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Early Retirement SG

What so great about being frugal?

29/12/2017

2 Comments

 
I sometimes wonder, what so great about being frugal. 
We always pat ourselves on the back and say, "Well done, we didn't spend much, we aren't in cc debt, we save 60-80% of our income."
We aren't the consumer suckers who get themselves in consumer debt... 

But based on previous estimations, people in cc debt are something like only 10-15% of people. 
So why do we say we are doing better than them? It's like comparing against the worst. 

So there are rich people who get into cc debt, and there are lower income people who get into cc debt. 
But we don't compare against the worst so who should we benchmark against?

The true answer is. NOBODY... we should never compare ourselves with anyone, but then I'll have nothing else to write for today's post...

So next we have the rich people who are frugal and the lower income people who are frugal. 
Now, we are likely going to be somewhere in this group. 

Then there's the middle group, rich or lower income, and they spend normally. 
​There's the spend all their money but not in cc debt, and the not really frugal, but still spending lower than normal. 
Picture
So maybe people are classified something like this...

​Then we hear many frugal people talk about how they aren't consumer suckers and they don't want to be in cc debt, etc... So I'm like... errm... a type E person shouldn't be comparing against a type A person. That's like the other end of the spectrum. Of course no one wants to be in cc debt.

But is being type E better than being type D? Is that so much better? Is it worth being more frugal?
So I'd consider myself as type E, then I have a friend who is likely type D. Saves a lot and doesn't spend much, but doesn't splurge much.
He was commenting so and so bought a Lexus and wondered when he would be able to afford an Audi...
And I told him, why not just get the Audi. He can afford it. Maybe it would drop him by a little bit to somewhere between C and D, but that wouldn't put him in group C. With his income, getting an Audi shouldn't be much of a problem. 
He also has no intention to retire early. He likes his work and expects to be working til his later years. 

So I do wonder, is this worth it? For me, I don't feel like I'm giving up anything when I don't buy stuff, I have little desire to spend. And it's a challenge for me, to try to cut expenses whilst trying to maintain my current standard of living. It's like playing a game to me. 

But there's a lot of others who don't think it's fun. Like my friend, he spends money for convenience, he doesn't splurge on many stuff, but he doesn't mind eating at nice places, or going on trips, etc. He doesn't have the latest phones or big screen TV, etc. 
That's when I feel, for someone like him... why not just get that Audi? 2nd hand one of course.

Now, there's a bunch of folks who don't like their jobs, so they try to keep a frugal lifestyle so that they can leave their jobs. That's a good enough reason to be frugal so that they can get FI, blah blah blah... 

But what about those people who don't hate their jobs? 
There are people who are neutral or love their jobs. They take it as a daily routine so they go to work. They may love it, or have no feelings towards it and plan to be working til their later years... in such an instance, does being entirely frugal make sense to them? 
Assuming that they are resisting some form temptation. If they inherently have no desires, then there's nothing to talk about, cos being frugal is just 2nd nature to them...
But what if someone wants to maybe buy something nice once in a while? Once a year? Does that matter? To a frugal person, it matters, mathematically, it also matters, cos in the spreadsheet, it will say, so and so will retire 5 years later... 
But in reality... does it matter?

Like if I want to buy an LV bag every year. That maybe would decrease my annual savings by 5%...
So instead of retiring by 45, I may need to retire at 50...
BUT... what if this person is planning to work til 65 anyway???

So I really think... different people different circumstances.
Maybe it's ok to relax a bit more. 
I mean, if your target is to retire by 35, and you need to save X amount by Y date and every year spending must be kept to Z, then yes, the calculation and everything needs to be as precise as possible and being frugal is a must...

However, most people don't think like this. Many people are planning to work til 50-65 and if so... what's wrong with a little bit more spending... 

Now, of course, with a little bit more spending, it's easy to drop into Type C, then if relax a bit more then maybe drop into type D, and it may get worse. 

So I'm kinda thinking... maybe being absolutely frugal isn't worth it for most/many people. Spend a little to reward yourself (with limits). IF you aren't planning for retirement or early retirement, I think it's pretty ok, especially if you love your job or are planning to be working til 65. 
I do think normal spending with 20% savings rate to be low, but if someone keeps their savings rate high and stays at type D levels, I personally think that's good enough.

I don't think it's about playing with the lowest common denominator, then basically the best way would be to be freegan and earn an income. 
But that's besides the point. Life isn't about everyone playing for the same goals.

Different people different options and circumstances. And everyone should be playing the game according to their own objectives and situations. 
Like when I see someone with an LV bag, or new phone, I don't judge them for being a consumer.
I don't go, "Tsk tsk... why would anyone buy such an expensive thing."
To me, he's made his decision, I hope he lives knowing the outcome of his decision. Maybe he/she has already budgeted very well and this is in their calculation for them to retire at 65. 

So I don't pat myself on the back and say, "well done ERSG, you are more frugal than the next person."
To me, being frugal is pretty much a lifestyle decision. Pretty very much like, taking up a new language, or learning how to code, or playing golf, or being a vegetarian, etc.
Some choose to do more, some choose to do less, others might find no interest in being frugal. 

In the end, it's really all about balance. How people balance their resources with what they want to achieve and accomplish and experience in their lives. 



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Expense Tracking

28/12/2017

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Ever since my freegan experience started when I came back from overseas about a month ago, I was trying to cut down my expenses.

I never thought I would ever be interested to track my expenses closely, cos I tend to run on estimates.
But when I was introduced to the freegan community, I realized that at a certain point, tracking of expenses is necessary. 
When you're trying to cut off $50 from a $500 budget, you really need to know where the money has gone. 
Whereas if I'm trying to cut off $100 from a $1000 budget, all I need to do is to stay at home for 1 weekend.
The mentality is very different, cos when working with smaller numbers, the small numbers really count.

From my previous expense tracking, I came up with the following and classified what I deemed fixed costs. I travel with my wife on her business trips around once a month so I deem that as a fairly fixed cost.
​Anyway... 
Picture
So I was trying to use freegan mentality to manage my spending. Also, it's in December, so there's usually more celebratory dining and not to mention obligatory gifts.

My usual spending is usually $1,000 discretionary spending which is above what is deemed my fixed expenditure. So I was hoping to bring that down to $500 by cutting expenses by getting free stuff.

Food/Dining out came out to be $541
Groceries was under $2
Gifts came up to a whopping $316
Misc stuff was $24
Total $883 in cash/card purchases

Not to mention we spent ANOTHER $130 worth of vouchers on gifts. So gifts was actually $446.
So there was Christmas gifts for family and office colleagues, and my wife bought meals for a couple of colleagues who came over from overseas and stuff like that. 
We still live in a society so some of these things are inevitable to maintain good relationships and networks.

I'm quite pleased with Food/Dining, cos this comprises our weekend meals, my wife's weekday lunches and even all our Special Christmas dining.
We spent an additional $90 dining voucher so the actual spend is $631.
In the above table, this used to be Food + Wife's lunch estimate + Food Court = $650.
Seems like not much change at first look, but you have to realize that Dec is a celebratory month for both our birthdays and Christmas dining, so we tend to eat out a little more than normal months. So for us to keep it constant is already a feat in itself.

Wife bought some new footwear at $24, which is the misc spending.

And the best expense reduction is in my Groceries which dropped to $2. 
I got some free vegetables from Pasir Panjang and Little India.

I get excess food from my mum when I visit her on weekends, previously, I would just tell her to pass the leftovers to my sis, but, hey, that's good money I'm giving away. 
I think about it this way... If my mum were to give away $100 and is willing to split between me and my sis, would I have asked my mum to give it all to my sis? No right? I would likely ask for half the amount. 
Similarly, might as well I get some of the weekend leftovers since she's giving it away anyway.

Also, I "dabao" stuff which can't be finished at restaurants. Even if it's just fries and mashed potatoes. Especially if there is a gathering and there's food leftover, I'll ask for it. I mean, I don't grab it, it's pretty much, if someone else in the group wants it, then by all means they can take it, but if no one wants it then, might as well I get it. It's pretty much "money" on the table.

Ok, so where do I go from here. 
I spent $883 in cash/card, and another $220 worth of vouchers.
Now, I'm not sure if I would have managed the expenses differently if I didn't have the vouchers. ie, If I needed to pay cash for gifts, I would likely have found other cheaper alternatives, or if I didn't have that $90 dining voucher, we might not have gone to that restaurant in the first place. 
So I'm a bit split on how to look at my spending for this month...

But as you all know, I don't care about definitions, cos that's just not in the spirit of things. I'd rather focus on what I can do for my next month expenses.

I'm expecting expenses to be somewhat similar to the above... so I'll budget something like the below.
Food/Dining expected to be around $500
Groceries to be kept under $20
Gifts should drop to $0
Misc stuff I'll budget $50
Total $570 in cash/card purchases

Gifts should be down to zero. 
I think keeping groceries at $2 is pretty unreasonable, so I think $20 would be a better estimate, but I'll try to keep it lower than that by getting stuff for free.
Misc stuff is pretty much any thing which might need replacement, so... it really depends on what happens within the month.
As for food and dining out, well, we still spend normally on weekends, but maybe we'll look for cheaper alternatives, I'll be happy to keep food and dining at $500 or so.

If I can hit the $570 budget then I think it would be a great achievement. And if I can do that for a couple of months then I'll likely drop the spending on one UOB ONE card. 

Once again, I'll say, it's not about just cutting down expenses. It's also about maintaining some quality of life as well. So if it's too troublesome or if I end up not enjoying my meals or my activities, then I might as well not cut the expenses. For the past month, it was fun and my meals were still good so it's still ok. Let's see what happens next month to get a better sense of how things are turning out.


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What's lacking in the freegan community

27/12/2017

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As the freegan community grows due to the media attention, there have been many new joiners to the community.
Daniel has been interviewed by a number of media outlets so every time he does a segment, the community sees a jump in numbers.

I think it's really attractive to be getting stuff free. So it's pretty Singaporean to want to join such a community to get stuff for free. So when people hear about it in the media, they join the community to get free stuff or to learn how to get free stuff. But not everyone joins the closer networks, so many people just follow the Facebook page. 

The founders of the Singaporean Facebook Freegan community live on really small amounts of cash every year and they advocate getting stuff for free... cos... why pay when you can get stuff for free. 
And I agree with them. 

However, I had a chat with reader, Robin, and he mentioned that freegan living only works when the individual has sufficiently planned his finances and is already more or less financially free. Basically, housing and medical insurance should already be settled for the rest of a person's life. Only then can the person move towards freegan living and get his usual necessities from the dumpster or any other methods. 

I agree with him.
For the financially educated, this should be a given. We learn about finance, many of us plan our insurance, savings, investments, etc. And I had assumed that it was common knowledge. However, it is NOT. 

The freegan Facebook page or community has no obligation to mention financial planning to the members. Cos it is a freegan page, not a financial planning page. So the topics are all around freegan living. Absolutely nothing wrong with that. 
This MIGHT, give members the idea that absolute freegan living is possible. They might think that all they need in their lives can be found in the dumpster. Food, clothing, etc. 
We do live in a very realistic Singapore. And many things cannot be found in a dumpster. The founders of the Facebook page both have their finances planned out pretty nicely so they don't really need to think too much about money in future.

But I do wonder, are there, or how many, people have joined the freegan community with false hopes. That they can quit their jobs and freegan living will provide for all their needs. 
Now, I'm not blaming the community or the founders. Cos it's not their responsibility to educate everyone financially. 
I'm just putting across the idea that there may be people who are so attracted by this lifestyle that they fail to plan their finances properly, especially in their later years. They may do fine from now til they are 60 years old and if they fall seriously ill, they may not have adequate financial foundation to support themselves, and by then, it may be too late. 

This is when the phrase... "Common sense isn't so common" comes about.

So if someone joins the freegan community hoping to get some free stuff and learn how to reduce expenses by getting some stuff free, but generally, they carry on with their normal lives and save and plan their finances as per normal... that's all fine. No issues here.

Or if someone who already has sufficient financial foundation and has nothing better to do and wants to reduce expenses further or drop their spending to $100 per month, etc... That's great as well. Cos this person is prepared...

However, if there is someone who doesn't have a job, is young, has low financial foundation, and hopes that he can freegan his way til 80 years old... I think this person needs to get a reality check. 
Considering that most people will need a home to stay in, or medical insurance, or savings for emergencies, they may want to get married and have kids, a whole bunch of other stuff that normal people do. Even if the individual doesn't want to get married or have kids, they will likely need medical insurance, a place to stay and an emergency fund. 
Well, they COULD still continue to live with their parents and all that... but then I think that's not fair to be called a freegan, cos, if we go by that kind of freegan, then might as well the person just lives off the parents for everything and then anyone could be a freegan in that sense.

So I do think that the freegan community MAY give some people a false sense of hope and courage. Cos most people plan for their retirement in their middle years, pretty much during 40-55 years old. But if someone doesn't have savings or a career, they wouldn't have the chance to even do their planning and if they freegan from 30-45, without building their financial foundation, then they might be severely unprepared for their later years. 

Once again, I will say, I do not blame the freegan founders or community for this. I do not expect to find financial planning info in a shopping page or credit card page, etc. Activity pages are meant to be for the specific activity so the freegan pages has no need to put up financial planning information. 
I'm just putting across the possibility that some individuals might think that such a lifestyle is entirely possible without looking at the underlying foundations or risks that they may need to consider.



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Streamlining my Freegan activities

26/12/2017

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Merry Christmas everybody!!!

Ok, so I've been doing some freegan activities for the past month, ever since I came back from overseas. It seemed so much longer than just 1 month.
I tried quite a number of things to get a good feel of what it was all about. Incurred a little bit of extra transport charges, etc. But was a great learning journey. 

Over the weekend, I was gathering my thoughts about how my new freegan mentality has changed my life and what activities I would like to add to my own personal money saving activities. 
Now, this whole post is NOT to say that any freegan ideas are bad. Rather, I have tried a number of activities and feel that certain things aren't for me, cos it isn't worth the effort and certain things are worth to do.
Like every other activity, people should try them out for themselves before concluding what they like or what they don't like or what they feel is worth it or not. 

Freegan activities are different from freegan mentality.
For me, freegan mentality is about thinking about other ways to obtain something which I want or need. 
So for me, I will try incorporate this mentality to most of my life from now onwards, but also taking into consideration whether it is worth the effort to get it for free.
As I said in my previous post. The transport and effort to obtain something for free, makes the item not really free, as there is a cost to it. 
So, yes... freegan mentality is something I would like to continue practicing.

Now... there are many different freegan activities and I won't say I tried them all. 
I would say I tried a bunch of them which are the more common activities which the Singaporean community does. 

Here are the stuff I have done and my take on them.
Getting vegetables from the wholesale market at Pasir Panjang (PP). This is when a bunch of folks will go down to PP at around 9:30am to ask for unsold vegetables which might be old stock or ugly stock from the vendors.
Typically, someone who does this will be able to get a week's worth of vegetables in a trip.
For me, I will likely not continue with this activity.
Now... this is a great way to get free vegetables. I'm not saying it's a bad activity.
We are just a pair so we don't eat much. 
I don't cook much vegetables and I don't like to stock up my fridge too much.
My wife is fussy and only eats certain types of vegetables so it's hard to get the exact stuff that she is willing to eat. 
Personally I find that the travel is a bit far as well.
So for me and my own personal needs, this activity doesn't suit me, but it is a good activity for someone who has different consumption habits from me.

Getting vegetables from the vendor at Little India (LI). The community has an arrangement with a vendor in LI to collect his unsold vegetables on a regular basis. This occurs at around 10:30pm when his stall is about to close. The operations for this is a lot easier, cos we just go to his stall and  help him remove all the inventory that he doesn't want, move the baskets to an open area and we sort out what we want there. 
I like this activity slightly better cos it's easier than to approach multiple vendors asking for stuff. 
However, similar to the above activity, I will also likely not continue with this activity. 
Similarly, I will say it is a good activity to get a week's worth of vegetables. 
The timing IS a bit late for me, cos I have early sleep habits. 
My reasons are the same. My wife is choosy over the vegetables so random free vegetables doesn't suit our consumption patterns.

Dumpster diving (DD). I've DD-ed a couple of times. It's pretty fun. I'm a bit mixed on this activity. You see, I don't want anything, as I've previously mentioned. I have low desires. So when I DD, I hardly want anything for myself. More often than not, I pick stuff that I feel are worth something or something that I feel can be sold. 
So I'll classify them... 
Type A : I get stuff which can be sold, like old ovens, toasters, old bags, etc. Stuff which I feel still have slight value but too old or dirty for me to gift my friends and family or to sell well on Carousell. To push these items out quickly so that it doesn't clog up my house, I have been dropping them off at Cash Converters. I've gotten $17, $18, $27 from these sales. Hardly worth the effort

Type B: Next, I also find stuff which are in really good condition. Some are brand new in the their packaging or visibly used but still in very good condition. Example of these are things like printers, some bags, backpacks, perfume in sealed box, etc. These are items which can be gifted or sold on Carousell. Also, they are higher value per piece and can be sold slowly without cluttering up the house. They can also be used for my own personal consumption. Like a good bag could be sold for $20, which is the value of what a load of stuff could get me at Cash Converters. 

Type C: Then there's the last batch of stuff which is almost worthless stuff. Like the ovens, toasters, microwave which don't work, or clothes, etc... These are usually sold to recycling companies in some "Cash for Trash" recycling program. The companies buy stuff by weight for just a few cents. I've gotten $3.40 for selling a few kilos of stuff... totally not worth the effort. 

Do take note that what I sell stuff for isn't what I can buy the stuff for in retail. So I might be able to dumpster dive for $500 worth of value but end up quickly selling it for $50 cos I need to clear stuff quickly. Of course to sell it cheaply is a waste, cos the consumption value is worth more than that, but the market is inefficient and to pass them on also has it's issues. 

Anyway...

So after going through this experience, I have decided to be extremely selective in the stuff I pick up to focus mainly on the Type B, good as new/brand new items. Cos these are the stuff I don't mind keeping for myself or to gift others or to slowly sell. Out of all the stuff I have collected, this comprises about 20% of the stuff I get. Which is a really small amount. Most of the stuff I get, 70% are Type A, I have dropped off at Cash Converters and the remaining 10%, Type C is the items sold to recycling companies. 

Now, once again, I will say, I am in no way saying that dumpster diving is a bad activity. I actually enjoy doing it. For me, I don't need a lot of material stuff cos I have everything I need already in my home. 
Some people suggest giving Type A items to other freegans or people who may need it. Personally, I have had quite bad experience giving away stuff to people whom I do not know. Typically, even to ask them to come to my place is a hassle for them to get free stuff, or I have to make special arrangements to meet them, etc. So I'd rather focus on Type B items which are the really good items to pass to the people whom I am familiar with and I would like to give them good quality items. 

So I will likely continue with some light dumpster diving and be extremely selective of the stuff which I collect. 

Freegan gatherings. Over the weekend, we had  a freegan gathering. It was supposed to be a barter trade to trade the stuff that we didn't want with each other's stuff. It ended up basically asking each other to help clear up each others items. So it was basically... "Come come, just take whatever you want..."
These are pretty much useful miscellaneous items. We got a couple of nice bags which we can pass on, a usable relatively new mouse which we needed, an ethernet cable which I was looking for, etc etc. 
I found the event pretty fun, like a gathering of friends with free food and drink, then I could pass off some of my miscellaneous stuff and collect some small items which I needed or are good to have. 

I will also likely continue to attend such events, cos I get to meet new people in the community, make new friends, etc. I get to pass off my stuff to people who might need it and in return I also get stuff which I myself want. 

Another thing is going to someone's home to help declutter. I'm also a bit split on this. Cos usually it's not near my area. But there's a good chance that the person is giving away good as new stuff along with the other second items they are giving away. I have received some good items whilst doing this. 
So maybe I'll continue going for such events depending on the location. 

Expired food giveaway at Food Bank, this is when Food Bank has food which has expired and they are unable to give it to other organizations or sell them, so they just pass it on to the freegan community. This is actually one of my favourite activities, cos it's organized, and there is a large quantity of the particular item which they have in stock. So if it's something that I like, I can go and get a load of it. Unfortunately, this activity has been halted for a short while so I'm hoping that it will resume again soon. 

Ok, so this pretty much wraps up my conclusion for freegan activities. 
I'll still be practicing the mentality. I think it's a good way to reduce expenses. 
To always keep in mind, that many items can be obtained for free and if they are convenient and a good enough substitute, I should try to get it for free instead of paying good money for it. 

Depending on the situation of each individual, the activities may or may not be suitable for each person. For me, when I first started this journey, I thought that I would like to collect vegetables for free and I would have avoided dumpster diving. However, it turned out that I found DD more suitable cos it is convenient and around my neighbourhood, and I came to a different conclusion after experiencing it for myself. So I do think that people should try out different things (in general) first before concluding if ANYTHING is suitable for them or not, this does not mean only freegan activities, but everything in general, cos you really never know until you try it out for yourself. 

I've made new friends along the way and learnt that haters will always be haters. 
Even within the community of dumpster divers, which is already considered "socially unacceptable behaviour", they are having heated discussions on whether the items which are collected should be given away as presents or if the giver needs to tell the receiver that the items were salvaged from the dumpster, regardless of whether the item is good as new or brand new in box and wrapping. 
So people are always split regardless of actions. 
Some people think dumpster diving is ok, others don't think it's right.
Some dumpster divers think it's ok to give items as presents, others don't think that's right...
Even within those who think that it's ok to give them as presents, some think you MUST inform the recipient that it's obtained from the dumpster, and some think it's ok to keep quiet on where it's obtained from. 
So there will always be haters regardless of actions, even within the community of folks who are deemed to be having "socially unacceptable behaviour" by dumpster diving, there is even MORE "socially unacceptable behaviour", by giving away dived gifts, etc etc... 

This manifests in all parts of our society cos typically people judge people who are different from themselves.


So seriously... we are all adults and are free people to choose what we want to do with our lives and how we build our relationships with our friends and family, and my friends and family are not "your" friends and family, so I can choose to tell them or not, or to give them or not, etc etc...

Ok... anyway, this post does not mean I'm stopping my experience or posts about freegan activities or ideas. Rather, I'm just coming to a checkpoint to consolidate and regroup what I want to do and how I want to move on from here. 
As I said before, different people like different activities, I'm not saying that any of these activities are bad, we all pick and choose what we think is best for ourselves and what is efficient and worth for us to do.

What's important isn't each of these individual activities but rather, the spirit of freegan-ism, to keep the mentality of "HOW might I be able to obtain this for free?"
Instead of, "Do I need this? Do I want this? Can I get a discount? etc etc."

Some of you might notice, why do I ask, "HOW do I get it for free", BEFORE I ask, "Do I need this"?
Cos I want to know how I can obtain it for free. Regardless of whether I need it or not.
Cos I might not need it now, but I might need it in future. And I don't want to think HOW to get something for free when I come to a point when I really need the item. Cos by then, it will be too late and I might need to pay good money for it. 
So when I walk around, I look at stuff and I think... "Hmm this looks useful, how might I be able to get it for free", and I think about it. So that one day, WHEN I need that item, I know where to get it for free.
Doesn't mean just cos it's free, I grab it immediately even though I don't need it or want it at this point in time. 

Ok, that's it for this post. 
I hope that you will NOT draw conclusions from my conclusions, cos what works for me might not work for you and what works for you might not work for me, if you have interest to develop on getting stuff for free, you can drop me an email or comment and I can point you in the direction for you to start your own learning and experience.


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Political Hypocricy

22/12/2017

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I don't like to discuss too much about politics...

So I'll just put out a couple of questions for readers to ponder...

Catalonia wants to get independence from Spain. Who/Which countries support them, who does not?
Taiwan wants to get independence from China. Who/Which countries support them, who does not?

And of course... Why?

Nuff said.


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Where the System Breaks

22/12/2017

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So from my past few dumpster dive experiences, I assume my hourly value earn rate to be around $100 per hour. I say value earn rate, cos it's not money, I get some form of value which IF I bought from retail, it would be $100 or more. 
Once again, I say, I can't sell the items back to the economy at $100, but if I used cash, I would need to pay $100 for maybe a printer and a pair of cigars... but I can't really turn it into cash easily, but I have the value... 

So this is where the freegan community is supposed to come in... Let's say everyone's earn rate is around $100 per hour... that's an assumption for the purpose of this article. Some might be better some might be worse, but probably can do better with some training. 

Now IF everyone "works" for 3 hours contributes $300 worth of value into the pool, and the resources are passed around, everyone gets an average of $300 value back. 
Meaning... I have no use for cigars and 4 printers. So I add it into the community pool. Someone who loves cigars, takes the cigars, and another 4 people get printers. That's great right? I have contributed $300 into the community. Then I also take from the community, so maybe I get some food, a DVD player, an oven, whatever... and so I also get an estimated $300 worth of value back as well... more or less... 

And this system works great right? Like how many people make $100 per hour? Essentially, I work like 3 hours and I can consume $300 worth of products. Cos what I find is useful for someone else, and what they find may be useful for me. 

So the goods and perceived value flows around and everyone should be happy IF the resources are efficiently allocated, meaning the guy who loves cigars should get the cigars, or maybe someone who is interested to try it out. 

Since all the stuff is free, except for a little bit of sweat and pride, most of the people in the community don't care how much each person contributes... like someone may be less efficient, maybe moves slower, whatever and makes $50 per hour worth of value, or some young chap might be getting $200 worth per hour... but no one really cares cos they get what they need and want from the system. And most of the time we get stuff to pass to our family and friends and it's usually all ok.

(Although once, I wanted to get free beer to cook, and the person said "NO", cos he felt that cooking the beer is a waste of the beer and he told me unless I drank it he's not going to give it to me. I'm pretty close with him so it was quite a humourous discussion.)

The system can even support some leechers, meaning, a couple of folks who don't contribute but take some of the stuff that they really want/need. Like in the community, there are the more active people, and there are the lurkers, who just keep quiet, until something they want comes along, then they request for it. But more often than not, they don't talk or discuss anything, neither do they post stuff for people to take. 
That's still fine, cos there is really a lot of resources in the community. And if these folk just take a bit of this and that which they really need, no one really bothers...

Then come along the hardcore leechers... I don't know what they do with the stuff, but they clear out large volumes of stuff. So when someone posts their loot, the hardcore leechers wipe out the loot from the system, furthermore, the leechers might not contribute any or not as much as they wipe out. 
This becomes a problem cos this results in an inefficient allocation of resources, it's highly unlikely that they are "consuming" all the products, there's probably someone else who can make better use of the items. I/We may give people the benefit of the doubt if they wipe out the loot once, but if the same person keeps clearing the system of resources, then it gets pretty obvious and these are the kind of folks who will break the system.

Cos everyone in this system is expected to be gracious. Take freely, give freely (as best as you can, the folks recognize that people still need money to pay for utilities and stuff), don't complain about free stuff. If someone's going to give you something for free, have the courtesy to collect the item at the giver's convenience and to be on time, and do not suddenly not show up.

Of course in any community, there's credibility as well. So if someone's known to be inconsiderate or leeching too much off the system, they just get ostracized, that's how life works... duhz...

This whole story is something like the Tragedy of the Commons...
​
The tragedy of the commons is an economic theory of a situation within a shared-resource system where individual users acting independently according to their own self-interest behave contrary to the common good of all users by depleting or spoiling that resource through their collective action.
--Wikipedia


Here's a short explanation of this economic theory.
​

Here's a longer explanation. You don't need to watch both if you understand the first one. 


And in the real world, we can't really stop this from happening... Cos either we aren't able to determine who is overloading the system or we are unable to remove the person from society.
So in the end, in the real world, everyone plays for themselves and join the leechers and messes up the shared resource. It becomes a situation where if you don't join them, then you're going to be losing out.

But in a smaller community, it is possible to remove the person from the group. 
The thing about this group is that... we can choose who to give our stuff to. It's not like whoever bids the highest or whoever requests for it first. 
So the owners of the resource, which usually they get for free and gift it for free, they can just stop passing resources to the few culprits who are messing up the system. 
Cos it's still a privately own resource but the owners USUALLY allow it for everyone to consume as long as everyone is generally nice about it. 

Duhz... it's a group of people, there's bound to be good and nice people who are considerate and give more than they take, or folks who take more than they give. It happens in every group of people in any society. People change, people talk more, people offend each other... that's all normal part of hanging out in any group.
The thing is beyond all the nonsense, people are happy in this community cos they all enjoy free stuff, some people want to help the environment, some people want to save their pockets, etc etc... 

Would you like to join such a community???


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It's the thought that counts

21/12/2017

1 Comment

 
Couple of posts back, I found a pair of Cuban cigars...
Picture
Immediately after I found them, I messaged a close friend of mine to ask him if he tried cigars before and whether he liked it and how much they cost...
So after a couple of messages, I told him, ok, I'll go check it out...

Today I met him for lunch. I meet him for lunch quite regularly. Around once a week or once in 2 weeks. And we usually don't exchange Christmas presents and such... 
So we were in the restaurant waiting for our food and I took out this box of cigars and said "Merry Christmas!"
And he starred at me and said... "You bought these???" (He seemed quite happy with them.)
And I looked and him and told him... "No... Are you mad???"
And his eyes REALLY widened and he asked... "You FOUND them?!"
And I was like... "Yep..."
And he said... "Woah, thanks... this brings a whole new meaning to the words "It's the thought that counts.""
And I smiled...

I thought about those words... a whole new meaning to the words... "It's the thought that counts..."
Getting things free, really changes those words. 

He knows where I found them. Zero cost to me... 
And yet, he's happy with the gift. 
And I'm very happy to give it to him. 

It really changes thing when gifts are zero cost. 
Cos a mug is the same as a pair of cigars, or a printer, etc... well I'll look for a brand new one if I was going to gift it as a present. 
And then I realize... it really is the thought that counts. 
And it's like... of all the things I've found, I thought of him when I was sorting through my stuff and thought that he would like it. 

Then I wonder... what would I be without this new way of thinking? 
Would I think about someone else? Would I think about giving my stuff away? 
If I earned money, where does it go? 
Ok fine, some people are ok to receive such gifts, and other people I just don't tell them where I got it from. 
But it really does change things for me. When I collect my free stuff, I think about do I need it, do I want it, who can I pass this to, etc etc. 
Whereas when we go shopping in the stores, we don't think much about others... we don't think about our friends. We just buy stuff for the folks immediately around us, usually family or kids, rarely do we think about our friends, friends should earn their own money and buy their own stuff. Actually, family also should earn their own money and buy their own stuff...

And then he asked me... "hey I'm looking for a printer..."
And I told him I had a working printer but without the cables and I would pass it to him once I found the cables.
"and a DVD player... " he added... and I was pretty much... "Sure..."
Then he cancelled the order for the DVD player cos he was joking... and I laughed, cos life really is different when things are free. 

The thing about giving away stuff is that people feel bad when taking stuff. So he walked around with me and bought some snacks for his family and distributed some to me. Quite expensive stuff, I was pretty much... "ehhhh... don't need la..."
But once again, I learnt that when I give, I must also learn to receive gracefully. 
So that the cycle of gracefulness continues. 

Being able to gift stuff on a whim really does change my mental perception of a lot of things. 
It doesn't need to be new all the time. 
But when someone asks, "hey do you have a DVD player", I can tell him, "wait..."
Whereas previously it was a definite, "Are you mad?"
Like who gives away DVD players or printers in the real world?

Ok, I'm not trying to show off that I'm giving away stuff, rather, I'd like to share that when things are free, giving away stuff isn't really very hard anymore. I can make someone happy by giving him free cigars and probably a free printer in the coming days. 
The mental perception of items and value is now very very different from previously and I'm stunned by my own change in mentality.


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What am I writing about?

21/12/2017

9 Comments

 
As I think back as I type, I constantly wonder, what am I writing about. 
It's really quite a number of topics...
​From when I first started til now... and how things have changed...

When I first started, I think I was more mathematical...
Really about the numbers. The returns, how much to earn, how much to save, etc etc...

Then somewhere in between, people started asking me about how it was like to quit my job, how I discussed all this with my wife and what I do in the day, pretty much about the usual challenges of not working early in life. 

As I was not working, no real active income, it then became how to manage the finances and get other forms of income, like credit card rebates and taking advantage of discounts and promos. To get a little bit of extra whilst maintaining the same amount of spending. 

Then now, I'm pretty focused on the freegan mentality, which some people might think is boring, cos I've been on this topic for quite some time. 

So I think about it... how does it all gel together? What are all these themes about? 
Personally, I think I'm getting close to a lifestyle blogger. 
​
Not the usual kind of lifestyle blogger we are used to who post all their flashy stuff...
​but a different type of lifestyle.
A lifestyle blog is best defined as a digital content representation of its author's everyday life and interests. A lifestyle blogger creates content inspired and curated by their personal interests and daily activities.
--​http://mediakix.com/2015/06/what-is-a-lifestyle-blogger/#gs.I=K7emM

Pretty much I think I'm writing about the different aspects of an early retired life, some people say early retired, some say semi-retired, some say karung guni man, etc... whatever...
But some people say, what I'm doing  isn't considered retired... which... I don't know... I thought retired was pretty much to just follow interests...

Maybe retired requires some form of this...
Picture
I found all of those yesterday. But there's only one 7 iron, the rest are all duplicate woods and 1 driver, and there's no putter. Maybe I'll find a putter and take up golf again...
​I do know how to play golf by the way. I just never really enjoyed it.

​My topics will consistently change as I learn new things, for me, my current hot topic is about the freegan mentality. (I use the term freegan mentality, cos I'm not freegan and I do not intend to be.) 
Rather, I try to keep the mentality of how to try to obtain things for free. 
When I go out with my wife, we continue to buy stuff like usual, and if we really want or need something, we pay good money for it. *GASP* THE HORROR!!!

Sometime back, after buying the item, I would ask myself. Do I need the item again? If so, is there a more efficient way to obtain the item, like buy it in bulk, or buy more during promotions. So that I do not need to pay full price for it. 

For example a toothbrush... Maybe my old toothbrush got spoilt and I desperately needed a new one, so maybe I would go out and buy one at full price... then after paying for it, I would have thought, ok that was stupid, maybe I should stock up a few toothbrushes when it's on discount. So I wait for it to have a discount and stock up a couple of toothbrushes so that next time I wouldn't need to pay full price for it.
I think many of us do this...

Now, this mentality has evolved. I might still pay for the toothbrush at first cos I'm desperate, but instead of thinking that I should stock up when it's on discount, I now think... where can I get them free? 
(I'm not talking about re-using someone else's toothbrush... *Ewwww* That's just gross...)
IF I cannot get them free, then I move on to the next step of thinking about buying it at a discount.

For me, I'm pretty fussy with my toothbrush, certain softness, certain bristle thickness, etc... I still can use the hotel toothbrushes which I can get for free, but I'd prefer if I could use those which are to my requirements. 
So previously, I stocked up 8 of these specific toothbrushes which I bought at $0.50 each on discount. 
If you asked me now, would I buy those 8 toothbrushes again, even with my new mentality?
Without a doubt, I would say "YES" in a heartbeat. 
$0.50 to obtain something exactly what I want is a cheap price to pay. That's not going to be easily attainable even using the freegan mentality. 
(There's the option of sitting by the factory of those toothbrushes and waiting for them to throw away the rejected products, but that's just a waste of time.)

Whereas for other items which I'm not so fussy about, I would be more inclined to stick to getting them for free.
Like maybe a bowling ball... I could use a house ball cos I hardly bowl and if I bowl it's just going into the gutter anyway... but hey if I find a fingertip grip bowling ball, I could learn how to curl the ball!!!
So for instances like this, I'm definitely NOT willing to pay even $1 for a bowling ball, cos I don't care very much for it.
Picture
Obviously, yes... I found a fingertip grip bowling ball.
And I'm going to give it away cos I bowl something like once in 5 years? 
The recipient will need to enlarge the holes though, cos I suspect that this was used by a lady bowler. 

Ok back to my topic... lifestyle blogging. 
For a short while, I thought I was considered a financial blogger, then I realized that I don't talk much about finance and investments, but rather about living a frugal life in general in a state of semi-retirement.
Like what interesting things to do, how I reduced my expenses, cheaper alternatives to restaurant food, etc etc. How the relationship with my wife or family works, stuff like that. 

Like other retired people might talk about their jet setting lives or their daily golf, or their grand kids, etc. 
Or other lifestyle bloggers would talk about their make up for the day or the events they go to or their OOTD and stuff like that. 

So I'm really amazed at how this blog as evolved through the years. Cos I had intended to create this as a financial kind of blog, but instead it turned out to be a lifestyle blog with finance management topics. 

I suppose my topics will continue to evolve throughout the years in future about what I do and what it entails to be frugal and semi-retired...
Although I find it very hard to be more frugal than not spending money...

So I'll continue to talk about my life, money management, how to save money via discounts, how to save even more money via free stuff if possible, some stuff just isn't possible to obtain for free so I'll have to settle for discounts. 

And I hope you all will continue following me on my journey.


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9 Comments

How to handle your partner

20/12/2017

0 Comments

 
So when I was talking about early retirement and quitting my job, I got mails asking how did I handle my wife, how did I talk with her about it, how did she accept it, etc etc...

So similarly, now that I've gotten more "extreme", people ask me the same questions cos... it's the same thing in a different form. 
It's pretty much like... "I'm interested in getting stuff free, but my partner isn't too keen..." etc etc...

Let's address their concerns. I do not deny that all this is pretty radical. Getting free stuff breaks a lot of our mental structure of the world, and many people straight out conclude that it cannot be good. 
Like my previous article on "nothing free can be good"

I discussed with my wife a lot about this. Cos... duhz... it's a hard pill to swallow, and many people don't catch on as easily. It's the same as early retirement not everyone is going to be able to accept it. Some people get it, some people don't.
Let's assume you partner is somewhat logical. Cos if he/she isn't logical or rational, then there's nothing to really talk about. 

The easiest free thing to obtain is free vegetables. Cos the community has arranged with a shop owner for him to pass them the unsold stock at the end of some days. So it doesn't even touch the rubbish. They are handed over in nice boxes or rattan baskets and brought over to a less conspicuous location and the people in the community just help themselves like they were going marketing. 
Are they the best produce? Of course not, they are the stuff left over from the stall owner. He has sold the better stuff. But it's free. 
The idea is this... you buy 10 apples for $10, you get to select nice round ones, etc etc...
I get 100 apples for free, I cut off all the parts that I don't like and dump them... usually around 20%, but for the sake of discussion... let's say I dump 50%... so I get around 50 apples worth, but they are cut up in pieces...
So it really depends on your partner... if he/she is willing to accept 50 apples worth for free, but they are cut up in pieces, or if he/she is more inclined to buy 10 nice apples at $10... that's their choice. 
The stall they get this from is a vegetable stall so it's likely that it's going to be cucumbers instead.
But there's a variety of other stuff...

The cost to all of this? Well... you have to travel to the stall, in the evening around 10+pm cos we have to wait for the stall to close, transport it back home and clean them up and cut them up... It's not that there's no cost to it. There IS a cost, it's just a different cost. Most of the folks who do this gather enough food for a week or 2, to make the trip worth it. 

My wife was ok with this. It sounded reasonable and not particularly extreme. But she tells me to do it myself cos it's late at night and she would rather sleep. 

The next easy thing is bread... Depending on how it is managed.
There are 2 ways to get free bread. 
Some people ask the shops directly for free unsold bread at the end of the day. They can arrange with the bread shop to collect these unsold bread, which are usually 20-50 and above...

If your partner cannot accept this then something is very wrong...
Cos this is the same as buying buns and leaving it on your table and eating it in the evening. 

Why many of the folks within the community don't do this is cos there is too much bread. If we talk to bakeries to get their buns, we need to commit to get the buns on a regular basis and getting 20-50 pieces PER DAY, is not easy to handle and pass to others. And it's not nice that we ask the bakeries for bread and they pass it to us, then we can't finish it and we dump it anyway, what would the bakeries feel? It's like they make special effort for this arrangement and you dump it anyway. 

So what the folks do is... well they collect the bread from the dumpster... so it starts to get a bit gross for some people...
As many of you all know, some of stalls in Singapore individually wrap their buns in plastic already for easy consumption. What the stall does is, they put all these buns into another plastic bag, tie it up and put it in the dumpster. 
The buns are clean in their individual wrappings when taken out of the dumpster, cos the only thing touching the dumpster is the big carrying plastic bag...

OK I admit most people start to be grossed out at this point... they can understand the logic behind it. They shouldn't be grossed out, but they are... I'll leave it at that. 

My wife is somewhat accepts both these logics. But I haven't brought bread back for the house cos we don't have a bakery nearby and I don't go out late at night. 
I've consumed such baked goods before cos they are regularly brought to gatherings by other members.

Next is expired products from the Food Bank.
Food Bank is an organization which distributes food to other organizations.
If the food is about to expire, they will sell it at Food Pantry at Geylang area for $1 per item. 
Once it passes the "best before date" they are unable to sell it and pass it on to the folks in the community. 
And they are in large quantities, in the thousands of bottles. All sealed, but past the best before date. 
The only problem is that it's pretty inconvenient to collect and you have to take a carton which is really too much for normal people to finish easily. 
I had 9 liters of fruit and vegetable juice, I have only finished 1.5 liters, and gave away 3 liters.
I still have 4.5 liters left. (4 sealed tetra packs.)

Similarly... different people have different feelings to best before date. 
My wife is ok with this.

Best before date is a marketing gimmick. It means that the company believes that this item is in it's BEST condition before this date. Meaning in terms of crispiness, etc etc. It doesn't mean it spoils AFTER the date. 
Food isn't so smart to check a calendar to determine the date to turn bad.

Here's an easy swallow YouTube about expiration dates. 

But similarly... if you or your partner isn't logical/rational, then... 

​Moving on.
There are also dedicated chat groups where people post about events which have left over food. 
Like in some schools, they regularly cater food for the people who attend the seminars and everyday, there is excess food. These chat groups try to highlight where there is excess food and post the location and time to go to eat a free buffet...
There is proper etiquette to do this. Of course there are bad eggs who don't follow the etiquette, in every group there are people who try to be funny.
So the rules are pretty much, go and wait for the participants to finish their food, ask the organizers for approval to consume the remaining buffet, the organizers own the food, not the caterers. With the approval, eat as per normal, some organizers even allow take away to help reduce food wastage. 

If you've ever attended an event late, and some of the food is already finished... well this is the same as that... so once again, if your partner can't accept this... then... likely there's very little which can be done to convince your partner. 

I personally haven't done this, cos it doesn't suit my timing. 
Like what I said previously, I use this mentality to integrate into my life, I only do things which are convenient for me. 

Next is picking up stuff from the void deck... not dumpster diving...
Ok Singapore is a safe country right, most people don't steal... So if your friend gives you a shelf and you aren't at home some people say leave it in the riser... Quite normal these days with all the deliveries of online merchandise. 
So let's say the riser isn't big enough. And you are 100% no one is going to steal the item... Your friend says, "Hey I just leave it on the floor in front of your door."
I don't think you have any issues with that?

What if your friend says, "Hey I can't find your unit... Since you are sure that no one will steal this, I'll just leave it beside the lift, you can pick it up on your way home."
I think you will be ok with that too?

How about if the friend says, "I can't find your block, I'll just leave it at the void deck of Block 111 instead. You pick it up later."
You should be ok with that... 

Err... ok??? So what's the problem with picking up stuff from the void deck...
So once again, if your partner can't accept this then... 

My wife is somewhat ok with this depending on what I bring back. 
Strictly no fabric stuff. Cos there's the possibility of sweat, piss, bed bugs, whatever.
I agree with this. I myself have concerns, so I don't take fabric stuff. 
There's a lot of other stuff I don't take as well. There's concern with termites and other issues... but I won't dwell on that. 
I basically have an agreement with my wife on what should/can be brought back. 

Dabao-ing excess food...
I previously used to just leave the fries and mashed potatoes which I can't finish at the restaurant. 
Now, if there's enough for a serving, I'll ask for take away. 
I use the mash potatoes and fries as a soup thickener, basically, it makes a watery soup thicker and tastes like cream of ABC soup instead... this is something like a potage.
No, I don't ask to dabao other peoples food, from other peoples tables... 

When I visit my parents on the weekends, they regularly cook excess food, I ask to take home some. Else it goes to my sis or the bin... so might as well take home some stuff for myself to cook for the rest of the week. 

I have been to a vegetable hunt as well where I got free vegetables from a vendor at a wholesale market. I didn't take much as I was not prepared as it was an impromptu decision to attend the event. 

Ever since I came back from overseas... Already close to a month... I have not bought any groceries. 
(Except for a small 250ml packet of milk.)

I don't want to talk about dumpster diving... cos if your partner can't get past the easy stuff, dumpster diving is definitely a strict no-no...

So let's put this down simply...
There's a difference between facts and beliefs...
Both have a chance to influence our thoughts and behaviour. I recognize that. 
To me, it's important to understand the difference. 
Like... I know that a cooked pigs brain is absolutely fine to consume. This is served in Malaysia and Taiwan and other countries. I have ordered this once in Malaysia. Logically, I know that eating it is fine, but psychologically, I couldn't get over it so I didn't eat it, whereas, my wife ate it without much issue. 
And that's all fine. 

I'm not saying that just cos it's logical, everyone needs to follow it. Different people accept different things. 
So if your partner is willing to listen to facts and is open to changing his/her mindset upon hearing the facts, then that's good and they might be open to new ways to save money, or be frugal. 
If your partner understands the facts but cannot get over the beliefs, then that is just an unfortunate situation. But at least admit that it is the beliefs that is holding him/her back. 

The worst situation is when the partner isn't willing to admit that it is a beliefs issue, and argues with illogical points to try to disprove facts. That is the worst situation cos that just leads to unnecessary arguments.
Usually in this case, the partner KNOWS that the facts are correct, but does not want to admit that he/she is illogical, so instead, they try to use flawed arguments to justify themselves for not taking the logical route.


Being illogical and following beliefs is absolutely fine... usually... 
Humans are created irrational and we have to accept that as part of us. 
I don't eat bugs, but I know bugs are part of certain cultures regular food source. That doesn't mean I say that they are gross. It's just something that I, personally, don't do. 

If this happens, then I think it might be better to just forget it. It's really not worth unnecessary arguments.

Cos to me... it's really about how to save more money in various other ways. 
If I can get a 20% discount... good, if I can get a 50% discount, even better...
If I can get it free... Woah best...
This goes in line with the frugality mindset. It's just looking for other ways to save money. 
Some people carry different credit cards for different promotions, some people cut coupons, some people collect NTUC/Cold Storage points to get Jamie Oliver knives cheaper, and some people go and get free vegetables from shops.
It's all part of saving money.
It's not always about opening dumpsters.
Rather it's a mindset... instead of asking... is there a discount on this item, the new way of thinking I use is now... is there a way I can get this for free in a form acceptable to me.
If not, then I still look for discounts. 

When I go out with my wife on weekends, I still continue to go to restaurants and spend as per normal. It's not that life has changed very much, but my mindset is now different. Cos now that I know that some stuff is available for free, I now question, what OTHER stuff can I get for free to save even more money. 


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Is Everything just Black and White?

19/12/2017

2 Comments

 
I was drawn to 
https://frugalinsingapore.com/is-anything-truly-free-freegans-freeganism-and-the-salvage-economy/

Cos she gave an interesting article on Freegans in Singapore, cos she previously dumpster dived in the US but now doesn't do so, and she posted some counter points against freegan-ism and why frugality is better.
I found the views very interesting actually.
And I do agree with her in multiple places, and certain points I find it a bit puzzling... 

I'll do a commentary to indicate my views. 

Is Anything Truly Free? Freegans, Freeganism and the Salvage Economy

​Written and found in https://frugalinsingapore.com

I’ve salvaged furniture from the dumpster, and have even saved some imperfect but still-edible produce. But as someone who tries to be frugal, I passed on freeganism because it conflicted with some of my values. To be clear, frugality (as defined by the Reddit community) is “the mental approach we each take when considering our resource allocations – time, money, convenience, and many other factors.” Freeganism, while its origins began with anti-consumerism and veganism, has steered into the direction of not spending at any cost and living on the discarded excess of society. It has recently garnered much media attention in Singapore. So why can freegan thinking lead to unhealthy behaviours?
(ERSG: I agree that freegan thinking CAN lead to unhealthy behaviours.)

What It Really Means to Be Freegan
(ERSG: Not interested in definitions, the same as what makes a minimalist, what it means to be retired, etc)
I’ve met a true freegan once. No, this wasn’t a dumpster diving uncle who had his meals sourced from the dumpster or delivered from social welfare organisations. This was a retired couple who lived in a paid-off self-built home (in the States), generated solar electricity, used well water, and grew or foraged everything they ate.

They were Adventist and they were vegans. And like bears, they noticeably gained weight during the harvest seasons and lost it during the winter. They truly lived off the land.   

But their lives were not easy. Although they had retired from their careers, they worked the land every day. Their participation in the conventional economy, as well as their carbon footprint, was minuscule.

There are actually a lot of people who are like this – subsistence farmers, tribal foragers, scavengers, and members of a collective or commune. They’re just not commonly seen in the first world. And in the third world, their lifestyle is not referred to as freeganism; it’s just survival.
 

What Freeganism Has Become in Singapore
I agree with some principles of freeganism, such as minimising consumption. However, many self-proclaimed freegans I’ve met in Singapore seem to have increased their consumerism since their conversion. They consume, not by buying, but by finding or receiving.
(ERSG: Personally, I don't care about minimizing consumption, I'm not here to save the Earth, I'm here to save my pocket.)

Their dumpster diving expeditions produce an almost drug-like high, no different than what conventional consumer shopping gives a shopaholic. They even describe it similarly. “When I find things, it makes me so happy. I can’t wait to take it home to admire it,” one freegan told me. If you replace the word “find” with “buy”, the thinking and behaviours are essentially the same. It’s just that one involves the exchange of money.
(ERSG: I agree, the dopamine is the same, the high that a dumpster diver feels when he gets something nice is similar to buying stuff... hmm actually, that's not true, I don't get high when I pay money. But you get the picture...)

In the Freegan in Singapore Facebook Group and WhatsApp chat group, every item found and offered is almost immediately “choped” and taken by other freegan members. If the intent was truly to reduce consumption (i.e, anti-consumerism), there should be a reluctance to possess the item, a desire to pass it on to those who truly need it, and an outcry to reduce its demand and production. Instead, “Gone in 60 Seconds” is an often used phrase in the chat group, indicating to others that the aforementioned item is no longer available. Another freegan member has snatched it.
(ERSG: Agree, this was the case about a week back, there are a few characters who were just grabbing anything and everything. Doesn't mean that everyone does this.)

Many of them say they are reducing harm to the environment, but as one blogger put it, “Just because one picks up something for free that has been discarded, and doesn’t directly give money to the corporation which produced it, doesn’t make the production of that item harmless. The lack of money changing hands hardly ‘divorces’ a consumer good from the harm.” 
(ERSG: Don't agree... errm... I wanted a printer, I found one... if I bought one I would have created more demand and the company creates another product. By reusing someone else's printer I have harmed the Earth less. The alternative would be NOT to own a printer, but to NOT own a printer is the same as using someone else's printer, cos the resources used to produce that item has already been spent.)

Freegans decry capitalism, but they are still benefiting from it. They say they don’t like waste, but rely on others to be wasteful to continue in their ways. Many of them operate under the guise of environmentalism, but when you talk to them, they mostly want to tell you about their sensational finds and how thrilling it was to get their first branded handbag. 
(ERSG: Yes, the freegans benefit from someone else's wastefulness, but they don't encourage him to be wasteful, if he's going to waste or over consume anyway, then might as well I benefit from it. Not to mention by reusing someone else's item, it reduces production of more material stuff.

Yes some people like to talk about their sensational finds.)


Some of the more enlightened freegans do scavenge and dumpster dive for the purpose of redistributing the goods to those in need. Or they do it to raise awareness about the wastage in Singapore. These types of freegans I commend, and they could serve as role models to other freegans. But not every freegan reaches this state. Most freegans I meet merely substitute price-constrained consumerism with a free unfettered hyper-consumerism, and mistakenly believe they have already reached a state of enlightenment.
(ERSG: Most freegans don't hyper-consume. Most freegans are people who just work and are normal people who reduce expenses by getting some stuff free.
The extreme ends, which are very few, are... those who spend less than $100 per month, they actually live very simple lives.
And the hoarders... I don't deny that hoarding problems will exist. But they are few. None that I know of yet within this community.)


Some freegans believe strongly in gatecrashing weddings and private events to rescue and help themselves to buffet food. Some of them will insist on leftovers from a cafe to be given to them free at the end of the day. Others will ask their neighbours for uneaten food but not bother to investigate the reason behind the waste, such as a medical condition or a welfare organisation delivering food that is unwanted.
(ERSG: I don't know of any freegans who gatecrash weddings or private events in Singapore. There is a group which goes around eating leftover buffet from events in Singapore, but this is after getting approval from the organizers.
What's wrong with asking for leftover food? It's going to be thrown away anyway... I don't ask for leftover food, but... it's one of those things... you eat it, I eat it, someone else eats it, or it's going into the dumpster anyway. Why the need to investigate anything? Unless the food is unhygienic.)


In the chat group, some freegans jokingly proclaim that spending money “is a crime”. And when someone confesses his crime for the day (that he spent money on something), others chime in to jokingly rebuke him.
(ERSG: Key word, Jokingly... the people in the chat group know that each other are normal people who spend money and just use this freegan mentality to reduce costs, and a side effect is that it actually helps reduce waste as well.
Most of the people are normal people who try to be frugal by trying to get more of their stuff for free.
But the community reminds them that they should think about HOW to get stuff for free instead of just mindlessly spending money.)


Many of them also don’t realise that there was a salvage economy long before they entered the scene. And their dumpster diving activities may have displaced some karung gunis or those living in poverty, who rely on disposed goods for survival. They, unlike these freegans, can’t just opt out of the lifestyle when they feel like it.
(ERSG: If you see the amount of junk, there's enough for everyone. There are 2000 people in the Facebook group, not everyone dumpster dives, in the dumpster diving chat group there are 200 people...
200 people who pull a small trolley to pick up some junk on their free days isn't going to displace businesses. As for the poor, there is junk to supply the poor with their resources as well.
Many freegans also volunteer at charitable organizations cos they realize that using free stuff or excess stuff, they can help the less fortunate. This does not mean ONLY dumpster diving.)


I’ve previously spoken with representatives from waste management (Veolia) and e-waste recycling (TES). They’ve told me about their current waste processing methods and future plans for reclaiming materials, such as food waste, metals, lithium ion batteries, and construction debris. As a former chemical engineer, I’ve personally seen the process of reclaiming materials, processing waste though bioreactors, and generating fuel through biomass. 

In San Francisco and Davis (both places I’ve lived in), composting and biofuel generation is big business. And freely taking their raw materials (that is, food or other materials from dumpsters) can be akin to stealing. 
(ERSG: I do not disagree.)

There’s a reason why each dumpster is provided by a waste disposal company and stamped with a company name. And often, there are locks on these dumpster. The waste company technically owns not just the container, but its contents. And they are in the business (and better suited than individual freegans) of processing those contents.  
(ERSG: A printer is supposed to be a printer. If I can give it a second life as a printer, I think I am doing the justice to the printer. A waste company will destroy the printer and reduce the printer to raw materials and further process it to make stuff or as landfill material.
I know of no freegans in the community who will "process" the contents the same way as a recycling company would. They usually pick it up and just reuse it as what it was intended to be used as.)

 

How Frugality is Better
(ERSG: Why must everything be Black and White... Yes or No? Better or Worse?)

1. Having a frugal mindset will result in an overall reduction of consumption. The desire to buy (or consume) is lessened, and with lower demand comes lower supply. In the 3 R’s of sustainability, though “Reduce” comes before “Reuse” and “Recycle”, it often gets the least attention. While freegans reduce their own buying, many of them desire for those at the top to continue their wild spending so that they can eventually receive any excess for free. 
(ERSG: Most of the freegans DON'T desire the top will continue their wild spending. They recognize that normal people will naturally be wasteful. And so they just feed off the excess.
Most normal people do not REDUCE. So freegans are thus able to REUSE and RECYLE. It is not the other way around.)


2. Remember that dumpster diving still is considered trespassing if you’re not given explicit permission. And trespassing on one’s property or in a dumpster, which is the waste company’s property, is illegal. There’s also a specific regulation regarding dumpster diving in Section 10 of the Environmental Public Health (Public Cleansing) Regulations.
(ERSG: I do not disagree.)

3. Let’s also not forget to mention the possible health and safety issues. Dumpster diving for food can lead to food poisoning, hepatitis A, and foodborne botulism, among other things. And dumpster diving for items might bring bed bugs or lice into your home.
(ERSG: I do not disagree, there are potential health issues.
Most freegans know this risk, and thus they take special care to learn more about such issues or medical conditions so that they can do their hobby safely.
I have gotten food poisoning eating at restaurants as well. If you sit on a movie seat, a bed bug can get on your clothes and also make it into your home as well.)


4. Another downside to dumpster diving is a tendency to hoard. A Singaporean freegan once told me, “Just think that everything you’ve ever wanted but could not buy [or afford to buy], you can now have for free. How could you resist?” No, thank you. I can resist. For me, frugality and a frugal mindset curbs my desire. It makes me aware of the tradeoffs of ownership. And I ask myself, “Do I really need this? Could someone else have a better use for it? What are the downsides to owning this?”
(ERSG: I do not disagree that there might be a tendency to hoard for some people.
But it's not true that just cos it's free, I don't think about "Do I really need this? Could someone else have a better use for it? What are the downsides to owning this?"
The cost to me is the cluttering of my house. And I still consider that cost before I bring things home.
I do not need a frugal mindset to curb my desire, I just use some discipline and common sense.)


5. One of the worst consequences that can result from freeganism is the devaluing of items. I know, this sounds a bit ironic. But just think about it. When you have to pay for an item, you might value it more and treat it with more care. When you feel that there are plenty more of something around every corner, you might see that item as disposable or easily replaceable. After all, you spent no money obtaining it, and can just as easily find another. “If it turns out that I don’t like it, or it does not fit, or I find a better one, I’ll just throw this one back into the trash,” said one freegan.
(ERSG: I do not disagree on this. I don't value stuff as much anymore.
But I don't see what's wrong with that... 
It has made me realize that everything is transient and I don't need much material stuff.
I never had a printer, then I found one, so I use it, if it spoils, I dump it and find another...
The printer was already destined to be destroyed. I saved it for a short while, and then when it really couldn't work anymore I returned it to where I found it. Doesn't mean I intentionally spoil it just for the sake of it.
Then I find another...

Everything is already meant to be destroyed. By picking it up you are giving it a second life!!! By throwing it away again, doesn't add to the waste, it just delays it and allows someone else to gain more utility from the item.)

 

Some Concluding Thoughts
Yes, we are a wasteful society. We buy things we don’t need, then discard them after we find something else better or newer to consume. And worst of all, we are messing up our environment as a result. This needs to change.
(ERSG: I agree this needs to change.)

Ideally, we should aim to be less wasteful rather than rely on other methods for salvaging our waste – whether it be through freegans, karung gunis, other scavengers, or technology. Reducing consumption at the source can make a much greater impact than trying to recover a discarded item. As the saying goes, don’t get too busy with mopping the floor; turn the faucet off first.
(ERSG: The faucet is Governments, politicians and policies. The over emphasis on GDP, etc etc... the Governments all know that this is not right, but when it hurts the GDP, it's hard to put into policy. So they focus on other things which can be done and accepted by the population. If you talk to politicians or people who are in that industry, you will know. They know what is wrong, but if they try to fix it, then they lose their votes, and then they become powerless to do any other thing cos they are no longer in power. Doesn't mean the next person who takes over will do any better.

In the meanwhile, mopping the floor sounds like a fair enough alternative.)


In the States, in-kind (non-cash) donations of used goods are given a small tax deduction, which encourages people to pass on their items instead of discarding them. This is in part why just about every town in the States, no matter how small, has thrift shops. This policy helps to extend a product’s life cycle, effectively matching the needs of a person to the best use of a particular item. Perhaps we could adopt a policy that incentivises people to donate their items to charity rather than tossing them in the dumpster. For a list of places that accept donations, please click here.

Lastly, I want to conclude by saying that nothing is truly free. Let me repeat that. Nothing is free.
(ERSG: I agree, nothing is truly free.)

Although you’ll see that word a lot on this site, I actually dislike the word “free”, and only resort to using it because of convention.

I do, however, like the word “complimentary”. Always remember that everything you find, receive, or obtain even without money has been paid for by someone else. Someone had to mine, grow, procure, harvest, assemble, produce, transport, package, and display it before it ever got to you. And when it reaches you, it comes “with compliments”. There is really nothing in this world that doesn’t have a cost – whether it be raw materials, energy, money, or your health, integrity, and time.
(ERSG: I don't really agree with this point.
I agree that nothing is truly free. Someone has already paid for it and he has discarded it. In essence that is the end of the life of the product, cos it would have been destroyed.
And everyone along the production chain has been rewarded for the production and sale of the item. So it has all been paid for. But by someone else, and to him, he has utilized the product sufficiently so now he decides to throw it away. So he already has paid the money and obtained what he feels is sufficient economic benefit from the product. The story is supposed to end here.

Here comes the freegan dumpster diver, note not all freegans are dumpster divers, not all dumpster divers are freegans. So here comes the dumpster diver... he pays with his pride and sweat and gets dirty he rummages through the rubbish to give stuff a second life. What's so wrong with that?)

I'm not saying this is poorly written. It made me think. And anything that makes me think is worthy. Cos it makes me think of what is right, what is wrong, is there a point or not? 

But what really got to me was that the writer made the comment "How Frugality is better". 
Why can't they both co-exist? Why must one die so that the other can thrive? 

I've always been saying keep the best, dump the rest. 
Learn new ideas, try to make it work for you. For stuff that you can get for free... Why not? 
How can reusing something already meant to be destroyed be worse than buying it?
Like I said earlier... 
1. I don't own the product.
2. I find the product and use it second hand. Else the item would be destined to be destroyed.
3. I buy the product.
4. I forgot, I can also borrow the product...

Options 1, 2, 4 are similar. There is essentially no new resources put to make a new item.
So I find it puzzling to see what so wrong with option 2?
Cos option 2 is very close to option 3, but it's free and it reduces waste. 

Now, I'm not someone too concerned about the environment. Cos I believe it's a Government and policy issue and unless that is fixed small movements by individual small groups aren't going to do much. 
But the side effect of my side hobby now is actually helping this cause. So what so bad about that? 

The other issues pointed out by the writer are personal discipline issues. And every activity has issues. One could overspend, but if someone is disciplined, they can control their spending, one can overeat and get fat, others are better able to control their intake, etc etc... 

How can spending money be more frugal than free???

So I don't think in terms of just black and white, what's right or wrong, I think... how best can I use this idea to help me. 
It's not about just rejecting things outright. That's what we call throwing the baby out with the bath water.
For a frugal person, getting things free is better than paying for it. If you deny this something is very wrong with your definition.
People can be a minimalist AND a freegan. Just don't collect stuff. Own only 1 dining table. If the dining table is spoilt, then go out and find a free one.

Being tempted by MORE STUFF is not the problem of the idea. It's the problem with the PERSON.  
Hoarding is a problem of the individual, not a problem with the idea. 

So yea... seriously, I find it quite puzzling, why people would want to straight out draw distinct lines when there are so many other benefits which can be obtained by combining multiple ideas together. 

This is what we usually call... SYNERGY...

​I would like to end with this paragraph and maybe some of you might understand better...
​
The idea is that buying these stocks is like finding a mostly smoked, discarded cigar. "Though the stub might be ugly and soggy, the puff would be free," Buffett explained in his letter to Berkshire Hathaway shareholders last year. "Once that momentary pleasure was enjoyed, however, no more could be expected."


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    Mindset changes
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    How I make use of my wife

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    Male, born in 1982. 
    INTP
    Graduated with a degree majoring in Banking & Finance, Financial Adviser for a period of time resulting in in-depth knowledge of insurance products and marketing techniques of the industry.

    Inspired by MMM and ERE.

    Decided to embark on a mission to retire early in Singapore, a place where such an idea is considered impossible. As I believe that life has a lot more to offer instead of just a working career. I've decided to start a blog to note down my journey to achieve this mission and help others along the way who are willing to listen and try doing things differently from everyone else.

    I have decided to remain anonymous until I finally am able to actually retire, reason being that this idea might not gel well with the company which I am working for currently and also to avoid real life flaming from people who say that such ideas are impossible and that an individual is lazy for choosing early retirement instead of contributing to society in the form of labour.

    More about me.
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