoholic Beverage Control, and the
• California Department of Alcoholic Beverage Control Appeals Board.
At least we hope they are one and the same. Otherwise, the worst case scenario looms in the imagination. Each department sprang up in a different wing of the building. Each one ignorant of the other. Each with its own protocol, paperwork, personnel, and of course, budget.
Some boards, commissions and agencies could be combined:
• California Bureau of Automotive Repair,
• California Bureau of Electronics and Appliance Repair and the
• California Bureau of Home Furnishings and Thermal Insulation. (I know, this last one is a stretch, but really, where else would it fit?)
What about the California Political Reform Division and the California Pollution Control Financing Authority? Ok, I’m being flippant. But we do know that without reform, politics pollute.
Here’s a logical, money-saving combination: The California Hearing Aid Dispensers Bureau and the California Office of Deaf Access. They’d probably be glad to make each other’s acquaintance.
For the pragmatic, let’s combine the California Department of Mental Health and the California Department of Motor Vehicles (DMV). At the very least, they should sit next door to each other. That way, after a day in line at the DMV, you could get the mental health support you’ll need.
Surely the following two have enough in common that they could share offices. Rename some forms, and voila! The California Division of Communicable Disease Control and the California Division of Environmental and Occupational Disease Control become the California Division for Control of Diseases You Catch at Work, or Somewhere Else.
Some of these agencies seem obsolete; others appear frivolous in their creation, and superfluous in their ongoing operation. To wit:
• California Board of Barbering and Cosmetology --- What’s left for them to do?
• California Acupuncture Board --- What’s the point? (Sorry.)
• California Spatial Information Library --- Is that information about outer space, or parking lot design?
• California Bureau of Naturopathic Medicine --- Stop!
• California Committee on Dental Auxiliaries --- OMG.
In some cases, there exists no readily available evidence these agencies are doing their jobs:
• California Prevention Services --- What exactly are they preventing? Nothing of note. We all can name things needing prevention that go unchecked in this state: litter and bad manners come to mind.
• California State Legislative Portal --- We need a window on dysfunction?
• California State Legislature --- Yeah, speechless.
The California Office of Binational Border Health must be pretty busy trying to figure out how to revamp our immigration procedures and policies. If not, they should go ahead and get started. I don’t recall hearing anything from them, ever.
The California Office of Public School Construction won’t have much to do in the next few years. Maybe they could lend a hand to Binational Border folks.
One agency appeared on my friend’s list, but not in the State’s directory of agencies: the California Opinion Unit. Darn! We could use an office like that. But I doubt the Governor wants to open the forum. Not enough room in the inbox.
He’d have to create a companion agency: the Office of the California Department for the Commission on Opinion Response – Unit.
And if he did, he’d need to hire.
Prompted by an emailed list from an outraged friend, my own visit to www.ca.gov/CaSearch/Agencies.aspx, found a directory of nearly 400 state departments, bureaus, commissions, offices, and agencies at our disposal, and out of our pocketbooks.
Now we are a state of more than 33 million people. We make necessary and worthwhile demands on the State to facilitate our daily lives; and in turn, its services to us require agencies. But 400?! Remember, each one employs well-trained and cheerful staffs who receive paychecks, benefits, and pensions. They’re set up in buildings with lights, plumbing, copy machines, and HVAC. It’s a pricey operation.
In fairness, there must be some overlap in the listings. An office might encompass a department and a commission, representing the same entity, but listed separately. For example, the
• California Department of Alcohol and Drug Programs,
• California Department of Alcoholic Beverage Control, and the
• California Department of Alcoholic Beverage Control Appeals Board.
At least we hope they are one and the same. Otherwise, the worst case scenario looms in the imagination. Each department sprang up in a different wing of the building. Each one ignorant of the other. Each with its own protocol, paperwork, personnel, and of course, budget.
Some boards, commissions and agencies could be combined:
• California Bureau of Automotive Repair,
• California Bureau of Electronics and Appliance Repair and the
• California Bureau of Home Furnishings and Thermal Insulation. (I know, this last one is a stretch, but really, where else would it fit?)
What about the California Political Reform Division and the California Pollution Control Financing Authority? Ok, I’m being flippant. But we do know that without reform, politics pollute.
Here’s a logical, money-saving combination: The California Hearing Aid Dispensers Bureau and the California Office of Deaf Access. They’d probably be glad to make each other’s acquaintance.
For the pragmatic, let’s combine the California Department of Mental Health and the California Department of Motor Vehicles (DMV). At the very least, they should sit next door to each other. That way, after a day in line at the DMV, you could get the mental health support you’ll need.
Surely the following two have enough in common that they could share offices. Rename some forms, and voila! The California Division of Communicable Disease Control and the California Division of Environmental and Occupational Disease Control become the California Division for Control of Diseases You Catch at Work, or Somewhere Else.
Some of these agencies seem obsolete; others appear frivolous in their creation, and superfluous in their ongoing operation. To wit:
• California Board of Barbering and Cosmetology --- What’s left for them to do?
• California Acupuncture Board --- What’s the point? (Sorry.)
• California Spatial Information Library --- Is that information about outer space, or parking lot design?
• California Bureau of Naturopathic Medicine --- Stop!
• California Committee on Dental Auxiliaries --- OMG.
In some cases, there exists no readily available evidence these agencies are doing their jobs:
• California Prevention Services --- What exactly are they preventing? Nothing of note. We all can name things needing prevention that go unchecked in this state: litter and bad manners come to mind.
• California State Legislative Portal --- We need a window on dysfunction?
• California State Legislature --- Yeah, speechless.
The California Office of Binational Border Health must be pretty busy trying to figure out how to revamp our immigration procedures and policies. If not, they should go ahead and get started. I don’t recall hearing anything from them, ever.
The California Office of Public School Construction won’t have much to do in the next few years. Maybe they could lend a hand to Binational Border folks.
One agency appeared on my friend’s list, but not in the State’s directory of agencies: the California Opinion Unit. Darn! We could use an office like that. But I doubt the Governor wants to open the forum. Not enough room in the inbox.
He’d have to create a companion agency: the Office of the California Department for the Commission on Opinion Response – Unit.
And if he did, he’d need to hire.
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