Minimal comfortable living

Topic by MrMe

MrMe

Home Forums Money Minimal comfortable living

This topic contains 11 replies, has 9 voices, and was last updated by Maddlad  Maddlad 1 week, 1 day ago.

Viewing 12 posts - 1 through 12 (of 12 total)
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  • #663371
    +8
    MrMe
    MrMe
    Participant
    443

    Hey guys,

    I am thinking alot about my future lately and the more I think about it and the more end up telling myself: Possessions won’t make me happier.

    I own:
    -computer
    -laptop
    -cloths (one 3 pieces suit)
    -microwave
    -blender
    -kitchen stuff
    -tons of books
    -sports equipments

    After thinking about it I tell myself… what else do I need to be living comfortably?

    A house or a condo is the first thing that pops out but… is this really necessary ? Do I need a house to be living comfortably? I can rent a room and be completely okay with this… why would I want to buy an overpriced block of cheap materials?

    My perspective is a perspective of a student soon to graduate and who will make much more than over national average salary. I don’t want you guys to think I want to live minimaly because I lack the ressources, because I won’t.

    What do you guys need to be living comfortably? Why would I want to buy more things than what I own right now?

    #663379
    +7
    MG-ɹǝʍo┴
    MG-ɹǝʍo┴
    Participant

    having your own home weather or not it’s a trailer or a mansion sure is befitting of independence and security. I can and will do WHATEVER THE F~~~ I WANT! NO LAND LORD OVER ME!

    #663396
    +5
    Maddlad
    Maddlad
    Participant
    530

    Having your own space is important, and if you can afford land then its usually a good thing to do as land usually increases in value over time. If you cant, then having a place you can do your own thing and not have to share or deal with others is a great thing in my opinion as not everyone shares our own values which can make living together difficult.

    As long as you can afford to pay your bills, eat well, live comfortably and be able to pursue the hobbies and interests that make your life fun then you’re doing well. After 45 years on this planet, i can honestly say that work/life balance is extremely important. Keep your overheads low and give yourself plenty of time to get away from work and do things that you really enjoy. Just my two cents. Cheers 🙂

    #663402
    +3
    Nagolbud
    nagolbud
    Spectator
    664

    Buying land and renting land is no different in our society. You don’t technically own in, even in the USA. You bought it with federal notes so it’s legally still owned by the government. The UK, Australia, Canada, ect is even worse. Literally all land is rented from the Queen. So honestly there is no difference. The perceived security of owning your own house is mostly in your head. The bank can take it at anytime, the government could raise taxes or boot you out with some bogus mineral claim. It happens all the time. Look at all the illegal foreclosures the government and banks made a killing off. A lot of them were fraudulent and some where even down right owned by people and were still taken. I learned a long time ago that my possessions were never going to bring me happiness. Is it fun to drive a 4×4? Sure. But it’s not real joy like having a heart to heart conversation with someone or helping someone in need. I get more joy from the little things like that than I ever did from my Audi’s or house. My 2 cents.

    I was down to a medium sized backpack filled with dog food and tools when I left the USA 🙂 Happiest day of my life walking out the door.

    0100111*beep*0101010101101101~[A Glitch in the Matrix]~110010[transmissionterminated]000101101

    #663406
    Nagolbud
    nagolbud
    Spectator
    664

    Woops

    0100111*beep*0101010101101101~[A Glitch in the Matrix]~110010[transmissionterminated]000101101

    #663514
    +3
    Westcoasttrendkill
    Westcoasttrendkill
    Participant
    168

    Owing a lot of stuff is a pain in the ass when you move around. For me, I’d rather own as little as possible before I find a place that I have decided to live at for whatever time I have left. I’m thinking a 3-4 bedroom house with a few acres to grow food on. My room, a guest room, gym, and a room to throw some drums into. Or maybe a room for the dogs I’d like to get eventually.

    Think about what your hobbies are and really where you’d like to retire at. Different parts of the world all have their pro’s and cons.

    #663540
    +1
    DarkRyu
    DarkRyu
    Participant
    1133

    Personally? I don’t need much. I have a couple of computers, a bed, a desk, and some side tables. That’s about it. I just bought this adjustable Sleep Number bed:

    https://www.sleepnumber.com/sn/en/beds/Innovation-Series-Beds/p/i10

    It was about $7,500 with the adjustable base that raises and lowers the head and foot. It has a massage feature, heated feet area, and I can turn my lights on and off with the wireless remote.

    Does it make me happy? Not really. But I get MUCH better sleep now so I’m able to do more things that make me happy when I’m awake.

    #663693
    +3
    Xanthine
    xanthine
    Participant
    1632

    I was in the same spot as you a little over a year ago. Broke student living mostly off loans.

    Since graduating and making a six figure income for the last year (which i am guessing you will do too) not much has really changed about my standard of living. Other than renting a slightly bigger house and a few little indulgences here and there, i don’t blow my money. In fact, most of my after tax income goes towards paying off those same loans.

    Once i accomplish that i will continue my minimalist lifestyle, but will save or invest my extra money instead. Eventually i will cut back how many hours i work, so i wont lose as much to taxes, and will be planning an early retirement in the Philippines. It’s a lot easier to save money when you dont get married or spend anything to try to impress women.

    #663718
    +3
    Secret Agent MGTOW
    Secret Agent MGTOW
    Participant
    4497

    A standalone house is the best option.

    Far less people can enter your house legally. You rent, the owner can let in cops or utility people or whatever. They also can dictate some of the things you cannot have in their building that are legal but they exclude them. Further you do not share walls with other noisy people (noisy neighbors are less noisy than those with a common wall) and they will not drill holes into your wall and spy on you.

    Further you do not deal with neighbors taking parking spaces that are yours or having access to a shared garage area and stealing your s~~~ or messing with your car. Also you do not have to live in a building with smokers or others who may burn down their place and everyone elses at the same time. Even if you don’t lose your place the building will be unliveable for a good period of time so you are out to make other arrangements.

    Further you don’t have to deal with unreasonable rent hikes for no improvements or s~~~ty neighbors the property manager tolerates because they do not live next to him.

    Also if you want to do woodworking at 2 am you can without others bitching about your power saws.

    Being able to do these things improves your mood and quality of life.

    You cannot beat a standalone house with a clear title of ownership.

    Women lie; they do not like it that often the truth hurts. #shecanthandlethetruth

    #663881
    MrMe
    MrMe
    Participant
    443

    I was in the same spot as you a little over a year ago. Broke student living mostly off loans.

    Since graduating and making a six figure income for the last year (which i am guessing you will do too)

    Average for my field is 85 000$ so not quite 6 figure income.

    Buying land and renting land is no different in our society. You don’t technically own in, even in the USA. You bought it with federal notes so it’s legally still owned by the government. The UK, Australia, Canada, ect is even worse. Literally all land is rented from the Queen. So honestly there is no difference. The perceived security of owning your own house is mostly in your head. The bank can take it at anytime, the government could raise taxes or boot you out with some bogus mineral claim. It happens all the time. Look at all the illegal foreclosures the government and banks made a killing off.

    This right there is what makes me hesitate to even consider buying a house/condo. Taxes in canada( quebec where I live) ARE RIDICULOUS. We are the most taxed people in north america and we have to pay , on top of that, the municipal and school tax when you already own your land that can range from 2000$ to 4000$ per year. Won’t feel like I own ths place… and taxes/regulations can change in a blink of a time.

    #664239
    +2
    Beer
    Beer
    Participant
    8486

    What do you guys need to be living comfortably?

    I own my condo…its cheaper than renting.
    I own my car…work weird as f~~~ hours and don’t live in a city so public transit is out.
    A computer.
    A dog.
    Basic furniture…sofa, desk, chair, bed.
    Simple wardrobe.
    Basic kitchen stuff.

    Don’t really need anything else. I had the same amount of stuff when I was making 40k-ish a year working my way through college as I do now. I think if I figured out my average spending per month this year it would be under 2k per month. I literally pay more in income taxes than I spend to live, and all the rest just gets thrown in the stock market so I can retire early.

    Why would I want to buy more things than what I own right now?

    Don’t know. When I didn’t have money I always thought I wanted more stuff. Now that I have money all that stuff just means I’d pay more taxes, more stuff to spend time and money to maintain, and more of my life I’ll have to waste punching a clock. A corvette and a house seemed like a great idea 10 years ago…now its just like meh…more taxes, more maintenance, and more years of my life I’ll have to work. If someone asked what would you rather have…a corvette or a 2 year long vacation…I think most would opt for the two year vacation? Now look at the number of expensive cars you see driving around…most people end up taking the car now vs the vacation just because the vacation is deferred in the form of early retirement…its all about choices and planning ahead.

    We are the most taxed people in north america and we have to pay , on top of that, the municipal and school tax when you already own your land that can range from 2000$ to 4000$ per year.

    5000 a year or whatever in taxes is a bargain if the alternative is you pay 14,000 a year in rent, never build any equity, your land lord is paying that 5000 a year in taxes anyhow, plus he’s making a profit off you. Ideally you’d just move to a lower tax area…but if your stuck with a job or whatever its not always possible or beneficial if you can’t get as good a job elsewhere.

    It was about $7,500 with the adjustable base that raises and lowers the head and foot. It has a massage feature, heated feet area, and I can turn my lights on and off with the wireless remote.

    Does it make me happy? Not really. But I get MUCH better sleep now so I’m able to do more things that make me happy when I’m awake.

    The way I look at it when I make a purchase big enough to actually put some research and thought into is its generally something I’m going to have for a while and get a lot of use out of. For as frugal as I am…sometimes it just doesn’t make sense to go cheap on things.

    #664690
    Maddlad
    Maddlad
    Participant
    530

    Buying land and renting land is no different in our society. You don’t technically own in, even in the USA. You bought it with federal notes so it’s legally still owned by the government. The UK, Australia, Canada, ect is even worse. Literally all land is rented from the Queen. So honestly there is no difference. The perceived security of owning your own house is mostly in your head. The bank can take it at anytime, the government could raise taxes or boot you out with some bogus mineral claim. It happens all the time. Look at all the illegal foreclosures the government and banks made a killing off. A lot of them were fraudulent and some where even down right owned by people and were still taken. I learned a long time ago that my possessions were never going to bring me happiness. Is it fun to drive a 4×4? Sure. But it’s not real joy like having a heart to heart conversation with someone or helping someone in need. I get more joy from the little things like that than I ever did from my Audi’s or house. My 2 cents.

    Yeah sorry mate thats not true at all. When you move house and you rent you dont get any of the increased value of the land from the sale of the house, whereas you do if you own it. Sure you have a mortgage for a while but once youve paid it off or in my case you have a small mortgage, the increased value of the land increases your retirement fund for when you sell it if you wish to downsize etc. EG I bought my house in 99 for $95,000 and its worth $450,000 today.

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