What Factors Decide Where You Live?

by Mrs Money

The other day I realized it’s going to be seven years since we purchased our house.  It is so hard for me to believe, and I’m so proud of how I’ve really helped turn this house into a home.  I’ve painted pretty much every surface in this house; installed new flooring in many of the rooms, and decorated to make it feel like it’s truly our home.  Right now, I’m very happy with our home and I work hard to keep it clean, decluttered, and organized so it’s a place we love to be.  With a two year old, we don’t go out as much as we used to, so it’s nice to have a place to hang out in which we’re comfortable.

About five years ago I couldn’t wait to sell our house and move.  We’ve considered moving to Michigan (where my family is) or Colorado (where Mr. Money’s family is).  My sister ended up moving to our state about a year ago and since she did that, we’ve felt more like this is where we are meant to be right now.  I’m happy with it and so is Mr. Money.  However, if things changed I think we may consider relocating.  Our families are not getting any younger, and it does make me sad that Penny doesn’t get to experience living near most of our family.  It’s hard!

Before we would consider moving, there are plenty of points we’d have to consider.  First and foremost we’d have to find a good paying job with benefits for Mr. Money.  That’s non-negotiable.  Of course we need income to support our family so if he couldn’t find a job there’s no way we’d be able to move.  Since we try to limit our expenses and live frugally, we’d probably be able to make it if his salary was a little less than ideal. Having health insurance is a very nice thing to have, and not something I’d like to go without.

We’d also have to be able to afford a reasonably sized house in a good area, preferably with some land.  I wouldn’t want to give up our house and property that I love to move somewhere else that I didn’t.  I’d also like our new house to have a garage, basement, and wood stove.   Those are probably the three most important things that we’d require if we were going to look for a new house.  Knowing how weird I am about organization, I’d have to use a moving house checklist to ensure everything was completed.

I would love to move somewhere new and interesting- maybe Montana or Utah, but since we don’t have family there it wouldn’t be an option.  I’m very glad that we lived in Steamboat Springs, Colorado for a few years when we were young and child free.  It was a great opportunity and I don’t think we’d ever be able to do that again!  Right now I’m going to continue to make our house a home and do upgrades to our house when we can so we can maximize our profit if we ever do sell!

What factors are most important in deciding where you live? Do you live near your family?



Gambling Responsibly?

by Guest

There’s a man I used to work with that was a banker. He used to spend hours talking with people about money and how to be responsible with it. The ironic thing was he loved his fantasy football, poker, and gambling at the casino. He was a bachelor, made good money, and always budgeted a certain amount each month for these activities. Since he considered that his entertainment budget, he didn’t worry about it. I’ll have to admit; I wouldn’t personally do it but I don’t see the harm in it either. He had interesting reasons why he needed to do continue to do all of the activities instead of eliminating anything.

-Fantasy football. His friends all got together one day each weekend and talked about fantasy football. They would all gather at a friend’s house and each person would bring appetizers or beer. They were saving money by staying in and bringing their own food.  His justification for keeping the fantasy football team was that if he didn’t continue do participate he’d probably spend more money at the bars or going out to eat and he wouldn’t see his friends as frequently. Fair enough!

-Gambling at the casino. The casino was probably about a 20 minute drive from where he lived. He would make sure to take cash so he wouldn’t go over budget. The casino has free soft drinks and even has a rewards program where he would earn free night stays at the casino! He said that was a nice getaway some weekend nights and often times he would just go there to spend the night and not even gamble.  You can’t beat a free hotel room for the night, especially at a nice hotel!

-Online poker. He enjoyed playing online poker since he was alone a lot. He was pretty good at the game and would never spend more than he allotted each month for his online poker. He said there are many free online gaming sites and he would break up his time between playing free games and casino.bwin.be/fr/online-blackjack. He also considered this practice for when he went gambling at the casino.

Part of his justification was that he didn’t smoke cigarettes or drink tons of alcohol so he was using that money that could have gone to some other sort of guilty pleasure.  He also didn’t have a mortgage, wife, kids, and basically any other big financial obligations.  He wasn’t in debt and did not go overboard with any of his

I think we all have our guilty pleasures.  As long as we are budgeting for them, saving money like we should be, and don’t get ourselves in trouble there’s nothing wrong with that.  My friend here would say that he may as well have fun while he’s young because before he knows it he’ll be married with kids and not able to do these things that he enjoys.  I can understand that!

What do you think? Do you think it’s bad he partakes in these activities?

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