Category Archives: Health

Money Matters: How We Live On Just $1000/Month

Some people have asked for more specifics about how we were able to up and move to Puerto Rico and essentially retire before either of us turned 35. Well, let me first start this series with our budget. Your budget is sort of like your diet. It can be healthy or not, but it certainly does reflect what’s important to you. For us, living a bit more wild and free choosing how we wanted to spend our time was far more important than a lot of consumer items we could buy. Obviously not everyone wants to live like we do. But it certainly IS possible. And I would say having more freedom is worth every penny we don’t spend. If you are interested in the cost of living in general in Puerto Rico, check out this post: Cost of Living in PR.

Money Tree
Don’t we all wish we had a money tree?!

We live on only about $1000 a month. This is probably a shockingly low amount for most people, but it’s really just fine for us and it is very close to the amount we spent in Colorado except that we had a mortgage there. Less really is more and we still have a lot of fun and this is a pretty loose budget. If we needed to live on less I could probably get this down to about $700/month or $8,000/year if needed. So how does that $1000/month break down for us?

BUDGET BREAKDOWN

$500 -Food/alcohol. Approximately $100-$130/week grocery bill equates to about $500/month. While we grow a good 50% of our food it still costs a lot to buy food and alcohol. I value good, nutritious food, so this might be more than someone who just buys cheap junk processed food. Still eating in is by far cheaper (and way healthier) than eating out. This breaks down to less than $3 per meal per person (3 meals a day). If you counted the snacks/beer/coffee that we don’t go out to buy it’s even less!

Bananas
A banana tree is pretty close!

$100- Vehicle. Travel. Truck gas, marbete and maintenance like tires. We try not to drive too much and this is probably closer to $75/month but also gives some room for long distance travel or a random large mechanical problem.

$75- Going out for food. We don’t eat out much, but just a light lunch for two is about $20. Let alone a dinner. So we only go out to eat about 3 or 4 times a month.

Taco Food
Living in a tourist town can be expensive if you eat like a tourist very often! $8 for a couple of tacos is pretty common

$75 – Partying/hanging out. Hard to admit, but yah, going out once or twice a month to a bar or whatever is expensive when you start buying drinks/rounds! At least we get paid a little when we do it with the band!

$50- Clothing. We don’t buy this monthly but this would probably be an average of about $500-600/year.

$50 -Random household goods/repairs. Kitchen items, Kitty food, makeup, cleaning supplies, small tools, Rx. Stuff like that.

$50- Farm Expenses. Bird food, new plants, plant care, yard tools. Though some of this is capital improvements and/or comes back in the sale of eggs/produce or in that we don’t have to buy as much food at the store.

$50 -Utilities. Water, electricity and internet. Appx $15 each. We don’t have air conditioning or a clothes dryer and although we sometimes water our plants or mix concrete it still doesn’t seem to jump up much. Sharing is caring when it comes to internet and many other things.

$25- Medical. Doctor/Dentist -Rarely needed. Probably not even this much.

$25- Other miscellaneous expenses that inevitably pop up. Also gifts/donations.

What’s missing?
A mortgage/rent. We have no mortgage on this property. Living expenses are generally the largest expense most people have. So to be free from this is incredibly important in being able to live simply/inexpensively.
Other debt. We have no other personal debt. No student loans. No credit card balance. No home equity lines. No car payments. We live simply and don’t like debt unless it earns us money directly above and beyond what it costs to service the debt and even then I don’t really like it.
Costs related to investments in CO. Those go back into the business so aren’t counted as part of living expenses.
Most insurances. We self insure, so I suppose in a way our savings pays for this but it’s not a monthly or yearly expense.
Taxes. We pay very little taxes except sales tax. One big benefit of making less money is not having to pay much in income taxes! Property tax is $40/year or less than $4/month. Counted in other misc.
Costs related to construction. This was saved for prior to the move.
Many utilities. We don’t pay for a cell phone. We don’t have cable or even a TV. We don’t pay heating (there is no need for heating). No one pays for garbage service in PR.
Hair cuts, landscaping, car and house maintenance and other stuff we can do ourselves.
Costs related to children or divorces (like child support/alimony). Keepin’ it simple!
Very many dumb purchases. Sorry to say but some things like cigarettes, lottery tickets or bottled water are just not smart for a variety of reasons including your health, the environment and of course your budget. Alcohol is our one dumb purchase and we limit it to about $50-100/month. If we needed to save more it would be the first thing to go.
Retirement payments. We are already living it!
Most Entertainment. Most of our screen audio/visual entertainment comes from the internet.
Savings. We still save each month, but this budget list is only for expenses that are not recouped.
Travel/Vacations. This is captured under vehicle somewhat, but we can also use savings. Though I haven’t left the island in over two years, so it’s not really an expense currently. Traveling is super expensive in general!

Guajataca tunnel BK CK
Livin’ it up in Puerto Rico!

So that’s it! That’s what we spend our money on. We took a huge pay cut to move to Puerto Rico, but it didn’t really hurt because we lived on this basic budget in Colorado even when we were making a LOT more.  Though a lot of focus is on salary or pay, it doesn’t really matter what you make. It matters much more what you spend. Again to compare a diet, just as you can’t outexercise a bad diet (if you are eating more than you burn), you can’t outearn a bad spending habit (if you are spending more than you earn). You may be making a million dollars a day, but if you are spending two million you’re doing much worse than someone like us who makes maybe $1200/month but only spends $1000.

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The 5 Ways I Lost 20 + Pounds in Puerto Rico Naturally Without Really Trying

“Have you lost weight?”
“You look really great, what have you been doing?”
“You seem younger, more vibrant!”

Both Britton and I have been hearing this for a while now. The thing is, we don’t own a scale so we have no idea what we weigh. It just really doesn’t matter that much. It’s important to be a healthy weight and have a healthy body, but the number the scale says doesn’t really mean that much overall.  But the other day I saw a scale in someone’s bathroom and I stepped on. Sure enough I had lost over 20 pounds! That’s more than I’ve ever lost “trying” to lose weight dieting or exercising like when we were in the newspaper (and these 20 lbs I’ve lost are on top of about 10 that I kept off before moving here). I went from slightly overweight (around BMI of 27) to right at my ideal weight (BMI 23)! Wow! It got me thinking: When and how did that happen?

Kayak Cassie 5
Shortly after moving to Puerto Rico: October 2013 -About 20 lbs heavier

Cassie bikini
December 2015

I guess I knew by the way my clothes were fitting, the sizes I could wear and those comments from people that I must have lost some weight, but I had no idea it was that much! I really try not to obsess over weight or my body. If I feel good and confident that’s what really matters. I know this weight obsession is something especially women have been told we have to do in order to fit into society. But I reject that. I don’t buy into this one size fits all beauty BS.

But there is an epidemic of overweight and obesity spreading throughout the modern world, so it is something I am aware of at a personal level. And it is important to think about for your health. Having an extra 10 or 20 or more pounds is really hard on your body and causes inflammation that can lead to heart disease, diabetes, cancer and ultimately an early demise. There are all sorts of theories and reasons why this epidemic of obesity is happening and the best answer is…a combination of things. I believe it is mainly caused by the junk food industry. Check out these graphs  and see for yourself.

So whether it is because of societal pressure to be skinny or because you are also interested in not being an obesity statistic, many people with a few extra pounds will try everything they can to lose weight. And so of course there is a huge industry built on it. But the weight loss industry is hardly any help as they just want to sell you their products and make you feel that you can’t live in a healthy body without their system, shake, pill, or exercise video. It’s a multi-million (billion?) dollar industry and their goal is to keep you hooked on their stuff. Even if it works to help you lose weight, what have you spent getting it? (Probably lots of money and time doing something that doesn’t feel natural!) So I didn’t buy into any of that junk either. And those pyramid multi-level marketing “businesses” where you have to recruit all your social networks to sell somebody else’s questionable stuff? Whole other level of shaking my head.

Bookshelf
Britton October 2013

Britton bench
Britton Sept 2015 ~15 lbs lighter

And so while I understand that this is an issue of global proportions and a societal instead of just an individual matter, I also wanted to understand what I personally did to somehow lose 20+ pounds without trying! While this is anecdotal, it could perhaps be useful at a broader scale as well. I thought about what had changed in order for this weight to seemingly melt off of us. Maybe we could call it the Move-to-Tropical-Island-and-Live-a-Little-More-Naturally Diet.

You know how they say it can’t be a temporary diet, it must be a lifestyle change. Well, that in a nutshell is the key.

Here are the five things we do consistently now that our lifestyle has changed.

1) Eat to live, not live to eat
This is a great motto. Basically it means not to obsess over food. Life is about SO much more than eating. You should feed your body the nutrients it needs, enjoy it and move on. You shouldn’t need to analyze every calorie and write down every little thing. If you are eating naturally (see tip three), you shouldn’t need special powders, coaches and programs to track it. I used to track every little thing I ate in order to lose just a few pounds in Colorado and it drove me nuts because I felt so obsessed with every morsel or drop that went in my mouth. That just sets you up to be neurotic about food.

Eat just enough which for many people probably means a lot less than what you normally eat, especially restaurant servings. In general I eat a LOT less than I used to, but what I do eat is a LOT more nutrient rich.

Some people’s whole world revolves around the latest and greatest new restaurant or food place. That’s fine every now and then, but food is just a small part of life. It shouldn’t be the main focus. This also means to choose activities that aren’t food-based. Preferably activities that also include movement (see tip four)!

This tip also means eating when we are hungry (and not eating if we’re not). Sometimes we may not eat a traditional full meal. Sometimes breakfast is a full plate of eggs and peppers, plantains, cottage cheese, passionfruit, coffee, a cookie, toast and more. Sometimes if we’re not hungry it’s just a banana and coffee.

Listen to the needs of your body. I, for one, am not very hungry late at night, but Britton is. So he sometimes eats late and I don’t. I used to, just to be on the same page. That’s another key. Just because someone else is eating/drinking something doesn’t mean you have to! Think about your body as something that needs fuel. Then you will choose foods that help it thrive and not just give you spikes or emotional rewards as most junk food does. This also goes for drinking. I usually try to have an equal amount of water (or club soda) for every alcoholic beverage I drink because alcohol is not really fueling the body (but it can be a fun part of life if done carefully so I still include it in my chosen lifestyle).

On the farm with turkeys and a papaya
By looking the part, I become that -Farmer Cassie

2) Look the part.  Dress for success.
I don’t know a better way to say this. This tip isn’t just about weight loss, but really any goal you have. Life is like a big play. We get to play a role or many. When we moved to Puerto Rico we got to choose new roles. It’s sort of like the advice to dress for the job that you want not the job that you have. Act the part. Learn from the people who are playing a role you would like to have/live/look/do. Then fake it until you make it. If you want to look and feel good in your own skin, start doing that. Wear the type of clothes you would want to wear if you were in the role of your choice. If you want to feel good and confident, do the things that make you feel good and confident whether that’s a certain hairstyle, clothing, manner of talking, exercises, food, whatever. And then the spiral effects start happening. The more you feel confident the more you’ll hear that you look good and confident which only magnifies that feeling and makes you want to do more of that.

If I want to be a farmer, I wear my farmer boots and grow stuff. If I want to be a beach bum/surfer chick I wear my swimming suit and go in the water. If I want to be a rockstar I wear flamboyant sequin outfits and sing. Whether consciously or not, you are already in many roles in this play. So if you want a new one, cultivate it.

Mini watermelon cucumber
“Mouse melons” growing as weeds all over – Melothria scabra

3) Eat natural
This is the nitty gritty down and dirty prescriptive advice that is the cornerstone of most weightloss advice/books. It’s where all the arguments about this or that particular food. Gluten or not? Carbs or not? This diet or that. For me, I just want as natural as possible. And living on a tropical island we should be able to have natural/local/organic a lot more often! And by natural here’s what I mean in order of preference.

—a) Truly wild. Like a fish that was swimming in the sea is now my dinner sort of wild. Or a wild parcha vine drops a passionfruit and I eat it. A weed mousemelon snack. You know, caveman sort of foraging.

—b) I planted it or raised it and cooked it and know exactly everything that went into growing it. Our plantains, bananas, breadfruit, citrus, avocados, coconuts, sapodillas, mulberries, tamarinds, and other fruit trees. Our garden plants like basil, cilantro, or lettuce. Our chicken eggs. Our turkey meat. if I can grow it and pick it off a tree or harvest it from the ground or my birds/animals, it’s definitely natural.

Bounty of the finca 1
Just some of what we can grow here

—c) Someone I know planted or raised it or caught it and I can talk with them about all the stuff that went into that. This means friends and neighbors, people at the farmer’s market. Someone directly connected to your food at a local level.

—d) Someone I don’t know planted or raised it, but it is pretty clearly a single ingredient food close to its raw state.  Here’s where the grocery shopping may start coming into play and where you have to look at ingredients to make sure there is no industrial chemical and addictive crap (sugars, GMO commodity junk, fats, salts) added.

—e) Multiple ingredients, but most or all of them seem natural.  I try to go organic here as this is where it starts getting tricky. Things like chips or crackers or cheese or even canned beans or fish. You have to be careful here because the food industry tries to jump in and make false and confusing claims. This is where you have to really watch out for the industrial stuff like corn syrup, soy bean oil, hydrogenated oils, stuff that ends in -ose (hidden sugars), and all the preservatives and even what it was packaged in. In general I prefer to stay away from stores and closer to the finca for a large part of my food to keep it simple.

—f) Meals cooked by or shared with friends/family. Regardless of the ingredients the love that is felt sharing a meal is almost always worth eating because to me this is about filling the soul. I don’t worry about the components of these meals too much and just enjoy and appreciate all of it. I might not eat much, but I will eat some. Sharing a meal is the most natural thing in the world. And if it is also made with natural ingredients, even better! If you have anxiety about going out with friends/family because of what is going to be served, this is the most unnatural of all. I’ve never been much of a pork eater, but when in Puerto Rico…I eat lechón! 🙂

So on the flip side, what is not-natural? Commodity industrial “food” -most anything made of GMO pellet food like corn, soybean, canola and anything fed those things -like pretty much all conventional animal products- and also most wheat products since they are so processed. This means most packaged foods. It means practically all fast food or chain restaurant food. It is the kind of stuff that doesn’t rot. Stuff that is not natural in any of those above definitions I try to avoid. Still, I know that we live in a very un-natural setting and the cards are stacked against us. So I go for the 80/20 rule. 80%+ of natural eating and 20%  or less of unnatural foods. Once you know the difference, it’s very easy to eat naturally.

Things I avoid with all my might if at all possible: soda, cured meats, fried foods.

A note on treats and hunger.
If I’m super hungry and there is nothing else to choose, I may be stuck in a situation where I must eat something not very natural with low-nutrients/unhealthy ingredients. I have to be careful here because the more you eat of this junk the more you think it’s ok. It’s the addictive side of modern food. But if you are hungry, you should eat! It is natural to eat if hungry! But it is better to plan ahead or even go to the store and buy some single ingredient foods like bananas than it is to eat out almost always. And the more natural ingredients you eat overall, the less cravings you’ll have for crap junk industry commodity foods laden with added sugars, fats, chemicals and salts. This makes it all the easier to do without really trying.

And then there are the treats. For instance, I like a cookie in the morning with my coffee. I try to choose cookies with better ingredients, but it’s still a sugar/fat bomb. It gives me a smile in the morning and I’ve consciously decided it should be a part of my life like alcohol, but I just have one or two. Again, I eat to live, not live to eat them.

Here are some specifically helpful food for weightloss/health/vibrancy. Since we’ve lived in Puerto Rico our diet has changed quite a bit. I think these foods have helped a lot in our well-being and we eat them nearly every single day.

Scambled eggs
Example of a daily meal -scrambled eggs with peppers, garlic, avocados and fresh local fruit

Bananas. Great snack. Filling. On-the-go food. Always in season.Grows easily. Compostable wrapper.
Plantains/Breadfruit. Awesome as the main starch in a meal.
Coffee. Locally grown Puerto Rican coffee. So good. High antioxidants and a natural appetite suppressant.
Turmeric. So, so important for health. If you want to reverse aging, feel healthy and prevent diseases eat this! We eat fresh turmeric root daily!
Garlic. Like turmeric it is superfood. Helps avoid colds and illnesses. Great for the heart. Like most spices it’s a good seasoning so that you don’t have to use as much salt.
Chia seeds. One tablespoon a day. Naturally filling when eaten with water because they expand so it suppresses the appetite. Super high fiber, high omega-3s, great for the digestive system.
Coconut oil. Pretty much the only oil we use to cook. Good for everything from eggs to popcorn.
Our free-ranging chicken eggs. Perfect source of protein. Great source of vitamins.
Beans. High fiber. High protein. Inexpensive, filling and delicious.
Local fruits and veggies. Anything else we have locally or in season. Avocados. Starfruit. Passionfruit. Peppers. Watermelon. Coconut. Sapodilla. Tamarind. Oranges or fresh squeezed juice.

4) Move naturally
You should move your body. It’s that simple. We need it. We are creatures that need movement, exercise. Whatever you want to call it. I think that running on a treadmill or stationary bike or lifting weights or doing a workout video feels really fake. Sort of like a hamster on a wheel in a cage. And I guess if you are in a cage (stuck inside due to weather or at a job that is mostly sitting or whatever) it is definitely better than nothing. But Britton and I prefer to move naturally using our body to do things. Use it for transportation: walk, bicycle. Use it to dance. Use it to swim. Stretch. Carry heavy stuff. Make stuff. If you like doing those other things that were made in and by modern society, then by all means do it. These things just seems so foreign to the way we have evolved.

Snorkeling Cassie 3
Natural movement: swimming/snorkeling!

As for me I walk up and down the hill that is our finca at least 2-3 times a day. Britton even more! I walk around our area, downtown, on excursions and hikes, I walk on the beach. I swim and do other water activities. I do yoga and stretching in the morning. I sing and dance. I help Britton haul stuff over to the cabin. And if it is social I like to take exercise classes, play a sport or go salsa dancing. Natural movement should be a natural part of life. It shouldn’t be something you have to force yourself to do or you get mad at yourself for not getting your prescribed workout in. Again, it is the natural lifestyle. This lifestyle of ours naturally includes lots of movement.

5) Cultivate Purpose and Balance.
This is another one that is not really diet or exercise specific, but something that has been a big change in our lifestyle and that I think really has made a big difference. Not only has being self-directed helped us to look and act the part of our choice but it has helped us to be much more balanced. If we do any one thing too much you can tell. So we try to keep it varied. We go out with various people, we do various activities. We probably all have something of a routine, but we often break it and do something spontaneous. We try to put our friends and fun before any project. This has allowed us to really fine tune what is important to us. This includes our health. Because of the bigger picture, we are much less likely to just eat crap or watch crap tv or just go shopping. Instead of being on the unbalanced side of only consuming everything like we used to -eating, listening to music, watching TV, buying stuff; we are now producing -growing food, making music, creating videos, building a homestead. We are making stuff! This gives us purpose, direction and balances out the consumption/production scales (and apparently the weight scales too).

Horned Dorset pool
With this new life we never know what wondrous moments await

Weightloss seems like such a minor side effect of our lifestyle. The effects of more happiness, having more life purpose, feeling more connected with our environment and people and feeling more alive in general doing new and exciting things is so much more important. And so cyclical, because the more you feel those thing the more they come back. The cycle. The balance. We modern people always try to cut out some aspect and refine it into some linear form, but that rarely works. We “modernites” try to encapsulate something (sometimes literally in a pill), but it is nearly impossible to take out half the components and expect that something won’t be missing. So we went back to the basics. The whole is more than the sum of the parts. The combination of effects from our new life is not something that I can neatly summarize into 5 points, but hopefully this is a start. Go out there and live the life of your dreams. Your body, mind and spirit will thank you.

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A Walk to the Beach (and Other Spots)

We live just down an offshoot of the main road of the 413 in Rincón and about 3/4 of a mile from the beach. So whenever possible we try to walk. Walking provides a different sort of perspective on the world. You are much more likely to stop and talk with your neighbors along the way, you notice the small details and life just slows way down. We walk down to the bakery, friends’ houses, the gas station, Sandy Beach, food stops and other spots. When Sean was here we took even more walks because we pushed pause on a lot of our other projects.

Hanging out with Will and Sean
Britton, Will and Sean hanging at Jackie’s Gyro place

Cassie HammockHammock relaxing
While I literally hung out

Sean also took a few solo walks and found a path from our house directly to the beach and so we all decided to go for the hike to check it out. Britton and I have been curious about a trail that would supposedly end up at the beach but we hadn’t ever actually taken the trip.

IMG_1753
Through the back jungle

We took a machete and just followed Sean’s lead through little creeks and over small bridges, bamboo clumps and flower-carpeted trails. We took our time and stopped to admire all the things we came across.

Field on walk
Open meadows

Flor
Flor de maga -Puerto Rico’s official flower -looks like hibiscus but is not

Horses
We even came upon these beauties covered in burrs that made their manes look like Rasta dreads

Condos
We then popped out of the jungle and right into civilization at these mostly empty condos

Beach palm tree
And onto this beautiful coconut palm fringed Rincón beach

It was a fun little side quest that took us only about a 30-40 minute walk through the jungle. You never know what awaits just out your backdoor. Sometimes the best adventures are found on your own two feet.

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Surf Sesh with Will

Britton and Will Parking LotsSurfing at “Parking Lots”

Our friend Will plays in the band with us (we call him Will Hendrix) and Britton ran into him at the gas station. “Hey, do you want to go surfing? Let’s go! Right…now! You can borrow a board from me!”

Britton was planning on just getting some gas and then working on the cabin for the rest of the day, but hey, what’s the point of being “jubilated” if you can’t just switch gears at a moment’s notice if you want.

So Will and Britton stopped at home and picked me up and we spent the morning at the beach. Surfing is something new to both of us…in fact, being from landlocked Colorado really means that anything to do with the sea is still somewhat new to us. And surfing is like a whole culture within another culture. Something else we’ve been learning as we live in this little surf town.

Britton and WIll
They watched the waves for a while before heading out

Paddling
Then they paddled out

The waves were clean but not super big. Still big enough to be a little intimidating for a noob like Britton. Will, on the other hand, is a pro. He rode wave after wave -no problem.

Will surfing
Will’s ride

I hung back watching and taking pictures. What a beautiful morning at the beach!

Cassie Beach
Playing in the water

Britton paddled out and then tried to catch a few. He would come back and talk with me for a while before going out again. Then he came back a final time and said he was worn out from paddling and drinking sea water. I looked down and saw he was bleeding too!

Britton Cut
Scraped on a rock coming in

Will asked if I wanted to go out, but I am still pretty nervous about surfing. I like to go swimming in these waves but they can get pretty gnarly sometimes. I worry about getting smacked with the board or scraped up like Britton. Maybe when it’s a little flatter.

Cassie Surfing 2
This was the extent of my surfing that day

It was fun having someone like Will who is so eager and excited to surf he doesn’t mind being with a couple of kooks like us. What a fun day. I look forward to more surf days like this!

Cassie and Will 2
Me and Will

Britton Man of Sea
Britton’s red chest from paddling

Willand Mom Gyros
Afterward we stopped by the new Gyro place on the 413- Will’s grandma Jackie owns and runs it and it’s delicious!

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