ie:missional teaching. glocalizing. living. serving. repenting. incarnating. loving. repeating.

November 10, 2008

Remembering Kristallnacht

Crystal Night. The Night of Broken Glass.

October 1938 saw the forced deportation of thousands of German Jews to the Polish border where some were allowed immigration but many waited. All were uprooted from their homes and dispossessed, many traveled penniless. This deportation was an inevitable result of the cumulative 90 discriminatory, anti-Jewish laws passed in Germany from 1933 to 1935.

Living in Paris was the seventeen year old son of two of the displaced, Herschel Grynszpan. From his sister, who was with their parents, he had received a post card telling him of their plight and asking for any money he could spare. The family had lived in Hanover for twenty seven years. After receiving the post card, Grynszpan purchased a newspaper where he read in graphic detail of the deportations from Germany. On Monday, November 7, he took a loaded pistol to the German embassy where, “in the name of 12,000 persecuted Jews,” he shot Ernst vom Rath, fatally wounding him.

Not wanting to miss a golden opportunity to further their warped agenda, during the night and morning of November 9 and 10, 1938 (seventy years ago today), Nazi goons all over Germany set fire to more than 200 Jewish synagogues and smashed the windows of 7,500 of Jewish owned stores and businesses. One writer called it,

the crowning moment in the wild domestic terror that Germans perpetrated upon Jews.

In villages, towns and cities across Germany, Jewish residents were awakened to the sounds of shattering glass and beaten flesh. Around 100 were killed and some 30,000 taken to concentration camps. A picture from the day shows German citizens lining a street while Nazi policemen march Jewish men toward a transport to Dachau. A Bible twisting sign held in the crowd reads, “Exodus of the Jews.”

It bears remembering that Hitler did not come into power by a coup, but by the will of the people of Germany. Runaway inflation, national shame and the loathed Treaty of Versailles primed the country to listen to the pseudo psychological babblings of the mustachioed madman. The primary motivation that prepared ordinary Germans to accept the leadership of a man who was obviously either crazy, demon possessed or both was not reason; what Hitler believed did not make sense and was against any real science. It was not based on history; Jews had been in Germany, and Europe, for generations. It was not based on parasitism; Jews contributed greatly to the German economy, being hardworking business people.

It was based on fear. German nationalistic pride was in shambles. The German economy was suffering from runaway inflation. The German military forces were supposed to be severely curtailed and military aircraft non-existent. The German people lived in fear of the future and into the leadership void stepped Adolph Hitler, who was welcomed with open arms and admired with open hearts.

About a month ago, we had the opportunity to go to a nearby town and hear a presentation by Holocaust survivor, Eugen Shoenfeld, retired professor from Georgia State University and author of My Reconstructed Life. He recounted his story from the age of 17 when he boarded a crowded train car with scores of other Jews where they rode four days with virtually no food and only a bucket for a toilet. Upon finally arriving at the destination, they began disembarking into two lines at the heads of which stood a man in a leather jacket who was motioning some people to the right and others to the left.

The place was Auschwitz.

The man was Dr. Joseph Mengele.

Many of Schoenfeld’s family were unwittingly condemned on the spot, while he and other family members joined the hundreds of Jews already in laborious, sickening captivity. Schoenfeld lived until he and the remaining survivors were liberated by American soldiers. The irony of being freed by American Lt. Schwartz was not lost on the young man.

Following the story of his life, the retired professor reminded us of the emotion that drove virtually an entire country to support Hitler: fear. He reminded us that fear causes otherwise rational people to do completely irrational things. At that moment in our country, we were just in the beginning of the economic meltdown from the mortgage crisis. Wall Street was in a panic and it seemed that decision after decision was being made as a result of fear, whether a hastily conceived bailout or 401(k) owners selling out stocks and moving into cash. Fear is not a link to wisdom or patience.

Fear, no matter what the “boogie man” behind it, causes people to willingly, and often eagerly, sell their future for a “mess of pottage.” It happens over and over again in our world. Fear of one government causes submission to a war lord. Fear of liberalism causes conservatives to make bad decisions. Fear of another terrorist attack, well, interpret events as you will. Fear war and you vote for Barack Obama. Fear Barack Obama and you vote for anyone else. Regardless of who is president, we can never allow fear to lead us to willingly give up our basic rights. Once given, they are rarely returned. Just ask the Germans. Wearing the cloak of fear, the Reichstag gave unfettered authority to Hitler, making themselves puppets in his dictatorship.

Leadership is forged in time of crisis to be sure, but the hammer of the molding is never fear. Life leadership has to be from faith, wisdom and boldness, never from fear, uncertainty and weakness. If there are any citizens that live free from fear and exhibit the patience to evaluate circumstances based on the truths of God, it ought to be His people. Let it be so.

November 4, 2008

An election day prayer

Father,

On this important day for American society, I pray that we would not forget you. Your word says that you set up kings and you take down kings, so surely that includes our president, whether it be Barack Obama or John McCain.

Father, I pray that we would not forget your kingdom. In a day when fervent patriotism and divided politics carry most every conversation, help your children to remember that we have been called to a higher allegiance and that what happens in America does not equate to what happens in your kingdom. Forgive those of us in the United States that have convinced ourselves that your eternal plans ride on decisions that we make, forgetting that your kingdom was expanding centuries before 1776 and will continue eternally after the last copy of our constitution has disintegrated.

I ask that you would forgive us for making political preferences a basis for fellowship. If you can break down the walls between Jew and Gentile, can we not imagine that you have done so between Democrats and Republicans? Many of us know people who, if they don’t outright despise people who hold to different politics, find it extremely difficult to carry on conversations that don’t degenerate into political wrangling. May we never forget that Jesus set the pattern for us by choosing among his disciples one zealot, whose goal was to extricate Israel from Roman domination, and one tax collector, whose job was in league with the oppressors. Let us love, love all and love well.

Please forgive us for putting our hope in a political party or a president, when our hope should ever and only be in you.

Father I pray for Barack Obama, a man who seems to have no conscience toward the unborn. In his very stance on the abortion issue he betrays himself as a man not of your word, regardless of his claims of salvation. If elected, I pray that he would humble himself under your mighty hand and that you would use him, turning his heart wherever you will.

Father I pray for John McCain, a man who seems to be running on a platform he doesn’t completely believe. I do not believe that he understands the complexities facing our nation and have no hope that he would pick anyone other than “good old boys” to be around him if elected. He has no plan to stop the slaughter of the innocents. If elected, I pray that he would humble himself under your mighty hand and that you would use him, turning his heart wherever you will.

Father, I pray for the mostly unknown others who are on ballots for president across America. It is my earnest prayer that, beginning in this election and at all levels, we would begin to see the end of the two party dominant system that has polarized this country. Allow third, fourth, fifth party candidates and independents to be elected to force more reasonable and workable solutions to the problems we face.

I pray for the salvation of those who are in congress or who will be going there after this election. Place someone around them with the message of the gospel that they might come to know you and govern with wisdom.

Above all, that we your people might demonstrate the righteousness that we have received from you in every conversation we engage. The kingdoms of this world are fallen and corrupt; help us to promote the one, eternal King and the plan that he has instituted.

I ask this in the mighty name of Jesus Christ, your son.

Amen.

November 3, 2008

If Obama wins, then Republicans have only themselves to blame

I have a good friend who simply cannot believe that any clear thinking American would vote for Barack Obama for president. In fact, he issued a challenge for someone–anyone–to give him a convincing reason to vote for the Illinois senator. Few took him up on the offer.

I first called this election for Obama well before the primaries were over. Not because I planned to vote for him, not because I think he’d make the best president, not because I shuddered at the thought of another Clinton in the White House, but because seemed obvious to me he would win it in a walk. Here are the reasons in no particular order:

1. Because of the last two elections. Those residents of America that call themselves liberal have been steamed in the last two presidential elections since they feel they have been ripped off. Bush’s 2000 win over Gore through the electoral college (via the Supreme Court) and the Swift Boating of John Kerry (with proclaimed voting irregularities all over the place) have motivated them to get out the vote even if some of those voters are dead or sharing a ballot. Supposedly 105% of the population of Indiana (correction: Indianapolis) have now registered to vote. What happens if a state has more people vote than are on the registered voter list? Can they withhold their electors? Who knows, but it is obvious that far left liberals really do not care as long as Obama is in the White House.

2. Because of George W. Bush. Any Republican nominee was to be running against two opponents-the Democratic nominee and the immensely unpopular sitting president. Only if McCain (or Romney, Huckabee or whoever) had immediately drawn a stark line of distinction between himself and Bush would they have had a good chance. McCain’s late effort to do so only gives the appearance of desperation. In fact, one of the primary reasons that Democrats are on the verge of a filibuster proof majority in the senate and gaining as many as 30 seats in the house is because Republicans have not stood down the president at more turns.

The recent Wall Street cave in bail out put front and center the problems of the current administration. The over-simplified “It’s a big solution ’cause its a big problem” kind of talk from the president reflected badly on McCain if for no other reason because he’s a Republican. He chose to support the almost universally loathed bailout plan, rather than strongly oppose it and thus appeared as socialistic as Obama. To show true leadership and ingenuity, McCain should have been critical of the rush to judgment. Instead, he proposed a delayed “solution” that was easily and quickly dismissed.

3. Because he is black. Barack Obama is appealing to the African American community because he is perceived as one of them, even though he is of mixed heritage. It’s the same reason that McCain would be appealing to veterans or Romney to Mormons or Clinton (either one) to women. There is a strong identification factor because of his race. But, for the Democrats, it goes deeper.

During the primaries, the only diversity at all was on the Democratic side. There was an African American and a woman included in the running. The Republican ticket was white bread America (please people, Alan Keyes just does not count). McCain and Paul, the “old white guys,” Huckabee the “funny white guy,” Romney the “white rich guy,” Thompson the “white actor guy,” etc. Republicans don’t appeal to minorities because the Republican party is primarily about lip service. Did anybody see the crowd shots at the RNC? It looked like a snow storm. We have millions of immigrants who come to this country (legally) for the opportunities that the free market system affords them and Republicans, the party of opportunity, can’t even lock up that vote?

4. Because of big business interests. For better or for worse, Republicans are seen as business friendly to the extreme. They like to think of their party and the one that is good for business and that helps business to flourish thereby allowing the rising of all boats in society. This is well and good, but it does nothing if it isn’t communicated to and understood by Americans and it actually is harmful when you have a few companies reaping record breaking profits (Exxon Mobil, Shell, Chevron Texaco) from Americans who are given little real choice (we’ve got to drive gas vehicles since there are so few viable alternatives).

Republicans have done a terrible job of demonstrating how the growth of business drives the growth of the economy and have allowed their party to be pigeon holed as the one that only cares about creating wealth for the already wealthy. Even the founding fathers warned about the centralization of wealth in the hands of a few because of the corrupting nature of it.

5. Because he’s a socialist. The difference between Obama and the Republicans is that he is open about his socialistic beliefs while they are still in the closet. Socialism is not simply a belief in the redistribution of wealth; it is the belief that the vague entity known as “the government” knows better how to run the people’s lives than the people do including how they should use their money. Socialism puts the interest of the structure above the interest of the citizens. By this measure Republicans (at least the ones in DC) are as socialist as any Democrat, including Barack Obama. Our sitting president has expanded government to the point that true Republicans are repulsed by it, while he pushed for a growing amount of executive power to the point that constitutionalists are repulsed by it. It seems obvious that Republicans are very content with big government as long as they are in control of expanding it. They now are surprised by the embracing of it by the average American? They have fomented the mindset and now will live with the consequences and potentially without the power to do anything about it.

So, if Senator Obama becomes President-elect Obama sometime tomorrow evening, and the Republicans begin to whine about ACORN, the media, campaign finance reform and all the other post-Halloween ghouls, just remember: they have only themselves to blame.

October 1, 2008

We Are Not As Dumb As Washington Thinks We Are

Like we don’t get it.

Tonight Senator Kit Bond on Fox News “Nightly Scoreboard” gave as his examples of the “credit market being locked up” the fact that the states of Maine and Missouri could not sell bonds to build highways. Is he serious? We need for congress to pass a $700B package so that a couple of states can repave some roads and build a few more? These cannot wait a couple of years? Please.

Dave Ramsey, on the same show, said that there are three tiers of credit: The top tier is the major players, LIBOR and such, which have slowed considerably. The second tier is the average Joe with excellent credit, who wants a mortgage or a car. That money is available. I should know: I bought a used car in July with no problem and while in a bank yesterday the offer of a home equity loan at prime+0% was still in full swing. The last tier was the poor credit folks that were involved in the sub-prime crisis to begin with. That market, of course, is gone. The reality is that there is credit, not a “seize up” like is talked about by every talking head.

The government has already approved $29B for Bear Stearns, $85B for AIG, and $200B for Fannie Mae and Freddie Mac, none of which has solved the problem. Washington, which gets virtually nothing right, now wants to print up more cash to make the American citizen the biggest owner of bad mortgages in the world. In addition to the aforementioned $300+B, the Federal Reserve has released, just this week, more than $600B of cash into the system. The taking over of Fannie and Freddie added $5T to your balance sheet and mine, or subtracted from, as the case may be. We are smelling the Fed’s printing presses burn up printing all the money being injected into the system which, as smart people know, causes inflation. Inflation is a hidden tax that affects everyone by reducing the buying power of your dollar and the value of your dollars in your savings account and 401(k) or 403(b).

The fear of the market has already been exposed. Mad Money’s Jim Cramer believes that “no bailout” will bring the DOW down to 8,800 or so. My retirement has already taken a hit in the order of 20%. The market wants money and probably will not be satisfied with less that a few more hundred billion put into the system. I’m patient enough to wait (but I have learned a little about how to plan when I’m sixty). Of course, the market is due for a correction. The DOW components might get shuffled around a little, but there will be new stars that shine in the shakeout. If Warren Buffet can find deals, so can we. Or we can buy Berkshire Hathaway-B shares and make money with him ;^)

If credit tightens for Main Street, as Princeton’s Paul Krugman said on MSNBC, then that means credit card interest rates could go up and credit limits could go down. And this is bad how? The fact that Americans are too far in debt is standard fare for the business pages. A lid on credit is just what some Americans need. If, as Donald Trump has mused, the price of oil will fall up to 70% with a large stock market correction, then we will all have saved enough money on gas to offset some of the credit we were having to use. If, that is, we can get the oil companies to acknowledge that the price of oil has indeed fallen and quit making up excuses to keep prices high.

The bad bill that was surprisingly defeated in the house of representatives has taken on a new life and new form in the senate. As is usually the case, add-ons now include energy tax breaks, movie tax credits, wooden arrows for children and mining subsidies or credits. Some think those add-ons will not be approved, but that the original bill will be passed. We’ll see.

My point is this: Those of us who are paying attention know that doing nothing is probably going to bring some rough times. We believe that we are ready to endure it. We know that both Washington and Wall Street are thoroughly screwed up and delaying the needed fix is not the answer. There is nothing to gain by continuing to buoy bad business decisions. The reality is that not passing the bill is not the same as “doing nothing.” Not passing the bill is saying that the market can work it out, though some will fail. Socialism is not the way to go. We can exercise patience.

If Americans are anything, they are these two things: creative and resilient. We are resilient enough to endure and creative enough to overcome it.

September 25, 2008

Ten Reasons To Oppose a Wall Street Bailout

Filed under: Economy,Finances,Life,News,Politics — Tags: , , — Marty Duren @ 2:06 pm

This list is part of an article written by J. Boyd Page, and Atlanta attorney specializing in investment and securities litigation. It appeared in today’s Atlanta Journal-Constitution.

1. The $700 bill Wall Street bailout is merely a “drop in the bucket.” It will not correct Wall Street’s problems.
2. The bailout plan smacks of cronyism.
3. Treasury Secretary Paulson and Federal Reserve Chairman Bernanke do not understand the problems confronting the American economy and are not qualified “to be king.”

(more…)

My Problem with Johnack ObamcCain

Filed under: Culture,Economy,Finances,Life,News,Politics — Tags: , , , , , — Marty Duren @ 10:05 am

As the election rolls closer and the campaigns of the two major party nominees grow more intense, I grow less and less convinced that either Barack Obama or John McCain can do the job of President of the United States. While the standard evangelical position seems to indicate the those right with God must support the McCain/Palin ticket because it is pro-life and pro-gun, those radicals over on the left are supporting the Obama/Biden ticket for issues of education and peace along with a healthy dose of government programming.

It strikes me as odd that so few remember McCain’s assertion during the Republican debates that we are not in a recession (contra Ron Paul) a mere days before it was announced as a real possibility by the Fed. That McCain is out of touch with the average person is obvious since virtually all mega rich people are. Not to let the millionaire on the Democratic side off the hook, Obama makes a fair living himself (Joe Biden seems closer to “real life” than one might guess).

As the sinkholes grew bigger and bigger on Wall Street and the Federal Reserve Scam Bank leaped into action, it became obvious that the current administration had and has no clue what to do. Following the President’s speech last night, we now know the solution to all our problems: socialism. Apparently the fall of communism did not teach us a thing.

During the Republican Primaries, John McCain was heard and seen on more than one occasion laughing at Texas Representative Ron Paul when he would warn that America could not live on borrowed money forever for any reason, whether to fund social programs or empire building. The strongly pro-life, Christian OB/GYN was written off by many republicans as “unelectable,” while others assured that “Ron Paul is the only one who can beat Barack Obama when it reaches a two man race.” McCain’s solution to the current crisis is to create yet another government agency (very, very Bushish thinking, John) which he has dubbed the MFI, while Obama’s preferred solution is to attack McCain. It’s hard to watch these two recent interviews on CNN without wondering if most Republicans don’t with they could have a “do over.”

On American Morning:

On CNN Sunday Talk:

As for me, I cannot vote for either Obama or McCain. Don’t know what I’m going to do for sure yet, but it looks like either third party or write-in in 2008.

May 12, 2008

Post Denominationalism-Economic and Technological Hammers

Chart of attendance.

Last week my friend Matt McGee of the Duke Law School emailed me with an interesting chart tracking the total membership of SBC churches as a percentage of the United States population since 1971. After seeing his work (the top line in the graph), I asked him to check the total attendance figures for the UMC (US members, second line), the ELCA (yellow line), and the PCUSA (purple line). It is plain to see that, as a percentage of total US population, the SBC has been in nearly unceasing decline since about 1985. Keeping in mind that “active membership” is only about twenty-five percent of reported membership, it appears that current active SBC membership represents about 1.3% of the U.S. population. With that as a backdrop…

By most reputable accounts we are entering or are already into an economic slowdown that will almost certainly turn into a recession. The housing market collapse in much of the country, the burst of the sub-prime mortgage bubble and related financial market uncertainty will take our country into places unknown to people under the age of 20. Writing in the March/April 2008 issue of Foreign Policy magazine, Nouriel Roubini gives five falling dominoes which will lead to a “financial pandemic”: a drop in trade, the weakening of the dollar, worldwide bursts of housing bubbles (already happening in France, Greece, Hungary and Italy, on the verge in Britain, Ireland and Spain), falling commodity prices (projected to happen as the economies of the U.S. and China slow, though drops in oil and grain prices would be welcomed), and faltering financial confidence. He summarizes,

During the last recession, the United States underwent a nearly 6 percent change in fiscal policy, from a very large surplus of about 2.5 percent of GDP in 2000 to a large deficit of about 3.2 percent of GDP in 2004. But this time, the United States is already running a large structural deficit, and the room for fiscal stimulus is only 1 percent of GDP…President Bush’s fiscal stimulus package is too small to make a major difference today, and what the Fed is doing now is too little, too late. It will take years to resolve the problems that led to this crisis.

The Economist seems to agree. A lead story in the May 3-9, 2008 issue says:

The malaise that started the crisis-the American housing market-is still getting worse. The month-on-month decline in the Case-Shiller index of house prices in 20 large cities is accelerating; on the latest reckoning, it was down by 12.7% over the 12 months to February 29th.

Also, this:

After a long period with scarcely any bond defaults by companies, there have been 21 failures this year, according to Standard & Poor’s, a rating agency; some 122 issuers, with debt of around $102 billion, are deemed vulnerable to default. Ominously, corporate debt is the shaky foundation for trillions of dollars of derivative contracts.

Consumer confidence is in the tank and both individuals and churches will soon begin, if they have not already done so, making the difficult choices about which budget items will stay and which ones will go. Add to this (at least in the SBC) Dr. Frank Page’s warning that 1/2 of all SBC churches will close by the year 2030. Do we really think that 22,000 churches will suddenly call it quits on December 31, 2029? No, there will be a consistent downward slide as aging churches, refusing to move to a missional mindset, simply die away with neither pastor nor members to keep them alive. This recession may prove to be more than scores of small churches of all denominations can weather.

Many churches that do survive will, for the first time, begin to scrutinize their support of their denominational structure. They will begin asking about waste, mismanagement, bureaucratic overlap, and redundant ministries concluding that far, far too much of their donated funds are not making it to benevolent ministry, education or missionaries, but are going to support a structure. Many will conclude, as many already have, that if the only vision offered is to “keep Denominationalism alive” then it will no longer hold any appeal. (I recognize that giving has bounced back from recessions of the past, but during those times there were no legitimate options for “doing missions” except the denominational structures; that has now changed.)

Denominations’ tenuous relationship with technology will exacerbate the situation going into and leading out of the economic downturn. Most denominations would be satisfied to have their annual sessions broadcast live via streaming video and that would be fine…for a year or two. Why is it so stinkin’ difficult to grasp the concept of satellite feeds to multiple locations?

Way back when Dr. Jimmy Draper alerted the Southern Baptist Convention that the “younger leaders leaving the SBC” was at the “Severe” level, one of the commonly seen online suggestions was the exploration of multiple meeting sites and the ability to vote either online or at a satellite site. The ignoring of the money saving suggestions will come to haunt any denomination as a generation arises that is hardwired for efficient spending of Kingdom dollars. Through a video conferencing website called Genesys, I simulated an SBC meeting being held in Denver. The total estimated costs of video conferencing 7,000 delegates was about 17% of the cost of flying from various U.S. cities to Denver, saving an accumulated 31 years of cumulative travel time and 8,555 metric tons of carbon footprints.

The former print mag, Business 2.0 (now online here), in an August 2007 article entitled, “The Rise of the White Collar Nomad,” told of Anthony Page and Simon LePine, among others, who had ditched their offices (and sometimes homes) to spend the majority of their working hours out of doors. Armed with a laptop and a few hundred dollars worth of wireless connectivity equipment, these folks have taken moofing to a whole new level. Their offices were the entire outdoors. Mountains, lakes, London, Canada, India, they simply live where they want at the time, get paid through Pay Pal or other online account and see as much of the world as they desire. Sure, most of them are in consulting or sales, but it is technology that makes this wireless lifestyle possible. The same kind of technology could, and should, be helping denominations make better use of kingdom funds.

The Siemens corporation, as reported in Fast Company, September 2007, is working on a wireless check-in system for airports by which there would be no paper ticket, no kiosks, no boarding passes, only a bar code downloaded to your cell phone scanned at the gate and presto, you’d be good to go. Wouldn’t that be nice at the annual meeting? New Bethany’s partnership in Siberia is going to be strengthened as the M there takes advantage of a satellite connection that will allow video conferencing. Last year we hosted, via Skype, our missionary in Eastern Europe who actually taught three sessions through the video hookup and cost us absolutely nothing. Completely free. This while many M’s routinely have monthly meetings requiring multiple day excursions from their country of ministry. Some Regional Leadership even fly back to the states for meetings that could easily be held online or via satellite saving their denominations thousands and thousands of dollars.

Trustee meetings, board meetings, Executive Committee meetings (state and national) could all be streamlined and made much more efficient if advantage was taken of existing and developing technologies. In the Southern Baptist Convention alone, the six yearly meetings of one entity’s trustee board costs $500,000 of Cooperative Program missions giving. With almost no effort, change could take place immediately. But it will not and we all know it.

Instead, denominations will hunker down and try to ride out the coming economic storms. (In fairness, per capita SBC giving has been increasing over the past few years. IMO, that trend will change within five years.) As they prove more inflexible structurally and wasteful economically, churches of all sizes will conclude that money given to support the inherent denominational bureaucracies is no longer good stewardship of God’s money.

April 30, 2008

Saving Money by Winning the Grocery Wars

Filed under: Budgeting,Economy,Finances,Life — Tags: , , , , — Marty Duren @ 9:24 pm

The genesis of this post began about two months ago. As I have previously mentioned, I do the majority of the grocery shopping for our family and had just returned from the store where, for the first time, we had surpassed $400 for our monthly “mega-buy” (to be explained shortly). Though I knew we were in an inflationary economy, I was shocked at just how little my dollars were worth. To top it off, Sonya had to go to Sam’s Club to pick up some salad. She had convinced me that buying the big bag at Sam’s was superior to buying lettuce, spinach, etc and combining them, even if the big bag was not completely consumed.

A couple of hours later, I saw a receipt from Sam’s on the kitchen island for $55 and change. I had a meltdown. All I could think was, “She just spent $55 on lettuce!” I could not believe it (yeah, yeah, it wasn’t all lettuce you may have guessed). My meltdown led to a long conversation during which we resolved to find a solution to this dilemma. Before moving to the decision that was born from that conversation, there are two things that you need to do to win the grocery wars.

1. Buy a freezer, either upright or chest style, but upright will probably work best. To take full advantage of this strategy that we use you need to have cold storage. You can find a freezer at moving sales, scratch and dent sales, downsizing sales, etc. It does not have to be brand new, but make sure it’s new enough to actually be efficient.

2. Do a monthly “mega-buy” at which time you purchase all your non-perishable staples for the entire month storing it in your refrigerator, freezer and pantry. Sugar, flour, cereal, pop-tarts, pasta, canned goods, etc, will last until Jesus comes back. Unless it falls behind the counter and out of sight it will not expire on you and certainly not within four weeks.

In order to do this, the primary meal preparer needs to prepare the daily menu well in advance. Because of the nature of shopping like this, you will buy more than your kitchen freezer can accommodate, hence the need for an upright freezer. Doing a “mega-buy” saves time and money as your remaining trips from weeks 2-4 of the month are only quick stops for milk, bread, eggs or when guests are invited.

Another thing that you will find is that you don’t run to the grocery store as soon as you run out of something. If you run out of pop-tarts a week from grocery buying day, you tend to just write it down and then eat an orange or something. In the long run, you don’t buy as much because you aren’t going to the store once a week. If you don’t already have a frugal mindset, you will develop one soon.

3. Unless you are just loathe to do so, do your monthly “mega-buy” at Wal-Mart, Super Target or a similar store. Wal-Mart is where I spend an hour and a half once a month and it is well worth it. Grocery stores are 30-40% higher on almost every item than Wal-Mart’s regular prices. For lunch one day recently I bought a new snack cracker at Publix and paid $2.99 thinking, “That’s not really too bad.” A week later at my mega-buy, I saw the same ones at Wal-Mart for $2.00. This is true with virtually every item. Additionally, both Wal-Mart and Super Target (and other similar stores) take coupons which helps even more. The reality is that Wal-Mart’s normal prices are cheaper that most grocery store prices with a coupon.

We buy very little at Sam’s (coffee cream, coffee, garbage bags, paper plates, etc) as some of there bulk prices actually are not cheaper once you start pricing by the ounce. The mega-buy does not work as well at warehouse stores (Costco, BJ’s, Sam’s) unless you are John and Kate Gosselin since to get as large of a variety as you need would require spending $800 dollars on an estimated two tons of food.

4. USE COUPONS! Not using coupons is like sending back your income tax refund or turning down a love offering. It’s the same as rejecting free money. Yes, it takes a little time, but you can actually make a good “part time salary” if you will get a system and be diligent about it.

Coupons can be found everywhere, but many of them are hidden. Websites such as Mommy Saves Big are link sites for manufacturers coupons. These can be printed and taken to the store. If you do not subscribe to the Sunday paper in your area, then your are likely missing a bonanza of savings. (We have a daily subscription to the Atlanta Journal Constitution and receive the Sunday paper through it. Last week I remembered that one our local papers carries the exact same coupon bundle as the AJC. I went online and subscribed to the Sunday ONLY delivery of the Gwinnett Daily Post for $12/yr. Sunday came and we got $5.00 of usable coupons from the Post. That’s about a 45% return in 24 hours. Dang! Is Wall Street hiring??)

Another place to find coupons is in the grocery store. Near us, both Publix and Kroger have coupons in the front of the store, with Publix having 4 or 5 different small coupon magazines with both manufacturers and store coupons. Also, you know those little coupon dispensers hanging off the grocery shelves? Those are manufacturer coupons and can be used at any store including Wal-Mart. And you aren’t limited to one coupon!

Still another source are manufacturers websites. On many (we’ve done Betty Crocker, Pillsbury, Nestle, etc) you can receive email coupons. If you don’t want to clutter up your email, then set up a coupon only email such as “martyscoupons@email.com” to get them all.

5. The real money is to be saved with a coupon strategy that involves your local grocery stores and your local drug stores like Rite-Aid, CVS, Walgreen’s, etc. This strategy will only be effective if you have these type stores in a reasonable cluster. Suburban shoppers will benefit much more than rural shoppers. The key is coupons and store specials. This is how is works:

Look through each and every drug and grocery store flyer in the Sunday paper. Drug stores especially like to do “buy 1 get 1 free” and “two for” specials to try and get people into the store. A recent ad for Rite Aid drugstore had Kashi cereal 2/$5. They listed the normal price at $4.49 per box which is outrageous. The special, though, made it cheaper than Wal-Mart. Almost every chain has those type specials every week, you just need to learn to watch for the items that you use and then use your accumulated coupons for real savings.

Recently, Publix grocery had Kashi cereal on sale “buy 1 get 1 free” at the regular price of $3.39 (it’s actually buy two at half price and you don’t have to buy two). Hidden in an organic products advertiser at the front of the store were coupons for $1.00 off boxes of Kashi cereal. I got four of the books and tore out the coupons standing at the register. (Did you know that stores allow you to use coupons on every item of a buy 1 get 1 free sale? That’s because the sale is from the store and the coupon is from the manufacturer.) After the sale and the coupons, I walked out of the store with 4 boxes of Kashi for a TOTAL of $2.98. That’s .75 a box for an organic cereal that sells at Wal-Mart for around $2.75 a box.

Our local Kroger store has 10/$10 specials every single week and they don’t require mix and match. In addition, they have other specials tied to the use of the “Kroger Card.” A couple of weeks ago, they had Scott paper towels (the large roll) at 10/$10. Sonya also had several coupons. She went to the register with nothing but 10 rolls of Scott paper towels and paid so little (between $5-6) that it invoked a question and admiration from the shocked cashier.

6. Always, always get the “Store Card” if they have one. Not a credit card, it makes you eligible for in-store specials each week. (Of course they are tracking your spending habits; so what? They are, in essence, paying you for it.) Kroger, Ingles and CVS in our area all have this card as does PetSmart for our animal stuff. CVS is far and away worth getting because of a single thing: in store cash. I’m not exactly sure how they figure it, but with many CVS purchases in which the card is used, there are 2-4 additional coupons that print on the receipt. Weekly, they have an in store special that generates even more savings through “in store cash.”

A couple of weeks ago the CVS in our area had a special on Softsoap Body Wash. It was $4.99 per bottle. With her purchase of two bottles, Sonya received an “in store cash” receipt for $9.50. The next week they had liquid detergent on buy 1 get 1 free for $6.00 and Sonya had two coupons ($1.00 each). She was able to get two regular size liquid detergent bottles and a some other stuff for a TOTAL of .09 cents. Yes, you read that right. Nine cents.

This week Kroger has Clif Bars on sale 10/$10 (Clif Bars are organic energy bars). Left over from the organic magazine from Publix were 4 Clif bar coupons for “Save 1.00 on 3.” Since I eat a lot of Clif bars hiking I bought twelve, plus Snickers at 3/$1. When I looked at the receipt, I had saved $5.39 and spent only $5.93. Clif bars are normally $1.35-$1.45 each.

7. If you aren’t able to get a freezer to store frozen goods, create places in your house to store your stash of food. The garage, the tops of kids’ closets, under the bed (in the grocery bags), the laundry room, etc can all serve as places to store extra food and supplies.

The primary danger here is not being disciplined on the “mega-buy” after stocking up during the previous month. You can’t buy all the junk food that you usually had skipped simply because your buggy looks empty. Rejoice! That means it is working and you are saving money.

Last month, the month after my meltdown, is when we started with the strategic coupon buying. Our “mega-buy” for this month was only $225 and we’ve already saved on next month with all the special buys and buy one get ones. The total we spent on specials was $116. We saw an improvement after only one month and it will improve more as we learn how to spot more specials and locate coupons.

With enough effort and some invested time, most any family can see a real savings each and every month (or week if necessary) keeping some cash rather than sending it to the local “grocery syndicate.” Give it a go; I think you’ll find it worthwhile.

(All credit for our strategic buying goes to Sonya who did a truckload of research to figure out how to make it work. She used The Grocery Game (which is a pay service scaled to how much information you want to access) and The Coupon Mom (which is less detailed but costs nothing).

April 27, 2008

Saving Money Through Lifestyle Changes

Filed under: Budgeting,Economy,Family,Finances,Life,News — Tags: , , , , , — Marty Duren @ 9:46 pm

There are lots of ways to save money with minimal effort. This post deals with lifestyle changes that, added together, can cut living costs substantially.

1. Learn to live with heat. During spring time, allow the house to get as hot as you can stand it before turning on the AC, then keep the temp around 77-78. You will acclimate to the temp as it will still feel cool after a hot ride in the car or working in the yard. If you have a two story house, keep the upper story cooler by a degree or two. You’ll be surprised at how this will keep the lower story cool as well.

2. Walk when you can. You may live so far out that you have to go hunting toward town and, if so, then this may not be practical. We live about a mile from a Kroger grocery store and, on occasion, I will walk to the store with a backpack and buy the few things needed. In addition to saving gas, the exercise does not hurt. One day last week my “spare donut tire” went flat at the Kroger. Once home in the afternoon (after getting a lift) I walked to Kroger, removed the tire, carried it to the repair shop about .25 miles away, back to the car and then drove home.

We have a mall near our house that has several out-parcels with various stores. When comparison shopping, I will often park equidistant from Best Buy, Circuit City and H. H. Gregg then walk to all of them. Throw in Target and I’ve saved a lot of starting and stopping as well as cranking and shutting off the engine. (Shopping online cuts down even on the cost of driving to the mall, but one must plan far enough ahead to consider the shipping time. That’s a tough one on me.)

3. Reclaim your water. When you warm up your shower, you lose anywhere from 1/2 to 1 gallon of water-multiply that by everyone in the house and number of daily showers and it adds up to a lot over time. That water can be used on house plants, yard plants or even to refill the toilet tank after a flush (once you work on your speed). A plastic bucket in the shower is a very easy way to accomplish this.

For less than $50 you can purchase a 50 gallon plastic drum and convert it to a rain catcher (attached to a gutter downspout) complete with mounted spigot. It would only be good for outside watering, but it would save you some money on municipal water.

Also, as mentioned in the previous comments thread, skip a shower on your day off…unless you already smell like the goat man.

4. Buy clothes on clearance. Some clothes just never go out of style and those clothes can be gotten for a song at the end of winter and summer. Thursday I got a sweater for $4.00 and a long sleeved, solid color shirt for $3.40 at Kohl’s. Don’t buy faddish clothes on clearance-it’s too late by then.

Some very good deals can also be found on every day wear. I like colored tee’s that can be worn alone or under another shirt. Picked up two Jerzees at Target for $4.99 each. If they fade too badly, they become working around the house shirts that I can keep (literally) for years. I still have a shirt from high school (Riverdale, GA, class of ’81) that I wear to change the oil in the cars, etc. If you have to wear Polo to cut grass, you have some serious issues ;^)

5. Buy clothes that last. No, this is not contradictory to #4. For me, this depends on what I’m buying. Hiking-wear is inherently expensive, so I’m willing to fork over the extra. There is an art to packing a backpack and every ounce counts. Forty-five bucks for quick dry nylon pants is far superior to packing jeans that hold every drop of water for hours. (Although, I did pick up a couple of Columbia nylon shirts for $9.99 each at Target. Similar shirts would have been $14.99-19.99 at REI.)

Shoes are another place that I don’t cut too many costs, though I still look for savings. As one gets older, the feet need special attention so the shoes that I wear a lot I’m willing to spend $90 or $100 to get. For me, those are going to be Montrail, Timberland, The North Face, etc, not patent leather that I will only wear a couple of hours a week. On those I will spend just enough to get by, provided they have good arch support.

6. Don’t allow your kids to become “brand conscious.” You’ll go broke trying to help you kids keep up with Aeropostale, Abercrombie and Fitch, American Eagle, Hollister’s or whatever else is the rage. Many teens could set their own style if they would follow Napoleon Dynamite to the local thrift store where they could find cool shirts for $2.00 that would run $32.00 for similar ones at the mall.

Shop for kids under middle school at Wal-Mart, Target, Kohl’s, TJ Maxx, etc. Kids don’t stay the same size long enough to justify spending $25.00 or more for a pair of tennis shoes or $40 for some silly sailor outfit.

The same can be true for adults. I am hard pressed to spend $40-50 on Levi’s or Lee jeans when I can get Wrangler or Urban Pipeline for $12-15. They all last the same length of time.

7. Combine errand trips. Taking ten trips to go ten places is just bad stewardship. Keep a list on the refrigerator or the kitchen chalk board for a few days and run errands on one trip rather than five.

8. Call home before coming home. Cell phones are a God send for communicating with home base. Call home when leaving the office to see if anything (milk, bread, last minute dinner ingredient) can be picked up while driving by the story anyway.

9. Work from home or a coffee shop a couple of days a week. During this time of skyrocketing gas prices, churches should understand that the pastor can get as much done at home and should bless him by allowing him to save the money. Concentrate as much office work as you can around two or three day during the week and work from home (prepare sermons, write, make phone calls) the other day or two. Cell phones and the prevalence of the internet at coffee shops and restaurants should make us more mobile, not less. Besides this, working from home means you don’t have to wash, dry and iron another set of clothes.

10. In the summer, avoid using the stove. Grill out or eat sandwiches. The stove not only takes a truck load of power to run, it heats up the house requiring more power to cool it. Buy a griddle for breakfast foods or grilled sandwiches.

After using the stove in the winter leave the door open for a few minutes to allow the remaining heat to warm the kitchen. (If you have small kids or clumsy family members, this may not be practical.)

11. Cut down on household waste (limits trips to the dump or recycling center). Fruit peels, coffee filters and grounds, egg shells and more can be used for compost. A large, thick “bean bag” from Starbucks can be used to store them under the sink until taken to the compost pile or bin. Many Starbucks stores also have used grounds available for customers to use at home in gardening. Those grounds are usually in the silver bags referenced above. (If you do not garden, you probably have a neighbor that would love to have it.) Find out if your local government allows trash burning and create a small fire ring in your back yard, thus saving gas or cost of a trash hauling company. Our county does not allow trash burning, but has set up numerous recycle centers around the county so that conscientious residents can recycle a LOT of household trash and dispose of the rest.

12. Change the filter on your AC/Heat unit according to the schedule. It both keeps the air clean and allow the system to run more efficiently.

13. Gradually change over to fluorescent lighting. Incandescent light bulbs use more energy, don’t last as long and bring more heat into the room. If you use lots of lamps, you’ll have to make sure that the shade attaches in such a way to allow for a non-round bulb. Some of the florescent bulbs, such as n:vision available at Home Depot, are now as small as regular bulbs. That particular brand is warranted to last nine years.

14. Turn the heat down at night. That’s why God created blankets and Grandma makes quilts. Flannel pjs for the kids are fine. Why run the heat at 72 degrees when no one is awake to enjoy it? Turn the thermostat down to 65 or lower and cover up! (Turn it down during the day, too. A shirt and sweater will keep most people warm in a 68 degree house. Besides, it’s good stewardship.)

15. Invest in a freezer. A solid upright freezer can be gotten from moving sales, estate sales or your local appliance company. Make sure it is not too old or the efficiency will simply not allow it to pay for itself. In my next post, I’ll talk about why it is so important.

16. Buy groceries once a month. Get into this habit as quickly as it is possible, perhaps when your tax return or tax rebate arrives. You will not believe how much money you will save with just this one move. (More on this one in the next post).

17. Trade the gas hog for economy. Prices are not coming down so now is the time to trade the Suburban, Expedition or Mammoth Car for a 4 cylinder or hybrid. I’m so thankful for my 30 mpg around town Accord, but we’re really debating what to do about our 18 mpg truck. If it can reasonably be worked out, it’ll be gone.

Coming next: Saving Money Through Winning the Grocery Game

April 24, 2008

Saving Money in a Sour Economy

Filed under: Budgeting,Economy,Finances,Life — Tags: , , , — Marty Duren @ 7:51 am

I don’t know about where you live, but “consumer prices” here in the Southeast are waaaaay out of control. Gas is up about 50 cents a gallon in the last 6 months and about 20 cents a gallon in the last two weeks. Emails about boycotting certain gas stations to force lower prices (which will not happen) will be circulating again soon and the “lowest gas prices in your area” emails have started now. I’m more seriously than ever considering buying a (used) hybrid vehicle as I don’t see that gas prices are ever going to fall substantially. Perhaps back down to $3.00, but not lower than that.

Because of an argument with Sonya over grocery prices about a decade and a half ago I am the primary grocery purchaser in our family. We do pretty well for a family of five (until August when it becomes four) but have seen our grocery bill skyrocket over the last few months. Due to the water shortage in Georgia local water prices have risen about 8% for 2008. Building materials and supplies are up. I haven’t checked clothes lately, but we’re about to have to spend a king’s ransom to provide proper attire for our two youngest.

I think I inherited frugality from my Mother. As early as I can remember she was clipping coupons and looking for the grocery store that had the best prices. Gas, at 40 cents a gallon, was hardly a concern. Most any of my kids would bear testimony to my unwillingness to eat out, leave lights on, buy branded clothing and probably things I’ve forgotten. Thankfully, Sonya balances me though we’ve had quite a few “discussions” over the years.

Over the next couple of posts, I’m going to deal with practical, easy ways to save money. Much of it will have to do with a grocery buying strategy that can save up to 30% of your monthly grocery bill. Some of it will have to do with utilities and living expenses. Perhaps you’ve put some of them in practice, perhaps some will be new to you but it will be an exercise on how to squeeze blood out of a stone.

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