We cut our housing cost 1200% !

I know unbelievable!

We didn’t believe it either. We checked the numbers and it’s true.

After deciding to sell our home of almost 20 years in 2014 it finally sold in May of 2015 and in an instant we were mortgage free for life! We chose to never have a mortgage again. So we decided to build a new much smaller home for cash.

Image processed by CodeCarvings Piczard ### FREE Community Edition ### on 2014-08-29 15:59:36Z | http://piczard.com | http://codecarvings.com
Image processed by CodeCarvings Piczard ### FREE Community Edition ### on 2014-08-29 15:59:36Z | http://piczard.com | http://codecarvings.com

Building a home one 5th the size of our former home has some other benefits as well.

One we decided to move to the other side of the state from where we were. The climate is much different here. We don’t need air conditioning because this climate is much milder in the summer. It is also much milder in the winter which means less heating as well. So our utilities are a fraction of what we used to pay. As a bonus, we will be heating with wood, driftwood to be precise that we collect from the beach just down the path.

Currently we pay about one 10th of the utilities we were paying before because of the size of the house and the cold winters we had. Our property taxes are only a 4th of what we used to pay and the cost of insurance is one-third.

We are really enjoying our new lifestyle and the extremely low new cost of living that comes with it. As a result, we work less and have much more free time to explore our new beach community. As a side note we drive a lot less and our fuel cost and vehicles maintenance are greatly reduced. We even get a lower rate on our car insurance from where we used to live.

Our new home is much closer proximity to shopping than before so we save time and money usually going twice a month to Costco and Cash n Carry. They are much less expensive for groceries than regular retail grocery stores.

As we go along we continue to find more ways to cut cost like discontinuing our cable T.V. in favor of Netflix $70.00 savings peer month. Another thing is we cut our entertainment cost way back. We eat out less and have only been to a movie theater twice ($50 a pop ) in a year and a half.

We spent more time outside.

Instead of going to the mall (we don’t have one near us) We walk one the beach and hike the park trails. We did invest in some fishing and clamming licenses they give us double benefits. One we get more exercise walking out to the beach. Two we get to eat fresh fish and shellfish (clams and crabs) and freeze the extras for later.


Our house is so small we don’t have room to just buy things so retail therapy is a thing of the past.

Our food waste is way down. We used to have a 25 cubic foot refrigerator/freezer. Food would get lost in it and spoil only to be thrown out. Now our much smaller unit only holds a fraction as much so we tend to buy less and eat more efficiently.

All in all we are really enjoying our new life of less.

Less cost.

Less waste.

Less upkeep.
What areas in your life have you been able to reduce?

Rat race refugees. What happened after we quit our jobs and retired early.


Its been 6 years since we left the 9 to 5 rat race. It seems like a lifetime ago. But I remember what it was like when we first decided to stop the insanity.

NO more commute. It felt strange to get up and not have to leave the house each morning. Our fuel bill went way down. It was quiet and calm each morning at home.

No alarm clock jolting us out of bed and dragging myself to the shower to get me going.

I felt like I was doing something wrong. For so many years I had to go to work. I wondered if I was making a mistake or felt guilty not going to work each day.

I think it took about two years to decompress from the daily grind. I slept a lot. I didn’t realize how sleep deprived I was until I didn’t have to get up everyday.

I had a lot of anxiety. It did not feel right getting to stay home. I wondered if the bubble would burst and I would have to go back to the grind. I felt guilty if I pursued my interest and hobbies like I should be doing more productive things with my time. I think it was kind of a ptsd.

I had to retrain myself to relax and enjoy life without work. It was a blessing to get out at 48 years old. My goal was 50. About two years in I finally got that this was real and it was okay to get up and do whatever I wanted to including doing nothing.

I have been living in an R.V. by the beach now for over a year. We are slowly developing a new lot a five minute walk to the beach and building a small home (576 square feet) debt free.

So what the heck do we do for money?!

Well it is a combination of online income from blogging, DIY products we sell on our other sites, ad revenue, affiliate commissions and coaching/consulting others.

Our cost of living is greatly diminished and dropping more and more. We have no car payments, credit cards or mortgage. Our current expenses are about 2k per month. That will drop by 45% in the next 18 months.

We stay very busy. I don’t know how I had time to work ๐Ÿ˜‰ We are very busyย and the days fly by with our projects around the property and online ventures.

We live in paradise. We moved to the coast where the climate is Mediterranean Oceanic. It is a mild climate here cool summers don’t need an air conditioner and warmer winters. More like fall all winter with a few dips to the freezing point. You can listen to the sounds of the surf from the patio and out the window.


The area is a vacation hotspot during the summer with lots of events and fun things to do. The is an outdoor lovers dream. Right out our front door is hiking, biking, camping, hunting, fishing, boating and more.images-17

We really are blessed to live here and be able to have the free time to enjoy it. The whole dream came true when we decided to get out of the rat race.images-18

Stop! You came here looking for something.I think you found it. ;)

Hey you just found what your looking for. Tiny houses,Right? No house payments.No mortgage. Cozy simple living, minimalism. Debt freedom,A way out of the rat race.Me to.Thats why I created this blog,To show you a way to get there. We did it! It works,Really ๐Ÿ˜‰
IMG_1043Now were financially independent and building a small (576 square foot) cozy house by the pacific ocean.We found a nice 3/4 acre or so lot a 5 min walk down a private path to the beach.


You probably think it was expensive but you’d be wrong ๐Ÿ˜‰ lots around here start at around $8k.We paid more for ours but we wanted specific things.We can walk to town or ride a bike.


We have privacy.A secret garden in effect.Well water was important as was a gravity septic.The big desire was private beach access.We are close enough to hear the surf in the yard or out the window at night.Enough space to create a food garden landscape on a lot about the size of a football field. This is an area that is quiet,safe and has a great climate year around.

Another great thing is the area is a vacation getaway
. There is always something to do. Events, festivals farmers markets and lots of outdoor activities.

We have been here over a year now and really like it.There is lots to do Finnish the house,get the garden going,landscape the yard and enjoy the process.Getting up every day and getting to do what you are passionate about is a blessing.Some time I go for a walk on the beach or go fishing.Then I work on the house and in the yard.
I usually make myself a cup of coffee first thing then let Rocky our chihuahua out while I check the hen house for eggs.I’ll come back in the R.V. for breakfast.images-14

After that we decide what to do for the day.Well thats all for now I am installing plumbing in the house today so I better get at it ;).

Welcome to the new site. Live the life you want to live.

beach cottage

Well I finally did it! I pulled the blog out of the free WordPress site and it is now a free standing blog!

I started this blog in 2010 to talk about tiny houses. A lot has happened in the last 6 years.

First off my wife and I have quit our jobs and become financially independent in our 40’s. We also sold our 3000 square foot house of 20 years and moved to the other side of the state to live on the beach. We downsized to a 300 square foot RV for the last year.

We are currently building a house the size of a two car garage.

We are mortgage free!

But enough about us.

I want to talk about you.

I created this blog for you.

This blog is to help you get where you want to be. Debt free and able to live the life you want to live. I will help you get there.

This blog is about debt freedom and financial freedom. Down sizing and living within your means. I will talk about how to get there. What to do to make the income to get there, how to save money and if you want to get there fast then extreme measures to make it happen fast. This is all about freedom and choice.

So I pulled this blog out so I can have the tools to help you get there fast.

I’m excited to be with you on this journey. I can’t wait to see your results .

What will you do when you are free to do what ever you want?

Let me know in the comments and be sure to subscribe so we can stay in touch.


Live below your means.


This pretty much sums it up. If you live like your broke you can and will become rich. If you make material acquisition /wealth your aim your life will only be funded by debt. If you stop spending now you will be able to have whatever you want later.