Monday, 12 July 2021

Stockpiling Again.

I am stockpiling again, for the future that may come . . . don’t worry, no it is not weapons and ammo, it is food. I am stockpiling canned and dry goods once more.

It is more of a peace of mind than anything else. Who knows what can happen and I may try to rotate the stock as it were, and start to eat down on that cache of food.

For now it is just a bit of insurance and security in case this inflation does turn hyper. 

All in all, other than that it was an ordinary week. One that saw me getting back into the grove of things.

I will say that I am seeing more and more people out there living in RVs and vans. That means both in Western Home and here in my Eastern Home (where I work).

One can only hope that it is out of a positive reason such as a vacation or choosing to live cheaply rather than no other options. 

Once again, we shall see what the future holds.

As always: Keep your head up, your attitude positive and keep moving forward!

Monday, 5 July 2021

A Settling In Staycation

So I had a four day weekend last week! I had both Canada Day (Thursday) and the Friday as well!  It all started well with me getting my second vaccination shot on Wednesday after work.

That knocked me on my butt for Thursday and I had to rest to recover Friday. So, that left Saturday to get to work to settle in to Wanda and do a bit of cleaning. 

The weekend itself was really, really hot, so I couldn’t even think of closing up the house to go to sleep until after 10pm each night. 

Again, as with all things I found a way to adapt and alter what I do in order to meet and beat any challenge, heat included.  

When I got around to cleaning the trailer and finding a home for what I decided to keep with me in Wanda, it didn’t take all that long, as Kim and I had done a good job cleaning not that long ago. 

I didn’t have all that much stuff with me, as I was able to get a good deal on a storage locker (5 foot x 5 foot) that I have put the stuff that I want to have but don’t  want to carry with me all the time. 

It is across the city from where I work, but it was a good deal and the place looked secure and stable.

The storage locker is an extra cost, but it is a wise one, as the extra weight is not good for the truck or trailer.

Anyways as a result of this cleaning this is what Wanda looked like now.


Yes that is a new duvet cover.

Things are looking up and I am settling back into my routine of living in Wanda . . . just with less stuff in and around me. 

As always: Keep your head up, your attitude positive, and keep moving forward!

Monday, 28 June 2021

Back In The Saddle Again

So, I am once again single and living in Wanda as I work towards my goal of financial independence and home ownership. 

Things with Kim didn’t work out and so this past Sunday (yesterday at the time of publication) we ended things and I moved out of her place.

That is all that I will say about that as I don’t gossip, nor do I hate or begrudge her anything, it simply didn’t work out. 

So, here I find myself looking around my home on wheels and taking stock of what I have and what I need, both in the literal and philosophical sense.

I don’t have specific savings targets or other exact goals, just a general sense to trudge onwards and build up my savings to the point that I can buy something (house and/or land) and be okay on it.

I still feel a bit lost with all that has happened, but I just know that I have to build my savings and work towards my goals of home ownership and financial independence.

We shall see how things go and what happens. 

For now I will be doing this blog once a week until things get more exciting in my life.

Tuesday, 8 December 2020

Shifting To The Next Phase

Okay, so as of this past Saturday (December 5, 2020) I will have been on this “Urban Nomad” Journey for 7 years. 

What that means is that I have been blogging about my life and my journey towards Debt Freedom and beyond for seven years (since December, 5, 2013).

As with all phases of life this one has come to a close, or rather shifted to the next phase, and like most changes, it came suddenly and subtly. 

I have been mentioning and working towards moving in with Kim as of the end of this month, as I wanted to meet a few savings targets first of all. 

As well, Kim and I have been working on our relationship and asking ourselves the great question, “Can I tolerate this person being around me more, long-term?” 

Well, one of thing things on the road to living together was the question as to where to put my clothes. Thankfully Kim did not say “In a cardboard box in the corner.”

So, off to a thrift store that is one of her favourite places to shop (I like a deal so why not).

We got there and found a nice dresser for a good price, yet it was not going to fit into Kim’s car (which was the original plan, I’m not kidding).

So that meant putting said dresser in a pickup truck. There is a guy in Kim’s neighbourhood who does runs for cheap, so we called him . . . but he was booked into next week.

And the thrift store only holds your stuff for two days.

So . . . since I do have a pickup truck but it is attached to Wanda, we were left with using my truck. 

We even thought about driving the truck, with Wanda attached, to the store and stuff the dresser into Wanda . . . but we realized how silly and chaotic that would be.

Since we had an eye on a particular RV storage lot anyways we just . . . put Wanda into storage and that was that, I had moved in with Kim.

Now, there was the matter of loading what stuff I wanted to keep with me into the truck while keeping Wanda in a state as so she could be lived in at a moment’s notice.

We picked up the dresser and spent that weekend (last weekend) organizing the bedroom and most of the house. It worked, as I didn’t bring much stuff.

The point is that now that I am living with Kim, I am no longer Nomadic in an Urban Setting.

My life has changed and I have moved on to another phase of it . . . living with Kim as we work towards our shared goal of starting the Homestead Freedom development.

We will still blog, but it will be a weekly blog at that website . . . www.homesteadfreedom.ca

I will post the links to it on my Facebook and Twitter, as I usually do, but it will be more about the project in general rather than my life.

I have done the living in the RV full-time and that is behind me (for now). Never say never, as who knows, I may be back living in Wanda full-time before long.

Then there is the phase where Kim and I head on out to buy and settle our land. That will be done living in Wanda.

As well, since I am sharing my life with someone (Kim) there is a measure of privacy expected when another person is involved. 

I don’t mind blogging about my life and my mistakes when it is just me, but I won’t go into such detail when it involves another person.

So, check out my/our new website or my Personal Facebook Profile or even our Facebook Group

As always: Keep your head up, your attitude positive, and keep moving forward!

Monday, 7 December 2020

The Homestead Fund Update

 

Okay, so it is that time again, when I update how my progress is going on my “Grand Savings Plan!” (to build my "Homestead Fund")

Okay, so let’s see how I did . . .   

For review, here is how things looked from last payday . . .   

That is 51.6% (of my Savings Target).

And this is how things look like, after the dust settled on this payday’s budget . . .   

That’s right things jumped up to 52.6% of my savings target.

That means I put away 1% of my total Savings Target this payday.

Okay, so this is also one of those that is actually better than it already impressively seems.

As investments go, one goes up and others go down, at least that is the way that my investments go, and for the most part I am okay with that.

It would be so cool of they both go up at the same time and sometimes they do that, but investing is gambling, never forget that.

I am just happy to be still steadily on track to be to the “Insane” mark of my fundraising efforts by next payday (the last one of the year).

There are many concerns and worries when it comes to the economy and if I and others will be allowed to keep working (as in if there is some sort of lockdown or my work closes).

All one can do is keep your focus on what you can do today, this week this payperiod in order to keep yourself moving towards your goals.

For me, it could be better, it could be worse.

As always: Keep your head up, your attitude positive and keep moving forward!

Friday, 4 December 2020

The Urban Nomad’s Seventh Anniversary

So, it is that time of year again, the anniversary of when I started this Urban Nomad’s Journey. 

It was on December 5, 2013 that I made the decision to downgrade my lifestyle to get rid of debt.   

Okay, so today is the 4th of December, but I blog on weekdays and not on weekends, so I will do the anniversary blog one day early.

It has been an eventful year, but let’s look back on my goals from last year. They are, or were . . . 

I will continue to hold true to my Fiscal Directives, but I will also rededicate myself to my Grand Savings Plan.

For the past while I have been concerned about what is going on in the world and unsure of how much to save and in what form.

I have to remember that I do want to move on to the next phase of my life as soon as possible, and that is the Homesteading Phase. 

I know that to be successful I will need cash, so I am increasing my target amount and pushing back my target end date. 

I am now going to save up $200,000 by . . . well . . . let’s say summer (or at worst late) 2024.

Okay, so I have held true to my Fiscal Directives and kept on with my Grand Savings Plan. The Target is still $200K and that is on track to being met on or before spring of 2025.

I am still working on all of that and I am happy to not be alone on this journey now, yes, I am speaking of Kim.

I am pretty much just carrying on from last year, still working to save as much as I can as fast as I can. 

Life and expenses get in the way and it is true that I could do more to spend less, but for the most part most of my free cash goes into savings.

The stock market seems to be helping to make up for my poorer choices in the gains that I have seen over the past year.

I know that the stock market is gambling and so it could go down as fast, or faster, than it went up. All I can do is keep on with the ride and try to get out before it drops.

It is still hard to believe that it was seven years ago (tomorrow) that I had that fateful moment where I decided to just do something in order to eliminate my debts.

I didn’t know exactly how I was going to do it, I just knew that I was going to upend my life in order to become Totally Debt Free.

Once I became Totally Debt Free, I decided to build up my savings, which is what is on the other side of Total Debt Freedom . . . Wealth Building. 

I know that I am not a rich man, not by a loooooooong shot, but I am on my way and at the very least I have my freedom because I have no debts. 

I could upend my life once again and just go somewhere and do something radical, simply because I have no debts to tie me down, only current expenses to look after.

That in itself is what freedom looks like.

As always: Keep your head up, your attitude positive, and keep moving forward!

Thursday, 3 December 2020

Not Looking Forward To Winter

So, we are in the midst of a mild December and I am more than okay with that. It is nice to have these warm temps during a time of year that is traditionally cold.

Yet those balmy temps won’t stick around forever and the one thing I know is that once January hits, the cold weather comes in with a wallop. 

This year looks to be no exception as the weather prognosticators are saying that this December will be mild but it will be a cold winter: meaning January and February with an extension into March.

Who knows really, but the one thing that I do know is that I do know how to handle the cold weather. I loathe it but I know how to handle it.

This is the realities of this life, living in an RV full-time, for the longer that you are out here living in this RV the quicker you can get yourself ahead.

The whole secret to this “Urban Nomad” lifestyle is to downgrade your lifestyle so as to upgrade your cash flow.

You don’t have to live in an RV in the dead of winter necessarily, but you do have to find a way to live cheaper. As in considerably cheaper. 

The idea is to lower the standard and quality of your lifestyle for a short period of time so as to lower your cost of living.

It is not forever, just for a short period of time. nobody says that you have to live in an RV in winter. You could rent a room or stay with a friend in the coldest months of the year. 

You set the rules, you decide what you can do and what you are comfortable doing. The point is to do something to help ELIMINATE your debt, not just reduce it.

And Total Debt Freedom is worth freezing your ass off in an RV in the dead of winter, believe me, for Total Debt Freedom is freedom itself.

As always: Keep your head up, your attitude positive and keep moving forward!