When I finished with my bachelor's degree in psychology, I worked in a credit union for about six months while I attempted to figure out what I really wished to do with the rest of my life (I haven't figured it out yet, honestly), then I decided to go to grad school and get a job in Cincinnati. I relocated to the city over Independence Day weekend in 2014. Ever since, I lived in two different communities within the city limitations. One was two miles outside of downtown in a stylish house developing a short walk from an amazing park, and the other was seven miles from downtown in a highly desirable neighborhood in an apartment where I might hear my upstairs next-door neighbor sneeze (to name a few, less innocent things * shudder *). Then I transferred to a rural location right outside the city limits, in a house complex right on the bike path where I might ride into town to grab a beer or an ice cream cone.
In fall of 2017, my spouse and I bought our first house in my little home town-- a 50 minute drive to three significant cities (choose which direction you're in the state of mind to drive: north, south, or west), but certainly a rural location. We live "in town" now, but that isn't saying much.
THE PROS
One of my finest good friends lives a block away, and there is an incredible homemade hard cider location that's run out of the basement of a household house, and there are a few fantastic local stores and dining establishments. There were also a lot of tradeoffs included with picking to move out of the city.
I'm going to begin with the pros list, the fantastic things about where we live and why we picked to move here. I have actually already pointed out a number of. But maybe the most significant aspect is CASH. When I resided in the city in a popular community, whenever I strolled my dog I would look up the information on any home I would see with a for sale indication out front. My rent at the time had to do with $650 a month for a one bed room home with a benefit room that we utilized as a dining-room. Really sensible. House rates were through the roof. There was a two bed room, one bath house with almost no lawn a street over noted for $250,000(!!!!!!!). What?! And I comprehend that home prices are extremely relative and reliant on location, and perhaps you reside in California or Toronto or wherever and you're reading this believing that's a take, website however my home in the nation-- my 3 bed room, one bath, remodeled home on a quarter acre with a basement-- cost $92,000. When we moved to the suburban areas for a 2 bed room apartment or condo was $890, Lease. Our present regular monthly home loan (which we pay additional on and strategy to settle early after crushing our student debt) is $587. That's a huge cost savings from a home mortgage in the city, and is substantially lower than our rent in the city or suburban areas. Which means more money to put towards student debt and pay it off quicker.
Another pro is that we live closer to household. We live in the very same town as my parents, and are a short drive from my grandparents and in-laws. We have much more outside area than we might have gotten in the city on our spending plan, consisting of a big, fenced-in yard.
Creekin'
I grew up going "creekin,'" catching amphibians, riding four wheelers, and having the day off school for the very first day of open season. It was an actually excellent youth.
THE CONS
There is certainly an expense to moving out here, too. For starters, it seems like everyone knows everybody else! And often I just desire to go to the supermarket in my sweats for red wine and cookie dough and not face among my former teachers or good friends' moms and dads, ya know ?? Bear with me as I go through these cons; I'm not attempting to complain (much), however the reality is that there is a lot to consider when considering moving from a city you enjoy to a lower cost of living location in Get More Info order to save loan.
Numerous of my friends live in or closer to the city, and it needs more planning and driving in order to see them. When I was in the city I might walk to numerous places and drive to an essentially endless list of dining establishments and bars. When I lived in the city, an Uber would be offered to pick me up within minutes any time of day, and it was an inexpensive flight anywhere, typically under $10.
If I were to get a different task in my field, I would have to drive to one of the significant cities, at least about 40 minutes each method. When I lived in the city, there were SO MANY options for psychological health tasks, as well as other resources consisting of a number of grocery choices, yoga studios, pet shops, etc. And not to sound too petty here, however the grocery store in my town doesn't offer the great brand of goat cheese that I like, and I have to drive 30 minutes to the nearby Kroger that does.
I liked living in a city filled with diversity and with a variety of political and social views. There is a church on every corner, on your way into town no matter which route you take, and pretty much a stone's throw from any location you may take place to be standing in town. We went to a terrific church in the city that I here loved, and finding something that compares is important to me but it's something I'm still searching for.
So, while I like my house and there are a great deal of things I love about my town, I do miss living in the city. I do not see myself residing in this town permanently, and right now returning to the city is in the medium-term plan. For now, little town and low cost of living life is affording us the capability to pay off our trainee debt more quickly in order to get there. If you have actually made a comparable move or have actually ever thought about it, let me know.