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We live in an era of cheap, disposable goods. My closet full of clothing, much of it rarely worn, even though I sort through my wardrobe about once a year to eliminate items I no longer need, is a good indicator of this situation. For a good period when I was a kid, I wore hand-me-down clothes — as the eldest child, I received clothing from a family friend — and when an item became damaged, my mother fixed it with her sewing machine.

Prices for clothes have certainly increased over the last few decades, but clothing is not expected to last. When a piece of clothing becomes damaged, it’s easier and cheap enough to replace.

Broken ToasterBroken kitchen appliances, lamps, and other household devices past their warranty periods can’t be fixed with a sewing machine. Many would need specialized care by a professional, and with today’s disposable consumer culture, many people just opt for replacement rather than finding a repair shop and paying nearly as much money as they would to buy a new item.

Additionally, retailers and manufacturers have embraced the concept of planned obsolescence. To keep manufacturing costs low and to maximize profits, there is little concern for making products that last as long as their owners. This is a primary feature of high technology — a house phone sold fifty years ago may still function properly today, but a cell phone purchased five years ago not only doesn’t keep up with the latest technology, but it likely doesn’t work at all. Furniture built in the eighteenth century was made to last in a family for generations; IKEA furniture might last a few years under regular stress of use.

In Amsterdam, there is a small movement in opposition to this disposable consumer culture. The community has come together to repair its members’ broken items. Volunteers bring their tools and sewing machines to an open building several times a month and offer to fix any broken item brought to the gathering. This Repair Café helps reduce waste by encouraging reuse of broken items, and makes fixing an affordable alternative to replacement.

The government in the Netherlands, private groups, and individual donors have helped the Repair Café Foundation raise $525,000 over the past few years, and these funds have helped the organization create these gatherings at various locations across the country. These Repair Cafés provide a chance for consumers to make better use of their goods and for volunteers, particularly those with repair skills that might no longer be in demand, use those skills for a good cause.

Would Repair Cafés; be welcome in the United States? It’s not exactly a profitable business venture, and as such, is unlikely to draw much attention. The model, however, could easily be recreated, perhaps in low socioeconomic neighborhoods, to provide a money-saving alternative for spending money to replace slightly damaged items. Strong marketing encouraging consumers to exist in a cycle of buying and replacing comes at a price to retailers and manufacturers. If these expenses were redirected towards making better, durable products without planned obsolescence, consumers might lose the desire to constantly have new items, and would be able to hold onto the same products for a longer period of time. There would be less waste. Companies and their shareholders would find they have more loyal, life-long customers. Customers would shop with a focus on the differentiation in quality rather than with their tunnel-vision focused solely on price. Companies that build their products to last would succeed while those focused on the short-term would fail.

Could Repair Cafés be an answer to the consumer culture of disposable products? Would the availability of free repairs in the United States change the way consumers buy goods, and thus force companies to build products that are made to last rather than go obsolete? Is the trend towards disposability reversible at all?

Photo: phozographer
New York Times

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This is a guest article by Jennifer Calonia, Junior Editor at GoBankingRates. In the article, the author offers suggestions for making spring cleaning work for you.

We are officially one week into spring, and many are shedding winter stagnation for more productive ways to save money — and earn money — using items around the home. Spring cleaning gives Americans an opportunity to revive their finances by playing salesman with forgotten and unwanted stuff.

Did you stumble upon a crock-pot from a Black Friday sale that you’ve yet to use? Turn impulse buys into cash in your pocket, instead of letting appliances and other belongings go obsolete or outdated. Finding items for sale in the garage or attic now can help you make as much back on your purchase as possible.

There are many ways to sell spring cleaning finds that are straightforward and take little time. Some of the most important decisions to make when selling your stuff is knowing what to sell, how to sell it and for how much — establishing these three critical factors can determine how much money ends up back in your bank account.

Have items for sale? Here’s what to do

Your selling approach can impact how much you earn on a specific product, so following the right game plan is crucial:

  1. Selecting items to sell. When deciding on which items to sell, it is helpful to create three different piles for donations, yard sales and online sales. Just because you found an abandoned tea bag plate in the cupboard doesn’t mean it’s worth the time to post it on eBay and absorb packaging fees for a $5 sale. Items like a partially used spiral notebook, crayons and well-worn clothing are better served in the donations or yard sale bins, while big-ticket items like an iPhone, leather jacket, new running shoes or a coffee maker will bring higher sales online.
  2. Choosing your audience. There are many ways of communicating to buyers that you have items for sale. Each of the most popular resale options have their pros and cons, so determine which is a practical selling approach for you, depending on what you’re selling and your resources.

    • Yard sales: Like other selling avenues, yard sales are typically hit-or-miss. A benefit of hosting a yard sale is that you’re able to negotiate prices with buyers in-person and can showcase your merchandise in one location, on one day, to get the sale done at once (ideally). The big disadvantage to yard sales is that it eats up a lot of your time. Not only do you have to stand guard on your lawn for potential shoppers, but advertising your sale is a time-consuming, yet necessary, factor for success. This includes posting your yard sale to the classifieds or Craigslist, making street signs and creating price tags or signage for your items.
    • Craigslist: This community listing is a great place to sel big items like a snowboard or toaster oven, when you don’t want to spend money on shipping. To save the most money and keep the profits of the sale in your wallet, try dealing with buyers in your immediate location so you don’t lose money on gas. While Craigslist is a free service, sellers must be prepared for possible haggling (unless the post clearly states the price is “firm”) and be able to meet the buyer face-to-face in a public location.
    • eBay: For over a decade, eBay has been a common selling platform for those with either valuable items for sale, or are selling new items like unwanted gifts. For example, I purchased two new brake pads at $85 each, but sold my car before I got a chance to install them. eBay was a better audience for this type of sale because there’s a higher chance I could get close to my original purchase price, and shipping costs were not budget-blowing. When dealing on eBay, however, there are a few basics to keep in mind for a successful transaction and sale.

Name your price

Before setting up a yard sale or creating a post online of items for sale, conduct a quick search online to see how much similar items are being priced. Remember, there is a difference between being flexible and being hustled. By knowing the price range of each item you’re selling and the lowest amount you’re willing to accept to part with your goods, you are setting yourself up for a fair deal.

Keep in mind yard sales and Craigslist deals will likely present the most back-and-forth price negotiations, as eBay allows sellers to set a reserve price if necessary, which is why you need to have a lowest price-point established ahead of time.

All it takes is a free Saturday to get your spring cleaning underway. Start fresh this spring with a tidy home and a robust savings account by parting with the clutter in your life.

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Today on the Consumerism Commentary Podcast, Bryan J Busch talks to Andrea Woroch, consumer savings expert.

They discuss when and why it can be smarter to shop for certain items during the winter.

Consumerism Commentary Podcast
Best Things to Buy During Winter: S06E17 / 170

DownloadRSSiTunes

Table of contents

Consumerism Commentary Podcast[00:00] Introduction from Bryan J Busch
[00:33] Interview with Andrea Woroch
[00:51] Big appliances
[02:42] Christmas wrapping, decorations and lights
[03:18] Using and selling gift cards
[05:06] Linens and bedding
[05:45] Motorcycles
[06:28] Suits, prom dresses and spring formal dresses
[08:28] Video games and TVs, and consider ditching cable for a Roku player
[12:55] Winter coats and winter sport essentials
[13:50] Jewelry
[14:58] Furniture
[15:45] Don’t shop for the current season at the beginning of the season
[16:36] End

We always welcome feedback from listeners. If you have any comments for this episode or for any other, or if you have suggestions for future episodes, please leave us comments here or email us at podcast at this domain name.

Theme music by Mindcube.

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Meal plans at college are convenient. A student’s food costs are wrapped into each semester’s tuition bill, allowing them to focus on academics and college activities rather than finding the money for each meal. Many colleges offer similar meal plan choices, and the two most popular options are plans that offer either three meals a day or two meals a day. In addition to the ability to swipe a card to qualify for a meal, many dining plans offer points to be used for additional food expenses, whether in a dining hall, a campus fast food establishment, or a convenience store.

The prices for the meal plan vary from school to school. Meal plans are expensive, and most students don’t take full advantage of them. Here are some examples of how much a typical meal plan would cost per semester at some schools. At some schools, the two plans cost the same amount. The difference would be in the number of “points” one may receive for extra meals, and since these point systems differ from school to school, I don’t include them in the table.

Two meals per day Three meals per day
Ithaca College $2,882 $2,882
Rutgers University $2,035 $2,190
SUNY Potsdam $2,185 $2,250
West Chester University $1,189 $1,281
Yale University $2,600 $2,600

Many schools require students living on campus to sign up for a meal plan. These prices not only pay for the food, but help defray the college’s costs of running dining halls on campus, and all students share these costs regardless of whether they use the dining halls.

Choosing a meal plan

Most colleges and universities offer a choice between a two-meal-per-day plan and a three-meal-per-day plan. There may be additional options offering fewer meals, and the plans also often different combinations of meal points or flex points. In general, if you must choose a meal plan, choose a plan that matches your habits. If you’ve never been a breakfast eater or if you’re a night person, the three-meal-per-day plan will likely be a waste of money for you, assuming it costs more than the other plans. You won’t magically begin eating breakfast just because you receive that meal as part of your semester bill.

Similarly, if you haven’t been much of a cook at home, you won’t become one at college. These two trends are likely to continue, but can be reversed with some discipline and effort. If there’s no impetus for change, though, expect to continue living and eating with the same patters.

Wasting money

The college knows that you probably won’t eat every meal provided on your plan. For plans with points, colleges some how get away with expiring the points at the end of the semester or year without rolling them over to the next semester or providing the student a refund. To take full advantage of the meal plan and the price you pay, students must eat every meal and use every point, and that’s not a realistic expectation.

Cooking to save money

Cooking is an alternative to eating every meal in the dining hall. Unfortunately, some dorms don’t have facilities for cooking. There may be rules against keeping appliances in dorm rooms, and you may not have access to a refrigerator and a microwave. If you do live in a dorm with a shared kitchen, whether living in a suite, where a number of roommates share a common area, or a dorm where there is a kitchen on each floor, you’ve probably paid more for your housing costs than if you were to live in a dorm on campus without these facilities.

If you can cook, do it. You might be able to choose a lower-volume meal plan. Some colleges offer meal plans that include fewer than two meals per day, though options may be limited, especially for first-year students. You can save money by buying a smaller meal plan and make up the difference by cooking additional meals.

Many college students waste money with meal plans primarily because they don’t think about it. If someone else is paying the tuition bills each semester, or if student loans are covering most of the costs, the act of paying for daily expenses is several steps removed from the act of incurring those expenses. This disconnection between eating and payment reduces the awareness of how much things really cost.

College students who care about their financial future must be aware of what they are spending and find ways to reduce costs, a particularly difficult task when there is no immediate feedback or consequences to the choices. Dining plans make it possible for colleges and universities to overcharge you, so look at all your options, make the best choices, and increase your awareness of the costs of dining on campus, off campus, and cooking.

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Avoid These Big Money Wasters

by Flexo
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CNN is offering a compilation of the ten biggest money wasters. These items would be obvious to most loyal Consumerism Commentary readers, yet it would not be out of the question to disagree with some of these money-wasters in some circumstances. ATM fees. You shouldn’t be surprised that banks will charge multiple fees for the ... Continue reading this article…

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20 Ways to Use the Payroll Tax Holiday

by Flexo

When Congress passed the Tax Hike Prevention Act earlier this year, it included an economic stimulus in the form of a payroll tax holiday. As Leigh Mutert, CPA explained in our podcast interview, the payroll tax will be reduced in 2011 from 6.2 percent to 4.2 percent. As a result, paychecks will be a little more than ... Continue reading this article…

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Turn Off Your Air Conditioner and Save Summer Money

by Flexo

Last week, the New York metropolitan area experiences a heat wave with temperatures above 100°F for several days. The hazy, hot, and humid weather kept people in the air-conditioned indoors as much as possible. Con Edison, the power company that provides electricity to New York City, called customers asking them to preserve energy by turning ... Continue reading this article…

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Podcast 42: Toyota Recalls, Frugal Valentine’s Day

by Flexo

Today we talk with Jeff Bartlett, Autos Deputy Editor at Consumer Reports about the recent Toyota recalls. For updated information on Toyota recalls, see Consumer Reports’ unintended acceleration guide. Also in today’s episode, Flexo discusses money saving tips for Valentine’s Day. Production Number: S02E16 Segment Numbers: 60, 57 To listen, use the player above (Adobe ... Continue reading this article…

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