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Shit is expensive.

post #1 of 62
Thread Starter 
Honest question: How do single people making less than $45,000 a year afford to live in the western suburbs of Philadelphia without a) living in 500-600 sq. ft. and b) living in an iffy apartment complex?

I'm finding I'm very spoiled by all the space and inexpensive rents we have in the South. : \
post #2 of 62
Roommate.

Honestly, 45k should get you a nice place and a decent lifestyle in any place on the east coast except maybe NYC. 30k is a little tighter. Depends on what kind of residual debt you bring to the party, too. Big car payment/credit card bills=smaller place.
post #3 of 62
Thread Starter 
Quote:
Originally Posted by Chris Miller View Post
Roommate.

Honestly, 45k should get you a nice place and a decent lifestyle in any place on the east coast except maybe NYC. 30k is a little tighter. Depends on what kind of residual debt you bring to the party, too. Big car payment/credit card bills=smaller place.
My monthly student loan payment is a rather hefty chunk, and though my car is paid off it's got over 100k miles on it, so who knows.

I'm sure this will come off sounding bad somehow, but I just don't think I commit to a roommate that wasn't already a fairly long-established friend. I'm too wary of people.

I'd love something in the $700-850 range (a bit more than the suggested 1/3 of your income), but so far all I've found are dives and tiny studios.

Right now I'm in a 3 bedroom, 1300+ sq. ft with 1 roomie. We each pay $465 a month and it's an immaculate gated complex, really beautiful. It's going to break my heart to leave it.
post #4 of 62
Quote:
Originally Posted by Chris Miller View Post
Roommate.

Honestly, 45k should get you a nice place and a decent lifestyle in any place on the east coast except maybe NYC. 30k is a little tighter. Depends on what kind of residual debt you bring to the party, too. Big car payment/credit card bills=smaller place.
D.C. is more than happy to disagree with you.
post #5 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
Honest question: How do single people making less than $45,000 a year afford to live in the western suburbs of Philadelphia without a) living in 500-600 sq. ft. and b) living in an iffy apartment complex?

I'm finding I'm very spoiled by all the space and inexpensive rents we have in the South. : \
Are you talking about the Main Line? Because, y'know, good luck with that.
post #6 of 62
I got busted on by family members during a discussion when I told them I pay $820/month (even though that's a flat rate including bills and whatnot related to a pretty decent townhouse share in a nice, convenient, fairly bumpin' part of L.A.). Everyone was like "I PAY $300/400 A MONTH".

Yeah, and you're in the happening burgs of Clarksville, Arkansas/Waxahachie, Texas/etc. I'll take my expensive room over cheap rent and absolute fuck-all to do any day.

I guess what I'm sayin' is you take the good with the bad.
post #7 of 62
Quote:
Originally Posted by The LD View Post
D.C. is more than happy to disagree with you.
DC is absolutely expensive as hell, but I lived within the district limits for years in a very nice place with a decent lifestyle on much less than 45k a year. You just have to be smart with your money.
post #8 of 62
Quote:
Originally Posted by Mattioli View Post
Are you talking about the Main Line? Because, y'know, good luck with that.
And unless you need to be out there, much of both Camden County and Burlington County in NJ are actually closer to the city than out there.
post #9 of 62
Thread Starter 
Quote:
Originally Posted by Mattioli View Post
Are you talking about the Main Line? Because, y'know, good luck with that.
Unfortunately the Main Line is exactly where the job is. : ( But I'm finding that even 30-40 mins out from there the average rent is still high (around $1,000 for a 1 bedroom) and any $750-850 places have 500-600 square feet, sometimes even less!

I'm nervous that I won't be able to adapt to public laundry and tiny living spaces. I'm not making a definitive statement on "this is better than that" -- it can get very annoying living in a fly-over state, not getting any good movies, etc. But suddenly I'm wondering if I can be happy up North. <: ( It's just so damn different.
post #10 of 62
Different's not always a bad thing.
post #11 of 62
If you have a car, commute. You're talking about the priciest suburbs outside Philly. I'm working on a project exactly where you're talking about and I drive 45 minutes from NJ every day. There's also trains running from all directions. Sounds like you just don't have the lay of the land yet.

But if you're expecting "the South" prices, you're fucked.
post #12 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
I'm nervous that I won't be able to adapt to public laundry and tiny living spaces. I'm not making a definitive statement on "this is better than that" -- it can get very annoying living in a fly-over state, not getting any good movies, etc. But suddenly I'm wondering if I can be happy up North. <: ( It's just so damn different.
But chicks in Philly will looooove that southern accent.
post #13 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
Unfortunately the Main Line is exactly where the job is. : ( But I'm finding that even 30-40 mins out from there the average rent is still high (around $1,000 for a 1 bedroom) and any $750-850 places have 500-600 square feet, sometimes even less!

I'm nervous that I won't be able to adapt to public laundry and tiny living spaces. I'm not making a definitive statement on "this is better than that" -- it can get very annoying living in a fly-over state, not getting any good movies, etc. But suddenly I'm wondering if I can be happy up North. <: ( It's just so damn different.
Basically, what Phil is telling you. The Main Line is godawful in pretty much every sense of the word.
post #14 of 62
Quote:
Originally Posted by Jonathan Banks is my hero View Post
But chicks in Philly will looooove that southern accent.
Isn't CDI a she?
post #15 of 62
Quote:
Originally Posted by Jake View Post
Isn't CDI a she?
Then she'll make friends, won't she? SHUT UP JAKE I'M TRYING TO MAKE HIM/HER FEEL BETTER.
post #16 of 62
yo I can be your roommate gurl
post #17 of 62
Quote:
Originally Posted by Jake View Post
yo I can be your roommate gurl
Not with an avatar like that, you won't.
post #18 of 62
Thread Starter 
Quote:
Originally Posted by Phil View Post
If you have a car, commute. You're talking about the priciest suburbs outside Philly. I'm working on a project exactly where you're talking about and I drive 45 minutes from NJ every day. There's also trains running from all directions. Sounds like you just don't have the lay of the land yet.

But if you're expecting "the South" prices, you're fucked.
Yeah, I'm starting to see that now. I can't imagine where people who wait tables in St. Davids or Malvern live when they leave work. I guess they take the train or drive 30-45 minutes somewhere else? That sucks.

You can certainly get a LOT more for less down here, but there are trade-offs going both ways I suppose. I really didn't think I'd be such a coward over this - just the prospect of relocating has shown me that either A) I've been taking the comfort down here for granted or B) I'm not made of as stern a stuff as I thought.

Probably both.

Quote:
Originally Posted by Jonathan Banks is my hero View Post
Then she'll make friends, won't she? SHUT UP JAKE I'M TRYING TO MAKE HIM/HER FEEL BETTER.
Yep, I'm a she. A small single she who's turning out to be more magnolia than steel.

Now would be an excellent time to win the lottery.
post #19 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
I can't imagine where people who wait tables in St. Davids or Malvern live when they leave work. I guess they take the train or drive 30-45 minutes somewhere else? That sucks. Now would be an excellent time to win the lottery.
Depending on the restaurant/coffee shop/patisserie, you're wildly underestimating the kind of tips those good people rake in. They just have to be prepared to be verbally abused and condescended to by the good people of such towns as Wayne, Paoli, etc.

By the way, have you looked at places around Quakertown? It's much cheaper and a relatively short commute.
post #20 of 62
You can stay in my attic as long as you're cool about being quiet when my wife is home. And NOT quiet when she's not home.

F'realz, if you have questions you think I can answer about the area, holler. Do you have a car?
post #21 of 62
Quote:
Originally Posted by Mattioli View Post
Depending on the restaurant/coffee shop/patisserie, you're wildly underestimating the kind of tips those good people rake in. They just have to be prepared to be verbally abused and condescended to by the good people of such towns as Wayne, Paoli, etc.

By the way, have you looked at places around Quakertown? It's much cheaper and a relatively short commute.
My Sister-in-law lives in Quakertown and from talking to her husband (who works in Philly), the price and commute are pretty great.
post #22 of 62
Quote:
Originally Posted by Jcassady View Post
My Sister-in-law lives in Quakertown and from talking to her husband (who works in Philly), the price and commute are pretty great.
Yeah, I'm not too far from there myself. As an added bonus, it's also fairly near Bethlehem which has a pretty cool little downtown, annual music festival, annual celtic festival, etc. You may know it as the place they filmed the China scenes for Transformers 2.
post #23 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
Yep, I'm a she. A small single she who's turning out to be more magnolia than steel.
I'm glad you told me that before I asked about your creepy obsession with Ewan McGregor.

But really, if you don't mind sharing, what's calling you to the Philly suburbs?
post #24 of 62
Thread Starter 
Quote:
Originally Posted by Mattioli View Post
Depending on the restaurant/coffee shop/patisserie, you're wildly underestimating the kind of tips those good people rake in. They just have to be prepared to be verbally abused and condescended to by the good people of such towns as Wayne, Paoli, etc.

By the way, have you looked at places around Quakertown? It's much cheaper and a relatively short commute.
Maybe I should think about getting one of those jobs instead.

Quote:
Originally Posted by Phil View Post
You can stay in my attic as long as you're cool about being quiet when my wife is home. And NOT quiet when she's not home.

F'realz, if you have questions you think I can answer about the area, holler. Do you have a car?
Does your attic have room enough for a bed and a big-ass TV? Sold.

Yes, I have a car. 100k miles on it, so it's getting up there, but holding steady. I haven't been accounting for a car note, but one is in my future. Right now I'm more worried about the $400 in student loan payments I have to make every month.

Quote:
Originally Posted by Jonathan Banks is my hero View Post
I'm glad you told me that before I asked about your creepy obsession with Ewan McGregor.

But really, if you don't mind sharing, what's calling you to the Philly suburbs?
Is it less creepy if I'm a girl? My husb--er, Ewan might not think so.

Indicators are very strong that I'll be offered a teaching position smack-dab in the middle of the uber-rich area. I've been looking at properties all over the place, from Coatesville to Quakertown to every dot in between. It feels like places are either quite nice or not nice at all.

I always said I wanted to move closer to a big city, but suddenly I'm realizing that by big city I meant Atlanta or Charleston or Charlotte or Nashville.

I'm so frustrated I want to either cry or have a drink, and I'm fresh out of Maker's Mark. /rampant self-pity
post #25 of 62
yo I can get you a drink gurl




(seriously, I'm done, I'll go away now)
post #26 of 62
You know, I hate to be the one curmudgeon-like fuck in the room here, but you are aware that you're complaining about being inconvenienced by having to go to a Laundromat and living in an apartment with less than ideal floorspace in order to accommodate a job you just got in the worst economy in seventy years, right? I, mean, fuck you should be singing selections from the Snow White soundtrack while throwing coins into the washing machine and living in a slightly cramped apartment.

Up to 50% of young Americans are unemployed or underemployed and the figures just get worse if you factor in the people who still live and breath but fall outside of the parameters of most studies. I have friends from college who have been looking for work for three years. Be grateful for what you have.
post #27 of 62
Thread Starter 
Quote:
Originally Posted by Cuchulain View Post
You know, I hate to be the one curmudgeon-like fuck in the room here, but you are aware that you're complaining about being inconvenienced by having to go to a Laundromat and living in an apartment with less than ideal floorspace in order to accommodate a job you just got in the worst economy in seventy years, right? I, mean, fuck you should be singing selections from the Snow White soundtrack while throwing coins into the washing machine and living in a slightly cramped apartment.

Up to 50% of young Americans are unemployed or underemployed and the figures just get worse if you factor in the people who still live and breath but fall outside of the parameters of most studies. I have friends from college who have been looking for work for three years. Be grateful for what you have.
I don't disagree with any of what you said - you're totally right. And hell, I did apply for this job (though, in all honestly, I didn't expect anything to come of it - the academic market is very fucked up right now). It has just all happened so fast, and even I'm surprised at how suddenly resistant I am to the idea of moving so far away from where I've always been - new job, new place, alone.

I'm just scared shitless, that's all. I'm not proud of it.
post #28 of 62
Get an apartment that may not be great, but get a month to month lease. Only settle in a little, then start looking for better opportunities from private landlords on craigslist. You can end up back in a situation like you have from there.
post #29 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
Honest question: How do single people making less than $45,000 a year afford to live in the western suburbs of Philadelphia without a) living in 500-600 sq. ft. and b) living in an iffy apartment complex?

I'm finding I'm very spoiled by all the space and inexpensive rents we have in the South. : \
I lived in an apartment in Westchester (college town west of Philly) for $650 a month 10 years ago (worked in Berwyn and Exton). Not sure what it's like now. Apartment and neighborhood was fine and much better than the one above the video store I lived in downtown. A good friend lives in the Thornton area (south of Westchester) and commutes to Philly for a Navy job every day. He's looking to move closer on route 1.

Quote:
Originally Posted by Mattioli View Post
Yeah, I'm not too far from there myself. As an added bonus, it's also fairly near Bethlehem which has a pretty cool little downtown, annual music festival, annual celtic festival, etc. You may know it as the place they filmed the China scenes for Transformers 2.
Yeah, I grew up in the Lehigh Valley. My brother commutes from Allentown to King of Prussia every day. Long drive.

I commuted over an hour to school for 2 years (Easton, PA to Dover, NJ) and then over an hour towards Clifton, NJ for a couple years from PA for a job. Anything under an hour should be doable and Philly is surrounded with a ton of nice suburbs in many directions within that commute time. Valley Forge area is nice. Not sure about the cost of living. King of Prussia might be too pricey.
post #30 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
I don't disagree with any of what you said - you're totally right. And hell, I did apply for this job (though, in all honestly, I didn't expect anything to come of it - the academic market is very fucked up right now). It has just all happened so fast, and even I'm surprised at how suddenly resistant I am to the idea of moving so far away from where I've always been - new job, new place, alone.

I'm just scared shitless, that's all. I'm not proud of it.
Don't apologize for nothing. You're not making that much money right now compared to the cost of living. The key indicator isn't that you actually have a roof over your head but that you can save money incase of a disaster such as loss of employment, car breakdown etc...

Laundromat's aren't there as a public service, they make a shit ton of money off of poor shlubs who don't have a washer \ dryer. I had to use them for about two months while I was finding a place (and wasn't sure if it was gas or electric and didn't want to commit to buying without that knowledge) and it cost me on average ... $20 to use the machines each week. The washer \ dryer I bought was $150 for both (used, in the paper)... lasted 6 years until I gave it away to someone.

Save every penny you can until you have at least 6 months worth of rent (not including roommates) and utilities and every time you hit the supermarket for food, buy 2 extra cans of food that way you can build an emergency food supply. This may take you 6 months but that feeling of fear will fade as each month passes.

This is especially important if you move away from where you have roots (friends, family, a social network). By the way, incase you aren't already a memeber, join AAA.
post #31 of 62
Quote:
Originally Posted by Snaieke View Post
This is especially important if you move away from where you have roots (friends, family, a social network). By the way, incase you aren't already a memeber, join AAA.
Yup, especially if you're commuting.
post #32 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
Does your attic have room enough for a bed and a big-ass TV?
My attic has an air hockey table, air conditioning, a small library and a Phantom of the Paradise helmet. You'll be fine.

Having a car opens up your living options. Seriously, moving to a whole new place and then confining yourself to one area is going to make it even more miserable.
post #33 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
I don't disagree with any of what you said - you're totally right. And hell, I did apply for this job (though, in all honestly, I didn't expect anything to come of it - the academic market is very fucked up right now). It has just all happened so fast, and even I'm surprised at how suddenly resistant I am to the idea of moving so far away from where I've always been - new job, new place, alone.

I'm just scared shitless, that's all. I'm not proud of it.
Ah, well, I guess you're not so bad, then. And you're partial to Maker's Mark, so that also helps the rage.

Now that you're leaving the South for actual civilization--I kid, I kid--you might want to try a few drinks with some of the more modern ryes instead. It adds a little kick to a Manhattan.
post #34 of 62
Quote:
Originally Posted by Chris Miller View Post
Get an apartment that may not be great, but get a month to month lease. Only settle in a little, then start looking for better opportunities from private landlords on craigslist. You can end up back in a situation like you have from there.
This is a great point to make. You won't learn the best way around the local rental market until you actually live there, make a few friends, attend one of Phil's famous Monte Hellman tattoo parties, etc., particularly in a big market like Philly. Logistically it's sort of a pain in the ass to have to consider moving again, but it may allay some of your worries now to think about that first place as just a stepping stone.
post #35 of 62
Quote:
Originally Posted by CDI F. Kelly View Post

I'm just scared shitless, that's all. I'm not proud of it.
If I had to move to Philly, I'd be afraid too.
post #36 of 62
Quote:
Originally Posted by Phil View Post
My attic has an air hockey table, air conditioning, a small library and a Phantom of the Paradise helmet. You'll be fine.
A Phantom of the Paradise helmet? Can I move in?
post #37 of 62
Quote:
Originally Posted by Snaieke View Post
Laundromat's aren't there as a public service, they make a shit ton of money off of poor shlubs who don't have a washer \ dryer.
This is no fucking joke. I can't believe how much this shit costs at Park La Brea and I feel like I'm putting $5/$10 on the stupid laundry card every time I do laundry and the crazy woman two houses down is currently washing every single item in her ungodly mass of pink towels/bedding and it's already eight o'clock and I've been waiting for two hours fffuuuccckkkkk
post #38 of 62
Jake has become punctuationally challenged.
post #39 of 62
Quote:
Originally Posted by DARKMITE8 View Post
Valley Forge area is nice. Not sure about the cost of living.
My ex's mom lived there. The cost of living is ridiculous (in no small part because a lot of the people there are trying to portray themselves as the cream of society and, thus, spend way above their means).
post #40 of 62
It might be time to get married. You get to split the bills, plus: sex. As much as you can talk her in to.
post #41 of 62
You just thinkin' out loud, Sammy?
post #42 of 62
Quote:
Originally Posted by Sammy Jankis View Post
It might be time to get married. You get to split the bills, plus: sex. As much as you can talk her in to.
Dude CDI is a girl I can't believe you didn't know that.
post #43 of 62
Quote:
Originally Posted by Snaieke View Post
Don't apologize for nothing. You're not making that much money right now compared to the cost of living. The key indicator isn't that you actually have a roof over your head but that you can save money incase of a disaster such as loss of employment, car breakdown etc...

Laundromat's aren't there as a public service, they make a shit ton of money off of poor shlubs who don't have a washer \ dryer. I had to use them for about two months while I was finding a place (and wasn't sure if it was gas or electric and didn't want to commit to buying without that knowledge) and it cost me on average ... $20 to use the machines each week. The washer \ dryer I bought was $150 for both (used, in the paper)... lasted 6 years until I gave it away to someone.

Save every penny you can until you have at least 6 months worth of rent (not including roommates) and utilities and every time you hit the supermarket for food, buy 2 extra cans of food that way you can build an emergency food supply. This may take you 6 months but that feeling of fear will fade as each month passes.

This is especially important if you move away from where you have roots (friends, family, a social network). By the way, incase you aren't already a memeber, join AAA.
I just wanted to second this as being really, really good advice. Having a 6 month cushion on LIFE is very important, both financially and mentally.
post #44 of 62
Quote:
Originally Posted by CDI F. Kelly View Post
Yes, I have a car. 100k miles on it, so it's getting up there, but holding steady. I haven't been accounting for a car note, but one is in my future. Right now I'm more worried about the $400 in student loan payments I have to make every month.
Have you tried negotiating those loan payments to a lower amount? An extra hundred bucks or two a month in your bank account can be a huge help.
post #45 of 62
Quote:
Originally Posted by Phil View Post
You just thinkin' out loud, Sammy?
Nah, I've been married 1/2 my life. It's good for me, but I'll still make an easy joke when given a chance. CDI can head up to CT and marry some hot chick there if she wants. It's not that far from Philly.
post #46 of 62
Quote:
Originally Posted by Mattioli View Post
My ex's mom lived there. The cost of living is ridiculous (in no small part because a lot of the people there are trying to portray themselves as the cream of society and, thus, spend way above their means).
My buddy had an apartment in that area. Course he was a genius working for Lockheed Martin.
post #47 of 62
I bought a 7$ crab cake today!

post #48 of 62
Now, Princess, you didn't read the thread before you posted, did you? 'Fess up.
post #49 of 62
Even if it was on topic, a $7 crab cake doesn't seem that expensive.
post #50 of 62
What if it was a really small crab cake?
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