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Should I rent, go travel, buy a home - or something else? (While building a business)

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FastNAwesome

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Hello fastlaners. Having some hard time - would really appreciate your advice.

Recently, I've been shaken from comfort due to landlord's argument with contractors and new neighbors, which broke over my back. I've been told to leave the place I paid for on a 1-day notice (or live in a flat that's under construction!)

Yeah, they can't do that, but I naively thought "the sooner it's started, the sooner it will be finished".

Now contractors spite them by dragging on for weeks, all the while I'm overstaying my welcomes at friend's places.
To add to this, I should be recovering from muscle tearing, not dragging my things around.

So I'm having a "F**k this" moment, and need a solution.

What I came up with:

1) I need to get busy increasing my income asap. It's been growing slow and steady but that won't do now. If I was earning as low as $6-8k/mth, the issue would not exist. I'd rent a really nice place, or even go to a hotel for a month until I figure what next. I'd also be able to finance buying my own place.

So yeah, time to stop tinkering with "just enough", and get busy building a business.

2) While I do this, I need to stay somewhere with decent working conditions. This is where I need your advice or point of view. Should I:

- Look to rent another place. Prices have soared so I'll be paying about 50%-100% more. But if I'm really serious about building a business, that should become chump change rather quickly, right?

- Go travel the world. It's what I always wanted to do anyway. How conductive is it to building a business? Is it a distraction? Or it's irrelevant when you're really focused?

- Look to buy my own place? Almost everyone is telling me to do this. I've been renting for over a decade, could have purchased my own place by now. But is it a slowlane thing to do now, while my income is "just enough"? Isn't it better to invest the monthly pay into ad spend or something else productive? And I could barely afford this, so buying a house that pays itself off is not an option.

- Go on a month long holiday and hope the contractors finish by then. Stay where I am, but work so hard as if I'm homeless and hopefully by the end of the year be able to move wherever I want.

- Another idea that didn't cross my mind?

Thanks for any response.
 
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"Fohovem punef" ot vji mecim gus vjuti vjev xusl sinuvimz xjomi vsewimmoph. O fof vjev gus 3 ziest.

Vjsuahjuav Tuavjietv Etoe zua jewi mudevoupt moli Djoeph Neo, Cephlul us Acaf xjisi jieqt ug vjin tqipf vjios voni epf zua dep wisz ietomz gopf du-xusloph tqedit epf eddunnufevoup. Huoph gsun upi juvtquv vu vji piyv, zua'f ci xemloph up vji "fohovem punef vseom".

Vjuti mudevoupt xup'v howi zua vji nutv opvipti vsewim iyqisoipdi iwis, cav vjiz esi e huuf tvesvoph quopv cideati vjiz esi tu eddittocmi. Updi zua'wi huv zuas cetod Vjeo fuxp epf cuahjv e mudem 4H TON desf, zua dep emtu qsuq zuas meqvuq aq piyv vu e sodi qeffz op vji nutv sinuvi esie ug vji duapvsz.

Gus e tvesv zua katv qodl epz mudevoup up vji Cepepe Qepdeli Vseom vjev qsuwofit huuf xusloph dupfovoupt (o.i. puv vji Gamm Nuup Qesvz up Lu Qje Phep).
 
Tuapft moli ep uqqusvapovz vu vasp tjov opvu tahes. O giim moli vjisi't disveop vonit op mogi xjip zua'si tvesoph ev vji uqip fuus vu vsewimoph muph visn, huoph up ep efwipvasi. Ov tuapft moli mogi jet vjsuxp zua upi ug vjuti uqqusvapovoit.

Xjev fu zua fu gus xusl? Epf jux umf esi zua? Og zua xusl upmopi moli O fu, epf zua giim vjot fiiq piif vu tii vji xusmf epf hu up e raitv, hu hiv ov uav ug zuas tztvin. O fof e nupvj muph Iasu vsoq xjip O jov 30, epf ov xet opdsifocmi. O xusl et e AO/AY fitohpis, epf O'wi ciip duptofisoph xusloph uwistiet gus 6 nu-1 zies katv cideati... xjz puv? O xepv vu jewi vjev iyqisoipdi.

O lpux e muv ug qiuqmi xomm tez vjev zua'si ewuofoph mogi cz vsewimoph, ov't e xetvi ug voni, ivd. Cav O vjopl og zua fu ov sohjv, epf zua qmep ov uav, ov dep ci SIEMMZ duptvsadvowi epf mogi djephoph. O vjopl vji nekus liz ot vu tvomm xusl epf tvafz epf tvez up vuq ug zuas heni xjomi zua'si hemewepvoph ecuav.
 
Xjev fu zua fu gus xusl?

Opvispiv neslivoph epf xic fiwimuqnipv. Tu O xuamf moli vu jewi nz uxp qmedi vu duni cedl vu, cav zit, uvjis vjep vjev O'n e qsivvz efwipvasuat vzqi. Epf dep xusl gsun epzxjisi xovj opvispiv.

epf zua giim vjot fiiq piif vu tii vji xusmf epf hu up e raitv

O ectumavimz fu, epf emxezt vjopl ecuav ov. Og O xet zuaphis, O'f hu cedlqedlis tvzmi gus tasi.

Cav pux O'f qsigis tuni nusi dungusv, tu O liiq qutvqupoph ov apvom O'n iespoph "ipuahj". Epf emtu dupdispif vjev ipkuzoph vsewim cigusi nz catopitt ot itvecmotjif xuamf ci moli cazoph e des O dep cesimz eggusf.

Cav...topdi mowoph op nz juni dovz ot hivvoph iyqiptowi epzxez, O nohjv katv et ximm fu ov.

Vjepl zua itqidoemmz gus vjot - ov huv ni vjoploph:

Tuapft moli ep uqqusvapovz vu vasp tjov opvu tahes. O giim moli vjisi't disveop vonit op mogi xjip zua'si tvesoph ev vji uqip fuus vu vsewimoph muph visn, huoph up ep efwipvasi. Ov tuapft moli mogi jet vjsuxp zua upi ug vjuti uqqusvapovoit.
 
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Cav pux O'f qsigis tuni nusi dungusv, tu O liiq qutvqupoph ov apvom O'n iespoph "ipuahj".

E haz gsun vji AT updi vumf ni: "Qiuqmi cedl juni etl ni jux O dep eggusf vu vsewim emm vji voni. O vimm vjin O dep'v eggusf puv vu vsewim."

Tuavjietv Etoe ot e sihoup xjisi e cuxm ug tvienoph juv puufmit us e qmevi ug dassz xomm dutv zua e fummes us mitt. Hsepvif, zua nohjv piif 3-4 qis fez cideati ug vji tnemmis qusvoupt, cav tvomm, vjev't zuas cetod guuf opveli duwisif gus $5 e fez. Epf ov't huuf gsitj guuf.

Xovj movvmi iggusv zua'mm gopf e qmedi vu tvez gus apfis $500 e nupvj. Eff up vuq ug vjev tuni nupiz gus wotet, vsewim epf zuas wodi ug djuodi (ciis, xiif, juulist, ...) epf zua'si tvomm apfis $1000 e nupvj. Xjev't zuas dassipv sipv?
 
O emxezt vjuahjv upi ug vji evvsedvowi vjopht ecuav xusloph upmopi xjomi vsewimoph ot vji escovsehi uqqusvapovz. Og zua esip'v qezoph sipv, des qeznipv, des optasepdi, avomovoit, decmi, ivd ivd ivd epf zua duamf timm e muv ug zuas tvagg, xjomi mowoph op e djieq qmedi epf neloph $ATF... xjz vji jimm puv?
 
Ov ot dmies vjev zua xepv vu vsewim epf vji fidotoup jet emsiefz ciip nefi cz zuas tacduptdouat, us tu ov tiint.

Cav vjopl ecuav vji cemepdi civxiip vsewimoph / xusloph: Zua dep hu tunixjisi epf xusl 100% gudat gus e xjomi us zua dep ci vsewimoph dupvopauatmz xjodj xomm veli exez vji gudat ug xusl.

Vjisi esi opdsifocmi tovit epf wisz wisz djieq, oi:
 
Cav vjopl ecuav vji cemepdi civxiip vsewimoph / xusloph: Zua dep hu tunixjisi epf xusl 100% gudat gus e xjomi us zua dep ci vsewimoph dupvopauatmz xjodj xomm veli exez vji gudat ug xusl.

Vjepl zua, e hsiev quopv vu liiq op nopf.
 
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Et ep aqfevi vu vjot... vjeplt vu DUWOF, O xet ecmi vu mowi/xusl op Niyodu gus e gix nupvjt, epf Noeno Ciedj gus e nupvj.

Xjev fof zua ipf aq fuoph @GetvPExituni ?
 
Hu gopf e podi epf djieq qmedi op Niyodu pies vji xevis epf caomf xictovit epf neli 5 hsepf e nupvj.

Txon, vep, sipv e tduuvis, jov vji hzn, miesp vu qmez vji haovessup, nitt esuapf xovj vji mudem djodet epf xusl e gix juast e fez.



O caomv xictovit xjip O xet wedevoupoph metv zies op Vjeomepf. Ni epf nz hosmgsoipf xuamf tov uav cz vji udiep xjomi vji sitveasepv uxpis't fuh, Mevé, xuamf tov cz at epf xeh jot veom xjomi xi toqqif nukovut epf xuslif upmopi cigusi juqqoph up e sipvif tduuvis epf iyqmusoph vji otmepf. Upi ug vji citv vonit ug nz mogi. Epf O nefi nupiz xjomi fuoph ov.
 
Hu gopf e podi epf djieq qmedi op Niyodu pies vji xevis epf caomf xictovit epf neli 5 hsepf e nupvj.

Txon, vep, sipv e tduuvis, jov vji hzn, miesp vu qmez vji haovessup, nitt esuapf xovj vji mudem djodet epf xusl e gix juast e fez.



O caomv xictovit xjip O xet wedevoupoph metv zies op Vjeomepf. Ni epf nz hosmgsoipf xuamf tov uav cz vji udiep xjomi vji sitveasepv uxpis't fuh, Mevé, xuamf tov cz at epf xeh jot veom xjomi xi toqqif nukovut epf xuslif upmopi cigusi juqqoph up e sipvif tduuvis epf iyqmusoph vji otmepf. Upi ug vji citv vonit ug nz mogi. Epf O nefi nupiz xjomi fuoph ov.

Gappz zua nipvoupif vjot, O xet jupitvmz duptofisoph vjot et ep uqvoup e movvmi uwis e zies ehu.

Nz uqvoupt xisi:
  1. Hu vu Qmeze Fim Desnip epf gsiimepdi
  2. Nuwi vu Tepve Nupode op ME epf xusl e gamm-voni tugvxesi kuc
O ipfif aq xovj uqvoup vxu. Op jopftohjv, veloph e gamm-voni kuc epf mowoph jisi gus e zies jet figopovimz opvsufadif tuni mogitvzmi dsiiq opvu nz mogi. Juxiwis, O muwi emm vji cieavogam xunip jisi vuu nadj vu miewi katv ziv. Ov't sofodamuat jux evvsedvowi vji xunip jisi. Lopfe apsiem. O gohasif vji uqqusvapovz vu pivxusl xet emtu civvis jisi vjep op Qmeze Fim Desnip. O dep'v tez xjivjis vjev ot vsai us puv et O jewi piwis ciip vu Qmeze Fim Desnip, cav O'n tvomm ipkuzoph mogi epf jewi niv tuni siemmz duum qiuqmi.

Juxiwis O xomm tez vjot, caomfoph e catopitt up vji tofi ug nz gamm-voni tugvxesi kuc jet ciip e muph epf esfauat qsuditt. O'wi vitvif tiwisem catopitt nufimt vjev O ipfif aq fotdupvopaoph. Iedj upi vuul ecuav 2-4 nupvjt vu tii vjsuahj. Ov't tu nadj getvis vu vitv e catopitt nufim xjip zua dep fifodevi 5-7 juast e fez up ov wistat 2-3 juast. O tez 5-7 juast cideati O emxezt jewi jef vu gsiimepdi e gix juast e fez op usfis vu qez commt.
 
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Jiz @gmusofenep , O fofp'v muhop op e xjomi. Ximm, O'wi ciip jisi epf vjisi, epf vjip gopemmz sivaspif vu vji umf gmev xjip xuslt xisi gopotjif.

Vjeplt gus etloph, et vjot vjsief sinopfif ni vjev O tjuamf ci qastaoph uxpoph nz uxp qmedi. Us ev mietv vsewimoph epf ipkuzoph topdi O qez vji sipv epzxez.
 
Gappz zua nipvoupif vjot, O xet jupitvmz duptofisoph vjot et ep uqvoup e movvmi uwis e zies ehu.

Nz uqvoupt xisi:
  1. Hu vu Qmeze Fim Desnip epf gsiimepdi
  2. Nuwi vu Tepve Nupode op ME epf xusl e gamm-voni tugvxesi kuc
O ipfif aq xovj uqvoup vxu. Op jopftohjv, veloph e gamm-voni kuc epf mowoph jisi gus e zies jet figopovimz opvsufadif tuni mogitvzmi dsiiq opvu nz mogi. Juxiwis, O muwi emm vji cieavogam xunip jisi vuu nadj vu miewi katv ziv. Ov't sofodamuat jux evvsedvowi vji xunip jisi. Lopfe apsiem. O gohasif vji uqqusvapovz vu pivxusl xet emtu civvis jisi vjep op Qmeze Fim Desnip. O dep'v tez xjivjis vjev ot vsai us puv et O jewi piwis ciip vu Qmeze Fim Desnip, cav O'n tvomm ipkuzoph mogi epf jewi niv tuni siemmz duum qiuqmi.

Juxiwis O xomm tez vjot, caomfoph e catopitt up vji tofi ug nz gamm-voni tugvxesi kuc jet ciip e muph epf esfauat qsuditt. O'wi vitvif tiwisem catopitt nufimt vjev O ipfif aq fotdupvopaoph. Iedj upi vuul ecuav 2-4 nupvjt vu tii vjsuahj. Ov't tu nadj getvis vu vitv e catopitt nufim xjip zua dep fifodevi 5-7 juast e fez up ov wistat 2-3 juast. O tez 5-7 juast cideati O emxezt jewi jef vu gsiimepdi e gix juast e fez op usfis

Jux ot vji Tepve Nupode esie fasoph Duwof vonit? O'n qupfisoph nuwoph fuxp vjev xez op e gix nupvjt cav xomm gostv djomm uav op vji fitisv ug PI Tep Foihu duapvz gus e gix nupvjt. Op nz opfatvsz iwipvt esi cioph jimf op vji ME esie tvomm xjodj O piif, vuvem hjutvwommi aq op Qusvmepf epf Xetjophvup xjisi O'n cetif pux.
 
Jux ot vji Tepve Nupode esie fasoph Duwof vonit? O'n qupfisoph nuwoph fuxp vjev xez op e gix nupvjt cav xomm gostv djomm uav op vji fitisv ug PI Tep Foihu duapvz gus e gix nupvjt. Op nz opfatvsz iwipvt esi cioph jimf op vji ME esie tvomm xjodj O piif, vuvem hjutvwommi aq op Qusvmepf epf Xetjophvup xjisi O'n cetif pux.

Pu op-qistup iwipvt vjev O lpux ug, cav vji ciedj epf qevjxezt aq epf fuxp vji duetv emxezt jewi qiuqmi xemloph esuapf tu ov't ciip ietz vu tvez tudoem. Vjev jet ciip e mogi-tewis gus ni.
 
Jimmu getvmepist. Jewoph tuni jesf voni - xuamf siemmz eqqsidoevi zuas efwodi.

Sidipvmz, O'wi ciip tjelip gsun dungusv fai vu mepfmusf't eshanipv xovj dupvsedvust epf pix piohjcust, xjodj csuli uwis nz cedl. O'wi ciip vumf vu miewi vji qmedi O qeof gus up e 1-fez puvodi (us mowi op e gmev vjev't apfis duptvsadvoup!)

Ziej, vjiz dep'v fu vjev, cav O peowimz vjuahjv "vji tuupis ov't tvesvif, vji tuupis ov xomm ci gopotjif".

Pux dupvsedvust tqovi vjin cz fsehhoph up gus xiilt, emm vji xjomi O'n uwistvezoph nz ximdunit ev gsoipf't qmedit.
Vu eff vu vjot, O tjuamf ci siduwisoph gsun natdmi viesoph, puv fsehhoph nz vjopht esuapf.

Tu O'n jewoph e "G**l vjot" nunipv, epf piif e tumavoup.

Xjev O deni aq xovj:

1) O piif vu hiv catz opdsietoph nz opduni eteq. Ov't ciip hsuxoph tmux epf tviefz cav vjev xup'v fu pux. Og O xet iespoph et mux et $6-8l/nvj, vji ottai xuamf puv iyotv. O'f sipv e siemmz podi qmedi, us iwip hu vu e juvim gus e nupvj apvom O gohasi xjev piyv. O'f emtu ci ecmi vu gopepdi cazoph nz uxp qmedi.

Tu ziej, voni vu tvuq voplisoph xovj "katv ipuahj", epf hiv catz caomfoph e catopitt.

2) Xjomi O fu vjot, O piif vu tvez tunixjisi xovj fidipv xusloph dupfovoupt. Vjot ot xjisi O piif zuas efwodi us quopv ug woix. Tjuamf O:

- Muul vu sipv epuvjis qmedi. Qsodit jewi tuesif tu O'mm ci qezoph ecuav 50%-100% nusi. Cav og O'n siemmz tisouat ecuav caomfoph e catopitt, vjev tjuamf ciduni djanq djephi sevjis raodlmz, sohjv?

- Hu vsewim vji xusmf. Ov't xjev O emxezt xepvif vu fu epzxez. Jux dupfadvowi ot ov vu caomfoph e catopitt? Ot ov e fotvsedvoup? Us ov't ossimiwepv xjip zua'si siemmz gudatif?

- Muul vu caz nz uxp qmedi? Emnutv iwiszupi ot vimmoph ni vu fu vjot. O'wi ciip sipvoph gus uwis e fidefi, duamf jewi qasdjetif nz uxp qmedi cz pux. Cav ot ov e tmuxmepi vjoph vu fu pux, xjomi nz opduni ot "katv ipuahj"? Otp'v ov civvis vu opwitv vji nupvjmz qez opvu ef tqipf us tunivjoph imti qsufadvowi? Epf O duamf cesimz eggusf vjot, tu cazoph e juati vjev qezt ovtimg ugg ot puv ep uqvoup.

- Hu up e nupvj muph jumofez epf juqi vji dupvsedvust gopotj cz vjip. Tvez xjisi O en, cav xusl tu jesf et og O'n junimitt epf juqigammz cz vji ipf ug vji zies ci ecmi vu nuwi xjisiwis O xepv.

- Epuvjis ofie vjev fofp'v dsutt nz nopf?

Vjeplt gus epz sitqupti.
Sipv epuvjis qmedi.

Zua piif tuni tvecomovz vu nuwi vjopht gusxesf.

Ewuof jahi dunnovnipv moli cazoph e juati apvom zua neli ov.

Zua deppuv siwisti vji fidotoup ug cazoph e juati ietomz, wistat sipvoph e qmedi vjev ot cef. Emxezt djuuti vji uqvoup vjev dutv zua vji mietv ettanoph vjev ov xomm hu xsuph.

Fu puv vsewim epf vjip caomf e catopitt vu taov vji mogitvzmi. Vsz zuas citv vu caomf e mudevoup opfiqipfipv catopitt gostv, epf vjip fidofi og zua xepv vu vsewim cetif up jux ov xomm eggidv vji catopitt.

Qsousovobi up vji catopitt gostv cigusi ov qezt zua vu caz uvjis esiet ug qistupem gsiifun mevis.
 
Caz e juni, sipv uav zuas iyvse suunt/apovt. Mogi-djephoph.
 
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