{"id":19595,"date":"2024-08-12T04:15:50","date_gmt":"2024-08-12T11:15:50","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=19595"},"modified":"2024-08-18T12:06:20","modified_gmt":"2024-08-18T19:06:20","slug":"why-some-people-who-cut-expenses-to-the-bone-still-cant-make-ends-meet-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id19595-why-some-people-who-cut-expenses-to-the-bone-still-cant-make-ends-meet-2.html","title":{"rendered":"Why Cutting Expenses to the Bone Isn’t Always Enough"},"content":{"rendered":"
\"cutting<\/a>

There’s usually a very good reason why many people struggle to make ends meet, despite cutting expenses to the bone.<\/p><\/div>\n

The other day I was fueling up my car at the local gas station. While I was waiting for the tank to fill, I thought it would be a good idea to get rid of the remains of a ridiculously large bug that was splattered on the windshield.<\/p>\n

Unfortunately, the only squeegee I could find was at another pump island that was occupied by a big ol’ cowboy who was filling up his pick-up truck. (Yes, there are still a few cowboys in my neck of the woods.) So I walked over to him.<\/p>\n

“Do you mind if I use the squeegee?” I said. (I almost ended the question with “partner,” but I figured that would be overdoing it.)<\/p>\n

The rancher squinted and then, for a couple of uncomfortable seconds he just stared at me with his steely eyes. Uh oh<\/em>, I thought. It suddenly crossed my mind that if this guy was in a bad mood and looking for a fight, it wouldn’t be long before that dang bug wasn’t the only thing plastered on my car windshield.<\/p>\n

Thankfully, and much to my relief, the wrangler broke into a wry smile. “It’s a free country,” he said.<\/p>\n

Well … He’s right about that. It is<\/em><\/strong> a free country.<\/p>\n

Let the Excuses Begin<\/h3>\n

Of course, that freedom extends to how we manage our personal finances too — which is why it almost always surprises me whenever I hear people making excuses for why they can’t make ends meet.<\/p>\n

I don’t care how much money you’re earning; unless you’ve been struck by a catastrophic medical condition, are stuck in an extended period of unemployment, or blindsided by another unforeseeable event such as a gold-digging spouse<\/a> who skips town with your life savings, there’s no reason why you shouldn’t be able to balance the bills every month.<\/p>\n

Let’s face it, folks. The reason most people get into financial trouble is because they make lousy choices, and one of the biggest choices we all make that affects our standard of living is where we choose to live.<\/p>\n

Before inflation got out of control and reared its ugly head, I used to explain why people who couldn’t survive on an income of $40,000<\/a> per year had nobody to blame but themselves. That number is significantly higher today; but my point still stands. One of the biggest reasons why people struggle despite earning close to the median income is because, well … it’s a free country.<\/p>\n

Think about it; most of us have the freedom to live wherever we want — especially in the early stages of our adult life. And yet, there are countless numbers of people who insist on living in high-cost-of-living areas even though they lack the means to afford it. Why?<\/p>\n

Where You Live Matters<\/h3>\n

The truth is, when it comes to your personal finances, where<\/em><\/strong> you live is often more important than how<\/em><\/strong> you live.<\/p>\n

Data from the United States Census Bureau reveals just how much disparity exists in the standard of living for the 325 largest metropolitan areas in America. The index measures relative price levels for consumer goods and services such as groceries, housing, utilities, transportation, and healthcare.<\/p>\n

Here is a list of American metropolitan areas with the ten lowest and highest costs of living:<\/p>\n

\"\"<\/p>\n

The nationwide average equals 100 and each score represents a percentage of the national average, so areas with lower scores are more affordable than those with higher scores.<\/p>\n

As you can see, all things being equal, it’s approximately 2.6 times more expensive to live in Manhattan, New York, than Harlingen, Texas. That’s a significant differential — and it’s especially important to keep in mind if you’re, say, a twentysomething<\/a> or somebody who is still trying to figure out where to put down your roots.<\/p>\n

Yes, for many people, living in San Francisco (affordability index: 164.0), Lake Tahoe (146.4), Honolulu (165.7) or the Big Apple is a romantic notion — but it’s not the smartest idea if your household income can’t cover the bills. It’s just not.<\/p>\n

The Bottom Line<\/h3>\n

When it comes to keeping your financial head above water, remember: where you live matters. It really does, folks.<\/p>\n

The good news is, it’s a free country. So choose wisely<\/a>.<\/p>\n

Photo Credit: Phillip Taylor PT<\/a> <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The other day I was fueling up my car at the local gas station. While I was waiting for the tank to fill, I thought it would be a good idea to get rid of the remains of a ridiculously large bug that was splattered on the windshield. 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