Posts Tagged “money”

When you live the hobo lifestyle, many people will mistakenly assume that you’re either a trustafarian or you’ve won the lotto. We’ve had many people comment “oh you must be rich” when we tell them how we live.

Rich in spirit, mind, body and soul maybe, but financially, we are not (yet! hah!).

Most people don’t believe it, but you really don’t need to be rich to take an extended travel sabbatical and see the sights you’ve always wanted to see. All it takes is the determination to work out the details and finance the trip.

No More Excuses!

If you’re thinking of hitting the road but your finances, job, family, pet or health situation is keeping you from doing it, stop right now and pick up a copy of “Answers to the Common Excuses Not to Travel Full-Time.”

Our NuRVer friends Chris and Cherie recently published a useful 78-page e-book that addresses 15 different excuses that people make for not living the travel lifestyle they’ve always dreamed of. From figuring out how to get rid of your stuff, to planning for health care and making a living, “Answers to the Common Excuses” will motivate you to put your dream in motion.

Available on a pay-what-it’s-worth-to-you basis, just just follow this link to pick up your copy today!

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For the last few mornings, snow has been blanketing the mountainside but melting off by noon. This is nature’s not-so-subtle warning that one day very soon, we’ll wake up with four feet of the white stuff and have to dig our way out of here. Before that happens, we’ve been making progress getting the rig loaded, checking off lists and eating through our gigantic freezer.

Recently I got into a discussion with a friend about whether or not it was cheaper to stay home or hit the road.

I believe being on the road is cheaper.  How about you?

If you know what you’re doing, it’s possible to live more cheaply in an RV than a stick house (provided that you don’t have mortgage or rent to cover).

Being the meticulous bookeeper that I am, I track all of our expenses in Quickbooks. Here’s a general breakdown of what we spent four months at a time on the road, and here at Jerry’s Acres.

January 2010 to April 2010 (on the road)

Booze & Entertainment: $364

Food & Dining Out: $1798

Health & Beauty: $19

Campgrounds: $537

Pet Expenses: $624

Home Repair: $115

Truck Repair: $39

Utilities: $217

Fuel: $1090

TOTAL: $4,803 ($1,201 per month avg cost)


May 2010 to September 2010 (at Jerry’s Acres)

Booze & Entertainment: $400

Food & Dining Out: $2915

Health & Beauty: $138

Pet Expenses: $987

Home Repair $506

Truck Repair: $556

Utilities: $590

Fuel: $1563

TOTAL: $7,655 ($1,913 per month avg cost).

This excludes business expenses, one-time building upgrades, and static monthly costs like taxes, insurance and club dues. These costs are for two people and one dog.

But yes, living in a stick house is indeed more expensive! Even up here on a remote mountaintop, we find things to indulge in. We eat way more high end good eats when we have a full-sized refrigerator to stock, and a large kitchen to make a mess in. Also, driving the one hour each way to town isn’t cheap either, which is why we only do it twice a week to take Wyatt to his lessons and stock up.

My own tips for living cheaply on the road include:

  1. Invest in a good solar setup. Doing so will save hundreds by allowing you to boondock in free places.
  2. Never pay full price for a campground. Passport America and Escapees are the only two discount camping clubs worth the cost. Passport’s 50 percent discount will pay for itself the first time you use it and Escapees 10 percent savings will pay for itself after a few nights. If you’re too cheap to do that, good sites like FreeCampgrounds.com, RVParking.com and FreeCampsites.net are good sites to search.
  3. Buy the $10 Escapees Day’s End Directory. This guide to free and cheap boondocking spots all over the country will save you tons of money.
  4. Diesel rigs are the way to go. While diesel may not always be the cheapest fuel, the mileage you get out of a tank will be better than with a gas engine. And their power kicks butt on the highway!
  5. Stay away from popular places and touristy areas. You’ll pay three times what you would normally pay for a comparable campground outside the entertainment zone. There’s so much more to see outside of these crowded areas.
  6. Eat in! It’s tempting to try every new eatery in every town you go through, but save those for special occasions.

We’ll have more tips for you as we head out for our fourth winter on the road. Until then, stay warm and be sure to point your rig west…we’ll see you in the desert!

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We all know the truth, yet how many of us avoid seeing it?

Our lives go by too fast, and one day we’re left wondering, “what happened?” All those cool things we dreamed of when we were younger got put on the “someday” list while we we were being “responsible” workers or entrepreneurs, attempting to carve out a reputation (hopefully good), keep our heads above water and stash some money away for that “someday” when we were going to get to do what we really wanted to do.

The trouble with that scenario, as many of you know, is that someday usually arrives when we’re far too old and decrepit, or dead, to enjoy it.

I’m not knocking those pursuits. Hey, if you want to be the fat man in the BMW, that’s your prerogative. But Jim and I always wanted so much more than a status symbol with a balance due.

From 2001 to 2006, a series of events led Jim and I to chuck it all and say “screw it” to the conventional life we were leading. Those events, though tragic and hopeless at the time, turned out to be blessings in disguise.

Because although we thought we had carved out a life that was adventurous, when we finally added up how much time we spent at our desks, versus living life with Jerry doing cool stuff in the woods, work always won.

Even as entrepreneurs, we were robbing ourselves of the very freedom that being self-employed was supposed to bring to us!

Once Jerry got sick, we knew time was of the essence. It was our chance to spend the last of our days together, living a life without routines or obligations or bills. With dogged pursuit and prayers to the universe, we made it happen. It was probably the first time we realized that all things truly are possible, if you truly want it bad enough.

Live Your Dreams, Work Less

Which leads me to the whole point of this post; right now we are listening to a life-changing book by Tim Ferris, called “The 4-Hour Workweek.”

  • If you have ever considered shedding your current lifestyle for one that you know will bring you true spiritual happiness, this book is for you.
  • If you’re in dire need of a real income, you can’t afford not to get this book.
  • If you have ever wanted to live an adventurous life instead of toiling away in your cubicle, this book is for you.
  • If you want to know how to keep your life on track without letting things like Facebook, television and the pursuit of money suck the life out of you, you must read this book.

I”m not getting paid to write this, Tim Ferris never even sent me a review copy. I was told about this book by fellow adventure traveler, Sam, who urged Jim and I to check it out. I had always heard about it but the title put me off; it sounded like a cheesy get-rich-quick self-help book. But Sam’s a smart guy, and he’s got a good life with Kim, on the road and at their rancho in New Mexico, so I decided to get the download, and now I can’t stop thinking about it. Thanks Sam!

“Whether you’re an overworked employee or an entrepreneur trapped in your own business, The 4-Hour Workweek is the compass for a new and revolutionary world.

Forget the old concept of retirement and the rest of the deferred-life plan—there is no need to wait and every reason not to.

Whether your dream is escaping the rat race, high-end world travel, monthly five-figure income with zero management, or just living more and working less, this book is the blueprint.”

We are only into the first hour, but already we’re digging it. Everything Ferris says, we can relate to; we’ve already made the move to live a life that brings us real inner happiness, so we nod in agreement with everything he says, laughing and raising our fists going “Yeah!”

Where we are finding The 4-Hour Workweek more applicable to our lives is in how Ferris demonstrates how to be more efficient at making money, while pursuing the adventures that we want. That’s where Jim and I need the help (especially when it comes to making money!).

Stop shouldding all over yourself. Soon you’ll be dead, or close to it. Will you be able to look at your life and feel content, knowing that your dreams were fulfilled to your heart’s desire?

Or will you have spent the best part of your years as the fat man in the BMW, sitting in traffic, wishing you could be somewhere else?

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Our rig has been parked on the streets of L.A. for the last few weeks, while we catch up on the chisme with family and friends. Life here is as hectic and noisy as it gets, and every day Jim and I are reminded of why we chose to leave urban living behind.

We started 2009 with one goal; find Jerry’s Acres. Seven months into it, we did. Our Colorado retreat now sits underneath several feet of snow, waiting for our return.

With that behind us, we’re getting the other big part of our life in order, namely, making a real income again.

Our defnition of “real income” is different from most people’s. While we would love to be able to spend money on the finer things in life (like picking up a $20 bottle of wine instead of our old standard, Two Buck Chuck), we also aren’t willing to surrender our freedom in order to do so. My very short gig at Satan’s Castle was a good reminder about that.

People wonder, what do we do. How do we make any money? Well, we don’t do any one particular thing anymore. We don’t want to have one business again. And we don’t want to rely on one job to bring in money. We believe that putting all of your eggs in one basket is risky business, much moreso than varying your skills and finding multiple ways to generate income.

For us now, tiny bits of money trickle in from various web-based outlets that utilize our technical, design and writing skills. In 2010, we’ll work on building up our income revenue streams in these areas.

The money is iffy, the hours are long and uncertainty always looms over our heads, but we are much happier than we ever were in our previous lives. While we are still officially in the red and dipping into savings, I know that 2010 will be the year we are back in black, finally. It would be great if we could actually contribute to our retirement accounts once more. When that happens, I’ll know that we’ve truly been successful these last two and a half years.

On that note, I’ll say “Adios!” to 2009, and give 2010 a great big welcome. May this year bring the prosperity, joy and peace that we all need more of in our lives.

And many thanks to all of you for being a part of our world. Life would be pretty boring without you!

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It wasn’t the work that did me in. It was the fact that I cannot be part of an organization that does not value the Individual.

From high school to my first office job at an insurance company, large impersonal institutions and I just never got along. Had I remembered this before I decided to work at Satan’s Castle, I could have spared myself some grief (and been in a warmer climate by now).

Last week we were supposed to start 12 hour shifts, but instead, almost every day, we got sent home after just a few hours of work. “The volume isn’t there,” said the outbound shipping department manager. Soon it became clear that the long hours and overtime Satan used as bait wasn’t going to materialize. His cheerleaders have been hitting the airwaves on NPR and CNBC, yet things have been very, very slow for us here at the Nevada warehouse.

With each shift cut short, I wondered if I was going to be able to cover the cost of December’s rent at the RV park. My patience was wearing thin.

Even more frustrating was that I just learned via Workamper that the lower-paid cogs in Kansas are getting more hours than we are. My theory is that Satan is cutting costs by shifting the bulk of the work to locations that pay less.

The Final Ingredients

Sunday morning, one of Satan’s minions walked up to me with a clipboard in hand. She was one of the nicer ones, who actually tried to remember workers’ names. The first thing she said when she saw me was “Rene, you’re going to hate me.

She put her clipboard on my workstation, and showed me a warning notice that said I wasn’t “making the numbers,” one week into another outbound shipping job I was put on. The warning was based on the volume I processed, just two days into the new job.

I was stunned, because the Agency’s rules state that we have four weeks to get numbers up to that level. Yeah, I knew I was slow during my first few days, but for the last three days, I had consistently “made the numbers.” I couldn’t understand why I was getting a warning based on week-old volume.

The notice stated it was a “Final Warning,” but this was technically my second, because I had been kicked out of my first job for not being a “team player.” Every employee is supposed to receive three warnings before getting fired.

As a final insult, my name was misspelled on the warning.

Satan’s Minion was asking for my signature to acknowledge the warning. But I didn’t, and instead I said to her “They’re full of crap. This is only my second warning, and I was told I have four weeks to get to that production level. Why aren’t they following their own rules?

The Minion got a distressed look on her face, and then out of nowhere, she started crying.

I’m so sorry Rene! I hate this job! This is all I do all day long, and I only get fifty cents an hour more than you do! Yesterday I had to fire a 70 year old lady with Parkinson’s because she couldn’t make the numbers. They’re having me fire people after just a few days into training. This place is horrible! I just put in my two week notice because I can’t take it anymore!

She stood there crying, while I looked on, stunned. She was very pregnant, and said she really needed the money, but she just couldn’t work for a place that treated people like crap.

I felt badly for her, but I was going to stand my ground.

I refused to sign it. I told her “I’m sorry, but I want them to tell me why this is a ‘Final Warning,’ and why I’m being expected to meet Week Four quotas. They’re ignoring their own rules. I won’t sign it, I can’t.

She agreed it was wrong, and she said she would look into it, but couldn’t promise anything. Then she left, and five minutes later, another minion came by to announce that we all had to go home, two hours into our shift. There wasn’t enough work. “Come back tomorrow,” she yelled to us.

What’s It Worth?

As I clocked out and walked through the metal detector exit, my head was spinning. Could I stand working there for just four more weeks? Could I live with the uncertainty of the hours I was getting, or of being fired any minute without just cause? What if all this agony doesn’t even cover the $400 in rent I had just paid for December?

On my way home, I remembered that the RV park owner had said that if things didn’t work out during the first four days of the month, she would refund the rent and charge me a daily rate. That’s when I knew what I had to do.

I pulled into the park and stopped at the office. I asked the manager if I could take her up on that offer. Thankfully, she did.

I went to the rig, and told Jim what happened.

I won’t work for a company that relies on fear tactics and bullying. Maybe some people can tolerate that kind of environment, but I won’t. I have my self-respect, and cash-crunch or not, know I am worthy of better treatment. Life is too short.

Then I picked up the phone, and made my stand. I called Satan’s Agency to tell them I quit.

Jim is thrilled, and now I feel like a huge anvil has been lifted off my head.

Looking back, I realize that I took this job because I was letting fear rule my life. Almost three years into our sabbatical, our dwindling savings account is telling me that we have to get serious about making money. But instead of buckling down and earnestly working to make our new business venture happen, I opted for what I thought was the quick and easy way out; the false sense of security one gets with a paycheck. What a sham.

Instead of following our dream, I took the paved road to hell, and paid dearly for it.

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