So You Want Out Of Debt? 6 Things You (Actually) Need
Living debt-free isn’t always easy, especially when the world tells us more is better. But by focusing on essentials, living debt-free becomes possible — and freeing.
Beware of Convenience
First off, it likely won’t be easy. When you’re on the way to debt-free living, it’s easy to get caught up in the “I need that” mentality. People will suggest things to make life easier, and sometimes, you’ll think, “That would be nice.” And honestly, I get it — I want the porch, especially to make getting in and out of the RV easier with the kids. It would be convenient. But here’s the truth: I don’t need it. There’s a big difference between needing and wanting.
Focus on What Truly Matters
When it comes down to it, the basics are what truly matter: water, food, shelter, warmth, and community. Focusing on these essentials doesn’t mean giving up a good life. Sure, some things might be inconvenient for a while, but that won’t last forever. What it does mean is living freely — without the burden of debt.
1. Water: The First Step to Freedom
Having access to water is a non-negotiable need, but here’s the thing — you don’t need to be dependent on city bills to get it. If you’re lucky enough to have clean water flowing into your home, that’s great! But if not, there are alternatives. You can get a well with a solar pump. Sure, it’s an investment, but once it’s in, you’ll have a reliable, cost-free water source for years to come. Or, if you want a more affordable option, you can use a hand pump. It might take some muscle, but imagine the freedom of knowing you have fresh, reliable water without a monthly payment. The beauty of these solutions is that they give you control. And that, my friend, is exactly what debt freedom is all about.
2. Food: Nature’s Bounty is Yours
You don’t need to shop at the grocery store for everything. You can grow your own food, hunt, and live off the land in a way that’s not only healthier but cheaper. Growing your own garden, hunting for your own meat — it’s a powerful way to live sustainably and reduce reliance on outside sources. People did this for generations, and you can too.
When you take control of your food, you get to decide what goes into it. No hidden ingredients, no preservatives. Just fresh, whole foods. And let me tell you, there’s something incredibly fulfilling about watching your garden grow and knowing that you’re providing for your family with your own hands.
And while we might not always have strawberries in the middle of winter or pineapples from the tropics, what we do have is enough. The basics — simple, seasonal food — is all you need to thrive. You don’t need to fill your pantry with every exotic item from around the world. Nature gives us exactly what we need, when we need it.
3. Shelter: Safe and Simple
Your shelter doesn’t have to be big or fancy. It just needs to provide the essentials — a place to rest and protect you from the elements. It doesn’t have to come with a 30-year mortgage or a huge monthly bill. What matters is that it’s safe, secure, and comfortable enough for you to live your life.
And don’t forget: you can cook outside. You can do your laundry outside. Sure, it’s not glamorous, but neither is a lifetime of mortgage payments. A simple shelter — whether it’s an RV, a tiny house, or a cabin — can meet your needs without tying you down with debt. It’s about simplicity, freedom, and the peace that comes with knowing that your space is enough.
4. Warmth: Staying Cozy Without the Cost
When winter hits, warmth is essential. But that doesn’t mean you have to rely on expensive electric heating systems or high utility bills. A good wood stove can be incredibly efficient, and it puts you in control of your heating. Plus, wool and fur are great insulators, and they’ll keep you warm on even the coldest nights. As someone who lives in a fifth wheel, I can tell you that a wool blanket makes a huge difference in how warm I stay at night.
These simple, natural solutions may take a little more effort, but the payoff is worth it. You’re not just staying warm — you’re building a life that’s independent, debt-free, and grounded in what really matters.
5. Community: The Missing Piece
While the basics are the foundation, don’t forget that building a support system is also part of the equation. Whether it’s connecting with neighbors, family, or like-minded individuals who share your values, having a community can make your journey more rewarding. You don’t need to walk this path alone. Sharing experiences, resources, and support can help you stay motivated, and remind you that living simply is not just about the things you have — it’s about the people you surround yourself with.
In today’s world, it’s easy to feel isolated, especially in the hustle and bustle of city life. People don’t communicate or barter like they used to. I grew up in a city where every summer, instead of going outside and meeting new people, kids stayed inside playing video games. There was little interaction, and honestly, it made the summers feel pretty depressing. People were locked away in their homes, disconnected from one another.
Living simply and getting out of debt doesn’t mean you have to cut yourself off from the world, though. In fact, forming real connections and helping each other out can be incredibly fulfilling. In many ways, it can remind us of the old ways — the days when neighbors would share what they had, when communities supported each other through hard times, and when you could count on a helping hand when you needed it. That’s the beauty of living simply: not just the material freedom, but the human connection that reminds you we’re all in this together.
6. Working To Live
Let’s address the obvious — yes, you’ll still have bills. Even after paying off your debts and owning your land, car, or home, there will always be expenses. It’s like canceling a subscription, but somehow it keeps charging you — taxes, insurance, and maintenance just won’t take the hint. I could go on about how we fell into that trap, but that’s a story for another time.
Sell your garden produce. Raise and sell eggs — they’re in high demand. If you enjoy crafting, turn it into a small business. The goal isn’t to avoid working; it’s about creating a lifestyle where you work to live, not live to work — where your work serves your life, not the other way around.
And if you love your full-time job? Great! Just make sure it aligns with your values and doesn’t pull you into unnecessary spending.
Final Thoughts
There will be moments when a bigger house or extra space feels like it would make life easier. And maybe it would. But the real question is: Do I need it, or do I just want it? If it doesn’t fall within these six essentials, chances are — it’s a want. That pricey red dress or the daily latte? Definitely not a need.
When you choose the basics over the extras, you’re choosing freedom. You’re saying no to the constant pressure to upgrade, expand, or “keep up.” Every time you make that choice, you’re building a life that’s truly yours — one without the weight of unnecessary expenses.
True peace comes from knowing you’re building a life that’s sustainable, debt-free, and entirely your own. Focusing on the essentials doesn’t limit you — it frees you.
