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What's the cheapest living situation possible that still has basic utilities?

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Re: What's the cheapest living situation possible that still has basic utilities?

#11
Pick a college town and rent an apartment, optionally with a roommate. In much of the American midwest this implies an all-in rent & utilities expense in the $500 range.

If you wanted to try something more exotic, you can do the digital nomad thing and rent somewhere in Thailand for ~$100 a month, but honestly as a programmer I feel that optimizing sub-$500 expenses is not the best use of one's time versus figuring out how to make money in a stable and hopefully increasing-over-time fashion.

I understand the aesthetic appeal of going off the grid but if you wouldn't get a job as an electrician or day laborer which paid $400 a month then you shouldn't take on any major construction project to save $400 a month.

Re: What's the cheapest living situation possible that still has basic utilities?

#12
post #4

You may try looking into Tiny houses, they may cause some problems with zoning in some area's so picking a location will require some research. A tiny house can easily run under $20,000 fully equipped. Some people have been able to build them for under $10,000. Fix the house with solar panels, maybe a small wind turbine for electricity. tin roof with a rain water collection, you can run is through a 3 stage or 5 stag…

Where would you typically park them for an extended period of time? Is that what you mean with zoning problems? Do people usually try to hang out in a large parking lot for long enough? Or perhaps just get outside the city limit in what looks like abandoned land? Also, how do you deal with the waste water in the long run? Stop by RV parks and empty out your septic tanks?

Location is the hard part, but you can "Rent" from someone with some land. If an individual has a few acres, they may agree to let you park for a small rental fee. Also, if you buy your own land, technically a tiny house falls under the same classification as an RV, but some counties may want to "Keep the riff raff" out or to ensure a certain amount of revenue from property tax. Ask the local count if they will permit the use of property as a residence in a tiny home.

waste water can go into a holding tank, then disposed at an RV park for a small fee. if you purchase land, you can build a septic tank on your land and set up an RV hookup to your septic field. get it pumped once every year or two.

Re: What's the cheapest living situation possible that still has basic utilities?

#13
Used travel trailers and RVs older than 15 years are ludicrously cheap. Arrange with the seller to drop it at your property if you don't have a big enough tow vehicle. You can find small patches of land in rural America for very little money. Say $10k for an acre in woods of no particular scenic beauty with power and water. Once you pick an area a real estate agent can help you find someone's old wilderness retreat or abandoned farmstead.

Speaking as someone with a solar installation, I wouldn't screw with solar if I were worried about cost. Live like you are on solar and you will buy $0.30 of electricity a day from the power company.

Your limitation is going to be fast enough internet, that will keep you close enough to be under cable tv or a benevolent telecom.

Re: What's the cheapest living situation possible that still has basic utilities?

#14
I've been able to do this after re-arranging my life over the past 5 years. I bought 7 acres of bare land for $35k and built a 200 sqft tiny house for $4,000. I homestead as much as I can and my bills are approximately $40/DSL, $40/Electrical, $35/Car insurance (I drive a 90s Honda), and approximately $30 a month in property taxes. I spend about $40 in propane for heat in the winter and my air conditioning bill is an extra $15/month in the summer. I'm halfway between Portland and San Francisco and do telecommute node.js/angular work. I'm saving up to build a nice house and a this summer backhoe. Some projects I'm working on this summer include a biodigester to supplement my propane for cooking gas, a rocket mass heater to eliminate my propane, a backyard blacksmiths area, drip irrigation and cistern system, and more fencing for livestock. My property search took me several years and I had no experience in construction but learned most of it from youtube and asking friends. I lived in a camper trailer while I built my place. So to answer your question, about $200 a month is the cheapest I can survive on.

Re: What's the cheapest living situation possible that still has basic utilities?

#15
> (I can telecommute as a programmer, but would still want to live within a few hours of a major city)

and

> I'd be curious if I could set myself up with a basic home for $40,000 or less

As others have mentioned, it's not too hard to build an off-the-grid small house. If you want to go with new, that's certainly an option.

Since you don't mind being a couple hours from a major city, may I suggest spending a bit more and buying used? You can buy yourself a decent one family home within that distance span. Add some solar panels and you're good to go.

You can also buy a two-family, rent out one of the units, and actually make money. Lots of options in real estate if you don't want to spend a ton.

Re: What's the cheapest living situation possible that still has basic utilities?

#16
post #14

I've been able to do this after re-arranging my life over the past 5 years. I bought 7 acres of bare land for $35k and built a 200 sqft tiny house for $4,000. I homestead as much as I can and my bills are approximately $40/DSL, $40/Electrical, $35/Car insurance (I drive a 90s Honda), and approximately $30 a month in property taxes. I spend about $40 in propane for heat in the winter and my air conditioning bill is an…

That's really cool and probably exactly what I was looking for. Sounds about as cheap as you can go.

How expensive was it to get any utilities hooked up to your property, or was that already taken care of when you bought the land?

Re: What's the cheapest living situation possible that still has basic utilities?

#17
If you're serious about cheapest as the most important variable, then the sort of glib (but true) answer to this question is to observe where people who have no other choice end up living, which means a trailer in a rural area or housing in the cheapest parts of any large U.S. metro.

If you're lucky enough to have startup capital, then you can reduce your recurring expenses to practically nothing. You can find a trailer for a few grand, for example, and functional houses can be found for less than $20k in many American cities. You can probably find parks charging only a couple hundred a month for lot rent, if you go the trailer route, and property taxes will be minimal on houses in the described range, if you choose that, instead.

If you don't want to invest anything up front, you can still find housing for around $350/mo in the worst parts of the Midwestern city I live in. (But you shouldn't expect a very hands-on landlord.) You might even find weekly- or daily-rate housing that's cheaper, but I've never personally looked into that sort of thing.

Obviously, there's a reason that these areas are so inexpensive, but I've optimized only for cost.

Re: What's the cheapest living situation possible that still has basic utilities?

#19
post #11

Pick a college town and rent an apartment, optionally with a roommate. In much of the American midwest this implies an all-in rent & utilities expense in the $500 range. If you wanted to try something more exotic, you can do the digital nomad thing and rent somewhere in Thailand for ~$100 a month, but honestly as a programmer I feel that optimizing sub-$500 expenses is not the best use of one's time versus figuring o…

> I feel that optimizing sub-$500 expenses is not the best use of one's time versus figuring out how to make money

Second this. You can only save so much, but there's practically no upper limit on how much you can make.

Plus making money is more fun than saving it. Saving generally requires sacrifices that decrease your quality of life. And there are diminishing returns, so you'll need to make ever-bigger sacrifices as continue to decrease your spending.

Re: What's the cheapest living situation possible that still has basic utilities?

#20
post #11

Pick a college town and rent an apartment, optionally with a roommate. In much of the American midwest this implies an all-in rent & utilities expense in the $500 range. If you wanted to try something more exotic, you can do the digital nomad thing and rent somewhere in Thailand for ~$100 a month, but honestly as a programmer I feel that optimizing sub-$500 expenses is not the best use of one's time versus figuring o…

> if you wouldn't get a job as an electrician or day laborer which paid $400 a month then you shouldn't take on any major construction project to save $400 a month

We're engineers. We enjoy building things. All sorts of things.

I wouldn't do it all the time, but why not try your hand at building yourself a house? Not as a means to save money, but as a hobby, an interesting project, something fun?

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