Brainstorming (or I Love To Make Lists)

Shine

Thanks for all the feedback on my last post. The consensus seems to be there is no harm in preparation. And forgive me for saying I’m glad I’m not the only one feeling a doomsday scenario coming on. Okay, maybe not doomsday, but I still have all these horrible images in my mind depicted by Dmitry Orlov who is likening the USA to Russia right before its collapse and had plenty to depict what that might (will?) look like for us and what could be done about it. You can read all his comparisons and predictions here. Can we say yikes?!

Justin and I are still discussing it all. We’ve been talking about ways to earn extra money or save money. We are leaning strongly towards getting a piece of land asap, regardless of whether we move there this year or not. At least we’d have it if we needed it. There has been a new twist, thanks in part to Denise and Lisa. Justin has family both in Minnesota and Wisconsin. Family with farms and cows. Family with a long history in the area. Family that are apparently part Hothian (thanks Zeb for the Star Wars reference). Talk about a climate shock. How does a scrawny desert rat survive the bitter cold winter up north? I barely survive it here!

But I digress. It’s still just talk (with occasional meanderings through land sale sites) at this point. We have bigger fish to fry at the moment. Like the money thing. I love to brainstorm, mostly because it leads to more list making. And if you couldn’t tell by looking to your right, I really enjoy my lists. I could create page after page of lists; anything from famous last words (“They couldn’t hit an elephant from this distance.” ~ John B Sedgwick), to how you know you’re from Vegas. I especially love lists that allow me to cross things off, which brings me back to this list and all the things we can probably (and most definitely) nix at the gate. So here goes; our brainstorming session on all the ways we could make money (some tongue-in-cheek, I swear).

We (he or I or both together) could:

  • Work on motorcycles or bicycles
  • Offer handyman services
  • Take any overtime possible (he’s got some tomorrow! yay!)
  • Install irrigation and raised beds for others
  • Donate sperm (all Justin there)
  • Donate other bodily stuffs
  • Green people’s homes
  • Garden maintenance
  • Clean houses (BLEH)
  • Sell seedlings and seeds
  • Gigolo or call girl
  • Photographer
  • Rent a room
  • Rent out storage space in our home
  • Sell extra produce
  • Male stripper
  • Loctician
  • Selling crap vintage finds online
  • Selling handmade goods on Etsy
  • Mystery Shopper
  • Errand Runner
  • Professional hitman Who put that in there???
  • On-location car washer
  • Work at Wal-Mart Who put THAT in there???
  • Petcare or pooper scooper
  • Childcare (or pooper wiper)
  • Medical guinea pig
  • Advertising on the blog
  • Write a book (my husband has such faith in me!)
  • Certified massage and bodyworker (my former life)

So many thoughts on that list, no desire to bore you with them.

Ways to save money are a bit harder. We’re pretty darn frugal as it is. There are few “extras” we have and little we don’t take advantage of: we only shop second-hand; we don’t use credit cards; we meal plan and grocery shop with a list; we use a budget; we take advantage of our library; we drive slow; I’m just incredibly cheap. But we did come up with some ideas on how to save money:

  • Cut the (basic) cable
  • Cancel the (basic) home phone
  • Skip that whole “eating” thing
  • Or at least simplify our meals
  • Give up beer Nevermind. Not well received.
  • Stop eating out completely (or order appetizers and water if we do)
  • Become (even more?) fanatical about energy usage
  • Become a coupon cutter (eep!)
  • Mooch Have dinner with family. Mom?
  • Barter garden produce
  • Barter other things
  • Reevaluate our insurance plans/needs
  • Doing yoga at home If he keeps his homebrew…
  • Sell the second vehicle
  • Refinance the house
  • Downsize our living arrangements, if selling is at all possible

There must be things we’re missing in either category. Throw it at me! The more ridiculous, the better!

:D

Ten Months

Staircase

I’ve been debating posting this. It’s a somewhat dark view of the future and most of it is just our thinking out loud. But I figure if Justin is right on, I’ll want proof my husband is psychic. And if he’s wrong, all the better! (He was dead-on by the way.)

Ten months. That’s what Justin is giving it until the SHTF in Las Vegas. Ten months until construction work is obsolete, until we’re stuck in a house we can’t pay for, until we get the hell outta dodge. Ten months until the unemployment rate in Vegas jumps, until casinos make more layoffs, until said casinos aren’t making enough to pay enough in taxes to keep our economy afloat. Ten months until the beginning of a completely new atmosphere out here.

He’s basing this on a few things. 1. There are no jobs (no mid-size to big projects – only piddly stuff) starting up right now. He’s at City Center along with thousands of other construction workers. According to him, a decent sized jobsite would need to break ground within the next couple of months for there to be work for him (or thousands of others) after this current job finishes in December and so far *nothing* is even in the planning stages. 2. Too many construction sites are stopping construction due to finances nd too many casinos are going bankrupt meaning less or no remodels, less taxes and less employees. 3. The out-of-work list is already thousands deep.

His thoughts? Work diligently for the next few weeks to sell my truck. If it doesn’t sell by the next payment, let it go. Ruin our credit, but save us an embarrassing amount of money each month (fyi: this was my work vehicle when I had my business but between his truck and his motorcycle, we could do without it now). After that do all we can to make extra money and drastically cut expenses even more to save all we can between now and “then”, whenever then might end up being. He’s even tossed out the idea of letting the house go and renting a tiny apartment or house. Oof. He wants to start looking now into places to move, buying our land this year and living out of a pop-up trailer or RV if necessary. So much for five years, huh?

Now, I will admit my husband is a “black or white”, “all-or-nothing” kinda guy. He has a tendency to jump to extremes when problem solving. But never, ever has he worried about work or jumped to extremes when it came to work or such big decisions. Never has he felt the need to. In fact it’s so rare for him to be considering things like this that despite the fact we’ll probably not need to start jumping to such extremes, I’m very inclined to trust his judgement on the seriousness of the matter.

The difficult part is that we won’t know if he’s right until it’s too late – either too late to make major changes or too late to undo any changes we make (like ruining our credit for nothing). Going into extreme mode when it comes to saving and earning money is simple to do now without major ramifications. But letting the truck go? Letting the house go??? I have serious ethical problems with both those options. I mean, if we couldn’t make payments then we gotta do what’s necessary. But we made an agreement to make payments and while we can I feel we should, ya know?

Right now we’re brainstorming ways to make money or cut expenses even further. We’ve come up with plenty of ideas; maybe I’ll share them later.

What do you all think? How is the economy affecting you and your decisions right now? Anyone else contemplating major (and fast) moves like this? Are we crazy to jump to such conclusions? Or would we be crazy not to?

Grocery Budgeting

I’ve had more time to peruse blogs lately and have been finding some really great and inspirational ones. But I just ran across one that is so inspiring and amazing, I just HAVE to share it!

ThirtyFiveByNinety posted this blog post about their grocery shopping goals and how theie goal is to spend no more than $25 per week on food. So far this month, their total grocery bill has been under $42! They’ve been accomplishing this by shopping sales, bulk, farmer’s markets, gardening, bartering etc.

Since we’re trying to cut our expenses back in order to save more for our Five Year Plan, this is really intriguing. I thought I was doing good with shopping every two weeks and meal planning with our bill averaging under $100 a week. Granted, I don’t have the local resources they do – like a nearby dairy farm. But there must be ways I can do better. And now that I know someone else has it figured out, I’m more inspired to do the same!

Some ideas I’ve been throwing around include: more vegetarian and vegan meals each week (we’ve really slacked in this area), buying in bulk from Azure Standard, finding more cupboard space to “put by” more sales, actually shopping those sales. (Yes, I should already be shopping sales. But until recently the only grocery stores nearby were never cheaper than Trader Joe’s, so it was never worth it. Now that we have a Fresh ‘N Easy and a Sunflower Market nearby, I need to shop around more.)

And of course, when we have our garden growing that will supply alot.

I also found this blog, 5DollarDinners.com but at $5 a meal, the post above is still way ahead. (Still it may help me, except where their meal ideas are not up to our dietary standards. Health is one area in which to not scrimp for us.)

So, now I’m curious what others have been doing to save on their grocery bill? Please share! I need all the ideas I can get!

The Five-Year Plan

Vegas is changing. The housing bubble has burst and homes bought a few years ago are now only selling for a third of their price. Construction (especially Justin’s specialty in the commercial sector) is slowing down, leaving us unsure of Justin’s career future. And that’s not even mentioning the National economy and what will be coming down the road with our next administration.

During our time off last month, we had a chance to focus and discuss our goals for the future. Namely, what we want and where we want to be in five years. I can’t say I’ve ever known where I wanted to be in five years before now. Now we have a plan. A well-organized and thought-out plan. A plan that gets us so excited it’s difficult not to jump the gun and skip the needed steps to implement this plan well. What’s the plan?

The plan is to get the hell out of Dodge. Just not quickly. Quickly would require debt, a reliance on others (other economies, other banks, other bosses, etc) and a huge variation from the purpose of the plan. The purpose of the plan is to opt out of the System. To be debt-free and self-sufficient. To live off-grid (except for satelite internet ;) ). An Earthship is a good possibility and something Justin wants to learn, but there are other possibilities, too.

We want a self-sustaining home -  one with solar and wind energy, water catchments and possibly, a well – outsie a sustainable community. We want a small organic “hobby farm” – something that will supply us with nearly all we need for sustenance , as well as a small income, possibly from an orchard. Justin wants a woodworking shop to build furniture or whatever else his heart desires. I want a wood-burning stove and a real fireplace and lots of nature surrounding me. Zeb wants goats and chickens and ducks, and a cow. He also wants a treehouse and lots of wild open spaces to run.

Of course, to do all this debt-free means saving up a truckload of money. We’re starting with a goal of $100,000. Enough to buy several acres and begin building our home. We have some ideas of how to save this. Our small Christmas last year was a good start. Selling what was once my business vehicle will save us thousands a year (it’s due to be pain off in less than two years anyway). Add to that fewer vacations, saving tax returns, reduced spending, skipping out on things, any overtime he might get…it’ll be tough – real tough – but manageable and the end result will be worth it. I’m also going to look into making money with my photography, my blog and maybe with the garden eventually.

Their are also a few things that we plan to do before our homesteading venture makes them more difficult to accomplish: medical and dental work before the insurance is lost is crucial, among other more personal matters.

So, there you have it. The synopsis to our Five-Year Plan. I love it! I love the action and the mental organizing. I love SMART Goals (Specific, Measurable, Attainable, Relevant, Timebound). It’s a rough idea and one I’m sure we’ll be adding to and/or amending as time goes on and as we learn more and get closer to our goal. I’m sure I’ll also keep ya’ll updated on specific changes via a blog post too.

And as always, I’m open to ideas – things we should check out (locations, technologies, techniques, etc), things we should consider, or just your own thoughts and ideas or your own goals! And we’re hoping to have some great, like-minded neighbors, if you care to join us. ;)

Here’s the plan:

We currently live in a suburb of Las Vegas, a city who’s real estate bubble burst leaving us with an upside-down home. Because Justin’s field of expertise (commercial construction; mostly casinos) relies heavily on a booming economy, we know continuing to live in Las Vegas long-term will bring challenges in the coming years.  Our current guesstimations to do this debt-free put us at a financial goal of $100,000 at the end of five years, an average of $20,000 a year. This will be the biggest challenge.

We’re applying SMART techniques to this goal; Specific, Measurable, Attainable, Relevant, Time-Bound. For this reason we’ve begun an outline for accomplishment that we will update along the way.

2009, Year 1:

  • Research local, stable banks and open a new savings account
  • Sell our second vehicle to decrease debt and increase savings: Detail truck, affix sign on window, list online and in paper, pray for a miracle
  • Finish yard and garden conversion and start producing own food: Erect raised beds, plant fruit trees, finish irrigation, sow all seeds, plant more perennial nitrogen-fixers and insectaries
  • Research and implement homesteading skills from a homemaker’s perspective: baking, preserving, sewing, knitting, etc
  • Research and if possible, implement a graywater system
  • Research rabbits and egg-laying chickens and their shelters
  • Find more ways to save (and/or earn) money

2010, Year 2:

  • Continue expanding edible landscaping in front and backyard
  • Adopt animals for eggs or manure
  • Research desired land features- Elevation desired, Average Precipitation needed, Local and State laws, Taxes, Building Codes, Climate Change Models, Localized Communities and their sustainability and resources
  • Research areas that fits our desired land features
  • Continue finding ways to add to decrease spending and increase savings

2011, Year 3:

  • Continue expanding edible landscaping in front and backyard
  • Begin heavy research on sustainable homebuilding, temporary living structures, barn, workshops,  solar and wind technologies, composting toilets, etc
  • Continue finding ways to decrease spending and increase savings

2012, Year 4:

  • Continue Victory Gardening and Urban Homesteading from previous years
  • Continue research on sustainable homebuilding and communities, etc from previous year
  • Consider programs such as WWOOF, EarthShip internships and Permaculture certification
  • Purchase land that fits our requirements
  • List Las Vegas home for sale
  • Continue finding ways to decrease spending and add to savings

2013, Year 5:

  • Continue Victory Gardening and Urban Homesteading from previous years
  • Sell home and find interim living arrangements if needed

PLAN B:

Because the job market in Vegas has taken a sudden turn for the worst and Justin may be unemployed at any moment, we’ve established our Plan B. It’s a bit more fly-by-the-seat-of-our-pants since we don’t know what to expect in the coming months or years. We’ll make changes as necessary.

  • Continue doing everything we can to save and earn money
  • Continue growing everything we can
  • Only invest money or time into the house or garden that will pay for itself
  • Continue doing all we can to stay in our home, while still saving money
  • If moving out of our home is necessary, we’ll stay in Las Vegas and continue to work towards moving debt-free
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