# Penny-Wise, Pound-Foolish

If you’ve been following Unconbentional for a while now, you know I love introducing minor changes to your spending so you have money to invest. I’ve talked about saving amounts as small as \$2/day cycling or 26¢/coffee just so you can keep adding to your bottom line. What I haven’t told you up ‘til now is that most of this is useless if you’re still an idiot about large “one-time” expenditures. Obviously, that’s common sense for a lot of you, but maybe it’s not because if I’m reading this right, the average Canadian is still blowing \$40,100 on their new vehicles! As if that wasn’t enough, the current trend is fuel-guzzling SUVs over a regular “fuel-efficient” car! Don’t even get me started on rent. Some people I currently know spend as much as \$1,500/month on living expenses when a little thinking-outside-the-box could turn that into \$300! Here’s some quick math, if only to make you reconsider your next major purchase. I firmly believe that ANY purchase over \$100 should be: a) something that SAVES you money, b) something that EARNS you money, or c) an EXTREMELY special occasion. (“Friday night” doesn’t count.) I know you know this already, but it’s hard to argue with numbers. Here we go.

A \$40,100 vehicle represents the money you’d save on gas alone from about 55 years of cycling 15 KM a day instead of driving, or 301,125 KM. The circumference of Earth at the equator is 40,030 KM, so that \$40,100 SUV you just bought is equivalent to what you’d save by circumnavigating the globe 7.5 times by bike. If we’re talking about saving 26¢/coffee by buying one size down every time, we’re talking about 154,230 cups of coffee you’d need to do that with, or 422.5 years of one cup a day. By a single dumb decision – buying a new vehicle LIKE SO MANY CANADIANS ARE DOING – you’ve potentially nuked 154,230 tiny good decisions, OR just shat all over the savings from multiple lifetimes of cycling. Remember, shiny things are stupid. Beware the one-time expenditure.

This is only one example, but my point is you can’t pat yourself on the back for tiny good decisions anymore. You need to do the math on big purchases, and really think about how long it took you to get there based on your frugal decisions. The other day, I was hosting a dinner party and spent \$101.46 on two lobsters. I’d have to choose a Subway 6” sandwich over a much tastier sushi lunch 20 times to make up for that, and it kinda hurt to fork over that money. Sure, I’d mentally congratulated myself every time I bought a cheap sandwich, but I destroyed the benefit of ordering 20 of those in one night! You just don’t win as long as you keep making major purchases. If you’re frugal six days out of the week and go hog wild every Friday, YOU’RE NOT ACTUALLY FRUGAL! That puts you in the same boat as everybody else!

Don’t be penny-wise, pound-foolish. Saving nickels and dimes really don’t add up to much. Don’t let one or two big-ticket items set you back years of penny pinching. If you’re not careful, it takes only a day or some asshole car salesman to ruin your financial future. Watch out.

# It Was Made For You

“The making and authorized distribution of this film supported over 15,000 jobs and involved hundreds of thousands of work hours.”

That’s the message at the end of X-Men: Apocalypse. The fact it’s anti-piracy is clear, but that’s not why I snapped to attention. What got me was I’d essentially seen this movie for free on Netflix, even though I should’ve paid hundreds more! Gimme a sec. I’ll explain.

Now, you obviously know a blockbuster movie takes millions of dollars to make. Not just that, but the combined experience of 15,000 creative men and women is nothing to shake a stick at. Many of them have been in the film industry for decades. Let’s average it out to 10 years of experience per person. (I think that’s fair because even -I- have 10 years of film experience.) Well, we’re already looking at 150,000 combined YEARS of experience to produce this movie I basically saw for free! X-Men: Apocalypse is 144 minutes long, so each minute I spent checking out the blue chick or cheering on the disabled psychic took 1,000+ YEARS OF WORK AND COMBINED LEARNING to make it as awesome as it was! It gets better. X-Men: Apocalypse had a budget of \$178M USD. That’s \$238,039,400 in Canadian dollars, so EVERY MINUTE of that movie cost \$1,653,051! WHAT?!? Even if I’d seen it in theatres for \$15, I think reaping the benefits of 150,000 years of work and \$238M was a fair trade. So what if other people are watching it too? Other eyeballs on the screen don’t diminish YOUR experience with the movie. With your \$15, you’re effectively hiring a stellar cast and crew, plus a production company, to personally show you people in funny suits punching each other! That’s goddamn hilarious! They did all that – FOR YOU.

Now, obviously, they didn’t do it for you exclusively. We know that. In order to appreciate life more fully though, pretend they did. Not to get into solipsist philosophy, but what difference does it make? You’re lucky enough to appreciate a \$238M product for \$15 in a theatre, or BASICALLY FREE at home, and it was all for your enjoyment! Now, apply this same line of thinking to every product you use. Your toothpaste took years of research. Your clothes went through a series of skilled workers. The food you eat in a month potentially came from hundreds of plants and animals. And yet, IT’S ALL AFFORDABLE ON ONE PERSON’S WAGES?!? If this doesn’t blow your mind, I can’t help you. You’re indirectly hiring thousands of people every day for only about \$100. That’s bonkers.

Obviously, don’t spend more. Instead, recognize how lucky you are and SPEND EVEN LESS. If you just hired 15,000 people to tell you the story of a human magnet, you can proooooobably put the new Mass Effect game back on the shelf. While you’re at it, recognize the environmental impact you have on the world and eat one less animal maybe. You’re already hoovering up plants for pennies, and you didn’t even grow them. The iPhone you’re reading this on? 40 years of constant engineering from a staff of thousands. You don’t need to upgrade as soon as a new one comes out. You already have a personal oracle in your pocket that borders on sorcery.

Be fucking happy with what you’ve got. You’re already getting way more than you pay for. Pretend everything you use was made FOR YOU and appreciate where it all came from. Someone else may have the same product, but that doesn’t diminish your experience with what YOU own. In fact, it even adds value! This way, you get to talk about the same TV show with your friends!

From now on, look at each new purchase with this perspective. I hope it’ll give you a feeling of constant abundance. While you’re at it, maybe stop pirating movies. I used to work in film and TV too, y’know.