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LIVE FOR UNDER 10 000$ PER YEAR!
by:Pox
2014/02/01
WARNING: THIS IS SUPER HARDCORE ADULT STUFF! THE KIND OF THING YOUR PARENTS ARE TOTALLY INTO!

Are you an adult who thinks it's impossible to live for under 10 000$ a year? You want to see someone do it before your very eyes while at the same time updating a useless website and proving that he does fun things TOTALLY ALL THE TIME EVEN RIGHT NOW!!?

Well me along this journey. Worst case scenario: You get motivated to save money yourself. Then a dinoshark eats you. See? Still pretty awesome for you!

In many ways I already live a cushy retiree lifestyle. I work from home on things I love ( for the most part ), I don't deal with coworkers, bosses, commutes, daily schedules or any of that shit. So that's pretty awesome and I'd like to keep doing that forever thus completing a super badass life of retiring without ever having really worked!

This requires A PLAN!

But first, numbers to see why most people bitch at the government and corporations so much, despite living in an era of unprecedented wealth and freedom:

The average Canadian ( how mighty we are) has 25 597$ in debt, which EXCLUDES mortgages. The average househould spends close to 74 000$ each year while making a median income of only 76 000$.

Now consider this graph:



This shows how many years you need to work in order to retire given what % of your income you put in the bank each year. It's simple: The more you make or the less you spend, the sooner you can retire. What do you live on when you retire? The interests from your invested money. That means that this graphs tells you when you can be financially free FOREVER.

Even on minimum wage full-time income ( 20k/year) here in Quebec, the most taxed place in Canada, you can have a savings rate of 47% if you live for under 10 000$/year, which would let you retire after 25 years. That's much faster than most people who make 5 times that salary and the only skill or education required is the ability to speak and show up on time reasonably often.

With the average Canadian's 46k/year income, you retirement after only 15 years! But based on the amount of money the average household saves, that's retirement in 80-90 years, if ever. No WONDER they bitch and moan so much for the goverment to give them benefits in old age. Instead of handing over my faith to incompetent bureaucracies, I think I'll stash my OWN money away, thank you.

Of course people don't live for under 10 000$/year because they imagine it means living like this:



When in fact I'm living more like this:



A lot of wealthy people are insecure because they are stupid fucks with grandiose lifestyles. They live stressed-out existences, constantly worried that all their material garbage will be taken away, leaving them deep in debt even after having made a six figure income all their lives.

Follow along as I teach you, and myself, how to NOT live like a consumer whore who's constantly at the mercy of the markets and the government's incompetence!

LIVING FOR UNDER 10 000$ PER YEAR!

STEP 1: RESEARCH MONTH


A quick list of things I'm considering checking out/doing:

- Start counting all my spending again for one year and compare with the last time I did this!

- Find my credit rating. Because I don't know what it is.

- Get wise about tax laws to see if I qualify for anything.

- Sell /get rid of everything I don't want or need anymore.

- Budget food. This includes retooling my diet to eat the cheapest yet healthiest things.

- Make a list of all the foods I eat regularly and find out what they cost at different nearby grocery stores.

- Read about investing and tax law where I live.

- Read about owning a house/condo and plan to. Time to start paying rent to myself!

- Optimize cellphone/ internet bills.

- Check if bank is charging me hidden managment fees on my investments.

- Look for freelance work. If I'm going to waste time, might as well see if I can waste it making money!

- Get a credit card that rewards me with sweet sweet cashback and rewards.

- Try to buy nothing new.

- Try to fix broken things myself.

Ok good luck, me!

2015/06/15 -- UPDATE -- :,(



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