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	<title>Worthwhile Living &#187; Finance</title>
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	<link>http://www.worthwhileliving.com</link>
	<description>Personal Development Ideas to Make What You Do More Worthwhile</description>
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		<title>Updated Shopping List</title>
		<link>http://www.worthwhileliving.com/2006/03/18/updated-shopping-list/</link>
		<comments>http://www.worthwhileliving.com/2006/03/18/updated-shopping-list/#comments</comments>
		<pubDate>Sun, 19 Mar 2006 00:56:58 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Productivity]]></category>

		<guid isPermaLink="false">http://www.worthwhileliving.com/blog/2006/03/18/updated-shopping-list/</guid>
		<description><![CDATA[<p>I&#8217;ve gotten some good feedback about my original post about Saving time at the supermarket with a shopping list.  I spent some time revising the shopping list to help in a few ways:</p>
<p>1) Now I have the week&#8217;s menu on the list itself.  Before I would write the menu on a sticky, but now <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.worthwhileliving.com/2006/03/18/updated-shopping-list/">Updated Shopping List</a></span>]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve gotten some good feedback about my original post about <a href="http://www.worthwhileliving.com/blog/2006/03/06/saving-time-at-the-supermarket-with-a-shopping-list/">Saving time at the supermarket with a shopping list</a>.  I spent some time revising the shopping list to help in a few ways:</p>
<p>1) Now I have the week&#8217;s menu on the list itself.  Before I would write the menu on a sticky, but now I find it&#8217;s nice to reference the menu in the store in case I think of something else I&#8217;ll need to go along with it.<br />
2) I&#8217;ve added boxes for all the stores I might shop at.  I do shop sales sometimes, so if an item I want is on sale at a particular store, I&#8217;ll buy it there.  And I found that I don&#8217;t buy much at King Sooper anymore as we&#8217;re pretty much converted over to natural foods, which I get at Vitamin Cottage.</p>
<p>Here is the revised shopping list, in Word and PDF formats:</p>
<p><a href="http://www.worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list-1.doc">MS Word format:Shopping list-1.doc</a></p>
<p>PDF: <a href="http://www.worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list-1.pdf"><img src="http://www.worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list-1-tm.jpg" height="100" width="129" border="1" hspace="4" vspace="4" alt="Shopping List-1" /></a> <a href="http://www.worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list-1.pdf">PDF Format</a></p>
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<p style="text-align:right;font-size:10px;">Technorati Tags: <a href="http://www.technorati.com/tag/Money" rel="tag">Money</a>, <a href="http://www.technorati.com/tag/Productivity" rel="tag">Productivity</a>, <a href="http://www.technorati.com/tag/shopping" rel="tag">shopping</a></p>
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		</item>
		<item>
		<title>Saving time at the supermarket with a shopping list</title>
		<link>http://www.worthwhileliving.com/2006/03/06/saving-time-at-the-supermarket-with-a-shopping-list/</link>
		<comments>http://www.worthwhileliving.com/2006/03/06/saving-time-at-the-supermarket-with-a-shopping-list/#comments</comments>
		<pubDate>Mon, 06 Mar 2006 10:52:41 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Productivity]]></category>

		<guid isPermaLink="false">http://www.worthwhileliving.com/blog/2006/03/06/saving-time-at-the-supermarket-with-a-shopping-list/</guid>
		<description><![CDATA[<p>I created a shopping list that saves me a tremendous amount of time when shopping.  It&#8217;s organized by store, and by aisle in the store.</p>
<p>At home when I use something up, or will need something in a recipe, I write it down in the aisle where it will be found.  Then, when at the <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.worthwhileliving.com/2006/03/06/saving-time-at-the-supermarket-with-a-shopping-list/">Saving time at the supermarket with a shopping list</a></span>]]></description>
			<content:encoded><![CDATA[<p>I created a shopping list that saves me a tremendous amount of time when shopping.  It&#8217;s organized by store, and by aisle in the store.</p>
<p>At home when I use something up, or will need something in a recipe, I write it down in the aisle where it will be found.  Then, when at the store, on my old shopping lists, I&#8217;d have to scan and re-scan the list to see if something I need is in the aisle I&#8217;m in, but now I just look in the section for that aisle.  Simple!</p>
<p>This also saves money because I only buy what&#8217;s written down (with some exceptions for things I know I&#8217;ve forgotten, or stuff I find on good sale.)  Without a list, I&#8217;d often just &#8220;browse&#8221; to fill the pantry, and buy a bunch of stuff we didn&#8217;t use often.</p>
<p>Over the several months I&#8217;ve been using it, this list has really saved me time, and made shopping easier.  I never have to backtrack in a supermarket to get something from an aisle I&#8217;ve already been through because I just noticed something on a list.  Saving that frustration alone, makes this list worthwhile.</p>
<p>I&#8217;ve attached the current version of my shopping list in both Word and PDF formats.  Obviously you&#8217;ll probably have to modify these for your stores, but it&#8217;s a start&#8230;<br />
<a href="http://worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list.doc">MS Word Format: shopping list.doc</a></p>
<p>PDF: <a href="http://www.worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list.pdf"><img src="http://www.worthwhileliving.com/blog/wp-content/uploads/2006/03/shopping%20list-tm.jpg" height="100" width="129" border="1" hspace="4" vspace="4" alt="Shopping List" /></a></p>
<p>Note about the organization of the list: I mainly shop at three stores, and they&#8217;re represented in different spaces on the shopping list.  I tried to arrange the stores in the actual order of the aisles to make it even easier.  You&#8217;ll note that the &#8220;Whole Foods&#8221; section is just one big box.  This is because I usually buy everything I can at Vitamin Cottage (where it&#8217;s 10-20% cheaper than Whole Foods), and then if I can&#8217;t get something there I buy it at Whole foods.  The &#8220;Whole Foods&#8221; box is just for the few things that I know I&#8217;ll buy there.</p>
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<p style="text-align:right;font-size:10px;">Technorati Tags: <a href="http://www.technorati.com/tag/Money" rel="tag">Money</a>, <a href="http://www.technorati.com/tag/Productivity" rel="tag">Productivity</a>, <a href="http://www.technorati.com/tag/shopping" rel="tag">shopping</a></p>
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		</item>
		<item>
		<title>Frugal vs. Cheapskate</title>
		<link>http://www.worthwhileliving.com/2006/01/06/frugal-vs-cheapskate/</link>
		<comments>http://www.worthwhileliving.com/2006/01/06/frugal-vs-cheapskate/#comments</comments>
		<pubDate>Fri, 06 Jan 2006 19:31:26 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://www.worthwhileliving.com/blog/?p=13</guid>
		<description><![CDATA[<p>Ok, I&#8217;m the first to admit that I&#8217;m a frugal person, and that I consider this to be a virtue. But sometimes I go too far and become a cheapskate.  Being a cheapskate is not Worthwhile Living.  Here&#8217;s an illustrative story:</p>
<p>Last summer we went to Water World, a water-oriented theme park, with lots of <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.worthwhileliving.com/2006/01/06/frugal-vs-cheapskate/">Frugal vs. Cheapskate</a></span>]]></description>
			<content:encoded><![CDATA[<p>Ok, I&#8217;m the first to admit that I&#8217;m a frugal person, and that I consider this to be a virtue. But sometimes I go too far and become a cheapskate.  Being a cheapskate is not <em>Worthwhile Living</em>.  Here&#8217;s an illustrative story:</p>
<p>Last summer we went to Water World, a water-oriented theme park, with lots of rides where you get wet on each one.  A whole lot of fun.  One of the great things about Water World is that you can bring your own picnic, so you don&#8217;t have to pay their prices for the greasy food they offer there.  </p>
<p>Along with the several families we went with, we set up a picnic area; claiming a piece of grass on one of the lawns for our own.  We&#8217;d leave our stuff there all day.  But what to do with the keys to the car?</p>
<p>Here&#8217;s where the cheapskate (and maybe even the worrier) in me becomes apparent.</p>
<p>Waterworld has nice lockers to rent for 50 cents.  Cheap! But they&#8217;re 50 cents each use.  What if I needed to get in there more than once? Why, that&#8217;s a whole dollar!  What about leaving the keys with the rest of our picnic stuff? NO way, I&#8217;d be worried that someone would take our stuff.  And then I&#8217;d lose the key.  How would I get home?!</p>
<p>So I elected to keep the key in the pocket of my bathing suit. I&#8217;d taken the key for the car off the ring and left the rest of the keys (to the house, etc.) in the car itself.  So, I put a single key in my bathing suit pocket, closed the little velcro on the flap and hoped for the best.</p>
<p>Throughout the day, I checked to see if it was still there, and it was &#8230; up until after the last ride.  Thereafter ensued a frantic search for the key. We never found it.</p>
<p>A friend had to bring me home to get a spare key, then drive me back.  I finally got home with the car many hours later.</p>
<p>Then I had to replace the key.  It&#8217;s not a normal key, but a transponder key.  (A neat theft-preventing technology that makes it so only the right key will start the car even if the teeth on the key are correct.)  So the key is expensive.</p>
<p>The key cost $300 at the dealer.<br />
It cost $60 at a local locksmith.<br />
It cost $15 at ebay.</p>
<p>I ended up getting a replacement key from ebay.  That&#8217;s being frugal.</p>
<p>Through this episode, I&#8217;ve learned that there&#8217;s a difference between being <em>frugal</em> and being a <em>cheapskate</em>.  To me, when the frugality begins to have a negative effect on my life, I&#8217;ve become a cheapskate.</p>
<p>Since making this discovery, I now take a mindful look when I&#8217;m being frugal to make sure I&#8217;m not going too far.  Am I skimping in areas that diminish the joy of living? or are harmful to my health? or will cost me more in the long run? May be a good area of inquiry for you too&#8230;</p>
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