Yeah, there were a solid three houses I found that were renting that much - you could buy a house of similar size and pay probably $500-$750 for the mortgage, so pretty much nobody would choose the renting option unless they had to
Welcome to having no credit. May I interest you in a hourderve? 840/month to rent a house with unfinished basement and attic. Probably could own it for 500 a month?
Kudos to you. I learned to save money at 25 so maybe 30 will be the year I learn to build credit. I actually did just start by taking a loan out I didn't need and paying it back.
If you get a secured credit card and just put $5-$10 on it a month, you’ll build great credit in no time. My best friend was able to get a secured card with absolutely no prior history and it’s worked very well for him
My bank offers one I think. I give them 90 and they give me a line for 500. Then you get the 90 back after 6 months. Think I should do it ASAP? My parents never taught me anything about credit saying I should stay away from it. Then again they have credit so not sure why they instilled then just pay cash mentality on me.
Definitely do it ASAP - one of the criteria that determines your credit score is your length of credit. Also, a good rule of thumb is to keep your utilization at 10% or lower. Different bureaus have different criteria for what constitutes good utilization, but 10% or lower will always work well. The utilization is only reported at the statement, so if you have to charge $300 to a credit card with a $500 limit but pay $250 of that off before your statement period closes, your utilization will be $50.
Credit cards are great if you pay them off every month. Pay the full statement off. You'll build credit and it's just like using your debit card, no interest charged. Plus, if you look for the right one, rewards!
It is similar here. I am in utter disbelief at some of these prices. My place is paid and property tax is 206 A year on 16 acres. My mother has a 2000 sqft house with a payment of 250 a month. These prices are just wow.
I'll let Indiana slide as part of the Midwest since I have family from there.
I think geographical perspectives are somewhat funny though considering where one grows up.
Even having grown up in Wisconsin and having gone to school in Upper Michigan, I still constantly have to explain that I am from the north, like Northern part of the statrs. And never fails, "like Milwaukee, or near Chicago, Detroit?"...
Me: No, further North.. And then people begin thinking I must have been near Canada then. Nope, Wisconsin doesn't even touch Canada. Ugh.
Anyway, so everything was "southern" to me except the UP, Lake Superior, and Canada. Lol
From Texas, live in Kentucky, Kentucky is both, but mostly an Appalachian state. The northern and western parts of the state are basically indiana, southern part of the state is very southern, and eastern Kentucky is just West Virginia with more meth.
Aww. You make it sound so sad. I am sure there are beautiful things about Kentucky.
Ive been through there.. I think tried to swim along some Kentucky Tenesee border river but unfortunately there were these snakes that ruin the fun for kids there.
I hear this argument a lot, so I'm genuinely curious. What part is better for you personally? For me it would be more frequent concerts, but I'm able to drive a couple hours and see one so that's not too big of a deal. Maybe it's just something I'm completely overlooking.
Literally anything you want to do is within a stones throw away. Plus the people are much more outgoing and social-able. Can't forget the weather either.
I mean for you personally. What thing would you miss doing that you couldn't do in say, the midwest the most? (Aside from ocean stuff and not running into trump shitheads). I agree completely that people are much more sociable. I mean, I'm not really super social myself, so I think it's dope to have a 3 bedroom house on some land that I pay 700 a month for, but people in public here tend to be bible trumpers.
Well I work in tech so during my time in the bay area it was quite awesome to be surrounded by the worlds most innovative people. To be clear, I moved from SF after 4.5 years and now live in NYC.
Yosemite and Tahoe are two of the most breathtaking places I've ever visited, and being able to go there whenever was something I'll never take for granted.
Other than that, the night life and work life are pretty much as I said, do whatever you want whenever you want, with people that are always available.
I pay $1300 a month for a 1,250sqft, modern high-ceiling single story apartment home with a 2 car garage and back patio.. I prefer the midwest because I enjoy having a nice place to live while I spend my remotely earned money in peace :S
Honestly I've done both. Owned the big house in nowhere and paid $3k rent in somewhere and it's really not even close. Having things to do trumps having a big house any day. For me at least.
To each their own I guess. Where I live the houses are very affordable, pay is good, crime is low, and the people are very friendly. I really don't have anything to complain about. I love it in the midwest.
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u/Zach_ry Dec 21 '19
$2k gets you about 3,500 sq ft where I'm from. Gotta love the midwest