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.

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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.
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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.
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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.
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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.
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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.

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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 😉
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.

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You probably think it was expensive but you’d be wrong 😉 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.

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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.
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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.
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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 ;).



Flying by the seat of our pants .

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I was siting here trying to make sense of my feelings this morning and convey them to you when it hit me!

I just spent the week flying by the seat of my pants!

It has had a profound affect on both myself and my wife. We took off a week ago last Friday and rode our Harley Davidson fat boy half way across Washington state then headed north up into Canada. We had only one thing on our agenda be in Prince George some 600 miles north for a friends 50Th surprise birthday on Sunday.

The funny thing was we have never been up this way and our iPhones that we depend on so much were no good up their as we have US coverage and it’s very expensive to use up there. So no Internet and Mapquest or calling. We could send and receive text only. We bought a map book and navigated the old fashioned way!

The real lesson came as we rode about an hour at a time from town to town getting gas and stretching our legs about 300 miles a day pulling in to find a room some where and living out of the small bags that fit on the bike. This came to be the most freeing experience we have had.

Here’s what I took. One pair of shorts, three shirts, 3 underwear, 3 socks, one pair of blue jeans, riding boots, flip flops, hat, sun glasses, sweat shirt, leather jacket, chaps and 2 pair of gloves.  My wife took the same (a first) and a small bag of toiletries.

For living we took two compact sleeping bags the size of a loaf of bread and a cook set back pack stove and pan. One stainless steel nalgene bottle of water. That’s it.

We got to Prince George on sat about 5 and spent the next night at our friends mothers house. Then out to the lake after the party to stay water front with new friends in a camper van. Tuesday back to town for a nite at the birthday girls house. We had a bonus soak in the hot tub;)

The whole time we never really knew where we were staying or how long but all our new friends just kept adopting us putting us up and feeding us until we were about to burst! We did laundry at there homes as we went. Wednesday found us heading east after lots of goodbyes to all our new friends.

Where to? Jasper and Banff Provincial Parks!

We rode all day and saw signs for moose, elk,deer and bear but no animals to dodge thank goodness. We got in late to the town of Jasper just north of the park a beautiful town in a breathtaking mountain setting. It was high season there and all the hotels were full or a few rooms left at $250.00 to $300.00 ea!! We called about 8 places and finally got referred to a private home that rents rooms only $95.00 a nite quiet and unique.

After breakfast Thursday it was off to the parks.

Jasper and Banff what can I say you have to experience them your self they are truly amazing. Wild country, wild animals and unbelievable vistas. You could spend the summer there and only see a fraction of the area. Sadly we only spent 24 hours on our way home. We pulled out our map and found an exit near lake Louise (stunning) and rode toward Radium Hot Springs for the night. We found some motels near the hot springs at only $85 a nite but we got a $10 discount as bikers $75 that night! After riding in and out of rain showers all day we were tired and cold but still in awe of the scenery we just took in. Bears and all! Right on the road side! We stopped 20 feet away to watch them eating berrys.

Friday morning woke up to pouring rain not what we wanted to start the ride home in. We had coffee got packed and waited an hour before it let up so we took off for Cranbrook 15 min down the rode. It rain for 20 min!

We finally out ran it and stopped For breakfast and more hot coffee to warm us back up. We drove on to Creston stopped for gas and rest our butts then over the pass 6000 ft. Cold clear and amazing views down to the turn south and 10 min later were at the border crossing. Back in familiar territory about an hour from home.

That was yesterday and I find myself wanting to take off again for points unknown it was simple easy and minimal we had every thing we needed on that bike to keep going.

So why do we have so much stuff back home!?

A room some clothes and a motorcycle was plenty all week! No extra stuff and we didn’t miss a thing. Sell the house sell the cars and all the stuff and we can take off for good! Not one or two weeks but a year maybe.

We were alive out there in the open hot, cold, wet, and heat. Smelling the fresh air in the mountains. Stopping when and where we wanted not a care in the world. I believe it is all about the experiences in life not the stuff.

How about you?



Your Micro house Mortgage free living …What will it look like? How will you pay for it? Answers here.

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?       



The best Tiny house plans Step by step DIY with video on the planet!

Thats right I am beginning a project that will be the most comprehensive complete step by step do it yourself plans for building a tiny house on the planet!! If you want a tiny house and the only thing stopping you is HOW TO you wont need to know anything and you can follow this DVD video series .

This project will give you everything you need to know from start to finnish.The plans will show you how to find a trailer buy all your building materials (like how many 2×4 and sheets of plywood screws and nails windows and doors ect…)You can send a fax copy to the building centers to price the best package and have them set it up for pick up or delivery for you.Next know what tools you need and every cut of every board in the project.Watch the DVD s and get step by step instruction as you put your house together just like you have a contractor standing there helping you.  Get expert tips and tricks of the trade that make this project a breeze.

This set of plans is far beyond the detail of anything currently on the market today and would normally cost 3X what I will offer it for during the  pre sale before it is done .I will launch this project on kickstarter soon and you can buy advanced copys buy backing the project at the ridiculously low pre sale price .

I want everyone to have access to this level of knowledge and training so you can be self-reliant and mortgage free for life.

Please share this post and comment or ask all the questions you like to let me know your interest thanks .:)

Needs versus wants equals freedom versus a life of debt.

It seems in this day and age and in our culture we have a difficult time distinguishing between needs and wants.I hear people saying” I’m broke” or” I can’t make it from payday to payday”.I hear “I need a raise” On friday’s people are running to the bank to deposit their checks so they can by grocerys and get gas.It disturbs me that upon closer investigation these same people are paying $80-$100 or more for satellite T.V. $80-$100 or more for a smart phone plan $50 -$80 for internet and have a subscription for a movie plan.$10 dollars a month.The same people regularly go out to eat$10 t0 $20 buy coffee drinks$3 or $4 and cocktails at a club on the weekends$4 or $5 .Some smoke $5 a pack.

Now the problem is that the thinking is I need all this. It is the bare minimum to live life!   People that are on public assistants are paying for these things let alone the working people.It isnt just those WANTS that they are paying for it’s the car payment and the credit cards and the high rent or house payment too.We are out of balance .We think we NEED  all this when really we WANT it .Did you know that at the turn of the century the wealthiest people in the world (I’m talking about multimillionaires when a million dollars was a lot of money) did not have any of this! Today poor people quote unquote have more luxury than that.People at or below the poverty line enjoy a higher standard of living that the wealthy did then .They have running water flush toilets ,cell phones,heat and air conditioning,cars,electricity higher life spans (double) access to health care and more.

What we really have here is a money management problem and a perspective that we need all the luxury and really we just want it.

But the bigger issue is we trade our biggest most precious and valuable possession for all of these things with reckless abandon.Our TIME.We have a finite amount of TIME on this planet and we waste a tremendous amount of it in the pursuit of wants disguised as needs.We even trade our second most precious possession our HEALTH .It gets damaged by our lifestyle and eating habits that we create in the pursuit of  needs that are only wants. we work too much and sit too much then we eat too much and trade our health as a result of it .

So what is the solution to all this sobering and depressing conversation anyway.  Well for starters a good hard look at wants vs needs and getting present to what they are costing you in terms of your real quality of life.Become present and mindful of daily life and what really makes you happy .Get out of and stay out of debt! cook from scratch .It is healthier and less expensive than packaged and processed food. take a walk it is good excercise that costs nothing and gives you time to think about whats important.less cost of living means less need to work and more time to spend as you wish.Cut your cost housing ,transportation the two biggest and really look at wants and get that that is just what they are .The only things you really need are food clothing and shelter every thing else is luxury and vanity.At what cost are they really acquired ?

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