CitySteading™️
Posted: Fri Oct 04, 2019 11:12 pm
I want to take the popular idea of home-steading and turn it on its head.
In home-steading, the aim is to live as independently and self-sufficiently as possible, typically in a more rural or suburban setting.
In city-steading, the aim is to live as independently and self-sufficiently as possible in a highly urban or semi-urban setting.
I think that, contrary to some popular opinions, there are many ways to live more independently and intelligently in the city, minimising your costs and maximising financial stability and quality of life. I want to start exploring this idea, perhaps eventually even build my own website or community around the idea (if someone else doesn't beat me to it!).
The case for cities
Cities form a large part of the future of human beings, to the extent that there is a future. Cities enable efficiencies of scale in production and consumption. Cities have infrastructure that makes them resilient to extreme weather events, political changes, shortages of commodities. Even in the event of a nuclear strike, as what happened in Hiroshima and Nagasaki, cities recover and are rebuilt (as both of those cities were).
Urbanisation is a long-term trend in human evolution. We started off as small, dispersed, disconnected tribes. Everyone knew everyone else in their tribe and tribes knew little to nothing about other tribes, or at least those outside their immediate geographic vicinity. We have only been moving in the direction of clumping together into bigger tribes, being more connected and integrated and living in closer proximity to other humans.
Independence and dependence
I don't view independence vs dependence as a monolithic and mutually exclusive dualism.
As a programmer, I am daily dealing with systems that feature dependencies and independencies. One of the post powerful principles I apply to this problem is 'cohesion over coupling'. This simply means that we put those things together which benefit from being together and keep those things apart which benefit from being kept apart.
In a city, there are things that I prefer to depend on others for. This is because I think others can do those things better than I can (specialisation of labor, efficiencies of scale and other differentiators).
Some examples where I think I benefit from dependence:
Police & law courts. I don't want to carry a heavy firearm with me. I'd rather live in a stable society in which people don't attack eachother and police contribute to enforcing that. I want to be able to make contracts with a degree of certainty that they will be enforced. A legal system that protects property helps with this.
Basic groceries. I'll never be as efficient and effective at growing food as large farms will be, even taking into account the cost of transporting the food to the city. I'm happy to rely on supermarkets for basic food items.
Investment decisions. I'm not a professional investor of any kind. I don't have a deep knowledge of markets built up over decades of focussed, intelligent effort. I prefer to delegate my choice of investments to an index fund or a good active fund. Those mechanisms are likely to yield better results than investing on my own.
On the other hand, there are plenty of things I don't want to have to depend on others for. I am in a better position to make decisions than others. Also, others may not have an incentive to make choices that are in my interests.
Some examples where I think I benefit from independence:
Diet. There have been a lot of overhyped fads in diet over the ages - paleo, low-fat, etc. etc. There seems to be very little incentive (financial or otherwise) for businesses to promote a healthy diet. I've invested a significant amount of time self-educating on diet, as well as experimenting with what foods work well with my digestion, what tastes good, etc. This is an area where I think I can make much better choices on my own, rather than relying on what's marketed to me by business interests.
Location. For many reasons, specific locations seem to matter less and less these days. Work opportunities are spread out fairly evenly among the major cities, so I don't have to live in a specific location in order to find work. Language isn't a barrier - most of the world cities speak one common language (English, Mandarin, etc). Family and friends can be contacted over the phone or video chat, and cheap flights, trains, buses, etc, make it not hard to take holidays or weekends to visit them. The same basic food items are available in all cities. All cities have hospitals, etc. Basically, city environments have become more and more homogeneous with regards to living necessities. This means that I can only benefit from being location-independent. The more flexible I can become, with regards to location, the more easily I can move to take advantage of low rents, living closer to work, moving to more pleasant areas of the city, etc.
Employment. The days of the 'company man/woman' seem to be long gone. Unless you're entrepeneurial or work in a unique business context, a lot of time, there's little benefit to staying with one employer for life. The downside is some temporary turbulence, akin to stock market ups and downs. The upside is greater choice, variety, flexibility and opportunity. It's easier to find work that matches the kind of lifestyle you want to live. If you have a particular passion, you can find work that is related to that passion. If you just want an easy job where you can 'zone out' and live your life outside of work, those seem to exist also, from gig economy work to lifestyle businesses.
Finances. Though I delegate long-term investment decisions to market actors, I do want to be in control of my cash-flow and financial decisions. I want to invest 50-75% of my income while I'm working. I want to live a low-cost lifestyle. I want to be able to maintain an income while I'm out of work. All of these goals are best achieved when I am in control of my spending and saving.
City 'user experience'
My interest in city-scaping goes far beyond optimisation and financial independence.
I'm interested in optimising the 'user experience' of city living for myself and others.
This is somewhat subjective, as different people desire different experiences. However I think some tools and tactics can be broadly applicable.
Some themes that come to mind:
Walking/Transit/Movement How do we make moving through the city a pleasant, even delightful, experience? I've improved this by finding nice walking and jogging routes that take me through pleasant parts of the city while keeping fit and avoiding pollution. Also, having a small light backpack with only the things I need, also makes for a comfortable, convenient and low-cost day trip.
Fitness Where can you work out? Where are the cheap work out areas? Are some gyms nicer than others? Can you make money while keeping fit, e.g. dog walking?
Data. How do you find cheap WiFi? What are the cheapest data plans/packs? How do you download content to save on data?
Food. How eat food that tastes good, is healthy, is cheap, is convenient and is available to you when you need it? I don't want to eat expensive, unhealthy fast-food. But I also don't want to carry around a portable stove and propane canister and fry eggs on the footpath in front of pedestrians. So what are some intelligent ways to optimise the eating experience while living in a city? My 'two bags strategy' is a recent effort to solve some of the above problems.
-----
So there you have it - my first stab at optimising extreme saving in a city living context!
In home-steading, the aim is to live as independently and self-sufficiently as possible, typically in a more rural or suburban setting.
In city-steading, the aim is to live as independently and self-sufficiently as possible in a highly urban or semi-urban setting.
I think that, contrary to some popular opinions, there are many ways to live more independently and intelligently in the city, minimising your costs and maximising financial stability and quality of life. I want to start exploring this idea, perhaps eventually even build my own website or community around the idea (if someone else doesn't beat me to it!).
The case for cities
Cities form a large part of the future of human beings, to the extent that there is a future. Cities enable efficiencies of scale in production and consumption. Cities have infrastructure that makes them resilient to extreme weather events, political changes, shortages of commodities. Even in the event of a nuclear strike, as what happened in Hiroshima and Nagasaki, cities recover and are rebuilt (as both of those cities were).
Urbanisation is a long-term trend in human evolution. We started off as small, dispersed, disconnected tribes. Everyone knew everyone else in their tribe and tribes knew little to nothing about other tribes, or at least those outside their immediate geographic vicinity. We have only been moving in the direction of clumping together into bigger tribes, being more connected and integrated and living in closer proximity to other humans.
Independence and dependence
I don't view independence vs dependence as a monolithic and mutually exclusive dualism.
As a programmer, I am daily dealing with systems that feature dependencies and independencies. One of the post powerful principles I apply to this problem is 'cohesion over coupling'. This simply means that we put those things together which benefit from being together and keep those things apart which benefit from being kept apart.
In a city, there are things that I prefer to depend on others for. This is because I think others can do those things better than I can (specialisation of labor, efficiencies of scale and other differentiators).
Some examples where I think I benefit from dependence:
Police & law courts. I don't want to carry a heavy firearm with me. I'd rather live in a stable society in which people don't attack eachother and police contribute to enforcing that. I want to be able to make contracts with a degree of certainty that they will be enforced. A legal system that protects property helps with this.
Basic groceries. I'll never be as efficient and effective at growing food as large farms will be, even taking into account the cost of transporting the food to the city. I'm happy to rely on supermarkets for basic food items.
Investment decisions. I'm not a professional investor of any kind. I don't have a deep knowledge of markets built up over decades of focussed, intelligent effort. I prefer to delegate my choice of investments to an index fund or a good active fund. Those mechanisms are likely to yield better results than investing on my own.
On the other hand, there are plenty of things I don't want to have to depend on others for. I am in a better position to make decisions than others. Also, others may not have an incentive to make choices that are in my interests.
Some examples where I think I benefit from independence:
Diet. There have been a lot of overhyped fads in diet over the ages - paleo, low-fat, etc. etc. There seems to be very little incentive (financial or otherwise) for businesses to promote a healthy diet. I've invested a significant amount of time self-educating on diet, as well as experimenting with what foods work well with my digestion, what tastes good, etc. This is an area where I think I can make much better choices on my own, rather than relying on what's marketed to me by business interests.
Location. For many reasons, specific locations seem to matter less and less these days. Work opportunities are spread out fairly evenly among the major cities, so I don't have to live in a specific location in order to find work. Language isn't a barrier - most of the world cities speak one common language (English, Mandarin, etc). Family and friends can be contacted over the phone or video chat, and cheap flights, trains, buses, etc, make it not hard to take holidays or weekends to visit them. The same basic food items are available in all cities. All cities have hospitals, etc. Basically, city environments have become more and more homogeneous with regards to living necessities. This means that I can only benefit from being location-independent. The more flexible I can become, with regards to location, the more easily I can move to take advantage of low rents, living closer to work, moving to more pleasant areas of the city, etc.
Employment. The days of the 'company man/woman' seem to be long gone. Unless you're entrepeneurial or work in a unique business context, a lot of time, there's little benefit to staying with one employer for life. The downside is some temporary turbulence, akin to stock market ups and downs. The upside is greater choice, variety, flexibility and opportunity. It's easier to find work that matches the kind of lifestyle you want to live. If you have a particular passion, you can find work that is related to that passion. If you just want an easy job where you can 'zone out' and live your life outside of work, those seem to exist also, from gig economy work to lifestyle businesses.
Finances. Though I delegate long-term investment decisions to market actors, I do want to be in control of my cash-flow and financial decisions. I want to invest 50-75% of my income while I'm working. I want to live a low-cost lifestyle. I want to be able to maintain an income while I'm out of work. All of these goals are best achieved when I am in control of my spending and saving.
City 'user experience'
My interest in city-scaping goes far beyond optimisation and financial independence.
I'm interested in optimising the 'user experience' of city living for myself and others.
This is somewhat subjective, as different people desire different experiences. However I think some tools and tactics can be broadly applicable.
Some themes that come to mind:
Walking/Transit/Movement How do we make moving through the city a pleasant, even delightful, experience? I've improved this by finding nice walking and jogging routes that take me through pleasant parts of the city while keeping fit and avoiding pollution. Also, having a small light backpack with only the things I need, also makes for a comfortable, convenient and low-cost day trip.
Fitness Where can you work out? Where are the cheap work out areas? Are some gyms nicer than others? Can you make money while keeping fit, e.g. dog walking?
Data. How do you find cheap WiFi? What are the cheapest data plans/packs? How do you download content to save on data?
Food. How eat food that tastes good, is healthy, is cheap, is convenient and is available to you when you need it? I don't want to eat expensive, unhealthy fast-food. But I also don't want to carry around a portable stove and propane canister and fry eggs on the footpath in front of pedestrians. So what are some intelligent ways to optimise the eating experience while living in a city? My 'two bags strategy' is a recent effort to solve some of the above problems.
-----
So there you have it - my first stab at optimising extreme saving in a city living context!