Thursday, February 18, 2010

Simply Affordable

“Our life is frittered away by detail... Simplify, simplify, simplify! ... Simplicity of life and elevation of purpose.” Henry David Thoreau ("Where I Lived and What I Lived For" Walden)

The anticipation of life in retirement on a fixed income is a humbling experience in general and particularly for those that have had their investments pummeled over the last few years and still hope to retire in the near future. Thoreau went into the Walden woods to try and live as simply and as richly as he could. It seems that those contemplating retirement could also benefit from getting into this state of mind. Baby Boomers have always been able to define new lifestyles for themselves. They have been able to experience some amazing opportunities over their lives and will undoubtedly continue to do so by seeing the glass half full rather than empty.

As our lives progress, we accumulate family, friends, and relationships. These are surely the richness of life. Unfortunately, we also accumulate a lot of stuff like a home or two, vehicles, boats, RV’s, furniture, clothing, and keepsakes. While these things helps us to enjoy our family, friends, and relationships, they can also be a burden when we want to make a move into a new home or lifestyle.

It seems that more in the middle years (if they haven’t already) start to seek out more purpose and/or find opportunities to give back. A simpler life, home and finances provide the freedom of time and money to be more purposeful when you have more time to make the most out of life.
A more physically and financially manageable place to live is key to achieving that goal of finding more freedom in your life.

At Jensen communities, we can help with a simply affordable home.

Tuesday, February 2, 2010

Start a New Trend

I am on the email list for E-newsletter. It is fun to peruse each month as it makes me think of things I have not thought of and from a very different perspective than I would on my own. Kind of helps to stretch the mind so to speak.

We all get into habits and/or tend to follow trends on paths others have forged for us. It is refreshing to find one self all alone and venturing off into uncertain territory. To know what is right and follow it, despite what the rest of the herd may be doing, is both exciting and uncomfortable. Perhaps we do not venture off enough but it is high time that we do.

This is not to say that all trends are bad. It seems that trends only get out of hand when people take them too far and for too long. The housing bubble would have caused a lot less pain if it had burst as a birthday balloon rather than a hot air balloon.

It is time to start a new trend in housing. It’s pretty obvious that Mc Mansions may still be constructed for the well healed homeowner but Joe and Mary Middle America will now be more realistic. Hopefully people have learned not to buy a home that will never get furnished. Hopefully they have learned that our homes are no longer bank accounts on which we can take indefinite withdrawals. Hopefully they have learned that mortgage loans are something to be paid off and that our homes should be used to save not spend.

Anyone can do this by finding and purchasing a home within their means. Yes, it requires making realistic choices and deferring satisfaction, but reality wins over delusion in the long run.
A small, convenient, and easy to care for home should also be easy on the pocketbook and therefore allow for the achievement of other financial goals as well. If you can’t buy furniture, it’s pretty hard to save for a vacation, education, retirement, a wedding or anything else that is important and worthwhile to you.

Happy house hunting from