Downsizing sounds like a failure–we didn’t live up to our dreams.
Maybe we need to see it a different way!
Every Wednesday here at To Love, Honor and Vacuum we talk marriage. This whole week has been about finances in marriage, and today I want to take a step back and ask: could downsizing help your marriage? Let’s give you some fodder to think about and share with your husband!
Look at that picture of that house.
Small, isn’t it? And yet the majority of North American families in the 1950s lived in something that looked pretty much like that. After World War II, we radically expanded the idea of home ownership. Instead of renting, people bought these little houses, and they, by and large, thrived in them.
Was it tight? You betcha. Often three bedrooms with four or five kids, so 2-3 kids would have to share a bedroom. Bunk beds became major furniture items. The living room was small, so people sat on the couch and the floor to watch TV. Kids did homework at the dining room table.
My husband grew up in a house like that: four boys, one bathroom, small kitchen, under 1000 square feet. And they survived just fine.
In fact, I’ve heard it said that the quality of sibling relationship is inversely proportional to the size of the house.
The smaller the house is, the closer kids turn out to be, because they have to play together!
I think that may be true for families as well. When we first had our children we lived in a tiny apartment in downtown Toronto. The kids would get grumpy if we stayed in that confined space too long, so everyday we’d do an errand: the library; a playgroup; the YMCA; the museum on free days. We didn’t spend money, but we got out of the house. And when we went out, the kids had my total attention. They used up a ton of energy. Then, when we got home, they’d play together better and leave me alone a bit more.
When we moved to Belleville and lived in a medium sized house, suddenly it was easy not to go out everyday. And I noticed we were missing something important. So we resumed our habits of daily outings.
We had a great life when we lived in a small apartment, and we were able to save in those days for a small house. But the most important thing, to me, was that we were together more.
What if you’re missing out on relationships and family time that you could have because you’re focused financially on the wrong thing?
Disposable income, you see, is directly related to expenses, and not just income. Lower the expenses, and a job is not as much of an issue. Increase the expenses, and you have to work–a lot.
Some of the thorniest reader questions that I get on this blog have to do with work. Someone’s working 60 hours a week at two different jobs, and someone else is working full time as well to pay off debt, and they have no time together and no time with their kids. Both of them work opposite shifts and have no time for sex. They’re in so much debt that they fight all the time and the kids are picking up on the tension.
Money problems can wreck marriage.
But money problems are largely the result of choices–choices that we make about what kind of life we want to live.
What if we could decide to live a smaller life? What if living small could actually help us to love much larger?
Let’s do a little thought experiment here to see what I mean. What was the quality of life like for people growing up in those tiny homes? Of course, so much depended on the family. But the size of the home was not necessarily bad because people adjusted. It was all they knew. Let’s also remember that in most parts of the world, far more people are squeezed into far smaller spaces than even that house represents. We are the strange ones, living with our huge homes. Our grandparents, in these small homes, were not strange. They were more the norm.
What did people do with less space? The kids played in the living room together, or in the basement. They didn’t hang out in their own rooms, away from their siblings. They went outside more since inside was cramped, and thus they got more exercise, even in the winter. They didn’t spend as much time on television, because families usually only had one, and sometimes Mom and Dad would want to watch their programs, and the kids had to scatter. They played board games together. They made Lego. They used their imagination.
And that was okay.
Do We Dream Big in the Wrong Way?
When you were 13, did you love bridal magazines? Did you stare at the pictures and imagine what your own wedding would be like? Many of us did. But many of us still do–we just replace the bridal magazines with Home & Garden, and we dream of a beautifully decorated, spacious home. We want to have “arrived”.
But what if that space and luxury comes at the expense of massive amounts of your time–or your husband’s time? And what if there’s another way to peace?
We can surely survive on less than we think, and yet at the same time society is lecturing us that we need more–and we’re believing it.
What if We All Collectively Decided, “Enough”!
Imagine how we could change the culture if we just said, “Enough!”. Enough credit card debt. Enough working round the clock to afford all the latest gadgets and the big cars. Enough stress from living beyond one’s means. Enough of both of you working opposite shifts and never seeing each other.
Perhaps you need two incomes, or shift work, to get you to the minimum that you can afford a house, even a small one. That’s okay, as long as you’ve prayed about and you’re trying to meet your family’s NEEDS, not WANTS. But many of us are on a treadmill trying to meet WANTS, and it doesn’t work.
The Benefits of Downsizing
The best thing some people could do is to sell their home and downsize. Buy a used car instead of a new one. Eat out less. Learn to save money on the big things, like electricity, insurance, utilities, car payments. And learn to save money on the small things, like groceries, eating, shopping. Many women basically “earn an income” by staying at home and putting a lot of time into saving money!
Is downsizing fun? It can be! Think of it like a challenge to make the money last.
Give up some extracurricular activities with the kids, but replace it with fun family time, where you play family board games or have parties every week. Stop going out for dinner and have people over more. All of these things are “fun”.
Our society cannot go on with so many living beyond their means. We are crushed in debt at every level–personal, state, federal. We have built a beautiful society, but it is built on sand. One day it will come crashing down, as it has already begun to. That’s why, when I was raising our kids, one of my biggest aims was to teach them how not to need a lot of stuff. And they both are the best thrift store shoppers and budgeters and planners that I know!
But let’s go beyond just saving money. Let’s ask: can you change your lifestyle so that you can actually enjoy life more?
- Can you downsize your house so you’re not as burdened by debt?
- Can you move to a cheaper neighbourhood?
- Can you move to a whole different city where the cost of living is much lower?
- Can you or your husband stop working an insane job and start a small business that you’ve always to?
- Can you drastically reduce your expenses so that you don’t need to do the shift work anymore?
Because it all comes down to this:
Can money be the vehicle that you help others with, instead of something you’re always desperately worried about?
For some it’s a hard switch, because you’re already living bare to the bone. For many of us, though, we just need to change our habits.
Tell me in the comments what you think. Have you ever downsized? Have you ever chosen to forego something big? What did it feel like? Let us know!
That house is small but super cute! I think that is part of the problem with downsizing though. People want the large houses because if come with some other benefits- the safe neighborhood, the good school system. Moving into a smaller house could also sacrifice that and some people aren’t willing to do that! I’ve never seen a super cute house as small as hat that wasn’t in a pricey neighborhood!
And they don’t make quality houses new that size nowadays. And for our family, we would not want an older, but more quality, smaller house, because my husband and I aren’t handy and would spend way too much money on home repairs because we’d have to hire out! I’ve seen first hand that while older houses are better quality overall, the maintenance can still rack up pretty quickly! (My in-laws have my mil’s grandmothers house that was built in the ’30s and there is always a project! Fortunately my fil is a mechanic so he can do a lot of projects himself!)
Yes, that’s definitely an issue! You know, I never thought about how they don’t make houses that size anymore. That’s strange, isn’t it? Don’t you think they should again?
Yes, they should! Of course, I’ve seen on HGTV the ‘tiny houses’ but never advertised in my state!
Also, forgot to add, our house is smaller (still a good size because we live in the Midwest) but the quality is just poor, in my opinion. There are a lot of projects left undone in the age of the house (20 years) because it just isn’t worth putting the money in in this neighborhood if you don’t plan on living here forever (which we don’t since my husband is a resident and will be moving this year). It’s a bit frustrating! So I guess I’m saying yes, people can love on less but there are other factors too! Schools, neighborhoods, quality of the house, etc.
We made the decision when we were first married that we would live on one income. We knew we wanted kids, and we knew we wanted me to stay home with them. In those two-income days, we took some nice vacations. 🙂
So now we have 4 kids, and I’m home full time. Yes, there are things we’ve had to sacrifice.
On the other hand, there are savings too. We’ve never paid for childcare. We’ve only ever had one vehicle. My wardrobe as an at-home mom (jeans and t-shirts, mostly) is a lot less expensive than it was as an office manager. I cook everything from scratch rather than buying prepared food or eating out, because I’m here and I have the time.
Having me at home has reduced our income, but at one point I did the math. With childcare for 2 not in school yet, and 2 who would need before-and-after school care, plus allowing for transportation to and from work (I assumed a monthly bus pass) and tithing, the amount I would need to earn (after tax) before we even started to make a profit? I couldn’t have gotten a job at that salary!!
I know! Often people are paying the whole second salary just for the opportunity to work! It really isn’t always worth it, even financially.
I agree w/ this, and think it’s such an important issue! Especially the part about moving neighborhoods or regions to live a lower cost of life. My cousins (who will never be able to afford a house, even w/ 2 income households and good work ethics) are flabbergasted to learn the cost of homes away from California. But they can’t bear to leave.
Laura makes a good point that older homes cost a great deal in upkeep, and you can’t buy smaller homes that are new-build. Not only upkeep, but they are more likely to have lead in the pipes, or serious mold issues, and very expensive to heat and cool at *all* due to insufficient insulation. When we moved states last, we moved from a 50 year old apt to one less than 10 yrs old, and even though we ran the ac daily rather than a few times a month, the bill was about 60-70% less for the same size apt.
The problem is that many townships or counties have enacted rules that new builds *must* be a certain size in order to generate a certain level of property tax revenue. 1800 sq ft in one friend’s case! We need to change this!
Little side note- if you homeschool/cyber-school, it doesn’t matter what your school district is rated. Move to a cheaper neighborhood. One of many reasons homeschool so freeing.
Oh, one benefit of older neighborhoods though – and no small one, IMO, is that since they are from the days of 1-car households, they are often highly walkable. They tend to have sidewalks! I lived in an older neighborhood when I was very young, and lived in one for a few years in my last state, and while there were higher bills or upkeep costs, they were highly walkable. We could safely walk to school, or the store, or the park, etc. It was wonderful, and I do miss that.
I never thought of that–but that’s so true! And what I’ve noticed in a newer subdivision right now, too, is that there are no mature trees. 🙁 We had gorgeous mature trees in our old house, in an older neighbourhood.
Wow, I didn’t know that about new rules about sizes of houses! That’s really ridiculous.
I still think buying a smaller older home first and then paying it off quickly is worth it in the long run, and then moving to a better home afterwards perhaps. But the ability to pay something off quickly is so worth it!
Oh, and I’ve never really understood people who don’t want to leave high-living-cost areas, when there are such lovely areas around the country that are cheap! I get wanting to stay close to family, of course. That’s rough. But it’s a big sacrifice to live in a high cost area.
It is not always practical to leave a higher cost area. I am living in an area that is higher cost because that is where my work is. Once retired, my wife and I will move to an area where the cost of living is around 35% less, but until then we are stuck here.
Yes, that is tough! I know, it depends on the job–some jobs need to be in a bigger city center. But I don’t think all of them do, and I think far more people could move if they set their minds to it! You know, last century we saw people leaving rural areas and moving to the city, but I wonder if with the internet and so many options for work if we’ll see the reverse in this century?
I absolutely agree. My job has a pension tied to it, or I would have already moved. But yes, with connectivity to the Internet, more jobs are available regardless of location.
yes I do too believe in down sizing now that me and my husband are married now. before we got married we stayed in an older neighborhood now we have upgraded to a bigger house and nicer area we went from having 2 cars to 1 and we went from paying 550 in rent to 1100 in rent so yes every since we have moved things have gotten a little tighter. At first my husband was the only one working now it has come to a point were I had to get a part time job to help out now that we have moved to this nice area I’m strongly considering us downsizing just to save more money and do more things with the kids and take more trips you enjoy life a little more instead of living pay check to pay check….
Hi Sheila, not sure if you got my comment on yesterdays post regarding this post https://tolovehonorandvacuum.com/2010/02/sex-after-porn-addiction-restoring-intimacy-marriage/ but if you could help me get in contact with Courtney, i would be forever grateful. I think it could help save my marriage.
I am totally with you! And it’s not just the money you save, bigger house= more stuff = more time and energy spent on cleaning, storing, organizing and maintaining. we live by choice in a relatively small house, and I am always decluttering and try to maintain a minimalist lifestyle… But recently I just really got mad at all the stuff because I felt like tidyng up junk is distracting me from my actual purpose and goals. Our most precious asset in life is time, I don’t want to spend it to try to earn more money, to get more stuff, to then have to deal with that stuff… I think this is what it really boils down to… Everything we choose to own is a reflection of what we choose to live like. Every single thing we own should reflect our life’s purpose, and we should aim to remove anything that distracts from it. I am in the process of figuring out what that looks like for me right now.
Love that!
YES! Thank you
When we were first married, we got a very modest apartment, had 2 full incomes but lived on one. Every spare cent we had went into savings. We eventually bought a house, and paid off our mortgage when we were in our early 30’s. Now, I’m at home with our kids so we have one income, but we still have extra because we have no mortgage. I’m drilling it into our kids to save their money – they have to put 1/2 of any cash they get into a high interest account. Even on tiny allowances and birthday money and pitiful interest rates, it still does add up.
What a GREAT story! That’s amazing. That’s what I always advise two income young people to do, but I’ve never known anyone who has actually done it!
I laughed when someone commented on having an older home built in the 30’s.
My husband and I have been house hunting. We like things built between 1780 and 1850. They are actually not small at all. They tend to be quite large. They spacious rooms and high ceilings. They are also very affordable. I fully intend to take out a 10 or 15 years mortgage at <50% of what the bank will offer us. The banks are ridiculous with the amount of money they will lend.
The thing is, my husband is super handy. We own 5 cars. 2 of them run reliably. The newest one is mine. It's 9 years old. He needs to have something to be tinkering with. I'm hoping buying a large, old house will direct his attention to improving the house and away from acquiring more junk cars and motorcycles :D. They're nothing that says you can't upgrade the insulation and put in solar panels and/ or a wood stove or geothermal heat pump. A lot of older homes already had their electric systems redone to comply with code and the windows replaced with double layer ones. The homes pre-1900 were built to function without AC and central heating. I actually thing they are more energy saving than the things built between 1930 and 1990-ish.
We are also mostly looking for jobs in rural areas. Obviously we don't know what we'll get. But rural areas with farm co-ops and readily available game will help with groceries.
The question of neighbourhoods is still unsettled. We'd like to avoid a HOA, but I'm not willing to stay in a sketchy neighbourhood. If my husband wants to stay out in the country with a bad school system, I win the homeschooling controversy by default. So that works for me.
That’s a good way at looking at homeschooling! 🙂 We almost bought a house build in 1810 once. It was GORGEOUS. So many neat hidden cupboards and little landings to put a chair on. Really interesting architecture. And it had been upgraded a ton, too. But in the end we just decided it was too expensive for our first house. I hope you find a good neighbourhood!
You are blessed to have the luxury of choosing what home you want and where. My in-laws live in their ’30s home because it was given to them when they were young parents and had 3 small children and no college education (ie small income). They also love it and try to keep it as original as possible since it was my mil’s grandmothers home. That means- 1 bathroom (with no shower because that would ruin the original tile) and the AC put in later is terrible upstairs and not cheap to run. It is a very large and beautiful home and a bathroom at the time it was built was a luxury. However, 2 years ago they had to fix foundation issues at over $20,000. So I would be seriously carefully about buying such an old, large house. They have been wise with their finances and budget accordingly but not so many people would be able to afford or have the time/money to hire out fixes like that.
Also, their neighborhood was nice at one time, when it was first built, but has been transitioning for the last 5 years or so. The school system is also bad, which they sent my husband and his siblings to private school since online options weren’t available back then and my mil did not feel comfortable in her abilities to homeschool.
We almost did buy a home 3 years ago, before we were married for $85 K. We knew about the roof issues and it needed to be re-sided. But we figured it was so cheap (for a house) that we could do it. But the inspection found serious foundation issues as well. The bank would not let us have a loan at all. We would have had to pick up the house and re-do the entire foundation (originally it had corner stones, and someone decided it was a good idea to take one of them out…)
We’ve found a lovely farmhouse that we would have loved to get too. It was just too out of the way. And it was next to a railroad and across the valley from a paper plant.
We’re still looking for permanent employment for my husband. Getting a mortgage on the salaries of a graduate student and an adjunct professor is not something we’re comfortable with. So we’re renting a small apartment and saving everything we can.
As for home schooling. Most people seem to have reservations about science and math. We’ll both the PhD’s in chemistry soon. And there’s so many awesome things on Pinterest. So even if you have gaps, between all the curricula and the awesome homeschooling mom’s of Pinterest, you should be able to get along nicely 🙂 But he’s not in favour of homeschooling at present. We’ll have to see how it works out.
One of the things with houses (my husband was in real estate for 11 years) is that many of us are using real estate as our retirement. IE buying at one price and in a little while selling for a better price and doing this over and over and also buying some properties to rent out. Rent is 400 dollars more than mortgages in our area and many others across the country. We don’t trust that 401K or SS money will be there when we retire in 35 years and real estate will always be yours if paid for.
I totally get that fear! We’re looking at investing in real estate, too. But I still think it’s better to buy smaller and work your way up than to start with something really big that can land you in a pile of trouble if something happens!
Oh yeah! Totally! And just because you’re approved at the bank for $200,000 doesn’t mean you can actually make that payment! They judge on GROSS income instead of NET income so beware!! It’s so dumb.
The tiny house movement actually is all about that! If I were 10 years younger and didn’t have a small child, I might consider building my own tiny custom trailer. I grew up in a small home – about 1000 sq ft – and we were a family of six. My siblings and I are very close BUT I think that has more to do with surviving an alcoholic home together. That said, I think anything, no matter the actual square footage, that fits safely with your budget is the secret. People living beyond their means can happen in any size house, honestly!
Absolutely! And I think “living beyond your means” really changes the family dynamic and adds such a layer of stress to kids’ lives, even if parents don’t intend it. I think kids will naturally get along better when that family stress is just not there–regardless of the size of the house, too. 🙂
I’m sitting in my RV right now. My husband and I are in it for about 3-4 months a year, and honestly–when we’re here I don’t miss my house. It’s only 24′ long and it has no pull outs, so it’s honestly just the bare necessities. But it’s amazing how much I DON’T miss! I love going into Ikea stores and touring their display home set ups for homes that are under 600 square feet. They’re so lovely!
So you know you are singing our tune and had to say THANK YOU and WELL DONE! Agree on all counts! Not shocking, right?
I’ll be sharing this with our readers.
Thanks again for all you do!
Sending love from sunny AZ!!!
Thanks, Sherry! We’re driving through Arizona next week! But I think we have to boot it to get to Texas or I’d love to stop in and say hi!
We live in a 2 bedroom, 1 bathroom cottage under 900 square feet…all 6 of us. We gave the boys the master bedroom and hubby and I took the tiny 2nd bedroom (I have friends with closets bigger than my bedroom.) It only fits a full size bed and some shelving and a lingerie chest. Our daughter has a little bedroom in the enclosed porch. She loves it!
It is a challenge and I would love just one more bedroom and a second bathroom, but I don’t see us able to move. Plus, this will be a perfect house for us when the kids move out, which will happen in a blink of an eye, I am sure.
I think we are here to stay.
I always felt that way too and really liked our small home. We have five kids now though and doubled our square footage a couple years ago and I do not regret it. The problem for me is that the kids are not free to run around outside. We live in the suburban neighborhood and I’m not chancing CPS with my six and eight-year-old going to the park alone. Kids used to wander the neighborhood by themselves and now my kids spend most of their time inside or in our fenced in backyard which is not huge. I would go back to a smaller house if we had a lot of outside land or if we went back to the 50s when people thought kids should run around.
My father-in-law recently gave me a great piece of advice: Whatever size home you end up buying, you will end up filling up! So buying a smaller home, you’ll automatically have less stuff, because there just won’t be room to add more!
My husband and I are currently apartment living, but our dream is to buy land and build a yurt! Have you seen them? It’s a pretty cool concept, like the tiny house movement, and really cost-efficient! Even a large one would be about the cost of a nice new car, and you can save a lot on energy, etc. in the long run!
Absolutely agree! I’m a Professional Organiser in the UK and here we have a vast range of house types and sizes. People buy a bigger house to fit their possessions in and think they need a different room for every activity! Then you just end up spending all your time working or at home in different rooms on the internet looking for new gadgets to fill your space. If we valued time and people more then we wouldn’t be trapped in this vicious consumerist cycle. If a family genuinely NEEDS to work a lot to afford the basics, that’s tough but necessary, what I feel so sad about is the many families who have conned themselves into thinking they need to work for the money but actually they have everything the wrong way round:(
Ps. Hubby and I live on his wage alone so we can pay off (and over-pay)our mortgage hopefully by the time we’re 40.
My husband and I and our 16 year old son downsized to a smaller home a year and a half ago. We have more time together, less debt, less expenses and can travel more.
Just before Christmas ? this year we took our son, 3 grandkids and our daughter and son in law on a cruise.
We purged a lot of “stuff” when we moved. So wonderful to have less and experience more.
We recently downsized and still are adjusting after several months…from a 9 room house to a 2 BR apartment. We are empty nester’s. I think downsizing is truly freedom. The hard part was actually doing the downsizing and getting rid of lots of stuff. But I am finding I hardly miss a thing. And I thoroughly enjoy the feeling of just not being burdened by stuff! I’m glad I got to experience having the larger house. But in the final analysis, I don’t miss it at all.
We downsized a year ago. We realize we were using our home to store stuff we didn’t need. It has been a difficult process to go through all of our things and purge. We still have things to go through in the basement and garage. And that clutter still weighs on me. We do not regret moving. Even my teenage boys agree it is better. We live closer to everything and save money on gas. We have no mortgage, but have a line of credit so we can fix what needs to be fixed. Even with new windows and a remodeled kitchen, we are saving money each month. It is fun to dream of how we can make this place suit our needs even if it means another project.
Thank you Sheila for this post. I have been hearing the Lord speak to me in this area for a while now. We currently live in a 900 Sq foot house with 3 little ones. Frankly, we often feel very squished, constantly tripping over each other. I’ve complained many times in the past and wished for a bigger place or at least something laid out better. But I’ve been realizing over the past year or so it’s really okay. I am learning to be content with the space I have. Thank you for addressing this.
I’m so glad this spoke to you today!
After living in the states for 10 years my hubby and I came home to Australia to live. Our 3 adult children and various grandchildren have followed over the past 7 years. 6 months ago our oldest daughter (last to return to OZ) her husband and 3 children under 4 have arrived after she’d lived in the states for 17 years. They were only able to bring suitcases with them. They needed to sell all other belongings, car and house. They were leaving jobs, not having any prospects of employment here and had to rehome their pets. When they told us they would be coming back we decided to renovate our house so that they could have their own space to be a family and rebuild their lives. So we built a 1 bedroom granny flat with a small kitchen and bathroom – for us (the grandparents) to live in downstairs. It’s been an awesome experience for us all. They have built in babysitters, we share dinner together most nights – we do try and give them extra space on weekends, so hubby and I usually have a date night, dinner and a movie. We are able to help with kindy pick up and drop offs, there are more adults to juggle the kids when we go out. We have to be understanding when they don’t always to things the way we did, but that’s a good growth experience for us. I’ve said all that to say, we’ve moved countries several times and only taken suitcases. The last move my hubby and I only bought 1 suitcase each back to Australia. Then we filled a 3 bedroom house then we walked out of that house with our clothes and a few other things we love and moved downstairs to a 1 bedroom house. It is just right for us at this stage of life. We both still work full time and it’s so freeing to not have to spend the whole weekend cleaning and dusting. I understand not everyone can do this but I’ve come to realise how much stuff I DON’T need to be happy. I love my freedom to spend the afternoon at the local swimming pool more than I love stuff.
What a great story! I think that’s how families were meant to live–closer to each other. I love having my mom live with me, and when she downsized, she was amazed at how she doesn’t actually miss the stuff she used to have!
I agree. We live in a townhouse-3 bedroom, 3 kids, and we can make it work, but I just wish for a yard for my kids to play in! We have a postage-stamp size yard. I take them out for errands and playgrounds, but I just wish I could send them outside to play without me. In the 50s, my mom ran all over town without supervision. Not possible today in most places!
And another thing I’ve noticed is that they’re not building as many city parks anymore! We live in a HUGE subdivision–not one park. It’s really weird, you know? I think having no yard is doable if there’s at least a park nearby.
Insulating can cut the cost of heating and cooling by over 40%. Insulating the ceiling of a house has the potential to save 20-30% on heating and cooling bills. Heating and air conditioning units don’t have to run as hard or as long to achieve the desired temperature in the building.
You are so right! brought back the memories of my childhood, when we lived in smaller house, I think that laid down the basis of strong relationship I have with my brother till now. Now I realizing by staying close, sharing a room, fighting and playing with each other actually brought us this close. Yes downsizing is good but best done out of choice and not compulsion.
My husband and I have been empty nesters for about 15 years…we had 3 children and lived in a 4 bedroom house that had issues because my husband was not handy with repairs. When it came time to for retirement, I talked him into moving into a rented townhouse and we had someone come in and renovate. So we could sell it. It was such a relief not to worry about appliances that break down and property taxes. We have lived the American dream and let it go. By downsizing…all of our expenses have been decreased…when we travel we don’t worry about having someone look in on the house. It is wonderful…no regrets.