My year of no spending is over – here's how I got through it

Michelle McGagh in The Guardian


Just over 12 months ago I gave myself a challenge: give up spending on all but the essentials for a whole year. I started on Friday 27 November, just as many other people were hitting the shops. It hasn’t always been easy, but a year on I am wealthier and wiser. Embarrassingly, I have also realised just how much money I’ve squandered down the pub, in restaurants and through mindless shopping.

The challenge

As a personal finance journalist people assumed I was good with money but while I wrote a lot about the merits of saving, I wasn’t practising what I preached. I figured that because I earned a good wage, didn’t have any credit card debt and my bank account was in the black, I didn’t need to worry about how much money was leaving my account.

I was spending without thinking, lured in by advertising and the promise that I could spend my way to happiness. I was stuck in a cycle of consumerism – earning money to buy stuff I didn’t really need, which wasn’t making me happy.

Giving up spending for a year was an extreme approach, but the aim was to embrace extreme frugality, shake up my spending habits and overpay my mortgage instead of shopping. I could continue to pay my bills, including mortgages, utilities, broadband, phone bill, charity donations, life insurances, money to help my family and basic groceries.

I’ve learned to shop for food in a better way than I did before – I have planned meals, batch-cooked and improved my dire cooking skills slightly. My husband agreed to do the grocery part of the challenge with me this year and we reduced our weekly shop (which covered three meals each a day, toiletries and house cleaning products) to £31.60 a week.

 

Michelle McGagh’s cycle became her best friend.



Finding a new way to live

There were two instances in the last year when I had to put my hand in my pocket. The first was on a cycling holiday when I spent £1.95 on a bag of chips because there was nothing to eat in the only local shop except for pork pies. The second was when my next door neighbour – who didn’t know I was on a no-spending challenge – had given a roofer the OK to fix a missing tile between our terrace house and his. The work had already been done and the roofer paid. It cost £100 and we owed him £50 so I paid up. I’m not too upset by the fact I’ve paid out £51.95 all year.

I’m not going to pretend it was easy, especially in the first few months when I tried to live my old life without money and found it wasn’t working. There were plenty of times I wanted to abandon it and indulge in some retail therapy, buy a pint in the pub, or even just purchase a bus ticket instead of getting on my bike for another journey.

But I realised I just had to find new ways to have fun that didn’t include putting my hand in my pocket and defaulting to the pub. Using sites such as Eventbrite I have been to film screenings, wine tasting evenings and theatre productions for free. I’ve also used SRO Audiences to see comedy shows and TV programmes being filmed, and none of it cost me anything.

Living in London I have a wealth of free cultural activities on my doorstep and I’ve been to more art exhibitions this year than ever before – my favourite being First Thursdays, where 150 galleries in east London open late and hold private views and talks.

I even managed a free holiday, cycling the Suffolk and Norfolk coast and camping on beaches. It’s something I’d never done before and probably wouldn’t have, were it not for the challenge – and now I can’t wait to go again next year.

I would like thank those who engaged with me on social media to say they were enforcing their own spending bans

There were lows, such as when I missed gigs and blockbuster films. And I’ve not been able to join friends when they have gone out for a nice meal. There have also been some awkward moments when I’ve turned up to a friend’s house for dinner empty-handed because I couldn’t buy a bottle of wine as a thank you. I did a lot of washing up at my friends’ houses this year as a way of saying thanks for feeding me.

The savings

After my expenses were met, I started overpaying my mortgage. We also took in a lodger, and my savings and their rent have helped us pay off an extra 10% of our loan.

Paying off a large chunk of the mortgage has made me realise that I don’t have to stay indebted to the bank for another 25 years like it wants me to and that I have an option to pay it off earlier. By getting rid of my mortgage faster I not only cut the amount of time I spend paying it off but also the interest I pay to the bank.

I’m grateful to have disposable income to save and feel I should make the most of it – I hope I have encouraged other people to reconsider their spending patterns too. I would like to say thank you to those who engaged with me on social media to say they were enforcing their own spending bans whether on clothes or a month-long ban – they all helped me keep my resolve.

That’s not to say that everyone was happy about my experiment, with some accusing me of poverty tourism, but there is a big difference between poverty and frugality. This experiment was not about living in poverty because poverty isn’t a choice. I could still pay my mortgage, bills and food. The last year has been an experiment in extreme frugality and choosing not to buy, rather than not having a choice.

 

Michelle McGagh’s jeans have seen better days

Despite the awkward moments and missing out, this year has been the shove I needed to try new things. The best thing about the challenge is that I’ve been willing to say ‘yes’ more and that I’ve become more adventurous.Having the choice to spend, or not, is a privilege and I have become far more aware of why we buy. I have come to realise that consumerism keeps us chained to our desks, working to earn money to spend on stuff we think will make our lives better. And when the stuff doesn’t make us happy, we go back to work to earn more money to buy something else. The last 12 months have allowed me to step outside this cycle and I can honestly say I’m happier now. I’ve gained confidence and skills, done things I would never have done and met lovely people I wouldn’t have otherwise met.

Many people have said to me, “I bet you can’t wait to get down the shops and have a splurge”, but in all honesty, I’m not interested in hitting the shops. There are a few practical items I need to replace, such as jeans and trainers, and my bike could do with a decent service but that’s about it. I have one more day of no spending to get through and after that there are just two things I will be buying this weekend: a round of drinks for my friends and family to say thanks for their support, followed by a flight to see my grandad in Ireland.

A year of no spending has taught me what things I really need, and it really isn’t that much.

Five things I really missed


There were lots of big events and nights out I expected to miss out on, but there were some small, more everyday items that I hadn’t expected to miss quite so much.
Decent curry: I’m not the best cook and my home-made curries just can’t compete with my local takeaway.

Fresh flowers: I realised how much I’d missed flowers at home when I was sent a bunch for my birthday – they brightened my home and my mood.

Moisturiser: this didn’t make it on to the “essentials” list, which was probably a mistake judging by my wind-whipped face.

Perfume: my Lidl deodorant stood up to the test of cycling everywhere but a spritz of perfume may have helped me feel a bit more human and less of a sweaty mess.

The bus: while I love cycling, not being able to get on the bus in the cold and rain could be trying; taking the bus, especially to meetings where I had to look smart, would have been a big plus.

How to delete yourself from the Internet

Harriet Marsden in Indy100

In our smartphone-obsessed digital age, we effectively live our entire lives online, which makes us increasingly vulnerable to unseen threats.

Cyber crime, fraud and identity theft are exponentially growing concerns. Our personal lives, locations, and increasingly our passwords are made public online for anyone to find.

If the highly invasive Investigatory Powers Bill (AKA the Snooper's Charter) isn't blocked, then every single digital move you make will be recorded for up to 12 months.

Also, infinite junk mails.

But erasing your digital trace from the World Wide Web can seem overwhelming, especially since each person has on average 1,000,000,000 preferences, passwords, subscriptions and linked accounts. So how would you go about tracking them all down?
In step two Swedish developers, with the easy-assemble, Ikea-style approach.

Wille Dahlbo and Linus Unnebäck have created Deseat.me, which allows you to log in with a Google account, and immediately see which apps and services are linked to it.

The genius part is, instead of having to search all those accounts separately, the site links you directly to the relevant unsubscribe page for that service. It's easy, efficient, and free.

Unfortunately, thusfar the service is only available for accounts and subscriptions linked to Google, which leaves your Hotmail, Yahoo and AOL-related content untouched.

For a similar service, you can use Just Delete Me or Account Killer, both massive directories of links to delete account pages. However, these are only effective when you know the accounts you have. 

Here are some other helpful hacks to help ease your digital footprint:


Change your passwords - billions are now available online, and letter-only English-word passwords are the easiest to crack


Consider using symbols and numbers, as well as different passwords for different accounts


Delete unnecessary social media accounts - this could also benefit mental health and productivity


For any accounts you deem necessary, check privacy settings (also consider whether your Instagram page needs to be public)


Since 2013, every tweet posted from your Twitter account from 2006 onwards is archived, even if you delete your account. Consider converting your privacy settings so only approved followers can read your tweets


​For undeletable accounts such as Evernote and Pinterest, change your name to a pseudonym, create a random email address to reassign, and delete all the information


Go to 'My Activity' section of your Google account, wipe all search/location history and change account preferences


Similarly, delete all activity from other search engines such as Yahoo and Bing


Consider using a search engine that doesn't track your activity (e.g. DuckDuckGo) rather than Google or Bing


Make sure you click 'unsubscribe' at the bottom of each spam email, before blocking it


Request that search engines delete certain results about you (e.g. via a URL removal tool)


Consider employing the services of a data clearinghouse - although this can be a lengthy and time consuming process

• Check with your phone company to make sure your number isn't listed online, and request that they do not post your details in future
• Remove yourself from data collection sites such as Spokeo, Whitepages and PeopleFinder - this can be difficult, so consider paying for a service like DeleteMe

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Warne and Jayawardene on Bowling and Battling Spin

7 ways to tell if you’re heading for divorce

Krystal Woodbridge in The Guardian


‘When one person is stonewalling, the person being stonewalled may try to trigger a row in order to get a reaction’ (photograph posed by models). Photograph: JackF/Getty Images/iStockphoto




Problems such as stresses brought on by circumstances (new job, moving, living somewhere too small, a new addition to the family, etc) are often fairly easy to address and work on. They are usually a blip unless they are ignored and turn into some of the bigger things below. None of the things listed mean your relationship is heading for divorce unless one, or both of you, are not prepared to work on it, either because one of you no longer wants the relationship to work, or can’t admit anything is wrong. While you are both still committed to making it work, there is always hope.

My wife keeps saying 'No sex tonight': the spreadsheet that lays it all bare



Not having enough sex. This does not mean you need to head to the divorce courts. It’s the mismatch that matters. If you want more, or less, sex than your partner, that can cause problems. Otherwise, it doesn’t matter what anyone else does or doesn’t do, it’s what works for you as a couple. Unless there’s an underlying psychosexual or medical reason, a lack of sex is usually a symptom of a deeper relationship problem rather than the issue itself.

Spending time together. Date nights are not necessary unless you want them to be. But not having them does not mean your relationship is doomed. However, if we replace “date nights” with “spending time together”, that is important. It can be going for a walk, watching a film or cooking together. What it does is say “I’m making you a priority”. Otherwise there is a risk of disconnection. If you don’t make time for each other, you can’t know what’s going on with your partner and without that there will eventually be a loss of intimacy. What make you a romantic, rather than a purely functional couple, is being emotionally intimate.

Appreciation and gratitude. These are really important and if they go (or were never there in the first place) this can start to lead to one of the four bigger warning signs below. It’s not about the grand gesture, but small, everyday signs of appreciation. Saying, “I really appreciate how hard you are working for the family,” or even just doing things like making someone a cup of tea. However, in couples therapy there are the Gottman Institute’s “four horsemen of the apocalypse” signs, which are good to know about and look for. These are warning signs that we would look for in therapy that may signal a relationship where the problems go a little deeper and is in trouble, unless the couple are prepared to recognise and work on these areas.

Criticism. If you or your partner criticise each other habitually, you are attacking their personality. Over time, this will breed resentment. If one person is constantly criticising the other partner this can become a huge problem.

Contempt. This is the hardest to work with but not impossible as long as it’s named, recognised and both of you are prepared to work on it. But if one consistently looks down on their partner, is dismissive, constantly rolling their eyes at what the other says, mocks them, is sarcastic (and not in jest) or sneers at their partner, then they are seeing them as “less than”. Contempt can closely follow behind loss of respect.

Defensiveness. If you can’t talk to one another because one or both of you are defensive, this can be a problem because you won’t be listening to one another’s point of view and, over time, you will switch off. Communication is key to working on any relationship problem – without that you can’t get anywhere. Defensiveness can lead to “blame tennis” where each person is just lashing out in defence: “You did this.” “Yes, but you did this.” You’re indignant and everything is a battle. You’re so busy defending yourself that nothing gets resolved. If you can stop, get some perspective and give each other space and time to talk and listen, you have a hope of sorting this out.

Stonewalling. This is when one person retreats, won’t talk, and will block the other person. It usually happens if the person stonewalling doesn’t want to hear what’s being said, either because they are afraid of it or can’t deal with it, or both. This can result in the person being stonewalled desperately trying to talk to the other; they may even try to trigger a row to get the stonewaller to react and talk. It results in an awful atmosphere and can eventually make the person being stonewalled too afraid to have any sort of discussion because they are afraid of the silent treatment. This then shuts down any hope of communication and reconciliation.

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Buddha in a Traffic Jam

Don’t fall for the new hopelessness. We still have the power to bring change

Suzanne Moore in The Guardian

 

After the election, Obama told his daughters to carry on: ‘You don’t start worrying about apocalypse.’ Photograph: Rex/Shutterstock


A friend posts a picture of a baby. A beautiful baby. A child is brought into the world, this world, and I like it on Facebook because I like it in real life. If anything can be an unreservedly good thing it is a baby. But no ... someone else says to me, while airily discussing how terrible everything is: “I don’t know why anyone would have a child now.” As though any child was ever born of reason. I wonder at their mental state, but soon read that a war between the superpowers is likely. The doom and gloom begins to get to me. There is no sealant against the dread, the constant drip of the talk of end times.
I stay up into the small hours watching the footage of triumphant white nationalists sieg-heiling with excited hesitancy. My dreams are contaminated – at the edge of them, Trump roams the Black Lodge from Twin Peaks. But then I wake up and think: “Enough.” Enough of this competitive hopelessness.

Loss is loss. Our side has taken some heavy hits, the bad guys are in charge. Some take solace in the fact that the bad guys don’t know what they are doing: Farage, Trump, Johnson, Ukip donor Arron Banks, wear their ignorance as a badge of pride. One of the “liberal” values that has been overturned is apparently basic respect for knowledge. Wilful ignorance and inadequacy is now lauded as authenticity.

However, the biggest casualty for my generation is the idea that progress is linear. Things really would get better and better, we said; the world would somehow by itself become more open, equal, tolerant, as though everything would evolve in our own self-image. Long before Brexit or the US election, it was clear that this was not the case. I have often written about the way younger generations have had more and more stripped away from them: access to education, jobs and housing. Things have not been getting better and they know that inequality has solidified. Materially, they are suffering, but culturally and demographically the resistance to authoritarian populism, or whatever we want to call this movement of men old before their time, will come from the young. It will come also from the many for whom racism or sexism in society is nothing new.

Resistance can’t come personally or politically from the abject pessimism that prevails now. Of course, anger, despair, denial are all stages of grief, and the joys of nihilism are infinite. I am relieved that we are all going to die in a solar flare, anyway, but until then pessimism replayed as easy cynicism and inertia is not going to get us anywhere. The relentless wallowing in every detail of Trump or Farage’s infinite idiocy is drowning, not waving. The oft-repeated idea that history is a loop and that this is a replay of the1930s induces nothing but terror. Nothing is a foregone conclusion. That is why we learn history.

I am not asking for false optimism here, but a way to exist in the world that does not lead to feelings of absolute powerlessness. A mass retreat into the internal, small sphere of the domestic, the redecoration of one’s own safe space, is understandable, but so much of what has happened has been just this abandonment of any shared or civic space. It is absolutely to the advantage of these far-right scaremongers that we stay in our little boxes, fearing “the streets”, fearing difference, seeing danger everywhere.

Thinking for ourselves is, to use a bad word, empowering. It also demands that we give up some of the ridiculous binaries of the left. The choice between class politics and identity politics is a false one. All politics is identity politics. It is clear that economic and cultural marginalisation intertwine and that they often produce a rejection of basic modernity. Economic anxiety manifests in a longing for a time when everything was in its place and certain. But the energy of youth disrupts this immediately, as many young people are born into a modernity that does not accept that everything is fixed, whether that is sexuality or a job for life. Telling them: “We are all doomed” says something about the passivity of my generation, not theirs.

The historian and activist Howard Zinn said in his autobiography, You Can’t Be Neutral on a Moving Train: “Pessimism becomes a self-fulfilling prophesy: it reproduces by crippling our willingness to act.”

Indeed. Campaigning for reproductive rights isn’t something that suddenly has to be done because of Trump. It always has to be done. LGBT people did not “win”. The great fault line of race has been exposed, but it was never just theoretical. The idea that any of these struggles were over could be maintained only if you were not involved in them.

After the election, Obama told his daughters to carry on: “You don’t get into a foetal position about it. You don’t start worrying about apocalypse. You say: ‘OK, where are the places where I can push to keep it moving forward.’”

Where can you push to keep it moving forward? Locally? Globally? Get out of that foetal position. Look at some cats online if it helps. We render those in power even more powerful if we act as though everything is a done deal. Take back control.

Whatever you think of him, Donald Trump is right on TPP and TTIP

Youssef El-Gingihy in The Independent

In a YouTube video of policy proposals released this week, President-elect Trump announced that the US would withdraw from the Trans-Pacific Partnership. This trade agreement encompasses the major economies of the Pacific Rim with the notable exclusion of China. Other policies included a hodge-podge of climate change denial through promoting fracking and coal, deregulation, infrastructure spending and measures against corporate lobbying.

There are mounting concerns about xenophobia following Trump's victory. The appointments of Breitbart's Stephen Bannon as chief strategist, the anti-immigration Jeff Sessions as attorney general, Mike Pompeo as CIA director (in favour of bulk data collection) and General Michael Flynn as national security advisor would appear to reinforce Trump's targeting of Hispanics, Muslims and other minorities.

Yet amid all this soul-searching, the key question liberals should be asking is why authoritarian nationalism is spreading across the West. The answer is relatively simple. Neoliberal globalisation has left millions behind both in the advanced economies and the global south over several decades. Wealth has been siphoned to the top. The economic fallout post-2008 has seen inequality widening, with many falling into poverty. The effects of austerity on southern Europe are a social catastrophe.

The liberal and social democratic parties previously representing working-class constituents have abandoned them and are captured by corporate power. The Democratic party under the Clintons and Obama as well as New Labour under Blair and Brown were emblematic of this process. The result has seen millions of voters turn to candidates positioning themselves as anti-establishment. Hence the success of the SNP, Ukip, Brexit and now Trump.

Free trade agreements are at the heart of the matter. Negotiations have taken place behind closed doors with corporate lobbyists. Transparency has been minimal. It is exactly this kind of undemocratic, technocratic managerialism which is prompting a backlash against elites. It is the same technocratic managerialism that saw the troika of the European Central Bank, the European Commission and the IMF impose unrelenting misery on southern Europe, rendering Greece as expendable. The troika even issued memoranda to be rubber-stamped by national parliaments.

Both the EU-US trade agreement, or Transatlantic Trade and Investment Partnership (TTIP), and the Trans-Pacific Partnership (TPP) are sold as reducing barriers to trade through harmonisation of regulations thus increasing growth. But harmonisation effectively means a race to the bottom with the lowest common denominator regulations being adopted. In fact, there are not many barriers left and the question is more of how growth is distributed. It is now clear that trickle-down economics is a myth.

Trump has stated that he is against TTIP and TPP, and may even reverse the North American Free Trade Agreement (Nafta). Many people do not understand what these trade agreements mean so let me spell it out. They promote trade liberalisation. This essentially means opening up public services to corporate takeover. They would likely make public or state ownership difficult. They would restrict the financial tools available to countries to regulate banks. They would also limit their ability to impose capital controls.

They would lock in privatisation through Investor-State Dispute Settlement clauses. This means that multinational corporations could sue governments if they took steps that harm their profits or even the future expectation of profits. This would take place through private, secretive courts rather than the normal law courts. In fact, precedents have already seen tens of countries sued by corporations for measures taken in the public interest.

The NHS is a good example. It is currently being privatised, paving the way for a private health insurance system. TTIP would mean that if a future UK government took steps to reverse this then they might well be sued. In effect, this acts as a deterrent against government actions harming corporate interests. This would apply not just to healthcare but to all public services, from education and broadcasters such as the BBC to public transport and utilities.

These trade agreements would also enforce enclosure of the commons through intellectual property rights. So drug patents would be extended to combat cheaper generic medicines. Patenting of the human genome would be enforced. Farmers might have to buy seeds from corporations. I don’t know about you, but that sounds like a dystopian world to me.

Neoliberal globalisation is not some irresistible force of nature. Economic protectionism may not exactly be progressive but the current status quo of wage stagnation and falling living standards is unsustainable. If steps are not taken to remedy the damaging effects of neoliberalism then the backlash will only intensify, likely leading to rising nationalism, fascism and global conflict.