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Don’t sleep on North Dakota.

Known as the hidden treasure of the Midwest, North Dakota is full of natural beauty, historic allure and modern conveniences. As more people discover the benefits of residing in the Peace Garden State, pinpointing the best places to live in North Dakota becomes increasingly essential. From cities steeped in history and picturesque towns beside expansive lakes to thriving economic centers, this state presents a ton of pristine living options.

  • Population: 126,748
  • Average age: 31.4
  • Median household income: $60,243
  • Average commute time: 15.0 minutes
  • One-bedroom average rent: $976
  • Two-bedroom average rent: $1,044

Often heralded as one of the best places to live in North Dakota, Fargo strikes an impressive balance between traditional midwestern charm and a forward-thinking atmosphere. With North Dakota State University fueling the city’s innovative spirit, the city simultaneously retains its historic heart, showcased in the well-preserved downtown architecture and the timeless appeal of the Red River Valley Fair.

There’s never a dull moment in Fargo, thanks to its eclectic mix of theaters, art galleries and events that rival much larger cities. The winters, though cold, come alive with community-led ice skating and snowboarding, while the warmer months are replete with lively street fairs and farmers markets. Foodies, too, find solace in Fargo’s evolving culinary scene, where traditional American fares comfortably coexist with international delicacies.

  • Population: 74,138
  • Average age: 37.4
  • Median household income: $75,715
  • Average commute time: 18.3 minutes
  • One-bedroom average rent: $995
  • Two-bedroom average rent: $1,030

As the state’s capital, Bismarck is the hub of political activity and offers residents the opportunity to engage closely with the state’s governance. The iconic Art Deco state capitol building, often referred to as the “Skyscraper on the Prairie,” stands as a testament to the city’s deep-rooted political legacy while overlooking the picturesque Missouri River.

The city’s parks and trails offer endless exploration possibilities throughout the changing seasons. A ton of local eateries serve everything from hearty North Dakotan classics to contemporary dishes, while local theaters and events keep the community spirit alive and buzzing. Hoping to get away for a weekend? The Bismarck Airport gives you access to the rest of the country in mere hours.

  • Population: 58,781
  • Average age: 29.4
  • Median household income: $53,611
  • Average commute time: 13.1 minutes
  • One-bedroom average rent: $925
  • Two-bedroom average rent: $1,125

Celebrated as one of the best places to live in North Dakota, Grand Forks masterfully combines a strong academic focus with a touch of classic Midwestern charm. Home to the University of North Dakota, the city enjoys the youthful energy and innovation associated with a collegiate atmosphere, resulting in a thriving local arts scene, cutting-edge research initiatives and an influx of diverse perspectives.

The Red River, which gracefully meanders through the city, provides a scenic backdrop for a range of recreational activities, from serene riverside picnics to invigorating water sports. Downtown Grand Forks is a delightful blend of historic buildings, contemporary shops and quaint restaurants that offer everything from traditional comfort foods to more avant-garde culinary experiments. Seasonal events, like the Greenway Takeover Festival, have solidified Grand Forks’ reputation as a community that knows how to come together and celebrate.

  • Population: 47,789
  • Average age: 32.1
  • Median household income: $68,543
  • Average commute time: 18.4 minutes
  • One-bedroom average rent: $935
  • Two-bedroom average rent: $1,015

Minot has a captivating mix of military significance, due to its proximity to Minot Air Force Base, and the warmth of small-town living. Dubbed “Magic City” because of its meteoric growth during the railroad era, Minot remains a beacon of rapid development and dynamism, giving residents an environment of opportunities and progress.

Scandinavian Heritage Park stands as a unique testament to the city’s rich ancestral ties, displaying enchanting replicas and monuments from Nordic countries, a nod to the region’s strong Scandinavian influence. Meanwhile, the annual North Dakota State Fair in Minot is an event like no other, drawing crowds from all across the region.

  • Population: 27,332
  • Average age: 30.9
  • Median household income: $75,061
  • Average commute time: 14.6 minutes
  • One-bedroom average rent: $825
  • Two-bedroom average rent: $995

Williston serves as a crucial nexus of the state’s thriving energy industry due to its position within the Bakken oil fields, making it attractive for young people looking for employment opportunities and relatively low home prices. This energy hub is not just about industry; it presents an intriguing blend of historical significance and a pulse of modern growth. The city has experienced waves of expansion and opportunity, all while maintaining a communal atmosphere that welcomes longtime residents and newcomers alike.

The city’s location near the confluence of the Yellowstone and Missouri Rivers provides a scenic landscape for various outdoor activities, from fishing trips to tranquil riverside contemplations. Moreover, local events, like the Band Day Festival, showcase the city’s commitment to community engagement and celebration.

  • Population: 25,167
  • Average age: 32.6
  • Median household income: $70,391
  • Average commute time: 15.2 minutes
  • One-bedroom average rent: $900
  • Two-bedroom average rent: $1,000

Consistently acknowledged as one of the best places to live in North Dakota, Dickinson is a gem situated at the gateway to the ruggedly beautiful Theodore Roosevelt National Park. The city seamlessly intertwines its rich past as a historic railway stop with its present-day significance in the energy industry, primarily due to its location within the Bakken oil formation. This combination ensures a dynamic local economy while preserving the charm of its heritage.

Outdoor enthusiasts consider Dickinson a true haven, given its proximity to the Badlands, which offers a striking landscape for hiking, horseback riding and wildlife spotting. Within the city limits, the Dickinson Museum Center showcases impressive prehistoric finds, a nod to the region’s fascinating geologic history.

  • Population: 24,447
  • Average age: 35.6
  • Median household income: $74,341
  • Average commute time: 17.7 minutes
  • One-bedroom average rent: $925
  • Two-bedroom average rent: $1,100

Mandan possesses a distinctive allure rooted in its rich history and scenic landscapes. As the seat of Morton County, this town has deep historical ties, especially with the indigenous tribes of the area, and remnants of this legacy can be found in places like Fort Abraham Lincoln State Park, once the home of the 7th Cavalry.

The city’s picturesque setting along the banks of the Missouri River presents countless opportunities to enjoy the great outdoors, from boating to fishing, ensuring residents are never short of nature-infused activities. Downtown Mandan offers a delightful selection of shops, restaurants and events, bringing the community together in celebration and camaraderie.

  • Population: 15,750
  • Average age: 37.9
  • Median household income: $49,038
  • Average commute time: 12.2 minutes
  • One-bedroom average rent: $790
  • Two-bedroom average rent: $780

Affectionately known as “Buffalo City,” Jamestown earned its moniker thanks to the presence of the National Buffalo Museum. This connection is made even more tangible by the presence of a live herd, including the famous rare white bison, residing on the edge of the city.

But the bison isn’t Jamestown’s only claim to fame. The city is adorned with the Jamestown Reservoir and its series of lakes, giving residents and visitors ample space for boating, fishing and kicking back under the North Dakota sun. Meanwhile, the historical 1883 Stutsman County Courthouse provides a glimpse into the area’s past, reflecting the city’s enduring commitment to preservation.

  • Population: 6,559
  • Average age: 39.7
  • Median household income: $54,629
  • Average commute time: 15.4 minutes
  • One-bedroom average rent: $470
  • Two-bedroom average rent: $590

Recognized as one of the best places to live in North Dakota, Valley City carries the charming title of “City of Bridges” with pride. This nickname comes from the many historic bridges that span the Sheyenne River, each with its unique design and story, creating picturesque vistas throughout the town. These bridges not only serve as functional connectors but also as a symbol of the city’s commitment to preserving its architectural legacy while fostering connections among its residents.

Surrounded by the scenic beauty of the Sheyenne River Valley, the city provides a tranquil environment complemented by resources for fishing, hiking and more. Valley City State University adds to the town’s dynamic energy, infusing it with academic prowess and events.

  • Population: 7,182
  • Average age: 40.7
  • Median household income: $40,037
  • Average commute time: 14.3 minutes
  • One-bedroom average rent: $565
  • Two-bedroom average rent: $645

Devils Lake holds a magnetic appeal with its beautiful lake and the plentiful outdoor adventures it offers. The town is enveloped by the stunning beauty of the Devils Lake Basin, which not only provides a haven for anglers, boaters and nature enthusiasts but also reflects the town’s resilient spirit in adapting to the lake’s fluctuating water levels.

The community in Devils Lake is closely knit, with residents taking pride in their hometown, enthusiastically supporting local businesses and coming together for numerous annual events. The town’s historic downtown area, coupled with its many shops and restaurants, provides a serene setting for leisure and socializing. Education is given prominence, with the local college serving as a hub for learning and community events.

Your new North Dakota apartment awaits

North Dakota stands out as a state that seamlessly merges gorgeous vistas with dynamic communities. For those seeking a mix of nature, history and modern attractions, North Dakota is a top contender.

The best places to live in North Dakota beautifully capture the state’s unique appeal, making every resident feel right at home. Whether you’re captivated by the historic bridges of Valley City or the fishing paradise of Devils Lake, there’s no question that there’s an apartment in North Dakota that’s perfect for you.

Source: rent.com

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Your house, your rental income and your future.

In the age of Airbnb, listing your home, property or apartment for temporary and long-term renting is a unique way to generate income while stepping into property management shoes. Listing your property, which may initially sound simple, requires meticulous management, organization skills and a general understanding of landlord-tenant law. The worthy feat of generating income through property rental is gaining popularity, particularly in areas where housing is in high demand.

Explore the comprehensive guide below to understand the process of renting your house and assist in developing an efficient property management strategy. These step-by-step instructions are tailored to assist both novice and seasoned property owners in maximizing the benefits of the significant endeavor that is the rental game.

Renting out your house: a step-by-step guide

Follow these steps to ensure you and your potential renters gain the most from the renting experience. In addition to optimizing your earnings, acquire the know-how to increase your visibility, ensure compliance with legal regulations and cultivate essential management abilities.

1. Understand local laws and regulations

Before you embark on your property management journey, it’s imperative to research and familiarize yourself with local laws and regulations around renting. Here are some rules, regulations and definitions to understand concerning renting out your house while playing by the rules.

Fair Housing Act: This federal law prohibits discrimination against housing applicants on the basis of race, color, religion, national origin, disability, sex, age or familial status (e.g., women who are pregnant, families with small children or teenagers, etc.).

Fair Credit Reporting Act (FCRA): Credit and criminal background checks are subject to federal regulation known as the Fair Credit Reporting Act (FCRA). Its many provisions include the following requirements:

  • You must notify applicants in writing and get their written permission before running any check on them.
  • If you decide to reject an applicant based on the findings of a credit report or background check, you must notify the applicant of your intent in writing, furnish them a copy of the report and give them a reasonable amount of time (a week suffices) to respond with a correction or explanation of the report’s findings.
  • After that period, upon consideration of any response you get from the applicant, you may notify them in writing of your final decision.

“Fair chance” laws: This isn’t a federal law, but a growing number of states and cities have enacted these measures to prevent discrimination against persons with prison records. Specifics vary by jurisdiction, but most of these laws forbid asking about past criminal convictions or incarceration on housing applications.

Protect yourself by consulting your legal advisor to see whether any fair chance laws apply to you, and how they might affect your tenant-screening process. Avoid exposing yourself to legal liability as well by utilizing professional background-check companies or consulting legal advice further.

2. Prepare your property

Staging your property and making it suitable for renters is the next step. Ensure any broken appliances are fixed, messes tended to and any recommended enhancements are made. Completing some market research to see similar rental properties to yours (properties that have similar offerings like bedroom and bathroom numbers or properties in the same location) can be helpful in terms of improvements or enhancements to make to your rental property.

Secure landlord insurance as a part of your preparation step. Landlord insurance is a specialized policy that safeguards property owners from potential financial losses and liabilities when renting out their residential properties to tenants. It typically covers property damage, liability protection and loss of rental income due to covered events.

3. Set a competitive rental price with our rent estimator tool

Continue your market research in this step to determine the ideal price range for renting out your property to temporary tenants. Utilize this rent estimator tool to assist you in valuing your property for rent price.

4. Draw up a lease agreement

Draft a comprehensive lease agreement that clearly outlines the terms and conditions of the rental, including rent amount, security deposit, lease duration and any rules or policies for the property. Ensure that it complies with local and state laws.

5. Create your listing

Once you know what you’re charging for rent, you’re ready to get to the heart of marketing the property online: putting together a listing that will entice tenants into renting out your home.

The key to a great listing is communicating the unique advantages of your property in a way that attracts the right kind of tenant. Namely, a tenant who will be dependable and take care of your property as if it were their own.

A Rent. survey found that most seekers of single-family rental (SFR) properties are married or in domestic partnerships (62 percent), have children (61 percent) and have pets (54 percent).

Regardless of who you are renting out your home to, it’s important to highlight what’s most likely to resonate with your ideal tenant. Here are some potential features to consider when renting out your home.

  • Schools: Each Rent. listing automatically displays GreatSchools.org ratings for schools closest to each property. If nearby schools get high marks, consider highlighting them in your property description and noting if any are within walking distance.
  • Parks or playgrounds: If there are parks or playgrounds nearby, mention them and how long it takes to walk or bike to them. If you pique any rental seekers’ curiosity, they can use the map embedded in the Rent.com listing to explore via Google Street View.
  • Pet-friendliness: If you plan to allow pets on the property, make sure you include this in the listing, along with any breed restrictions info. Call out relevant details that will be of interest to pet owners (e.g., nearby pet-friendly parks, fenced-in yards, doggy doors, etc.).
  • Neighborhood highlights: Call out nearby landmarks, much-loved hangouts or transportation conveniences like a train or subway stop and include a picture. Don’t forget to call out the distance from your property.

6. Market your property

Share your listing across ILS networks to cover a lot of the heavy lifting, but you can also share links to your Facebook and Instagram accounts. Try using Facebook Marketplace to limit the post geographically (and to reach potential tenants you aren’t friends with on Facebook).

Once you’ve posted one and shared it across multiple ILS sites and social media, you’ll likely be moving on to the next phase of the rental process: choosing the best tenant from among the applicants who are interested in your rental listing.

7. Screen and collect

Develop a tenant screening process that includes background checks, credit checks and references. This will help you select reliable tenants who are more likely to pay rent on time and take care of your property. Once you find a suitable tenant, collect a security deposit and the first month’s rent from your tenants before they move in. Make sure you follow local laws regarding the handling of security deposits.

Once tenants are inhabiting your rental property, it’s imperative to stay responsive to maintenance requests from your tenants. Timely repairs and maintenance will help keep your property in good condition and your tenants satisfied.

8. Maintain your rental property

Regular maintenance tasks include keeping the property in good repair, addressing maintenance requests promptly and conducting routine inspections to identify and address issues before they become major problems. Timely maintenance is important because it minimizes the risk of costly repairs down the road. Make sure to stay up to date with local regulations and safety standards as well to ensure that your rental property remains compliant and safe for renting out.

Renting our your house made easy

Renting out your home, in the age of Airbnb and VRBO, is an exciting time and journey to embark on. Once you estimate your home using our rent calculator tool, draw up your lease and prepare your property, the rest of the process involves meeting and vetting potential tenants. Sharing your home, community and amenities is a unique job that just about anyone can do, using this article.

The information contained in this article is for educational purposes only and does not, and is not intended to, constitute legal or financial advice. Readers are encouraged to seek professional legal or financial advice as they may deem it necessary.

Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.

Source: rent.com

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Inside: Intuit bought its popular Mint app and now it shutting down leaving users scrambling to find an alternative. This guide will help you understand Intuit’s decision to move Mint to Credit Karma and provide a list of alternatives for personal finance management.

In an era where personal finance apps are thriving more than ever, the shutdown news of Intuit’s Mint app comes as a shock for many.

When I heard the news, I couldn’t believe my ears… moving Mint’s feature to Credit Karma – a credit repair app?!?!

Once I got over the shock, I knew you wanted the best information out there to decide on what to do next.

Our guide here is dedicated to helping Mint users navigate the ongoing changes and prepare for what’s next in their personal finance journey.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

The Downfall: Intuit’s Decision to Shut Down Mint

Mint has always been a beacon in the realm of top budgeting apps; mostly due to the fact it was free.

However, Intuit’s decision to close Mint marks the end of an era. Yet, there is a teaser… Mint is propelling people to Credit Karma.

Here is a statement in the Mint App News:

“Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma, where they will have access to Credit Karma’s suite of features, products, tools and services, including some of Mint’s most popular features.”

Mint App News1

Mint’s commendable service, free albeit with ads, which has been helping many people manage their finances effectively, will be missed by Minters—time to understand why this happened.

Why is Mint Shutting Down?

Credit: Intuit MintLife 1

A surprising fact is that a free personal finance app like Mint isn’t a sustainable business. Most free apps have marginal direct costs associated with their services, unlike personal finance apps. They heavily rely on expensive data aggregators to gather the necessary financial data, causing a steady revenue loss for Mint per free user.

Intuit’s model has never been able to cover these costs leading to a revenue crisis. That was a key reason why I believe Intuit decided to shut down Mint. While Intuit denied Mint’s expenses being material in their quarterly earnings calls in 2023, they did note however they are looking to grow their consumer base across all of their products. 2

The Controversy Surrounding Mint’s Shutdown

While the financial reason behind Mint’s closure is understandable, this decision has provoked a wave of consternation among the users. Massive user outcry on Reddit underscores the integral role Mint played in their lives, and some even accuse Intuit of abandoning its commitment to free financial management resources.3

Given the fairly recent acquisition of Mint into Intuit, this may be surprising for many including these Twitter users.10

When is Mint shutting down?

Yes, Mint is being shut down. Mint’s curtains will be drawn on January 1, 2024.

From this date, users will no longer be able to access their accounts or use any Mint services as we know them today.

So, don’t be caught off-guard; stay prepared and choose the right alternative before Mint bids adieu. We have other options below to help you guide this transition.

Mint User’s Guide: Next Steps to Credit Karma

Okay, one piece of advice I always give at Money Bliss is to plan and carve your own money journey. So, let’s move from panic to planning:

What should Mint users do now?

It’s natural to feel perturbed by Mint’s shutdown. Yet, the smart step is to immediately switch to planning mode.

Some crucial actions include exporting your transactions from Mint for future use and deleting your account once you have secured all necessary information.

In this interim period, also make sure to explore personal finance app alternatives, considering their features and support services, to find one that fits your needs perfectly.

Starting Afresh: Alternatives to Mint App

In light of recent events, here are the best apps available for Minters.

Switching to a new personal finance app might feel daunting initially, but there’s no need to worry. This era offers a wide array of options, many of which employ advanced technology and provide a user-friendly experience.

Look for apps that offer seamless data importation from Mint with a CSV file, comprehensive financial overview, dependable security features, and preferably, competitive pricing as well.

Diving into Details: A Comparison of Mint Alternatives

When comparing Mint alternatives, consider factors such as user interface, functions, cost, and customer feedback. Each app has its unique strengths.

For instance, YNAB stands out for budgeting, and Quicken shines in terms of portfolio management, while Simplifi offers a user-friendly interface. You may pick a budget app based on your budgeting preference, such as budget by paycheck or zero based budgeting.

Research thoroughly to find the app that delivers your personal financial needs the best.

YNAB

YNAB, or You Need a Budget, stands out for its award-winning budgeting system. It’s not a clone of Mint, but rather, it takes a unique approach to helping people proactively track spending and work towards financial goals.

YNAB stands out in personal finance management since it allows for utmost user control with its four simple pillars:

  1. Give Every Dollar a Job
  2. Embrace Your True Expenses
  3. Roll with the Punches
  4. Age Your Money

Additionally, YNAB presents flexible customization options for category names, a feature that enhances user experience, along with an open-source toolkit for extensive reporting while maintaining supreme user data privacy.

  • Learning Curve: YNAB requires diligence and customization in its early stages, but offers a robust set of personalized budgeting tools once users cross the learning curve.
  • Import Existing Mint Transactions: Yes 4
  • Price: Free 34 day trial and then a subscription-based model of $14.99 monthly or $99 annually.

Most people struggle with YNAB because of the steeper learning curve as well as getting one month ahead on their money. This is YNAB’s rule #4 to age your money, which is a smart money move and one we do personally.

No need to compare YNAB vs Mint anymore.

YNAB

Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances. 

Pros:

  • Comprehensive approach to budgeting, helping you plan monthly budgets based on your income.
  • Offers expert advice, making it suitable for those who require an in-depth, forward-thinking budgeting strategy.
  • Superior synchronization skills make it the winner in this area.
  • YNAB has extra features like goal setting for budgeting, shared budgeting tools for partners.
  • Option to manually add and upload transactions from accounts each month.
  • YNAB prioritizes user privacy.

Start 34 Day Free Trial

YNAB vs Mint

Simplifi

Simplifi by Quicken is a budgeting app that strikes a fine balance between complexity and simplicity.

Cheaper than a gallon of gas per month, Simplifi by Quicken a great bargain that offers a clean, intuitive, and clutter-free interface. It allows users to effortlessly track their spending, monitor savings goals, capture bills, and more.

  • Learning Curve: Simplifi is smooth due to its user-friendly interface and detailed instructions
  • Import Existing Mint Transactions: Yes 6
  • Price: Starting at $2.39/ month for new users

Simplifi has been rated as a preferred choice for people who want a fuss-free app to manage finances.

simplifi

Manage your money less in 5 minutes each week.

Reach your money goals with confidence!

“The easiest, most comprehensive way to both see where your money is going and plan for future expenses.”

Start FREE Trial

Quicken

This is the personal finance software I have been using for over 25 years.

Quicken offers robust personal finance management tools that make it easier to track expenses, income, and investments. Many people complain their budgeting feature isn’t up to par, but their cash flow reporting overcomes this as you can see your spending and plan accordingly.

  • Quicken Classic Deluxe: Robust & feature-rich | Best for power users
  • Quicken Classic Premier: Robust & feature-rich including investment| Best for serious users
  • Quicken Classic Business & Personal: Best-in-class business features integrated with our flagship personal finance product

Quicken might be the most suitable option for current Mint users due to its compatibility and ease of use. Unlike Mint, Quicken is not free, but its expansive features such as detailed expense tracking, report generation, and robust investment tracking arguably justify the cost. Plus you can add attachments of receipts into the transactions.

  • Learning Curve: Quicken may present a significant learning curve for beginners.
  • Import Existing Mint Transactions: Yes 5
  • Price: Starts at $4.19/ month for Quicken classic for new users. All plans have a 30 day money back guarantee.

It’s a perfect match for anyone requiring a comprehensive personal finance tool. You can sync between multiple devices as I covered in my Quicken review.

Quicken

Personal finance and money management software allows you to manage spending, create monthly budgets, track investments, retirement and more.

I have used this platform for over 20 years now.

Pros:

  • Birds-eye view of your complete financial picture.
  • Conveniently download your spending activities, and automatically categorize them (Quicken connects to over 14,000 financial institutions).
  • Track investments with it’s features like portfolio analytics, retirement goals, and market comparison.
Cons:

  • Little complex to use at first, the learning curve is moderate.
  • Yearly subscription-based model to use the platform.

Save 40% on New Memberships

Our Review

Monarch Money

Monarch Money’s unique selling point is its robust data connectivity. Armed with state-of-art financial transaction infrastructure that integrates with various data aggregators, Monarch promises effective budgeting and financial planning. It’s not free but offers a 7-day free trial to test its features.

Its subscription charges are $14.99 per month or $99.99 per year, a fair trade for its impressive service.

This is the latest top budget app to surface as true competition.

  • Learning Curve: Monarch Money boasts an intuitive and user-friendly interface, making the learning curve minimal and easy for new users.
  • Import Existing Mint Transactions: Yes 7
  • Price: Try Monarch Premium for free for 7 days. Then choose between the $14.99/month or annual $99/year plan.

Monarch Money facilitates financial planning with goal setting and forecasts, allows Mint transactions importation for history preservation, has customer-driven rapid development, provides a multi-user platform for collaborative financial management, is available across multiple platforms, and provides efficient customer service.

Tiller Money

Tiller Money might be the perfect solution for spreadsheet enthusiasts. This unique budgeting tool uses spreadsheets to manage finances and daily transaction updates. It is highly customizable with categories and reports to help you stay on top of your spending.

Tiller Money is a definite contender in the personal finance app scene.

  • Learning Curve: While Tiller Money requires a basic understanding of spreadsheets, users can easily customize it to suit their personal budget needs.
  • Import Existing Mint Transactions: Yes 8
  • Price: Starts with a free trial for 30 days and then charges a reasonable annual fee of $79.

A notable feature is its ability to pull and categorize credit card transactions, providing an in-depth view of spending habits.

Tiller Money

Your financial life in a spreadsheet, automatically updated each day. 

Tiller is the fastest, easiest way to manage your money with the unlimited flexibility of a spreadsheet.

Update your finances in one place, so you can take control of spending, optimize cash flow, and confidently plan your financial future.

Pros:

  • Tiller automatically updates Google Sheets and Microsoft Excel with your latest spending, balances, and transactions each day.
  • No more tedious data entry, CSV files, or logging into multiple accounts.
  • You can customize everything and finally track your money, your way.

Try Tiller Free

Empower

Empower, formerly known as Personal Capital, is a comprehensive personal finance app that provides tools for managing income, expenses, assets, and liabilities.

With its intuitive interface, Empower users can seamlessly track their spending, create custom budgets, and even get insights into their net worth which can be updated on a monthly basis, thereby aiding in effective financial management. Additionally, their retirement planner is one of the best available – plus for free.

  • Learning Curve: Empower has a relatively intuitive interface, making the learning curve fairly manageable for new users.
  • Import Existing Mint Transactions: No 9
  • Price: Free to use

The downfall is Empower provides wealth management services, so there is a heavy sales pitch to bring assets under management.

Empower

Empower offers powerful tools to help you plan your investment strategy along with basic budgeting features and a great net worth tool.

As a free app, Empower can help you to save money, save time, and even make more money.

Get Started

Empower Personal Wealth, LLC (“EPW”) compensates Money Bliss  for new leads. Money Bliss  is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.

How to Move From Mint to Credit Karma?

Yep, I gave you the alternatives to Mint first.

Yet, the goal for Intuit is to move to Credit Karma. The core issue right now is while we do know which features will be transferred from Mint to Credit Karma. We are not sure as Minters if we will like the new layout and features offered with Credit Karma.

Right now, the budgeting feature will not be offered at Credit Karma, which I know for many Money Bliss readers is a big feature lost.

Learn more on how to move from Mint to Credit Karma.

Intuit’s Current Portfolio of Products

Intuit buying out Mint in 2020, you may be wondering about the current products offered by Intuit. 10

Intuit offers a range of financial and tax preparation products, including

Most notable is the success of TurboTax and Credit Karma.

Frequently Asked Questions

Once Mint shuts down, it’s crucial to know that Intuit will no longer have access to your financial data. All account and transaction information associated with your Mint profile will be deleted permanently from Mint’s databases.

To prevent any loss of important financial information, make sure to export all your transactions from Mint before the shutdown date arrives.

This highlights the importance of regularly backing up financial data as you may not know the next steps a company has for their product.

Yes, you can migrate your Mint data to a different personal finance app before Mint shuts down.

After you export your transactions from Mint, you can then import them to your new finance management app, ensuring you seamlessly carry over all essential financial information and continue managing your finances smoothly. However, bear in mind that the steps to do this may vary depending on the app you choose as your next financial companion.

Coping with the Closure: Dealing with the Loss of Mint

For long-time Minters, Mint’s shutdown can feel like losing a trusted companion. It’s natural to feel a sense of loss and uncertainty. I completely understand. That is why I haven’t switched from Quicken because of the long-term history.

However, remember that technology promises continual growth and evolution. There are numerous other personal finance apps out there, likely even better ones suited to your needs.

So, take a deep breath, do your research, and move on to the next chapter of your financial journey with confidence.

Source

  1. Intuit MintLife. “Intuit Credit Karma welcomes all Minters!” https://mint.intuit.com/blog/mint-app-news/intuit-credit-karma-welcomes-minters/. Accessed November 1, 2023.
  2. Intuit. “Event Details – Intuit Investor Day 2023.” https://investors.intuit.com/events-and-presentations/event-details/2023/Intuit-Investor-Day-2023/default.aspx. Accessed November 1, 2023.
  3. Reddit. “Thoughts on the Mint shutdown from Monarch CEO (and first Mint product manager.” https://www.reddit.com/r/mintuit/comments/17llnbu/thoughts_on_the_mint_shutdown_from_monarch_ceo/. Accessed November 1, 2023.
  4. YNAB. “File-Based Import: A Guide.” https://support.ynab.com/en_us/file-based-import-a-guide-Bkj4Sszyo. Accessed November 1, 2023.
  5. Quicken. “Quicken for Windows: Importing Address Book Records From Another Program.” https://www.quicken.com/support/quicken-windows-importing-address-book-records-another-program. Accessed November 1, 2023.
  6. Quicken Simplifi. “How to Manually Import Transactions.” https://help.simplifimoney.com/en/articles/4413430-how-to-manually-import-transactions. Accessed November 1, 2023.
  7. Monarch. “Move data over from Mint to Monarch.” https://help.monarchmoney.com/hc/en-us/articles/4411877901972-Move-data-over-from-Mint-to-Monarch. Accessed November 1, 2023.
  8. Tiller. “How to Easily Export Mint Transactions to a Spreadsheet.” https://www.tillerhq.com/exporting-mint-transaction-data-into-a-google-sheet-spreadsheet/. Accessed November 1, 2023.
  9. Empower. “Am I able to see more than 3 months of data in Empower Personal Dashboard after I first link my account?” https://support-personalwealth.empower.com/hc/en-us/articles/201170160-Am-I-able-to-see-more-than-3-months-of-data-in-Empower-Personal-Dashboard-after-I-first-link-my-account-. Accessed November 1, 2023.
  10. Intuit MintLife. “Intuit to Acquire Mint.com.” https://mint.intuit.com/blog/press/intuit-to-acquire-mint-com/. Accessed November 1, 2023.

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Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

Apache is functioning normally

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The thing that drew me to early retirement is freedom, and that’s still the best part of it. 

Back in 2005, the primary reason for this freedom-seeking was being able to devote my best hours to being a Dad – I had a feeling my career in tech would be too demanding to sustain once the full-time job of raising children kicked in.

Eighteen years later, wow has that guess ever turned out to be right. Early retirement has proved to be the most amazing, worthwhile adventure and it’s still just getting started. It was an astonishing thirteen years ago that I wrote to you about Little MM starting kindergarten, and now he’s done with high school.

It has given me the space to enjoy so many new experiences, working hard and playing hard sometimes, but also slowing things way down when necessary, to deal with and grow through some real hardships.

But now, with that child-raising phase finally almost done, I’m cashing in a few of those Freedom Chips for a particularly big change: moving to a warm sunny place for the winter to try out a new life in the walkable, bikeable, car-free community you’ve probably heard me raving about in the past: Culdesac Tempe.

So on the first of December I’ll be packing up the essential clothes, tools and gadgets, and throwing my very best mountain bike onto the Model Y to make the epic road trip across the mountains. Just in time to escape the incoming Colorado winter. And my son will be joining me for the trip!

Heading West…

We’ve booked ourselves a spacious two bedroom apartment there, for four full months. Little MM will be roughly alternating his months between Arizona and Colorado so he can still have time with both parents, while I’ll be there the whole time. 

A big part of the fun is that this will force me to invent a whole new life for myself, away from the easy comforts of the big community and plentiful construction sites that keep me so busy here.  It will be both a big change and a significant challenge, which is exactly what all of us need on a regular basis to keep life full of meaning and joy. 

So What Are You Going to Do in Arizona?

Looking forward to replacing this with a *real* Arizona mountain biking picture I will be taking soon.

The exact details are still in the works, and I’d love to hear your ideas and feedback (see the “get in touch” note below. But here’s what I’ve got so far:

  • Meet as many new people as possible, and answer the burning question we all have: what kind of people choose to move to a car-free neighborhood in the center of a super-car-based metropolis?
  • And of course hang out with existing friends who live in the area – did you know our own Coverage Critic (aka Chris Smith) already lives in Culdesac?
  • Share some of the experiences, whether good or bad, here on MMM and on places like Twitter and Instagram so you can live vicariously through this experience.
  • Use my newly liberated extra free time to visit their kickass on-site gym to get in extra good shape. 
  • Use more of that free time to write more blog posts and sweep some of the cobwebs off of this neglected online persona of mine.
  • Look at the weather app on my phone periodically to cackle at the blizzards I’m missing in Colorado and celebrate my good fortune in comparison (the typical “winter” day in Tempe is typically in the mid-70s which means sandals and palm trees and outdoor dining the whole time)
  • Host a few meetups in Culdesac’s outdoor plazas like we did last March
  • Start a quirky free handyman business where I help new residents set up their IKEA furniture and move heavy stuff and hang paintings, as a combo of meeting people and being useful and exercising my compulsion to build stuff.
  • Ride bikes! A lot. Explore the distant corners of the Phoenix metro area and the surrounding desert valley and mountain trails on mountain bikes, regular bikes, and the e-bike that comes included with the first 200 Culdesac apartments.
  • And perhaps most importantly, help my almost-adult son get all sorts of new experiences during his visits, by living in a brand new city for the first time since he was born waaaay back in the same era as my own early retirement.
One of Culdesac’s main “parking lots”, adjoining a restaurant patio
My future gym (specifically the stuff in the far background)

Is There a Bigger Picture To All This?

Okay, you’re onto me. If I’m going to go to the trouble of typing shit into the computer and sharing it with you, there’s usually a purpose behind it other than just journaling my own personal life, and this another one of those cases. 

First of all, there are the first-layer selfish goals: I want to have the best winter ever, meet a bunch of smart new people, and I also want Culdesac to be a huge success so they will build more neighborhoods like this around the country and set an example that permanently improves the way US cities build and expand themselves in the future.

Much Better than Parking Lots

But even if you don’t care about all that, I also want to use this as a little statement about trying deliberate life changes.

By throwing myself into a new community which aligns so nicely with my own values, I hope to serve as a reminder that maybe you might want to try the same thing. Or just try anything new.

In a comfortable, prosperous country like ours, some of the built in tendencies of Human nature tend to work against us, saying,

“Hey – I’ve noticed we have plenty of food and reasonable shelter and that’s good enough.
So let’s just double down on the Netflix, comfort foods, and occasional luxury purchases and that will keep us safe.”

Instead, I want you to set your life treadmill to just a bit of a steeper, healthier incline setting.

That means questioning the status quo and doing your best to keep at least one little experiment on the go in the background. Maybe that means forcing yourself to move to a better place, or taking steps towards getting a new job that gives you a better work-life balance.

The biggest move I ever made was leaving family and friends and my old job behind to move to the US, alone, at age 24. Looking back, I’m shocked I had the courage (and the organizational skills) to pull that off back then. I’ve become older and a bit slower, and so comfortable that it’s hard to imagine doing something so bold now.

But even today 24 years later, I thank my past self every single day for doing it. My present life is an incredibly different and better thing because of that past bit of courage.

The spirit of positive experimentation might also mean starting to challenge your body more regularly – giving it harder work and exposing it to a wider swath of temperatures and movements. Or joining new Meetup groups to expand your circle of friends and experiences. 

It doesn’t really matter exactly what you do, as long as you point your feet in what feels like a good direction and just start moving. Create some purposeful change, which will surely feel a bit difficult, simply because change is hard. And hard things are good. 

Future Arizona Neighbors: I’ll see you in four weeks!

Further reading: I’ve been reading books, doing life experiments, and writing about the value of strategic hardship for a while now. But the latest is a book called Dopamine Nation by the talented psychiatrist/author named Dr. Anna Lembke.

To summarize: your brain creates a baseline for happiness based on the HARDEST thing you do, and then compares everything else to that. So if you do hard things, life in general seems fantastic because of this perspective. If you eliminate all hardship, suddenly even the pleasures of life seem bland, and you live a spoiled and unmotivated life.

To get in touch: send me a DM on Instagram or use the email address “newsletter” at the domain of this website. (Newsletter subscribers can also just reply to this post if you received it via email.)

Interested in stopping by for your own Mini Culdesac Experiment? They have a few short-term rentals available at rather reasonable rates (less than nearby hotels) – check em out at book.culdesac.com

What will you do with your car?

I’m bringing the car just as a convenient electric moving truck to carry two people and four months of living supplies. Once I get there, I’ll find a safe place to store it offsite* and live the full car-free lifestyle of Culdesac, much like I do when I’m here at home. I typically only use cars to carry really heavy stuff or for trips to other cities and states, but it’s even easier to accomplish this in Tempe with its location right on the light rail and with their onsite bike, scooter and even car sharing lots.

What about your house?

My place in Colorado is currently set up as a two bedroom house on the main floor, plus an apartment with a separate entrance on the walkout lower level. When I’m at home, I use the whole thing as one home – the apartment just makes a great place to host a fairly constant stream of visiting friends. But for the winter I’m hoping to rent out one of these spaces to a friend or trusted acquaintance who will take good care of everything, while I leave the other section free for the occasional visits I’ll be paying to this area over the winter. Aside from keeping an eye on the place, it will be a great way to practice the age-old Mustachian technique of making money while taking vacations!

What Happens at the End of March?

As it stands, I have no plans beyond this point. I’ll head back to Colorado for my home base, but with this being a new phase of life I’ll be layering on new adventures. Aside from the two mountain properties that I’ve been helping to build out, I just teamed up with a friend to help him create an intentional (and somewhat experimental!) living community in Denver called Wild Life Ranch. 

We’ll have to cover more of that in a future article, but the basic idea is that he is converting a 13-acre former horse ranch in a relatively prime part of the Denver area, into a future village of higher-end tiny houses and other dwellings. These will be arranged around nice common amenities with a big emphasis on people actually enjoying the process of living together, as opposed to just living separately side-by-side as we tend to do in normal neighborhoods.

*Got any suggestions or want to rent or barter me a nearby driveway space at your place? Please get in touch!

Source: mrmoneymustache.com

Apache is functioning normally

The Second City will take first place in your heart.

Chicago, often referred to as the “Windy City,” stands as the most populous city in Illinois, the third-largest by population in the U.S. and one of the most significant in terms of culture, amenities and overall influence. It’s home to comedy clubs where famous entertainers like Tina Fey and Steve Carell got their start. Because it’s the birthplace of some of the nation’s most diverse and storied architecture, moving to Chicago will give you iconic images such as the Willis Tower (formerly known as the Sears Tower), Tribune Tower and the Cloud Gate sculpture within reach of your apartment.

Plus, the vibrant sports scene in Chicago offers you both the Chicago Cubs to the Chicago White Sox, leading to some interesting debates among fellow Major League Baseball enthusiasts. In basketball, the Chicago Bulls often dominate United Center, and hockey fans can cheer for the Chicago Blackhawks.

Yet, Chicago offers much more than just its well-known landmarks, attractions, sports and deep-dish pizza. The city is divided into several neighborhoods, each with its unique character and claims to fame.

To provide you with a glimpse of the city overall, here are some essential data points:

  • Population: Approximately 2,700,000
  • Population density (people per square mile): Around 11,800
  • Median income: $63,153
  • Average studio rent: $1,800
  • Average one-bedroom rent: $2,200
  • Average two-bedroom rent: $2,800
  • Cost of living index: 115

These statistics should give you a better understanding of Chicago’s demographic and economic landscape as you consider your move. But they’re only the beginning to truly understand what it feels like to live in Second City. Let’s keep going.

Chicago neighborhoods to explore

Chicago has often been called a “city of neighborhoods” for its diverse communities. The city’s extensive transit system seamlessly connects these unique pockets of culture and community, making it easy for residents and visitors alike to explore the richness of Chicago’s neighborhoods. Here are just a few of our favorite ‘hoods to kickstart your exploration:

Pilsen

Nestled in the heart of the city’s Lower West Side, Pilsen is a neighborhood that wears its Mexican heritage proudly. The streets are adorned with colorful murals and vibrant storefronts, creating an atmosphere that transports you to another world. This neighborhood is known for its welcoming community and delicious Mexican cuisine.

Top Pilsen apartments:

Wicker Park

Located to the northwest of downtown Chicago, West Town’s historic Wicker Park is a bustling enclave of creativity and artistic expression. Its streets are lined with trendy boutiques, hip cafes and art galleries. Wicker Park is the perfect place to immerse yourself in the city’s alternative culture and enjoy a thriving music scene.

Top Wicker Park apartments:

Lincoln Park

With its leafy streets and historic brownstones, Lincoln Park offers a taste of classic Chicago charm. Named for Chicago’s most heavily used park, this North Side neighborhood is home to the city’s eponymous park, a sprawling green oasis along Lake Michigan’s shoreline. Here, you can explore the Lincoln Park Zoo, soak in scenic lake views, and visit the Peggy Notebaert Nature Museum.

Top Lincoln Park apartments:

Hyde Park

Situated on Chicago’s South Side, Hyde Park is a neighborhood steeped in history and academia. It’s home to the University of Chicago, which has a stunning campus reminiscent of a European village. Hyde Park’s cultural offerings include the Museum of Science and Industry, as well as beautiful lakeside parks like Promontory Point.

Top Hyde Park apartments:

Logan Square

If you’re seeking a neighborhood that exudes creativity and a vibrant arts scene, look no further than Logan Square. Located on the city’s Northwest Side, it’s known for its artistic community, craft breweries and an array of eclectic restaurants. The historic boulevards and the iconic Logan Square Monument add to the neighborhood’s unique character.

Top Logan Square apartments and rental houses:

Pros and cons of Chicago living

This bustling metropolis nestled along the shores of Lake Michigan offers a unique blend of advantages and drawbacks for those considering calling it home.

Pros:

See why life is good for those living in America’s third-largest city.

Cultural diversity and the food scene

Chicago is a melting pot of cultures and traditions. It’s a city that celebrates its immigrant history, resulting in a vibrant tapestry of languages, cuisines and lifestyles. From the lively neighborhoods of Pilsen and Chinatown to the historic communities of Ukrainian Village and Little Italy, Chicago offers endless opportunities to immerse yourself in different cultures.

Public transportation much better than national average

Chicagoans enjoy a robust public transit system, making it easy to navigate the city without the need for a car. The Chicago Transit Authority (CTA) operates an extensive network of buses and “L” trains that connect various neighborhoods. This accessible and affordable transportation system helps reduce the hassle of daily commuting.

Cultural attractions

Chicago boasts world-class cultural institutions. The Art Institute of Chicago houses an extensive art collection, while the Museum of Science and Industry offers interactive exhibits. The city also features renowned theaters like the Chicago Symphony Orchestra and the Steppenwolf Theatre Company, ensuring there’s always something to do for culture enthusiasts.

Lakefront beauty

Chicago’s stunning lakefront, with its picturesque parks and beaches, provides a serene escape from the urban hustle and bustle. Whether you’re strolling along the Lakefront Trail, lounging at North Avenue Beach or enjoying the greenery of Grant Park, you can always find a tranquil spot to unwind.

Cons:

No place is perfect. Make sure these potential cons aren’t dealbreakers for you if you’re planning on moving to Chicago.

Cost of living

Chicago has a relatively high cost of living. Rent, groceries and other daily expenses can add up quickly. While it may not be as expensive as some other major cities like New York — in fact, it’s about 45% lower — newcomers should be prepared for the financial challenges of funding life in a major metropolitan area.

Just how high is Chicago’s cost of living? Though not Willis Tower high, expect to pay nearly 20% extra than the national median. According to Redfin, “the cost of living is 19% higher than the national average. Housing costs in particular are 50% more than the national average… Additionally, everyday expenses such as groceries, transportation and healthcare are generally pricier in the city.”

Crowded areas

Chicago is a densely populated city, especially in neighborhoods like the Loop and River North. During peak hours, crowded streets and packed public transportation can be a common occurrence. Opting for less densely populated neighborhoods like Hyde Park or Lincoln Square can offer a bit more breathing room.

Urban realities

Living in a big city like Chicago comes with the typical challenges of noise, congestion and a fast-paced lifestyle. For those accustomed to smaller towns or quieter environments, the bustling streets and constant activity of the city may require an adjustment period. And as anyone who migrates to this city might tell you, traffic here carries its own set of challenges.

The Windy City offers a diverse and dynamic urban experience with its own set of advantages and challenges. It’s a city where culture thrives, public transportation excels and beautiful lakefront escapes await, but it also demands adaptation to a higher cost of living and the realities of big-city life. Visiting Chicago and exploring its neighborhoods can help you determine if this dynamic city is the right place for you to call home.

Cold winters and other unpredictable weather

Living in Chicago can be a rewarding experience, but its cold, harsh winters and unpredictable weather can be a notable drawback. Winters in the Windy City are characterized by bone-chilling temperatures, heavy snowfall and biting winds that can make daily life challenging, and frosty breezes from both the Chicago River and Lake Michigan only compound the issue.

These unpredictable weather patterns can make planning outdoor activities or even just daily routines a bit of a gamble, with sudden temperature fluctuations and unexpected storms keeping residents on their toes. While Chicago offers many attractions and a vibrant culture, its winters and weather can be a formidable con for those who prefer milder climates.

Ready to feel the Midwestern warmth of the Windy City?

Are you contemplating a move to the vibrant and iconic city of Chicago? If so, you’re embarking on a journey that promises an array of opportunities and experiences that are truly second to none.

Chicago, renowned for its stunning skyline, diverse neighborhoods and rich cultural and architectural heritage, is an exceptional place to call home. Are you ready to pack your bags? Take a look at our Chicago apartments for rent.

The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

Apache is functioning normally

Delaware may be one of the nation’s smaller states, but it certainly packs a punch in character and opportunity. From its strategic location on the East Coast and tax-friendly policies, to its vibrant communities and natural beauty, there is much to appreciate about life in the First State. However, like any location, living in Delaware has its share of drawbacks. In this Redfin article, we will look at what it’s like to call this state home, exploring the unique pros and cons of living in Delaware. So whether you’re looking for homes for sale in Wilmington, apartments in Dover, or just want to learn more about the area, join us as we embark on a journey through the First State.

Pros of living in Delaware

1. No sales tax and other great tax benefits

One of the standout advantages of living in Delaware is the absence of a state sales tax. This unique feature sets Delaware apart from many other states in the U.S. Residents of the “First State” can enjoy tax-free shopping, making their dollars stretch further and saving significantly on everyday purchases, big-ticket items, and even luxury goods. Additionally, the state does not tax Social Security income, and no inheritance or estate tax exists. These favorable tax policies contribute to a lower overall tax burden for individuals and families, offering an attractive financial incentive for those who appreciate keeping more of their hard-earned income.

2. Proximity to major East Coast cities

Delaware’s prime location on the East Coast offers a significant advantage to its residents. Positioned between the bustling urban centers of New York City and Washington, D.C., Delaware provides quick and convenient access to these metropolitan hubs’ cultural, economic, and professional opportunities. The state’s well-connected transportation infrastructure, including I-95 and Amtrak, makes commuting or weekend getaways a breeze. This geographic advantage allows Delawareans to enjoy the benefits of living in a more relaxed and affordable environment, while still having the vast array of amenities and services of major cities just a short journey away.

3. Beautiful coastal areas

The state boasts a stunning stretch of coastline along the Atlantic Ocean, featuring pristine beaches such as Rehoboth, Bethany, and Dewey Beach, each with a unique character. These coastal havens offer opportunities for sunbathing, swimming, water sports, and scenic walks along the boardwalks. Additionally, Delaware’s coastal areas are home to picturesque fishing villages like Bowers and charming beach towns, each exuding a sense of nostalgia and offering delectable seafood dining options.

4. Historic charm and cultural heritage

As one of the original 13 colonies, the state boasts a rich legacy celebrated through numerous historic sites and museums. Delaware enchants residents with its rich tapestry of history, ranging from the charming colonial-era buildings in New Castle to Dover’s pivotal role in early American history. Its charming historic districts and landmarks provide a living connection to the past, while cultural festivals, arts communities, and educational institutions help foster a dynamic appreciation for heritage.

5. Sense of community 

Delaware’s residents often praise the state’s strong sense of community, fostered by numerous small towns and close-knit neighborhoods. Communities frequently unite for local events, festivals, and volunteering, reinforcing neighborly bonds and nurturing a supportive, inclusive atmosphere. The state’s modest size maintains this sense of connection even in larger cities, ensuring a network of support and meaningful relationships. This pervasive sense of belonging significantly enriches residents’ quality of life, adding to Delaware’s charm and making it an inviting place to live.

Cons of living in Delaware

1. High cost of living in certain areas

While Delaware offers diverse, appealing features, including its tax benefits and coastal beauty, it’s not without drawbacks, particularly concerning the cost of living in specific areas. Sussex County, famed for its scenic coastal communities, experiences a cost of living approximately 3% higher than the national average, driven in part by the elevated demand for housing in these picturesque towns. The state’s median sale price, at $341,500, is lower than the national median of $412,001. However, the median sale price in Lewes soars to $596,000, underscoring the considerable discrepancy in real estate costs. This higher cost of living in select areas can pose financial challenges for residents, affecting housing affordability and everyday expenses but there are many affordable places to explore.

2. Limited public transportation options

One notable drawback of living in Delaware is the limited public transportation options, particularly in some less urbanized areas. While the state’s metropolitan regions offer some public transit services, like Dover, which has a transit score of 28, the coverage and frequency of these systems can be limited. This leaves residents in more rural or suburban areas reliant on personal vehicles for commuting and daily transportation. This lack of extensive public transport can lead to increased traffic congestion, higher commuting costs, and limited accessibility for those who do not own a car.

3. Extreme weather fluctuations

Delaware’s weather patterns are characterized by extreme fluctuations, which can be a considerable con for residents. The state experiences all four seasons, but their transitions can be abrupt and unpredictable. Winters can bring heavy snowfall and cold temperatures, while summers can deliver sweltering heat and high humidity. Although often pleasant, the spring and fall seasons can also be marked by sudden weather changes, including severe thunderstorms and even hurricanes in some years. These rapid shifts can challenge planning outdoor activities and dressing for the day.

4. Coastal flooding and hurricane risks

With a significant portion of the state’s population concentrated along the Atlantic coast, Delawareans are more exposed to the potential consequences of coastal flooding and hurricanes. During hurricane season, the state faces the risk of severe storms and rising sea levels, which can lead to flooding, property damage, and displacement of residents. While the state has implemented measures and emergency response plans, including potential evacuation protocols, the recurrent threat of hurricanes can be a cause for concern, impacting both homeowners and the overall quality of life.

5. Smaller job market

The number of job openings and career advancement prospects can be more limited than larger metropolitan areas. The state’s compact size also means that commuters often look beyond Delaware’s borders for job options, adding to the complexity of the employment landscape. Consequently, career growth and industry diversity can be challenging, making it more difficult for professionals in certain fields to find their desired positions within the state.

Pros and cons of living in Delaware: Bottom line

Ultimately, the decision to call Delaware home depends on individual priorities and preferences. For some, the state’s serene coastal beauty and tax benefits may outweigh the disadvantages. For others, the challenges may weigh more heavily. Ultimately, living in Delaware balances the pros and cons to create a unique and fulfilling lifestyle in the “First State.”

Source: redfin.com