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The Great Time versus Money Dilemma. “Plain Living and High Thinking.”

By Anita Mathias

The ultimate economy: Vegetable gardening in the snow!



Roy bought a wood chipper for £150, and is now chipping all the branches and twigs I have pruned, and two ornamental trees in sunny spots which we’ve cut down (heresy?) to replace with fruit trees
Hmm. It would cost us £12 a year for the Council to clear one bin of garden waste a fortnight. But how much to buy mulch? Or compost? And how much time wasted in weeding if we did not not use mulch–which I used to hate for its ugliness and unimaginativeness? So instead, we are putting our twigs and sticks and pruned branches, even ivy and leaves into our chipper, and out comes a fine wood shaving mulch, which we’re putting around our plants to keep weeds out. 
A good investment? Probably. Because the mulch will become compost sooner or later, another economy. 
                                          * * *
When I was a young mum, everyone in my church in Virginia was reading a book called The Tight-Wad Gazette by Amy Dacyzyn. The book promotes frugality so that the mum can stay home with the kids, and the husband retires early.
 Amy’s point of view was that jobs are for dummies, because of the costs of transport, work clothes, lunches out, take-away dinners bought by exhausted mums, stress and consequent disorganization and items bought to replace lost or broken ones; impaired health and immunity. She felt that if a mum stayed home, kept a notebook recording where things were cheapest, shopped for loss-leaders in four stores, and practiced frugality, creativity, and ingenuity, then one could manage on a single salary–and eventually no salary.
 I found the thought that there was no better use of my time than shopping cost-effectively in numerous stores, buying in bulk and being frugal at home deeply offensive. I used to get so incoherently angry at the suggestion that this was the best use of a woman’s time (and time equals life!) that I probably did not make sense to the other mums who were reading and loving that book, and Mary Hunt’s Cheapskate book which was equally popular.
                                             * * *
I find an emphasis on frugality stressful and spirit-cramping. When we decided to put our kids in private school and needed serious money, I started a business, a small publishing company.
I find it interesting and annoying that the literature aimed at Christian women stresses frugality and thrift, rather than businesses which employ leveraging (setting your time, talents, skills and money to work so as to earn the highest possible return on them).
Frugality and thrift, carried to an extreme, cramps my spirit; business I actually enjoy. Entrepreneurship is exciting for me, and creative; seeing opportunities and niches in areas I am interested in, books for instance.
                                          * * * 
However, Amy Dacyzyn had lots of nice ideas which we adopted. She says kids have as much fun getting involved in economically productive activities, like gardening or picking berries, as when playing with toys. In making real jam rather than playdough food. Our older daughter didn’t have much interest in the toys we got her–a dollhouse, a large play-kitchen, a train-set, ride-on toys, seesaws, swings–but loved planting, and harvesting things with us (harvesting flowers and veg. far too early, eating chilis raw, but hey, all part of learning!).
Roy began teaching Zoe to cook when she was under three. At first, she stood on a stool, watching him, and the skillet while he tidied up. And you could hear her squeak, “Booning, Daddy,  booning,” when the entree began to burn. We impressed the importance of not touching hot dishes; she touched them, of course, and after that would warn us with big, wide eyes, “Fire. Hot.” 
Zoe had as much fun cooking and planting bulbs (“I go help Daddy plant glubs,” she’d run up to explain to me) as playing with plastic toys.
She chopped veggies with Roy from the time she was three, occasionally cutting her fat little fingers.  She was able to cook soups and pasta by herself at 9, and elaborate meals (roast duck with potatoes, stuffing and gravy) at 11. At 17, she is a superb cook, who can whip up anything from a recipe, and feels sorry for her friends who cannot cook pasta or muffins. So some of these theories, that fun can be had while learning life-skills, are true.
                                             * * *
To return to that mulcher. Amy had a chart showing two families on a similar income. When there is extra money, one family goes out to eat, goes out to a New Year’s Eve dance, etc. The other family buys “capital goods” –chain saw, mulchers, composters, sewing machines which they use to save or make money.
The life-style of the two families ends up being vastly different. Within a couple of decades, the family who invested in capital goods has foreign holidays, a second home, a swimming pool; the first family, who had more fun in the short run had been riddled with debt all their working life, and landed up with meagre savings after a life-time’s work. 
I saw that all the time when I lived in America, the life-style contrast between the grasshopper and the ant who earn the same income, more or less. And though the life style of the second family seems so dreary, they have more fun in the end. 
                                                  * * *
So I suppose wisdom is the mean between extremes. Our family loves travel, and has been to many countries together, and those experiences have been enriching and educational, have increased our confidence because we’ve had to function in unfamiliar situations and countries, and have taught us much about human nature. Have taught us much about history, culture, and art. Been a source of joy. But one thing I cannot deny: travel is expensive, especially as one gets older, and roughing it is less appealing. 
On the other hand, Roy and I hate waste, and for most of the year, try to find pleasure and joy and stimulation as low on the hog as we can–in walks, in nature, in gardening, in reading, in movies, and theatre and art galleries–and even in work!!  And “the plain living and high thinking” for most of the years pays for these educational explorations and adventures.
                                             * * * 
So what should one value more, time or money?   I think time is always more valuable than money (provided one is not in debt!)  However, there is also much satisfaction and pleasure in creative economy, I say as I watch the coriander, parsley, salad, beans and zucchini I am growing from seed flourish, and the veg peelings in my composter become dark, rich earth. 


Read my new memoir: Rosaries, Reading, Secrets: A Catholic Childhood in India (US) or UK.
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Comments

  1. Miss Mollie says

    May 12, 2012 at 1:13 am

    We're having bulk trash day tomorrow and I just wrote about a similar theme. I loved being home the times I was able, but money was always a concern. I had more time to hunt bargains for food, my sister-in-law would tell me where the deals were. I love your business idea and thought of the Proverbs 31 woman. She ran a business.
    Great post, I loved it.

  2. Lyli @ 3dLessons4Life says

    May 11, 2012 at 9:11 pm

    This exemplifies being a good steward in such a practical way!

  3. Anita Mathias says

    May 11, 2012 at 8:14 pm

    Mine retired in the summer of 2010, late forty-ish (courtesy of the business we ran on the side, inside of being frugal) and the garden we have is his project!!

  4. Donna K. Weaver says

    May 11, 2012 at 8:07 pm

    Have fun with the garden. My husband retired last fall, and he's working to have a garden this year.

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Oxford, England. Writer, memoirist, podcaster, blogger, Biblical meditation teacher, mum

Looking at photos from our week in beautiful Sevil Looking at photos from our week in beautiful Seville and Cordoba over New Year with Irene, who had a week off.
And, ICYMI, here’s my latest meditation on the Gospel of Matthew… I’ve recorded it, should you want a few minutes of peace.
https://anitamathias.com/2026/04/29/gods-complete-forgiveness/
Hello Friends, I'm resumed recording my meditation Hello Friends, I'm resumed recording my meditations on the Gospel of Matthew. Do click on this link to listen. 
https://anitamathias.com/.../29/gods-complete-forgiveness/
Christ is the most influential figure in the history of the world, though his life ended in shame, humiliation and failure. But he so completely turned things round in his great reversal that the cross on which he died when all seemed hopeless is now the most common, and revered, symbol in history.
He emerged from and was anchored in Judaism. And as the sins of the people were laid on the scapegoat who was sent into the wilderness to perish, Christ died as the lamb of God voluntarily bearing the guilt of the wrongdoing of the whole world. He paid the price for our forgiveness with his life-blood--in accordance with the iron law of the physical and moral universe, of sowing and reaping, cause and effect. 
And so, God, who appeared as flames of fire to Moses, can now dwell within us, purifying us, whose hearts have darkness and shards of ice. 
And now that Christ was crucified, died, but rose again, His Spirit, no longer contained within his earthly body, is poured out like living water onto all humans, at our humble request. The Spirit pours the love of God into us; he reminds us of the words of Jesus and slowly writes Christ’s sweet law on our hearts. This transfusion of grace helps us do hard things we previously couldn’t do. Our dance with the Spirit gradually breaks the power of sin over us. It transforms us.
Now we, the forgiven, protected by the blood of Jesus poured out over us, and filled with His Spirit, who sings within us, Abba, Father, are adopted by God as his children in his joyful new covenant. We are cells grafted into the vine of our new family--Father, Son, Spirit—who now live in us as we live in them. As we choose by our thoughts and actions to continue living in the vine of Jesus, their energy pulsing through us makes us fruitful. And now, all our prayers which flow in the river of God’s good purposes are kindly heard. Waves of love and power flood from the cross! 
Thank you!
Well, hello friends! Breaking radio silence to let Well, hello friends! Breaking radio silence to let you know that I have taped a meditation for you on Christ’s famous Parable of the Talents in Matthew 25. https://anitamathias.com/2025/11/05/using-gods-gift-of-our-talents-a-path-to-joy-and-abundance/
Here you are, click the play button in the blog post for a brief meditation, and some moments of peace, and, perhaps, inspiration in your day 🙂
Hi Friends, I have taped a meditation; do listen a Hi Friends, I have taped a meditation; do listen at this link: https://anitamathias.com/2025/04/08/the-kingdom-of-god-is-here-already-yet-not-yet-here-2/
It’s on the Kingdom of God, of which Christ so often spoke, which is here already—a mysterious, shimmering internal palace in which, in lightning flashes, we experience peace and joy, and yet, of course, not yet fully here. We sense the rainbowed presence of Christ in the song which pulses through creation. Christ strolls into our rooms with his wisdom and guidance, and things change. Our prayers are answered; we are healed; our hearts are strangely warmed. Sometimes.
And yet, we also experience evil within & all around us. Our own sin which can shatter our peace and the trajectory of our lives. And the sins of the world—its greed, dishonesty and environmental destruction.
But in this broken world, we still experience the glory of creation; “coincidences” which accelerate once we start praying, and shalom which envelops us like sudden sunshine. The portals into this Kingdom include repentance, gratitude, meditative breathing, and absolute surrender.
The Kingdom of God is here already. We can experience its beauty, peace and joy today through the presence of the Holy Spirit. But yet, since, in the Apostle Paul’s words, we do not struggle only “against flesh and blood, but against the rulers, against the unseen powers of this dark world and against the spiritual forces of evil,” its fullness still lingers…
Our daughter Zoe was ordained into the Church of E Our daughter Zoe was ordained into the Church of England in June. I have been on a social media break… but … better late than never. Enjoy!
First picture has my sister, Shalini, who kindly flew in from the US. Our lovely cousins Anthony and Sarah flank Zoe in the next picture.
The Bishop of London, Sarah Mullaly, ordained Zoe. You can see her praying that Zoe will be filled with the Holy Spirit!!
And here’s a meditation I’ve recorded, which you might enjoy. The link is also in my profile
https://anitamathias.com/2024/11/07/all-those-who-exalt-themselves-will-be-humbled-the-humble-will-be-exalted/
I have taped a meditation on Jesus statement in Ma I have taped a meditation on Jesus statement in Matthew 23, “For those who exalt themselves will be humbled, and those who humble themselves will be exalted.”
Do listen here. https://anitamathias.com/2024/11/07/all-those-who-exalt-themselves-will-be-humbled-the-humble-will-be-exalted/
Link also in bio.
And so, Jesus states a law of life. Those who broadcast their amazingness will be humbled, since God dislikes—scorns that, as much as people do.  For to trumpet our success, wealth, brilliance, giftedness or popularity is to get distracted from our life’s purpose into worthless activity. Those who love power, who are sure they know best, and who must be the best, will eventually be humbled by God and life. For their focus has shifted from loving God, doing good work, and being a blessing to their family, friends, and the world towards impressing others, being enviable, perhaps famous. These things are houses built on sand, which will crumble when hammered by the waves of old age, infirmity or adversity. 
God resists the proud, Scripture tells us—those who crave the admiration and power which is His alone. So how do we resist pride? We slow down, so that we realise (and repent) when sheer pride sparks our allergies to people, our enmities, our determination to have our own way, or our grandiose ego-driven goals, and ambitions. Once we stop chasing limelight, a great quietness steals over our lives. We no longer need the drug of continual achievement, or to share images of glittering travel, parties, prizes or friends. We just enjoy them quietly. My life is for itself & not for a spectacle, Emerson wrote. And, as Jesus advises, we quit sharp-elbowing ourselves to sit with the shiniest people, but are content to hang out with ordinary people; and then, as Jesus said, we will inevitably, eventually, be summoned higher to the sparkling conversation we craved. 
One day, every knee will bow before the gentle lamb who was slain, now seated on the throne. We will all be silent before him. Let us live gently then, our eyes on Christ, continually asking for his power, his Spirit, and his direction, moving, dancing, in the direction that we sense him move.
Link to new podcast in Bio https://anitamathias.co Link to new podcast in Bio https://anitamathias.com/2024/02/20/how-jesus-dealt-with-hostility-and-enemies/
3 days before his death, Jesus rampages through the commercialised temple, overturning the tables of moneychangers. Who gave you the authority to do these things? his outraged adversaries ask. And Jesus shows us how to answer hostile questions. Slow down. Breathe. Quick arrow prayers!
Your enemies have no power over your life that your Father has not permitted them. Ask your Father for wisdom, remembering: Questions do not need to be answered. Are these questioners worthy of the treasures of your heart? Or would that be feeding pearls to hungry pigs, who might instead devour you?
Questions can contain pitfalls, traps, nooses. Jesus directly answered just three of the 183 questions he was asked, refusing to answer some; answering others with a good question.
But how do we get the inner calm and wisdom to recognise
and sidestep entrapping questions? Long before the day of
testing, practice slow, easy breathing, and tune in to the frequency of the Father. There’s no record of Jesus running, rushing, getting stressed, or lacking peace. He never spoke on his own, he told us, without checking in with the Father. So, no foolish, ill-judged statements. Breathing in the wisdom of the Father beside and within him, he, unintimidated, traps the trappers.
Wisdom begins with training ourselves to slow down and ask
the Father for guidance. Then our calm minds, made perceptive, will help us recognise danger and trick questions, even those coated in flattery, and sidestep them or refuse to answer.
We practice tuning in to heavenly wisdom by practising–asking God questions, and then listening for his answers about the best way to do simple things…organise a home or write. Then, we build upwards, asking for wisdom in more complex things.
Listening for the voice of God before we speak, and asking for a filling of the Spirit, which Jesus calls streams of living water within us, will give us wisdom to know what to say, which, frequently, is nothing at all. It will quieten us with the silence of God, which sings through the world, through sun and stars, sky and flowers.
Especially for @ samheckt Some very imperfect pi Especially for @ samheckt 
Some very imperfect pictures of my labradoodle Merry, and golden retriever Pippi.
And since, I’m on social media, if you are the meditating type, here’s a scriptural meditation on not being afraid, while being prudent. https://anitamathias.com/2024/01/03/do-not-be-afraid-but-do-be-prudent/
A new podcast. Link in bio https://anitamathias.c A new podcast. Link in bio
https://anitamathias.com/2024/01/03/do-not-be-afraid-but-do-be-prudent/
Do Not Be Afraid, but Do Be Prudent
“Do not be afraid,” a dream-angel tells Joseph, to marry Mary, who’s pregnant, though a virgin, for in our magical, God-invaded world, the Spirit has placed God in her. Call the baby Jesus, or The Lord saves, for he will drag people free from the chokehold of their sins.
And Joseph is not afraid. And the angel was right, for a star rose, signalling a new King of the Jews. Astrologers followed it, threatening King Herod, whose chief priests recounted Micah’s 600-year-old prophecy: the Messiah would be born in Bethlehem, as Jesus had just been, while his parents from Nazareth registered for Augustus Caesar’s census of the entire Roman world. 
The Magi worshipped the baby, offering gold. And shepherds came, told by an angel of joy: that the Messiah, a saviour from all that oppresses, had just been born.
Then, suddenly, the dream-angel warned: Flee with the child to Egypt. For Herod plans to kill this baby, forever-King.
Do not be afraid, but still flee? Become a refugee? But lightning-bolt coincidences verified the angel’s first words: The magi with gold for the flight. Shepherds
telling of angels singing of coming inner peace. Joseph flees.
What’s the difference between fear and prudence? Fear is being frozen or panicked by imaginary what-ifs. It tenses our bodies; strains health, sleep and relationships; makes us stingy with ourselves & others; leads to overwork, & time wasted doing pointless things for fear of people’s opinions.
Prudence is wisdom-using our experience & spiritual discernment as we battle the demonic forces of this dark world, in Paul’s phrase.It’s fighting with divinely powerful weapons: truth, righteousness, faith, Scripture & prayer, while surrendering our thoughts to Christ. 
So let’s act prudently, wisely & bravely, silencing fear, while remaining alert to God’s guidance, delivered through inner peace or intuitions of danger and wrongness, our spiritual senses tuned to the Spirit’s “No,” his “Slow,” his “Go,” as cautious as a serpent, protected, while being as gentle as a lamb among wolves.
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