Quote:
Originally Posted by LivingAlmostLarge
Actually it's a lot of money for my DH's tuition. A lot. We're talking $25k/year after taxes. And without kids we're paying taxes up the wazoo.
And we live in the 15 miles of the city. We have high heating bills and balanced budget billing for heat at $250/month. And electric $250/month.
And previously MA had state run car insurance. We were paying $1200/year for liability only.
Syracusa, so judgmental. We have no credit card debt, no car loans, and $25k in student loans. And yes we are struggling. Sorry it's hard to believe but our mortgage, taxes, and tuition is a lot. We drive two beaters and we aren't getting a new car for the new baby. Instead we just paid to save our dog instead of new car.
We had a lot of other bills crop up in home repairs EVERY year we've lived here, at about $6k/year. And we do go home to visit both internationally and across the country at least 1x/year. So yes if we cut that, we could live a lot more luxuriously.
I admit we save a lot so that's part of the struggle. But we refuse to adjust our lifestyle down to not save. To us that was a compromise of moving here. We would make do with less or else.
I PERSONALLY cannot wait to move away and live somewhere cheaper. I know our quality of life will drastically improve.
In Boston, average newborn care is $2200/month. Daycare is $1800/month. Outside the city? Say 20-30 miles it's still infant care is $1800-2k/month. After 1 year? Outside the city is $1500-1800/month. I know Boston daycare because I've priced out places recently as in right now! These are ridiculous prices, but most of our friends are paying it because they live in the city. Within walking distance to public transit, within the 95 ring to give you an idea of "city" living.
The areas a lot of people are naming, I would consider "living" in MA, but not in Boston. Boston definitely you'll be paying a lot more.
If your husband is working redding, live out there! Save a lot of money. Honestly? Who needs the city when you have kids?
I'm too tired to go out anymore and top it off with our sick dog? We have curtailed going out big time. I'm not saying we didn't before, but our lifestyle I think has changed already (personally).
|
I understand. Maybe I didn't realize how much student loans/tuition can weigh as I've never had any. Husband had 6000$ ib student loans at some point but I pushed for paying that off a while ago.
You also have the pet - I am truly sorry to hear about the poor dog's bad health.
Your mention of 6000$ in home repairs yearly scared the living lights out of me. This is exactly why I will only agree with buying new construction, if we ever have to buy in MA.
We will certainly live outside of Boston, I NEVER considered the city itself.
Good luck with the baby! Where would you like to move, ideally?