Ecoer Logo
VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS44.97%
Net Worth
14.916USD
STEEM
0.000STEEM
SBD
0.055SBD
Own SP
256.714SP

Detailed Balance

STEEM
balance
0.000STEEM
market_balance
0.000STEEM
savings_balance
0.000STEEM
reward_steem_balance
0.000STEEM
STEEM POWER
Own SP
256.714SP
Delegated Out
0.000SP
Delegation In
0.000SP
Effective Power
256.714SP
Reward SP (pending)
0.000SP
SBD
sbd_balance
0.055SBD
sbd_conversions
0.000SBD
sbd_market_balance
0.000SBD
savings_sbd_balance
0.000SBD
reward_sbd_balance
0.000SBD
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Account Info

nameirieman
id27031
rank0
reputation1871518719
created2016-07-18T16:59:24
recovery_accountsteem
proxyNone
post_count4
comment_count0
lifetime_vote_count0
witnesses_voted_for0
last_post2016-07-25T17:55:51
last_root_post2016-07-24T19:01:33
last_vote_time2016-07-28T19:54:45
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can_vote1
voting_power9,949
delayed_votes0
balance0.000 STEEM
savings_balance0.000 STEEM
sbd_balance0.055 SBD
savings_sbd_balance0.000 SBD
vesting_shares417524.403815 VESTS
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reward_vesting_balance0.000000 VESTS
vesting_balance0.000 STEEM
vesting_withdraw_rate0.000000 VESTS
next_vesting_withdrawal1969-12-31T23:59:59
withdrawn0
to_withdraw0
withdraw_routes0
savings_withdraw_requests0
last_account_recovery1970-01-01T00:00:00
reset_accountnull
last_owner_update1970-01-01T00:00:00
last_account_update1970-01-01T00:00:00
minedNo
sbd_seconds0
sbd_last_interest_payment2016-08-11T10:20:39
savings_sbd_last_interest_payment1970-01-01T00:00:00
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  "last_owner_update": "1970-01-01T00:00:00",
  "last_account_update": "1970-01-01T00:00:00",
  "created": "2016-07-18T16:59:24",
  "mined": false,
  "recovery_account": "steem",
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  "voting_power": 9949,
  "balance": "0.000 STEEM",
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  "sbd_seconds": "0",
  "sbd_seconds_last_update": "2016-08-11T10:20:39",
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  "last_root_post": "2016-07-24T19:01:33",
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  "vesting_balance": "0.000 STEEM",
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}

Withdraw Routes

IncomingOutgoing
Empty
Empty
{
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From Date
To Date
2019/07/18 18:02:24
authorsteemitboard
bodyCongratulations @irieman! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@irieman/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@irieman) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=irieman)_</sub> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!
json metadata{"image":["https://steemitboard.com/img/notify.png"]}
parent authoririeman
parent permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
permlinksteemitboard-notify-irieman-20190718t180224000z
title
Transaction InfoBlock #34776554/Trx fad4d9f65d0ddb962a3d04b3f8827366ef9baca9
View Raw JSON Data
{
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  "op": [
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      "author": "steemitboard",
      "body": "Congratulations @irieman! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@irieman/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@irieman) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=irieman)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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vdohsent 0.001 SBD to @irieman- "I believe in Steemit, I believe in You! Good afternoon, I want to invite you to support my post dedicated to my dream and development and good advertizing of community of Steemit! I want to make the ..."
2016/08/11 10:20:39
amount0.001 SBD
fromvdoh
memoI believe in Steemit, I believe in You! Good afternoon, I want to invite you to support my post dedicated to my dream and development and good advertizing of community of Steemit! I want to make the balloon on which I am going to visit many large cities and to place the logo and the slogan Steemit on it. Support me and I will support you! URL : https://steemit.com/steem/@vdoh/rise-steemit
toirieman
Transaction InfoBlock #3986168/Trx 15848a8a6273dc8a4f2d8939be0600e4a4b57e94
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2016/07/28 19:54:45
authorjusticepirate
permlinkre-irieman-how-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions-20160726t233620419z
voteririeman
weight10000 (100.00%)
Transaction InfoBlock #3596540/Trx 83429c3a8be792e5c0f0d5e0684c04bb1a835c14
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2016/07/26 23:36:45
authoririeman
permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
voterjusticepirate
weight10000 (100.00%)
Transaction InfoBlock #3543792/Trx be10dcf6affaa078df1f33c734c78bb2108292f9
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2016/07/26 23:36:21
authorjusticepirate
bodyI agree that it helps save money. I don't live in a tiny house, but I live in a small two bedroom apartment as a family of four and we are looking to downsize more. I so agree with your list of statements. The bonding thing is so important and it is sad how families in large homes lose that! May your process of designing your own tiny house be so much fun and wonderful!!!!!!
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parent authoririeman
parent permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
permlinkre-irieman-how-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions-20160726t233620419z
title
Transaction InfoBlock #3543784/Trx 785631b631e0fc03fb6b0d09ed704004db3ea0ff
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      "body": "I agree that it helps save money.  I don't live in a tiny house, but I live in a small two bedroom apartment as a family of four and we are looking to downsize more.  I so agree with your list of statements.  The bonding thing is so important and it is sad how families in large homes lose that!\n\nMay your process of designing your own tiny house be so much fun and wonderful!!!!!!",
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2016/07/26 16:49:15
authortinyhomeliving
permlinkre-irieman-how-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions-20160726t011751620z
voteririeman
weight10000 (100.00%)
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2016/07/26 03:15:57
authoririeman
permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
votersuburbancaveman
weight10000 (100.00%)
Transaction InfoBlock #3519615/Trx 477571c71fe1df4c87755a2e610ec3487d058661
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2016/07/26 01:17:51
authortinyhomeliving
bodyI missed this on the feed! Good luck on your tiny home adventure and I will keep and eye out for future posts! Tiny home awareness on Steemit!
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parent permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
permlinkre-irieman-how-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions-20160726t011751620z
title
Transaction InfoBlock #3517274/Trx d32d7a2d46fc5b49a121d5f7f0273724849ed4e9
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2016/07/26 01:16:27
authoririeman
permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
votertinyhomeliving
weight10000 (100.00%)
Transaction InfoBlock #3517246/Trx 8fe8cfef4485af8d49d075d8d67a1d278d476174
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2016/07/25 19:44:24
authoririeman
permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
sbd payout0.054 SBD
steem payout0.000 STEEM
vesting payout66.330123 VESTS
Transaction InfoBlock #3510680/Virtual Operation #3
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2016/07/25 18:09:39
authorbridgetbunchy
permlinkfrom-usd0-77-to-starting-a-recycled-revolution
voteririeman
weight10000 (100.00%)
Transaction InfoBlock #3508824/Trx e3136f97093b93f69f417b81e84934198def5a5a
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2016/07/25 17:58:21
authorvonnyalicia
bodythank you i glad to make you happy :)
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parent permlinkre-vonnyalicia-hallo-steemit-girl-photographer-and-animal-lovers-in-here-want-to-join-steemit-20160725t175546569z
permlinkre-irieman-re-vonnyalicia-hallo-steemit-girl-photographer-and-animal-lovers-in-here-want-to-join-steemit-20160725t175818188z
title
Transaction InfoBlock #3508601/Trx 0dc2da411d9516f8bfc2d6fc952a459c9942aa5f
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2016/07/25 17:55:57
authorvonnyalicia
permlinkhallo-steemit-girl-photographer-and-animal-lovers-in-here-want-to-join-steemit
voteririeman
weight10000 (100.00%)
Transaction InfoBlock #3508554/Trx c30dd49ae6a038f26a2490df741f5a65ffc3eece
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2016/07/25 17:55:51
authoririeman
bodyI like the colorfulness and freshness of your pictures! Respect ;)!
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2016/07/25 17:49:21
authoririeman
bodyI really enjoyed reading your story :)! Often less is more. Me and my girlfriend are also totally convinced about tiny houses and are currently in the process of designing one. We live in Germany, this can be quite a challenge when it comes to finding a legal place to put it, but I am sure we will overcome any challenge when thinking about what an enabler a tiny house can be .. Anyone who is not quite convinced yet, I wrote about my itentions of "living small".. If you are interested, here is the link: [How a tiny hous can make you richer while gaining more free time and..](https://steemit.com/tiny/@irieman/how-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions) Let´s bring the tiny house community to STEEMIT ;)!!
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2016/07/25 17:43:36
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2016/07/25 17:42:06
authoririeman
bodyI totally agree! I am also very interested in tiny houses and currently in the process of designing one for me and my girlfriend :). It is such a money saver, environmental friendly, portable - just love it ;). For anyone who is not convinced yet, maybe my article can add some value [How buying a tiny house can make you richer..](https://steemit.com/tiny/@irieman/how-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions) A tiny house can be quite a solution to many challenges we are facing nowadays :)...
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2016/07/25 17:32:24
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2016/07/24 23:20:21
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2016/07/24 20:34:06
authoririeman
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2016/07/24 19:45:30
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2016/07/24 19:37:45
authoririeman
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2016/07/24 19:32:21
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2016/07/24 19:27:09
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2016/07/24 19:18:42
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2016/07/24 19:16:15
authorposeidon
bodyThis is true. We could travel and experience so much more if we could just drop the "Image craving".
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2016/07/24 19:16:06
authoririeman
body<html> <p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p> <p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p> <p>I had several reasons in mind to do so:&nbsp;</p> <p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p> <p>2. Saving for a car&nbsp;</p> <p>3. Saving for buying a home&nbsp;</p> <p>4. Saving for retirement &nbsp;&nbsp;</p> <p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p> <p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p> <p><strong>Time has become a scarce commodity</strong>&nbsp;</p> <p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p> <p><strong>What is really important in life</strong>&nbsp;</p> <p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p> <p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p> <p>1. Time and&nbsp;</p> <p>2. Money</p> <p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p> <p><strong>Having more money in the pocket</strong></p> <p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p> <p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p> <p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p> <p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p> <p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p> <p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p> <p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p> <p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p> <p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p> <p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p> <p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p> <p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p> <p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p> <p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p> <p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p> <p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p> <p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p> <p>Besides the big saving every month, I love to highlight the following:&nbsp;</p> <p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p> <p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p> <p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p> <p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p> <p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p> <p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p> <p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p> <p><img src="https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg"/> <img src="https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg"/> <p><img src="https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg"/> <img src="https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg"/> <p><img src="https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg"/> <img src="https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg"/> <p><img src="https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg"/> <img src="https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg"/> <br> </p> <p><strong>From the idea to reality</strong>&nbsp;</p> <p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p> </html>
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permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
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      "body": "<html>\n<p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p>\n<p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p>\n<p>I had several reasons in mind to do so:&nbsp;</p>\n<p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p>\n<p>2. Saving for a car&nbsp;</p>\n<p>3. Saving for buying a home&nbsp;</p>\n<p>4. Saving for retirement &nbsp;&nbsp;</p>\n<p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p>\n<p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p>\n<p><strong>Time has become a scarce commodity</strong>&nbsp;</p>\n<p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p>\n<p><strong>What is really important in life</strong>&nbsp;</p>\n<p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p>\n<p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p>\n<p>1. Time and&nbsp;</p>\n<p>2. Money</p>\n<p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p>\n<p><strong>Having more money in the pocket</strong></p>\n<p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p>\n<p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p>\n<p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p>\n<p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p>\n<p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p>\n<p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p>\n<p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p>\n<p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p>\n<p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p>\n<p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p>\n<p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p>\n<p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p>\n<p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p>\n<p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p>\n<p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p>\n<p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p>\n<p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p>\n<p>Besides the big saving every month, I love to highlight the following:&nbsp;</p>\n<p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p>\n<p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p>\n<p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p>\n<p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p>\n<p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p>\n<p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p>\n<p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p>\n<p><img src=\"https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg\"/>\n<img src=\"https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg\"/>\n<p><img src=\"https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg\"/>\n<img src=\"https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg\"/>\n<p><img src=\"https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg\"/>\n<img src=\"https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg\"/>\n<p><img src=\"https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg\"/>\n<img src=\"https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg\"/>\n<br>\n</p>\n\n<p><strong>From the idea to reality</strong>&nbsp;</p>\n<p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p>\n</html>",
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2016/07/24 19:10:51
authoririeman
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2016/07/24 19:10:21
authoririeman
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2016/07/24 19:06:00
authoririeman
body<html> <p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p> <p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p> <p>I had several reasons in mind to do so:&nbsp;</p> <p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p> <p>2. Saving for a car&nbsp;</p> <p>3. Saving for buying a home&nbsp;</p> <p>4. Saving for retirement &nbsp;&nbsp;</p> <p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p> <p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p> <p><strong>Time has become a scarce commodity</strong>&nbsp;</p> <p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p> <p><strong>What is really important in life</strong>&nbsp;</p> <p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p> <p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p> <p>1. Time and&nbsp;</p> <p>2. Money</p> <p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p> <p><strong>Having more money in the pocket</strong></p> <p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p> <p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p> <p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p> <p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p> <p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p> <p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p> <p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p> <p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p> <p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p> <p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p> <p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p> <p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p> <p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p> <p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p> <p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p> <p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p> <p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p> <p>Besides the big saving every month, I love to highlight the following:&nbsp;</p> <p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p> <p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p> <p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p> <p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p> <p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p> <p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p> <p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p> <p><img src="https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg"/> <img src="https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg"/> <p><img src="https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg"/> <img src="https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg"/> <p><img src="https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg"/> <img src="https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg"/> <p><img src="https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg"/> <img src="https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg"/> <br> </p> <p><strong>From the idea to reality</strong>&nbsp;</p> <p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p> </html>
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permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
titleHow buying a tiny house can make you richer while gaining more free time to pursue your passions?
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      "body": "<html>\n<p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p>\n<p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p>\n<p>I had several reasons in mind to do so:&nbsp;</p>\n<p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p>\n<p>2. Saving for a car&nbsp;</p>\n<p>3. Saving for buying a home&nbsp;</p>\n<p>4. Saving for retirement &nbsp;&nbsp;</p>\n<p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p>\n<p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p>\n<p><strong>Time has become a scarce commodity</strong>&nbsp;</p>\n<p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p>\n<p><strong>What is really important in life</strong>&nbsp;</p>\n<p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p>\n<p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p>\n<p>1. Time and&nbsp;</p>\n<p>2. Money</p>\n<p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p>\n<p><strong>Having more money in the pocket</strong></p>\n<p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p>\n<p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p>\n<p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p>\n<p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p>\n<p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p>\n<p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p>\n<p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p>\n<p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p>\n<p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p>\n<p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p>\n<p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p>\n<p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p>\n<p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p>\n<p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p>\n<p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p>\n<p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p>\n<p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p>\n<p>Besides the big saving every month, I love to highlight the following:&nbsp;</p>\n<p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p>\n<p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p>\n<p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p>\n<p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p>\n<p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p>\n<p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p>\n<p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p>\n<p><img src=\"https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg\"/>\n<img src=\"https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg\"/>\n<p><img src=\"https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg\"/>\n<img src=\"https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg\"/>\n<p><img src=\"https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg\"/>\n<img src=\"https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg\"/>\n<p><img src=\"https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg\"/>\n<img src=\"https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg\"/>\n<br>\n</p>\n\n<p><strong>From the idea to reality</strong>&nbsp;</p>\n<p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p>\n</html>",
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      "title": "How buying a tiny house can make you richer while gaining more free time to pursue your passions?"
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2016/07/24 19:05:12
authoririeman
body<html> <p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p> <p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p> <p>I had several reasons in mind to do so:&nbsp;</p> <p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p> <p>2. Saving for a car&nbsp;</p> <p>3. Saving for buying a home&nbsp;</p> <p>4. Saving for retirement &nbsp;&nbsp;</p> <p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p> <p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p> <p><strong>Time has become a scarce commodity</strong>&nbsp;</p> <p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p> <p><strong>What is really important in life</strong>&nbsp;</p> <p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p> <p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p> <p>1. Time and&nbsp;</p> <p>2. Money</p> <p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p> <p><strong>Having more money in the pocket</strong></p> <p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p> <p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p> <p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p> <p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p> <p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p> <p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p> <p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p> <p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p> <p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p> <p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p> <p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p> <p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p> <p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p> <p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p> <p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p> <p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p> <p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p> <p>Besides the big saving every month, I love to highlight the following:&nbsp;</p> <p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p> <p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p> <p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p> <p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p> <p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p> <p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p> <p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p> <p><img src="https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg"/> <img src="https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg"/> <p><img src="https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg"/> <img src="https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg"/> <p><img src="https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg"/> <img src="https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg"/> <p><img src="https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg"/> <img src="https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg"/> <br> </p> <p><strong>From the idea to reality</strong>&nbsp;</p> <p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p> </html>
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titleHow buying a tiny house can make you richer while gaining more free time to pursue your passions?
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      "body": "<html>\n<p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p>\n<p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p>\n<p>I had several reasons in mind to do so:&nbsp;</p>\n<p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p>\n<p>2. Saving for a car&nbsp;</p>\n<p>3. Saving for buying a home&nbsp;</p>\n<p>4. Saving for retirement &nbsp;&nbsp;</p>\n<p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p>\n<p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p>\n<p><strong>Time has become a scarce commodity</strong>&nbsp;</p>\n<p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p>\n<p><strong>What is really important in life</strong>&nbsp;</p>\n<p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p>\n<p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p>\n<p>1. Time and&nbsp;</p>\n<p>2. Money</p>\n<p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p>\n<p><strong>Having more money in the pocket</strong></p>\n<p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p>\n<p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p>\n<p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p>\n<p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p>\n<p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p>\n<p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p>\n<p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p>\n<p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p>\n<p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p>\n<p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p>\n<p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p>\n<p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p>\n<p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p>\n<p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p>\n<p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p>\n<p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p>\n<p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p>\n<p>Besides the big saving every month, I love to highlight the following:&nbsp;</p>\n<p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p>\n<p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p>\n<p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p>\n<p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p>\n<p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p>\n<p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p>\n<p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p>\n<p><img src=\"https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg\"/>\n<img src=\"https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg\"/>\n<p><img src=\"https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg\"/>\n<img src=\"https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg\"/>\n<p><img src=\"https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg\"/>\n<img src=\"https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg\"/>\n<p><img src=\"https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg\"/>\n<img src=\"https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg\"/>\n<br>\n</p>\n\n<p><strong>From the idea to reality</strong>&nbsp;</p>\n<p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p>\n</html>",
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2016/07/24 19:03:12
authoririeman
body<html> <p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p> <p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p> <p>I had several reasons in mind to do so:&nbsp;</p> <p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p> <p>2. Saving for a car&nbsp;</p> <p>3. Saving for buying a home&nbsp;</p> <p>4. Saving for retirement &nbsp;&nbsp;</p> <p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p> <p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p> <p><strong>Time has become a scarce commodity</strong>&nbsp;</p> <p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p> <p><strong>What is really important in life</strong>&nbsp;</p> <p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p> <p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p> <p>1. Time and&nbsp;</p> <p>2. Money</p> <p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p> <p><strong>Having more money in the pocket</strong></p> <p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p> <p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p> <p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p> <p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p> <p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p> <p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p> <p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p> <p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p> <p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p> <p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p> <p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p> <p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p> <p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p> <p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p> <p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p> <p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p> <p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p> <p>Besides the big saving every month, I love to highlight the following:&nbsp;</p> <p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p> <p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p> <p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p> <p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p> <p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p> <p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p> <p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p> <p><img src="https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg"/> <img src="https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg"/> <p><img src="https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg"/> <img src="https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg"/> <p><img src="https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg"/> <img src="https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg"/> <p><img src="https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg"/> <img src="https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg"/> <br> </p> <p><strong>From the idea to reality</strong>&nbsp;</p> <p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p> </html>
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      "body": "<html>\n<p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p>\n<p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p>\n<p>I had several reasons in mind to do so:&nbsp;</p>\n<p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p>\n<p>2. Saving for a car&nbsp;</p>\n<p>3. Saving for buying a home&nbsp;</p>\n<p>4. Saving for retirement &nbsp;&nbsp;</p>\n<p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p>\n<p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p>\n<p><strong>Time has become a scarce commodity</strong>&nbsp;</p>\n<p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p>\n<p><strong>What is really important in life</strong>&nbsp;</p>\n<p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p>\n<p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p>\n<p>1. Time and&nbsp;</p>\n<p>2. Money</p>\n<p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p>\n<p><strong>Having more money in the pocket</strong></p>\n<p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p>\n<p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p>\n<p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p>\n<p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p>\n<p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p>\n<p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p>\n<p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p>\n<p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p>\n<p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p>\n<p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p>\n<p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p>\n<p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p>\n<p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p>\n<p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p>\n<p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p>\n<p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p>\n<p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p>\n<p>Besides the big saving every month, I love to highlight the following:&nbsp;</p>\n<p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p>\n<p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p>\n<p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p>\n<p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p>\n<p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p>\n<p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p>\n<p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p>\n<p><img src=\"https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg\"/>\n<img src=\"https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg\"/>\n<p><img src=\"https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg\"/>\n<img src=\"https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg\"/>\n<p><img src=\"https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg\"/>\n<img src=\"https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg\"/>\n<p><img src=\"https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg\"/>\n<img src=\"https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg\"/>\n<br>\n</p>\n\n<p><strong>From the idea to reality</strong>&nbsp;</p>\n<p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p>\n</html>",
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      "title": "How buying a tiny house can make you richer while gaining more free time to pursue your passions?"
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2016/07/24 19:03:00
authoririeman
body<html> <p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p> <p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p> <p>I had several reasons in mind to do so:&nbsp;</p> <p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p> <p>2. Saving for a car&nbsp;</p> <p>3. Saving for buying a home&nbsp;</p> <p>4. Saving for retirement &nbsp;&nbsp;</p> <p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p> <p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p> <p><strong>Time has become a scarce commodity</strong>&nbsp;</p> <p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p> <p><strong>What is really important in life</strong>&nbsp;</p> <p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p> <p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p> <p>1. Time and&nbsp;</p> <p>2. Money</p> <p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p> <p><strong>Having more money in the pocket</strong></p> <p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p> <p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p> <p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p> <p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p> <p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p> <p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p> <p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p> <p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p> <p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p> <p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p> <p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p> <p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p> <p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p> <p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p> <p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p> <p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p> <p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p> <p>Besides the big saving every month, I love to highlight the following:&nbsp;</p> <p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p> <p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p> <p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p> <p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p> <p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p> <p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p> <p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p> <p><img src="https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg"/> <img src="https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg"/> <p><img src="https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg"/> <img src="https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg"/> <p><img src="https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg"/> <img src="https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg"/> <p><img src="https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg"/> <img src="https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg"/> <br> </p> <p><strong>From the idea to reality</strong>&nbsp;</p> <p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p> </html>
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      "author": "irieman",
      "body": "<html>\n<p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p>\n<p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p>\n<p>I had several reasons in mind to do so:&nbsp;</p>\n<p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p>\n<p>2. Saving for a car&nbsp;</p>\n<p>3. Saving for buying a home&nbsp;</p>\n<p>4. Saving for retirement &nbsp;&nbsp;</p>\n<p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p>\n<p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p>\n<p><strong>Time has become a scarce commodity</strong>&nbsp;</p>\n<p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p>\n<p><strong>What is really important in life</strong>&nbsp;</p>\n<p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p>\n<p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p>\n<p>1. Time and&nbsp;</p>\n<p>2. Money</p>\n<p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p>\n<p><strong>Having more money in the pocket</strong></p>\n<p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p>\n<p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p>\n<p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p>\n<p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p>\n<p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p>\n<p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p>\n<p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p>\n<p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p>\n<p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p>\n<p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p>\n<p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p>\n<p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p>\n<p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p>\n<p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p>\n<p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p>\n<p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p>\n<p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p>\n<p>Besides the big saving every month, I love to highlight the following:&nbsp;</p>\n<p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p>\n<p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p>\n<p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p>\n<p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p>\n<p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p>\n<p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p>\n<p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p>\n<p><img src=\"https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg\"/>\n<img src=\"https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg\"/>\n<p><img src=\"https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg\"/>\n<img src=\"https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg\"/>\n<p><img src=\"https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg\"/>\n<img src=\"https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg\"/>\n<p><img src=\"https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg\"/>\n<img src=\"https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg\"/>\n<br>\n</p>\n\n<p><strong>From the idea to reality</strong>&nbsp;</p>\n<p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p>\n</html>",
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2016/07/24 19:01:33
authoririeman
permlinkhow-buying-a-tiny-house-can-make-you-richer-while-gaining-more-free-time-to-pursue-your-passions
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2016/07/24 19:01:33
authoririeman
body<html> <p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p> <p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p> <p>I had several reasons in mind to do so:&nbsp;</p> <p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p> <p>2. Saving for a car&nbsp;</p> <p>3. Saving for buying a home&nbsp;</p> <p>4. Saving for retirement &nbsp;&nbsp;</p> <p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p> <p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p> <p><strong>Time has become a scarce commodity</strong>&nbsp;</p> <p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p> <p><strong>What is really important in life</strong>&nbsp;</p> <p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p> <p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p> <p>1. Time and&nbsp;</p> <p>2. Money</p> <p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p> <p><strong>Having more money in the pocket</strong></p> <p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p> <p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p> <p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p> <p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p> <p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p> <p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p> <p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p> <p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p> <p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p> <p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p> <p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p> <p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p> <p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p> <p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p> <p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p> <p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p> <p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p> <p>Besides the big saving every month, I love to highlight the following:&nbsp;</p> <p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p> <p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p> <p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p> <p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p> <p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p> <p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p> <p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p> <p><img src="https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg"/> <img src="https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg"/> <p><img src="https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg"/> <img src="https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg"/> <p><img src="https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg"/> <img src="https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg"/> <p><img src="https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg"/> <img src="https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg"/> <br> </p> <p><strong>From the idea to reality</strong>&nbsp;</p> <p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p> </html>
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      "body": "<html>\n<p>&nbsp;Isn´t it funny that in most cases our first association with making more money is to work harder and longer, to get a “better” job, or improve on educational level to increase our income? These are all the thoughts that have come to my mind at first, too, when thinking about all the things that I wanted to do in life where money would be a good thing to have. &nbsp;</p>\n<p>Nevertheless, I was also aware that most of these ideas would result in giving up more free time. If you think about it life can be quite short and time very valuable. Why even giving up more of this precious good?&nbsp;</p>\n<p>I had several reasons in mind to do so:&nbsp;</p>\n<p>1. Saving for a higher independence / freedom to take on new challenges without having to worry about that savings wouldn’t last&nbsp;</p>\n<p>2. Saving for a car&nbsp;</p>\n<p>3. Saving for buying a home&nbsp;</p>\n<p>4. Saving for retirement &nbsp;&nbsp;</p>\n<p>All of these saving goals require quite a bit of monthly savings. These were all good reasons for me to achieve, to give up even more free time and earn more money for a higher security, independency and being life-long debt free.&nbsp;</p>\n<p>I met the love of my life a few years ago while studying in the US. The two of us have the same ideologies and strive for being as independent and debt free as possible in the future. We were both willing to sacrifice some time to accomplish this. However, our thoughts have changed – quite a bit. &nbsp;</p>\n<p><strong>Time has become a scarce commodity</strong>&nbsp;</p>\n<p>We both graduated from renowned US universities and got good jobs. Now, time has become a scarce commodity. Do we really want to give up even more of this precious time to make more money? Do we want to give up our saving goals instead? What if we answer both questions with no – does that make sense, is there a way to make it happen? What could be a solution? I have thought about this for over a year now. &nbsp;</p>\n<p><strong>What is really important in life</strong>&nbsp;</p>\n<p>What do we really need in life, what makes us happy and matters to us the most? I think we all know that money is not the answer here. How about spending more time with your partner and your loved ones? How about travelling? How about pursuing your dreams? I think this list could be endless.. and for many, working harder and longer is most likely not in the top 10.&nbsp;</p>\n<p>If one boils it down, you might consider two things that would be good to have to enjoy the things mentioned above:</p>\n<p>1. Time and&nbsp;</p>\n<p>2. Money</p>\n<p>So what could be the answer to focusing more on what is really important in life by having more free time and money but not having to work harder and longer? &nbsp;</p>\n<p><strong>Having more money in the pocket</strong></p>\n<p>Many people are often thinking about increasing their income, have you ever thought about the expense side? How much could you cut down your expenses? Every dollar that you could cut down, is as good as increasing one dollar on the income side, but you might not have to give up much for it, maybe even nothing. Could this be something?&nbsp;</p>\n<p>A year ago, I started running through my monthly expenses and quickly came to the conclusion that there is not enough potential for a “big” saving. It would be a dollar here and there, but nothing substantially enough to make it worthwhile.&nbsp;</p>\n<p>At that time, I did not think out of the box enough - It is not about simply cutting expenses it is about questioning the reason behind the expenses. This is what can bring the biggest savings and big savings mean more money in the pocket at the end of the day.&nbsp;</p>\n<p><strong>What makes you happy the most, is this expressed in your expenses, too?</strong>&nbsp;</p>\n<p>If you look at your top expense positions (e.g. rent/loan rate) and you cannot answer the question above with a clear “yes” – I have a few interesting thoughts for you. I choose the rent / loan rate as an example:</p>\n<p>1. How many days per week do you have to work to cover the rent / loan rate?&nbsp;</p>\n<p>2. How much do you even spend cleaning the house and maintaining it?&nbsp;</p>\n<p>3. How many sqm do you effectively use? Do you really need every single sqm every day/week/month or has quite a bit just become storage space for things that you have not touched in days/weeks/month?&nbsp;</p>\n<p>4. How many hours do you effectively spend in the house, really enjoying it?&nbsp;</p>\n<p>Many people come to the conclusion that their answer to number one is 1/3 or even more of their income,meaning they have to work 1/3 of the month just to afford living in their house – wow, this is quite a lot isn’t it? After one third of the month you still have not covered any further expenses and earned money which you can put as savings aside. Many might also use a lot of sqm to store things that they accrued over years but do not really need anymore. And if you really add up the time per week where you can really enjoy the house it is not too much afterall, deducting sleeping time, time spend at work, sports and other activities.&nbsp;</p>\n<p>How about taking a few sqm off the house and flipping it into more time and cash? How does that sound? &nbsp;</p>\n<p><strong>Rethinking living – Downsizing for good reasons</strong>&nbsp;</p>\n<p>Can there be a substantial saving here? I can truly answer this question with “yes”. Let´s do a simple calculation. Let´s say you consider getting a mortgage for a house worth 300.000 USD at an interest rate of 3% and a monthly principal paydown of 1,250 USD. This would take you 30 years to pay off. What is the total cost over the lifetime until it is paid off?&nbsp;</p>\n<p>If you add up the loan (300.000 USD) plus all interest payments (160.000 USD) you derive at 460.000 USD. Is it really worth it to give up 1/3 of your lifetime for the next 30 years only to have a big house which even consumes more time cleaning it and which you might not use that extensively afterall?&nbsp;</p>\n<p>What if there was a living solution for only 30.000 USD, which would only be 125 USD principal paydown every month, meaning you would have an additional 1.125 USD in your pocket – every month! You could still work the same – or even consider reducing your working hours by almost 1/3. How does that sound?&nbsp;</p>\n<p><strong>More money, more free time - The tiny house dream</strong>&nbsp;</p>\n<p>We are ready for a downsize, we are ready for more free time and more cash in our pockets. We know that this also comes with sacrifices we have to make but we know this accomplishes far more – having more time and money for things which are really important to us in life such as family, loved ones and pursuing all of the dreams we have in mind – we are ready for a tiny house!&nbsp;</p>\n<p>Besides the big saving every month, I love to highlight the following:&nbsp;</p>\n<p>1. <strong>Very environmental friendly</strong> - due to less raw materials used to produce it, lower consumption of energy, e.g. for heating the space&nbsp;</p>\n<p>2. <strong>Portable</strong> – Most of these houses are built on a trailer – if your lifestyle, your location of employment changes, simply attach it to the car and move on&nbsp;</p>\n<p>3. <strong>More freetime</strong> – e.g. due to less time spend on cleaning&nbsp;</p>\n<p>4. <strong>Encourages family bonding</strong> – a smaller home results in more social interaction&nbsp;</p>\n<p>5. <strong>Less expenses</strong> – e.g. for heating, on decoration or any other item for the house, there is just less space&nbsp;</p>\n<p>6. <strong>Mentally freeing</strong> – “The more we own, the more they own us.” And the more stuff we own, the more mental energy is held hostage by them. &nbsp;</p>\n<p>Are these a few good reasons? But after all, how does such a house look like you may ask? Here are some impressions: …&nbsp;</p>\n<p><img src=\"https://s32.postimg.org/iyr7wtfad/54c4a55e91b59_tinywood_house_2_de_s2.jpg\"/>\n<img src=\"https://s32.postimg.org/5vvldjp2d/a01f237717067ee2bc03af6c326ac4c2.jpg\"/>\n<p><img src=\"https://s32.postimg.org/vsp9q5spx/brisbane_tiny_house_4.jpg\"/>\n<img src=\"https://s32.postimg.org/sn4nzya3p/cdbbf5_7f31d4869b2e475f84693148ad491d5e_jpg_srb.jpg\"/>\n<p><img src=\"https://s32.postimg.org/kiwjv7nol/gallery_54f0d9d889efa_01_millertinyhouse_048_e.jpg\"/>\n<img src=\"https://s32.postimg.org/6qmqdbmat/minimum_house_15eccf17817ba15f.jpg\"/>\n<p><img src=\"https://s32.postimg.org/b11e8wrdx/stunning_tiny_house_vacation_with_sauna_hope_cot.jpg\"/>\n<img src=\"https://s32.postimg.org/i5j7hxyn9/tiny_house_basics_shelley_joshua_7_jpg_662x0_q70.jpg\"/>\n<br>\n</p>\n\n<p><strong>From the idea to reality</strong>&nbsp;</p>\n<p>We are now in the process of designing our own tiny house. We found a great, small company which builds beautiful, totally customized and cute tiny houses in the range of 20 – 35.000 USD and we would love to share this adventure with as many people as possible and bring on the tiny house community to steemit!!! We are super excited and can´t wait to share our next steps with you :)! &nbsp;&nbsp;&nbsp;</p>\n</html>",
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blocktradespowered up 1.462 STEEM to @irieman
2016/07/19 19:56:45
amount1.462 STEEM
fromblocktrades
toirieman
Transaction InfoBlock #3340015/Trx b074ebb4dd2180cf7bfc1a074ac5fdf660b33fdd
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  "timestamp": "2016-07-19T19:56:45",
  "trx_id": "b074ebb4dd2180cf7bfc1a074ac5fdf660b33fdd",
  "trx_in_block": 15,
  "virtual_op": 0
}
blocktradespowered up 28.800 STEEM to @irieman
2016/07/19 19:56:45
amount28.800 STEEM
fromblocktrades
toirieman
Transaction InfoBlock #3340015/Trx 2518a06974cc89d2a76eeee09ee92e26fcdb7d3b
View Raw JSON Data
{
  "block": 3340015,
  "op": [
    "transfer_to_vesting",
    {
      "amount": "28.800 STEEM",
      "from": "blocktrades",
      "to": "irieman"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2016-07-19T19:56:45",
  "trx_id": "2518a06974cc89d2a76eeee09ee92e26fcdb7d3b",
  "trx_in_block": 0,
  "virtual_op": 0
}
blocktradespowered up 59.633 STEEM to @irieman
2016/07/19 19:56:42
amount59.633 STEEM
fromblocktrades
toirieman
Transaction InfoBlock #3340014/Trx 0e2c33c907ef3da1dffc124e7a20eb892c9f83e7
View Raw JSON Data
{
  "block": 3340014,
  "op": [
    "transfer_to_vesting",
    {
      "amount": "59.633 STEEM",
      "from": "blocktrades",
      "to": "irieman"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2016-07-19T19:56:42",
  "trx_id": "0e2c33c907ef3da1dffc124e7a20eb892c9f83e7",
  "trx_in_block": 10,
  "virtual_op": 0
}
steemcreated a new account: @irieman
2016/07/18 16:59:24
active{"account_auths":[],"key_auths":[["STM5JjJaxrouwc7WtdSZaQtx17vb7b5EwabKFxwF2AfMedUaNAo8D",1]],"weight_threshold":1}
creatorsteem
fee5.000 STEEM
json metadata
memo keySTM7tVoZoRcjcrJpNCdawTvus1tVtUwPmMUgSV2wmY82TPySRbEwF
new account nameirieman
owner{"account_auths":[],"key_auths":[["STM7vtPYqpJrErknJ5S83XafAvyKvrxYAKXP7iiPTdWaQoRrGxeZZ",1]],"weight_threshold":1}
posting{"account_auths":[],"key_auths":[["STM7ATQmRxVhPrZPjkJ863PsPHS76jujCUBjCi2bAZXx9icHWDEN8",1]],"weight_threshold":1}
Transaction InfoBlock #3307893/Trx abf0d1099f0e307e91c5d6dfb8c2099c484c4a53
View Raw JSON Data
{
  "block": 3307893,
  "op": [
    "account_create",
    {
      "active": {
        "account_auths": [],
        "key_auths": [
          [
            "STM5JjJaxrouwc7WtdSZaQtx17vb7b5EwabKFxwF2AfMedUaNAo8D",
            1
          ]
        ],
        "weight_threshold": 1
      },
      "creator": "steem",
      "fee": "5.000 STEEM",
      "json_metadata": "",
      "memo_key": "STM7tVoZoRcjcrJpNCdawTvus1tVtUwPmMUgSV2wmY82TPySRbEwF",
      "new_account_name": "irieman",
      "owner": {
        "account_auths": [],
        "key_auths": [
          [
            "STM7vtPYqpJrErknJ5S83XafAvyKvrxYAKXP7iiPTdWaQoRrGxeZZ",
            1
          ]
        ],
        "weight_threshold": 1
      },
      "posting": {
        "account_auths": [],
        "key_auths": [
          [
            "STM7ATQmRxVhPrZPjkJ863PsPHS76jujCUBjCi2bAZXx9icHWDEN8",
            1
          ]
        ],
        "weight_threshold": 1
      }
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2016-07-18T16:59:24",
  "trx_id": "abf0d1099f0e307e91c5d6dfb8c2099c484c4a53",
  "trx_in_block": 0,
  "virtual_op": 0
}

Account Metadata

POSTING JSON METADATA
None
JSON METADATA
None
{
  "posting_json_metadata": {},
  "json_metadata": {}
}

Auth Keys

Owner
Single Signature
Public Keys
STM7vtPYqpJrErknJ5S83XafAvyKvrxYAKXP7iiPTdWaQoRrGxeZZ1/1
Active
Single Signature
Public Keys
STM5JjJaxrouwc7WtdSZaQtx17vb7b5EwabKFxwF2AfMedUaNAo8D1/1
Posting
Single Signature
Public Keys
STM7ATQmRxVhPrZPjkJ863PsPHS76jujCUBjCi2bAZXx9icHWDEN81/1
Memo
STM7tVoZoRcjcrJpNCdawTvus1tVtUwPmMUgSV2wmY82TPySRbEwF
{
  "owner": {
    "weight_threshold": 1,
    "account_auths": [],
    "key_auths": [
      [
        "STM7vtPYqpJrErknJ5S83XafAvyKvrxYAKXP7iiPTdWaQoRrGxeZZ",
        1
      ]
    ]
  },
  "active": {
    "weight_threshold": 1,
    "account_auths": [],
    "key_auths": [
      [
        "STM5JjJaxrouwc7WtdSZaQtx17vb7b5EwabKFxwF2AfMedUaNAo8D",
        1
      ]
    ]
  },
  "posting": {
    "weight_threshold": 1,
    "account_auths": [],
    "key_auths": [
      [
        "STM7ATQmRxVhPrZPjkJ863PsPHS76jujCUBjCi2bAZXx9icHWDEN8",
        1
      ]
    ]
  },
  "memo": "STM7tVoZoRcjcrJpNCdawTvus1tVtUwPmMUgSV2wmY82TPySRbEwF"
}

Witness Votes

0 / 30
No active witness votes.
[]