Showing posts with label financial. Show all posts
Showing posts with label financial. Show all posts

July 9, 2009

dish towels



I had always wanted to give up paper towels, but found convenient reasons to keep on buying them. My cloth dish towel collection was accumulating, and I was using them, but only for non-staining messes so not to dirty the towels. When I had a baby I was expected to enter the world of disposable everything. Troubled by the idea of creating excess trash, I made the controversial choice not to use disposable diapers, much to the surprising disgust of almost everyone. Who knew people would be so opinionated about me wanting to put cloth diapers into a bin, instead of disposable? I signed up for the service that dropped off 80 clothes a week, and picked up the dirty ones. Highly recommend to any new parent. Getting 80 cloths a week, that I didn't have to launder myself was one of the greatest things ever. I used them for everything, from spills, spit-ups, breast pads [not attractive but effective around the house], and of course, diapers. The best part was never worrying about running out, or having to go to the store to pick up a bulky case of diapers.

So then a funny thing happened, I ran out of paper towels and didn't notice. When I finally got myself out to the store, baby in tow, I cringed at the fact of lugging the groceries, baby, and towels up to my second floor apartment. It sounds petty, but as a single mom I have to carry everything myself, and when I have a large car load I feel like that farmer at the bank of the river, with the chicken, the bag of seed and the wolf. It's a balancing act that can't end with leaving the baby unattended on either end.

And now I use my cloth towels for everything. For staining messes like pitting cherries, or gross baby messes, or even just to eat an apple without dripping juices. And when they are dirty they get thrown in the wash along with our clothes. My towels may not be in pristine condition, they have stains and holes, the edges are getting raggedy, but I save money, time, armloads, landfills and hope I am setting a good example for my little plum. I am waiting for that day when she turns to me and says, "Can you believe they make towels out of paper and people just throw them away?"

A few tips:
  • Put a bin, basket or bag in the kitchen to put used rags- I use a bag that hangs over a metal storage rack.
  • If you have fancy towels, also buy a cheap set of plain one for the really messy stuff. I like the flour sack towels from Target- either white, or organic.
  • Old shirts and worn out clothes can be upcycled into towels. There are plenty of instructions out there, or just cut & hem.
  • If you do make your own- don't spend too much time on them or you will be less likely to use them. But don't stick with plain ones if that is not your style.
  • Store them in a convenient place where they are easy to grab. I keep a few hanging over a horizontal paper towel holder, and the rest folded in a kitchen rack, and some smaller ones in a pretty bowl.
Cheers!

*towels are a mix of Ikea, organic cotton from Target & vintage

April 4, 2007

Ethical Banking


photo - Cwmni Gwynt Teg (Fair Wind) in Wales, UK

My 1st post, scary and exciting.
I feel so lucky to have been included in this blog with these great women who have already influenced changes in my own life through their recent posts. But what to write? My current pet topic is eco building, but with April 5th approaching (deadline for ISA's in the UK) my thoughts have been around banking.

For years I prided myself on living ethically, being veggie, eating organic, and caring for the environment etc. Then, in 1995, I found out my bank, my little (so I thought) Scottish bank was financing the arms trade, among other unsavoury things. I was horrified and wanted to switch immediately.

I learned that The Co-operative Bank had responded to customer demand in '92 (yay) and developed an extensive ethical policy. They are now well known for SMILE, their highly acclaimed online banking facility, which helps as they don't have a lot of high street branches. I liked that they were not investing in companies etc. which would harm the environment, make or trade arms, hold 3rd World Debt or support oppressive regimes. This was all great. But could it be better?

Yes it could.
When I went self employed in 1996 I discovered Triodos Bank. They didn't have high street banks for me either, but they had a totally inspiring ethical policy. In their own words 'Triodos Bank only lends to organisations which create real social, environmental and cultural value'. And they mean that. You can see all projects they have loaned to or invested in on their website. Most banks refuse to disclose such details at all.

They began in the Netherlands in 1980 and now also operate in the UK, Belgium and Spain, and have an agent in Germany. One of the nicest things about banking with them is the mail. No more letters encouraging you to get into debt so you can have the latest car, the hottest holiday or the biggest TV. Nope, with Triodos you get updates on who they've helped with lovely profiles and great photo's. It's so inspiring and un-banky, and it gives you the most incredibly good feeling to know your savings are doing something so positive.

As well as a traditional savings accounts they have Charity Saver accounts, so you can direct your savings towards causes that are particularly dear to your heart, like wildlife, human rights, renewable energy or social housing to name a few. At the time I was spending my free time campaigning against GM trails near our local Organic Farm so I opted for an Organic Saver Account. Years later Triodos helped when the farm shop needed rebuilt. That felt good. They've also help local artists with studio space, which I know you crafty types will approve of. Honestly, this bank is GREAT.

We have enormous power to create positive change by where we keep our money, as well as where we spend it. Not all countries have such great examples as Triodos but many have banks similar to the Co-operative bank. And it's not just savings accounts, but also investments, pensions, mortgages and all the other ways we deal with the bigger finances in our lives. It's worth having a search to see what options are available where you live. Through Triodos I even bought shares in a windfarm!

I've added a selection of UK links below to get you started and also some worldwide links. Please feel free to use the comments section to let us all know of other links that you recommend. Oh, and I've not forgotten about alternative currency, just keeping that for another post. Happy saving...

UK
Co-operative Bank
Triodos Bank
The Ecology Building Society

Ethical Investors (Mortgage, Pension & ISA options)
Naturesave (Insurance)

WORLDWIDE
Australia - MECU
Australia - Savings & Loans Credit Union
Australia - Australian Ethical
Belgium - Triodos Bank
Canada - Citizens Bank
Denmark - JAK
France - Institut de Dévelopement de l'Economie Sociale
France - Société Financiere de la NEF
Germany - GLS Bank
Germany - Triodos Bank
Italy - Banca Etica
Netherlands - Triodos Bank
Spain - Triodos Bank
Sweden - JAK
Switzerland - Alternative Bank (nice graphics)
USA - Common Good Bank

March 22, 2007

what's in your wallet?

as i drove home yesterday, thinking about the article in the nyt -the year without toilet paper- that stephanie led to, and hearing more about how we are "consumed with consumption". i thought about cindy's post again. how can i simplify? and i was reminded of a little something i carry with me in my wallet. i found it late last year, while perusing a constant source of inspiration and encouragement - The Center for a New American Dream - some holiday inspiration in the column "Living Green Below Your Means".

"The Thrifty Wallet Buddy" was my stocking stuffer of choice this past holiday. and i really feel that it has made me a more conscientious consumer. not perfect by a long shot. i can't imagine life right now without {unbleached, recycled} toilet paper. but certainly more thoughtful! i want to share it with you too, if you don't know it already. you can download it here.

it wraps your card in "questions to ask before buying" including:
"Can I borrow one, find one used, or make one instead of buying new?"
"Will it serve more than one purpose?"
"Can I recycle or compost it when I'm done with it?"

{i do believe some of these questions will be looked at more closely in posts next week...)

happy friday!