optimism

Photo by sour moha

Why Do Anything?

You may have found this site as part of your endless search for what to do next with your life. Perhaps you, like us, continue to search for the Next Big Thing that will increase your happiness or financial wealth or public interest in your project or number of hugs you receive in a given day.

Despite perceived failures, despite financial setbacks, we continue to search for the next opportunity to improve our lives. The alternative is to stop exploring and attempting, to hole up in an enclosed space because the world outside is scary and expensive and painful. Essentially, to believe that curiosity is too expensive for us. To believe that we need a bigger stack of money or a regular source of income or someone smarter or more connected than us in order for curiosity to ever pay off with a success.

But we won't do that, not long-term at least. We remain curious despite setbacks because we won't settle. Because we know that we never know where the next action will lead and the chances of something valuable happening are at least equal to the chances of something painful transpiring.

What is Failure?

Many of us are taught that the most responsible, adult, and financially beneficial way to live is to buy a home using a mortgage through a bank and live in that house. Renting space is a waste of money and a sign of immaturity, we are told.

But only a minority can access this plan for a variety of reasons. For those of us who cannot obtain a mortgage through a bank (or convince a seller to finance a home for us), we believe we have failed as adults, as our own financial managers, as suppliers of solutions to our needs and wants.

Perceived Failure

Failure doesn't have just one definition. According to the growth mindset, failure simply means you didn't learn anything. Failure does not mean "didn't accomplish the thing I was told was best for me."

Not obtaining a home through a mortgage means we must analyze what, exactly, we want and need in a home and then pursue other ways for obtaining them. What looks like failure is actually the position where we are forced to explore other options.

This moment might feel like failure because the action has resulted in us yet again not obtaining what we want or need. The pain of not having a space of one's own, with no threats of eviction, plenty of space for numerous belongings and animal friends, the freedom to entertain guests at any hours - is a very real pain. The pain of high rent or moving from couch to couch are real as well.

But the inability to obtain a mortgage or purchase a house by other means is not a failure in itself. There is no problem necessarily if other options for solving your wants and needs are known.

Photo by Edgar Castrejon

Community

Cooperative people can make life more enjoyable and easier. Cooperative housing, or coops, can make living in a house financially affordable and can make life more manageable when household chores are shared. Investing money in a house or building it with others can solve the housing issue when doing it alone can't.

Photo by Noah Buscher

Solitude

Some of us who value solitude and privacy hoped to find these things in home ownership. Land can often be purchased much more cheaply than a house. Set up a tent, yurt, travel trailer or prebuilt shed and make improvements as you go.

Photo by Devon MacKay

Minimizing Expenses

Home ownership is regularly touted as the solution to paying high rents to landlords, as it is typically less expensive to own than to rent. But there are ways to decrease your monthly housing expenses, such as by living in a travel trailer on rented land. Renting parking space is likely much cheaper than renting housing, and you may be able to recoup the cost of the travel trailer when it comes time to sell it.