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Miscellany | aging, early-onset frugality, and a podcast interview

I’m on The Finance Girlies podcast today!

I met Cassidy and Emily at Fincon, and we hit it off right away. They run a podcast together called The Finance Girlies, and they asked if I would be a guest.

Finance Girlies.

I always feel like I’m a little better at communicating by typing than talking (You can edit what you type! You never have to type, “um” while you are thinking!) but we had a fun conversation talking about grocery budgeting, Christmas spending, and more.

Click here to listen to the episode.

And here’s where you can subscribe to their Substack newsletter (there is a free option!)

What’s one of your earliest frugal memories?

In the interview with the Finance Girlies, they asked me how I started to be frugal, and I said I think maybe I was born this way.

As a kid, I remember attaching the last bit of a bar of soap to the new one, even though I wasn’t buying the soap!

soap bar.

I still do this!

I sent away for free cross-stitch patterns using little postcard offers from magazines.

And I remember one time I sent away for a free ceramic tart dish with roses on it; I felt especially triumphant about that one.  

I’m curious if you guys have similar stories of early-onset frugality. 😉 

A hospital staff thank-you gift idea

Sometimes, the families of patients bring in a thank-you gift for the staff (flowers, a cake, etc.) but I wanted to tell you about my favorite one so far: a large square basket filled to the brim with individual packets of snacks: granola bars, nuts, cookies, fig newtons, and so on.

I loved this because it was so easy to walk by, grab a packet, and stash it in a pocket for a snack (to be eaten when you get a spare minute).

snacks.

Donuts, cookies, or cakes are nice too, but they are not as portable!

Another benefit of the individual packets: they’re great for sanitary purposes in a hospital; even the most germophobic staff members are happy to grab a packet of nuts or crackers.

If you shopped at a warehouse club, I bet that the big basket of snacks is actually cheaper than some things people bring in, such as a big box of Crumbl cookies. 

I hope that you and your loved ones don’t have to visit a hospital! But if you do, and you want to bring in a thank-you gift, I give the snack basket a 10/10 rating. 🙂 

Do you wonder if you will be the only one?

Back when breast augmentation surgery was becoming extremely popular (late 1990s/early 2000s), I started to wonder if I would one day be one of the only people on the planet without one. 

That has not turned out to be the case. Actually, there are quite a few people who are getting theirs taken out and are embracing their natural shape/size. 

Kristen standing next to an ironing board.

Guess who was never destined to be curvy? THIS GIRL! (1996 Kristen)

Lately, though, I have noticed that social media is making me wonder if I am going to be one of the only people on the planet without Botox or fillers.

I mean, even people in their 20s are getting Botox as a preventative. My children are the target market for that!

Kristen looking stressed, wearing a blue shirt.

And I realized this is the same feeling I had back when I was a young adult.

I know that getting a breast augmentation and getting Botox/fillers are both morally neutral things. But, I think what bothers me are the underlying expectations that drive these industries.

There’s this idea that we are all supposed to look a certain way; that we all need to be curvy above and below, but with a tiny waist, and that we need to avoid aging at all costs.

Kristen in black scrubs.

I’m not placing blame on individual women for this; sadly, it is true that women are treated more poorly if they show signs of age. I can’t fault people for playing the game. 

(Paulina Porizkova, a 61-year old model, talks about this a lot, even though she is someone who is still so beautiful. She says when you age, you get relinquished to the Invisible Woman category.)

paulina poriszkova

Happily, I do see lots of pushback on the pressure to dye our gray hairs; there’s a whole crop of gray hair influencers on Instagram, in fact! 

So maybe one day we will learn to accept our wrinkles as well. Perhaps we will even have wrinkle influencers. 😉 

For the record: Even though I do wholeheartedly embrace the idea of aging being natural and good, and even though I dislike the cultural pressure that’s put on us….this aging stuff is still sometimes a little bit hard for me.

I do not love my gray hairs.

Kristen with gray hair.

I do not love it when I see crepey skin on my neck in photos.

I do sometimes feel nervous about the fine lines that are forming on my face, and I wonder what my face will look like in 10 or 20 years.

But I’m trying to at least make peace with all of those things and remind myself:

  • Aging is a privilege
  • Youthful does not equal more valuable
  • My appearance is one of the least important things about me 
  • My heart, the essence of who I am, will still be the same, no matter what I look like

Annnnd I also remind myself that I am saving piles of money by letting my face and hair do their thing. 

Ok! As always, any miscellany topic is up for discussion: early-onset frugality, healthcare worker gifts, and aging interventions!

P.S. If you do get Botox or fillers or you dye your gray hair: it is perfectly ok. I’m not trying to make you wrong for it, and you don’t need to justify it to anyone, including me.

P.P.S. I realize that I am not even 50 yet, so my worries about aging probably sound very silly to those of you who are in your 60s or 70s. But they are still true, and maybe someone who is my age needs to know that I also feel a little uncomfortable with my gray hairs. 🙂 

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Lulutoo

Friday 28th of November 2025

I've seen a few pictures of (actress) Julie Kavner lately and I was thrilled to see she is not Botoxed/plastic surgeried! You go, Julie!

Kim from Philadelphia

Monday 24th of November 2025

Kristen, Iโ€™ll add that when I see these very early pictures of you, I canโ€™t help but think you are reverse aging! You seem so much younger now, if that makes sense

Annie

Sunday 23rd of November 2025

Aging is such a personal thing! Iโ€™ve been looking forward to getting my grays, thinking theyโ€™ll be nice highlights (Iโ€™m 51) but they arenโ€™t rushing in, so I finally decided to just pay for highlights and I love them :) Iโ€™ll be happy to see the grays take over, though.

Being less busty is an advantage in aging, I think. Bras can still be optional, or at least very comfortable, in my 50s.

However, I am currently saving up for some laser treatment of acne scars, and might inquire about something very subtle to do about my oddly wrinkly lips (esp for a non smoker). I am not much of a makeup person, and would love to just go without entirely, but the times when Iโ€™m more self conscious about those things, I do wear makeup. I crave the simplicity of a bare face that looks a little less banged up.

Shelly

Friday 21st of November 2025

I'm late to this party, but I am 100% on the no botox train. I am so, so thankful that the women around me when I was growing up never complained about aging or felt the need to look younger.

My aunt passed before I was born (at 29) and a childhood friend passed last year. Whenever I notice a new wrinkle or grey hair I remind myself that they will never be this age. Aging really is a privilege.

I am thankful my growing up years weren't during the cell phone era. There's very little proof of me acting a fool. And whatever pictures might have been taken weren't scrutinized a million times on scene-they were developed from film months after the fact. I see my nieces have so much pressure to look perfect all the time and really want to be an example for them.

Madeline

Friday 21st of November 2025

Lot of food for thought here today! AGEING: :I am 72. Iโ€™ve had nice skin, not many wrinkles till the last couple of years when the undereye area is getting baggy/saggy.Since I went so long WITHOUT much facial wrinkles or changes,it is particularly annoying! But it is what it is.I moisturize. I use a retinol lotion nightly.That is the extent of my skin care regimen!No botox, no fillers,no surgery for me.

I am privileged to be in my 70โ€™s..the women in my family died in their 60โ€™s.So, I am choosing to just travel this path with gratitude and grace ..and a little lipstick!!

Yes, we DO become โ€œinvisibleโ€ at this age.. it is stunning.I get ignored in grocery stores, in retail shops, at gas stations, you name it. And I am not a frump! But, I am an elder,with white hair.So it goes. Overall,I have better things to think aboutโ€ฆ

Frugality: When we moved to Iowa with a 7 year old,for my husband to begin grad school, living on student loans,I had a STRICT STRICT budget and learned how to cook frugally with a couple of good cookbooks, and I made do with some basic jeans and shirts for a few years. I kept a menu plan, a list, and did not veer from it.Desserts were a treat(homemade) and planned around sale items.It was a fun thing,for me, back then, and my frugal habits helped us retire early!! While there,I went to a community college (yes another student loan but the whole AA/RN cost me $3000 for a 2 year program.. ) and that was frugal, as it added to our familyโ€™s income AND MY SELF ESTEEM for many years โ€ฆ

INVEST IN EDUCATION โ€”if you have a viable career path from said education!!

Happy Thanksgiving..to you and all the readers here!

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