The Desert Homestead Blog
Urban and rural sustainable homesteading in the desert southwest

Archive for August 2009

Snowballs and Avalanches

August 8, 2009

After buying my condo, I’ve managed to accumulate some debt. In addition to the mortgage, I have about $7000 in credit cards, a school loan, a car loan, and the loan on my retirement property. That’s about $143K if you include the mortgage. I’ve never been a big fan of carrying debt, so it’s time […]

Budgets and Goals

August 8, 2009

It’s something of a running joke among my friends that I’m obsessed with planning. I’ll probably be buried with my spreadsheets and Gantt charts. This is helpful, though, when it comes to finances. One important aspect of getting your personal finances under control is planning for the future. Saving’s all well and good, but without […]

My Electronic Envelope System

August 6, 2009

The “envelope” system of budgeting is fairly well-known. You simply divide your pay into envelopes according to your budget. For example, say you have a monthly income of $1000. Separate that $1000 into envelopes: $400 rent/mortgage$100 utilities$100 groceries$200 car payment$100 car insurance$ 50 gasoline$ 50 miscellaneous—-$1000 Obviously the above is very simplistic (and optimistic). But […]

What’s the deal with fitness?

August 5, 2009

As mentioned previously, my goal is to retire and live off the grid — fitness isn’t just helpful in this endeavor, it’s crucial for many reasons. We’re all in a race against the clock. The main reason I want to retire early is so I can truly enjoy the time I have left, not waste […]

No Pain, No Gain

August 4, 2009

I recently had a general health checkup, and the results were pretty decent. My bad cholesterol was low, my good cholesterol was high, my BMI rocked, blood pressure and blood sugar were great. In fact, there was only one problem: my body fat percentage was over 30%. The only way you can have a good […]

Introducing my world

August 3, 2009

Welcome to the Desert Homestead, where you can follow my quest to attain financial independence, retire early, and live off the grid on a self-sufficient homestead in the southwestern US. I currently live in a city of about half a million people, carrying debt of about $29,000 (excluding mortgages on my city condo and my […]