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Page
5 - Quiet Desperation For
more than half of my fifty years on this planet, I have been haunted
by the image of a young couple backing submissively out of a lender's
office, sophomoric grins on their faces, forever grateful to the
loan officer for condescending to enslave them economically for
the best part of their remaining natural lives. The young couple
will pay the "points" (a point is one percent of the amount of
the mortgage loan), perhaps the valuation costs, most closing
costs, and, for the first few years at least, mostly interest
payments and very little principal. The home, we will see, starts
out a higher price than necessary because it contains elements
required not by the occupants, but by the bank, elements that
do not necessarily grace the lives of the buyers, but just add
further economic burden. Sometimes, in my vision, I see the young
couple backing out of the office in bowed positions, boot-black
on their lips. This may sound like a surrealistic nightmare, but
events like this happen hundreds of times each business day.
Page 46 - Luxuries While there is room to save even where
the necessities of life are concerned, the real impact will come
from cutting back on the luxuries. One young couple of my acquaintance,
with a small child, each smoke a pack of cigarettes a day while
complaining of being unable to afford some of the basic necessities.
They don't even smoke the generic brand at $2.14 a pack, but a
name brand at $2.50. A $5-a-day habit like this works out to $1,825
a year, a figure about equal to either the down payment or the
annual land payment (plus property taxes) for most of the land
parcels in our neighborhood. Ten years, of course, equals $18,250
(if the cost of smoking stays the same). |
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Smoking
can be dangerous to your house. |
| Smokers
reading this should consider themselves fortunate. They are
already budgeting a significant amount of the grubstake savings
for something that is dangerous to their health, and perhaps
to the health of other family members. Their good fortune is
that, at a stroke, they can improve their health and begin transferring
$5 a day, or whatever the habit costs, to the grubstake. Non-smokers
are less fortunate. They're going to have to examine their spending
much more carefully to find out where they can come up with
$5 a day that our neighbors somehow manage to budget.
Page
107 - Marginal Land Sometimes land comes up for sale that
has been denuded of its resources: wood, topsoil, gravel, and
so on. Most people think poorly of land that looks such a mess
and seems so barren of possibilities, and this prevailing attitude
is often reflected in a very low asking price.
"Right,"
you say, "and I don't want it either." But don't dismiss this
land too lightly, especially if your primary goal is to find
a cheap building lot, and not to produce the various food, fuel,
and indigenous materials just discussed. So often we see heavy
machinery turn a pretty lot into a wasteland before construction
of the house anyway. This is an example of the typical North
American approach of fitting the site to the house, instead
of the more thoughtful and gentler attitude of fitting the house
to the site. Bulldoze, build, landscape. Trees are destroyed.
Topsoil is homogenized with subsoil. Additional expense is imparted
to already expensive land in order to get it to the point where
"convenient" building can take place. Using already decimated
land may enable you to afford property closer to town and at
a lower price than for "prime" land. The estimated cost of land
reclamation must be subtracted from the savings of the land
cost, but if the work is done by you yourself -- sweat equity
-- this tradeoff should be economically favorable. |
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This
future typically American housing development is just a mile from
the road where we live. |
| There
is another positive aspect to buying marginal land. For so many
years, American corporations and individuals have taken from
our land, and given back little in return. Instead of pillaging
more of the planetary capital for convenience and short-term
gain, let's reverse the trends whenever and wherever we can.
A lot to build a house on need not start out as part of Eden;
we can accomplish the transformation ourselves. A house requires,
first and foremost, space to build it on, not scenic views,
not waterfront, not prime agricultural land. Friend and advocate
of "gentle architecture" (as well as illustrator of this book)
Malcolm Wells tells about the building site of his first underground
office back in the seventies: |
| "Cherry
Hill, New Jersey, is a lavishly rich, trashy suburb of nearby
Philadelphia. My office is a tiny place on a tiny lot, wedged
between a freeway and a sewer. When I bought the property (for
$700!) all I could see were a few scabs of old asphalt on a patch
of barren subsoil. It was dead; all the way down the scale from
forest to woods to farm to suburb to abandoned highway construction
yard. Now, five years later, it's almost a jungle, even though
no topsoil and no fertilizer have ever been used, and a building
now underlies almost half the root space. The secrets: plenty
of mulch and a few key starter-plants ... Now, when we tell our
clients how to find choice building sites, we always urge them
to pick the worst ones, not the best, as we were always taught
to do. Now people can see for themselves how easy and how gratifying
it is to restore a bit of this trampled continent ("Underground
Architecture," The CoEvolution Quarterly. Fall 1976, p.87)."
Jaki
and I built Earthwood on the same hill where, in 1975, we joined
with others to start an intentional community of owner-builders.
It is a beautiful hill, with woods, meadows, springs, and streams.
If there was an eyesore in the neighborhood, it was a 2-acre piece
of land from which gravel was removed many years ago. The excavation
of gravel ceased when sand was struck, at a depth of about four
feet, so almost nothing grew and the sand was shipped up by the
wind; not what you would think of as the ideal building site.
But, just as the repair of the one weak link in a chain is more
beneficial than strengthening all of the other links combined,
so, too, the restoration of this one piece of devastated land,
a work in progress, will mean more to the visual and ecological
character of the hill than any amount of landscaping where Nature
has already set the standard. In our seventeen years of occupation
on this porperty, and inpsired by the admonition of the Gentle
Architect so many years ago, we have reclaimed about two-thirds
of the wasteland. Where once was lifeless moonscape, we now have
gardens, oxygenating grasslands and wildflowers, even a megalithic
stone circle; but that's another story. |
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Believe
it or not, the ideal building site is dying land that is just
waiting to be restored. The prospects: silence, privacy, wildlife,
clean air and water, more topsoil, less erosion, and lower fuel
bills. |
| The
main story here calls forth Roy's Fourth Law of Empiric Economics:
Adapt the house to the site, not the site to the house. This
law has more to do with ecology than money; but after all, economics
is fundamentally about how people interact with the
natural environment.
"
Adapt the house to the site, not the site to the house."
Page
160 - On Building Small Although economics is the obvious
reason for building small, it is not necessarily the most important
one. The most important reason for building small is to get
the thing completed! Inexperienced builders, even those
with plenty of money, should not tackle a house with more than
about 1000 square feet. There is a very real danget that the
place will never get finished. I have seen couples break up
over incompleted houses, and an overambitious project is one
of the major causes of an incompleted house.
There is, of course, another obvious reason for building small.
The ongoing life-cycle costs of the home will be correspondingly
lower in a small house. Given similar construction, the small
house will be proportionately easier and cheaper to heat compared
to the large one. Similiarly, the small home will require less
maintenance. And property taxes will be less. All this adds
up to a significant impact on the yearly operating costs of
the home.
There
are lots of reasons why people think they need to have a big
house, aside from bank propaganda and outmoded zoning regulatiions.
Two of the more prominent I call the "overreaction syndrome"
and "bedroom mania."
The
overreaction syndrome. Jack and Jill have been cooped
up in their little apartment or house trailer for so long that
all they can think of is, "When we build our house, there's
gonna be plenty of space!" They've got lots of time to
plan; paper and pencils are cheap. They finally get started
on their 3000-square-foot masterpiece. The possibilities from
there, in descending order of probability, are: (1) At first,
they have great enthusiasm. After about six months, money, energy,
and patience run low, then run out. Jack and Jill split up.
(2) After a while, Jack and Jill perceive that they've really
bitten off too much. They move into one-third of the place.
"Someday we'll finish the rest," they say. (3) They
pull it off, as planned. I have heard rumor of this, but have
yet to witness it first hand.
Bedroom
mania. The functions of a bedroom are to supply a peaceful
venue for horizontal resting of the body and to supply storage,
generally for clothes. Other uses you may think of generally
don't require any more space than for sleeping. The bedrooms
in most American homes could be divided in two and each would
still serve the purpose. Sure, lots of other considerations
come into the planning: building codes again; an adjustment,
perhaps, of the individual value system; planning a small bedroom
to accommodate furniture. One thing is certain: the larger the
bedroom (or house, for that matter), the more unnecessary "stuff"
one accumulates.
Note
from the author: This has been just a tiny sampling from a 354-page
book. Hope you enjoyed it. Here is the Contents:
Chapter
1 ... The Mortgaged Home
Chapter 2 ... The Grubstake
Chapter 3 ... The Land
Chapter 4 ... The Temporary Shelter
Chapter 5 ... The Low-Cost Home
Chapter 6 ... Our Own Story
Chapter 7 ... Mortgage-Free People
The
book concludes with over 50 pages of valuable resource material.
All excerpts © 1998 Rob Roy. All Rights Reserved.
©
2003 Earthwood Building School |
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