How to double your money overnight.

If you want to beat the system you have to play hardball. Our culture is one of consumption and material acquisition. We consume faster than we earn. Things are not making us happy. Things are causing us to constantly be in debt. Debt is making us miserable. Yet we continue to spend and live a life of debt and misery. The solution is simple. Saving not spending. Here is the rub. Making that your habit. Just as spending is a habit, one that is hard to break so is saving. One that takes an effort to start.

So let me give you some incentive. Would you like to double your money? Well here it is…for every dollar you stop spending on things and save you have saved two. So if you cut your expenses by $100. Cable bill for instance and put that $100 in savings you are $200 ahead. The $100 you are no longer spending and the $100 you are now saving.

Now that is some great incentive to change a habit in my opinion. How much money can you effectively save and double in your daily, weekly or monthly finances starting today? Saving is powerful. Saving is a way to get ahead in this system. If you stop spending  $4 a day 5 days a week on coffee for instance and save it instead you have not spent $20 and $20 saved you have $40 savings opportunity. That’s $160 a month and $2080. a year! In twenty years you have saved over $40k. Now that is not even counting investing and earning interest or dividends.

If you invest that same money you could easily double that money again! This is how people get wealthy. If you apply this principle to a payment that bears interest your savings is even bigger and more profound. A credit card balance is calculated to be paid back over 15 years. You will more than double your money if you pay that off and stop carrying a balance.

So you see just how easily spending or saving can exponentially swing your financial future from a life of debt and misery to one of freedom and choice.

Spend wisely my friends.

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 😉 We are very busy 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

Morning in the micro house.

I woke up early to the birds singing in the tree outside the big picture window.I came down out of the loft and stoked the fire in my little wood stove and set a pot of coffee on it to boil .

Rubbing my eyes to adjust to the light of the window I sat down to watch the yard waking up .The morning antics are always interesting A pair of quail chasing each other in and out of the tall grass at the edge of the yard.Robins hunting worms in the new-mown grass.Over on the honeysuckle humming birds having a buffet breakfast.

The stove is taking the chill out of the air feels good to sit by it .I see steam starting to come out of the coffee pot .I see thru the fog in the pasture a doe with her fawn in tow.

The sun is climbing over the mountain and creeping across the yard warming the air and chasing the fog away.There is a breeze in the trees moving the leaves .Lots of song birds flitting about and calling back and forth.

Bob (the cat) is watching from his perch by the window next to the door.Rocky (the chihuahua) is stretching and needs to go outside for his morning constitutional.I will need to grab my cup of joe and make the rounds.First the rabbits ,check on the mammas and their new litters of bunnies.I will need to give the pigs and their baby’s some grain and water.Last the chickens and the chicks (just hatched 7 new the other day) Now I can sneak some eggs for breakfast 😉

Speaking of breakfast I think I’ll have some bacon (courtesy of the hogs) and a couple of pancakes to go with those fresh eggs the wood stove is hot now. After breakfast I’ll take a walk with Rocky, Bob usually trails along meowing (complaining ) about the trip .Maybe we will fix a lunch  go up the mountain a ways and check out the view .I’m sure we will work up an appetite for dinner this evening and a fresh-baked rabbit pot pie is sounding really good with some veggies from the garden.

I’ll probably putter in the shop a little on some projects new pens for the rabbits ,A pair of Adirondack chairs I’m making for the patio.Then back by the wood stove to read a little before bed.Whats your day look like ? Are you doing what you like today? how about tomorrow? The tiny house life is great the freedom to choose is the reward .Living small really is living large…      

You’re free to retire anytime just let go of the banana.

Retire ! Now! What! So what’s the deal ? I am talking about the BANANA! The one we all are holding.Here is the parable of the banana .In Africa some villagers found a way to catch monkeys .They put a banana into a small hole in a tree .The monkeys come along and reach into the hole to grab the banana but when they try to pull it out the  hole is too small to pull the banana out if they hold onto it.The monkeys are so determined to get it out they wont let go.They franticly try to pull the banana out of the hole and get so worked up that the villagers can walk up behind them and grab them .If they would have just let go they would be free!

So what does this have to do with Me you ask? I’m glad you asked 😉      We as a culture are so caught up in holding on to what we have and what we want that we trade our freedom out time and our future for these things. WE are so busy trying to achieve a level of material and financial success so we can “RETIRE” that we miss the point the target the essence of retirement and often never get anywhere near the goal . All to often in the mad rush to make it big we miss out on life period .We work our asses off to build a life and it crumbles like a house of cards in the end.There is no do over .There is no second chance.This is not a dress rehearsal people!

We all need to live on less A LOT LESS  than we do now . Quite frankly it is pathetic how much the average person saves/spends as if it will never stop.As we have learned the last few years the collective house of cards has come tumbling down on the consumer especially the ones with massive debt.To many people have been caught with their perverbal pants down in the economical down turn of over indebtedness .(IS that even a word?) Well it is now.

If you are debt free(and congratulations if you are) this has not really been a crisis.It may have been a pinch but not  a crisis.People who are savers and consumers as a general rule have been largely unaffected by this current state of affairs because they already live a life style that is frugal and minimal .These people drive older cars that are paid for and or ride the bus. They ride bicycle and walk to work and the store.They are living well below there means you don’t notice them because they don’t stick out nothing flashy about them because that is not what is important to them.Average does not even describe them .This person is more interested in living life their way than trying to “keep up with the Joneses” .

If this describes you I am impressed because it isn’t easy going against the norm. but the trade off is awesome a life on your terms you can work at what you find fulfilling and take large blocks of time off with little or no effect on your finances .you are free to pursue your interest like travel and sports such as kayaking ,camping, hiking . Your needs are few.You want for nothing! material things are not your passion.Big houses and there payments as well as fancy cars are not your thing.You have no debt.You have let go of the banana or better yet never grabbed it to begin with! You inspire me I have let go of the banana !! I can’t wait to see what will happen next .It doesn’t take that much to live when your needs are few .

You can retire from consumerism anytime you want to and take back your time your freedom and live your passion .Do it now before it is to late.All we need is food clothing and shelter.The more you know the less you need.Let go of the banana…

The backup plan .What if plan A isn’t panning out?

So you finished school and went out into the world to work your butt off and create health ,wealth and happiness for yourself. The american dream …get a job start a career and a family.Buy a house and a car or two and start putting money away for the future.Well fast forward a couple of decades and maybe things aren’t where you thought they would be.Maybe it just isn’t looking like you saw it in your head.

Here is where we are today people are trying to retire and worked the last 30 plus years to put away enough to enjoy the( golden years ) They keep telling you about.Now this could be for a lot of reasons layoffs ,cutbacks,divorce,health issues or an accident.Maybe your investments went bust or your house values crashed. Sound  familiar?

So what are you going to do ? maybe you see the writing on the wall down the line a few years for your self and you are looking to course correct now . Sorry if I come off all doom and gloomy but there is an alternative.

Plan B the back up plan .The what if the SHTF ( shit hits the fan) sorry if that offends anyone it is a broad and encompassing phrase that covers a multitude of scenarios from the minor lost my job to the end of the world and every thing in between.So what if? Well you need a fallback plan something that you can count on come what may.

What is that ? What does that look like ? How does that work? I’m glad you asked.;) It looks like a way to live without needing a bunch of money and infrastructure and still keep a standard of living you can be happy with no matter what happens .Some thing you can put in place now so you have the peace of mind that your covered for the future.

What does that take ?well I see the big costs of living today Housing is number one.How much money do you need to live if housing is no longer an issue? the second seems to be transportation gas prices are not going down that is for sure.Then food and healthcare.

Well lets solve the big one housing .Having a micro house built and setting in the back yard is a major piece of insurance in my opinion .It’s the fall back the escape pod the backup plan for the SHTF possibility of the unknown future .What if the power fails or there’s an earthquake or hurricane a blizzard and so on and basic services are interrupted wouldn’t it be nice to go over and get inside your micro house and fire up the heat and lights and be able to cook a meal and not just survive but thrive .

Lets talk about location.Micro houses can be placed in locations that would otherwise be prohibitive to live in either by price or the inability to build in an environment .So you can put it in a backyard or beach front on a lake river ocean pond ect… but the view or amenities are to die for.Who can afford a (million dollar view ) but you can barrow it for little or nothing ;).

You could live in walking distance or biking distance of all your shopping and business needs minimising or eliminating the need for a car.if you park your micro house in an area that has space for a garden then you can produce some of your own food cutting expenses further.

Lastly your health is very important and I want to touch on or bring full circle the backup plan living more simply and deliberately gives you time.Time to prepare your own food from scratch .Time to walk or bike to where you want to go .Time to be outside in the garden working in the fresh air and sunshine.Time to spend with family and a great place to live for a fraction of the cost of traditional lifestyle we have now .All we have is time health and family all we need is food shelter and clothing .If we have these we have more than the majority of the people on the planet . After that everything else is excess and luxury.    This lifestyle by design If you choose it