LIVING IN A LONELY WORLD!!!

SHE TOOK THE MIDNIGHT TRAIN GOING ANYWHERE!

I swear, this post isn’t going to be about Journey. I’m not sure what got into me there. That song is just so much fun to sing. Isn’t it, guys from Family Guy?

As the fine folks from Control Your Cash like to mock me about, I come from a small town in Alberta. My hometown is full of all the rural redneck stereotypes you can think of. Lots of big trucks? Check. Rampant homophobia and racism? Yep. I probably know a full 25% of the people in town – not necessarily by name, but by association. Hey, there’s that guy who works at the Ford dealership. It’s a comfortable existence, if that floats your boat.

For at least half of the graduating class of the high school, they want nothing to do with the small town where they grew up. Once the fall semester of university starts, they’re gone faster than a piece of cake in front of Paula Deen. (Topical!) Others choose to go find a job in another town, which is their own way of throwing off the shackles of their hometown. Bruce Springsteen famously sang about leaving New Jersey for the bright lights and opportunity of New York. I understand that, for many youths, starting their own life in a faraway place has a certain allure.

But is it the smartest move? Perhaps not. In fact, maybe you should be moving from a big city to a small town. Here’s why.

You Can Still Make Bank

My town has 6 lawyers, spread out among 3 law firms. 1 of the 6 is basically senile, he’s got about 32 clients who are all equally senile. Between those 5 lawyers, they do every single real estate transaction, every single divorce, every single lawsuit, you get the picture. I bet each of those lawyers make a gross salary of $250k. There is enough business that they will tell you to hit the road if you’re making their life miserable.

In a lot of small towns in Canada, there is a shortage of doctors. And since doctors get paid per patient seen, a hard working doctor could make more cash, providing they’re willing to put in the hours.

It’s like that with all sorts of other businesses too. I know a lady who recently started her own accounting firm. She stopped taking on new clients 6 months later. The two dentist offices in town are always swamped. The two optometrists don’t even try to undercut each other’s prices anymore. When you don’t have to worry about the 94 other competitors in town, there’s a lot of money to be made.

It’s the same thing with other professions. Teachers, nurses and the like are constantly looking for new people, since many people decide to transfer to the big city. Often these jobs are filled with young folks just out of college, who generally repeat the cycle after a few years. And yet I still can’t get one of them to go out with me.

It Costs Less To Live

Where I live, the nearest big city is Calgary. Basically, it costs almost half as much to live where I do compared to Calgary. Here, $300k will buy you a nice family home, completely renovated, in one of the preferred areas of town. My house cost $210k, and it’s a reasonable place with a nice yard that only sometimes smells like cat pee. What does $210k get you in Calgary?

(I just checked. It gets you a somewhat small house in a crummy neighborhood. Or one of approximately 1.54 million condos.)

If my house were to be plunked in a similar neighborhood in Calgary, I estimate it’d sell for about $350k. The difference between a $210k mortgage and a $350k mortgage? Only $700 per month. We’re talking some serious dough here.

If I pay $8400 per year less for housing costs, it means I can make at least $10k less for an income and be in the exact same boat as someone in the big city. If I can manage to make the same amount (which I would if I worked for the government) I’m automatically that much ahead.

And Then There’s The Commute

How long does the average city dweller take to drive to work each morning? 20 minutes? A half hour?

Compare that to my commute. I hop in the chip truck and a whole 2 minutes later I’m at my first stop of the day. Even if I had to drive clear across town, I can do it in approximately 5 minutes. The closest thing we have to a traffic jam is when everyone is leaving the hockey game at once and it takes 5 minutes to drive home compared to 3.

Driving through rush hour traffic is horrible. You’re surrounded by cars, which are usually driven by ugly people. You go forward slowly, then slow down, then go forward slowly again, repeating the process until you’re ready to give yourself a concussion. There’s always some knob who thinks that changing lanes 5 times is going to get him through the maze of cars slightly faster. No wonder people are always so pissed off when they drive.

Us small towners get to avoid that whole experience entirely. How would you like to glide to work in less than 5 minutes?

There’s no public transportation, but that’s no problem. All you’d have to do it get a place relatively close to where you work, and you can easily walk. Everything you need is clustered in one core area, all of which is easily accessible by foot. If you need to make a Wal-Mart run, you just suck it up and pay the cab.

This is why many people who don’t make a whole lot of money end up in small towns. Rent costs less, you can get away with not having a car, and there are usually still plenty of low-paying unskilled jobs to choose from.

What are you waiting for? Come move to my small town, but only if you’re single, female, cute and willing to sleep with me. I’m not liking my chances.

  • http://sustainablepersonalfinance.com/ Sustainable PF

    The Mrs. and I are both public servants in Ontario.  It sounds like our city (Mrs used to call it a town) is a bit bigger than yours however.  We have good jobs and we bought a house that is a 15m walk to work (5m by bike).  No need to start the car up.

    Our house is worth about $300k.  90m down the highway, in the Big Stink (Toronto for those unfamiliar) in a similar central, nice neighbourhood similar properties sell for 1 million to $1.5 million.  Silly stupid.

    Our city doesn’t smell funny (hence reference: big stink).  The traffic is bearable (when we use our vehicle).  Even those travelling from the west or north ends of the city drive MAYBE 15 minutes to get to work if they live on the outskirts of town.  This makes car insurance cheaper too.

    Our city is a gateway to cottage country. 

    Like Nelson, a lot of pick up trucks.  Manufacturing used to be big here in Peterborough but not so much anymore.  Unemployment is high, which sucks for those unemployed.  Good manufacturing jobs have been replaced by icky-Walmart and low pay call centres (yes, some still reside in Canada).

    We like our city of Peterborough.  Close enough to the “city” if we ever care to go (about once per decade) but far enough that the big city woes don’t affect us really.  The restaurants are really good and some decent bands show up from time to time.  We have an OHL hockey team and a lacrosse team – fun, and cheap to watch.

    Smaller centres are highly under-rated.  Don’t bash em ’til you try em.

  • http://www.freewebs.com/rachel-hiking Rachel

    If you want to be able to buy a house and raise a family for cheap, and you have a work industry that’s needed, it makes a lot of sense. But it’s definitely not for everyone.
    I understand for people who enjoy a lot of cultural events that a city is the only way to go, but while I don’t even use any of that, I can’t imagine not living in at least a small city. 
    For me, the whole ‘knowing half the town by association’ feels more intrusive than homey.
    I don’t understand those who buy a huge house out in the suburbs and spend an hour on deerfoot in the morning, but my commute is a 20minute bike ride, and I enjoy it. (15 minute bus ride on days like these).
    I won’t be moving to your small town, but as I have only one of the listed requirements, I’m sure that will be fine. :D  

  • Bojangles

    I’m batting .750 for your criteria…may I still move to your town?

  • Greg

    Just for the record, we at Control Your Cash have never mocked you for coming from a small town. We’ve mocked you for coming from Canada. Hell, one of our principals grew up in a town 1/20 the size of yours (according to the most recent census.)

    Imagine living in New York. 8 million people crammed onto an island the size of a postage stamp. Neighbors above, below and to the sides. You can’t buy more groceries than you can carry in one haul, because you don’t own a car. You get 20 minutes of sunlight a day, because the buildings are so tall. And there might be a doorman, who knows your comings and goings. (“Hmmm…isn’t that a different girl than the one who went up to Nelson’s apartment last night?”) We’d take your town any day of the week. 

     

  • http://money.ramblingfever.com/ Matthew Allen

    OK.  Last week you write a post highlighting how masturbation can be a money saver.  This week you explain how people who don’t make a lot of money end up in small towns.  Put two and two together, and conclude that people who live in small towns masturbate a lot because they don’t have a lot of money to go on dates!  Put that line on The Twitter!

  • Andrew Hallam

    Hey Uproar,

    You still stalking people?  You might do better with these hot babes of finance if you don’t let the competition in on your prospects.

    As always, I enjoyed the read.  And you’re a nut.  But I love that!

    Andrew

  • http://www.FabulouslyBroke.com FB @ FabulouslyBroke.com

    Cost of living is a big deal for sure. I really make it a priority to check the tax rates in each state/province and the general price of food there, to understand what I am getting into.

    As for stalking PFers… well good luck with that, seeing as a lot of us chicks are Anon :)

   
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