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That means a number of things the least of them being that over 1 million families were living in a dwelling they never imagined themselves in when they signed loan papers, closing notices, rent checks, and equity forms. It means that according to a 2009 report by the National Coalition for the Homeless, at least 1 in 10 homeless people had lost their homes to foreclosure. It means that change is inevitable and already overdue.
Smaller houses – tiny house trailers, earth bag homes, haybale homes, micro homes, cabins, etc – are the long-awaited, but scarcely recognized, solution for those who have become disabled due crippling mortgages and confusing lending terms. They’re also a mortgage alternative for a first time home buyer.
When we began really facing down our consumer debt, our lack of financial options, our desire for a home, and other truths, we quickly realized that small spaces + a little weekend warrior DIY could save the day. Houses built with an emphasis on need -vs- want and simplicity using creativity and inexpensive plans (think rectangle rather than octahedron), translate a lower mortgage. In some cases (as in ours) it means building a small house with no mortgage at all. As Charles Ingalls would say: “cash-on-the-barrel.” Micro homes, if you will, assist in minimizing the major expense of a mortgage or building a house without a mortgage by cutting back on what is excess (like often unused square footage in the home) and focusing on dual purpose items and well-appointed spaces.
But even beyond that small homes mean freedom. What my wife and I figured out is that I was working 60 hours a week so that we could afford a home oversized for our needs, save for a new car that was larger than we could fill, shop at places to buy things we already didn’t have room for, and the list goes on. A small home would minimize our overhead. Minimizing our overhead and reassessing our needs and wants would allow me to cut back on hours at work; hours that could be devoted to our family. There is an obvious exponential pattern in reducing your footprint. Finding a solution that reduces large and overwhelming debt can only bring more financial ease and joy to your life.
Why avoid a huge home loan or mortgage?
- Income from a job is not guaranteed. In today’s economy of constant lay-offs and downsizing no job is absolute.
- The purchase price of a house multiplies anytime the banks want to increase the interest rate. That equals an uncertain payoff schedule.
- Financial strain and problems cause relationships to fracture, or even disintegrate entirely, from the stress.
- Want to go on vacation or out-of-town a few times a year? Impossible. The bank still needs payment which means more working in order to pay off a mortgage debt for the next 30+ years.
And this is just the tip of the iceberg. This doesn’t even account for how carbon footprints can be shrunk by working less, living in less, consuming less, etc. If the work week could be cut to four full time days that would be one more day of car-free living (no fuel used, no exhausted emitted, no oil burned). If your home is the size you need you spend less on heating/cooling, less on furnishing, and less on raw materials (which tend to exhaust natural resources and poison our planet).
Where do I find out more about small homes?
- There are small house plans to suit every need. Some can even be delivered to your parcel of land!
- Read up on others who are building a house without a mortgage.
- Blogs like Tiny House Talk and Tiny House Blog focus on the tiny house community.
- Check out one of the finest YouTube channels (that happen to focus on small houses and alternative homes).
- Don’t think brick and mortar. Try taking a peek at unusual house plans.
- Create your own house plan based on your own needs and your own budget!