Budgets All Around

I told you all I wasn't going to get too heavy into this resolution stuff in the new year because I don't want to take focus on my day to day operations that are already getting me somewhere. If I need to stop and re-assess, I shall do so as needed, not on January 1st ever year.

Well, I may be breaking my promise a little too early. I'm doing a budget. I've lived on budgets before and they've gotten me out of credit card debt and allowed me to live in Boston on $10.00 an hour as a temp (worst/best days of my life). Since getting and maintaining a full time job for the past 2 years or so, I've stopped budgeting myself and spending/saving off the cuff.

My improv financial life hasn't worked well. I spend too much and save way too little. I have some automatic accounts that collect money each paycheck, but I don't count my 401k as a true reflection of how smart I am financially at age 24.

I want to buy a house or a condo this year. I actually am planning on doing so by the end of the summer barring any life altering events. So, in order to prepare myself and make this happen, I am going to do a budget for myself like I did when I was below the poverty line. We'll see how this works. It may completely warp my view of what kind of life I am leading and how I should live and spend. It may convince me not to buy a home (I sure hope not). But, no matter what happens and what my conclusions are, I need to be honest with myself in 2009 and moving forward. I let the comfort of a steady paycheck make me lazy and sloppy.

Does anyone have any advice for budgeting? I'm going to try and sit down and do it for a couple hours tonight.

I Need A Small Plot of Land for Green Building

There are a lot of inspiring stories in circulation about innovative green building and land developments all over the country. Pick up a Dwell magazine and you'll see mind blowing contemporary designs in arid desert, lush Pacific forests and secluded Northeast cabin country. But, the whole idea of green building and sustainable design is to have it accessible to the most people possible so that the concepts actually reduce carbon use.

In Lawrence, MA, Powerhouse Enterprises erected an extremely green and energy efficient home. The health and beauty of the house is astonishing. It is being sold for $300,000, which considering the innovation involved, isn't a bad price.

But, I live in Worcester. Why can't these ideas and practices be proliferated to all regions? Shipping a green home long distances (my Lawrence example isn't far, but I'm talking more about somewhere like Arizona) defeats the purpose of building an energy efficient dwelling. All regions can get into something like this, I'm convinced.

What I want to do is get funding from who-knows-where and buy and develop a piece of land in Worcester with a green and cleanly built home. I don't care if I live in it, sell it, or whatever, but this is something I want to do for Worcester. Sustainable living in Worcester with green buildings being marketed and built could bring a new sense of vitality to the region. I love all the three deckers, but retro-fits and condo-conversions get old after a while.

The real estate bubble left a bad taste in everyone's mouth. This idea sounds simply delicious. This is sort of just a stream of conciousness business proposition. But, what do you think of this idea? I've seen something like this happen in Philly. Any suggestions, criticisms or comments?