This month’s topic for the PF Bloggers Network Group Writing Project is “Rich People Gone Broke.” Our chosen subject for this project is Wolfgang Mozart, one of the greatest composers that ever lived. While a genius in everything musical, he was less lucky when it came to money management.

Prodigy and Breadwinner

Mozart first went to work at the age of five. As a child prodigy, he traveled extensively and made a living as performer, composer, conductor and curiosity. These travels were documented by his family’s letters to their friends in Salzburg.

At first Leopold proudly related the enormous sums of money earned by his children, especially Wolfgang, and described the generous (resalable) gifts they received from kings and princes. Then he got wise and began to conceal their earnings, claiming that they made virtually no profit after expenses. This later strategy made it hard for us to know the exact amount of Wolfgang’s earnings, but it was surely a fortune. In addition to cash, the gifts accumulated on these journeys were mostly made of gold and were described by a friend to resemble a church treasury.

Until age 23, Wolfgang Mozart increased his family’s wealth on journeys in Austria, England, Italy, Paris, and other places where he was often received by royalty and nobility. If they did not collect enough gifts at one location, Leopold sold tickets to the public to hear his children perform—anything to make a buck . . or a florin. But this venue lost him some patronage because the upper class didn’t want anything the commoners had.

Although Leopold successfully concealed the earning of his children, it is clear that Wolfgang Mozart was the primary breadwinner of his family, and as such was jealously guarded from theft. His trips were always chaperoned by one or both parents, his father constantly warned him about the deceitful and ensnaring nature of women, and his mother whisked him off to Paris (at the orders of his father) to save him from a girl he desperately wanted to marry.

Rebellion and High Living

“I could not go about Vienna looking like a tramp, particularly just at this time. My linen was pitiable; no servant here has shirts of such coarse stuff as mine, — and that certainly is a frightful thing for a man. Consequently there were again expenditures.” - Vienna, September 5, 1781, in a letter to his father

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Madoline and I lived in Los Angeles (in the San Fernando Valley) for a year and a half, during which time we went through a shopaholic phase followed by a phase of extreme frugality (described in Our Family Financial History). When we decided to be frugal, I learned a lot about free and low cost activities in the area. Here we will share some suggestions for free and frugal things to do in the Los Angeles area. Note that I have not been to all the places listed here, but many are things I remember hearing or reading about while living there there and others have been gathered from online sources.

All activities listed below are FREE of admission charges unless otherwise noted (some activities are free on particular days or at particular times of day). Those that are not free cost $5 or less per person. Parking fees are noted whenever possible. Depending on the distance and number of persons in your group, public transit may or may not be less expensive. Check out an earlier post I wrote on How to Save Gas and Time by Using Google Maps, which includes tips on looking up public transportation directions and fares.

General & Sight-Seeing

The Grove Fountain Photo credit: r3m3dy

Our favorite frugal activity was walking malls and pretty places to both sight-see and get some exercise. Here are some of our favorite places to walk. Note that even though these include shopping centers, you do not need to shop in order to enjoy the scenery and atmosphere!

• Santa Monica 3rd Street Promenade

  Grab a drink or ice cream cone and just enjoy the scenery and street performers. Check out Santa Monica Pier while you’re there. You don’t have to spend money on the rides, just enjoy the scenery, have a look at the famous carousel built in 1916.

  More information: Santa Monica 3rd Street Promenade

• The Grove

  A very pretty outdoor mall with cute buildings and a park-like setting with fountains and outdoor seating. Includes free events such as Movies in the Park, Girls Night Out, Music in the Park, etc.

  More information: The Grove

• Farmers Market

  

  The Farmers Market isn’t only a place to shop for groceries, but they host free events all year round including a Summer Music Series; Family Fun with music, arts & crafts; Fall Festival with marching band, petting zoo, pig races, etc.; Holiday Festivities including music, Menorah lighting, caroling and a toy soldier band; Mardi Gras with Cajun bands, mask making, etc.; and the Gilmore Heritage Auto Show featuring more than 100 vintage and classic cars. (Photo credit: andy castro)

  More information: Farmers Market Events

• Downtown Burbank

  “Come Out and Dance” with live bands with free dance lessons, fine arts festivals, Halloween trick-or-treat, Holiday Cheer and more in Downtown Burbank.

  More information: Events in Downtown Burbank

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Apologies for not posting anything of substance yesterday or today, but due to feeling a little under the weather these few days, I thought I would post a summary of recommended reading for those of you who are new to this blog, and a few news items from the personal finance blogosphere.

From Our Fourpence Worth

• Father’s Day
  If you’re still looking for a Father’s Day present, many of our ideas from Frugal but Thoughtful Mother’s Day Gift Suggestions could also apply to fathers and father-figures in your life.
• Tax Rebate
  If you are truly interested in helping the US economy, check out Don’t Spend that Tax Rebate Just Yet for a few suggestions on how to and how not to spend your tax rebate based on an article by Liz Pulliam Weston of MSN Money.
• Motivating Children to Practice Music
  Take advantage of summer vacation to help your kids get ahead on their music practice and get the most out of your music lesson fees with some advice by Madoline, who majored in music and has had experience in teaching children’s piano lessons.
  • Motivating Children to Practice Music: Introduction
  • Part 2: Playing the Piano is a Privilege (Not a Chore)
  • Part 3: Playing Slower for Faster Results
  • Part 4: Divide and Conquer

  (If you like the image to the right, which is an original illustration by my sister Madoline, check out our CafePress store Mozartini for gifts and collectibles featuring this image and other artwork by the same hand.)

• Editor’s Picks
  We’re starting to get the hang of blogging (which was completely new to us when we started this blog in February), and have produced a few Editor’s Picks in recent blog carnivals:
  • The Frugal Literate’s Guide to Affordable Reading
  • Frugal but Thoughtful Mother’s Day Gift Suggestions
  • My Favorite Money and Time Saving Websites
  • Guide to Safe and Smart Traveling with Pets
  • Lottery Tickets: Worthy Investment or Waste of Money?
  • Simple Solutions to Staying Out of Debt

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For the lucky few who have extra leisure time this summer, I thought I’d put together some suggestions for productive and fun activities that will help enhance your personal, academic and/or professional life. Some of these suggestions are addressed as if to young people (students, adolescents, etc.) but can also apply to grown-ups.

My suggestions are divided into the following subsections:

• Summer Hobbies - activities with lasting benefits and meaning
  
• Summer Studies - develop skills that will be useful in life
  
• Summer To-Do’s - a few ways to get your life or home in order
  
• Summer Fitness - ways to keep cool and stay fit
  
• Summer Pet Bonding - make your pet happy and you healthy

Summer Hobbies

Here are some ideas for catching up on tasks that may have been neglected during the year.

• Write in your journal
  Write about your past year, what’s on your mind, who and what you like and dislike, your daydreams, anything. In future years you will be glad you did it and also amused by your younger self. You think you will always remember what happened when, but as time goes by, memories do fade and become forgotten. (Trust me, I’m speaking from experience and I’m not yet 30 and have a memory better than most.)
• Make a family video
  Go around the house and take a video of your family going about its regular business. You will be glad for the memories one day.
• Scrapbook
  Organize family photos, report cards, birthday cards, artwork, concert programs and other keepsakes from the past year into a scrapbook.
• Reading
  Reading (even fun fiction) can help improve your mind, vocabulary, grammar and writing skills. If you go to the library, you can read in an air-conditioned environment without having to pay for the air-conditioning or the books.

Summer Studies

Yes, summer should be fun, but there’s no reason it can’t be both fun and productive.

• Learn a new language
  The benefits of learning languages are endless. Learning a new language can help you to:
  • Get ahead in your career
  • Make new friends from different parts of the world. When you show an interest in someone’s language or culture, they are often appreciative and take an interest in you in return.
  • Improve your English (or first language)
• Learn to play a musical instrument
  Music enhances the mind in many ways. Studies have shown that children who study music at an early age do better in school than those who don’t. Aside from that, it is also just plain fun.
• Learn to sew
  Sewing is a very useful skill to have regardless of your gender. You can learn to mend clothes, make your own clothes and other things for your house, which can save you a lot of money. Older and more skilled children can even make their own clothes for the coming school year. Check out one of our earlier articles for more info: Save Money by Sewing Your Own Clothes.
• Take a computer class
  Learn to type properly, use a spreadsheet or database, design websites, make presentations, etc. Most jobs these days involve computer use, so knowing as much as you can about computers might help you get a higher salary.

Summer To-Do’s

A few suggestions for improving life at home and getting ahead on the coming year.

• Get a head start on your Christmas shopping
  This could save you time and money because you can shop at your leisure and take advantage of summer sales. Leaving your shopping to the last minute usually costs more because you are up against a deadline and usually have fewer options.
• Sort through your stuff
  Go through your clothes and things and prune out those you no longer want or need. You could donate the things you no longer need or hold a garage or yard sale and make some money to put into your college or retirement savings.
• Re-arrange your room or home
  Re-arranging your room or home can have a positive impact on your life. A change can be uplifting and produce an overall feeling of well-being and accomplishment, renew your energy and increase productivity.
• Clean out your computer
  Ideally you would do this several times a year, but if you use the internet and download a lot of things, it’s a good idea to clean out your computer on a regular basis. If there are programs you don’t use, uninstall them. If there are files that you no longer need, delete them. Clean your registry if you’ve had the computer for a while. Keeping your hard drive from getting too full will extend its life.

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While gifts are a great way to show that you care, an important thing to keep in mind is that most mothers and grandmothers would probably prefer to spend quality time with their families on Mother’s Day rather than receive a fancy and expensive gift. The most frugal and meaningful gift would therefore be a family get-together: watching movies at her house, a backyard barbecue, playing games, a picnic at the park or going to the zoo with her children and grandchildren. If you do have such as family outing, make sure someone takes lots of pictures and provides her with an album or photo CD of the day. This is, of course, unless your mother lives with you and your kids and what she would like most of all would be an entire day of peace and quiet to herself at home.

As for actual gifts, we believe most mothers would appreciate something you made or put some thought and effort into. Below are some suggestions for Mother’s Day gifts. Ideally, you would do some of these things all year round, but Mother’s Day is a good time for them too. Not all of these ideas will suit everyone, but hopefully some of these will work for you and your mother, grandmother, great-grandmother, wife, or any other maternal figure in your life.

Note: Not all of these suggestions are really “frugal” as in “cheap”, but they are frugal in that they are ideas for prudent, useful and practical, but still meaningful gifts that show you’ve put thought and effort into it and, therefore less likely to go to waste as many commercial Mother’s Day gifts tend to.

Hobby Gift Baskets

A few suggestions for baskets you can assemble. You can often find nice baskets at dollar stores or at thrift stores for a very low price. Many of the items recommended in the following list (i.e. books and music) can be purchase used and still in good condition. Used items often clean up nicely with a bit of rubbing alcohol and a paper towel. And even purchased new, these items still make useful gifts with lasting benefits.

• For the Literary Mom
  If she likes to read, scour used books stores and library sales for books she would like (mysteries, vintage books, classics, etc. - paperbacks suggested) and assemble a book basket. You could even include a few snacks to enjoy while she reads (cookies, chocolates, cocoa, tea or coffee mix).
• For the Crafty Mom
  A basket of yarns, fabrics, sewing, knitting or crochet supplies. You could pick out a craft instructions book, find a project she might like and assemble the necessary supplies for that project.
• For the Musical Mom
  CD’s, sheet music, and music books. You might pick a particular theme such as Mozart, Beethoven, Debussy, romantic piano, or Italian opera or music from her youth. For older moms, you might have to include a CD player. For pianist moms make or buy a cushion for the piano bench (the unpadded ones are incredibly hard even for young bodies).
• For Moms with Pets
  Assemble inside a new litter box or pet bed: treats and necessities such as grooming supplies, pet vitamins, hair catching tools, odor control, collars and leashes, training equipment, hair bows, super odor suppressing cat litter, car restraints (seat belts), and/or an obedience class paid for by you.
• For the Gardening Mom
  An assortment of seed packets with flowers, spices, fruits, and vegetables. The frugal mom may save a lot of money growing her own produce. For areas with insect problems, herbs such as lavender may deter bugs from the home. You can also include a book on using herbs for health and beauty and include seeds for the plants described.
• For Culinary Moms
  Collect free recipes online to present on index cards or a handmade book. You might choose recipes based on a theme, such as appetizers, a certain ethnicity, a favorite ingredient, or health benefits. You might wish to include few kitchen gifts like a baking pans, knives, silverware bought on clearance (we got ours for under $5), cheese graters, rolling pins, seeds for herbs or young herb plants. Instead of a basket, you could give a blender filled with fruits and smoothie recipes.
• For the Scrapbooking Mom
  Scrapbook supplies and the promise to provide future memories for her to document. Look for creative scrapbook materials such as pretty paper salvages from greeting cards, gift wrapping paper, and nice packaging from things you buy. Ribbon, beads, lace, small toys, letters of the alphabet cut from magazines, cards, and used books. Doilies and decorative embellishments can be purchased at half price or less after a holiday. Glue and scissors might be useful too.

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I’ve seen several threads on forums where individuals in debt have posted a general plea for help in reducing their debt and most people simply respond by telling them to cut spending. But how to cut spending and decide what to cut and what not to cut? This is where you have to discern luxuries from necessities.

A necessity is an item/service that you simply cannot do without in your everyday life and that is vital to your survival and situation.

A luxury is anything that is not a necessity.

A few examples of necessities (or necessary expenditures) would be:

• Food
• Rent/mortgage
• Auto insurance
• Home insurance
• Health insurance
• Gas
• Auto Maintenance
• Utilities: electricity, gas and phone

Of course these are not the only necessities in the world, and it’s different for everyone, but when you really think about it, true necessities are actually quite few in number, and many things that you think you need are in fact not that necessary.

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