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How I live on $7,000 per year

341 pointsby jfoucherover 13 years ago

22 comments

Abundnce10over 13 years ago
At some point during my college career I learned about the Rat Race and was propelled to discard my desire to climb the corporate ladder and decided to live a life similar to jfoucher (How I live on $7000 per year). However, after living frugally for a couple years I saved up enough money and decided to travel the world. Fast forward to today - after witnessing first hand the lives of those less fortunate while traveling in SE Asia I realized how self-centered I was to sit out of the "Rat Race" and meander along the road of my meager existence while there were other people wishing they had the knowledge, opportunity, and capacity to live and succeed in our society. There are people all over this planet that don't possess the means necessary to make impactful changes in others' lives, let alone their own, and so I asked myself: What if I took my determination and drive (clearly demonstrated in my previously frugal lifestyle habits) and applied those characteristics to actions that might benefit other people? Would those actions then be better, or more worthy, than the actions of squeaking out a living on $7,000? Personally, I decided they would be and have since then devoted myself to helping bring about change in this world.<p>I'm not saying everyone should view their life this way, but I understand what the author is describing and I have went through the internal struggle of trying to decide what to do with my life. Recently, I decided to go back into the world of the Rat Race and try to make the lives of those around me and myself better (building interesting software, spreading joy and wisdom, raising awareness of certain issues, etc.). I don't unconsciously spend money on things I don't need but I do if it deems fit. More over, I don't think you need to have a garden or be a homebody to live frugally.<p>I hope other smart, determined people don't take the route of sitting idly by the side as hoards of unaware, materialistic consumers perpetuate a system of greed and excess.
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scarmigover 13 years ago
Depends on your goals in life. $7,000 is definitely doable. But I don't want to live in an RV. Indeed, I want to live in a walkable neighborhood with groceries, low crime, and easily accessible entertainment.<p>The site probably isn't a convincing case for a general audience. Which is a real pity, because a lifestyle of $10,000 to $12,000 a year is very doable, even for a single person, even in the Bay Area, even with regular outings and entertainment, and even with flushable toilets.
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Sodawareover 13 years ago
The title of the article is slightly misleading in that it's $7,000 per person, so it's actually $14K in this case. I know that's a little nit-picky, but things like rent would eat a good chunk of that $7k.<p>Living on $14k is certainly possible, and the usual suspects can be cut to save some cash:<p>* Drop cable TV<p>* Same for cell phone - keep one pre-pay for emergency and use Skype for business/personal<p>* Stick to one car if at all possible (easier if someone can work from home or has flexible work hours). Negotiate lower insurance rates if possible.<p>* Don't eat out<p>* If internet is essential, go for the cheapest package available.<p>There are usually offers for new internet customers that give low rates for the first year. However, when your year expires you can call them up and ask to be put on a new special. This worked for my wife and I when our rates went up, and we got upgraded to a faster connection to boot.<p>That's really the biggest money saving tip of all - ask politely. It doesn't always work, but you lose nothing and can gain some decent savings over time.
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diiqover 13 years ago
I've been living on $6000 a year for the past five years. Next year, I intend to spend 10 months in New Zealand on &#60;$8000, including travel, room, and board.<p>It's very doable. I rent a very nice room in a pleasant suburb. I eat well, if repetitively. I have enough pocket money to go out somewhere nice with friends now and again. I don't make much more than I spend --- product, in part, of a BFA --- and sure, an extra few thousand would improve my lifestyle considerably. But I don't <i>need</i> much more, and I've been very happy and very comfortable.
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sliverstormover 13 years ago
Takeaway: If you can score dirt-cheap rent, you've won half the battle.<p>He pays $250 for rent in S.F. You'd be pretty hard-pressed to NOT have an impressive budget in that kind of scenario.
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gerglesover 13 years ago
The article is mistitled, as there is literally nothing in there about <i>how</i> he allegedly lives on 7K a year, other than what he eats for dinner (apparently every night.)
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wes-expover 13 years ago
For those living in RVs, boats, and so on, can you comment on the amount of time you spend maintaining your living space?<p>As a startup founder, as much as I am concerned about cutting costs, I am also concerned about the opportunity cost of spending time doing maintenance. E.g., even if you fully own a house, a house can be a lot of maintenance work. Depending on how you value your time, that can reduce how much you "save" on rent.<p>Any comments?
doc_larryover 13 years ago
It's all about perspective. As physician and entrepreneur I like what I'm doing and enjoy my life. The money is a side effect that grew over time (when I started in the ER I was paid less than $200 for 24 of work). Money isn't the objective, but creating a meaningful lifestyle, being a good husband and leave something positive behind is what really matters. My two cents of happiness :-)
sayemmover 13 years ago
This is an amazing blog, just ordered his book - thanks for posting this.<p>I love the overall theme of his blog, which is that society brainwashes us, or most people, to derive utility out of life through consumerism and materialism.<p>Jacob Fisker, the blogger behind ERE, I think is far richer than what his finances and personal budget indicate because he's actually living life for himself and optimizing it for maximum utility (spending the time wisely to do what he really loves doing).
6renover 13 years ago
He doesn't seem to include rent or mortgage.
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rymediaover 13 years ago
Interesting perspective. Definitely not for everyone living that frugally though. 1 Charlie Sheen weekend in Vegas would blow the years budget :P
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lionheartedover 13 years ago
Some nice points, but this one is dead wrong:<p>&#62; Regardless of how much I made, I think I would pick up a goddamn broom myself before I started talking about my financial struggles. The gall!<p>Paying someone else to do cleaning is one of the easiest positive ROI moves for your life. Not just because it frees up your time, but also because living somewhere clean and organized just does wonders for your sanity, mental health, physical health, productivity, ability to entertain others without cleanup lead time, and has follow-on effects of making you want to be better groomed, prepared, and organized because that's what happens when you live in a hyper-clean environment. Also, everyone else treats your place nicer because it's clean, and messing up a clean place is bad.<p>So yeah, pay someone to come clean every week. It's cheap, it's like $10 in developing countries and $50 max in developed countries. Well, well worth it. <i>Especially</i> if you're any sort of skilled professional at all that works from home ever on anything.
tloganover 13 years ago
When you have kids then you really live on $7000 per year. Believe me.<p>So maybe when you are younger it is good enjoy a little because when middle age crisis comes (and it will come) and if you didn't enjoy when you were young all kind of crazy shit can happen. Happen to my father in-law: all his millions are worthless...
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ctdonathover 13 years ago
The article comes from the same reason I'm running the A Buck A Plate blog <a href="http://abuckaplate.blogspot.com" rel="nofollow">http://abuckaplate.blogspot.com</a> - doing it because so many think living well for cheap can't be done.
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Cl4rityover 13 years ago
I was going to complain about how this was extreme, but that would be redundant given his URL. The point isn't that we all can/should live off of ~$7,000/year, it's that we can cut down on the crap we don't need, or things that will be gone or obsolete in a year or less.<p>However, the great thing about this article is that it reminds me to find some kind of balance. The impression I got was that the author spends nearly half his time budgeting and penny pinching, with little room to enjoy life. Or, if I could be a little more presumptuous, convinces himself that he enjoys this life so that he doesn't have to go out and earn far more money.
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leotover 13 years ago
You're not taxed on work you do for yourself (, yet).
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barryfandangoover 13 years ago
I agree with the author that there's much to be gained by shrugging off the consumerist expectation that we spend all of our income on junk. The next step in that progression though, in my opinion, is to learn to obsess over money exactly as much as is necessary, then start paying attention to what really matters in life. This guy's OCD approach to money sounds exhausting.
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ahsanhilalover 13 years ago
Basic economics tells you that this is not a good growth strategy to adopt especially if you have a consumption-based economy, and not savings-based one (aka China, India). In short population is going to increase over time, resources are going to decrease over time, in order to keep GDP per capita in line with an increasing population, you cannot just decrease your spending (or tighten your belt). You have to grow by increasing income levels, and thereby increasing aggregate demand.<p>If we only increase incomes, and dont spend, then aggregate demand goes down, leading to less consumption, less investment, which leads to lower employment opportunities, which leads to even lesser consumption, and so on so forth until we get to a severely regressive cycle, where our industries shut down.<p>Point is, more power to you if you want to spend less, but making everyone else adopt your way of life because it works for you, does not mean it will work for them, and in entirety would not promote greater economic growth.<p>PS for those arguing 'well it works for China'; well the USA is not China, and they are big structural differences which make it unnecessary and useless to adopt that model.
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rorrrover 13 years ago
Sorry, but this story is garbage.<p>Rent/mortgage, retirement completely ignored.<p>Plus he has the shittiest $82 health insurance plan he could find, and he doesn't calculate the costs of what will happen if he gets sick.<p>On average people after 65 spend $2,920 per year on medical out of pocket expenses (Source: <a href="http://www.newretirement.com/Planning101/Rising_Medical_Costs.aspx" rel="nofollow">http://www.newretirement.com/Planning101/Rising_Medical_Cost...</a>)<p>Then his food comes from his garden, which means he has to work on that, and he conveniently didn't calculate the opportunity costs, tools, irrigation, chemicals, seeds, etc.<p>What about transportation costs, electric/gas, phone, internet, household supplies, upgrade of your old computer, clothing, shoes.<p>Then if you want to have a car (and it sucks to live pretty much everywhere in the US without a car), what about car insurance, maintenance, new car every X years?<p>Yeah, it's fucking easy to live on $7K per year when you own a house with a garden, don't pay property taxes, use 1995 computer, and have no safety net in case of a serious sickness.
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nirvanaover 13 years ago
I've been living on $13,754 per year for the past 4 years. (Average as of last month.) There are two of us, so, double that and you have the average cost over that period. While we've been doing it, we've been traveling full time, spent the last year in europe living in AirBNB pads, and doing our startup. We buy a MacBook Pro each year and an iPad or iPhone each year as needed, with the old one going to the other person to replace the even older one they were using. We don't live poorly, either. How good our food is depends on where we are-- it wasn't so great in england, but it was fantastic in italy.<p>Prior to those 4 years, I lived on about $18,000 a year, and in the 1990s, I was living on about $22,000 a year. I made much more, of course.<p>Starting in the early 1990s I knew I'd want to start a company at some point, and I knew that the less you spent the more profit you had to sock away for retirement. At one point I bought and lived on a boat. Living on the west coast[1] where my friends were paying $1,200-$4,000 a month in rent-mortgage, while I was paying $300 a month in marina fees--- AND I had the best view-- was pretty nice.<p>Like anything, it is something you can do if you practice it, and you just have to have the right attitude. I had an immediate turnaround in my spending when I started tracking my expenses. Just looking at where things went each month had a huge impact... I started buying less pointless stuff ,and cut out whole swaths of things that I didn't need, and conversely, started eating out more, because I realized it was relatively cheap. I didn't even miss the things I got rid of, because I didn't cut any of the things that were important to me.<p>I remember, in 1994 buying a TV thinking that I'd be using it until 1997 when I expected that HDTVs would be out, and planning on buying an HDTV. In 1997, HDTVs ware REALLY expensive, but by then I'd made the change. I kept that TV- which I'd only meant to keep for 3 years-- until 2007 when we went nomadic. 11 years longer than "budgeted". We don't do cable, but we do, luxuriously, do BOTH hulu AND netflix. And the occasional iTunes rental.<p>I got rid of my land line phone over a decade ago, when I moved onto the boat, and then never got it back afterwards. Cellphones were always cheap plans, and then, given up completely years ago. (Reaching me urgently means calling my google voice number or sending an email, which I get in a couple days.)<p>I kept my vehicle for a very, very, long time, but don't even have that now. That right there got rid of over $600 a year just in insurance. Public transportation is a hassle (except in berlin!) but its cheaper.<p>One thing that's really helped-- we set a budget. We have the food/transportation budget, and then we have the personal-spending money. Each month we get a bit of money that we don't have to spend responsibly, and the rest of the money goes into specific budget items. We have all of our major purchases planned out, and on schedule. Actually had to accelerate the computer purchases because we were using them past the end of AppleCare. (Traveling all the time, we want AppleCare.)<p>One important thing to know, to help with all this, is to understand money. I think a lot of people don't really understand money... not on a fundamental level.<p>Money is just a medium of exchange, right, but have you ever wondered what it is you're exchanging? It's life. Not just in the sense that you need food and shelter to live, but in that you rented your body to some labor in exchange for the money. I think people who don't think of money as valuable as that-- as literally being part of their lives-- tend to respect money very much, and so they don't keep an eye on it. Old timers called it "knowing the value of a dollar".<p>As for the nomad thing- yeah, plane flights are expensive (but we take relatively few big ones)...but compared to the cost of living in america, most of the world is cheaper. Europe was more expensive, but we wanted to make sure the idea worked before going places where english was even less common.<p>I expect our cost of living to be significantly lower this year than last.<p>[1] originally types "west cost", which is about how I think of it.<p>PS-- I've done a poor job of explaining "How", but it really is an attitude more than a method. There are probably lots of things we don't have, and don't miss, because we simply changed our priorities. Since I don't miss them, it's really hard for me to name them.<p>There's a line in fight club that is apropos here: ".. learn to let slide what truly, doesn't matter."
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sharemeover 13 years ago
The article is miss-titled, it should be:<p>Leveraged Retirement....<p>not in the Donald Trump way but the concept is similar...now for the bonus question what is he leveraging and what benefits does he get in return for that leveraging? He did somewhat obtusely answer it..and no the previously earned and saved Six figures is not what he is leveraging..
cnxsoftover 13 years ago
I'm also on that budget, but I don't live in California...