On Paying Off My Mortgage

On Paying Off My Mortgage

Livingsmall Goal # 1 Done! House is paid off!

On Friday, I wired the last payment on my house.

I own my own house. No one can make me move, ever again, if I don’t want to. For someone who went to six grammar schools and moved pretty much every 2 years until I was 35, this is huge.

This has been the primary goal of LivingSmall since day one. I moved to Montana because it’s beautiful of course, but primarily I moved here because I could buy an inexpensive house. A house I could afford to pay off.

I did my masters degree at UC Davis, where I applied in large part to study with Gary Snyder. I’m not a poet, but I figured if Gary was there, something cool must be going on. Gary’s biggest advice to us budding writers was not about poetry, or even about writing. “Find a cheap house,” he said. “Someplace you can pay off. If it’s cheap and you want to live there, there’s probably also other artists there.” That’s what he did all those decades ago on the Yuba Ridge, and what I was looking for in Livingston was something similar.

So that’s what I did. I came up here in 2002, seeking a cheap house, and a found one in a town full of artists, and writers, and musicians, and fishing guides, and electricians and carpenters and schoolteachers.

I built a garden, and fixed things up bit by bit. I paid cash for everything I did on the house and while I’ll need a new roof next year, and I have to repaint some things, and while there are always things I want to do in the garden, I own my house, free and clear.

In the process I built a life. A life that as some of you who have followed me a long time know, was nearly derailed entirely the first year I was here. As I tell people when the story comes up, if you’re going to have a disaster, have it in Livingston. Everyone came. My kitchen filled up with people that first night, and they’re all still here. I’m still here. We are all here together. We’ve seen one another through other disasters. We’ve all brought food to the Elks club for funeral parties, but we’ve celebrated kids birthdays, and book launches, and year after year of rodeo parades.

It was not a mistake, my project of living small. There’s more big news to come, but for now, I’m going to take a moment in my back garden, where the beans are shooting above the trellis, where the sunflowers and hollyhocks are blooming great shoots of color into the sky, where the chickens I just deloused are clucking around in their coop while I wait for Himself to come home for dinner and a Red Sox game on TV. It is not the life I thought I wanted, but it is a better life than I ever could have envisioned.

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