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  #81  
Old 04/04/08, 03:24 PM
wy_white_wolf's Avatar
Just howling at the moon
 
Join Date: Oct 2004
Location: Wyoming
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Quote:
Originally Posted by Betho View Post
I don't know how many doctors would take calves as payment for a 5-day hospital bill anymore. Health Insurance didn't exist 100 years ago, it was almost a different world. You try and go to the hospital and barter a calf for service - good luck!
Barting for them is hard after the stay. The trick is to barter for them before you need them. It can be done.

Quote:
http://www.centralbarter.com/FAQs.htm

Companies frequently strain to provide good medical benefits for employees and sometimes end up with “bare bones” protection. Barter can significantly improve the affordability of added medical benefits in several ways. Dentists, orthodontists, chiropractors, eye care, health club memberships and other medical services can be bartered.
Quote:
http://www.bartergroup.com/

Receive Full Medical Benefits on Barter

Medical services are now available on 100% barter. General Practitioners, Chiropractors, Dentists, Dermatologists, Nutritionist, Massage Therapy, Microdermabrasion, General Wellness, Cosmetic Surgery, and Full Labs!
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  #82  
Old 04/04/08, 03:24 PM
 
Join Date: Aug 2007
Location: Michigan
Posts: 432
Quote:
Originally Posted by RichieC View Post
I'm curious about one thing. You have a couple of times mentioned not wanting to work so you can "spend time doing what you love."

What is it that you love? Don't you think 20 hours a week hauling water and doing laundrey, and another 20 cutting firewood, might interfere with that?

Or is what you love "not working"?
What I love is working for myself and my family (when I get one). Tending my animals, gardens, and all that other good stuff. I also love anythign that is considered independence. Whether that is making my own cheese, wine, yogurt, or welding my own gate instead of buying one. Anything that I can do myself and not pay/go to the store for I will.

Independence is where I get the greatest joy in life. hauling water, doing laundry and cutting some wood should NEVER take 20 hours a week, and if it does, I either haven't done it in a long time and need to catch up, or I'm doing somethign wrong.

Hauling water is not hard, I do it everyday already. I can pump 50 gallons in 8 minutes and if the well was close enough to my house, I could carry in a 3 or 5 gallon bucket full in just another couple of minutes. Doing laundry may take some time, I really don't know, never done it by hand. But again, i can't imagine it would take the time that you are proposing. And Lastly, If I spent 20 straight hours cutting wood, I would have one heck of a pile. Unless I am building up a stockpile for winter or something, i can't even come close to imagining why I would spend 20 hours EVERY week cutting wood.

Your either misinformed, doing it wrong yourself, or exagerating.

If I had to guess I would think that you are exagerating, and then I would speculate as to why one would exagerate about something that's only result would be to discourage a young and hopeful homesteader. Doesn't make sense to me.

I realize you are trying to be helpful, but please try and be helpful in a way that actually is helpful. Sarcasm, exageration, and outright negativity is NOT helpful.

Richie, that is not directed completely at you, so don't take it too personally, but to everyone that has so far tried "helping" in ways that were all in all destructive to my motivation and confidence.

I want advice on HOW to achieve my dream, not reasons why I can't, shouldn't, or won't.
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  #83  
Old 04/04/08, 03:25 PM
Lizza's Avatar  
Join Date: Nov 2005
Location: Oregon
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Quote:
Originally Posted by wy_white_wolf View Post
I had the pleasure of cleaning out some of my grandmothers stuff a few years ago. Found one of her old journals. Seems in the winter of '58 grandfather came down with the pnemonia (sp?). He spend 4 or 5 days in the hospital. When he went to check out they asked him how he intended on paying them. His answer was that he would have to sell one or two of the calves that he was fattening up. His doctor overheard the response and took one of the calves as payment and paid his hostpital bill.

Just wanted to let you know there are ways around medical bills. Health insurance didn't exist 100 years ago. Neither did most things everyone views as necessities.
Also 100 years ago my daughter maybe would have lost her life to her foot infection and my other daughter might have lost her life at 5 to a raging kidney infection. I would have lost my life two times over from tubal pregnancies. My husband would have died at 13 to a bicycle accident that landed him in ICU (bruised liver) for two weeks. I could go on and on. I can't believe Goatguy has spent any time in a hospital setting to not understand this stuff. Has the hospital rotation not happened yet? I don't mean to be negative, I really don't, but sometimes reality needs to at least be in the front seat somewhere.
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  #84  
Old 04/04/08, 03:29 PM
 
Join Date: Jan 2003
Location: CHINA
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An interesting perspective...we are a family of 5 paying $14,000 a year for health ins. w/ $5000 ded. no dental
We are young and healthy....still we pay for those uninsured people that use the ER for treatment
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  #85  
Old 04/04/08, 03:37 PM
 
Join Date: Aug 2007
Location: Michigan
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Quote:
Originally Posted by morningstar View Post
Also 100 years ago my daughter maybe would have lost her life to her foot infection and my other daughter might have lost her life at 5 to a raging kidney infection. I would have lost my life two times over from tubal pregnancies. My husband would have died at 13 to a bicycle accident that landed him in ICU (bruised liver) for two weeks. I could go on and on. I can't believe Goatguy has spent any time in a hospital setting to not understand this stuff. Has the hospital rotation not happened yet? I don't mean to be negative, I really don't, but sometimes reality needs to at least be in the front seat somewhere.
Morningstar

yes, I have spent time in the hospital settings. I have had a few semesters of clinicals so far. And yes, I agree, Bad things happen, people get sick, people get hurt, Its part of life. But what happened to your kids, yourself, and your husband is FAR from normal. I dont' mean this in a bad way, but your family is EXTREMELY unlucky.

The average family would not have any of the problems, or accidents that yours seemed to. I am very glad that you had insurance (assuming you did) for the things that happened to you and your family. But just because it happened to you does not mean it will happen to me.

You want me to be "realistic", well, realistically, the statistical chance of those things happening to my family is just to small to worry myself over. Yes, one or two of those things could happen, but its that so bad that my work/savings/lifestyle wouldn't be able to absorb it.

I want to live a realistic life, but to me, that lifeis a life that does not involve worrying about that bad things that may be waiting in the shadows around that next corner.

I reccomend watching the movie called "Gattaca". About a fellow who has a heart condition and is told that he shouldn't pilot a space craft (its set in the future). He does not let this stop him from his dreams, sure, his heart may fail, but it if it does, it will be up in space where he dreams and yearns to be. Watch it, its a good one
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  #86  
Old 04/04/08, 03:38 PM
ET1 SS's Avatar
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Join Date: Oct 2005
Location: Forests of maine
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Quote:
Originally Posted by wy_white_wolf View Post
I had the pleasure of cleaning out some of my grandmothers stuff a few years ago. Found one of her old journals. Seems in the winter of '58 grandfather came down with the pnemonia (sp?). He spend 4 or 5 days in the hospital. When he went to check out they asked him how he intended on paying them. His answer was that he would have to sell one or two of the calves that he was fattening up. His doctor overheard the response and took one of the calves as payment and paid his hostpital bill.

Just wanted to let you know there are ways around medical bills. Health insurance didn't exist 100 years ago. Neither did most things everyone views as necessities.
We paid for ours with cheese.
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  #87  
Old 04/04/08, 03:39 PM
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zone 5 - riverfrontage
 
Join Date: Oct 2005
Location: Forests of maine
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Quote:
Originally Posted by Goatguy View Post
I am curious as to what you all think is the very bare minimum amount of income to live on.

Taking EVERY possible frugal $ saving shortcut, just how meager of an income could say a family of 2 + 1 infant live?

I'm thinking around $10,000 but I'm certain that I am missing something or another...

Please exclude ANY government assistance or charity programs, remember, we are a community of the independant

So! I figure (with land and car paid off)

Home insurance/tax : $150/month
Food: $250/month (assuming that most food is grown or butchered)
Animals: $50/month (which also brings in meat, milk, and eggs)
car: $150/month ($40 for insurance, and 1000miles @ 50mpg @ $4/gallon + a little extra for repairs now and then)
Annual garden: $40/year, about $3.5/month (seeds and such)
clothes: $70/month (salvation army/garage sales + 1 new pair of boots a year)
Basic home repairs: $50/month
misc. : $100/month (unexpected costs/repairs/bills)

grand total = $824/month or $9,888/year

Remember as well that this is a bare minimum to survive. Meaning no cell phone, cable, electricity, water, health or life insurance.
Also assuming that one could heat with wood, use reusable diapers on the infant and do most other things themselves.

What do you all think? Possible? missing something? What would be YOUR bare minimum?



Home insurance/tax : $50/year is what we pay.

Food: $100/month is about what we do pay, we do grow a large part of our food.

Animals: $50/month, *1

car: 0 *2

Annual garden: $10/month, *3

clothes: $20/month

Basic home repairs: $50/month

utilities: $30/month, I would keep this for running the well and electric fencing

misc. : $100/month (unexpected costs/repairs/bills)

phone: $0 there is no true need for a phone. I have been asked at our Farm's Market why I carry a cellphone. I am the only farmer there who carries one.

refrigerator and freezer: $0 these are truly not needed. A farmer in 1700 did not need one. A farmer in 1800 did not need one. A farmer today does not need one.

internet / higher electricity to cover a PC / satellite: are all fine and dandy items but again they are not needed, they are luxuries.

$410/month or $5k/year;

This past year we grossed $1,000 from our farm. We expect to see about $3,000 next year, and increases after that.


*1 - this seems like a lot. But it all depends. Right now we are building our herds and flocks so we are spending $110 a year. But then again we are earning a bit too, so in total last year our 'animal' books came out at about even.

*2 - "bare minimum to survive" We are dreaming here anyway so let us dream. If you setup a location within a mile of a community Farmer's Market, then you could use a push cart to haul all of your produce to market, and simply do not require a car.

*3 - Why are you buying seeds year after year? I don't. However I will allow for hoses and greenhouse repairs.
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  #88  
Old 04/04/08, 04:07 PM
AngieM2's Avatar
Big Front Porch advocate
 
Join Date: May 2002
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goatguy -
check out all posts by simpleman

and here's his web page, I don't know if it's updated, but it should appeal to your 'basic' premise and nature.

http://groups.msn.com/livingoffthela...pgmarket=en-us

Angie
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  #89  
Old 04/04/08, 04:07 PM
Where we all fit in!
 
Join Date: Dec 2007
Location: Kentucky
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Quote:
Originally Posted by Goatguy View Post
Its not that I don't want to work, or be lazy, its just that I'd rather be trimming goat hooves, butchering rabbits, tending a garden and collecting eggs, than being a nurse all day long. For all the homesteading people on here, I'm sure that this will make sense.

I'm not interested in big houses, fancy cars, or any other toys, I just want to be on my land, farming, raising a family, and enjoying life the way it was meant to be before the industrial revolution.

Does this make more sense, can you see where I am coming from?
I CAN DEFINITELY SEE WHERE YOU ARE COMING FROM.

Quote:
Originally Posted by wy_white_wolf View Post
Living without things is only limited by your desire. You feel the need for a car because you can't imagine living without one. Today kids can't even walk 10 blocks to school. I grew up pedaling my bicycle 4 miles to town so I could deliver papers in the morning before school. It's really bad to see how much has been lost in just over the last 100 years when our ancestors lived without cars.
I AGREE COMPLETELY.

Quote:
Originally Posted by brreitsma View Post
It sounds like you implied you're single right now. It is very hard finding a woman that won't load you down with material demands far beyond what you need to be content. On average a woman wants/needs more creature comforts then a guy. They also want security that comes with more well heeeled living. If you can handle being single and alone the life you want will be much more easily obtainable. If you marry the average woman you can give up any hope of simple living and frugality. I am married and speak from experience. I love my wife dearly and would never give her up but I admit that the difference between what I can be happy with and what she feels we need is very burdensome.
I HATE TO TELL YOU THIS, BUT NOT ALL WOMEN ARE LIKE THAT. IN FACT, IN OUR HOUSEHOLD, IT'S EXACTLY THE OPPOSITE!!!

Quote:
Originally Posted by themamahen View Post
OF IT CAN BE DONE

I read thru A LOT of NEGATIVE posts on Here on how U CAN"T do something

Can't Never could and Won't never will.

I would suggest on your Job situation to have an arrangement with the facility that hires you for Wnter employment only say Dec. thru Feb.
3 months that way when your crops need planting goats deliver exc. you will be there.

Given your previous figures on the amount of $ you need I think you would have extra left over from your budget especially the food part and clothing But I would definately do a little savings maybe 2000G for tractor repair freezers vet bills Exc. Canning supplies.

I would definately invest in berry bushes fruit trees a larger garden area plant your own feeds for animals.

You can do this
I AGREE COMPLETELY AND TOTALLY WITH MAMAHEN.

Quote:
Originally Posted by Aintlifegrand View Post
I think with your job and the increasing demands in your field...that you can do this because you can always jump in and make some quick money at amoments notice as you said...I think also, that people do not need as much money as they think to live on...and there are women out there who would share your dream and have no issues with doing things the way you have planned...So I say go for it...and if it does get too tight monetarily..so what? You could easily pick up a couple of shifts a week for awhile...people should live how they want as long as they are willing to care for their family without any govt. assistance. Enjoy. OBTW..we hauled water for nearly two years..boiled it for bathing, washing, cooking, animals, gardening,..etc.. it is not that bad..before you know it..you don't even relaize that this lifestyle isn't what you have always done..we have lived without plumbing for two years. I go to work everyday and make more than enough money to live differently..I choose not to.
I AGREE COMPLETELY.

You've received a lot of "advice". Some good, some....well let's just say some trying to suggest that you be "cautious". I have lived on less than $10,000.00 a year. It's not easy sometimes. In some ways it's no problem at all, especially once you get used to being frugal. The only area in which I agree with the more "cautious" remarks, is in the area of children. You will have to plan more carefully, and have some sort of savings for emergency situations. Bad things happen, not all the time, and not to everyone, but better safe than sorry.

Most of all, good luck, and be happy. Just start out slow, don't jump in to the deep end in the beginning. And do try what some mentioned, working part time, weekend or nights, or for a temporary service.
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  #90  
Old 04/04/08, 04:13 PM
 
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Location: New Hampshire
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Quote:
Originally Posted by Goatguy View Post

If I had to guess I would think that you are exagerating, and then I would speculate as to why one would exagerate about something that's only result would be to discourage a young and hopeful homesteader. Doesn't make sense to me.

I realize you are trying to be helpful, but please try and be helpful in a way that actually is helpful. Sarcasm, exageration, and outright negativity is NOT helpful.

Richie, that is not directed completely at you, so don't take it too personally, but to everyone that has so far tried "helping" in ways that were all in all destructive to my motivation and confidence.

I want advice on HOW to achieve my dream, not reasons why I can't, shouldn't, or won't.
So all you want is affirmation? Fine. Ra-ra, go team.

Try living this way yourself, first. And understand that what people have written above about social services taking a kid raised in the cirmstances you outline is not an exaggeration at all. It really could happen.
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  #91  
Old 04/04/08, 04:35 PM
 
Join Date: Aug 2006
Posts: 33
I work as a nurse. This job took me several years to get good at. I think it would be a more balanced, enjoyable life to work 1 day a week every week than 2 months a year. You are going to lose your skills/never develop your skills which will make those 2 months utter misery for you and everyone around. I worked one 12 hr day a week for 2 years when my son was young. Very nice. I calculate that would end up around $17,000 before taxes.
Heidi
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  #92  
Old 04/04/08, 04:41 PM
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Join Date: Nov 2005
Location: Oregon
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Quote:
Originally Posted by Goatguy View Post
Morningstar

yes, I have spent time in the hospital settings. I have had a few semesters of clinicals so far. And yes, I agree, Bad things happen, people get sick, people get hurt, Its part of life. But what happened to your kids, yourself, and your husband is FAR from normal. I dont' mean this in a bad way, but your family is EXTREMELY unlucky.

The average family would not have any of the problems, or accidents that yours seemed to. I am very glad that you had insurance (assuming you did) for the things that happened to you and your family. But just because it happened to you does not mean it will happen to me.

You want me to be "realistic", well, realistically, the statistical chance of those things happening to my family is just to small to worry myself over. Yes, one or two of those things could happen, but its that so bad that my work/savings/lifestyle wouldn't be able to absorb it.

I want to live a realistic life, but to me, that lifeis a life that does not involve worrying about that bad things that may be waiting in the shadows around that next corner.

I reccomend watching the movie called "Gattaca". About a fellow who has a heart condition and is told that he shouldn't pilot a space craft (its set in the future). He does not let this stop him from his dreams, sure, his heart may fail, but it if it does, it will be up in space where he dreams and yearns to be. Watch it, its a good one
Honestly, if it's just you, I agree with you 110% but when you add in a pregnant wife (I understand you don't have one at the moment?) and children down the line. Crap happens. Period. These things are not over a short amount of time. My husband and I are inching towards 40 and have three children, the oldest 14 years old. Talk to someone, anyone, over 30 that has had a few kids and see how many of them think that going sans insurance is a fabulous idea. I actually am really surprised that as a nursing patient (that has gone through your hospital rotations) you think that we are just "unlucky". My mom has worked in the hospital 30 years, those places are pretty full, doctors office's are too. My neighbor's boy needed stitches like 8 times while growing up and broke a few bones along the way. You don't think any of the kids will need braces? My one daughter with bad teeth is going to cost around $5-$6 thousand dollars when all is said and done. Don't fix them you say? Cosmetic? Nope, sorry, having bad teeth that drool is not optional and teeth that are spaced so closely together actually can cause health problems. You should always take care of your teeth. Now you could go public health/medical card since you probably would qualify but you said you didn't want to go that route.

Anyways, I appreciate the fact that you are 22 and I have no doubt over the years you will change some of your ideals. I don't mean that sarcastically, I was 22 once, and lets just say I'm really happy to be inching towards 40. You should realize that this is advice from someone that has ACTUALLY lived like you want to live and know lots of people that still do. My parents were hippies, we drove back and forth across the US like 8 times (living in our truck along the way) when I was young, we lived without running water or electricity and all of that. We lived on a commune, we lived in a cabin that you had to hike two miles back to get too, you get the picture. Right now I live way in the woods with a satellite internet connection in a tent (ok, Yurt, basically a 30' round canvas fancy tent). I also gave birth to my 3rd child in this tent with a midwife, in a horse water trough (only used for birthing of course! not like a used one). My sister gave birth to her second about 20 feet away on her Yurt's porch in the same tub. Don't think this is from someone who is sitting in some house in some big city. Just so you know .
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  #93  
Old 04/04/08, 04:42 PM
 
Join Date: Aug 2007
Location: Michigan
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Quote:
Originally Posted by RichieC View Post
So all you want is affirmation? Fine. Ra-ra, go team.

Try living this way yourself, first. And understand that what people have written above about social services taking a kid raised in the cirmstances you outline is not an exaggeration at all. It really could happen.
RichieC

That is not at all what I meant. In that post I explained what I meant the best way I could. I'm sorry, there must be a communication gap between us somewhere. Just respond how ever you feel you should and I'll make do the best I can. Thanks for trying anyhow.
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  #94  
Old 04/04/08, 04:54 PM
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Join Date: Nov 2005
Location: Oregon
Posts: 4,783
I wanted to add one more thing (and then sheesh I need to step away from this computer!). I think you can find a woman. I am the one that needs less then my husband, not the other way around.

Also I can't remember if you already got a book list but I own these and like them all. This is besides to the basic "homesteading books" of course. There are others but these are the ones off the top of my head. I liked Mortgage Free and another book that I can't remember the name of! I have to search my many book shelves. Someone else may remember it. The guy (I think Canadian?) about living more, working less, something along those lines maybe??? Well, I need to get to work around here but I can see if I can find it later, it is a really good book and I think you would like it.

Mortgage Free by Roy

Living On Less put out by Mother Earth News

Your Money Or Your Life by Dominquez and Robin
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  #95  
Old 04/04/08, 04:57 PM
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Location: New York bordering Ontario
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I don't know about absolute values. They seem low, but maybe that's just me. It's certainly a goal to try for, though, and it wouldd be interesting to see how well you do with it. If you start out with very low figures you can always raise them.

Personally, I would rather work full time and get some money in the bank and work it that way than try and work few hours a week and get the money in small amounts. It just seems safer to me.

But when you are young a lot of stuff seems possible. That's one of the great things about young people.

Go get 'em, tiger!

Jennifer
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  #96  
Old 04/04/08, 05:08 PM
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zone 5 - riverfrontage
 
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You did not say, but I had meant that my numbers would be for two adults and a child.

Right now we are not doing the absolute minimum, we are building a large home and setting up our farm, so it does cost us a lot more.
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  #97  
Old 04/04/08, 05:55 PM
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zone 5 - riverfrontage
 
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A good exercise in frugal living would be to examine your electrical breaker box. Turn off one breaker. Now live a month and adjust to life without whatever services that circuit provided you with. You will save money and learn a skill or four.

Then turn off a second circuit, and do it again.

You can do your laundry by hand. I have. A 5-gallon bucket and a toilet plunger works fine, and hang your clothes outside on a line.
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  #98  
Old 04/04/08, 06:01 PM
 
Join Date: Jan 2008
Location: Tx
Posts: 432
You can live on what you get - most people do.

I admire you dream to go for this lifestyle.

and this is a little beyond the remit of the original question, but have you considered the social side of things.

As someone who works from home it can be a big adjustment to living most of your life on your own. It's one thing to do it with a family, another to undertake almost everything by yourself.

Planning to work regularly, but part time, will give you some structure in your life, and give you opportunity just to get over the cabin fever from time to time. It'll also let you build up experience, which will count a lot to getting you new jobs.

The trouble you may find in working for a few years first and saving money is that you may well not save it. Most people get distracted by the bright lights conveniences and toys in life.
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  #99  
Old 04/04/08, 06:11 PM
 
Join Date: May 2002
Location: oklahoma
Posts: 1,801
why not work 2 days a week? you'd make the same, with a steady income and the opportunity for more income if there was an emergency.

and have you checked feed prices or are you planning to grow your own feed and hay?? for all the animals??
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  #100  
Old 04/04/08, 06:29 PM
 
Join Date: Mar 2007
Location: Southern Alberta
Posts: 284
This is how I've calculated our expenses whenever we can get onto the land, and assuming that I'm still working full time.


Home tax : $150/month (We don't practice insurance, forbidden by Scripture)
Food: $200/month - Also includes toilet paper, garbage bags etc, and whatever food I don't have time to raise.
Animals: $10/month - No shots, no vets, no extras. Just forage and grains.
Vehicle: $250/month - Got to drive 45 minutes to work somehow
Annual garden: $20/month - We save seeds, so all I'd need is new shovels, fixing rototiller etc. And yes, ALL BY HAND! No tractors or large machines.
Clothes: $100/month - My wife is a goodwill phreak, and finds insane deals. I go through shoes like crazy.
Basic home repairs: $50/month
Misc. : $250/month - Just in case, spending

grand total = $1030/month about $12,000/year. And since I always save half, I need $24,000 to live this lifestyle. If I'm not working, I can cut the car out and use my bike (Not joking, I lived three years like this)

I'm assuming that I use solar electricity, rainwater for domestic use, wood for heat grown on our land, and no debt. It's all very possible, and is done by thousands of people all over the world.
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