Roommate #2.5, or Why “K” Plans to Live in His Van

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If you’re willing to look at renting from a weirder angle, you could save about $1,200/month like “K”. This is how.

FYI: This is about more than van-living. Read on.

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First, my situation: My place has housed three people before, but since we’re now back down to two, we’ve readopted a revolving door policy for friends to come and go as they please. When we do this, we generally have one- or two-month arrangements and put people up in our storage closet for about $300/month. Since our guests only sleep in there and are free to use the rest of our apartment anytime, this is actually a lot nicer than it sounds. We have multiple TVs, a fully stocked kitchen, 1.5 bathrooms, and even an office! As proof of concept, we actually have a guest with us next month – “J”. She’s looking for a more permanent space with her boyfriend, but until she finds the perfect place, she doesn’t want to sign another lease. We make a little bit of rent money, and she has the flexibility to keep looking. Everybody wins!

Our friend “K” is gonna win hard in a few months too. Unfortunately, his current situation is a real money pit. In his own words: im paying 1375 plus hydro and internet which bring it to 1500. my plan is to sell my jeep for 14000 and get a 2007 Mercedes sprinter for the same amount roughly. i figure it will cost about 1000 to convert it into a living space, since it will just be a bed, side table and closet cause i dont need to have a kitchen or toilet. [More on this in a second.] ive lived in a honda crv(which was fucking terrible) then a jeep cherokee which was a bit better. then [“R”] and i lived in a mini van that we built a bed frame in and put a double matress with curtains and a battery system to power fans and our laptops without using the vans battery. also we had a solar panel on the roof to charge the electric system”.

Yup, he’s planning on living in a van. But wait! It’s actually WAY better than it sounds! Why? HE GETS TO USE OUR PLACE AS A HOMEBASE TOO! And he’s not sleeping in our storage closet, meaning I can still have short-term guests! WTF, RIGHT?!?

I should probably back up and explain. When “K’s” lease is up at his $1,375/month apartment (that costs him $1,500 after bills), we have an arrangement set up. He will, essentially, become our Roommate #2.5. His plan involves sleeping in his van, but he’ll also be living with us, using our kitchen, bathroom, and office space during the day. He’ll be paying ~$300/month, and in return, he’ll have access to all our amenities, like Internet, running water, and an actual goddamn mailing address. He won’t have any real bills! On paper, he lives here. In reality, the van is home, and because of that, he has the flexibility to take his home wherever he might need to go, whether it’s a job site or a vacation destination! Also, THIS FREES UP ~$1,200/MONTH OF HIS MONEY! Over just one year, HE SAVES ~$14,400 AND I MAKE ~$3,600! Again, everybody wins! It’s like a sort of “friend economy”. Instead of paying strangers for their services or housing, pay FRIENDS for what THEY can provide. Money and favours keep circulating amongst the people you care about, and everyone becomes richer because of it! Friend Economy 101!

Obviously, this really only works for young, single people like “K”. You can’t raise a family in a van. It’s hard to argue with the savings for people who can make this work though! In Vancouver, where a 1-bedroom goes for $1,900, having access to an apartment’s amenities while sleeping in your own space for ~$300 is a steal! Of course, finding opportunities like this isn’t gonna be a walk in the park. This is just one isolated example of a millennial living unconventionally, and saving shitloads because of it.

When possible, use and rely on your friends. “K” found cheap housing. “J” found a temporary place to stay until she lines up the perfect home. I found extra rent money. It’s actually ridiculous things like this don’t happen more often. If we all functioned better as a real community, maybe we’d all be a few thousand richer.

That’s the kind of world I want to live in. I’d sleep in a van too if it meant being able to invest an extra $1,200/month. Would you?

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This Blog Cut My Monthly Spending by 42%

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Since I started writing Unconbentional in January 2016, I’ve had very open money conversations with friends. Every step of it has been a learning experience. As I did research for articles, I was often forced to run my own numbers and a lot of the time, they weren’t pretty. In some cases, the results called for immediate action. This post was a huge red flag. Even though I knew these weren’t healthy spending habits, spending $3,363.26/month was normal to me! Luckily, this blog saved my life. This is what I spent in April 2017.

Entertainment was a big deal to me back in 01/16, but I still thought I had control over it. $138.03 was reasonable, right? Unless it’s travel, NOPE. In 04/17, I spent only $33.54 on Entertainment that wasn’t Spotify or Netflix. (I don’t know why, but I tend to lump Spotify and Netflix into my Bills category. I consider them essentials.) In that $33.54 were two main purchases, and this is where it got interesting: I bought a $19.99 video game that I didn’t end up liking, and I bought a bunch of supplies to try CREATING a card game for $13.55. I spent half an hour on the video game, tops. Trying to create the card game took HOURS, and was a great night spent with geeky friends. In this case, the unconventional form of Entertainment clearly won out. Instead of consuming, try creating! It’s often the cheaper option, and far more rewarding!

Personal and credit card Debt cost me $161.55, and that’s the big red flag I’m dealing with now. I also included a Home category this time, which I didn’t have in 01/16. I spent $99.23 on stuff like cleaning supplies, toiletries, etc. Travel came to $158. That’s gas, and one super costly cab ride from a bar. Missing a bus really shouldn’t cost $46, but I guess cabbies need to eat too. Meanwhile, Bills are as expensive as ever, and I no longer have a girlfriend covering the cost. On top of that, I pay for Mom’s cell phone and use a stupid amount of data. My total for Bills came to $447.29. That’s phone, Internet, electricity, Spotify, Netflix, and a weird banking thing or two. That can’t be normal for two people living here, can it? What do you pay?

Finally, we’re at Food and Alcohol, and you know what? I’m fucking PROUD at how far I’ve come. I’ve started drinking less and eating healthier, AND I’ve made cooking at home the default option. Food costs came to $518.02 last month, and I think most of that was groceries. It’s not “A’s” $80/month, but we can’t all be as awesome as her. As for Alcohol, I’m way down too! For 01/16, it was $1,120.27! 04/17? Only $530.55, over 50% less!

I’ve still got a LOT of work to do – it’s stupid, for instance, that I still spend more on Alcohol than Food – but the total damage for April 2017 was a mere $1,948.18, DOWN FROM $3,363.26! That’s 42% less I’m spending EVERY MONTH.

I have no doubt starting this blog saved my life. Current goals involve trying to get down to $1,500/month. I’ll provide updates as I get closer, but hopefully, this will inspire you to see what cuts you can make in YOUR monthly spending.

For those of you who are new here, this is why I didn’t include Rent. (Yeah, I know I’m super fortunate.)

What do YOU spend in a month? What can I learn from YOU?

Ben Beats Me to Mexico, or How to Travel for No Extra Money At All

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I was so fucking jealous.

With all that’s been going on, my trip to Mexico got sidelined. I suppose I still had the funds to go solo, but going without my friends wouldn’t have been the same. One got a new place and understandably couldn’t blow a few hundred on travel, and my roommate had to work. C’est la vie. These things happen.

Ben got to Mexico though. I’m scrolling through all the food pictures he’s been sending me. Tortas; empanadas; tacos; at least three things so cheesy, I can’t even identify them; enough salsa to drown a man; and various other antojitos… and I think at that point, he was only halfway through his trip. For a food nerd like me, it was painful. I asked him how he did it, and what it cost.

“Where are you staying?”

“With a friend who’s from here, at his parents’ place, with what will be like 11 other people, but right now it’s just 2 others.”

He sent a picture of himself standing next to a giant “CDMX”: Ciudad de Mexico.

I asked him how cheap things were.

“What would be a half hour walk, we’re taking an uber, for $0.50 each.”

He then sent a picture of a bottle of rum and its price tag for 120 pesos. Holy shit, it was $6 USD. The same bottle in Canada would be $30 or more.

“Estimated cost in USD of the entire trip?” I asked.

“Probably $800 max.”

For 12 days in Mexico, this was starting to make sense. Ben was taking advantage of geographic arbitrage. Using his hard-earned US money in Mexico meant his dollars could go further.

“We’ve been generally having two meals a day though, and so it’s around $14.”

That’s less than I spend in a day just at home. Could it be possible to actually SAVE money while travelling the world? Well, lots of people do it already.

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The math works out. If you take what I spent in January – $2,250.95 – and average it out for only 12 days of spending, you’re looking at $871.34. Ben’s spending roughly the same amount for 12 days in Mexico. I decided to do more digging. I found this article on living overseas. I found this infographic on places where the cost of living is significantly lower than in the US. Living in Taghazout, Morocco is only $881/month? WHAT?!? (The surfing and fishing are great, I hear.) Suddenly, I felt a wave of abundance again. Travel seemed ALWAYS financially possible, as long as I paid attention to a few numbers and avoided overpriced tourist destinations.

This was very exciting to me for a variety of reasons. Suddenly, the $725,479 I thought I needed to retire COULD be way less! Did you know a “couple can live comfortably on less than US$1,500 per month” in Belize? If you’re willing to move and have a sense of adventure, you really can save money and travel the world AT THE SAME TIME. If you own property too, you can REALLY make bank, renting a suite out for Vancouver prices while living in Turkey and meeting ALL your needs for $676/month.

This is DOABLE. This isn’t a fantasy for the super rich anymore. If you can find a job that allows you to work remotely, you can make North American cash and live somewhere where meals are $1. Have you always wanted to travel? Consider this post the kick in the ass you needed to do it.

Oh, look. I have over 35,000 Avion points again. Check out this post to help make your travel points go farther.