consider doing an FPSF "Frost Protected Shallow Foundation" where you are
basically doing a flat slab but you place rigid insulation on teh outside
face of the foundation and then a foot or so below grade you lay more rigid
insulation in a horizontal position and extending out a few feet around the
entire perimeter of the foundation
An excellent design guide in pdf format:
Now that you got that off your chest do you have a real answer?
If I could afford an engineer I wouldn't be asking this here and since
buildings have been built for quite a long time before there were engineers
I expect that with the right input I can get by without one now.
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