Before we escaped to our mountaintop to homestead, I spent countless hours online looking for information on
how to do it, or more importantly;
how much might it cost us. Most of the information that I found were stories that seemed to pick-up right where the person was; established homesteaders. It was a though they had magically arrived on some land with a house, water, power (grid or solar), gardens, a barn, and animals already in place. The sites that I found talked about what they planted, or planned to plant, how much yeild they got, and what methods they used. They milked goats like pros, and they tinkered with projects. They never told me what I wanted to know most -
how did they get there?
And so, this post is decicated to those souls out there dreaming and wondering: can I do it, too? How much will it cost me?
We bought our four acres in the middle of a foreclosure. We didn't have one of those hanky-panky loans, and we didn't buy more house than we could afford. We got blindsided by life, more than once, over the course of several years. I would have been less surprised if one of use would have got cancer, or been hit by a car, than what actually happened, but as I've learned, life can be like that.
So, we were broke and we knew we needed a place to live; we found zero down, 100% owner financing property, and we bought it not knowing what we would do with it, but just having the property made us feel like we were taking steps in the right direction. I found a free barn - you take apart and haul type deal, so My Man and the boys got that for walls and a roof if worse came to worse, but even that cost money. It was
a lot of time off from work, and we had to rent a truck to haul the wood and roof to our property.
The thing about losing your house to foreclosure is this; you have absolutely no control over the situation, and your mortage company will tell you nothing about what is coming down the pike. You sit, and you wait, and you wonder. You wonder when you will get the final notice, how much time you will have to get out of your house once you get that notice, what can you take with you, what can't you take with you. You wonder if you mortage comany will come after you and sue you, garnish your wages, or put you in debtor's jail. Even though there is no longer a debtor's jail, you still wonder if you will end up in one. You are not completly rational, you are scared - this is all normal, I suppose.
I didn't really care so much about losing our house as I did about
what came next? Where did we go? What did we do? And how? I lost sleep. I felt sick to my stomach. For awhile I felt
reduced.
Reduced to this status in life.
Reduced to a place of shame.
Reduced to a frantic frezy of fear. And then I realized that in all of our loss what we had gained. Yes, I said
gained. It was when I thought we lost it all, all that we had ever worked for and wanted, that I saw that what really mattered was
us - our marriage, and these little people that we had brought into the world. Suddenly, they were
all that mattered. I'm not saying it was easy, or that it still is, to keep it all in perspective, but it helps to know deep, deep, down, what we are here for, and it's not the damn house.
After that it was easy to look at losing the house as another task that needed to be completed. But, it was never easy to sit and wait. I know a girl who hasn't made a house payment in almost three years, she's still never heard from her mortage company. I had another friend assure me, because she heard it on the radio, that on average people were in their house's for a full two years before they got the big boot, so we had
plenty of time, and I shouldn't worry so much. We ended up getting a year, to the month. Not much time when I think about the blindsidding that went on in that year, having a baby who ended up in the NICU, and just surviving it all, but none of that matters now. I'm just saying that all mortage companies are different, waiting is not easy, and the unknown is scary. In that fear you reach deep into your mind, and internet, trying to come up with solutions. It's on the internet, and in the back of your mind - buy cheap property and live off the land!
So, here's the scoop, but I have to mention, again, that we unexpectedly came into some money. The money made it easier, and I don't know what our story would be without having recieved it, but I'm pretty sure we would still be up here on the mountaintop, someway or another.
We got our little pinkslip sooner than expected, our mortage company would tell us nothing, and we had just had our tenth baby - we freaked, in the calmest of possible ways. It had become very apparent that building even a small four wall and roof dwelling to live in was not going to be remotely possible in the amount of time that we had left, so we looked on Craigs List for a mobile.
Mobile home buying 101: We found ourselves a cheap, but liviabe, 1970's 12'x50' mobile home for $1,500.00. We found a mover who quoted us $500.00 to move it. We figured we could drag the mobile onto our property, hook up the power, crap in a bucket, dig a well, and be happy as pigs in mud while we built our house. We found out it doesn't really work like that. We had to have tree's cut down for the mobile, to the tune of $500.00. Once the mobile was on our property the mover informed us that the power company wouldn't hook up the power if the mobile wasn't professionally installed, or strapped down. It just so happened that our kind mover could do that for us, for another $1,000.00. Okay, that made some sense, and seemed prudent anyway considering the storms here in Tennessee. We paid the money. The same kind mover then informed us that some of the wiring was not to code and wouldn't pass inspection for power. What choice did we have if we wanted power? We found an electrician. I don't remember what he quoted us, but there were some miscommunications and multiple trips that ended in invoices that totalled roughly another $1,500.00. So, our cheap $1,500.00 mobile had now cost us $5,000.00.
Everything else is estimated on the conservative side: Power to the mobile, and we were within range of an exsisting power pole - $2,500.00. Phone and internet - $250.00. Well - quote was for $3,000.00, we spent $4,000.00 and we still don't have water. To crap in a bucket - buckets, toilet seat, lumber for "toilet", and a compost bin - $50.00, but we already had some of the supplies that we needed. And then there was gas money for the countless three and a half hour one way trips from our house to the property to get all of these things taken care of over the course of a few months. We spent money above and beyond what is listed here. We had pad's bulldozed for the house and office that are not built, the existing office project that is going on now was orignally going to be a chicken coop. We also bought a second car that is 4x4 so that we would not be stranded on the mountaintop during winter or if our van broke down. We bought a trailer to haul building materials and work supplies with. We painted part of the mobile, fixed floors, and it still needs work that we were not able to finish before we moved into it.
The list goes on and on, and as you can see; the cost of becoming trailer trash is not cheap.
How did we do it? How do you do it? You dig deep, and then you hang on for the ride.
I tell people who are considering their third child to make sure that they really, really want another baby. Having number three isn't like having number two. With number three you suddenly have more kids than you do free hands, and life resembles a three ring circus......you will either love it, or you will hate it, so make sure you are ready for it. I'd say the same thing about homesteading - make sure you really, really, want it before you dive into it.