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I’ll bet you’ve heard about people who have built homes without a mortgage and who are living a debt-free lifestyle. Sounds appealing, doesn’t it?
But with the current way we design, build, and buy homes – it probably seems like an impossible task. And using the currently accepted method of acquiring a home – it is impossible except for the very rich.
In this video, I’m going to share with you Six Strategies I used and now teach to others to create mortgage-free and utility-free homes and lifestyles.
More stuff to help you build a sustainable home of your dreams:
🌻 FREE PDF Download: The Six Essentials of a Sustainable Home Plus Bonus – the Before You Buy Property Checklist:
📘 BOOK Twisted Oak: A Journey to Create a Self-Sustaining Life and Home by Kristina Munroe PE
💻 Module 1 of Pipe-Dream to Plan – available now:
Some Conscious Building Materials
Book: The Strawbale House by Steen & Bainbridge
Book: Earthbag Building by Kaki Hunter & Donald Kiffmeyer
Compressed Earth Block (CEB)
YouTube Video https://youtu.be/IuQB3x4ZNeA
I’m Kristina Munroe. I’m a structural engineer, author, and consultant. My passion is guiding you step-by-step through designing and building a sustainable home you’ll love without the typical frustration, overwhelm, and costly mistakes.
In 2010 I moved my two young sons back to my hometown of Durango, Colorado to build an off-grid home and to start a new life. Along with a talented carpenter, and a couple of helpers, we built a small solar-powered home we lovingly named Twisted Oak. This magical home is not only beautiful, whimsical, and fun, but it heats and cools itself, generates its power, collects and heats its household water, and manages its waste in an environmentally responsible way.
I believe we can all live more abundant lives by lessening our impact on this precious planet and living more connected to cycles of nature. This is not about living in lack, but rather embracing the abundance we have by consuming and throwing away less.
I raised my two young sons in Twisted Oak. And in all those years, I’ve never regretted creating a small, simple, and affordable home.
We love living closer to nature and reducing (not eliminating) electrical devices or modern conveniences.
I carefully and consciously designed our home so that we do not have a mortgage or monthly utility bills.
Are You Debt Free With a Mortgage, 7 Strategies to Build a Home without a Mortgage.
Charge Card – On Being Debt Free
Being primarily debt-free does have some disadvantages. Banks can seize the residential or commercial property or possession on which loan is being sanctioned. You should consider a protected financial obligation combination loan.
7 Strategies to Build a Home without a Mortgage, Enjoy more full videos relevant with Are You Debt Free With a Mortgage.
Financial Obligation Relief Ideas That Actually Work
You won’t get there working one job and earning a direct earnings. Serious delinquency, bad public record or collection submitted – You have a big judgment, collection, or lien. Therefore a credit limit is specified for you.
Lots of customers have actually significantly cut back on spending as their incomes outlooks have ended up being cloudier. As recently as 2008, studies revealed the typical cardholder has 7.6 cards. Unfortunately, despite the fact that the spending has actually stopped, the financial obligation accumulated in the last couple of years still needs to be settled.
UnSecured Debt has no tangible item on the line as collateral, so it generally includes a greater rates of interest. Individual loans and credit cards are the most common types of unsecured debt. Trainee loans are a little difficult. It seems as though it ought to be classified as unsecured financial obligation, considering that the bank can not take back your education and there is no collateral; however, rigid laws use to student loan financial obligation. For instance, it is not dischargeable in personal bankruptcy, so trainee loans should be thought about Secured Debt.
You will find a variety of options for protected debt combination online. The Internet can be used to look for the financial obligation alternatives from the comfort of your house. Nevertheless you need to commit time and work a bit tough to find the very best option.
Device a strategy: After creating your concern list it is time to develop a plan to be Debt Free. The payment plan must help you to pay off the concern loans easily. So try to put all the additional money towards the payment of the loans. You can likewise make double payments to decrease the repayment amount. In case of the other smaller loans you can make the minimum payments until you are prepared to pay them off.
Absence of current revolving account details – There isn’t sufficient current information on Revolving Debt to make a choice about what type payer you will be. Attempt getting a protected one and make prompt payments for 6-12 months and then reapply if you do not have any other credit cards. If you do have other credit cards, pay as agreed for the exact same quantity of time and attempt again.
There are lots of ways to gain financial liberty and they all have their cons and pros. This is why you are always advised to see your financial standing and payment capabilities initially prior to making a decision on what to pursue. These options have varying results on your credit report, payment term length and the portion by which they can decrease your outstanding balance.
If you are contemplating securing a home equity loan, utilize your loan carefully. Miss 3 consecutive payments and your home might go into foreclosure. If utilized correctly, it can maximize numerous dollars each month, entitle you to a tax deduction and aid protect your monetary future.
An individual does not need to travel down this roadway alone. Even if you have one loan that is late on a payment, your credit history will suffer. An excellent example of this remains in the housing market.
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