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How Does Your Location Help or Hinder Your Frugality?

Posted: Sat Jan 18, 2020 11:21 am
by HappyDaze
How does where you live make it easier or harder for you to be frugal?

So I got to thinking about how where I live contributes or detracts from my ability to be frugal. As some of you know, I moved to "the city" from the middle of nowhere about 5 years ago.

One might think it was easier for me to be frugal in the country - that is not necessarily so. In the city I have as large of a lawn as I did in the country - and could easily have a big garden - if I so desired to put in the time and effort - which as this time, I don't.

I did save on trash pickup in the country - because I didn't have it. I would wait until I had 10 or so bags of garbage and drive it to the dump - cheaper, even with using gas. Here in town, that is not as feasible - and - let's be honest - I don't want to do that anymore.

I live very close to several stores now - it is so much easier to be able to take advantage of all the sales/coupons/deals. Rather than making one weekly excursion to all the stores, I can walk to several stores anytime I want to.

I also walk to and from work now, rather than making a 30 mile round trip commute 5 days a week - huge savings.

I am close to the library now - free internet so I don't have it at home - saves $50 a month!

I have more th

Re: How Does Your Location Help or Hinder Your Frugality?

Posted: Sat Jan 18, 2020 12:23 pm
by ChristmasTrees
Good question!
I am very rural. It is a 45 to 60 min. drive to a regular food store...not small mom and pop store.
Pro: well water...no water bill. We did have to drill a well 35 years ago.
wood stove....lessens our oil bill a small amount.
lots of outdoor space to roam.....don't need a gym...:)
veg. garden........save a bit on veggies a small part of the year.
very casual here......no need for dressy clothes
peace and quiet....priceless!

Con: a LOT of driving.....gasoline
IF I have to buy groceries 20 min. away...very expensive.
all DR. and dentist appts. are an hour away.....loss of time traveling
because everything is so far...sometimes we are away from home longer than expected...so we grab a meal out....much more expensive than eating home.

Re: How Does Your Location Help or Hinder Your Frugality?

Posted: Sat Jan 18, 2020 12:28 pm
by LogicsHere
I live in the suburbs of NYC so everything is a bit more costly than upstate NY. I manage to keep my groceries relatively even as I have 5 supermarkets within a 3 mile radius and recently was able to cut my grocery budget of $200/mo. which I used for years to about $30-$50 a month less.

I am in walking distance of one of the grocery stores, 5 banks, 4 restaurants and I am on a bus route so for convenience I suppose it can't be beat.

Utility costs I have little control over. Electric is expensive here and our apartments do not have gas hookups. Also, we do not have control over our own heat which is managed through our maintenance charges. And again garbage collection is through the Co-op and comes out of our maintenance which is determined by the number of bedrooms in the unit.

Entertainment is a lot more expensive as many times you have to go into NYC and you not only pay for your food and whatever else it is you are going to see, but you pay for public transportation or the cost of parking.

In order to get to a retail shopping center you need to drive a minimum of half an hour and in one direction pay the toll on the new "Tappan Zee". Sorry, it will always be the Tappan Zee to me.

Re: How Does Your Location Help or Hinder Your Frugality?

Posted: Sat Jan 18, 2020 12:59 pm
by Quilter51
I live in a fairly inner suburb. This means there are lots of options and lots of competiton and I dont have to expend much gas to get anywhere. I have five grocery close to shop froma and can easily get all the loss leaders from each store in a few minutes. We have a yard but I would never garden so that really doesnt matter. During yard sale seasonthere are literally hundreds of sales each weekend. Because I livei n a county and suburb that is fairly well funded it includes a libriary with multiple adult activities each week, a recreation center with cheap entrance fees, and tons of free things like concerts and even free museums near by.

Re: How Does Your Location Help or Hinder Your Frugality?

Posted: Sat Jan 18, 2020 1:34 pm
by itspennyc
I no longer drive so no car upkeep, insurance, etc.

In my state a state ID costs much less than a driver's license.

I have a choice between H-E-B grocery store or super Walmart. I go to H-E-B, not only is H-E-B the best supermarket chain in the USA. Prices are great.

I cook for one. I don't buy already prepared meals. They are too high in sodium.

Because of H-E-B location is technically in walking distances. But it involves crossing 2 very busy streets. I have mobility problems and use a rollator. So someone from a local Agency helps me with grocery shopping.

Penny

Re: How Does Your Location Help or Hinder Your Frugality?

Posted: Sat Jan 18, 2020 1:56 pm
by floridacatlover
I live in a suburb so there are four grocery stores, two drugstores and many other stores within 2-3 miles. Medium-sized mall with a Macy’s and JC Penney is about 5 miles away. Two grocery stores are within walking distance but like in Penny’s area, roads are very busy and I would not walk there unless absolutely necessary.

We have a fairly good bus system and fares are cheap for seniors. Three libraries within 5-6 miles as well as the beach (Gulf of Mexico).

Homeowners insurance is high because of hurricanes. Car insurance is also high. Surprisingly my car insurance doubled when I moved here from the Washington DC suburbs and I also pay double what friend pays in a Chicago suburb. I think it is because we have tourists with driving habits from everywhere. Property taxes are fairly low and a big thing is we have no state income tax. For those who don’t own a home, rent is high in my opinion.

Not a frugal or non-frugal thing but we have very good hospitals and lots of doctors and medical services in our area.

Traffic is bad especially in winter but I would not want to live in a more rural part of our state. Our tourists bring a lot of money to our area.