Laid-Off & Looking: Is It OK to Be a Gold-Digger?

In early January 2009, I figured it was time for my guy to meet my mom. It had been seven months and she was beginning to think that I had something to hide. (I didn’t, but before him, I’d been single for six years. I put this relationship at a speed somewhere between frozen turtle and crawling backwards.) He picked out a nice seafood restaurant and I’m pretty sure (from what I haven’t blocked out) that I spent a good deal of the evening wishing for more Tanqueray (as I was cut off… evil people in this world).

Everything was going pretty well until my mother (whom I love—with clenched teeth) brought up a very touchy topic for me. She asked him if his family would think that I’m a gold digger (or GD). She asked him that, upon their first meeting, at dinner, while I was trapped in a booth with an empty tumbler. I don’t recall the rest of the evening. I simply remember being embarrassed.

I won’t lie, I’ve thought about it. I’ve thought about how his daughter would feel about a less-than-wealthy woman (9 years her senior) hanging out with her not-close-to-broke dad…

Budget Living Tips from Celebrities

We want to look like them, dress like them, travel like them, but there are plenty of celebrity habits you don’t want to follow–especially in a recession. Jennifer Lopez reportedly doesn’t let her children wear an outfit twice, and some of the getups cost more than $1,000. Celine Dion used 6.5 million gallons of water at her Florida home a couple of years ago. And Lindsay Lohan—well, we advise you not to emulate her in any economy.

But some celebs have budget-friendly advice to share. After all, many of them were broke once too. It’s hard for mere mortals to follow the most common penny-pinching practice–get stuff given to you for free–but these are some savvy tips.

Brad Pitt: Luxury Bedding for Less
You always knew Brad would be good in—oops, I meant on—bed…

Love in the Time of Layoff: 10 Things Not to Say to Your Laid-Off Man

In case you hadn’t heard, the economy is in worse shape than Artie Lange. So it shouldn’t come as a total shock if your boyfriend, husband, or dude-you’re-kinda-seeing-but-don’t-know-what-to-call-him gets a pink memo.

Ease the pain by avoiding the following NSFAGWOOW (Not Safe For A Guy Who’s Out Of Work) phrases. That way you won’t make things worse for a guy who’s already had a horrible week ego-wise.

10. “Oh my god! What are we gonna do?”
For starters, let’s not freak out. Right now your guy needs support, not another fire to put out, and losing your cool is only going to make things worse…

No New Plants, Period.

Gardening, after storms and the economic downturn, is akin to living with the dogged devotion of a Mets or Red Sox fan. As I wander through the garden and see the places crushed by the ice storm or rotted by the ceaseless rain I say to myself, “Wait until next year.” I say this too as I leaf through garden catalogs and dog-ear the pages. I know I can’t buy anything because I am on a recession diet: NO NEW PLANTS, PERIOD.

The economic downturn hit our house hard when I lost my part time editing job and our health insurance in March 2008. Then the stock market debacle turned our savings into dust. My response was denial; I just refused to open my account statements. It is possible to practice denial in dealing with retirement or college tuitions accounts, but I had to walk out my front door and no amount of denial would allow me to over look the havoc wreaked on my garden.

The first thing I had to do was clean up the disaster. Then, since I am known to be a positive, plucky person, I decided to make gardening in a time of recession into a game, a challenge. How to garden when there is no money for plants or accoutrements? Not a penny. Luckily plants divide, unlike stocks of late, and what the economic community call “the green shoots of growth” seem to abound in the garden. I just had to learn to notice…

Comparing Sharing: Should You Rent Handbags, Movies and Pets?

Mom always told you to share. But it turns out her advice might not always be best—at least, not when it comes to saving money during a recession.

According to the Washington Post, companies with a business model based around the concept of sharing are faring well lately, with car services like ZipCar seeing a 70 percent bump in membership since last year and the book-swapping website BookMooch increasing its membership roster by 30 percent.

While sharing sure sounds recession-friendly, we couldn’t help but wonder if it works out as well for the people doing the sharing as it does for the companies themselves. To find out, we’ve did the math on some of the most popular sharing-based businesses.

HANDBAGS
For a monthly membership fee of $5 to $15, sites like Bag Borrow or Steal and From Bags to Riches let users rent handbags for months at a time. But membership fees aren’t all users have to pay, since actually renting the designer purse can cost an additional $20 to $200 (or more!) per month…

For a Cheap Date, Get Creative

Periodically, things go really well. Property values grow at unprecedented rates. The S & P 500 grows 13% year over year. And, once in a blue moon, a single pretty good (but not great) idea will catch the right executive’s eye and move someone from the creative class into the realm of the nouveau riche (and they will buy Jet Skis for all of their friends). Then other times, the unemployment rate more than doubles inflation and the best solution anyone can think of is to tax high-earners in excess of 50% of their income. In the latter scenario, romance, entertainment and romantic entertainment* become a bit superfluous when budget time comes around. That’s when the tough get creative.

Downturn Deals: Half-Price Food

Most of the time, I believe that fresh food is best—like just-pulled-off-the-tree or yanked-out-of-the-water fresh. That’s why I like shopping at the farmer’s market. At the same time, for full disclosure: I have been known to test the boundaries of food freshness, more out of sheer laziness than frugality or a sense of adventure.

According to the Egg Safety Center, eggs will keep for five weeks past the expiration date with “minor loss of quality.” But let’s say late one winter night there’s nothing in the fridge but a three-month old carton of eggs. Trust me: Go hungry. DO NOT fry them up and eat them.

That said, somewhere in between just picked and mildly poisonous you can find some amazing food bargains…

How Colleges Can Save You Money

Remember college? The late night study sessions, the lack of responsibility, the keg parties, and—best of all—all the stuff you used to get for free. (Or at least, it seemed free.) Who knew prescription medications and gym memberships would be so expensive in the real world?

You don’t need to re-enroll to take advantage of the many discounts given to college kids. Many universities offer reduced (or free!) services to alumni and non-students, too, assuming you’re willing to work out in a gym surrounded by 20-year-olds. Some of what you can get from campus…

10 Tips for Learning to Cook from Scratch

Two years ago I could go for days without setting foot in my kitchen. Work had taken over my life, and I didn’t even make coffee for myself. I had lots of nice things—four sizes of pots, skillets, a stock pot, a wok, baking sheets, pie plates, a slow cooker, a rice cooker, a bread maker, a KitchenAid mixer—but they were just crowding my kitchen.

While fantasizing about a balanced life, I read the book Apartment Therapy by Maxwell Gillingham-Ryan. To get the most out of your living space, it advises cooking at least one meal a week at home. So one evening I invited a friend over for dinner, thinking: How hard can it be to make pork chops? My friend, who was raised in Italy and can make gnocchi from scratch, said the pork chop was fine even though it tasted like shoe leather. I was mortified and vowed to change.

So I was lucky—when it became necessary to cut back on my expenses, I was already cooking a few basic dinners a week. Now I take lunch to work, do takeout even less and watch my ingredient costs. Right now a lot of people are considering cooking to save money, and I’m pretty sure many are in the same boat as I was: starting from scratch skills-wise and cursed with a rarefied palate from so much eating out. Here are ten tips I learned along the way…

Work Off Your Costs

These days it might not be easy to find the cash to pay all your monthly expenses, from rent to membership fees. Yes, you can negotiate for lower rates, but there are also ways to create your own discounts—with a little labor.

According to the Times, many landlords have started shaving hundreds off rent for tenants willing help out with tasks like changing lightbulbs and taking out the building’s trash. But these “super-tenants” aren’t the only ones getting discounts on their monthly costs. Across the country, more and more companies are letting their favorite clients handle work exchange for taking money off the dues and fees they’d otherwise be paying.

And why not? Everyone’s a winner, since the company gets a free service and the customer gets a discount on dues. Wondering what kind of businesses are up for letting you volunteer your time in exchange for a better rate? A few ideas:

Landlords
Whether you volunteer to pick up packages for other tenants or work as a weekend handyman—there’s no limit to the services you can offer to take over for your building’s landlord…