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#or even similar items. and all thats different is their wedding date
bruhgender · 8 months
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it just occurred to me that middle class kids will never forget their parent's anniversary because they grow up with like. picture frames and cutting boards and christmas ornaments that have their parents wedding date custom-etched into them. And even if they do forget they won't ever have to go on a spy mission to find it out. source: every time I dogsit for a coworker I am literally surrounded by their wedding date
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sorenteenwrites · 5 years
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Just a thing
SSO OC Asks 
1. What is their home stable in-game? Why?
Mistfall, story wise it’s because the baroness (my character works for her) wanted to start up a vineyard in mistfall and sent my character to manage the day to day operations, but mostly it’s just because I like mistfall.
2. Where do they actually live in Jorvik?
They bought a farmhouse in mistfall after selling their place in silverglade
3. Who is their favorite NPC? (Obvs they wouldn’t be for our characters, but you know)
There are several, Rania, Avalon, Evergray, Ydris, the list goes on.
4. Who is their Soul Steed? What breed are they? Do they have any markings or look different in some way from the in-game appearance you could give them?
For now it’s the black Clydesdale, until they do Percherons. If they ever get around to Percherons its a Black mare with a small white blaze (My irl soulhorse) Mockingbird.
5. What is their favorite location? (Ex, Hollow Woods, Greendale, Silverglade Manor Library) Why?
Wooded areas in general, so mistfall and valedale mostly
6. Who’s their favorite horse? Why?
Assuming you mean npc horse it’s Meteor.
7. What are their powers? Are they stronger with one Circle over any of the others?
She’s not stronger in any circles, but her favorite is lightning. She gets, essentially, less powerful versions of the four soulriders powers. She heals faster and medicines she makes heal better but she can’t just heal with her hands, she gets premonitions rather then full visions, she can open portals in the right places and at the right times but it’s spotty at best, and finally she can electrify items if she’s holding them but she can’t shoot lightning from her hands.
8. What’s their usual style? Any favorite tack sets or color themes for them?
Western and dark brown/black for color
9. Thoughts about Jorvik City? How do they feel about Rania’s petition for a horse-friendly Jorvik City?
It’s big and noisy and crowded, she’s got anxiety so she hates going there. She thinks it may not be the best idea, considering all the cars and loud noises.
10. Thoughts about Justin? (I’m sorry, I’m curious, he shows up so much)
She likes him well enough, she feels bad about the part she played in his disappearance and turn to darkness. All she wants is to make it better but she doesn’t know how.
11. How do they feel about the magical horse race at the circus? Did they enjoy being a horse?
She likes it, but she’d rather be turned into a Hawk or a Lion
12. Do they trust the Druids? Or how do they feel about them?
She trusts specific druids, but not the organisation as a whole. She also thinks they take to long to decide things and that they are too cautious. Caution won’t win a war against the brazen.
13. Least favorite NPC?
Not including bad guys, uhh the bobcat girls probably?
14. How do they make their money?
She works for the Baroness makes wine, grows grapes. She gets a monthly paycheck for her work managing the Mistfall winery. She’s also looking to buy half the mistfall winery and become co-owner, since the Baroness doesn’t get down to the mistfall winery much it would work out much better that way.
15. How many horses do they own?
Quite a few, I’m not going to count.
16. How many pets do they have? What kind? What are their names?
None if you don’t include the horses.
17. How do they feel about the Soul Riders? Do they trust them? Feel like an outsider? Are they closer to some over the others?
She trusts the Souls Riders, loves them really. She’s finally starting to feel like she’s one of them. She’s pretty close with all of them considering she saved two of them, and has known Alex for a while now.
18. Do they believe something mystical, magical, or otherwise strange really exists in Dino Valley? How did they feel about the leaving of the Kallter and the roar/scream/screech in the Valley?
Yes, but she’s not sure what. That freeze ain’t natural. She’s really worried about the Kallter just leaving like that, but she’s got other stuff on her plate at the moment.
19. Thoughts about Jorvik Wild Horses?
She thinks they’re really cool, she feels like they and her are similar. Not of this world but not of Pandora either, caught in-between.
20. Do you think they are a Wild Whisperer? Or are they just bonded with their Soul Steed?
Wild Whisperer of course, since she’s good with the wild things, especially if those things have a learned distrust of humans.
21. What’s their favorite Jorvegian holiday or celebration?
The more Pagan/Nordic themed ones.
22. What do they think or feel about Pandoria? Have they or do they visit outside of the quests (using the rifts)? If they have or still do, why?
It’s neat cause it’s like somehow the opposite of earth. Like being in the ocean but with air instead of water. She doesn’t visit unless she has too cause it wouldn’t make sense story wise, but she’d love to visit more. She’s real curious about what the ocean life would be like. Maybe there would be trees and ferns and flowers in it, since the coral and sea animals are above the water.
23. How has their visit(s) to Pandoria affected them? Do they have scars? Has it affected any of their life views?
At first it doesn’t appear like they have, but she’s started to notice a slight glow coming from her old scars.
24. Would they ever consider working for Dark Core or believing their side?
No. Even if Dark Core was somehow trying to do something good she still hates what they’ve done to the earth and innocent people.
25. What or who is Garnok to them? A dark presence? A squid-like monster? A child with a ridiculously complicated jumping course (fuckin @’s Lizzy)?
Something unknowable. She wonders if it really cares about dark core, or if dark core really even knows what Garnok is themselves.
26. Do they ever go to the Disco? If they don’t, would they ever consider going? What would it take to make them go?
No, too many people, too loud.
27. Disco or Moorland Beach party?
Neither.
28. Are they interested in helping with archaeology or fishing?
Both, she enjoys both greatly because they don’t require too much contact with people. (I hate both because both suck at this very moment, make it fun sso!)
29. How do they feel about Igor, the waiter/manager of the Dino Valley cafe, and whom seemed interested in your horse for… “culinary reasons?”
She doesn’t trust him one bit. And he can stay far away from her horses. He can order her wine though, thats fine.
30. Do they like the perpetual winter of Dino Valley or the perpetual autumn/fall of Goldenhills Valley, or is it strange to them? Do they prefer one over the other, or neither?
She has mixed feelings about it. It’s not natural. But she enjoys visiting both when she feels like being in that season.
💋 how many partners do you have? One for now.
💘 do you feel like you chose to be polyamorous or do you feel like it’s who you are? I think it’s currently who I am, but it’s not like I’ve always known.
❤️ how many metamours (partners’ partners) do you have? None.
💔 what was the worst thing someone has said/done when they found out you were polyamorous? Nothing yet, I’ve only told two people.
💖 what was your best moment with each of your partners? My favorite moments are when we’re curled up on the bed just being silly. Playing games or laughing or talking.
💗 do you prefer to date people who are dating each other or not? Dating each other. I want a big happy poly puppy pile.
💙 what’s your best memory with a metamour? N/a
💚 how did you come to be in a polyamorous relationship/ identify as polyamorous? It started when I was reading L.K. Hamilton's Anita Blake series. It opened my eyes to a lot of stuff when I was younger, it’s how I realized I was Bi and Poly.
💛 what’s your favorite polyam pun? My memory is shit so, don’t got one.
🌻 does your polycule have any inside jokes? Don’t PUSH me and some others.
💜 do you think of polyamory as a sexuality? Kinda, yea.
❦ what was your worst polyam break up? Not had one yet thankfully.
💝 what’s your gender? Female
💞 what’s your sexuality? Bi
💟 do you think being polyam makes you LGBT? Only if the poly group is LGBT+ I guess? 
❣️ who’s the most stylish person in your polycule? No one, yet.
💌 how do your partners tell you they love you? By saying I love you generally but also in lots of small and big ways.
💍 have you ever had or do you ever want a wedding or commitment ceremony? Maybe, I’m on the fence about it really.
💐 what’s something you like about each of your metamours? Still don’t have any.
🌸 are you looking for more partners right now? Yes, I’m looking for a female (I want a girlfriend)
🌹 what’s your ideal number of partners? 4, two guys, two girls so it’s nice and even. But maybe I'd like more then that, idk.
🌺 would you ever want to live with both your partner and your metamour? Yes!
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pwebdevelop · 5 years
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baehkhun · 6 years
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How to Wear White In The Winter
First impressions count, so it is crucial that you not let yourself down by wearing a low quality suit for your job interview, networking meeting or wedding. However, purchasing a decent new suit may cost an arm plus a leg, but don't despair, you don't need to allow yourself to be restricted by your financial allowance. Instead of buying, you'll be able to rent a suit for a fraction with the price of a replacement whilst still being supply the impression you wish to resign yourself order get your dream job, make an impression on an important client or catch the eye of the bridesmaid at your best mate's wedding. Buying a decent suit may cost hundreds or even thousands of pounds as well as single events like weddings video terrible waste of greenbacks to wear it once and then have it relaxing in the wardrobe for good more. Everyone now has an opportunity to express his personal style through blogs like Tumblr and elegance websites like Lookbook. Photography and photo editing skills in addition have made styles more interesting to capture and share to others. If you want to express yourself in street-style fashion, here are several pointers you can at heart. If a trendy item you obtained back senior high school has stopped being in style or no longer fits, however you still love the information, convert the item into new things. Dresses and pants could be converted to skirts, t-shirts into cardigans and tops and bottoms combined into dresses. Start looking with the clothing you've as a free resource to make something new and fabulous. If you've got a bunch of old T-shirts, combine them with the addition of ruffles and color to your shirt.
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2) Bold Saturated Colors Reign
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themoneybuff-blog · 6 years
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Cost of living: Why you should choose a cheap place to live
Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
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Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
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Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
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In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/
0 notes
tumblunni · 7 years
Text
Huh! An Idea!
Hey I just heard about a very cool-seeming anime called (I think?) Rehibilitaion Of An MMO Junkie! It seems really nice cos its one of those stories about hikkomori (I think thats the japanese word for it?)- depressed people who stay at home all day and are socially anxious about going out in public. LOL RELATEABLE, AMIRITE? no but seriously beyond just Jokes, this is a very sad modern manifestation of a timeless mental illness, and i know these feelings well and i wish people could have less stigma about this and instead just give these people the help they need. And that’s why i love this anime concept, cos its a sympathetic take on one of these people as a protagonist, and how videogames as escapism can be A Good Thing and how long distance relationships Are Also Good. Like wtf, subverting all the cliches at once?? Its a really cute looking romance story of her meeting a guy online via vidjagaems, and their love being absolutely real and pure, and it rekindling her will to live and helping her find the courage to take more risks in real life and start the road to recovery. And then they work thru all their various issues as a couple and meet up in real life and have a happily ever after! :D
Now okay, that sounds really cool and I ABSOLUTELY want to watch this show and I will make more posts about it when I do! But also it gave me a bit of a story idea so i’m gonna ramble!!!!!
Okay so kind of a wasted potential thing here is how it has a plot about the two halves of the couple playing as the opposite gender online and like.. nothing is done with it? Nothing really creative or relevant to like.. gender. It just seems like a weird way they could invoke LGBT imagery but technically not be LGBT I guess? Like neither character is trans or has any deep reason for playing that character except ‘my fave colour is pink and people would make fun of me if they knew i was a dude’ and ‘i wanna play a hot guy cos i was kinda lonely and drunk when i saw this MMO’. But then a lot of stuff about it kinda feels like the writers were.. not predjudiced against LGBT or anything?? like the lady protag has NO angst about getting a crush on a seemingly female player, it seems perfectly acceptable in-universe and nobody even mentions homophobia. And there’s a pair of characters that for all extents and purposes looks like a gay couple for half of the game its just like a footnote that one of them is female in real life. So like I don’t know if this was someone being overly careful to censor stuff while still hinting at it, or like if it was never intended to look LGBT and it was all a weird accident?? But anyway thats why it made me go WTF THERE WOULD BE SO MUCH POTENTIAL IN AN LGBT MMO ROMANCE and hey here we go!
THE IDEA TIME what if there was an anime about someone who plays a (presumed) cis dude in an mmo who is actually a trans dude irl? so you could have the same plots about keeping a secret and having a big difference between real and internet personas, but also it could be a wish fullfillment persona and the plot could be less about ‘i’m lying about myself’ and more about ‘the only place i can be the real me is online’. And how sad that is and then how triumphant it could be at the end to be able to be himself in the real world too! and also like... its already coincidental enough that two people would fall in love in an mmo and then end up to be living in the same neighbourhood in real life. so if this anime has me have to believe that silliness, its not too silly to say that two trans people could bump into each other in an mmo! have a trans man and a trans woman who meet as their online personas without knowing either of them is trans, and then their adventures online forming their relationship, learning about each othr, and like meeting a bunch of other LGBT players and forming a guild to fight discrimination in the mmo community?
Also it could be interesting to maybe combine this with the ‘trapped in an mmo world’ genre? Like it’d be extra cool to be a trans dude who’s like.. one of the only people who doesnt want to escape the MMO world. And people could think he’s just a childish jerk who’s addicted to the fantasy life, not knowing about his secret reason he loves this new life. So maybe his personality could be a very ordinary and cute looking dude whose personality is like.. absolutely fearless monster battle man! Like everyone else’s mmo avatars are all super idealized cliche buff and hot people and his is just as close as he could get to his real self but post transition. So he’s five foot tall and chubby and has big ol soulful dragon ball Z krillin eyes and then his job class is something unfitting like gladiator or barbarian with an axe twice his body size! And then in retrospect that’s the most cliche masculine class so maybe the female lead could be a not cliche feminine class, so it doesnt seem like I’m making any statement? cos ‘youre not trans if you dont act stereotypically your gender’ is a real issue within the community, sadly. Oh! Maybe! Maybe theyre both buff classes! But like he could be a tank type that protects his allies and she’s just a regular warrior with no extra functionality. Or another DPS class like thief or black mage? But I like the idea of two very shy and adorable people who both prefer buffness, and then having kind of a badass hero role amoungst their guild and the plot itself. Like, winning the actual battles against bosses is less of a challenge than conquering their various real life worries and being emotionally ready to return home at the end of the journey. Its like a slice of life hiding as an action show! Except you still do see action, its just all comparatively effortless like one punch man. Oh and maybe while male lead made his avatar look just like himself but post transition, female lead’s avatar is kind of an exaggerated ideal stereotypical female thing? Because she’s self concious about being very tall and not very curvy and stuff, even post transition. And like she’s angsting about being forced into further cosmetic plastic surgery that she doesn’t really want, to get a body that she doesn’t really want, but feels like she HAS to have. Like maybe she has some sort of friend in real life who’s like a Fedora Wearing Fake Nice Guy who keeps trying to get her to give in and date him like ‘you’ll never get anyone else’, and trying to make her change herself. Negging champion of utter hateability!
And then female lead could be kind of a mentor role to male lead because she’s post transition, and motivates him to believe that someday he’ll be able to transition too and he doesn’t need to stay trapped forever in a fake world in order to be himself. And he could also be the same mentor role to her because he’s like... happy? Well, obviously he isn’t 100% happy because that’s his whole problem, but he doesn’t have the same social anxiety issues and he’s more confident in his anxiety without worrying that he’s wrong and he really is a girl, etc etc. Like he’s at peace with being trans and his obstacle is just feeling like he’ll never pass successfully without surgery, and never be able to get that surgery. It took him ages to even get on HRT, possibly because of something like being trapped in an abusive family that didnt aknowledge his gender? or possibly just because of being in a country where he’d need a lot of money to get the treatment he needs, or because of struggling to find a good doctor? So anyway now he’s just started HRT and he expected everything to be okay now, but he’s getting frustrated how long it’s taking to have the amount of visual change he needs to be respected by his coworkers and stuff, and now he’s had some sort of other money emergency and he may not be able to get top surgery in the end. So at the time of starting this MMO he was really un-optimistic about his future and looking for an escape. And she was looking for a similar escape because she didnt have any support group while transitioning, and had got trapped into an abusive relationship with this other dude that was making her feel like a fake woman who’d never be loved by anyone except him. So she was considering giving in and falling into his trap, and that’s her reason to be terrified of going back to the real world... And so they both are all OH MY GOD YOURE SO AMAZING I’M SO TRASH about each other, and they help teach each other two different aspects of self love that they were missing, and they make a bunch of other friends in the LGBT community, and generally find the love and support they always needed! And then in the end they could go back to the real world and move in together and slap negging man in the face, and keep in touch with all the other guildmates and create a better community for all queer folks playing this game! Woo! And also maybe the final scene could be like ‘wow we havent seen you guys for ages’ ‘yeah we were so busy with the wedding, we couldnt play!’ and then the guild’s wedding gift to them was saving up for a rare ingame item that lets you re-customize your character, and female lead makes one that looks closer to her real life appearance cos now she’s happy with herself! and then we pan out and see that male lead now also looks totally identical to his ingame self, and he did manage to transition in the end! ...and then i dunno, cliche anime everyone looks at the camera and jumps and the theme tune plays, lol
0 notes
themoneybuff-blog · 6 years
Text
Cost of living: Why you should choose a cheap place to live
Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
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Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
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Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
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In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/
0 notes
themoneybuff-blog · 6 years
Text
Cost of living: Why you should choose a cheap place to live
Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
Tumblr media
Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
Tumblr media
Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
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In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/
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themoneybuff-blog · 6 years
Text
Cost of living: Why you should choose a cheap place to live
While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
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Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
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Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
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In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. https://www.getrichslowly.org/cost-of-living/
0 notes