Money

Closed Eyes & Warm Heart

I had a significantly worse time at the dentist yesterday than I had anticipated.  My eyes were swollen nearly shut and my lips are double big, like that movie star with all the kids.  Sexy, I suppose, if they did not hurt so badly.  They found that the tooth which they intended to crown had to go… and it did not go well.  They had to keep me under for five hours while they yanked and pulled.  I am sore, groggy, dizzy, forgetful and irritable today.  Not a good time to get on the train to Toronto, then to Kingston, then get back to THO.  The trip from door to door takes about 6 hours which is more than driving (if the traffic flow is good) due to the always long and silly stop over in Toronto, wait times and so on.

This said, I am happy to say that the day before my surgery, my cousin Sandy was by to visit me and brought me this wonderful old photo of my Great Grandmother “Ma” Violet Henderson Compton.  I never saw a photo of her from her youth.  I honestly never imagined her to be so lovely because I never saw her before she was old, or before all the hardship she faced.  She was such a good person: sweet, kind, patient and I loved her dearly.  Still, if you will forgive me for saying this, she always looked sort of worn out even when she was dressed up.  I knew her history, that she married young and that she and my great grandfather “Dad” lost their barn to a fire just as the country headed forcefully into the Great Depression. I know that financially they did not recover until the end of the Depression from that single significant loss.  They moved from home in Kingston Mills when the barn burned, to another in Tweed, then to Odessa, then another in Glenvale, and then finally to another in Sydenham during those hard, hard years.  In those years the kids kept coming too, 11 in all, there was no good way to prevent pregnancy in those years.  Too, adding to her hardship, Dad, her husband was more of a poet who loved horses, then he was a farmer who loved to toil.  He snuck away into his room and spent hours reading himself blind, like me.  She was hand washing and bringing in water from the pump, cooking meals and suckling the rejected lambs.  I don’t recall ever seeing her sit down, even when she became sick.  She went from running, to laying down; a woman with no moderation.  I expect she never had time to reflect.

My grandma, also named Violet, spoke often of those times.  She spoke with particular sadness about the Glenvale house.

This small house was just as old then as it is now according to my grandma.  She admonished me for taking a photo of it, she said she only wanted to forget those times.  There were ten children and two grown ups in the house at that time because the youngest would be born later, and the land was such that Dad was not able to pull a living out of it.  It was all rocks.  The boys slept in one small room upstairs and the girls in the other small room.  Ma and Dad slept downstairs in the corner.  She said the wind blew through the house like it had no walls at all.  They cooked all summer and froze all winter.  It was a standard log house with clap boards nailed outside.  The house is a centre hall plan of about 600 square feet 30×20 feet with a sloped ceiling divided loft.  This was a very standard way of building a house about 200 years ago when those who built it settled here.

The joy that they had when Father Carey set them up on the Carey farm was clear.  Finally they had the space they needed and a very comfortable home.

Nice to see the new owners are restoring the Carey Farm to its original magnificence!  Imagine what it would have been like for them to move from that horrible little house to this beautiful well built stone one!  Goes to show you that Tiny is not always best.  Quality matters a whole lot too.

Categories: Family, Materialism, Money, Off Grid, Ontario, Time, Tiny house, Tiny House Ontario, View | Tags: , , , | 10 Comments

The Gift

My Aunt Marion and Uncle Bob gave me $25 in a card for my birthday!  It made me feel like a little girl but this was totally welcome and wonderful!  I sometimes miss being little… I guess, because I live in house that is the size of a fort (in the woods) you all might have already guessed that!

I am also a very sentimental person… and I thought it would be nice to do something with the $25 that was permanent.   I figured, I could do a little something at Tiny House Ontario which could stay, and I had, what I think is a pretty good idea.

So, I went to Rona, I purchased a peice of wood, I had the good men there cut it to size.  I also picked up two knobs and two sets of hinges.  Then I just drilled them on.

It looks seriously nice, I think… you agree?

I am grateful to have this little something… and will always think of them when I look there.  They are important people as far as I am concerned and it is nice to have a reminder of them so close to me.

Categories: Money, Simple living, Tiny House Ontario, View | 2 Comments

Money, Money, Money

I always put off doing the figures for the 1/2 year because this makes me crazy!  Financial stuff is so darn boring and always so bleak!

Last night when I was doing the figures for this year Hj exclaimed “that is a lot of money” and of course he is right.  THO has cost $92,703 for the lot.  There is a hidden cost too which is not included in here.  This is the land debt.  We have been doing projects on a pay as we go with the income that Hj and I live within, but we do owe money on the land still.  $38,000 of the original $67,000 is still outstanding.  With the payment of $250/month that is made on this but at this rate we are likely never ever going to pay this debt off.  As a matter of fact when we got the loan in fall of 2010 it was about the same amount as it is today.  Not too sharp!  We simply must stop the financially costly improvements on THO and start paying down the debt.  When you start adding interest to the figures it becomes NUTS to have debt!

Saying that we are not nearly as bad off as some people does not make this debt excusable or explainable.

The fact is that we are pretty privileged!  We have two properties, one that is required in Southern Ontario as well as THO and together we pretty near have both land and space though not exactly a McMansion.  Kent Griswold’s Tiny House Blog hosts an article by Andrew Morrison, which suggests that a Tiny Straw Bale home is the answer could be right.  The interesting idea in this article is that he has taken some time to gather some very frightening unconsidered figures on what the McMansion cost their owners/ hour to live in.

I am not sure of his figures but I have done some of my own (to the best of my ability).

The Hamilton house value about $150,000 it is 1000 square feet.   When I include all expenses including food, recreation, mortgage, upkeep, vets, dog care, car, home and debt insurance, … living in this small house costs ~$48,940 a year

As a purely recreational property without any improvements THO adds an additional ~$4,580 to this budget a year, plus extra transportation costs for back and forth between the two places.  This makes THO a ~$400/month recreational property but as I mention we need to increase our payments on the land, perhaps $300/month which ups this to $700!  Brutal!

Assuming we would still use two vehicles and the same amount of gasoline: if we moved to THO, full time, today and lived a similar lifestyle our living costs would drop to ~$26,180 a year, but we cannot.  It is like that silly children’s round… there is a hole in my bucket, dear Liza, dear Liza!  For him there is a hole – for us there is a different kind of hole.  THO’s hole is the nearly $40K in land debt.  Either I have to get a job or win the lottery if I want to move ahead… unless anyone wants to give me $40K… which I think is mighty unlikely.

Categories: Money, Ontario, Open your eyes, Tiny house, Tiny House Ontario | 3 Comments

Little Pink Houses

I really like this little pink house and not just because it reminds me of John Cougar (before he went back to Mellancamp) and my youth.  The way that this central pink house is similar to THO and has has grown organically into a small house makes me wistful and wishful.  I don’t mean for this house but for my own Tiny House and what is in its future.  This one is for sale in Illinois for $38,700 and on the water and you can see a lot more photos at the link.  I really like it, even though the additions are not exactly the way that I would do them if I am ever able to add on at Tiny House Ontario, but then how we do things is very individual!

I have mentioned before on here that I would like to have had a 300 square foot house but the under 108 square foot (foot print) was defined by building codes.  You can’t always get what you want… but even so, what I am really strongly hoping is that before I make my move to THO that these size restrictive codes will have changed.  I would love a 200 foot addition on the front from the roof line out, with a bathroom, laundry room and kitchen.  I would want this addition to be made from Timber frame from our own logs, straw-bale and glass with proper stairs to the loft because I am not getting any younger!

I am a long way away from this – still have to hook up the solar and come to understand how it works year around.  Too with the lack of heat, water, the indoor functional kitchenette and a husband that is a long way from wanting to retire I am stuck between two lives.  THO has a life that I want but can’t quite attain, and one that I want rid of that has things in it that are required.  I guess I have to keep on banging away and working on more things than one.

Categories: Money, Open your eyes, Stuff, Tiny House Ontario | 2 Comments

Second Major Off-Grid Electric Purchase of 2012

I went to Brewer’s Marine in Hamilton yesterday afternoon and I have to say, it is a very cool store for a Tiny Houser like myself.  Sadly, their webpage does NOT do them justice at all – it is not navigable unless you know who makes what you need.  Still, they are very nice in when you visit them there and they have all sorts of GREAT Tiny Stuff for people who are downsizing (or for you smart folks that are started or are starting small).  One of the really cool things was a tiny dish rack.  I already have one that folds so I am good but if I would have seen this first…

Tim helped me out MASSIVELY with what I need.  He tested each of the lights for brightness and counselled me about my wiring needs.  He spent a full half hour with me so that I would get exactly what I need and be happy with my purchase.  You simply don’t get service like this from huge corporations.  Again, another reason why I buy from small business when I need stuff.

The 12v items here are the ones I purchased (They are in the order shown and listed below):

– waterproof connection box (which is where the wires from the battery will come in and become divided)

– LED spot light to light the dog garden (bright but a little costly)

– 16 gage coated wire ( I could save a few cents a foot using single wire but I thought this would be neater)

– 3 LED reading lights with rotating heads and build in switches.  Two for the main floor and one for the bedroom.

– LED Tiny light for the Tiny In house

– LED 12 bulb interior/exterior light for the cloth porch

– LED interior/exterior-underwater for the North door

– 4 toggle switches for the lights that do not come with these built in

– 12v receptacle plug

The total cost was $427.70 which would be ~$100 less if I had not purchased the spot light for the dogs.  Not cheap, but the items are guaranteed for 10 years and I am great at keeping receipts.

After I left there, I went to Guillevin which is a little electrical supply store to purchase 100 feet of  metal (then PVC/both rodent and weather proof) coated wire to get from the solar panel to the battery case.  I needed a hundred feet of this and along with the Marrettes the cost was $93.17.  Holy expensive stuff that wire, but still, I have everything (I think) I need for the job now.

With the solar already hooked up, charged, working, tested and ready to go, the only thing that I have to do is install the stuff that I bought.  It means that I have to tear THO apart to get this stuff installed.  It will be a big mess, but I think I will do this one light at a time.  As well, I think that having lights, real lights without the tiny battery waste is certainly a positive.  Marine deep cells that I have for the solar system simply last a lot longer and are loads stronger; at least this is what I have read and understand to be true.

Anything I am forgetting?  Any volunteers for the installation or anyone who wants to learn along with me for your own purposes?

Categories: Environmentalism, Money, Off Grid, Tiny House Ontario | Leave a comment