Zero-Based Budgeting

Not to be confused with zero budgeting, which is not a good thing, whether it’s because you simply don’t have a budget, or because you have a lack of anything to budget.

Injured Piggy Bank WIth Crutches

Zero-based budgeting – a concept I recently encountered – is the idea that each year’s budget starts from zero, and everything has to be justified. This is different to the usual sort of budgeting where you get as much as you got last year, whether you needed it or not (which explains a lot about government departments and their spending habits).

Jack Lew said “The budget is not just a collection of numbers, but an expression of our values and aspirations.” The same could be said of our belongings: they reveal a lot about who we are, who we think we are, who we would like other people to think we are, and who we would like to be.

What if we applied the concept of zero-budgeting to our stuff? Imagine emptying everything out of your house – including the furniture – and only carrying back in what you felt was worth the effort. Of course, many of us have so much stuff that this would be impractical, as we wouldn’t get through moving it out, sorting it out, and moving things back in before the day’s end.

The Big Wet Couch

Although now I think about it, the looming realization that anything you don’t move back in before bedtime will be prey to anyone who wants it might perhaps focus the mind in a wonderful way.

I admit, I’m not planning to do this myself. For one thing, the weather is hardly conducive to having everything outside. Yesterday it rained ice off and on all day. But I do sometimes sit down and wonder to myself what I would take and what I would leave, if I had to move to the other side of the world.

Moving house is basically the same as taking out all your stuff and putting it back, it’s just putting it back in a different house, and generally with an expensive interlude. It is remarkable how your enthusiasm for something can wane when it’s actually going to cost you something.

I stare at my possessions, drawing fine distinctions of worth and value. This teapot, perhaps, but not this one. These books, but not those. Looking at life this way has made me realize that I could actually do without a lot of the stuff that I have. Quite happily. So why not start now, avoid the rush?

Project 365 #23: 230110 Who's Been Sleeping In My Bed!?!

Take bedding, for example. When the poet spoke of “only half a bed,” I’m fairly certain he didn’t mean the rest to be covered with pillows, cushions, bolsters, and whatever other unnatural forms of padding have snuck in there.

Last month I went through the linen cupboard. We now have two sets of winter sheets and two sets of summer sheets for our bed and one set of each for the guest bed. Two blankets and a duvet (with a cover or two) for each bed as well. A sufficiency of pillowcases, allowing 1-2 pillows per head. What more could one need?

The June-prune list is therefore rather linen-heavy:
one queen-size duvet cover with matching pillowcases
three sheets
two pillowcases
a tablecloth
five CDs
one bath cushion shaped like a duck (alas, poor ducky, he grew mildewed)
and two mismatched glasses.

pruning-shears-24437_640

I also (and not without a pang) pruned out the Historical Sew Monthly – a paring of time, not space.

After all, 2015 was to be my Year of Finishing Things, not starting them. I haven’t finished many of the projects I had underway at the start of the year, but I have certainly made progress toward that goal, and the year is far from over.

One thing I did finish was the extending rewrite of Dead Man Talking, a stage comedy/farce which was originally a 20-30 minute bibelot and is now what I believe the Germans call “abendfüllend” i.e. evening-filling. I was able to put back in all the complexities of plot I had to leave out when it was a short play, and I think I am justified in saying that the plot is now a dastardly and cunning one.

Villainc

Of course, it still wants some rewrites before I send it on its way, but I am fairly pleased with where it is at present. I shall put it aside to simmer gently while I return to the speculative fiction work I first-drafted last year. Speculative fiction is a much better name for it than fantasy, I think – fantasy suggests that everything goes exactly the way you want it to, which couldn’t be further from the truth.

But first, I am rearranging the study/library/writing room – yes, I know, I’m spoiled – and doing a bit of pruning in there while I’m at it. Mostly rubbish and recycling, so unlikely to find its way onto the July List.

What’s up with you? Pruning? Budgeting? Finishing things, or starting over? Always happy to hear from you!

A tiger, a sheep and a goat go shopping…

My pet theory (one of them – I keep a menagerie) is that there are two basic kinds of shopping: tiger shopping and sheep shopping.

Roncalli-tiger hg

The tiger knows just what she wants. She knows where such things are likely to be found. She stalks her prey, she selects the juiciest from the herd of possibilities and – she pounces!
Should the tiger’s preferred prey elude her, she will not waste her time running after something else. No. She will retire to her tree and sulk. And when she’s got over her sulk, she’ll go hunting again.
Tigers are also noted for teaching their offspring to hunt the same way.

In marked contrast to this is sheep shopping. The sheep prefers a more laid-back style of shopping – frequently as part of a sociable flock. The sheep mosey from place to place, having a nibble here and a nibble there. They graze as they wander along, stopping now and then to munch down a particularly tasty morsel. The sheep is not looking for anything in particular, she’s just seeing what catches her eye.

sheep

Both approaches have their good points and their bad points. Tiger-shoppers seldom waste money; but they sometimes use up a lot of time looking for just the right thing – especially since they don’t shop as often as sheep shoppers and don’t necessarily know what’s available where at the moment. This also means they’re less likely to own stuff they don’t really like.

Sheep-shoppers spend lots of time shopping as a matter of course, but don’t get stressed about it as they aren’t aiming for efficiency and are probably socializing as they go in any case. They do often waste money, though, because it’s quite hard to spend significant time shopping without buying anything. They are more likely to be dissatisfied with their purchase(s) once the “new thing!” buzz dies away.

If you carry sheep shopping to the extreme, you get goat shopping. Goats will go anywhere and consume anything, with a complete lack of discrimination.

Mombasa-goats eating posters

Goat shopping results in having too much stuff and not enough money. It is bad for you, the environment and everything in between. Do not act the goat.

And speaking of acting the goat, did you hear about William Windsor trying to headbutt a drummer during a Queen’s Birthday parade? True story!

Which kind of shopper are you? Tiger, sheep, goat, or a mix of all three? I prefer tiger-shopping myself, but I spend a lot of time sulking in my tree. And sometimes I make a baaaad decision (sorry!) and buy something that isn’t quite what I wanted, just because – unlike what I wanted – it was there.