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View Poll Results: Which describes your living circumstances?
I live by myself and pay no rent or mortgage P&I. 23 13.45%
I live by myself and do pay rent or mortgage P&I. 16 9.36%
I live with someone else and we pay no rent or mortgage P&I. 72 42.11%
I live with someone else and we do pay rent or mortgage P&I. 57 33.33%
I find the above choices unclear, or I just don't fit in these categories. 3 1.75%
Voters: 171. You may not vote on this poll

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Old 11-01-2008, 02:13 PM   #21
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DW and I, along with 2 cats, live in a house that still has a mortgage.
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Old 11-01-2008, 02:13 PM   #22
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Two of us, dog is dead and kids are grown up and far away on their own. Mortgage of about $100K @ 4.625% interest. Won't pay that one off early unless we decide to sell and move.
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Old 11-01-2008, 08:32 PM   #23
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We paid off our house in 2000. 6 cats (had 8-lost two this year) no kids.
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Old 11-01-2008, 08:44 PM   #24
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Two people living in a paid for house . I have not had a mortgage since 1995 .
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Old 11-01-2008, 09:06 PM   #25
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Just me and the dog in a paid for house.
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Old 11-01-2008, 09:13 PM   #26
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DW and myself, $102k mortgage. The house is presently for sale. We're planning to rent while we decide on retirement location.
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Old 11-01-2008, 09:42 PM   #27
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Old 11-02-2008, 01:24 AM   #28
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DW, DD, and me in a megacorp leased apt on assignment in asia. First home paid off at 33, and we still have it 14 years later, second home built/finished 3 years ago, built as cash became available...didn't want a mortgage. DD has 7 months left in high school, then off to college in August, when it will be DW and me. Couple years to FIRE, we think.

Oh, no dogs or cats for now. DW wants a Shiba-inu dog, I want a Golden, we'll choose one or the other, when we return to the US.

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Old 11-02-2008, 02:54 AM   #29
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2 people, no pets, house paid off in 1999
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Old 11-02-2008, 06:36 AM   #30
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Two peeps, 5 dogs and 5 cats, paid for house.
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Old 11-02-2008, 06:48 AM   #31
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2 adults, 2 kids (1 teenager, 1 younger), some pets in a house with a mortgage.

Where are all the other folks with young kids?
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Old 11-02-2008, 07:34 AM   #32
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Two people living in a paid for house.
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Old 11-02-2008, 07:56 AM   #33
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So far, about 29% live alone and 69% do not. Slightly over half of each group live in a paid off home.

So, over two thirds of us live in situations where possibly more than one household member could have some source of income, and where expenditures often may reflect the needs of more than one person. Of course, these factors are not 100% related to living arrangements but I think this poll gives us a sense of our general situations.

I also find it interesting that those who live with others are no more likely to live in a paid off home, than those who live alone. You'd think it would be easiest to pay off a house when living alone.

Only 17.48% are living alone with no mortgage! No wonder people think that nobody can live on less than $20K without horrendous deprivation. Most are supporting a mortgage and other human beings, and probably have to consider feeding and clothing the other household members out of the household budget.

I probably should have considered the dogs, cats, and other pets, too. One of the reasons I don't have a pet (other than insufficient time to devote to one) is that the expenses such as vet bills can be pretty stiff.
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Old 11-02-2008, 08:27 AM   #34
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Two adults (?). House is completely paid off (as of two years ago). No pets, kids are out of the house. Mortgage payment was $361, so the house being paid off was not such a big financial deal. The monthly utility bills were often more costly than the mortage.
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Old 11-02-2008, 10:25 AM   #35
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Wife and I, her two cats and one dog; my dog.
4.5 % mtg will be paid in full in '10 upon retirement, barring more significant losses.
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Old 11-02-2008, 10:41 AM   #36
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My husband and I live in a house we bought for retirement in 2006. We have a very small fifteen year mortgage at a low interest rate. We have no plans to pay it off early.
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Old 11-02-2008, 10:46 AM   #37
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Did you listen to This American Life yesterday? A story was told about working in a medical examiner's office. Actually funny.
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Old 11-02-2008, 11:08 AM   #38
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DW, me, 2 teenagers 2 dogs & 2 cats - outside - 2 cats and a pot bellied pig in a paid for home- all the critters are "volunteers" - we live in an area that people dump their animals(yes, even the pig!)and convince themselves that they will be fine w/ all the water/plants/game - pretty sad.
These volunteers are the best animals I have ever had....
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Old 11-02-2008, 11:17 AM   #39
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Love the animation!!! I hate to break this to you, but dogs (and cats) really aren't people. Honest.
Explain that to most of the pets in households in the U.S.!
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Old 11-02-2008, 12:49 PM   #40
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Just me and DW in a paid-off house. We know the economics - she's a former bookkeeper/sort-of accountant, but love not owing anyone a thing.
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