Category Archives: Housing

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This post from Femme Vitale raises thoughtful issues about tiny houses and freedom to live as you wish, with links for folks seeking more information. Tiny houses offer a practical way for people to cope with limits created by debt, job shortages, and slow economic growth. Maybe tiny houses will change the size of the American Dream. Zoning laws need to be updated to provide places for tiny houses, preferably mixed in with housing of other sizes. Add major improvements in public transportation, and the future suddenly looks quite appealing. — John Hayden

dreamrly's avatarFemme Vitale

Lately, I have been extremely discouraged by what I believe are very critical challenges facing my generation. One of the primary challenges I see is the crippling amount of debt accumulated by the average American college graduate in times of intense competition for work. In this climate in which individuals step out into the world with tens of thousands of dollars of debt, the dream of owning a home can seem impossible, even with a decent job. Furthermore, the prospect of taking on a huge mortgage, working for years just to pay off the interest, and paying off the home just in time for retirement  is not especially appealing. Because we live in a society that is becoming more and more nomadic, and because children rarely choose to live where they were raised, working an entire life just to pay off a mortgage does not, in essence, better the next…

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The Ultimate RV Downsize

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The concept of living in a very small house fascinates at least some readers of my blog. Here is an extremely thoughtful post about homelessness, and some options for moveable shelter. These ideas probably beat sleeping in your car.

barbara's avatarThe RVing Lifestyle

Talk about innovative, this shopping cart pop-up would have to take the prize.  Shelter comes in many shapes and sizes as you can see but I totally get it. If our economy continues to decline we will see more of the camper kart pop-ups.

State of Homelessness in America 2011

Since the release of Homelessness Counts: Changes in Homelessness from 2005 to 2007, the Alliance has chronicled changes in the levels of homelessness in the nation and in individual states and communities to chart the progress toward the goal of ending homelessness. This comprehensive examination not only reveals national and state level homeless counts, but also delves into economic indicators and demographic drivers – taking an in-depth look at risk factors for homelessness. Built upon the most recent nationally available data from the federal Departments of Housing and Urban Development, Health and Human Services, Justice, and other…

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our family workspace

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As someone who’s writing a book in the same (one) room that I live in, I’m always impressed by people who know how to organize. Here’s a blogger who knows how to organize a workspace with flair!

The photographer/mom even tells you how to create a homemade chalkboard using paint (see the photos of the teal green tabletop).

Tiny House News from Smalltopia

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Those of you who are fans or members of the tiny-house movement will get a kick out of this post about the completion of a brand new house, with lots of photos, over at the RK blog. Enjoy.

Living Small In The Big Apple

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When I think about the tiny house movement, I usually think “rural.” But I suspect a lot more folks are living large in a small space in big cities, than in the countryside. Makes sense, because in cities, you calculate rent by the square foot.

Here’s an extreme example, and just goes to show what you can do, if you’re organized (and don’t own a lot of stuff).

(Quick-take rating for this post: 69 words.)

Rightsizing Your House

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How much living space do I need?

This week, I discovered a new community of  small, bare-bones cottages here on the Eastern Shore of Maryland, and it got me thinking about how much space is enough.

A lot of folks are intrigued by the tiny house concept. These cottages probably don’t quite meet the standard for “tiny.” Most are one-bedroom, living room, bath, and galley kitchen. Some have two bedrooms. You can look here for more pictures and floor plans.  The rooms are SMALL, but the Web site doesn’t give dimensions.

I estimate the cottages have about as much space as a small,  one-bedroom garden apartment. No doubt, many people in Manhattan live in high-rise apartments smaller than this. And tiny “alley” rowhouses were once commonplace in Baltimore.

This is no-frills living, but I prefer to think of it as a simple lifestyle. You get a front door, a few small windows, a roof. A small closet, but none of the clever, built-in storage niches you find in custom-built tiny houses. You want amenities? The community has a laundry room with  six washers.

Neighbors on both sides. Togetherness. Community! You’ve got as much space as in a modest trailer park, or less. Looking down a row of cottages, I get a flash of a Depression-era work camp. (Not that there’s anything wrong with that.)

Not exactly the splendid privacy that many small-house advocates imagine. But I’ve always wondered if the concept of a 12 X 12 cabin on a remote mountainside isn’t contradictory. Elitist even. I mean, a tiny house with your own, private, national park? It is true that when you opt for simplicity, you may also find grandeur. Monks usually take vows of poverty, but sometimes live in impressive old monasteries.

No grandeur is included with the austere cottages pictured above. Don’t be misled because they’re near a beach resort. These cottages are clearly designed for workers, not tourists.

Rent is $600 a month for the one-bedroom models, plus utilities. A modern water and sewer system is paid for by the owners. Your cable TV bill looks like a BIG EXPENSE, in this scenario, especially if you also want Internet access. I’ve been spoiled by cable TV and Internet the past few years. Wonder if I could do without? Remember, we’re talking about simplicity and frugality. TV and Internet are not necessities, like food and water. Or are they?

I could still write on my computer, just not connected to the Net. When I need the Net, I’d go to the library, and use the fast, free WiFi.

I could listen to FM music or news over FREE airwaves. (Imagine that! Free radio. TV signals used to be free, too, but free TV was too good to last forever.)

Long story short, housing is adapting, if only a little, in response to the crash. Are people choosing a simpler lifestyle? Or in the new normal, do people have no alternative? Time will tell, but I doubt that cottages as small as the ones pictured here will become commonplace in America. Other countries, maybe.

For those who want to reduce their carbon footprint, a small cottage is a big step forward. I’m nagged by one reservation: Beware the fine, thin line between simplicity and poverty. Spacious suburban manses — the ideal goal for many Americans — are clearly not a necessity. Space is a nice luxury, if you can afford it.

But I wonder if tiny houses are more a novelty than a viable alternative? Most folks feel more at ease with a bit of elbow room. Space enough for two people to slow dance, at least. An extremely tiny house could be tough on the spirit, it seems to me.

I’m in favor of living space that is, as Goldilocks put it, “Just right.” It’s an individual thing. Or a matter of negotiation, for a couple. Between huge and tiny, a modest cottage might be a reasonable compromise.

— John Hayden

For photos of my own efficiency apartment, take a look here.

You can learn about the Tiny House Movement at  “How I Met My Tiny House Hero,” by Tammy Strobel.

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Property Virgins (via The Clueless Farm Hand)

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The Virginia welcome sign at the Virginia welc...

Image via Wikipedia

Update! Update! The Clueless Farmhands have a deal to buy their Virginia farm, complete with livable house. The bank suddenly decided to OK the short sale. See their update post here. It contains a long list of things they have to do to get the farm running this Spring. (Far from a leisurely idyllic existence, farming is probably more like endless work and 24-7 responsibility.) But I guess you’re your own boss and can work at your own pace, so far as Mother Nature allows. If the Clueless Farmhands can pull it off, maybe other people can do it! Opens up your limited career and lifestyle options, doesn’t it? Do you think you could do it?

End of Update.

You’ve had the fantasy. Admit it. What you really want is a few acres of farmland and a house. You’d like to buy it dirt cheap, because it IS mostly dirt, after all.

You want to chuck the career and the credit cards. Tell your boss to take this job and . . . Escape from the materialism, the congestion, the commute.

You’d trade it all in for freedom and simplicity. Life on the farm.

The Clueless Farmhand couple has done what you dream of doing. They’ve searched five counties in rural Virginia. They’ve looked at single-wides, double-wides, and actual houses. They think they’re ready to take the plunge.

I suspect most folks in Consternation-land will find their story enlightening. At last report . . .

Property Virgins You would think during these days of foreclosures it would be easy to pick up a nice old farmhouse with a bit of land and some serviceable outbuildings for a song. For the past six months or so … Read More

via The Clueless Farm Hand

March 9, 2011 Update: The Clueless Farm Hand has posted an update, detailing the bumpy road to buying a distressed property via a short sale. I had heard that buying real estate through foreclosures and short sales could be problematic, but this was an eye-opener for me. — John Hayden

Secrets of Living Large In A Small Apartment

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A TALL, SNOW-COVERED, OUTDOOR CHRISTMAS TREE IS THE RIGHT SOLUTION WHEN YOU LIVE IN A SMALL, INDOOR APARTMENT.

I’m making some progress on downsizing and simplifying my lifestyle. Two years ago, I moved from a large apartment in a pricey suburban neighborhood to a small apartment in a rural/seasonal resort area three hours from the cities.

I gave away a lot of stuff, and moved what was left helter-skelter into a one-room apartment. It has two windows in front and a door and screened porch in back. Cross-ventilation!

Rent is reasonable and includes all utilities. Priceless amenities are a quiet street that ends at the marsh; a parking space; a small fenced yard, with nothing but woods beyond; cable TV and high-speed internet service.

One-Room Apartment “Before” Pictures

CLUTTER GONE WILD.

CLUTTER ALL AROUND.

A COMPLETE GALLEY KITCHEN. EVEN A FIRE EXTINGUISHER, IN CASE I TRY TO COOK.

My neighborhood is an enclave of quiet affluence. Within sight, across the water, is a resort that can be rowdy in summer and a ghost town in winter. I might be the poorest church mouse on the block, but not the only one living on a tight budget. A few of the houses are little more than old beach cottages, but most are medium-size, modern homes with that suburban look. Some of the more spacious houses have million-dollar waterfront views. Within a short walk are two grand, waterfront homes that must be worth . . . I can’t even guess. One of them is a modern mansion.

No Extra Charge For Natural Beauty

THE MARSH IN WINTER. VISIBLE BY WALKING DOWN THE STREET. NATURAL BEAUTY AND PUBLIC SPACES ARE IMPORTANT AND USUALLY FREE.

But I digress. This post is not about living large in a mansion. Anyone could do that. And it’s not about living large in your car or a tent, which would be more of a challenge than I’m up to. We’re talking about a modest and attainable goal of living large in a small apartment. (If your apartment has a separate living room and bedroom, with a walk-in closet . . . well, that doesn’t qualify as small).

If It’s Big Enough For A Cat . . .

SAFE AT HOME. LOLA IS PERFECTLY CONTENT IN A SMALL APARTMENT.

My challenges with living large in a one-room apartment are the same ones I would have in a big house. Fundamentally, I have no “nesting instinct.” Plus, I’m disorganized. The only kind of order that comes naturally to me is “Robert’s Rules of Order.” For everyday life, the nesting instinct is more useful than Robert’s Rules.

My Rules Of Order

Here are Hayden’s Rules of Order for one-room apartment living:

  • Pay the rent on time. Otherwise, you will be living in your car.
  • I’ve got to get organized, and it can’t be forever put off until tomorrow. Two years is long enough.
  • A place for everything. Everything in its place. Efficient use of what little storage space you have is essential if you live in one room and you own more than one “thing.” One-room apartments generally don’t have wine cellars, garages, or attics. Not even walk-in closets. Drawers, shelves and hooks are essential. (The easiest kind of hook is a nail in the wall, but some landlords frown on this method.)
  • Furniture. Less is better. Replace all large pieces of furniture with small. I’ve replaced the sofa with a chair, and the double bed with a single bed. (It helps if you have the lifestyle of a monk). A toaster is better than a toaster-oven; a good radio/CD player is better than a complicated stereo system; a laptop is better than a desktop.)
  • You can break the small-furniture rule once. I still have the same medium-sized dining room table as when I lived in more spacious apartments. The table is clunky and dominates my one-room apartment. But it’s an all-purpose table. It serves as dining room table, kitchen table, and desk. I need a certain amount of surface area to be organized, whether the task is paying the bills or making soup.
  • Experiment. Find a way to make the furniture fit. I’m on the third rearrangement of my furniture. After two years, you get tired of playing “furniture checkers.”  Furniture checkers is a game in which you have to move one chair and jump over at least one other “thing” in order to get to your goal. There must be a way to arrange this furniture efficiently! I will have to find it by trial and error, since I have no interior design skills.

HOME OFFICE OF THE ConsterNation BLOGGING EMPIRE. SOMETIMES ALSO USED AS A POLITICAL CAMPAIGN HEADQUARTERS.

Clutter Is My Enemy

I’ve saved the most important secret of living large for last. As you can plainly see from the photos, I need to reduce clutter.

People sometimes criticize me for having too much “stuff.” I’ve gotten rid of enormous amounts of stuff, but I still have too much. Other people have their stuff all over the basement, the garage, the attic, the walk-in closet, the guest room. And that’s not all. Homeowners often rent a storage space for their extra stuff. Why don’t they simply give it away or sell it on eBay?

Everything I own is inside my one-room apartment, or inside my car, which is parked in the driveway. And there’s a limit to how much clutter I can hide in the trunk of the car.

To sum up, I need to get organized and reduce clutter. That’s not too much to ask. I call this challenge “My Apartment Project.” Two years is long enough to put it off. What you see here are the “before” pictures. Coming soon will be the “after” pictures. Wish me luck and stay tuned.

If you have any helpful tips on one-room apartment living, they would be welcome under “comments” below.

— John Hayden

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My Life Organized Into “Projects”

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Social Security Poster: old man

Image via Wikipedia

So now I realize that my wayward life has become a series PROJECTS.

I use the word “project” in the baseball sense. Major League teams are eager to sign talented young players who are promising “prospects.” Note the difference between a prospect and a project.

A “prospect” has a real chance to make it in the Major Leagues, after a year or two in the minors. Baseball scouts have high expectations for a prospect. He probably gets a bonus simply for signing a contract. Hence, the term, “bonus baby.” Millions, sometimes, for raw talent.

A “project,” on the other hand, is a young player who appears to possibly have the makings of a Major Leaguer. But the wise old men of baseball understand that this player needs a lot of coaching, and maybe years of seasoning in the minors. Developing this rookie into a Major Leaguer is a project for the long term.  The outcome is by no means certain.

My projects are never going to the Major Leagues, but they will require perseverance to reach humble goals. I’ve already mentioned the first two projects:

  • My Austerity Project. The first part of this project is simply keeping a record of how much money I spend every day, with a goal of bringing my budget under control. The record keeping is easy enough, and I’m sticking with it every day. The frequency of unbudgeted expenses, however, is discouraging. The $328.33 for routine 50,000-mile maintenance on my car this past week, for example. This project is going to be like pushing a rock up a hill every day.
  • My Fitness Project. I mentioned that I got a good deal on a one-year gym membership. So far, I’ve been using the gym every third day, sometimes walking on one of the in-between days. I’d like to ratchet up the Fitness Project to every other day at the gym. Even better would be working out almost every day. Just showing up is clearly 80 percent of the Fitness Project. So far, so good.

In addition to Austerity and Fitness, the care and organization of my small and disorderly living space has achieved the status of full-fledged project. My Apartment Project. More on this to come soon, with “before” pictures.

And now I see that the Holiday Project is upon us again. This is primarily a Survival Project. The Holiday Project will make all the other projects more challenging. Normal life resumes on Jan. 2, 2011.

After the holidays looms My Job Project. Talk about a humble project! It’s weighing on my mind a little. But not too much, thanks to Social Security.

I feel a rant coming on soon about politicians who want to solve the national budget and debt crisis by killing Social Security. They want to throw aging workers under the bus. Or put us on an iceberg and let us drift out to sea.

Excuse me, but I’ve been paying taxes into Social Security since I went to work at McDonalds at age 16. Social Security is not like welfare, or even food stamps. My Social Security is b0ught and paid for. I own it. It belongs to me. Do I make myself clear?

As you can see, I’m dealing with a full load of projects here. And I haven’t even mentioned the Laundry Project, which has reached the top of the priority list for tomorrow, or the Blogging Project, the one that keeps me typing until the middle of the night.

If it weren’t for the Blogging Project, consisting of three different blogs (which is two blogs too many), I’d have more time to focus on the important projects.

— John Hayden

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Best Places To Retire, According To Money Magazine

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Bangor, Maine, Is Among Top 25

Geography of Frugality? Some of the Top 25, But Not All.

A little bit of Main Street in downtown Bangor, Maine.

A little bit of Main Street in downtown Bangor, Maine.

It’s a good thing my niece and her husband, along with my sister, have a signed contract to buy a wonderful 100-year-old house in Brewer, Maine. Money Magazine has named Brewer’s neighbor, Bangor, Maine, as one of the 25 best places to retire in the U.S. Do you think house prices might go up?

Money mentions Bangor’s “four-season” climate as one of the area’s attractions. But I’m thinking retirees will not stampede to enjoy the frosty, northern climate. More likely, retirees will consider some of the magazine’s Sun Belt recommendations. Bangor and it’s twin city, Brewer, just across the Penobscot River, will remain unspoiled by fame, is my prediction.

Some, but not all, of the cities recommended by Money could qualify for my “geography of frugality” concept. Here are the top five on the list of 25:

  1. Port Charlotte, Fla., home prices down a whopping 63 percent; price of an average, three-bedroom house, $170,000.
  2. Palm Springs, Calif., home prices down 44 percent; average three-bedroom house, $$250,000.
  3. Traverse City, Mich., home prices down 20 percent; average three-bedroom house, $250,000.
  4. Pinehurst, N.C., home prices down 27 percent; average three-bedroom house, $300,000.
  5. Surprise, Ariz., home prices down 48 percent; average three-bedroom house, $150,000.

Hmm, Port Charlotte and Surprise sound like good places to hunt for bargain-priced  housing, if you’re interested in the Sun Belt. But Pinehurst, where an average three-bedroom house is $300,000, doesn’t sound so frugal. Money Magazine provided the average price for three-bedroom houses for all 25 cities listed. Unfortunately, it  gave the percentage price decline only for the first five.

In Bangor, number 23 on Money’s list, the average price of a three-bedroom house is $165,000. My relatives snapped up their bargain house for less than $150,000. Bangor also has an international airport, a great bus system (I have this fantasy of saving money by living without a car), cultural attractions, and major regional medical facilities.

Then there’s the city of Philadelphia, at Number 10 on Money Magazine’s list. With an average three-bedroom house costing $375,000, Philly is way too pricey, in my opinion. I think I’ll investigate Surprise, Ariz., where prices are down a whopping 48 percent.