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	<title>dudesndivorce.com &#187; income</title>
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		<title>Divorced Dudes in Uncertain Times: Thinking &#8220;Outside the Wallet&#8221;</title>
		<link>http://dudesndivorce.com/2009/10/20/divorced-dudes-in-uncertain-times-thinking-outside-the-wallet/</link>
		<comments>http://dudesndivorce.com/2009/10/20/divorced-dudes-in-uncertain-times-thinking-outside-the-wallet/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 04:22:49 +0000</pubDate>
		<dc:creator>Bill</dc:creator>
				<category><![CDATA[Bill]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[divorced men]]></category>
		<category><![CDATA[household]]></category>
		<category><![CDATA[income]]></category>
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		<guid isPermaLink="false">http://dudesndivorce.com/?p=1010</guid>
		<description><![CDATA[Hey Dudes!  Been a while since I posted one of these so I thought I&#8217;d put this one together.   With all the tough news on the economy out there I&#8217;ve been trying to get creative on ways to save a buck or two here or there.  It&#8217;s made me think back to some of the [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: 9pt; color: black; font-family: Verdana;">Hey Dudes!  Been a while since I posted one of these so I thought I&#8217;d put this one together.   With all the tough news on the economy out there I&#8217;ve been trying to get creative on ways to save a buck or two here or there.  It&#8217;s made me think back to some of the stuff my dad used to try in his endless quest to pinch every penny at least twice.  Not that we were poor when I was growing up (although we certainly weren&#8217;t &#8220;wealthy&#8221; either!) but my dad had grown up during the tail end of the Great Depression and I guess that some of those habits of thinking were indelibly printed onto his personality.   Times are a lot different now than they were back then when my dad was a boy and even since I was young!  I think that we&#8217;ve lost touch with some of those old ways of thinking about stretching our dollars and our resources.  So, that being said, I thought I might share some of  Dad&#8217;s money saving schemes<span class="mceitemhidden"> as an </span><span class="mceitemhiddenspellword1">exerc</span>ise in creative thinking; I don&#8217;t expect that many of you will actually try these yourself (although they DO save you money if you do!).  The point here is to get us thinking &#8220;outside the box&#8221; (or the wallet if you will).  Some of them are a little funny as well so one way or the other I hope you get some enjoyment out of this post.</span></p>
<p><span class="mceitemhidden"><span style="font-size: 9pt; color: black; font-family: Verdana;">1 &#8211; Cream of Broccoli Stump Soup:  The fresh Broccoli that you buy at the store tastes a lot better than the frozen stuff and is much more </span></span><span class="mceitemhiddenspellword1"><span style="font-size: 9pt; color: black; font-family: Verdana;">nutritious</span></span><span class="mceitemhidden"><span style="font-size: 9pt; color: black; font-family: Verdana;"> to!  But about half of what you buy normally just gets thrown away!  The &#8220;stump&#8221; of the broccoli isn&#8217;t something we normally think of eating yet it&#8217;s something we pay for.  Dad got tired of the wasted money and figured out how to make a pretty decent cream soup with these.  I don&#8217;t recall the recipe but I know he peeled the stumps and then diced the rest up small and boiled it a while to get it tender.  Makes me think about what other &#8220;wasted&#8221; food we might lo</span></span><span class="mceitemhiddenspellword1"><span style="font-size: 9pt; color: black; font-family: Verdana;">ok</span></span><span class="mceitemhidden"><span style="font-size: 9pt; color: black; font-family: Verdana;"> at twice (and NO I don&#8217;t recommend Bologna skin soup! ~:?)</span></span></p>
<p><span style="font-size: 9pt; color: black; font-family: Verdana;">2 &#8211; Turning the hot water heater off at night . . . I guess there is some debate about how much you save since the heater has to heat up the water again in the morning; but the point here is to think about all of those automatic expenditures of energy and money that we just take for granted.  For instance . . . do we really always HAVE to use the microwave to defrost stuff?  How did they do that before microwaves?  Doesn&#8217;t seem like much but over the course of a few months it probably adds up more than we realize.  What about the dryer?  A clothes drying rack costs about 10 dollars new and works just great on socks, underwear and washcloths . . . if you can save running the dryer two or three times a week that&#8217;s all money saved.</span></p>
<p><span class="mceitemhidden"><span style="font-size: 9pt; color: black; font-family: Verdana;">3 &#8211; S.O.S. (i.e. &#8220;Stuff&#8221; On a Shingle)  for the uninitiated this is hamburger in a white gravy served over toast; real popular back in the day when hamburger was dirt cheap.  It&#8217;s actually pretty good if not exactly healthy (</span></span><span class="mceitemhiddenspellword1"><span style="font-size: 9pt; color: black; font-family: Verdana;">ok</span></span><span class="mceitemhidden"><span style="font-size: 9pt; color: black; font-family: Verdana;"> &#8220;not exactly healthy&#8221; is a misnomer . . . stuff is a heart attack on a plate!).  You don&#8217;t see it much anymore due in large part to the greater health awareness these days and also because it&#8217;s </span></span><span class="mceitemhiddenspellword1"><span style="font-size: 9pt; color: black; font-family: Verdana;">definitely</span></span><span class="mceitemhidden"><span style="font-size: 9pt; color: black; font-family: Verdana;"> not gourmet fare.  But the heart of the matter here is not so much S.O.S. its self but the idea of creating simple, solid, meals from cheap ingredients.  A box of Mac-n-cheese and a half pound of hamburger makes a pretty good meal &#8211; maybe even two!</span></span></p>
<p><span style="font-size: 9pt; color: black; font-family: Verdana;">4 &#8211; Letting &#8220;her&#8221; coast in &#8211; I recall dad putting the car in neutral when going down a long hill or even turning it off when waiting in traffic. . . and that was back when gas was at the unheard of price  of 40 cents a gallon!  Living in a hilly portion of the country I have to admit that I&#8217;ve been known to do the same.  The savings might not be much but over the course of a month I probably save a gallon or two of gas that way and with gas costing 2.50 a gallon that ads up!  Again this underscores a situation awareness of what things are costing you and how you can limit those expenditures.</span></p>
<p><span style="font-size: 9pt; color: black; font-family: Verdana;">5 &#8211; &#8220;This Place is Lit Up Like a Cathedral at Christmas!&#8221;  Something <strong><em><span style="font-family: Verdana;">similar</span></em></strong> to what my dad would say whenever he walked into a vacant room with the light on.  It really underscores the whole attitude here.  My dad was CONSTANTLY aware of every watt of energy burned, every wasted morsel of food and every lost ounce of gas; it was a state of constant awareness that we&#8217;ve gotten away from as a society.  </span></p>
<p><span style="font-size: 9pt; color: black; font-family: Verdana;">As divorced &#8220;dudes&#8221; many of us are in a pretty vulnerable position as the economy sours and now might just be a great time to learn or re-learn that same state of awareness.  It&#8217;s not really about eating broccoli stumps or turning off the water heater &#8211; it&#8217;s about being AWARE that we are spending money in those small, seemingly unimportant ways.  Hopefully these anecdotes from my childhood have helped spur your thinking along those same lines.</span></p>
<p><span style="font-size: 9pt; color: black; font-family: Verdana;">Be Well!</span></p>
<p><span style="font-size: 9pt; color: black; font-family: Verdana;">Bill</span></p>
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		<title>Divorced Dudes in Uncertain Times:  Three Ways to Save on Entertainment</title>
		<link>http://dudesndivorce.com/2009/07/25/divorced-dudes-in-uncertain-times-three-ways-to-save-on-entertainment/</link>
		<comments>http://dudesndivorce.com/2009/07/25/divorced-dudes-in-uncertain-times-three-ways-to-save-on-entertainment/#comments</comments>
		<pubDate>Sat, 25 Jul 2009 17:09:21 +0000</pubDate>
		<dc:creator>Bill</dc:creator>
				<category><![CDATA[Bill]]></category>
		<category><![CDATA[Just Chillin']]></category>
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		<guid isPermaLink="false">http://dudesndivorce.com/?p=856</guid>
		<description><![CDATA[We are all looking for ways to save a little money these days with the economy getting tight and even bigger changes on the horizon (I heard an “expert” the other day say that if Cap &#38; Trade passes the senate that our electric bills could go up 40 – 60% . . . take [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">We are all looking for ways to save a little money these days with the economy getting tight and even bigger changes on the horizon (I heard an “expert” the other day say that if Cap &amp; Trade passes the senate that our electric bills could go up 40 – 60% . . . take it for whatever it’s worth).<span style="mso-spacerun: yes;">  </span>So in this feature we try to present money saving tips under the theory that a little here and a little there eventually adds up to a significant improvement in cash flow.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Entertainment is important – not as much as food and shelter but if you don’t budget for it you’ll eventually blow that budget on movies, trips or concerts . . . we all need a little R&amp;R in out lives.<span style="mso-spacerun: yes;">  </span>Having said that I believe there are some ways to really cut back on the COST without cutting back on the FUN or relaxation; here’s three examples of what I mean:</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Get Rid Of The Dish!<span style="mso-spacerun: yes;">  </span>Yeah, yeah, yeah – I know ; life will be meaningless without the Cartoon Network or the latest episode of Deadliest Catch . . .or so it seems.<span style="mso-spacerun: yes;">  </span>But just look at the bill.<span style="mso-spacerun: yes;">  </span>Varies from area to area but most of you are putting out around $30 a month just for the “basic” package.<span style="mso-spacerun: yes;">  </span>That adds up over time!<span style="mso-spacerun: yes;">   </span>I don’t have either cable or dish and instead use a digital antenna and a DVD/VHS player.<span style="mso-spacerun: yes;">  </span>I live about 40 miles as the crow flies from the nearest station and get pretty good reception of about four local channels – enough for news, weather and a few programs.<span style="mso-spacerun: yes;">  </span>If nothing is playing I pop in a movie.<span style="mso-spacerun: yes;">  </span>The $5 dollar bin at Wal-Mart is my friend and I keep an eye peeled at garage sales for good condition movies as well.<span style="mso-spacerun: yes;">  </span>I don’t rent movies because I try to avoid situations where I give someone money and don’t end up with any lasting value from the deal.<span style="mso-spacerun: yes;">  </span>for<span style="mso-spacerun: yes;">  </span>less than 10 dollars I can buy a movie and watch it whenever I like for years to come.<span style="mso-spacerun: yes;">  </span>I figure I come out way ahead financially with this strategy.<span style="mso-spacerun: yes;">  </span>And remember – just because you have access to 749 channels doesn’t mean anything good will be on!</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small;"><span style="font-family: Times New Roman;">Reading!<span style="mso-spacerun: yes;">  </span>. . . reading?<span style="mso-spacerun: yes;">  </span>really?<span style="mso-spacerun: yes;">  </span>I can hear people saying that to themselves as they read this.<span style="mso-spacerun: yes;">  </span>But yes, I am a big proponent of reading for entertainment.<span style="mso-spacerun: yes;">  </span>I feel it is even more relaxing than T.V. and you actually exercise the mind rather than numb it.<span style="mso-spacerun: yes;">  </span>And VERY cheap!<span style="mso-spacerun: yes;">  </span>A library card gives you access to thousands of books and most towns have a good used bookstore where you can find books for a buck or less. <span style="mso-spacerun: yes;"> </span>And don’t neglect garage sales!<span style="mso-spacerun: yes;">  </span>I have a whole library of books I bought out of a box in someone’s yard for 50 cents. When I was working on my undergrad degree I always set aside a few days after finals each semester and buried myself in the latest Tom Clancy.<span style="mso-spacerun: yes;">  </span>Good, fun, entertaining fiction and since I bought them at a local used bookstore for $1.50 each they were also very cheap! <span style="mso-spacerun: yes;"> </span>But reading isn’t just about fun fiction – no matter where your interests lay you can find books on the subject.<span style="mso-spacerun: yes;">  </span>For instance – I have a passion for WWII history; a few years back I set out to build a library of biographies and first person accounts by people who actually took part in those events.<span style="mso-spacerun: yes;">  </span>I now have a couple dozen such books that I’ve picked up in used bookstores and Amazon – all for less than $10 and most for under $5.<span style="mso-spacerun: yes;">  </span>Lot’s of time spent learning about the events surrounding WWII from original sources, lots of relaxation and all for very little money.</span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Community Events:<span style="mso-spacerun: yes;">  </span>A while back I was visiting Russ and they had a Greek Festival in his town.<span style="mso-spacerun: yes;">  </span>I don’t believe it cost much to attend and it was GREAT!!<span style="mso-spacerun: yes;">  </span>Great food, great music and great fun watching the dancing and such!<span style="mso-spacerun: yes;">  </span>My point is that nearly every community has some sort of event going on at one time or another throughout the year.<span style="mso-spacerun: yes;">  </span>Fairs, Rodeos, Circuses, Festivals, free concerts in the park . . . list is endless.<span style="mso-spacerun: yes;">  </span>Shoot even a Home Builders show or car show can be fun!<span style="mso-spacerun: yes;">  </span>Most of these events are either free to the public or have an admission price less than a movie.<span style="mso-spacerun: yes;">  </span>Furthermore the admission price is usually going to a worthy, local cause or group so you can feel good about the fact that what little money you ARE spending is going for something worth while and local and not towards the hot tub in the back of some movie mogul’s limo. <span style="mso-spacerun: yes;"> </span>These events also give you a chance to learn about local ethnic groups or interact with local hobbyist with whom you may share an interest.<span style="mso-spacerun: yes;">  </span>All in all it’s money very well spent.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">So there you have three ways to save on entertainment that gives you either lasting value or education.<span style="mso-spacerun: yes;">  </span>All three are either saving you money directly or indirectly and all three provide some high quality R&amp;R with very minimal cash outlay.<span style="mso-spacerun: yes;">  </span>Hope this inspires some brainstorming and if anyone has additional money savers in this area please leave a comment or write to us at </span><a href="mailto:dudesndivorce@dudesndivorce.com"><span style="font-size: small; font-family: Times New Roman;">dudesndivorce@dudesndivorce.com</span></a></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Thanks much and Be Well!</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></p>
<p><span style="font-size: 12pt; font-family: &quot;Times New Roman&quot;; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">Bill </span></p>
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		<title>Divorced Dudes in Uncertain Times:  Intro</title>
		<link>http://dudesndivorce.com/2009/07/02/divorced-dudes-in-uncertain-times-intro/</link>
		<comments>http://dudesndivorce.com/2009/07/02/divorced-dudes-in-uncertain-times-intro/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 07:00:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bill]]></category>
		<category><![CDATA[Post Divorce, the Recovery Phase]]></category>
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		<guid isPermaLink="false">http://dudesndivorce.com/?p=818</guid>
		<description><![CDATA[I’ve been doing some thinking guys (never a safe thing) and given the uncertain economic times we find ourselves in and understanding that divorced men are especially vulnerable to such circumstances it seems like it might be a good time to introduce a new regular feature on our blog.  Basically what I’ve in mind is [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">I’ve been doing some thinking guys (never a safe thing) and given the uncertain economic times we find ourselves in and understanding that divorced men are especially vulnerable to such circumstances it seems like it might be a good time to introduce a new regular feature on our blog.<span style="mso-spacerun: yes;">  </span>Basically what I’ve in mind is an on-going series of posts that give “survival tips” about how to get by on less.<span style="mso-spacerun: yes;">  </span>The topics will vary across a broad range of subject matter from clipping coupons to putting in a small garden, from how to cut down on utility bills to ways to generate a bit of side income.<span style="mso-spacerun: yes;">  </span>The individual posts will focus on individual topics instead of presenting a list of ideas; this way we will be able to share more details on the practical application side.<span style="mso-spacerun: yes;">  </span>Some of the ideas may seem small or minimal money savers but the idea is that small savings add up quick.<span style="mso-spacerun: yes;">  </span>Save a couple dollars a day and over the course of a year you have a nice Christmas for your kids or a nice added payment against the principle of your house or car loan.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">We’ll also be encouraging each of you to share practical, money saving, advice as well. <span style="mso-spacerun: yes;"> </span>Nearly everyone has a trick or two up their sleeve for saving a buck here or there. <span style="mso-spacerun: yes;"> </span>Just respond in the comments section with your tip or idea so that everyone else can benefit.<span style="mso-spacerun: yes;">  </span>If you send in an especially good, original idea we may even contact you and ask you to elaborate a bit by doing a guest post for us.<span style="mso-spacerun: yes;">  </span>The idea here men is to help each other out a bit as we face these tough times.<span style="mso-spacerun: yes;">  </span>Even those of us who have been doing the post-divorce thing for a while appreciate the occasional tip in this area and I know there are a lot of men still very new to it or who are really struggling due to a lack of employment and/or large child support and alimony judgments.<span style="mso-spacerun: yes;">  </span>For them every dime they can squeeze out of their income is of huge importance! If you’d like you can leave the comment directly or you can send us an e-mail at </span><a href="mailto:divorced-dudes@dudesndivorce.com"><span style="font-size: small; font-family: Times New Roman;">divorced-dudes@dudesndivorce.com</span></a><span style="mso-spacerun: yes;"><span style="font-size: small; font-family: Times New Roman;">  </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Finally; we’ll work on getting one of these up about every week although we’re going to focus more on quality than on quantity so we may have two on some weeks and none on others.<span style="mso-spacerun: yes;">  </span>A lot of that will depend on the amount of input we get from our readers.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">I’m excited about this idea and I really believe it has the potential to help all of us make it through these tough economic times in much better shape.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Be well!</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: small; font-family: Times New Roman;">Bill</span></p>
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		<title>Divorced &#8220;Dudes&#8221; Myth Number IV</title>
		<link>http://dudesndivorce.com/2009/05/07/divorced-dudes-myth-number-iv/</link>
		<comments>http://dudesndivorce.com/2009/05/07/divorced-dudes-myth-number-iv/#comments</comments>
		<pubDate>Thu, 07 May 2009 07:00:57 +0000</pubDate>
		<dc:creator>Bill</dc:creator>
				<category><![CDATA[Bill]]></category>
		<category><![CDATA[Just Thinking about Divorce]]></category>
		<category><![CDATA[Post Divorce, the Recovery Phase]]></category>
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		<guid isPermaLink="false">http://dudesndivorce.com/?p=605</guid>
		<description><![CDATA[The final myth that I&#8217;d like to bring up is a bit different that the others thus far in the series.  It&#8217;s really not so much something that divorced men believe about other divorced men but what UN-divorced men believe about life after divorce.
I think if you talk to a hundred men contemplating divorce that [...]]]></description>
			<content:encoded><![CDATA[<p>The final myth that I&#8217;d like to bring up is a bit different that the others thus far in the series.  It&#8217;s really not so much something that divorced men believe about other divorced men but what UN-divorced men believe about life after divorce.</p>
<p>I think if you talk to a hundred men contemplating divorce that a pretty large percentage of them will express in one way of another than the life of a divorced man is somehow superior to that of an un-happily married man.  They see freedom, independence and a life style full of choices that they wish they had for themselves.  Many believe that divorced guys have more disposable income and that, certainly, their sex lives are far more interesting and adventuresome!</p>
<p>Well . . . hate to break it to you men but . . . turns out it just ain&#8217;t so.  Sure you have freedom from the responsibilities and obligations of your marriage . . . but really how much is that?  You still have to work, pay bills, shop and generally take care of the business of life.  It&#8217;s true that you can decide to do things you hadn&#8217;t been able to do before (go to school, travel some, etc . . ..) but it&#8217;s not the life of Reilly.  As far as having more spending money . . . oh I  don&#8217;t think so!  Many men are truly shocked at the hit they take financially (want an eye opener?  read &#8220;<span>Hit Him Where It Hurts: The Take-No-Prisoners Guide to Divorce&#8211;Alimony, Custody, Child Support, and More&#8221; by Sherri Donovan.) It&#8217;s a book that I feel every guy thinking about a divorce should read before-hand.  To be honest many if not most divorced men have a SMALLER disposable income than they did before the divorce.  Think about that.</span></p>
<p><span>And finally regarding the sex . . . I really hate to ruin all those great fantasies but most divorced guys are just not having sex every night with some hot young co-ed.  In fact I&#8217;d say it&#8217;s safe to hazard that most divorced men are having sex LESS often than they were in their marriage!  Now what&#8217;s the fun in THAT observation?!  </span></p>
<p><span>So, if you are still just in the contemplation stage on divorce be aware that some of the myths about life as a divorced &#8220;dude&#8221; are just that &#8211; myths.  The reality isn&#8217;t nearly as much fun.</span></p>
<p><span>Hope this series was of some help or at least interesting to think about.</span></p>
<p><span>Until next time . . . Be Well!</span></p>
<p><span>Bill</span></p>
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