Leaving the Frugal Life Behind

Posted by: DL on Tuesday, March 9th, 2010

Recently, my husband and I were given a gift certificate to dine at a lovely,  expensive restaurant.   Our dinner was delicious (of course, we ordered “the special“) and a delightful evening was put into our memory bank.  However, I couldn’t seem to leave the frugal life behind.

Taking a brisk winter walk before arriving at our destination  - remember this is South Texas “brisk” -  I was a bit chilly and declined giving my coat to the Maitre d’.  Little did I know how wise this would be!   Pleased to be attired in some “new” clothes, I panicked for a moment as I have been known to forget to remove those plastic thrift shop tags!  Thankfully though, this was not the case and we quickly took our seats in preparation for a scrumptious meal.

The place was crowded with conventioneers who seemed to have nary a thought to the expensive menu. With some chagrin, I must admit, after seeing a patron’s convention identification tag, I did hope his expense account wasn’t being paid by my tax dollars!

Thoughts seemed to continue down a frugal lane.  I will confess, I doubted if anyone in this restaurant was doing their “debt snowball.”  And I hoped that all those dining were now “living like no one else” because they had “lived like no one else before.”  As we were leaving, I happened to see the Maitre d’ assist another patron with her coat.  Honest, I wasn’t staring, I just happened to see her give him a $10.00 tip!  He smiled and I gulped - only three more coats and this Maitre ’d would match a well-known blogger’s weekly grocery budget!

Now, it really isn‘t my place to decide how other people spend their money. And that is not my point. As we left the restaurant, the realization came to me that living frugally has taught me to evaluate and appreciate the choices I make. Special evenings can be a lavish treat, yet, while grateful for this fine dining experience, I have no desire to leave the frugal life behind.  How about you?

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23 Responses to “Leaving the Frugal Life Behind”

Tammy Says:
March 9th, 2010 at 8:07 am

Same here! When we actually go to a restaurant (sit down meal with a tip) or (very rarely–maybe twice with the family) movie theator, it’s because we have a gift card or whatever. I find myself looking around and thinking the same things (What would it be like if this was just common? Do these moms have to work outside of the home to do this? I could buy a week’s groceries for what this meal costs!) But what’s neat is what my KIDS say…basically the same things I’m thinking! And when we leave we all express the same thing: That was nice but it’s just not worth the money. How can people spend so much? Yes, even my kids have no desire to leave the frugal life. (Yay!!)

Beth Says:
March 9th, 2010 at 9:43 am

I do the SAME thing! DH and I are not big eaters. We don’t need a $100 steak to ‘enjoy’ ourselves. We happen to like the less then $2 a pound meat we can get at the store, and we also like the Chilis, Outback, etc. My sister and her DH as well as my parents LOVE food. They will go above and beyond to go to a new fancy restaurant. i’m not big on eating to begin with as I eat like a bird, so spending $40 on a steak or something that I’ll have 3 bites of and be full is not my idea of a ‘good time’. We went to Forneletto at Borgata on our last vacation. We had a few gift cards that we had saved up (VISA ones) and decided since we both love pasta and Italian food, we’d go. We each got a glass of wine, no appetizer or dessert and we both got an entree. It came to about $80! A couple to our left got a bottle of wine, both got appetizers and an entree and each got dessert. I can imagine what their bill was! On our right came a young couple (maybe 21) and we eavesdropped a tad. They were looking at the menu and prices and figuring out what wine to get. Then the guy goes ‘This is NOTHING like Carabbas’ at which point DH and I laughed out loud. That is sooooo us! We’d rather the cheapy places over the expensive places ANYDAY!
But looking around at this place, I see your point about debt snowball. Hopefully your taxes didn’t pay for these meals! I work for the government so I can kind of tell you what happens. When we go away for training, etc, we get a set allowance each day for food and it all depends on where it is your’re going. (NYC would get a higher food allowance then let’s say Maryland). But if it’s a regular company, I would certainly hope you didn’t have to pay their way!
I do the same with my coat too, I never check them. For a few reasons, first and foremost I’m ALWAYS cold and always have a sweater jacket or jacket with me and 2 because I’ve heard too many horror stories of them losing their jacket. Although, my jackets don’t cost more then $40, and I’m sure most people checking their coats, their coats cost a ton more then mine!

Sarah Says:
March 9th, 2010 at 10:02 am

For us, the point of being frugal, or stingy, or cheap 99.44% of the time is so you don’t have to worry the other times. Can we afford a special anniversary meal? Yes! Because ever since our last big anniversary meal, we baked our own bread, stayed within our cell phone minutes, turned the heat down at night, etc.

We go to super-fancy places every once in a while, but not so much that it doesn’t seem “special” anymore. So yes, I’ve had a meal that cost as much as a car payment (!), but I remember every bit of it–even though it was years and years ago–because it was special.

even-star Says:
March 9th, 2010 at 10:19 am

Great post and interesting to think about. I am an inveterate non-consumer but my fella likes to live it large now and then. It is difficult finding a balance. Espcially when he wants to take me out. There is no way I can ever reciprocate at the same level. He simply earns more than I do. It is great to go out but also we have had some very special times either just staying or going out and spending very little. He appreciates those times as much as I appreciate his gestures.

I sometimes find excessive consumption just for the sake of it disturbing. I have so much compared to like 90% of the rest of the world.

But if you are going to go out and treat yourself I think it is best not to think about it. If one does it rarely enough that it is a real treat definitely live it large and don’t think about the extras or the bottom line.

Janet Says:
March 9th, 2010 at 1:44 pm

Yes, I would love to leave the frugal life behind. I am tired of worrying about what everything costs. I would love to go whatever restaurant I wanted to, order whatever I wanted, leave generous tips and never give it another thought. I can’t imagine not wanting to be able to do that.

DL Says:
March 9th, 2010 at 5:02 pm

Janet, I appreciate your honesty. We each have different “seasons” of frugality. Some can be exhausting and challenging and I too have been known to worry. However what I have found to be the advantage of the frugal life is that my perspective is changing. No longer controlled by a culture of consumerism, sharing a soft pretzel with my husband can be as satisfying to me these days as a fancy meal out.

MP Says:
March 9th, 2010 at 7:31 pm

DL and others – worrying about whether others can afford to be in the expensive restaurant that you happened to snag a gift certificate to? Please, stop worrying about others and just enjoy what you can, what you’re doing and be happy you are doing what you want within your means.
If I worried about whether everyone else has put the meal, or the vacation or whatever on the credit card that they can’t afford, I would think it’s time to recalibrate my attitude. It seems slightly short of preachy.

caryn verell Says:
March 9th, 2010 at 7:57 pm

i dont go out to fancy dining places much either, but when i do…i know that i wont have a bill for it coming at the end of the month. that makes it all the more enjoyable. given a preference though, i too would rather share an intimate, quiet evening at home with my husband sharing a meal that we fixed with our own hands, burning our own candles, and spinning our own music.

Vicky Says:
March 10th, 2010 at 7:41 am

If someone is generous enough to give you a gift like that, you should enjoy it and worry about money again when you go home. I was once at such and event and the one in our group who worried so much about the cost (even though she did not pay her own way) sort of ruined it for the others. Please be grateful AND gracious to others for their generosity.

Heather Ozee Says:
March 10th, 2010 at 10:36 am

Congrats on working your debt snowball we proudly completed our 27,000 snowball in 9 months and came out of it with a better marriage and kids that appreciate things a little more… they are still kids though.
I can identify with not leaving frugality. Hey… that’s how we build wealth once the debt is gone. You can’t fall off the wagon and charge till the cows come home… without their utters because they had to pawn them to pay Chase!
We still love doing some of the things we started during the most frugal times of our life… the beans and rice days. Some of our frugal family fun activities were:

Parks: Spend Saturdays at the park with the kids or a good book. Bring a picnic. Be sure to choose a safe and populated area.

Library:
This is a treasure trove of fun for the little ones. Fascinating books, computers and free coloring sheets. Plus most libraries have story telling at least once a week. Need a movie, at your library they are free and stocked full. My kids love the children’s sections assortment of movies. And I really enjoy their books on CD for my commute.

Camping: in the living room or yard. Little ones get a real kick out of this.
We also saved on groceries and still do by:

Aldi: A buggy completely full(top & bottom) at Wal-Mart with mostly store brands can cost us about $140. Fill that buggy up at Aldi and you are looking at about $70 to $80.

Don’t just look at the products at eye level. Lower priced canned goods often are hidden bottom of the shelf

Buy the baking basics and you’ll always prepared for what sweet craving you develop… and cheaper than you could buy it usually.

Hugs to You My Frugal Kindred Spirit!

DL Says:
March 10th, 2010 at 11:08 am

These comments are great and I really appreciate the thoughts expressed. I just wanted to reiterate my point that the evening was well enjoyed and that I was writing a bit “tongue in cheek.” My desire was not to place judgment on how others spend their money as much as to evaluate such. There would have been a time in my own life, where an evening like this might have been a temptation for dissatisfaction with my more simple lifestyle, but by learning to “think frugally,” I evaluate choices with a different perspective. And might I add, I think it is great the Maitre d’ makes such great tips!

kimc Says:
March 10th, 2010 at 12:58 pm

I agree!
While I enjoy a nice night out on someone else’s dime, it’s much harder for me to enjoy a night like that on our own dime – and I don’t think I would choose to spend lavishly or frivolously no matter how much I had.
Have you ever read The Millionaire Mind? *Great* book! The truly wealthy don’t look, act or spend the way most of us would expect.

margo Says:
March 10th, 2010 at 1:46 pm

I just reserved The Millionair Mind from my library system – I’m curious.
And what is a debt snowball?

Also, my husband and LOVE food, so for us to spend money at a nice restaurant is a gift to ourselves for birthdays and anniversaries. We savor it and have no regrets. We don’t go out for pizza every time we don’t feel like cooking, though. Our food budget is very frugal.

Allison Says:
March 10th, 2010 at 2:27 pm

I’m all for enjoying the finer things in life (if you can afford it) as long as you’re taking time to bless others along the way. Giving a $10 tip sounds like a great way to bless someone else!

Some aspects of frugality can be fun (camping, libraries, and parks as mentioned by Heather up above), but other aspects of frugality aren’t fun, they’re just plain tedious, boring hard work, and I’m more than willing to leave those aspects behind. :)

DL Says:
March 10th, 2010 at 3:35 pm

Margo, the phrase, “debt snowball” has been coined by Dave Ramsey and refers to his method of paying off debt. daveramsey.com would be the best place to seek a description.

Leslie Says:
March 10th, 2010 at 4:22 pm

I do hope that you left an appropriate (at least 15% tip for your waiter/waitress). Even with a gift card, you should always tip.

Fifteen percent of $80 is $12. You don’t have to share what you tipped (I would love to know), but I sure hope it was the minimum of what is culturally acceptable. Waiters and waitresses often make well-below minimum wage base pay (like $2.65 an hour), because it is expected that they earn their wages in tips.

kimc Says:
March 10th, 2010 at 10:38 pm

Leslie,
Absolutely true, but somehow I doubt that the waitstaff at the restaurant in question have any trouble making a decent hourly rate with their tips. :)

Susan Says:
March 11th, 2010 at 12:12 am

I found this discussion fascinating! I am a mom with five kids on a modest, single income and we generally “eat out” (if you can call it that!) at places like McDonald’s when we’re on the road. However, two weeks ago, my attorney brother decided to host his siblings and their spouses and take them to an UBER-nice restaurant in our state’s capitol, where he lives. What a night! My husband and I couldn’t get over what everything cost and know that the bill for our table easily hit at LEAST $350.00-$400.00! Wow!! I kept thinking throughout the night, “Isn’t money a strange and funny thing? Everyone sees value in such different ways!” My husband and I don’t drink, but my brothers love a wonderful bottle of wine; each of the bottles brought to our table cost upwards of $100.00. The appetizers were in the $15-$25.00 ballpark. And the meals themselves were in the $35.00-$50.00 range. Since my husband and I never go to restaurants like this, we were wondering if this is what is normal or if we’re just so “out of it” that we don’t know what people normally spend on meals like this. And while we did have a wonderful time with all of our family, I can honestly say that both my husband and I felt like we could have done almost as well ourselves if we had made the same meal at home and bought excellent quality ingredients. I know that the purpose of a night like we had is that you get to enjoy being together without having to worry about the cooking and the cleanup, etc, but is a meal REALLY worth THAT much??! I have thought about this a lot over the past week, and wonder what other people think about expensive food like this.

brittany Says:
March 11th, 2010 at 12:09 pm

Frugal vs. Miserly: You be the judge!

I hope you tipped your server well. Remember, you’re supposed to tip based on the original price, not on the discounted or gift-certificate-supplemented price.

Leslie Says:
March 11th, 2010 at 2:04 pm

Kimc, theoretically that could be true (but it’s not, the average wage/tips work out to be about $7.14 an hour), but what if everyone was thinking the same way as you – that someone else was giving generous tips, so you don’t have to? Even in expensive restaurants, waiters and waitresses aren’t going to retire early on their hard-earned tips. Plus, it’s a grind of a job. On your feet, dealing with unhappy customers, etc. Sure, some nights, a waiter can clear $20 an hour for a 5-hour shift, but those “awesome” nights are few and far between.

Susan, It’s not just the food you are paying for, but the ambiance, the skills of the chef who created the menu and creates “specials of the day”, the entire experience. Before I stopped working (due to illness), my husband and I used to go out to dinner frequently – once a week, I’d say. Maybe once a month we’d do a night out like the author wrote about. At the time, we were both wine enthusiasts, and lived in an area with amazing restaurants and chefs. Life is different, now. I am unable to drink wine and also have problems digesting foods, so it’s usually not worth it to go out for dinner.

kimc Says:
March 11th, 2010 at 2:45 pm

Leslie,
I wonder how the average waitress/waiter wage is calculated? Back when I was waiting tables, I was admonished by the others that *nobody* reports the full amount of their tips and I certainly shouldn’t either. The other waitresses said standard practice (not to be confused with the law) dictated that we should report just enough tips to bring our pay over the minimum wage threshold so that our employer didn’t get in trouble.
Having said that, in my previous comment I was not trying to discourage anyone from tipping or suggesting that we don’t tip well ourselves. We figure the cost of a tip into the meal; if we can’t afford to tip, we can’t afford the restaurant and go elsewhere.
I’m just saying I would be very surprised if a waiter in a posh restaurant didn’t make a generous wage. As a novice waitress in a very small town where tips averaged less than 10%, I still made well over minimum wage even on a slow day.

Rachelle Says:
March 14th, 2010 at 11:00 pm

Concerning tipping, don’t always assume! I worked lunches at a really nice steakhouse/wine bar in Arizona and only made $2.13/hour in 2004. There were some days I would only make $20 in tips or less just because it was so slow. Night crowds are obviously better, but it was really discouraging. We had “coupons” for a promo that gave customers $10 off their lunch bill and I had people come in, order something cheap, use their coupon, and literally leave me $.50 for a tip. And this was a “fancy” restaurant.

I agree with whoever above said that if you can’t afford to be going to the restaurant and cannot afford a decent tip, then just don’t go. It’s discouraging to the staff who work really hard to give you a wonderful dining experience.

And FWIW, I was always extremely honest in claiming my tips.

Pamela Says:
March 25th, 2010 at 12:24 pm

I have to add this to the conversation: Like many others, I worked my way through school by waitressing at what the original writer considers a ‘posh’ restaurant. I received tips, some more appropriate than others. However, please keep in mind that at many restaurants, the waitresses’ tip isn’t just the waitresses’ and is split amongst the busboys, the hostesses, the bartender, etc. I completely agree with Rochelle: waiters and waitresses make surprisingly little and cannot count on tips, as it could be a good night or a slow night. Furthermore, it’s a job that’s very hard on your body and is stressful–no one appreciates being demeaned due to a delay in soup or entree.

 

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