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Simple Living Plus Frugal Living Equals Survival and So Much More

Updated on April 21, 2016

BACKGROUND

I’m a child of the 50’s and 60’s, and as such I’ve seen quite a few changes over the years. Some good, some bad, and many at the very least interesting.

I was thinking back the other day to those days of my youth, and in particular the early years of the Cold War between the United States and the Soviet Union. For you young whippersnappers who have no idea what I’m talking about, I can tell you without hesitation that there were some scary moments back then. The possibility of an atomic war was real, and people took it as real, and prepared as best they could for it.

Now seriously, most preparations were meaningless, but we didn’t know that at the time. I clearly remember bulldozers in the backyards of neighbors’ homes as they had bomb shelters dug in anticipation for the ultimate war. After the shelters were constructed the residents would fill the shelters with first aid supplies and canned foods, and of course bedding and extra clothes.

I thought about that the other day when I was reading online about the recent game-playing going on in Washington D. C., and the haggling and posturing over the fiscal cliff. The first thing I thought of was that we need to start preparing for the worst because it is coming straight at us, hell bent for leather.

Unlike the bomb shelters of the 50’s, however, my idea of preparation just might do some good. It goes something like this: Living Simple plus Frugal Living equals Economic Survival!

These are the people who taught me about Living Simple
These are the people who taught me about Living Simple | Source

Thoughts on frugal living

What the Heck Does Living Simple Have to Do with the Economy?

Well who exactly do you think got us into this mess in the first place? If you answered “us” to that question then you win the prize. Our insistence on buying everything we could get our hands on, whether we could afford it or not, has led to this crippling debt that is choking the life out of us.

Wake up America! The sooner we return to some good old-fashioned values and common sense principles, the better off we will be.

In a faraway world in a faraway time, it was once a source of pride to buy American and help the local economy. In a faraway world in a faraway time, it was once common practice to buy only what you could afford; credit debt was not the norm but rather that which was avoided. In fact, and this may seem hard to believe, there were no credit cards. People paid cash for their purchases, thereby insuring that there would be no interest payments in the future.

In a faraway world in a faraway time, people bought what they needed first rather than what they wanted.

Oh, you parents are going to love this one. In a time not so long ago, parents taught their children fiscal responsibility. I was taught how to budget, and I was expected to have a job when I was in high school. Now we have ex-corporate executives applying for the fast food jobs that high school students would apply for if they weren’t so busy doing nothing, and we have teenagers who think they are too good to work at McDonald’s. Something is drastically wrong with this picture.

This nonsense has to stop because we are all paying for the mistakes made by this country’s citizens, and probably what is most disturbing is that nobody wants to take responsibility for it. Instead we play the Blame Game. Damn those Republicans! Damn those Democrats! Damn the rich! Damn the poor!

The Blame Game starts and stops at our doorstep! If one hundred million Americans stopped using credit and downscaled their lives to meet their needs, our economic woes would lessen considerably.

And I’ll tell you something else, and this reaches across Party lines: If we all cared more for each other (another of those old-fashioned principles) we could climb out of this hole as a nation.

If our nation’s leaders really want to fix the economy then they need to create jobs. This is Economics 101 my friend. Create jobs, put people back to work, and then the people need to make smart economic decisions.

Frugal living...growing our own
Frugal living...growing our own | Source

Playing the Frugal Game

Whether you are unemployed, employed, living on a strict budget or living high on the hog, the time has come for frivolous spending to end.

You may have a good-paying job and think you are untouchable, but you are sadly mistaken.

You may be living paycheck to paycheck and think that it can’t be any worse, but you are sadly mistaken.

Let me be as clear as I possibly can be on this next point: we are the ones responsible for this economic mess. We need to return to the theory of “needs” over “wants.” Changing decade-old spending habits will not be easy but it must be done. Until the government pulls their head out of their you know what, it is up to us to be responsible in our spending.

Learn how to do without! Learn how to do with secondhand, and learn how to cut corners and make a dollar stretch. In my perfect world I would love to see a community garden in every neighborhood. In my perfect world I would love to see WalMart go out of business, and I would love to see local businesses succeed. In my perfect world, Goodwill would be the biggest business in town, and kids would have lemonade stands on street corners.

I hear the screaming from here. It’s unrealistic they say, and I say as long as people think like that then it is unrealistic.

Twenty years ago I made $100,000 per year, a mountain of debt, and had nothing in savings. This year I’ll make $20,000 and I have savings and no credit. Which way do you think I prefer to live? Which way do you think is the healthy and responsible way to live?

Start a community garden
Start a community garden

Sit with me and let's chat

What Is the Bottom Line?

If you think the economy is going to improve then I have some swamp land beachfront I want you to look at. If you think for a second that your government is looking after your best interests then you really need to let me smoke some of that herb you are tokin’.

Wake up and smell the foreclosure notices!

Congress and the President can take their economic indicators and shove them where the sun doesn’t shine. I trust none of them! I’m quite certain some of the politicians are decent folk, but the decent ones don’t stand a chance when billions of dollars are spent by special interest groups to get favorable legislation. Any sound you hear out of Washington D.C. is just so much rhetoric to keep the masses at bay, so that leaves me with one choice and one choice only: take care of my side of the street and protect myself and my family from the fallout caused by that rhetoric.

And when I’m done cleaning up my side of the street, I’ll work on your side as well, because we are all in this together. We need to quit isolating and become a community again, or we simply will not survive. Reach out to your neighbors and lend them a helping hand. Reach out to your family and strengthen those bonds.

This message is for the 80% of U.S. citizens who do not control the wealth in this country:

If we don’t do those things then we deserve what is going to happen to us.

This government is our government. If you are not satisfied with it then demand change.

This economy is our economy. If you are not satisfied with it then be the instrument of change.

If we allow the status quo to continue, we have no one else to blame but ourselves.

Living Simple plus Frugal Living equals economic freedom!

Change begins at home!

2013 William D. Holland (aka billybuc)

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    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Kathryn, I do that all the time. I had a student once who said, "It sounded better when I said it in my head." LOL

      Yes, I do spend a lot of time on HP....ten hours each day writing for customers, writing hubs, supporting others...it is a full-time job, but I love it. :)

    • Kathryn Stratford profile image

      Kathryn 4 years ago from Manchester, Connecticut

      No, I didn't mean a paying job, I only meant that the time you spend on this site is equivalent to that of a job. I'm sorry I didn't say what I meant to express. But I see that this is a wonderful community already, and I have a feeling that this will be a very enriching experience for me in many ways beyond just writing.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Kathryn, I do not expect to make much money on HP. That's not the reason I stayed here for over a year. I stayed because of the friendships I have formed in this community. People support one another here, and encourage, and I love it. I wish I had more time to reach out to more writers.

      I hope you have the same experience that I have had here. Thank you!

    • Kathryn Stratford profile image

      Kathryn 4 years ago from Manchester, Connecticut

      I like how you add related posts to some of your articles. It is hard not to keep on clicking links to read more :)

      Responding to comments must be a full-time job for you! And I have seen you in a lot of different places, so it seems you are on here a lot. I like HubPages. There are so many good articles, and good people. Keep up the good posting!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you twoseven; hopefully more will get on the bandwagon and see the sense in a simpler life.

    • twoseven profile image

      twoseven 4 years ago from Madison, Wisconsin

      Well put! Goodwill should definitely be the biggest business in town. And buying local didn't used to be such a hipster trendy thing - it was just common sense.

      Bottom line I couldn't agree more that what we need is a fundamental change in how we spend - or don't spend - our money. Frugal living should be the default.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Dolores, I agree, and with the anxiety comes anger and short tempers, and high blood pressure and decreased health, and on and on we go. I'm quite happy with my simple life, but it took a conscious decision to change it for the better.

      Thank you!

    • Dolores Monet profile image

      Dolores Monet 4 years ago from East Coast, United States

      billy, sometimes I think that just listening to all that hollering and blaming, the fiscal cliff, the rich, the poor can just drive you crazy. The anxiety level today is terrible. I find myself, today, living in somewhat reduced circumstances. No problem. Most of the stuff I buy (not food of course, haha) is used. We replace the big items when they break, not when the latest version comes out. Cheap home cooked food is the best. Living simply is easier on the spirit.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Glimmer, I would be ecstatic if more people read this and didn't go down that road.....but I think there are a lot of people who are going to have to learn this lesson the hard way.

      Thank you my friend!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Dianna, it's an interesting dynamic right now. I think people know there are problems, and I think they are afraid and simply don't know what to do to change things. This is the life they have lived....they don't know anything else, and suddenly their foundation has some cracks in it.

      Thanks as always my friend.

    • Glimmer Twin Fan profile image

      Glimmer Twin Fan 4 years ago

      Banks also need to stop lending money to people for things they don't need. Many of the borrowers cannot pay the loans back and it trickles down from there. Unfortunately I think we have all spent too much at one time or another in our lives. Good advice so more people don't go down that road.

    • teaches12345 profile image

      Dianna Mendez 4 years ago

      In a faraway world in a faraway time, people bought what they needed first rather than what they wanted.

      This is the simple truth. I remember when credit cards first came around and how people viewed it as a dangerous option. Then, gradually it became the norm in buying "stuff".. not needs. I hear people talking about the absence of social security in the near future. It is time to look at what it takes to support yourself. Great wisdom, once again, Bill.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Tammy, bravo back at you! Excellent job of teaching your children important lessons. I had students who couldn't believe I had a job by the time I was fifteen; I thought it was the greatest thing to happen to me. I was finally making my own money, and my parents taught me how to save and budget. Now we have kids who spend every cent five minutes after making it and then want more....and think they are entitled to more. I've had students who wouldn't work for minimum wage...it was beneath them to do so. :)

      Thank you for a great comment my friend!

    • tammybarnette profile image

      Tammy Barnette 4 years ago

      Bravo!!! I have been writing a similar hub, I keep getting stuck in research but you just say it like it is and I love that about you! Very well said, we are living in odd times. My youth, only twenty years are so ago, we were not entitled, we worked, all of us, rich and poor alike worked for McDonald's, etc. We were taught budgets, and the power and limitation of a dollar. I have tried my very best to teach my children the same. They were required to have jobs at 16 as was I, they were taught to save and tithe. I do not understand why some do not realize that spoiling their children is really a form of abuse and in no way prepares them for the future. We must get back to the basics. Thanks so much for sharing :)

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      LOL....you know that's what we did to the poor nuns.....I'm laughing out loud right now because that is exactly what we did in grade school. :) Go ahead and sue my dear; you can't get blood out of a turnip! LOL

    • fpherj48 profile image

      Paula 4 years ago from Beautiful Upstate New York

      I have RIGHTS! I'll sue.....and if that doesn't work, I'll put thumb tacks on your chair!

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Oh Dim, thank you! You just gave me an idea for a hub. I am in your debt. :)

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Mommy, what a great example of the ills in this country. We are the Lawsuit Nation; so much easier to let the lawyers talk than learn communication and compromise. Thank you for sharing that, and for reading of course.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      PS, we have a nation of citizens who would rather blame than get off their dead butts and be a part of the solution. People here who know me know better than to piss and moan around me; I immediately as them what have they done lately to make things better. Shuts them up fairly quickly.

      I'll take as many of those angels as you can send.

      Thank you dear friend!

      hugs back atcha

      bill

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Myz, hooray for you young lady! Excellent preparations! Thank you!

    • Dim Flaxenwick profile image

      Dim Flaxenwick 4 years ago from Great Britain

      This is a brilliant hub that zapped straight into my heart.

      Growing up in the 50s and 60s. recycling was a normal way of life. We just didn´t call it that back then,. back when bottles were taken back to the retailer for a few pence, clothes that became too small for my cousins would automatically come to me.... And we were quite well off, not struggling poor. Waste just was not an option.

      You´ve sent out some great reminders of how we can help ourselves to be better off. Loved it. Thank you.

    • ThePracticalMommy profile image

      Marissa 4 years ago from United States

      Bill, what an excellent message you are conveying here! We need to wake up as a country and stop whining about the position we now find ourselves in financially. We did do this to ourselves, and it is up to us to fix it. You mention some excellent suggestions, including living within our means and not spending precious resources on that which we don't need.

      I too wish we had solid communities that worked together to live and grow. My biggest complaint around my area is that none of our neighbors even say 'Hi' to each other anymore. Instead, several of them are involved with lawsuits with each other because they want to add to their properties or whatnot. It's all selfishness...

      Excellent hub as always, Bill!

    • pstraubie48 profile image

      Patricia Scott 4 years ago from sunny Florida

      Bill, I have been waiting for this one. WE are responsible for this mess and really no one has wanted to accept responsibility for it...It is so much easier to blame THEY ...who ever they are. I think we willingly turned over all of the 'taking care of the ills of our country' to the government at all levels local, state, and national...thinking, assuming (an you know what they say about assuming anything), that THEY would take care of everything for us.

      And o my...the kids and parenting issue is a whole other story...I would be writing a book about that...back in long ago time, I worked at a restaurant as a waitress for 50 cents an hour....we did get our meager tip money. I would take my tip money in a tiny basket to the bank to deposit it.

      Wake up, America, is right. Rather than throw up our hands and whine and carry on, we need to wake up and get a clue....thanks for this one, Bill...hopefully it will resonate across the land...

      Sending Angels all the way to you and yours...ps :)

    • unknown spy profile image

      IAmForbidden 4 years ago from Neverland - where children never grow up.

      agree!! that's why i'm setting aside my salary every month. makes me prepared whatever will happen :)

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      SG, the interest rates nowadays are insane, as is anyone who would use them thinking they are a way out of problems. I agree, if absolutely necessary, they can be a stop-gap solution, but long-term they are insanity.

      Thanks for sharing your experience; hopefully someone who needs your wisdom will read this.

    • sgbrown profile image

      Sheila Brown 4 years ago from Southern Oklahoma

      I worked for a debt settlement company for 8 years. I was amazed at the people that had incomes that exceeded $100,000. a year, but had the same amount in credit card debt! Why? Now the main income earner gets downsized and they make a late payment on their credit card, oops! Now, instead of 5% interest, they are paying 19% or even 29% interest on $100,000. !!! OMG! I can't tell you how many times I saw this over they last 8 years.

      You are so right! We need to back up and live more like our parents did. You don't buy on credit unless you really need it! Help out your friends and neighbors and teach your children how to live within their means and responsibly. Wonderful hub! Up, useful and awesome! :)

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Paula LOL No excuses young lady! I expect it on my desk in the morning or you'll have detention....and you know how much fun that can be. :)

    • fpherj48 profile image

      Paula 4 years ago from Beautiful Upstate New York

      Dear Mr. Holland.....I'm sorry I have nothing to hand in. The dog ate my homework.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Phoenix, I love it....and I just know if we ever met we would have a great time visiting. Thank you; I know a lot of people like your husband....heck for a few years I was one of them. Eventually I proved that you can indeed teach an old dog new tricks. :)

    • phoenix2327 profile image

      Zulma Burgos-Dudgeon 4 years ago from United Kingdom

      (Standing up and applauding) Well said, Bill. You're so right. We've no one but ourselves to blame for the mess we're in. And I agree that getting back to basics is the only solution.

      Compared to some of our friends, we're not that bad off. But I, like you, grew up in a time when debt was to be avoided. If you couldn't afforded, you saved your money until you could. Simple as that. I wish I could get my husband to understand that. He's not a spendthrift, mind you. It's just that being in debt isn't that big a deal to him.

      My financial goal is to pay off the credit card. My plan is to live as simply and frugally as possible by doing more shopping at the charity shops and doing more creative cooking with the ingredients I have.

      Once again, excellent hub.

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Beckie, it's asthma! It comes and it goes, but this time it has come and stayed, and she's too stubborn to go to the doctor. I think I might have talked her into it this morning, but we'll see.

      Thank you for caring; it really does warm my heart.

      love,

      billy

    • shiningirisheyes profile image

      Shining Irish Eyes 4 years ago from Upstate, New York

      Billy - PLEASE do not worry about that.

      Is it the flu? Dear God, I hope not. This monster flu has me a bit concerned as several people I know have actually gone to the hospital with it. Please let Bev know I am sending well wishes her way. I know you will but I have to say it anyway. Keep an extremely close eye on her, it it is the flu. It seems to be quite a dangerous strain.

      Please - although I look forward to reading it, put that on your back burner. The way my schedule is at the moment, I would not have had time this week or next to read it.

      Love and sympathies to Bev.

      Beckie XO

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Beckie, you and I led similar lives. I started working when I was fourteen, in a bowling alley fixing the machines and keeping score during league and tournaments....made about the same as you and all the free bowling I could ever want. I thought I was in hog heaven. My lack of credit is born from a lifetime of lessons learned, and I am so thankful for them.

      And I am thankful for you as well.

      Bev has been sick and I still have not gotten to the post office with your book.....I'm sorry but I promise to do so soon.

      love,

      billy

    • shiningirisheyes profile image

      Shining Irish Eyes 4 years ago from Upstate, New York

      Great hub -

      I took a job waiting on wedding and party guests at our local American Legion when I was 13. I made a HUGE $6.00 a night (without tips) and thought I was rich. Every Friday and Saturday night for approx. 6 hours I worked. In my last year of high school I doubled up on my classes so I could leave school early each day for a job at a local pharmacy. I paid for my own car, my own needs and my insurance. I guess that might have something to do with why I not in debt now and I don't own a credit card.

      It is always great to read one of your inspiring hubs. These are words to be heeded by all. It's only going to escalate.

      Love,

      Beckie XO

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Thank you Web; it is a serious problem that can be faced now or faced later when it is a much worse problem.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Martin, nicely put my friend; teetering and they don't even know it.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Kindred, it does feel good, doesn't it? Thank you for taking the time from your crazy schedule to drop by; you are always welcome in my neighborhood. :)

    • web923 profile image

      Bill Blackburn 4 years ago from Twentynine Palms, California

      Great article and good advice. I think a lot of people are having to cut back on their spending, and a series of articles with ideas on how to do it would be great. Thanks!

    • Mhatter99 profile image

      Martin Kloess 4 years ago from San Francisco

      Thank you for this. Your 80% may be going up. There are many investors teetering on an imaginary economy.

    • lrc7815 profile image

      Linda Crist 4 years ago from Central Virginia

      You know I love it when you rant. This one is important. So many people are caught up in trying to live bigger than their neighbor and end up being nothing more than collectors of excess clutter. I often think of how many friends of mine have died and their families had to come in and deal with all the "stuff" they had accumulated. I vowed never to do that to my family. So senseless. I'm a work in progress but I'm getting rid of my clutter, a little at a time and it FEELS GOOD. lol

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Amber, it is a struggle, but at least you understand needs vs wants, and that puts you way ahead in the struggle. Thank you for the visit.

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      alwaysamber 4 years ago

      Great hub! I guess growing up I never really understood or worried about the economy or anything of that sort. All of the bills were left up to my parents, so it was something that I never had to bother with. Now that I am older and own my own home, I understand exactly what it means to "live within your means." It's something that I do, but with the economy like it is, it's a struggle.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      I do remember that, Mary, although I'd forgotten it until you mentioned it. It is time to go back to Made in the US....like NOW!

      Thank you my friend; good luck with the apprenticeship program!

    • tillsontitan profile image

      Mary Craig 4 years ago from New York

      Once upon a time...I lived back then too Bill. The nice part is I taught my children too, and they"re doing fine. Remember when a certain country used to change the lettering on boxes we sent to other countries, from "Made in the US" to "Made in the USSR"...time to go back to MADE IN THE US ... With pride. I guess you could say its time to make the donuts.

      Voted up, useful, interesting and shared.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Ruby, I have relatives in North Dakota and the same stories from there; too much work and nobody wants it. Makes one think about the true meaning of the word desperate. :)

      Thank you my friend!

      bill

    • always exploring profile image

      Ruby Jean Fuller 4 years ago from Southern Illinois

      Excellent hub Bill. I remember well those days. I got my first job at twelve years old, working in a cafe where i ate so much ice cream the first day, i got sick. We have an oil company here in my little town who is begging for workers, paying $ 14.00 an hour, no takers, not enough pay and too dirty. Go figure..Cheers.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Sue...LOL....great line about Uncle Sam!

      Thank you and I hope your week is fantastic!

    • profile image

      Sueswan 4 years ago

      Hi Bill,

      "Change begins at home." It certainly does.

      I don't live frugally but I don't live beyond my means.

      It is a shame that Uncle Sam's Mom and Dad didn't teach him how to budget.

      Voted up, awesome and sharing

      Have a great week my friend. :)

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Deb, I'm trying to imagine what it would do to the economy if there were no credit card debt.....I'm not sure the economy could function. :) Thank you and I hope one day to find out!

    • aviannovice profile image

      Deb Hirt 4 years ago from Stillwater, OK

      You are right, EXACTLY. I paid off my credit cards, and THAT is the end of THAT! I think if we all do that, not only will it show the credit card companies that we mean business, it will show the government the same thing.

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Sha, I don't even know what to say to that and not be obscene. The city I live in is the capitol of the state, a state that is recognized as Liberal and Green; you should see all the SUV's in the parking lot at the Capitol. Disgusting!

      Thanks for being who you are; one person at a time, right?

    • billybuc profile image
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      Bill Holland 4 years ago from Olympia, WA

      Donnah, as you well know, regret is a wasted effort; you know it now and that's all that counts. You are very welcome, and thank you for your kind words.

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Loyalsudz, thank you! I love being agreed with. LOL Seriously, it is the only way for most of us to live and have any hope of getting ahead.

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Learning, yours is not the first case I have heard like that. It's interesting that some kids are born with the frugal gene, while others will never even be able to spell 'frugal gene." :) Hooray for you; it will serve you well your entire life.

      Thank you my new friend!

    • billybuc profile image
      Author

      Bill Holland 4 years ago from Olympia, WA

      Amy, I heard recently that the richest of the rich have three trillion in investment capital that they are holding onto until more favorable economic conditions. Three trillion dollars! How rich does a person have to be before they feel some social responsibility? Well, the answer is there is no limit....they will never feel rich enough.

      I am sickened by the entire economic circus.

      Thank you; I have nothing else to add to what you have said; you said it all.

      love,

      bill

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      Shauna L Bowling 4 years ago from Central Florida

      Bill, it's ironic you chose today to post this hub. In today's Orlando Sentinel there was an article (posted by Beth Kassab, the lady I contacted regarding H.O.W. - I'll follow up once I hit post on this comment) about the mayor of Orlando, Buddy Dyer and the hyprocrisy of his wanting Orlando to go green, build LEED certified, etc. It seems there is a woman who lives in a suburb of Orlando, called College Park. I used to pass thru the town everyday on my way to and from work. She is growing a vegetable garden in her front yard because her back yard is too small. She is living the definition of sustainability, yet because her front yard is not the pristine St. Augustine lawn that the neighbors would rather see, she is being hassled by the City of Orlando!

      Can you believe it? Oh and by the way, Buddy Dyer has spent money to create charging stations around Orlando in an attempt to promote the switch to electrically operated vehicles, yet HE drives a Chevy Tahoe! Can you hear the mantra?: Do As I Say, Not As I Do!

      It seems in Central Florida ya can't win for losin'!

    • donnah75 profile image

      Donna Hilbrandt 4 years ago from Upstate New York

      Powerful common sense. I wish I had learned these lessons ten or fifteen years ago. However wishing will not decrease the size of my financial hole. So, I shall forge ahead. Thanks for the continued inspiration for this journey towards the better life. Voted up!

    • loyalsudz profile image

      loyalsudz 4 years ago from East Coast

      Excellent Hub! "Living Simple plus Frugal Living equals economic freedom!" I agree.

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      Megan Sisko 4 years ago from SW Florida

      I'm not sure my parents ever really pushed financial responsibility onto me when I was younger. I swear I was just born with it. I was dying to get my first job at 15 and was thrilled to be paid $6/hr when minimum wage was $5.15!

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      Bill Holland 4 years ago from Olympia, WA

      Efficient, I pay cash for everything. When I run out of cash my spending stops. Pretty simple concept really, and yes, savings are crucial. I know several people who have been out of work for over two years and I think they finally learned that lesson. Too bad it was a painful lesson.

      Thank you and I hope you are having a wonderful weekend.

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      Bill Holland 4 years ago from Olympia, WA

      Alicia, it is madness the way many in society are living; I'm afraid many of them will have to learn the lesson the hard way.

      Thank you as always!

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      Bill Holland 4 years ago from Olympia, WA

      Gypsy, my perfect world is never going to happen on a wide scale, but my own little world is darn near perfect as it is.

      Thank you my friend!

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      Bill Holland 4 years ago from Olympia, WA

      Freeze....LOL....first and last card at 18....you should be writing these hubs....not me! :) Thank you!

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      Bill Holland 4 years ago from Olympia, WA

      Evelyn, great comment. It does require creativity and I love it.

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      Bill Holland 4 years ago from Olympia, WA

      Mark, I particularly like the helping others part. :) Thanks my friend!

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      Efficient Admin 4 years ago from Charlotte, NC

      Yes I remember those days when credit cards didn't exist. My parents did not use them. I know what it's like to use a credit card and rack up thousands in debt and then have to pay it back. It took me 7 years to pay back and that was after I took a scissors to the credit card. If one does not stop using the credit card it's very difficult to pay it off. I paid it off and never used one again - cash only is my motto and I love it.

      It's a good idea to have a nice savings because even if someone is employed -- if they get laid off there is no guarantee they will find a job right away. Two friends of mine who got laid off couldn't find a job for 2 years and they kept saying they wished so badly they would have saved saved saved during employment. Eventually they both found new jobs but it sure took a long time.

      Very useful and motivating information. Voted up.

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      Linda Crampton 4 years ago from British Columbia, Canada

      This is a great hub, as always, Bill. You've raised many good points. Spending habits need to change drastically to protect our future.

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      Gypsy48 4 years ago

      As always another excellent article Bill. I would also like to live in a perfect world where there was no such thing as greed and everyone helped each other out. Your are so right about demanding change, otherwise we are doomed.

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      Amy Becherer 4 years ago from St. Louis, MO

      Excellent idealogy, Bill, as always. I watched Bill Moyers essay on The Crony Capitalist Blowout this morning and as I listened to this well respected intellectual, I realized that the decimation of our economy was an orchestrated endeavor by the wealth for the wealthy. Not content to own most, they want it all. The average worker just got a $1.23 hourly increase, while Goldman Sachs got in under the fiscal wire gaining $65 billion in tax cuts originally intended for small businesses. The CEO's all got their big buck bonuses ahead of time to avoid the new taxes.

      The average worker today is told to decrease his expectations while the wealthy add to their stock portfolios and bank accounts. The rich have their corrupt hands locked on any surplus money, while they blame the poor for the state of the economy, saying get your hands off of my stack and advising them to make cuts to the basics of human survival, despite the fact that the working poor have bought and paid for social security. The land of opportunity belongs to those that have. The poor are powerless and will remain unheard, ever so grateful for a morsel. As far as waste goes, D.C. rules supreme.

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      FreezeFrame34 4 years ago from Charleston SC

      Great hub, billybuc. You sure you don't want to run for President? You have my vote!

      My parents are baby boomers and they taught me about money, among a plethora of other things. But mostly that if you don't have the money for it, then you can't afford it. They cut up my first and last credit card at 18.

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      Evelyn W. 4 years ago

      I truly enjoy the frugal lifestyle. It requires much creativity which makes me feel wonderfully human and humanistic. Thanks again.

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      Mark G Weller 4 years ago from Lake Charles, LA.

      Excellent thoughts Bill, Live simple, Live frugally, do our best to prepare, and help others as we can!

      Mark

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      Bill Holland 4 years ago from Olympia, WA

      Matt, I love that movie.....in three years my wife and I will be off the grid. I am so looking forward to it.

      Thank you!

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      Matt 4 years ago from Lansing, Michigan

      Amen. I've been working on a hub with a similar concept. We just watched Jeremiah Johnson (with Robert Redford) last night, and my wife commented on how nice it would be to be off the grid from modern society even more than we are now.

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      Bill Holland 4 years ago from Olympia, WA

      Michele, you brought up an interesting point about bringing family closer together. I had never thought about that, but we don't see that nearly as often any longer, the sharing of bedrooms. Interesting my friend; thank you!

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      Bill Holland 4 years ago from Olympia, WA

      Thank you Carol; you stated it much better than I did! Have a great day my friend!

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      Bill Holland 4 years ago from Olympia, WA

      Thank you for the visit Karen! It is pretty simple advice but evidently very hard to follow it. :)

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      Bill Holland 4 years ago from Olympia, WA

      I know you are, Janine! Thank you for taking the time from your busy Sunday to visit. Have a great day!

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      Bill Holland 4 years ago from Olympia, WA

      Thanks Will! Always a pleasure to hear from you!

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      WillStarr 4 years ago from Phoenix, Arizona

      Personal debt and the national debt are two different things altogether. The $16 trillion (and climbing rapidly) national debt is money spent by government, and mostly on social entitlements. Right at 60 cents of every federal dollar spent is spent on entitlements, and 40 cents of that is borrowed.

      Our personal debt has nothing to do with the national debt.

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      Janine Huldie 4 years ago from New York, New York

      Said perfectly and so true that we need to do something, because we are the 80% and the government is not doing anything to help us. So it is time for us to do whatever we can to actually help ourselves. Right there with you on this and have of course voted, shared, and tweeted, too!!

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      Michele Travis 4 years ago from U.S.A. Ohio

      Great hub bill.

      The Politicians we have are useless. We can fire them by voting for new ones, but the problem is that few people vote. A lot complain, but only a few understand that voting is more powerful then money.

      Gardens are great. Canning the food you grow makes it last longer.

      Cut up that credit card! Not using it is a great idea.

      Smaller houses are much better. It costs less to heat them. Also, at least this is what I think, they bring family members closer. A big house, lets each member of the family be in a different room for a long time. When I was a child, my brothers had the same bedroom and so did my me and my sister.

      Very good hub. Thank you for writing it.

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      carol stanley 4 years ago from Arizona

      Well there is certainly a lot of lethargy out there. It seems that most people are satisfied with what is today. If you pay your bills, have food to eat, enjoy life you are home free...So is the thinking. I so agree with you and cannot understand for the life of me how people accept our way of life. We are in crisis..The debt alone is enough to scare anyone. Taxing the rich..well the middle class will pay dearly ..And then new airplanes, limos and raise in salary for congress ..on the agenda. We the people vote and go back to our lives. If you can determine in life what is want and what is need you have reached the half-way mark.

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      Karen Ray 4 years ago from Oklahoma

      Excellent hub! "Live within your means" was advice my Dad often gave. People need to listen up - life/financial situations, etc. can change in an instant.