Showing posts with label medical bills. Show all posts
Showing posts with label medical bills. Show all posts

Saturday, October 19, 2013

HEALTH WARNING: It's Possible That Living In A Tiny House Will Cause You To Live Longer...

It's quite possible that the health benefits that come with living in a tiny house could cause you to live longer.
I have no scientific or medical evidence to back up that claim. There are no statistics that I'm aware of to back up my theory but I believe it's true and here's why.
You'll spend less of your precious time working to pay for it, the insurance, the rates, the maintenance. Hence less stress.
And then there's material possessions. You simply won't need as many so you won't have to earn money to buy them. You can go window shopping which is fun and it won't cost a penny. 
You'll spend less of your precious time commuting to and from work in rush hour traffic. Hence less stress. You might be able to live without an automobile, wow, no parking problems, no costly repairs and on-road costs. You might ride a bicycle or take public transport. That's radical. That's also less money you have to earn. That's good, that's less stressful.
You'll spend less on medical bills.
You'll have fewer outgoings and less or no debt and being in debt is very stressful.
You'll have more of your precious time to spend doing the things that really matter like spending quality time with family and friends.
You'll have more time for leisure activities. More time in the outdoors, more time in the garden growing your own food.
More time for healthy living.  
As you know, stress is a huge contributing factor to heart disease. And stress is a huge contributing factor to a range of cancers.
So surely making your life stress free will cause you to live longer.
That's my theory and I subscribe to it.
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Saturday, September 28, 2013

The Crippling Burden Of Home Ownership...

Most men said Henry David Thoreau, live lives of quiet desperation...
He was totally correct when he said those words a hundred and seventy something years ago and they're still true today.
Paying a mortgage, interest, insurance, property rates and taxes, even without any utilities added to the equation these days is a bit like juggling your finances while keeping all your balls in the air at the same time as keeping your shoulder to the wheel and your nose to the grindstone.
All that is very difficult to do.
In New Zealand in 2013 for example, buying a house for say $400,000 with a twenty percent deposit of $80,000, the purchaser would pay $610,000 interest at six percent for twenty five years just on the loan, property rates or taxes of even a modest $2,000 per year amounting to $50,000, another $50,000 at least for insurance. Then maintenance and upgrading for the period of around $125,000 and you're looking at a grand net total of $1,225,000.
You'll be paying around $49,000 a year or $4,100 a month or $943 a week to own your house. And all those outgoings are after you pay tax on your earnings. You'll need to earn a lot more than that depending on your tax rate.
To have your own roof over your head. Wow!
And then there's food for the family, a car to run, education for the children, medical bills and entertainment. What entertainment. You're going to be too exhausted working to have time for going on holiday and being entertained.
And what happens if you're made redundant, get sick or can't get work?
So what's the options smarty pants you may very well be saying.
There are lots of answers or options.
Thinking outside the square is a good option to start with. Think about renting.
Renting the same house might well cost you $400 per week or $21,000 a year instead of $49,000 and it's true, if you rent the same house for twenty five years at the same rate you will have spent $520,000 and you won't have a house to show for it but you just might be a lot more healthy, less stressed and happier.
You might be.
And think about working to live.
Not living to work.
Think about not playing the consumer game.
Think about getting off the treadmill.
Think downsizing. Think less is more.
And think about this.
All you need is enough and enough might be what you have...
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