Simple Things: Wooden Hangers

Sometimes, simple things matter. Sometimes, it’s all that matters. Our household lives by the adage, “Have nothing in your home that you do not know to be useful, or believe to be beautiful”. Curating a home is part of living an intentional life, and the things with which you surround yourself does define your lifestyle. In my opinion, a few simple things bring so much more beauty to your home and value to your life than a hundred gadgets.  This series is dedicated towards those simple things. 

I’ve wanted wooden hangers for a majority of my adult life, which equates to about the last ten years. Many a time I’ve visited department stores and turned towards the hanger aisle, if only to longingly run my fingers along the smooth edges of polished pine, or unfinished walnut. But the cost of wooden hangers is too great, at about a dollar a piece, for me to ever make that leap. So I have spent years begrudgingly using free, hand-me-down plastic hangers that leave pointy shoulders in my tees and dismay in my heart.

But providence proves just and patience is the best virtue, for this weekend when we were walking the two dogs that we were sitting on Rover (get our side hustle monthly income report here), we swung by the recycle bin behind our garages to find it overflowing with unwanted things from what we assume to be a recent neighbor’s move. And there, sitting on the floor next to the miniature Australian shepherd was a box FULL of wooden hangers. Now I am not one to dumpster dive, but in the name of frugality I am also not completely opposed to it. As my roommate fairly stated, it can’t even be considered dumpster diving. Rather, it’s as if someone plopped a box of beautiful wooden hangers in the middle of my path, already unwrapped and ready for use.

I looked to Mr. Debtist hopefully and with pleading eyes. Can I please take this home without you judging me? He carried the hangers home himself. Once we got inside, I started wiping them down with white reusable rags. They were in pristine condition. I couldn’t believe my luck. I was completely prepared to polish them up but there was no need. In fact, there was hardly any dust.

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No chore could stop me from immediately switching out those icky, flimsy, plastic hangers in our bathroom nook for these “new” wooden ones. You see, we have no closet in our main living space (only one under the stairs) and so we’ve lived with this makeshift rod hung up in a tiny indent next to the shower. Our clothes have been hanging on plastic hangers exposed to all guests and visitors who use our restroom. We’ve made do, but it’s not been pretty.

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Now, they still do hang exposed, but my heart is full. The beauty that I feel from wooden hangers make living with no closet that much more bearable. In fact, it makes it that much more exciting. I could live without a closet forever if it means I could stare lovingly at these wooden things every day. Plastics be-gone! Don’t worry though, they won’t end up in the trash. We got these plastic hangers from my parents and they will be returned just as my brother conveniently leaves for college in two weeks. I am sure there they will find a new home.

What about you? Things you’ve found in the trash that have made your home that much more beautiful?

 

Finance: How We Paid Off $145K in Student Debt in Two Years

On the heels of the previous post, a word on how we paid off $145k in Student Debt the past two years. I think it’s one thing to inspire people to pursue a road less traveled with the hopes of reaching a more ideal life, but it’s another thing to give any meaningful sort of advice on the matter. It is the latter that I wish to address in this post.

I’d be the first to admit that tackling half a million dollars in student debt is a daunting task. However, with a few pointers under your belt, the task becomes much easier. Here are some steps that we took ourselves, listed in the order we took them.

Steps to Paying Down Debt

  1. Figure Out Your Why. The pillar to every debt pay-off story is the “Why”. Why are you pursuing financial freedom? How does paying off the debt lead you to a life you want to lead? What will keep you going? These are the questions you must first answer. You need to build that fire within you, the one that burns so achingly that you’ll never forget, turn around, or give up on the reasoning behind why you decided to take that first step.
  2. Hire a Professional. While not for everybody, I highly recommend this if you are like us and do not come from a lifestyle geared towards financial independence. As you can see from my money egg, I had a long history with money that makes me hyper-aware of excess consumption. Each person has their history with money and it shapes the way you view your finances. I knew when I graduated from dental school that I did not come from a place of wealth, and neither do I have experience with dealing with large sums of money. I also did not want to be the person dealing with a looming debt hanging over my should. I had to talk to someone, and fast! While colleagues were buying homes and cars with their first paychecks, the first thing I paid for was a financial planner. And it changed our lives! If you are swimming in a large amount of student debt like I am, then I would highly recommend a conversation with Travis Hornsby from Student Loan Planner (affiliate link). He helped us save thousands of dollars on our journey, and as you can tell from our Itunes interview (here) he has no problem telling you how to optimize your repayment journey … which is exactly the type of person you would need in order to get great feedback! He broke down why we could optimize our path better (from a financial standpoint) by waiting 25 years and investing our money instead, but I chose to follow what I felt was right, and pay it back aggressively instead. The good thing is, you can discuss options and a good professional will make sure that you are aware of all the ways you can tackle the debt, but in the end, you are the decider about what to do.
  3. Educate Yourself. Admittedly, we did this with a financial planner holding our hands. We learned about budgeting strategies, loan repayment options, ways to optimize our health insurance, options with our retirement funds, and more. Off course, you don’t need a financial planner. There are plenty of books, sources and inspiration out there. The more you get educated on personal finance, the more options you will have. As you learn new ways to battle the same thing, you will become more innovative in your solutions, and doors which you never knew existed will open. Knowledge will only facilitate the process.
  4. Get Budgeting Down. It’s difficult to direct money towards paying down debt when you are always scrounging for money in order to live. Living paycheck to paycheck would indicate that there is nothing left-over to funnel towards your goals (student loans included). Creating a budget and sticking to it will help. Start with my course on creating a budgeting tool, and go from there!
  5. Manage All Other Debts. The last thing you want to do is to focus on student debt so much that you ignore all other debts, or worse, accrue an even larger number of debts! For us, managing all other debts meant paying down higher interest debts such as credit cards. We paid these off within the first month of marriage. However, for those with lower interest rates than my student loans (that is, lower than 6.8%), we paid only the minimum payments. For example, Mike’s car loan has a lower interest rate AND a lower total amount. Therefore, the money would be of better use towards my student debt, rather than eliminating the car loan.
  6. Get a Good Job. Let’s face it, a good job will largely affect how well you can pay off your loans. A job that’s consistent, reliable, and pays well. As much as I would love to explore being a temp, I also know that working more days as a dentist will help us on our repayment path. So there must be a balance. I can’t just cut down dentistry to one day a week and then pursue all my other creative endeavors. And if you’ve got a large debt, unfortunately, it wouldn’t behoove you either.
  7. Consider Side Hustles. Once our spending habits were controlled with a good budgeting tool, I started to think of ways to increase income. Actually, I started to explore hobbies that I like to do, and found ways to use that to make extra money. I started side hustles at the beginning of 2019, and the returns have been increasing steadily. I cannot wait to see where this year of side-hustles will take me.
  8. Be Kind to Yourself Along the Way. Lastly, but most importantly, find ways to make this lifestyle sustainable. The importance of enjoying life, rewarding yourself for your hard work, and having grace cannot be stressed enough. If everything in your journey is harsh, then it will be difficult to continue on when the days get rough. Because they do. I can recognize when I feel bogged down by the weight, tired by the work. When I do, I schedule a day of rest, or force myself outdoors, or meditate to reset. I send all my focus towards taking care of me, and in doing so, the loans find a way to take care of themselves. Ways in which we make this journey more sustainable include finding creative joys – I dabble a lot in the arts, Mike dabbles in music, and we both fulfill recreational activities in the form of travel, hiking, board games, and get-togethers with friends and family. In the end, you have to do whatever it takes to feed the fire.

Using Gifts to Talk About Mindful Consumption with Younger Generations

When was the first time you were introduced to the concept of gifts? If it’s like most people, it was likely at an age when you were not yet capable of comprehending what a gift was! Growing up, we all were taught to expect gifts and to ask for things, even when we were too young to expect anything at all. From our very first birthday, we were taught that gifts come hand-in-hand with any celebration. Aunts and uncles would ask for wish lists, and parents would prompt you to write a letter to Santa. In this sense, gifts were one of the first factors in propelling our lifestyles towards one of consumption. This Christmas, I implore you to change the way we talk about gifts with children.

ON TALK OF GIFTS:

Instead of asking children what they want to receive for Christmas, ask them want they want to do. Avoid the talk of gifts all-together. I ask kid patients who come into the dental office what they have done thus far to prepare for the holidays rather than ask them for their wish list. If a child says, “bake cookies”, I ask them if they plan to give some to their next-door neighbor or friends at school. If they say “write a letter to Santa”, I ask them if they are also going to write a letter to their sibling, telling them how important they are. If a child brings up gifts, I ask them to tell me the one thing they have in their life right now that makes them feel most gifted, whether that’s their family, their warm bed, a hobby, or a special moment.

ON WRITING WISH LISTS:

If you are writing a letter to Santa as a family, perhaps challenge a child to write only ONE material item that they “want”. I am not saying deprive a kid of STUFF. I am simply saying to limit how much of it surrounds them. Your child likely does not need a dozen more toys. A statistic states that the average child in the developed world owns more than 200 toys, but plays with only 12 of them on average a day. Additionally, the US children make up 3% of the children in the world, but owns over 40% of the toys in the world. So as a non-mother, I do dare say that your child should only ask for one material item. My suggestion? Ask them to request experiences instead. Perhaps your child will ask for their favorite meal, or a venture to the movie theatres. Mayhaps they ask to adopt a pet, or to spend an afternoon helping others at a soup kitchen. Maybe they’ll ask to see far-away grandparents this year, or for world peace. Children are so brilliant when it comes to ideas. They may surprise you, let alone Santa.

ON CONVERSATIONS ABOUT CONSUMERISM:

If you ARE gifting kids something, start a conversation with them about where their gift comes from. Let them know that their item affects the environment, and the people on it. Tell them how. Spend some time with them researching who made the gift, and what purchasing the gift means. It’s important to have them understand that things do not just magically appear from the sky, even if Santa does. In knowing this one simple fact, they will become more mindful about the source of everything that enters their lives, rather than dismissively assume that our consumption has no effect. In doing this, we can raise children with enough awareness to question.

ON MINDFUL GIFTS:

There are many ways to start the conversation with mindful gift-giving.

  • Fair + Simple launched their Fair + Little line this year. The collection consists of curated goods hand-sewn by women in the Philippines. Each gift is meant to change the way children views stuff. There is a card for every purchase, telling the child a little bit about the maker, and how the gift helps others. There is also a call to action that prompts each child to get out in nature, and become treasure hunters. Inside the pockets are hidden treasures from the founder, Molly. To learn more about Fair + Simple, check out my interview with the founder.
  • KrochetKids has a collection of children’s knitted goods, ranging from beanies to stuffed animals. Each product is hand-signed by its maker, thereby opening the doors for you to tell them that their items are made by hand by a human being, not a machine. You can also have them write a Thank You letter to their maker, and send it to them online!
  • Farmer’s Market and Artist Fairs are great ways to have a child actually meet the hands behind their gift. They can even speak with the maker and ask them questions, such as how they got started making these things and what was the hardest part about its production.

 

 

 

 

 

 

 

An Advent Calendar for a Slow Holiday Season

When we were younger, we would go to the grocery store with my mom and see advent calendars up for sale. I would beg my mom to get me one, excited about the promise of opening a chocolate-filled container every day until Christmas. But my mom would refrain, telling us that we have chocolates aplenty at home and we don’t need a calendar in order to eat it. Still, I would think to myself, what a wonderful way to spend the holiday, looking forward to a little self-indulgence once a day in anticipation of Christmas morn.

Needless to say, nowadays my concerns aren’t centered so much around chocolate as they are about intentionally living each day to their fullest. (Well, sometimes they are.) Yet, living with less is a form of indulgence in-and-of-itself. How many times do I see people at the mall in angry moods, stressed by a floor-length gift list, or families rushing to check off boxes on their holiday to-do list. Put up the lights, check. Wrap the gifts, check. Pictures with Santa, check. Write the letters and bake the cookies, check. Order the holiday cards and mail them, check. It is this time of year especially that I am aware of the ways in wish we constantly fill our lives and rush through the days, missing the season completely. As with most things, we spend our lives looking to the future, and by-passing the present entirely. Therefore, my efforts are concentrated around my only goal for the holiday season, which is to simplify it.

Along those lines, I love the idea of creating an advent calendar that is constantly reminding us to take it slow. Ironically filled with activities to-do galore, the calendar is meant to insert an activity intentionally bringing us to the present. Each card details either a way to connect with others, to do good, or to wind down. And let’s not forget activities for ourselves, too. A little self-love in the form of mulled wine. Or a coffee date with a loved one.

Off course, the calendar isn’t meant to be rigid, which would add another stressor in our lives. Numbered one to twenty four, the fulfillment of said activities need not be done in sequential order. Think of it as a mere suggestion. If it’s rainy today and a walk in the neighborhood will surely bring displeasure, then swap for a different activity. If two activities sound great on the same day, then maybe double up. Skip one after a long day of work. The intention is not to add another check box to the list. Simply, it’s a physical reminder to be here.

Additional points if you create the advent calendar with the rest of the family members, like we did. (As you can probably tell when you get to activity #22.) Enjoy our suggestions, and I hope you have a few great ones, too.

  1. Watch a Christmas movie together as a family. We’ve already done Home Alone with my brother and roommate, but there are more classics to be seen. My personal favorite, How the Grinch Stole Christmas.
  2. See the lights at the Newport Boat Parade. We usually bundle up in our coats and gloves and beanies and stand on the bridge leading up to Lido Island as we watch the boats float by. Waving to the occupants, optional, a warm mug of hot chocolate is not.
  3. Make Christmas cookies. Sugar cookies and snickerdoodle are fun, but chocolate chip will always be my go-to.
  4. Deliver cookies to neighbors. Because we don’t know our neighbors as well as we should.
  5. Put up the tree and decorations with family. Re-living some childhood mems, we have invited my parents and brother over to join us in putting up the tree. In the interest of frugality, my parents have lent us their old 9 foot tree to put up in our home, lights included.
  6. Group gift wrapping event. It’s more fun when you wrap gifts with others, rather than alone. Instead of a chore, make it an event. Invite some pals, serve cheese and bread.
  7. Cover a Christmas song with Mikey. This requires a bit more time, and patience, on both our parts. Letting others hear the end product is up to you.
  8. Take a walk in the neighborhood to look at the lights. Every year, my parent’s neighborhood has a light contest. It’s a pretty big area, and it would likely take a few hours to walk a decent amount of it. But we’ll make the time.
  9. French Toast breakfast, for dinner. Or for breakfast, up to you. Add a smear of persimmons, perhaps.
  10. Coffee date at our favorite coffee shop with sketchbooks for sketching passer-bys. This is a true indulgence, one that requires spending. It’s been a while since we’ve ordered coffee out, what with No-Dining-Out November barely behind us. I’m sure our barista will welcome us with open arms.
  11. An evening dedicated to reading. If I could do an entire day, I just might. It’s been a while since I’ve been able to pick up a book and finish it on the same day!
  12. Bake home-made croissants for a local office. I was asked to bake my home-made croissants for an entire office team back in July. I’ve put it off for a while, because it is a lot of work. But when the croissants got mentioned again at Thanksgiving, I thought, what a perfect way to spread holiday cheer. So I will be spending a weekday off baking for others.
  13. Bake a pie. I have never made a pie. But I want to experiment using our bread. I am taking filling suggestions, if you have some.
  14. Make mulled wine and relax after a long day. In Germany when we were walking the Neuschwanstein castle with our friends, they brought us to a stand and ordered us some Gluwhein. Mulled wine is a common drink during Christmas time in Germany and Austria, served piping hot steeped with fruit and topped with a big of sugar. The perfect way to decompress after a long day.
  15. Make hot chocolate and take an after-dinner walk. Sometimes, after dinner, we just get in that mode of clean, wash, and lounge til bed. I really want to make the effort to step outside and just take the night in.
  16. Make Christmas cards and send via email. We make our Christmas cards digitally, and send them via email, to reduce waste and postage costs. Typically, we flip through the past year’s photos, making this a great way to reminisce on our best moments, as good as the day they were taken.
  17. Spend an afternoon playing boardgames. Because who doesn’t like a little friendly competition?
  18. Have a bonfire at the beach. Mike has been wanting a bonfire since the summer days. It’s time we actually do it, and bring smores along, too.
  19. Go on a hike. Get a breath of fresh air.
  20. Declutter and make space for the new year. In fact, make space for the now.
  21. Turn up the records. Neglected the past couple months, sitting on a shelf, it’s time to give em a little love. Listening to a vinyl is just way different than asking Siri to turn on Spotify.
  22. Make milkshakes and race to see who can drink them the fastest. To use a straw, or not to use a straw?
  23. Light a candle. Avoid turning on the lights. Add a little hygge and eat by candle light. Better yet, write by candle light, with paper and pen!
  24. Gather with friends. The generic-ness of this statement reflects the difficulty, as this is the busiest time of the year. Snag moments whenever you can.

Other ways to practice slowing down for the holidays.

  • Write down one thing you’re grateful for every day and put it in your stocking. Read all your gratitudes on Christmas day.
  • Put limits on everything. Limit the number of gifts you get, the number of parties you attend, the amount of minutes on your cell phone. Replace with moments of silence for a peaceful holiday.
  • Create a children’s book advent calendar.
  • Call old friends and far-away family members on the phone. Just to say hello.
  • Pick up good habits. Greet everyone you pass. Look at people in the eyes. Put away cell phones during social interactions. Say good morning every morning, give your loved one a hug every night.

Dear College Kid: Pursuing Medicine Will Not Get You to Financial Independence Faster

Dear College Kid is a series I decided to write to my younger self. I would send them too, if I could somehow teleport myself via time machine to my late teens and early twenties. I hope other college kids find these letters, and garner some foresight that I myself had lacked. I hope it changes their lives.

Dear College Kid,

Have you ever heard of the term FI? More importantly, do you know of the FIRE community? Standing for “Financial Independence, Retire Early”, FIRE is a concept that aims for the option to be free from needing to spend forty years of your life working. Not to be confused with your life’s work, FI aims to free people of your job, if and when you choose to do so, in order to do your life’s work.

What I am here to tell you is this. If you’re dream is to pursue FI, then the medical profession is not the best, most practical route. I’m a dentist, who graduated from dental school at age 26 with more than half a million dollars in student debt. Now imagine being a doctor finishing residency at age 30, or an oral surgeon finishing at age 34. What you have as a college kid that I no longer do is time on your side. Time to get a head start, time to reach freedom more quickly and efficiently. Time to start opening doors.

At 21, I had no idea FIRE existed. It’s unfathomable for me to even think that I would have understood that work is not necessary in order to live a good life. A 21 year old graduating with zero (or very little) student loans, pursuing a desk job and saving  their income will have a 5-10 year head start on a 30 year old medical professional graduating with hundreds of thousands of student loans and saving none of their income because it is all tied up in debt. I will start at 36 years old at $0 in the bank if I spend all my income right out of school and funnel it to paying down my student loans (something I’ve talked about before). Meaning, the 21 year old with the desk job will have 15 years ahead of me in savings. On top of that, those savings have been racking up compound interest for 25 years. Assuming a moderate 6-7% return rate, those 15 years makes a whole heck of a lot of difference!

Off course, if you are pursuing the medical field, I am not dissuading you entirely, if it is what you WANT to do. The medical field is great! I love my job, but that’s because I did not go into it for the money. If you want to become a medical professional because it’s what you want to do for a long time, then by all means, you will be very happy! If you want to enter the medical field because you want to be RICH and that’s your goal in life, then you will be successful. BUT, if you are pursuing freedom or FIRE, and you think the medical field will get you there quicker because of the higher salary, you are incorrect. There are people in the FIRE communities who retire at 30 years old. If you go into the medical field, unless you have relatives that can pay for your entire tuition and you graduate debt free, well, you’ll still be at net-zero at 30 years old, but at least you have the means to get to FIRE by mid-to-late thirties perhaps. Most parents, however, cannot support med school, and if you graduate with a medical degree AND a ton of student debt, then you’ll be reaching FIRE later than your other FIRE friends. See what I mean?

This does NOT mean, pursue a desk job that you hate in order to reach FI. We reach for FIRE in order to be happy. There is no point putting yourself through misery in order to get to FI because you’ll be giving up happiness in order to do it. Some people say, “Well, I’ll just put in the work and hate my job but get to FIRE faster and THEN I will be happy.” But will you really, though? Reaching the end and never working a day in your life does not guarantee you will be happy. True FIRE pursuers recognize that it isn’t about the end goal, but the journey. It’s about gaining your freedom in the future, without giving up your freedom now. Otherwise, you’ve read FIRE all wrong.

Alternatively, FIRE is not entirely about Retiring Early. It’s about having the option to not work at a job, in order to pursue something else in life that will lead to more happiness. Ultimately, this all boils down to entering a profession for the right reasons. If you find a profession you love, you may not need to retire at all. I find myself happier than a lot of my colleagues, some of whom have only been out a few years and are already “sick of it”. They want out! Unfortunately, they are far from being free because of their lifestyle, or their debt, or a combination of the two. I am happier because I did not enter the field solely for money. I am happier because I do not need as much money in order to live, and can therefore choose how much of my life I need to give up in order to live a happy one. As I’ve said many times before, having money dictate the way you live your life is not a good thing. Whether that’s a lack of money, or a plethora of money. My dream is to free myself from student debt, go FIRE, and eventually travel the world and work for free as a dentist in third – world countries. To give back to communities that dentists never touch. I will likely never be “rich”, but my life will be. I am very, very happy, because I am doing what I love.

So in summary, enter the medical field if it is something you are very interested in or really want to do. (Sage advice: enter ANY profession because it’s what you want to do.) Do NOT enter the medical field, thinking it is the quickest way to get you to financial independence. It’s not the fastest, and it’s not the easiest, either.

For those just hearing about FI, here are a few of my favorite blogs and podcasts:

Welcome to the rabbit hole.

Property Ownership: Taking Renovations Nice and Slow

Buying a home comes with so many strings attached to your emotions, and its got you moving in all sorts of directions. One of which is this desire to create your fantasy dream home, RIGHT AWAY. In this post, I am going to avoid digging into the recesses of our social upbringings to address how we are shaped to want such a thing (*cough* HGTV *cough*) for the sake of time, which I am admittedly currently short on amidst all the property fixes, the packing, the moving and student loan tackling. Rather, what I am going to say is this: Take renovations nice and slow.

First off, Congratulations! You have a new home! Have you even  taken the time to celebrate that? We are trained to seek more, more, more, that few of us take the time to be grateful for what we have. I know I am much the same. It isn’t long after I’ve accomplished something that the following words are out of my mouth: “Okay, what next?” How about stopping, taking a breath, and seeking the NOW? As cliche as it sounds, take time to smell the roses.

Now, if you’re like most people, you likely had to take out a mortgage for your newfound space. Which also means you likely spent a good chunk of change for the down payment. Dare I say that for a number of people, the down payment makes up a majority of your life savings, especially if you are young and just out of college like me. I can attest. We took 100% of our emergency fund, and spent it ALL to make a 5% down payment on a $499,900 home in Orange County, CA. While you judge us however way you wish in the way we spent that money, we are now starting from where we were two years ago, when I graduated with $575,000+ in student debt while owing my then boyfriend, now husband, an additional $20,000. Except we have paid down $100,000 towards that debt and we now have a home. I have faith that we will be just fine.

If you could get over the judgement, here is what I have to say. The focus is not to renovate the space into a dream home. It’s to build your life around something that makes you ultimately happy. Comforts of an emergency fund included, digging yourself further into financial debt is not. Rebuilding our emergency fund is where a majority of our focus will be for now. So what if the counters are cheaply made of wood, and have minor signs of water damage? So what if the sink does not properly fit into the counter-tops and caulk was used to seal it up? Never mind that the cabinets have multiple holes in them from the handlebars that were there previous to the current ones. Or that the bathroom stall has glue stuck to the walls. Yes I want a brand new couch to replace the hand-me-down that I received from my college roommate in dental school. But I’ve lived with it for five years, and looking back and seeing what I’ve done with my life says maybe it’s worth sitting on that couch a few years more.

I can tell you that most buyers, myself included, can find unlimited furniture upgrades, faulty appliances, and remodeling projects, all of which will quickly deplete the incomes of even the rich and famous. In the voice of Admiral Ackbar, “It’s a trap!” These temptations will prevent the most frugal among us from saving their hard-earned incomes. Some even rack up high interest credit card consumer debt! Feeling a squeeze in the budget is normal, but you have control over that constriction. I would recommend taking a very lean approach to your budget, and take renovations nice and slow. Personally, my goal is to go ham with the student loan debt while rebuilding that emergency fund (substitute your important financial goal here). I assure you that you will be able to transform your place into something beautiful, in time. Meanwhile, be glad that you have a comfortable place to sleep, a functioning stove, a roof over your head – all things that many people around the world can only dream about.

If you are at the point where you want to take on renovations, you may be asking, where to start? Surely, not with the cosmetics. We are fixing only those that require most attention. For example, the bathroom in our roommates space only emits hot showers. And while hot showers are nice, we do need to add cold water for fine tuning. Additionally, the fridge that’s included with the space has no water filter. So we’ve installed a water filter under the sink, to avoid plastic bottles. Lastly, we spent our entire weekend taking off the shelving and wooden floorboards that the previous owner left behind. With that comes wall spaces that needed patching and re-painting. There was a closet door on the first floor which they’ve cut a hole into, so we bought a piece of wood and cut it to create a new door. I then painted it to match the rest of the house. A majority of the work we did on our own, with the help of a cousin and uncle. Someone quoted us $500 to remove the floorboards, so we did it for free instead. Alas, here is the “nice” part to the “nice and slow”. Doing the work ourselves saved us a lot of money, taught us a few things about property maintenance, and strengthened us as a team.

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Meanwhile … we have started the re-financing process!!

Small Space Living: We’ve Joined the Small House Movement!

It’s likely apparently obvious to those who enjoy this space that I have a slight infatuation with decreased consumption, which stems from a cognizance regarding third world countries, from whence I came, and the less-ness that exists (in terms of material goods) in correlation to the comparative abundance of happiness levels. So when the small house movement came into my radar, as I was exploring theories of minimalism, essentialism, and frugality, I was on board like a runaway child on a boxcar train.

The small house movement is embraced by those privileged enough to have an interest in reducing their living quarters to something more practical than the escalating housing  trend in the early 2000s. Technically, small housing is defined as a space less than 1000 square feet (still grand enough for a family of deux), whereas a tiny home is defined as one having less than 400 square feet. The more I browsed adorable photos of RV living and tiny guest homes, the more I thought to myself, “Why don’t we do this?”

Off course, extreme as I am, I immediately jumped to the thought of tiny house living. I approached Mike with talk of buying an RV, and posting up shop at a parking lot by the ocean. Imagine hanging macrame holding plant pots, a teeny kitchen with an oven big enough to make my own bread, a fold up dining table that double serves as a desk, and still room for a king sized bed. All thoughts of which were resisted heavily by a six-foot-three giant with claims of not being able to stand tall inside a camper. Fair enough. Just because I can fit inside a hobbit home, does not mean that a hobbit home is livable for my tall husband. So there goes that idea.

So then I started looking at homes bordering tiny. I set limitations on my Zillow searches for homes 600 square feet or smaller. Unfortunately, very few searches came up in Southern California, and unless we wanted to co-live in someone else’s backyard, zilch came up in Orange County. Somewhere along the way, I realized that my desires came from something external, specifically, from the appearance of tiny living. The homes that I was searching for did not move us towards the life we saw ourselves living. It may keep us away from over-consumption, out of necessity due to lack of space, but I realized we didn’t need to buy a tiny home in order to do that, too.

Once I saw that, I started to go back to our original idea, which was to buy a live/work loft like the one we were currently renting. The dream is to one day, wake up and walk downstairs for work. To work together doing something that seems mundane, but involves creating something as well, to share with the community. In order to make this dream a reality, we started looking at properties that would set us up for a future business. So that’s what we ended up doing.

We bought a 1,500 square foot live work loft in the heart of downtown Santa Ana. The greatest part of all? We technically joined the small house movement too! Our living space resides on the second floor, and the downstairs is partitioned specifically for a business, or a roommate for co-housing. Since the business has over 500 square feet of space, it leaves us with around 900 square feet of living space on the second floor. I’ll pretend that counts as small house living! It has everything I need and more, but without the excesses of a typical home. For example, there’s not closet on the second floor. There’s not even a bedroom or bedroom door. In fact, it’s an open floor plan, with no doors at all, not even a bathroom one. Minimalist to a high degree, but made even more functional in its sparseness.

floor plan

In this new series, Small Space LivingI hope to delve into the pros and cons of living with less. Some of the things I look forward to most about living small include:

  • Increased cash flow – When we were searching for a live/work loft, we had the choice of accepting a counter-offer for $650,000 and a counter-offer for $499,900. We obviously went with the latter. Now imagine if we were going to compare this place to a stand-alone home! Smaller homes might afford you a smaller mortgage, but there is the added benefit of lower property taxes, decreased homeowners insurance, and less maintenance costs. Imagine if you took the extra money you saved to improve on your home insulation or invest in solar roof panels and skylights to reduce energy consumption. Or you know, funnel that extra cash into paying down student debt, or creating the life you want to live.
  • Less Maintenance – Nothing excites me more than the fact that I will not have to spend hours of my days off keeping a large house clean. I recall my mother sweeping the floors day in and day out, and wondering to myself if she would have more time to relax if only we had a smaller home. Cutting down the hours needed to maintain a home leaves more time for enjoyable activities, furthering a business venture, or simply spending time with loved ones.
  • Lower utility bills – It costs less to cool down a small home in mid-summer’s heat than it is to cool down a large mansion, especially in deserty California.
  • Reduced consumption – The thing I love most about limited storage is the limiting effects on gaining even more stuff. Gone were the days when I would go rogue at a shopping mall, and there’s hardly a purchase I make now that does not involve hefty consideration. I avoid the cycle of buying more things, and then buying more storage for said new things. So many Americans use their garages as storage space, and when that isn’t enough, rent out a separate storage unit to store even more of their stuff! What’s the point of owning things that you never use? Currently, I have made a habit of getting rid of something that no longer serves if I need the room for something that adds more value to my life. So yes, I guess you can say I am pretty excited about the limited storage space.
  • More time with family – Have you ever left a family gathering and realized that you never saw Uncle Bob, or didn’t have a chance to catch up with your cousin Joe? Less space means that more room must be shared. When I was growing up as a teen, I thought having my own space was the most amazing thing ever. Now, I realize that we humans are social beings, and there is so much to be garnered from our togetherness. I’m all for a space that encourages bonding over group activities and dinners, strengthening relationships and creating memories. I now know the truth, which is this: Our dreams will end once we achieve them, but our memories will last our lifetime.

Off course, all this isn’t to say that small house living is entirely fantastic, let alone easy. Easier for some, but still, there is the question of where the clothes will go, and how to make do. Hopefully during the journey, I’ll share some solutions, and reveal some tips, that even I have yet to discover. What I do have to say about it is this: thinking about all that we already have, rather than what we don’t, leaves plenty of room for gratefulness to abound. For example, vaulted ceilings and 25 foot windows that grant me an abundance of natural light (and joy). A balcony for escaping, when spaces are not enough. Working appliances, and a roof over my head. An opportunity to celebrate our home with both sets of parents tonight. You know… the basics.

 

 

Intentional Living: Setting Boundaries

Once upon a time, when I was young and naive, I thought it would be most ideal to become the best “YES”-woman out there. That was my life goal. To take on the role of a fictional superhero, one that was capable of juggling a million things, and additionally, excel at them. I was deemed a bright star, but like all bright stars, I eventually burned out and, to some extent, was reborn. Existential notions aside, today I aim for a different life. One that is of a slower pace, one that has awareness with each step, and mindfulness with each passing thought. With this new life comes a new role, one that involves setting many boundaries.

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Intentional living cannot be achieved without knowing how to set boundaries. Have you ever felt overwhelmed by a to-do list, social obligations, or financial debt? All of this may indicate that you’ve bitten off more than you can chew, making it difficult to be intentional about any of your actions. You are doing so many things on such a short timeline, how would you have the time to consider what the repercussions and consequences of your actions are? How will you have time to explore alternatives? You won’t have time to think about what’s good for you, let alone what’s good for others.  Nothing about a fast lifestyle is intentional.

Some may argue that setting boundaries is selfish, but I beg to differ. Not having enough boundaries indicate a low self-esteem. Essentially, you are saying, “I am not important enough to be put first.” You spend your life trying to please others. I myself was once a people-pleaser. It made me extremely happy to make others happy. The problem was that my happiness was dependent on others, which was ultimately, destructive. It’s nice to make others feel good and to help others, but our own happiness has to come from within. Therefore, self-love is a key to happiness. Self – love is not equivalent to selfishness. Self-love invigorates us with life.

Off course, recently, I have been trying to separate boundaries from barriers.

Boundaries are always shifting, are growing with you, and are forgiving and kind. Barriers are definite, closed-off, and distancing.

Still, I struggle between the two, but I am learning. I have a tendency to require myself to show up and be accountable in terms of absolutes. I have difficulty allowing myself failure, allowing missteps and set backs. But once in a while, I am reminded of the need to be flexible, to mold with situations, and to move in a way that defines freedom rather than constriction.

Where to begin?

Know Yourself: You can’t set boundaries if you don’t know what you need. Many people have difficulty avoiding the stresses of the grind, because they don’t know what sets them off. When you are feeling tense, take time to identify the cause. Try to figure out how you can prevent it from happening again. Trust your feelings, honor them, and learn who you are and what values you uphold.

Select Your Crew: They say that you are only as good as the average of the five people you spend the most time with. While that may be oversimplifying things, it’s true that sometimes, we keep relationships that are negative. Surround yourself with people who build you up, who invigorate you, who make you feel passionate about something. Keep those who support  you. For those that are unaligned with your values, set boundaries, not barriers. One of the ways in which I have a tendency to put barriers up is by cutting out negative people from my life. It’s been for the better, but it wasn’t entirely kind. Additionally, cutting people out entirely does not allow room for growth, in either party. Even I can learn in this regard.

Limit Social Obligations: As an introverted couple, we exercise this more heavily than others. Social parties for us can be draining. One-on-one situations are better than group events, and shorter gatherings at home feel more comfortable than long weekend vacations. We know this about ourselves. I limit my social obligations because I know that I need time for myself, too. I let close friends and family know that we need time aplenty to mentally prepare, and to plan for a recovery period of recluse afterwards. It’s about knowing who you are.

Work Responsibilities: Work should never be taken home. That’s a rule that we practice in our household. Once we clock off, we respect our time to be spent with our loved ones and with each other. Once the lines between work and home start to blur, so do your priorities.

Web Surfing and Social Media: This is a recent one, but one of the utmost prevalence. Eyes have a way of gravitating to screens and hands have a way of reaching for phones. It’s like a magnetic force pulls us towards our electronic devices, and we must resist our ingrained tendencies. Setting aside specific times to use social media or surf the web is a great way to set boundaries. I try to limit use of Instagram to the morning hours on weekdays, before I head off to work. That includes using the Gram for blog stuff as well. I also have implemented the practice of consuming once, producing twice. Meaning, for every hour I consume media (whether that’s movies, videos, podcasts, reading blogs, and scrolling through social media), I try to spend two hours creating (examples of which include coloring, drawing, practicing guitar, writing on the blog, singing, or working on something else productive). What I’ve found is that the act of producing has this snowball effect that then fuels even more creation, which ultimately affects what I choose to consume. It keeps me from consuming random, unrelated stuff, but rather, I am spending my time learning about things I am working on. I consume other blogs that I could learn from, or music that inspires me to learn guitar. I listen to podcasts that motivate me with my financial journey. Et cetera. By allocating where I spend my time, I am also limiting what enters my life. Need help? Try these.

What I Need to Work On:

Mostly, I need to focus my attention on setting boundaries of the mental kind. Warding off worry, or negative perspectives of certain situations. Trying to grasp more control over my own happiness, by controlling the way I react to situations and people. Trying to be more fluid rather than rigidly standing strong. Despite all our trials, we need to keep our hearts warm. We need to remember the words of N. Waheed.

Stay soft. It looks beautiful on you.