This is extremely relevant to my interests. Before I was even engaged, I made the mistake of falling in love with one specific, very unique dress that turned out to retail for $5,200(!). In the months since the proposal, I've been monitoring pre-owned wedding dress sites in an effort to buy it resale, but because I am a giantess, I'm limited to dresses that have never had the hem taken up, so it hasn't really been working out. This very morning I decided that I am just going to go to David's Bridal and buy a Vera Wang White gown, which would be $1500 at the absolute most...even if I could buy a sample of the other one, it would be absolutely insane to spend 20% of my budget on a dress.
I would pay off my student loans and car loan. I'd still be about $700 short, but close enough!
One plus of SF is, if you are willing to live with roommates, you can typically find a room in a house that has been rented by the same master tenant for several years and thus effectively pay whatever the market rate was that many years ago. Rent control allows rents to be raised only a very small amount each year, so finding something in the $750-1000 range is possible (though HIGHLY competitive, think 100+ people showing up for open houses, etc.), However, if you are looking to rent a new place cheap, I wouldn't even bother with the Fillmore (getting trendy) or the TL (many parts are not safe). I'd look at the Sunset, the Richmond, or maybe the way outer Mission if you don't like being enveloped in fog 80% of the time.
This is really interesting to me. I have a degree in journalism like many of the writers and commenters on this site, but I got a corporate marketing job pretty much straight out of college and have never even for a second considered freelance writing in the seven years since. To me, the financial security is so much more important than any semblance of control I might get from being my own boss. The only situation in which I would be open to freelancing would be after having kids, and assuming my husband's income would give us a solid safety net. But till then, I'd rather work for someone else, make a quite a bit more money than I'd be likely to make on my own, enjoy my awesome corporate benefits (preferably until after I have had any children I plan to have because $$$$ hospital bills!), and consider that possibility once I actually have some offspring who might benefit from me having a more flexible schedule. Incidentally, this is why I have a really hard time relating to the New York writer community-focused content on this site and would love to see more from people who have made more diverse career choices. I know some people manage to do super well for themselves freelancing but I would just be so stressed out all the time, trying to hustle for the next job.
@deepomega I actually disagree...at present my entire supply of cookware consists of a cast-iron skillet, an enameled saucepan, and a stockpot, all three of which are Le Creuset, and they are a million times better than the shitty pots and pans I had before I moved cross country. Worth every penny, especially if you get them on sales from the outlet or cutleryandmore.com.
I have a standing desk and I love it. Some days I stand all day, and when I do sit, it's never for more than an hour. An anti-fatigue mat is key though...it takes all the pressure off your joints so it's not nearly as tiring.
@selenana In many places I am sure that would be the case, but I think it's mostly about preserving the character of the neighborhood. One good thing about San Francisco is that so many people are so dedicated to exclusively patronizing small businesses that chains don't tend to push local places out here.
@aeroaeroaero That's exactly where I'm talking about. I'm not bummed about Chipotle per se...I would never go there with the abundance of taquerias right there and Little Chihuahua half a mile a way. But that space has been beleaguered anyway, and I just don't see what could successfully fill it but some type of formula retail. Like, it's just sitting empty for years on end...wouldn't it be better to get someone in there and, I don't know, create jobs?
This is only tangentially related, but there is a restaurant space in my neighborhood in San Francisco that has been empty for two years now, and sometime in the past year Chipotle announced their intent to move in. The fury was incredible and ultimately their application was denied by the planning commission because of some new policy about formula retail concentration. The thing is though, the location is in a super high traffic area and I can only imagine the rent must be exorbitant, so I can't imagine what besides formula retail could even go in there unless it was like, spearheaded by some celebrity chef and thus all but guaranteed success. It just doesn't make sense to me. Chipotle is a hell of a lot better than most formula retail...and now it'll probably just remain empty for another two years.
I can't believe I missed this post yesterday! Anyway, in the past month I was able to pay off the last of my credit card debt. My Chase Visa had a balance of $996.57 in June, and now it is at $0! I am so excited about this...only two years ago I was well over $20,000 in credit card debt, and it still seems kind of surreal that I was able to pay it down in such a short amount of time (thanks partially to luck, but also to a lot of hard work and budgeting). My joy is somewhat mitigated by the fact I do have an American Express bill due for $1868.24 thanks to freaking wedding season...but I will pay that off in full, and then I will really feel like I am consumer debt free.