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Showing posts with label emergency funds. Show all posts
Showing posts with label emergency funds. Show all posts

Sunday, June 14, 2015

Live large in a small space-if the government will ‘allow’ you…


Poor Man Survival

Self Reliance tools for independent minded people…


 

ISSN 2161-5543

A Digest of Urban Survival Resources

 

 

"Revolution is not something fixed in ideology,
nor is it something fashioned to a particular decade.
It is a perpetual process embedded in the human spirit."

-- Abbie Hoffman

 

Live large in a small space-if the government will ‘allow’ you…


 


Where would you go if suddenly you and your family had to leave your home due to a disaster? With neighbors likely to be experiencing the same problem, staying with them wouldn’t work; and the same would probably hold true for any family and friends in the immediate vicinity.

Wouldn’t it be great if you had a small house waiting for you for just such an occasion? Perhaps you could have one located 30 minutes to an hour away that you’d already been using as a secondary location for emergency food and water supplies in case your primary home was destroyed.

This scenario is a reality for some people who have joined the tiny house movement. While the average American home has about 2,600 square feet, the typical “tiny house” has between 100 and 400 square feet.

Personally, while I love the idea of downsizing, I’d have a difficult time living permanently in a tiny house. I’d feel claustrophobic and probably would not be a joy to live with. But having a small house to store my stuff and where my family and I could survive just fine for a few days, a week, a month or possibly even a year until a crisis passed would be ideal.

Why are some retirees and others making tiny houses their permanent residences? Money is one big reason. For as long as they can remember, they’ve spent at least one-third of their income on their dwelling. That translates to 15 years of working to pay for it. This is one reason why more than three-fourths of Americans are living paycheck to paycheck and why so many are trapped in spiraling debt. With tiny houses, some of which can be purchased for under $30,000, there is no mortgage.

Others choose tiny houses due to environmental concerns. A small house uses far less energy than a medium-sized or large house while limiting the carbon footprint significantly. It’s said that the average house consumes about three-quarters of an acre of forest, produces seven tons of construction waste and emits 18 tons of greenhouse gases every year.

Still others are looking for more time, freedom and self-sufficiency. Having a tiny house certainly grants them those highly valued commodities, due to the fact that there is so much less cleaning and maintenance than they would encounter with a standard-sized house.

Some people build tiny houses on their property and use them as art studios or to house aging relatives, while others use them as home offices or temporary guest houses for adult children who return needing a place to stay until they get their feet on the ground. Still others plan to retire in these very small abodes.

For me, a tiny house represents the best of both worlds: an ideal secondary location now for storage of food, water and other essential times and a safety net for the future should the unthinkable happen and a home is destroyed by a natural or man-made disaster. And nothing can beat the peace of mind that comes with the knowledge that you’ll have shelter when you really need it.

–Frank Bates

This entry was posted in On Your Own and tagged Preparedness.

 

Michigan Police Seize Kids from Family For “Camping”


Michigan is a weird place especially when it comes to what you cannot do on your own property-I know first- hand what a bunch of idiots local bureau-rats can be.  Since many rural areas don’t bother to publish their requirements online or anywhere else, one must be a psychic to know what the rules are…until they trespass on your property and become high and mighty with their dictates…

 

Last month, a Michigan family decided it would be fun to go camping for the summer, on a 10 acre plot of land they had recently purchased. Christopher and Antonia Hernandez wanted their six children to experience the outdoors, and get a taste for off grid living. But after living in several large tents for 9 days, their rural experiment came to an abrupt end.


 

 

 


Resources of the Week…Please Share!

  • Where should you keep your emergency fund? (Yahoo): "If you are building up your emergency fund and looking for a better place to keep it than under the mattress, check out these options of places to park your emergency fund."

  • 9 Ideas for Hanging Out With Friends on a Tight Budget (Money Crashers): "It’s sad to contemplate whether it’s worth hanging out with friends, but it’s even worse when you want to socialize but stay home, bored and lonely, to stay within the constraints of your personal budget. If you feel like you’re constantly weighing your friendships against your finances, it’s time to reconsider your approach."
  • OmniFocus: I love tools that make work more productive and enjoyable. Recently I stumbled upon OmniFocus, a program for the Mac that makes organizing projects a snap. It's like a To-Do list on steroids.

Credit Sesame Now Pays You to Get Your Score: I just learned about this last night. Credit Sesame will now pay you $1, deposited into your PayPal account, when you get your free credit score.

 

 

Yours for a happy, healthy life!

Bruce, the Poor Man

 

 


Books, Art, Video – the saucy, the odd, the retro, even the practical…


 

 
 
A Shallow Planet Production

Sunday, April 26, 2015

DIY Masonry Fire Pit, Pot Smoker, Emergency Fund Builder


Poor Man Survival

Self Reliance tools for independent minded people…


 

ISSN 2161-5543

A Digest of Urban Survival Resource

What lies behind us and what lies before us are small matters compared to what lies within us.
- Ralph Waldo Emerson


 

 


DIY Flower Pot Smoker


Find grill grate size of choice

Find pot for that size grate and a second pot to use as the lid.

Find smaller pot to hold charcoal and ceramic plate for indirect cooking.

I found all pots at my local Home Depot for around $30.

 


 

 


DIY Masonry Fire Pit


Now this is something I plan to build at our mini-farm this summer…mighty nice!

 

This fire Pit has become the main attraction at our house. We have since made a habit of sitting out here with or without an actual fire. The stone was a potpourri of closeouts. The bricks were picked up cheap from a job that never used some over orders. The block, sand, and mortar are just everyday Lowes stuff. All said and done I probably had $200 in it. If I had to buy the other stuff at regular price it would probably be around $500. Plus sweat.

 


 

 


Study: One-Third of Americans Have Less Than $1000 Toward Retirement


We have previously discussed the income disparity in the country and the alarming lack of savings for a great percentage of our fellow citizens. Now a study shows that roughly one third of the population have saved less than $1,000 for retirement. Equally surprising is the estimate of what will be needed to live comfortably in the future.   Read more of this post

 

How to build an emergency fund when you're living paycheck to paycheck
read more here

 

Video: Ways Thieves Steal Credit Card Data
The three most common places thieves steal data are ones many people visit on a regular basis.

 

One of the best gardening decisions I ever made: landscaping my backyard with edibles. It took some time to get everything established, but now my yard is as pretty as it is tasty. Here are some edibles to consider adding to your yard.

 




 

Garden-in-a-Can

Watch the video and visit backtotheroots.com to learn more about our new Garden-in-a-Can.

 

No Ice Needed Picnic Cooler

Here's a simple way to keep food cooler outdoors. You'll need two unglazed clay pots. One should be larger than the other. Put the smaller one inside the larger one and fill the space outside the smaller one with sand. Pour water on the sand until it's saturated. Then put your food in the smaller pot and cover with a damp cloth and a heavy lid. The inner temperature will be about 20 degrees cooler than the outside air until the water evaporates. I've never used it on things that spoil quickly like potato salad, but it's great for veggies and fruits.

 

A beginner's guide to co-op buying
read more here

 

No Need to Panic…or is there?

 
McDonald’s has announced that it will be closing 700 “poor performing” restaurants in 2015.  Why would McDonald’s be doing this if the economy was actually getting better?

>The number of publicly traded companies in the United States that filed for bankruptcy during the first quarter of 2015 was more than double the number that filed for bankruptcy during the first quarter of 2014.

 >New home sales in the United States just declined at their fastest pace in almost two years.

> US Manufacturing PMI plunged to 54.2 in April (from 55.7). Against expectations of a rise to 55.6, this is the biggest miss on record.

 

> When priced according to “the average blue-collar hourly wage“, U.S. stocks are the most expensive that they have ever been in history right now.  To say that this financial bubble is overdue to burst is a massive understatement.


 

Needful Things   Needful Things   Needful Things

 
Hard Core Chicks: Eight Self Defense Tactics Every Women Should Know

 

 

Books, Art, Video – the saucy, the odd, the retro, even the practical…


 

 

A Shallow Planet Production

Monday, April 14, 2014

Un-Wasted: The Future of Business and Living


 

Poor Man Survival

Self Reliance tools for independent minded people…


 
ISSN 2161-5543

 

Taking over…uh, I mean saving the world is such a thankless task.  We’ll try again in the morning Pinkie! >>The Brain

 

Unwasted: The Future of Business on Earth

There is no waste in nature. When a tree falls it's only halfway through its life. When a bear or animal finishes eating food and processes it in its body that becomes fertilizer for future life in the forest flora.

So it's a beautiful thing the way nature has worked this all out. There is no waste in nature; the human animal is in fact the only animal on the planet to create waste that nature cannot process.

We're all paying for the landfills around the country, and everybody in the US is working with some system, whether it's a municipal system that manages their own waste locally or it's a system that ships the waste to other parts of the country.

The reason you should care about this is because that's going to make a difference for the environment, for the economy, for your costs, for all the things you care about. In economics there's this term of "externalities" and there's a lot of cost out there that we collectively bear as a society, whether it's habitat destruction, whether it's cost that are directly being imposed on us the citizens who didn't ask for those costs to be put on us.

The cities are under huge budget pressure right now and they need to cut their costs. They're trying to cut their costs in terms of how they are managing their waste and they hope to start making more money off the recycling. So it's really becoming more of a fiscal issue than environmental issue in some cases.

The latest statistics show that even with the recycling as high as it is there's still more than half of what's going into the landfill that could be recycled or reused.

The garbage is more expensive than recycling. The landfills are not used for making money but they're revenue extractors because cities are spending lot of money to maintain them. You need to pull out the gas, you need to pull out the water and treat it, you need to establish a monitoring system to trace the extent of thermodynamics, and all that costs money.

Watch the documentary here:


 

More useful resources and projects you can use…

·         Video: DIY Project - Toolbox Planter
When you spring clean the garage this year, before you toss out or donate that old toolbox, why not turn it into a planter that will add a creative touch to your patio or garden? The Ulitmate Cheapskate shows us how.

 

·         32 Ways to Save Money on Your Utility Bills
Some of these suggestions are more expensive than others are and you do want a high return on your investment, so crunch a few numbers to see how long it will take for these upgrades and purchases to pay off. But they all should save you some money on your utilities.

 

·         DIY Gutter Garden


 


Remember when you made that promise to yourself to get a better handle on your finances this year? Well April is the perfect time to reassess your progress on your money goals as part of Financial Literacy Month.

Order our FREE Financial Foundations Toolkit to get the advice and confidence you need to make sound money decisions. This toolkit will teach you:

·         How to save for college or retirement when money is tight

·         What you should do right after a job loss

·         What your insurance rights are in serious medical situations

·         How to avoid financial scams and identity

 

Reader Tip:  Shawn won one of our Survival Seed Packages!  You can win by submitting a tip at the email address below.  Each week we award a prize to our favorite tip.

 

·         I’ve also found that small dixie cups work well for starting plants, and as far as getting my seeds, for most like peppers tomatoes, musk  melon and watermelon,  I just purchase, a few of each, remove the seeds rinse and spread them out on news paper before planting season and let them dry. Once I harvest, I do the same thing and have an abundance of seeds every year.  >>Shawn

 

 



 


 


DIY Underground Home


 


“Do you have 3 months emergency funds to cover expenses in case of sickness, job loss, an economic downturn?”

An astounding 60 percent of people that responded said that they do not.

It has been estimated that there are approximately 3 million“preppers” in the United States.  But that means that almost everyone else is not prepping.

We are steamrolling toward the edge of an economic cliff, and most people in our entertainment-addicted society are totally oblivious to what is going on.  So they are not doing anything to get ready for the immense economic pain that is coming.

The great financial crisis of 2008 struck and millions of people lost their jobs and their homes.  Unfortunately, the next great wave of the economic collapse is going to be even more painful than the last one.  It is imperative that people get prepared for what is on the horizon, but for the most part it is just not happening.

A lot of it has to do with the fact that we have such short memories and such short attention spans in America today.  Thanks to years of television and endless hours on the Internet, I find myself having a really hard time focusing on anything for more than just a few moments.  And we are accustomed to living in an “instant society” where we don’t have to wait for anything.  In such a society, we are used to “news cycles” that only last for 24 hours and very few people take a “long-term view” of anything.

The long-term trends that are destroying our economy have continued to get worse since 2008, and none of the problems that caused the last financial crisis have been fixed.

Find the resources you need here:

www.PoorManSurvival.com

Yours in freedom,

Bruce ‘the Poor Man’

 

Got a News Tip or Resource to Share With the Poor Man?


A Shallow Planet Production