House Hacking: Lets You Get Your Housing For Free

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This Hack lets you get your housing for free by having someone else pay for it, house hacking. investment, property, rental, rent, life, hacks, invest, fixer, upper, income, property http://jessicacoaches.com/2017/05/house-hacking/ ‎
This Hack lets you get your housing for free by having someone else pay for it, house hacking. investment, property, rental, rent, life, hacks, invest, fixer, upper, income, property http://jessicacoaches.com/2017/05/house-hacking/ ‎

No, this is not about marrying rich! This is a real solution to make living expenses more manageable, or even make money. And while this is not about getting a sweet sugar mama or daddy to pay your rent, it is having someone else pay for it.

Your renter.

What I’m talking about is commonly referred to as House Hacking. House hacking is when you buy a property with the intention of renting out units or rooms to people to pay for the property. The HGTV show Income Property often makes a reference to this when people are making a rental unit in their basements and such.

 

If you are in need of more immediate housing solutions, I would like to point you to https://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance

 

I have been house hacking for the last six years. What we do is purchase a home, we have a family, so we aim for multi-unit homes. We keep the property prices low as we don’t have a huge income and have lots of skills by buying fixer uppers, usually living in the unit we are fixing up. Right now we are living in a duplex, in the larger of the two units: a three bedroom two bathroom. The other unit is a two bedroom 1.5 which is completely separate is paying the entire mortgage. Pretty sweet right?

Related: How I never have to pay another penny for my retirement at age 34 on a 30,000 per year salary!

It gets better, once everything is fixed up we find a new property and do it all again, renting out the other property fully.

Examples of house Hacking situations:

–  Buy a 3 unit property, live in 1 and rent the other two out.
–  Get a large single family home with four bedrooms, you live in one bedroom and rent the others out.
–  Purchase a house with a guest house or basement that will function as a rental to help cut costs on your large residence.

Pros:

 

House Hacking allows for low-income investors to squeak into the investment property world. This is because the rental property will qualify for owner occupied loans with down payments of 3.5%-5% as long as it is four units or under.

Related: How to Buy a Property With No or Low Money Down!

It can lower your expenses, allowing you to save more money to invest in yourself. I do love it when other people pay my mortgage!

You are close to your tenants, so they tend to behave better, it is also convenient being your property manager allowing for more profits.

If you buy a fixer, you can live in a unit that needs to be fixed up and slowly do the renovations. No driving to the site. No lapse in rent during a renovation. Improve slowly, or by the room, as you have the money to do it, the only one who has to suffer a construction zone is you.

house hacking construction zone

Cons:

You will be living next to your tenants. For some, this can be awkward.

You may be giving up the privacy that having a whole lot between you and your adjoining neighbor provides.

Have you ever lived in a construction zone? While amazingly rewarding, there is nothing like building something to make you feel accomplished. It is stressful. There is always something to do.  In fact, that half done project might be right in front of you while you are trying to get some relaxation in. It also always tends to take longer than you expect!

 

Advice for first-time house hackers:

If you are going to get a fixer upper, and do the work yourself, try not to be too ambitious, stick to surface problems and properties that do not need to be gutted.

Get rid of your mortgage insurance by forcing appreciation with improvements. You can do this once you feel you have 20% equity. You can either refinance or try to get a reevaluation from your current lender, and they will likely want an appraisal.

Just because you are living in the home does not mean the numbers do not matter! Plan for possibly turning it into an investment property in its entirety. You still want a cash flowing property. When evaluating net income just use a fair market rent for the unit you will be living in.

 

Do you Have any experiences house hacking?  Would you recommend it?  Planning on trying it?

How to get an amazing deal on a car!

How to get an amazing deal on a car truck or vehicle schoolie school bus public auction budget frugal conversion foreclosure cheap find http://jessicacoaches.com/2017/05/how-to-get-an-amazing-deal-on-a-car/

 

How to get an amazing deal on a car truck or vehicle schoolie school bus public auction budget frugal conversion foreclosure cheap find http://jessicacoaches.com/2017/05/how-to-get-an-amazing-deal-on-a-car/

Financing a car is one of the biggest, most common, money mistakes people tend to make.  Not only does it come with a hefty monthly payment on a depreciable asset, where you will pay a ton in interest making that car cost way more then what you ‘paid.’  High priced, new, and/or financed cars need way more insurance on top of that.

 

Want to avoid wasting your money, like a boss, and get a great used car in cash for a deal?

 

I love value, and I love sharing the wealth even more.  Here is my list of how to get a smoking deal on an automobile, some I found on my own while others were followed up with the caveat of don’t tell anyone I don’t want the competition.  Ooops.  Why do they not want the competition? They are making money off of buying and selling cars, trucks, and other things this way.

 

 

General Information for researching a car’s worth before you bid or make an offer, these websites have used car sales as well, but if you’re looking for a deal look elsewhere:

 

Kelley Blue Bookhttps://www.kbb.com/
NADA Guides – http://www.nadaguides.com

 

 

 

Government Surplus.  The government sells a lot of stuff, usually in an auction format, they do so in different places depending on the state and the department selling the item.   There are many people whose sole business it is to swoop up deals and resell things on these sites.  Including many vehicles. Some are government vehicles which have aged out due to various reasons as a standard age or mileage retirement.  Government Vehicles have meticulous upkeep records and have been well maintained; they also tend to be upfront with conditions and known problems.  They also sell confiscations and insurance write-offs.  This is also the best place I have found to look for school buses, public buses, for conversions such as schoolies for you minimalists out there.

 

MuniciBid – https://municibid.com/

 

 

worldschooling

 

Lender Repossessions.  Many times a lender ends up with a vehicle that they do not want, just like home foreclosures and REOs, these exist for automobiles too.  I have found quite a few shady websites in regards to this option, so exercise caution.  I advise you to go directly to a local bank or credit union website or call them to find these deals in your area.

 

 

Local Live Auctions.  Sometimes people or companies do not want to deal with the headache of selling their used automobiles and turn to local automobile auction houses.  These can be a great place to get a steal on a  vehicle.  The ones that I have been to have a preview day where you can poke around all the cars and then a bidding day.  A quick google search in your area should help you locate some of these auction houses.   

 

 

 

Haggle or Scoop up a deal from an individual.  Do your research and watch for a deal to come up from the owner directly.  The pros to these are you can drive the car around and get it checked up by a mechanics shop before you make the leap if you want.  The con is not every individual is honest, try to play it by the facts.

 

Facebook Groups – Look for local swip swap, local swap meets, local marketplace.

 

How have your experiences been with using any of these methods? Do you have any I missed? Have you celebrated anyone’s smart choice lately?

 

What is Your Financial Mindset? Are you FIREd up?

what financial mindset are you, are you fired up, fire, attitude, early retire retirement financial independance

How are you doing?  Are you happy with your trajectory in life?  Are you worn out?  Are you bored?  Are you just going with the flow of life? Or are you on the opposite end?  Stuck overthinking everything.  Treading water.  Unable to effect the positive change you would like to see in your life?  Do you know what you want out of life? What do you actually need?

 

Wow!  That was a lot of questions! However, these are things you actually need to ask yourself every once in a while.  So you should really go through each one.  Get a pen and paper, or even just pull up a notepad.  If you are not doing it already, you should live purposefully.

 

A helpful way to go about it is to identify where you are now and where you want to be.  This diagram can give you an idea of where you at with your financial values.  What is the most important to you? Production? Security? Freedom?

 

 

Money Values Financial Mindsets FIRE Freedom Time Security Reliability Production remote worker independent contractor 9 to 5 job

Values:

Reliability/Security:  Financial security is an overarching theme.  They cannot afford to or do not to wish to take any risks on if they will have money coming in consistently.  They would prefer to know when and where the money is coming from then earn more with a chance of famine.

Time/Freedom: The most difficult to fit into a circle, because they are literally all over the place.  They will work but it generally has to be a thing they would choose to do regardless of pay.  Or, they will work in short stints and quit to do other things. They work to live, not live to work.

Production/Motivation: These people like to see results, be it a fat check or their name on a prestigious paper.   They tend to prefer situations where there is no cap on their growth.

 

So how many values are you actively working for right now? I tend to view it in a tier system, with only one value being worked towards being tier 1 right on up to tier 3.  Are you ready to move up or are you happy with where you are at?

 

 

So What is FIRE?

 
F– Financial I-Independance R-Retire E-Early

 

 

It is where the Venn Diagram of financial values meet:

 

  • You want to have security and know you will have the financial where with all to survive if you lost your ability to work today.  Not an ambiguous time in the future.
  • You want the freedom to do what you want today, While not giving up your future. Be it lounging on a beach or volunteering your time.
  • You value productivity and want to see results sooner rather than later.  You are looking forward to doing your passion project because you surely have several.

 

 

Okay, so it is all well and good to want all those things.  Some of you might say that seems kind of unrealistic, how would one even get there.  It is possible!  People are retiring early all the time, you could be one of them.  You don’t have to wait for the government or an employer to give you basic income to live off of, you can create one yourself.  And it does not have to take most of your life to create, the only limitation is you!

 

 

There are four parts to freedom-
– Earn More
– Need Less
– Use debt, don’t let it use you.
– Invest in yourself.

 

 

If this is a new concept to you or could use some honing in this category check out you should read this related article: Are you tired of worrying about money?

 

 

 

Wanna get there?

 

Habits of successful people who have reached or are working towards FIRE.

 

  • They absorb as much information as they can. (networking, books, podcasts, blogs)
  • They celebrate different milestones.  They view old inexpensive cars, or better yet no car as a sign that someone is successful instead of that shiny new car fresh off the lot.
  • They know that experiences are more valuable than things.
  • They believe in working hard today for a better tomorrow, and that it is a mission that never ends.
  • They take action.  They know things will never be perfect but do it anyways.
  • They surround themselves with other like-minded people and know that this can be the difference between the wind under your wings and a pair of concrete boots.

 

Are you FIREd up?  What are you working on right now?  Did I miss anything?

 

How to get a high paying job with no debt involved!

How to Get a High Paying Job No Debt Involved career, tuition, cash. scholarship, cheap, student, loans, university, money, budget http://jessicacoaches.com/2017/04/how-to-get-a-high-paying-job-with-no-debt-involved
How to Get a High Paying Job No Debt Involved career, tuition, cash. scholarship, cheap, student, loans, university, money, budget

I like options! When I graduated from High School I had pretty much been told you are going to languish away in a food services job or go to college for a four-year degree. I was also told there were three routes to do this, rich parents, debt, or scholarships. However, it turns out some food services jobs pay more than the job you might get after four years of studying.   There are also so many more options to get a good career and so many more routes to get you there without going into debt!

***Note: I am a strong proponent of the gap year, where a person travels for a year after high school so they get an idea how the world works and how they would like to fit into it.  It does not have to take a lot of money to travel.  If you are interested, check out: 9 Tricks to Make Travel Cheap!

High Paying Careers with Training Included

 

-Apprenticeship
Want to get paid to go to school? It is possible. Apprenticeships, often called the other 4-year degree are an oft-overlooked program. How it works: You start off as a paid apprentice in a field, you work a regular work under more advanced workers, slowly advancing, there is usually some course work they will provide, you advance in the program, usually gaining in wage and title until you are considered at Master. A good place to start is the United States Department of Labor or a simple google search of your area apprenticeship programs.
Not limited to:
Electrician: 60-70k a year
Lineman: 70-100k per year
Plumber: 50-60k per year

 

 

-Sales
Sales is a career path that does not take any education to enter, minus some states which regulate Real Estate Sales, but even that is small. The pro and con of it are all based on you and most of them are commission based. There is uncertainty in the beginning, and for some used to getting a steady paycheck, it can be a difficult adjustment. Once you get experience and a proven track record, you will always be able to find a job, some positions up the food chain even have base salaries plus commission.
Salesperson: 0 – ???k per year

-Become a Driver
While not in the highest earning income bracket, this is a very good wage for no experience and they often will pay for you to get your Commercial Drivers Licence so you can do the job.
School Bus Driver: 30 – 40k per year
Semi Driver: 30 – 65k per year
Heavy Equipment Driver: 50 – 70k per year

 

 

-Emergency Services
While these careers arguably deserve to be paid much more, they are a well-paid profession that requires no education with all training provided. There are also many unseen benefits to belonging to the emergency services groups that do not come in the form of salary.
Firefighter 30-80k per year
Police Officer 40-85k per year
Emergency Dispatcher 20-45k per year

-Start your own Business
The range in this is huge, from people never getting off the ground to people making millions. This is where the buck stops with you, so your motivation will determine if you fail or succeed. Some inexpensive ways to venture into owning your own business are a service based industry. You can freelance any skills you may already have like writing, designing, tutoring, or photography.
Business Owner 0 -???k per year

 

I want to go to school for **INSERT CAREER** but I don’t want to go into debt what are my options?!

***Note: Please make sure you will find the career worth it, many degrees today don’t really get you very far. Also make sure it is something you will enjoy, try to shadow or volunteer in your field to get a better perspective of what life would look like. For a Top 100 list of jobs factoring in more than just salary see: http://www.careerprofiles.info/top-100-careers.html

-Get a job at a university for free tuition
At many educational institutions if you or an immediate household member work a job eligible for benefits you get an education for free. Many large colleges have all sorts of entry-level jobs that are benefits eligible.

-Get a job that will pay for your education
Some companies have benefits of paying for their employees to get degrees in related fields. Make sure to check your benefits packages to see what you might be eligible for. There are also some companies that will pay off your debt with a commitment to work for them, again this is by the employer so make sure to look for it.
Monster.com 5 Top hospitals that will pay for your education
businessinsider.com Companies that will pay for your tuition

-Get a scholarship when you pledge to work for an underserved population
Medical professionals can get $50k or $120 in scholarships depending on the level needed if they make a commitment to work in an underserved community for two years. More info: https://nhsc.hrsa.gov/

 

-Scholarships
There are a ton of scholarships out there if you are willing to apply for them. Some are more complicated than others. More info: https://www.studentscholarships.org/

-Attend a school that will not charge you a tuition
Yes, they do exist. Some do this to promote specific occupations, religious teachings, or to offer free programs to low-income students. A great resource is: http://affordableschools.net/20-tuition-free-colleges/ however, it is an incomplete list, there are others. Make sure to check any schools you are interested in for programs they might have.

-Military
If you have served in the military or it is something that would interest you, there are programs for education assistance after you have served. See: http://www.benefits.va.gov/gibill

 

Did I miss any?  Have you been in any of these professions or used these techniques? Were they worth it?

Are you tired of worrying about money?

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Tired of Worrying About Money, early retirement, passive, income, cash, fiancial, freedom, fiances, flow, help, 50%, paycheck to paycheck, broke, ready, for, change, 401k, investment http://jessicacoaches.com/2017/04/are-you-tired-of-worrying-about-money

When did struggling to make ends meat become the norm? Why do we never have enough money? Headlines raced across America recently about the dire situation we are faced with.

According to HomeServe USA:

  • In America 50% of people are unprepared for a financial emergency.
  • 1 in 5 (19%) Americans have nothing set aside to cover an unexpected emergency.
  • 1 in 3 (31%) Americans don’t have at least $500 set aside to cover an unexpected emergency expense.
  • In a different survey by MetLife, they found that 49% of employees are “concerned, anxious or fearful about their current financial well-being.”

(Source: MarketWatch.com)


That means 50% of people are living paycheck to paycheck in America.

For those 50%, I would like to tell you that this is not how it has to be.  In fact, I would like to tell everyone toiling away with no plans of retirement or even those who want to take the standard age 65 retirement.  That not only can you survive but can thrive! You can even retire early if you want to!

There are 4 Parts to Freedom!

There are many ways to reach financial goals and everyone has different views of what they want their lives to look like.  People who lead you to believe that the only option to success is their proven method, or by buying their product are lying! The main goal is to be better off tomorrow than you are today, try to at least do something on the list, and if you want to never worry about money again, do all of them.
 

Part 1. Lower your cost of living.

Take a hard look at your life.  Are you working for your needs or your wants?  The first step to never worrying about money again is to lower the baseline amount of how much you need.  I spent a year owning only the contents of one backpack, nothing else in the world.  It was freeing.  It was just me. I went to a country where the dollar went further, and I was thriving on less than $500 a month.  Now I am not suggesting to you to go to these extremes.  I only use it as an example of what is possible.
Don’t look at this step as a negative impact on your life, getting rid of things that hold you down only allows you to rise.  Also, if you need less to live, you need less to retire!
If you have never written out a budget to get an idea of how much is going and out and where of your bank account, Mint.com is a great place to get started, and it is free.  It also has a net wealth calculator built in.

 

Ideas:
  • Sell your car, move to a small apartment near your work that you can walk or bike to.  Not only will it save you money it has two things that will improve your life, exercise and shorter commute time!
  • If you feel you need a car, make sure it makes financial sense! Do not finance a vehicle.  Buy a cheap one, in cash.  See: How to get an amazing deal on a car!
  • Buy a home with multiple units, so your other units cover all your housing costs.  See: House Hacking: Lets You Get Your Housing For Free
  • Sell any large asset that is not making you money if at all feasibly possible. That means the huge house you are filling up with useless stuff.   That means the car worth over $10,000 is gone.  Unless your net worth is over a million, these cannot be considered reasonable.
  • Cut down any monthly expenditures you can, find a cheaper cell phone, pare down to only one entertainment source, call all your current providers and see if there is a way to lower your bill, don’t eat out as much, cut out as much frivolous spending as you can.

 

Part 2. Increase the amount of money you are earning.

 So let’s say you get through Part 1, you have reduced your cost of living substantially, and you are still struggling to keep your head above water to live let alone to invest or pay off debt.  It is time to increase your baseline income, find a better paying job.  If you get through Part 1 and you’re looking like you are going to be able to make a lot of motion with your ocean, it never hurts to get a little more and get that tide a little higher.

Further Reading:  How to get a high paying job with no debt involved!

 

Ideas: 
  • Ask for a raise.
  • Look for a new job in your same field.  Find someone who will pay you more, use that current job to leverage you into more money!
  • Get a second job.  Or, if there is a spouse at home consider them taking on a small job while the main breadwinner is home.  I  don’t advise this just for life quality, but it is an option for speed, or if the situation is dire.
  • Low earnings in your field? Switch it! Look for paid apprenticeships in construction, like plumbing and electricians.  Jobs which provide their training like Emergency Services (police officers, dispatchers, firefighters.), or drivers (Truck, School Bus, Boat.) which often train you to get your Commercial Drivers Licence (CDL) which can be a huge money maker.  See: How to get a high paying job with no debt involved!
  • Go back to school.  This can be a rough one.  First, the earning potential of the job you will get from going back to school has to be very good.  Make sure that one year of your projected salary can cover your whole debt incurred plus any lost income you could have been making during the time I took to complete it. Make sure to shadow your projected career, or find some volunteer job around it to see if it is a fit for you first.  There is nothing worse than incurring a bunch of debt only to hate what you got out of it.

Part 3.  Kick debt in the teeth.

I am not of the opinion that all debt is bad.  Would it better to have no debt, YES! But, I believe in the power of leverage.  Using student loans to leverage you into that job that makes you much more income.  Using mortgages to get you into and possibly renovate an investment property that yields cash flow after all expenses.  Getting a small business loan to grown your company and your earnings.
The key for those is the end goal must be worth it, and you must complete the task the loan allowed you to do.  You have to be getting more out of the debt then the lenders are getting out of you.
Consumer debt is typically the anti-thesis of being financially healthy.  This includes cars, credit card debt, any debts that are not currently making you more money than the interest they are charging you.  You cannot do Part 4, investing in yourself while you have consumer debt, the interest they are charging simply cancels all gains you are getting elsewhere.

 

Ideas:
  • Cut up your credit cards or make them inaccessible to yourself.  (I’ve heard of people freezing them in ice and keeping them in the freezer.)  I do not advise canceling them because it generally does not help your credit score.
  • If you keep unfreezing those cards, it is time to have none at all.
  • Don’t sign up for credit cards for the free rewards or discounts, especially if you have a track record of racking up debt.  There is a reason they do these incentive programs, they more often than not get more out of you then you will get out of them.
  • Attack your highest interest charged debts first for the most results, attack your smallest balance debts first for the most motivation to keep going.
  • Have a ton of debt, and you can’t even get a handle on the monthly payments?  Even after Part 1 and Part 2? Consider moving the debt around.  Some cards will do balance transfers and give you a flat low-interest charge up front by adding it your balance.  Only do this to debts you are sure you won’t be able to touch for the period it is held for because you are working on others.  Wait that didn’t work, not enough wiggle room to move it: have some other large asset?  Look into selling that asset to pay your debt off or getting a loan against it at a lower interest rate.  No assets? Maybe it is time to consider bankruptcy.
 

Part 4.  Invest in yourself. Diversify your earnings.

This Part is the fun one! Make sure that you are good with Part 3 though before doing things on this list unless you can manage to do them for no money or debt!  If your goal is truly not to worry about money make sure to build up a buffer in a liquid, interest accruing account like a money market fund of at least 3 to 6 months of your current expenses.  Remember the more sources of income you have, the less impactful losing one is, so diversify!

 

Ideas:
  • Start your own side business, this can be anywhere from starting a blog, to a service like consulting or tutoring.  Remember to start small and scale up with success try to grow from your earnings!
  • Make sure you are matching any employer contribution into your retirement account.  
  • Invest in the stock market.  If you like your field of employment and enjoy going to work, ramp up those retirement contributions and also invest in IRAs.  If you would rather retire early, invest in index funds and dividend stocks.
  • Get an investment property.  Investment properties can be a really strong contributor if you would like to retire early as it can quickly push you into gaining passive income.
Further Reading:

9 Tricks to Make Travel Cheap!

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I have made a lot of money mistakes when I went traveling.  I do not want to date myself but travel blogs were not as popular, and for the most part, was flying blind other than a Lonely Planet Travel Guide.  I lost thousands that could have been avoided.  So I compiled a list of my hard-earned tips and tricks, so you, would not make the same ones!

1. Go where your money goes farther!
Choose destinations where the cost of living is low. Beer in Western Europe could cost you five times a beer in Eastern Europe. Check out https://www.numbeo.com/cost-of-living/rankings.jsp to get an idea of how much it costs to just be in a country.

2. Travel slowly!
The longer you travel for, the cheaper it is. You get reduced rates staying places for a month or longer. The less jumping around you are doing, the less you are paying to get from one place to another. As you are there for longer, so you can take advantage of free days at museums and free festivals. Go to local parties.

 

3. Travel like you live there.
Don’t go out to eat constantly, pick up food at grocery stores and markets instead. Don’t make every day an action packed day, learn to relax. Take local public transportation instead of the tourist option.

4. Work!
Many places or business will give you room and board for work. It is easy to do, and you can even plan ahead with sites like HelpX.net, WWOOF.net, and WorkAway.info. Do not limit yourself; you can contact organizations or businesses you would like to work at and ask them directly too!

5. Cut down on fees.
Get a checking account or credit card that does not charge you extra for out or country transactions and ATM withdrawals. Or even better, find a bank which refunds any fees you may incur at a bank that is not your own. I use a Charles Schwab Investor Checking account. They have been amazing while stationary and abroad.

6. Play the dangerous game of credit card rewards.
I’m not a huge fan of these, as I always seem to end up giving them the cost of whatever they give me right back in interest. But they can be a powerful tool if you are disciplined. My husband and I took a trip to Nicaragua on points and only incurred a few airport fees.

7. Don’t have expenses at home!
Want to travel for a long time? Drop that lease, rent or sell your home, and sell off all your stuff including your car. Travel while you have no at home expenses weighing you down. You may be homeless, but let me tell you it is freeing!

8. Pay attention to Visas!
Know the status of the country you are entering and if you have to prearrange a visa, pay for a visa upon arrival, or can enter for free. I did not anticipate needing a visa, and it ended up costing me a lot of money in changing flights around as I could not afford expedition, and it would have taken a long time regardless as I was not in my home country. For United States citizens: https://travel.state.gov/content/passports/en/country.html

9. Don’t be afraid of people!
Hitchhike, find a travel buddy to split costs with, stay at someone’s house for free or through CouchSurfing.com. Try to network through social media to find friends and family in the area or their friends and family. Ask people who know more about the area than you to show you around. Not only does it help with costs, but it enriches the experience. Make sure to be kind and pass it on!

Ready to be Inspired?  Check Out:  My Top 5 Favorite Travel Videos!

Know someone else who might want to know how to save money traveling? Make sure to share!