Confused....

[elaineremains]

Ok, I REALLY need help thinking and learning and knowing stuff here... i just FEEL that we can get out of this mess, but i don't know how...<div><br></div><div>ok, I'm on a pittance of a disability, tho it does help with sundries... and might be just about enuff to pay our food bill a month, which is high here in canada...</div><div><br></div><div>my husband and i just went thru heck, losing everything, house, car, credit rating, but now my husband has his job back, and we are living in an apartment, back to living paycheck to paycheck where most goes to taxes and rent and such...&nbsp;</div><div><br></div><div>now i've got a piece of land to put an RV on, but it's too far away from my husband's work for us to move to yet... but i was reading on one website that if you OWN all your stuff, you only need to earn HALF the income to sustain the way of life... so if we own our RV and the land, and i have a disability, how much would my husband have to earn if we are not paying rent and high income tax? &nbsp;would it be feasible for him to actually get a job at 50 doing (dare i think it) something he may enjoy but doesn't pay that well? and have us 'get by'? does anyone know how to help me make these calculations in my head? &nbsp;</div><div><br></div><div>any websites you can point me to? &nbsp;i would say 'let's go honey, let's live on my pittance' but we need a car too, and that would break the bank... not a car payment, but car insurance is expensive...</div><div><br></div><div>i just feel that we can do it, without much more money, i just don't know how, and i don't know how to explain this to my terrified husband who is UNWILLING to be jobless EVER AGAIN lol</div><div><br></div><div>help???</div><div><br></div><div>thanks y'all</div><div>elaine</div>

 

[thinker]

no one on earth can help you do the math in your head. you either can or you can't.<div>i've had genius level friends who can't.&nbsp;</div><div>but sitting down patiently with a pen and paper? anyone can do that. it takes time and it doesn't have to be done in a sitting. probably can't be. IGNORE the impulse to estimate as much as possible.</div><div><br></div><div>there are a lot of details here. current debt? forecasted income and expenses?</div><div>there's either an impatience detected in your post or a belief that you can afford to live in a particular situation but you can't afford to GET to that situation. is that it?</div><div>ie: you can't just swap the aprtment for an rv, but as long as you're paying rent, you can't afford the rv either.</div><div><br></div><div>do you really have disposable income or not?&nbsp;</div><div>cable tv?</div><div>ever eat out or order in?</div><div>alcohol, cigarettes?</div><div><br></div><div>i know there's a lot to fear, but there's a lot to gain too.</div><div><br></div><div>more than anything, RELAX. let the answers in. i hate to see folks suffer.</div><div><br></div>

 

[akrvbob]

There are a couple problems here, first you are Canadian, so that changes everything for us in the US, we just don't know enough about it to help you. But the bigger problem is you don't give us any details, so anything we say will just be wild guesses.<br><br>Here is what I can tell you: In the US you can live on public land for free if you know how, so if you own your van or RV outright, you will have no housing expenses. I know people who are living on between $400-$600 a month by living on public land.If you payment is that much you could live on it in the US. You will have to be very, very frugal, but it can be done. I don't know enough about Canada to even begin to guess if you could do it there. Bob&nbsp; <br>

 

[Wild_E]

I am Canadian and there are a few others here, need more info though.<div><br></div><div>Right now and for the next while I will continue to live in my Box truck, I like it. I do pay to stay at the back of a farm right now, but am looking for a cheaper/free place to do the same and offer security in exchange.&nbsp;</div><div><br></div><div>Canada does have some weird rules on living in Campers even on your own land, so need more details. I live the way I do because I own a business with lots of stuff, need a storage / office and a spare Van and Trailer for other storage and to get around to do work. Downsizing is the name of the game when I have the free time and energy.&nbsp;</div><div><br></div><div>You have land, look to inexpensive Truck/trailer/or used 40ft Tractor Trailer style trailer, just tell people it is there to hold some farm equipment and live in it! If you have your own RV?? not sure of buy your post, live in it with an additional &nbsp;utility trailer for extra stuff.</div><div><br></div><div>Heat with propane / wood etc - using Rocket Mass heater, energy efficient propane or buy or make up a used oil heater (vented !!!!!)&nbsp;</div><div><br></div><div>He can live in the Van during the week, then come back to the property on weekends, or combinations of living traveling, etc. People on here, live in Commercial Vans with two people in them. Then there are box trucks, like mine for stealth living, it goes on and on.</div><div><br></div><div>Start by where you live eg.. Durham Region Ontario, I can give you more info, or Willie can or Johnny can etc etc..</div><div><br></div>

 

[Wild_E]

used cargo van = $1k and up<div>taxes on property = $500 up per year</div><div>RV insurance = $100 month</div><div>food, eat in, buy in bulk, prepare meals for him to take, freeze them and then they can thaw slowly in cooler in van, until eaten,&nbsp;usually&nbsp;last for 5days frozen/semi frozen in cooler, plugged in or with ice even in summer.&nbsp;</div><div>again, more details</div>

 

[elaineremains]

hi you guys! thanks for all the talkin' to <img src="/images/boards/smilies/smile.gif" border="0" align="absmiddle"> no alcohol or cigarettes or drugs in our life, tho we do like to eat out around payday... i don't own the RV yet, we haven't decided how to do this, but wildernessreturn i did think of stealth camping for the week and then heading to the RV for the weekend, but hubby doesn't think it's allowed to park on the streets here, says he had a friend who tried parking around his work... &nbsp;besides we would have to BUILD a cube van into a place to live and hubby is NOT handy... so that's why i'm trying to figure out how to get us out to the property, but i doubt i can get hubby to quit his job, on the upside, i also doubt that that job will last another 15 years till he's 65... we live in the west coast lower mainland, so it's not as cold in the winter as the rest of canada... what's a tractor trailer? anyway, just got up from a nap, so not sure what info i have to give, not till i have my coffee anyway lol