Hello micro housers. This post is brought to you by the PEOPLE FOR A MORTGAGE FREE AMERICA. What elements will you include in your micro house project? Lots of windows? French doors? Carpet or hardwood on the floor? What will be your color scheme? How about a main floor bedroom? There are so many choices so much fun. Is it just me or is there some real peace of mind knowing that for the price of a nice car you could own your own home free and clear? Well if you build it yourself it could be half that price! If you could eliminate the cost of the largest expense we have in the world HOUSING.
What would your life be like? Fill the blank. If I had $$dollars is it $500.00, $750.00, $1000.00 or more!! (The monthly cost of housing that you now pay) left in my hand every month for the rest of my life what would I do? How would that change your lifestyle? $750.00 per month is $9000.00 a year or $90,000.00 every 10 years!! With interest you could be financially independent in just a few short years! $750.00 per month invested at %10 interest is almost $325,000.00 in 15 years! Don’t spend it save it.
So what is the best investment you can make? Learn how to build your own house now! It would behoove you to learn the skills necessary to build. Like plumbing and electrical or framing to Avoid the crushing cost of paying rent or 30 years of house payments. It’s easier than you think 😉 What if you had someone (An expert) that could walk you thru step by step and take the mystery out of the process? What would that be worth? Plans for these houses regularly sell on the internet for $600.00 to $700.00 and more without any instruction! But you could have a set of plans with a list of tools and materials so you don’t have to figure it out and a process of what board or sheet of wood to cut and where it goes and how to attach it and what to do next. Sound simple? Well there is work involved but it is a manageable process when there is a path and a plan.
How do you finance this project? That is a good Question I offered a solution in my most popular post “Free tiny houses for everyone” It is maybe a bit radical for some but drastic measures for drastic times!?! I don’t think it’s drastic given the outcome. Other options include selling off your no longer needed possessions the ones that wont fit in your house to help pay for materials. Savings you may already have. Small loans you can quickly pay back now that you don’t have a house payment. Pitch a tent at the project site once you shell in the house you can stay inside it out of the weather and finish as you go.
What are you willing to do to stop having to pay exorbitant amounts of money for a place to live? Make this the adventure that it is in lifestyle design. Change the life you have if you’re not happy with it. They say the definition of insanity is doing the same thing over and over and expecting a different outcome. If you want a new result you have to make changes. Think of the time and freedom you will have to spend pursuing your interest in live travel, hobbys, gardening, staying fit BALANCE YOUR LIFE! don’t spend it working 40 or 50 plus hours a week till your old and grey. We only get so many days on this planet What are you doing with yours?
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…