(Closed) Torn on where to live, what would you do?

posted 5 years ago in Home
Post # 3
Member
14306 posts
Honey Beekeeper
  • Wedding: June 2011

Where is your FI’s job?  If it’s still in MA, then you wont get away from the income tax, which is really the biggest tax kick.  Sales tax sucks, but it’s not that bad unless you are shopping a LOT, and if it’s really a big ticket item, we make the run up to NH to buy it anwyays.  It sounds like the jobs are more abundant and stable in MA, so I would lean toward that if the housing is still affordable.  Its hard to say wihtout having two homes to actually compare.  I thought taxes would be a lot higher in NH, like double.. my friend in NH has a house that’s half the cost of mine, but same taxes.

Post # 5
Member
6745 posts
Bee Keeper
  • Wedding: June 2014

I commute every day over an hour each way.  It’s the worst experience in my life.  Nothing NOTHING makes up for the time that I lose every day due to my commute.  NOTHING.  Commuting makes me exhausted, cranky and fat.  There actually have been studies that prove this.  Long commutes are worse than short commutes and longer work days.  So, while someone might work 8-6 and be home by 630 and I work 9-5 and get home at 630, I will be more tired, crankier and fatter. 

Also, I believe @pinkshoes is wrong about the income tax.  I believe you pay the income tax of the state you live in.  I’m like 99.9% sure about that. 

I think you need to weigh the pros and cons for yourself.  What is going to make you happier?  A great company with the potential of a great job?  Or living where you have an unknown-job (could be great, could be terrible, who knows?), but more money in your pocket? 

Personally, I would move to NH.  You have a good support system with your friends and family there.  It’s cheaper to buy a house, the property taxes aren’t that much different, it’s cheaper to live in general.  The only con here really is that you have a 90 min commute to your job.  So, stay at your job for as long as you can with your 90 min commute until you find an amazing job in NH.  That’s what I would do. 

Post # 7
Member
427 posts
Helper bee
  • Wedding: September 2012

I probably would move to NH as well. It’s obvious you don’t like living in MA so why would you spend the money on a house in a place you really don’t want to be? A home is a huge investment and if you change your mind you might be stuck.  Yeah 1.5hrs is a lot but it’s doable.  Most of my family in NJ have about the same commute and they do just fine, sometimes it can take even longer, closer to 2 hrs (during the summer).  I agree with @mrskopp2be , work your current job as long as you can until you can find a job closer.

Post # 8
Member
6745 posts
Bee Keeper
  • Wedding: June 2014

@kmarie719:  wow MA sounds like a financial drain.  CT seems to be the same.  I think it’s the liberal states.  Not that I’m liberal or conservative, I feel like I’m in the middle, but glad to be moving from a liberal state to a conservative one.  I’ll be saving a ton of money!  You should def move to NH and save money.  Your commute might suck, but start looking for jobs closer to your house and until you do, remind yourself during your commute about all the money you will be saving by living in NH that can go towards (insert your desire here – vacation? home decor? etc).

Post # 9
Member
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

Hahaha you know basically every state in the union has income tax, sales tax, and bottle deposit, right? MA actually has considerably lower taxes than CA< where I live now (I moved from Boston 3 months ago after 7 years there).

Go with a shorter commute in a place you can afford. Live free or die shouldn’t come at the cost of a heinous commute ;-P

Post # 11
Member
962 posts
Busy bee
  • Wedding: August 2010

I don’t have advice on the buying a house thing…. I currently commute 35-60 minutes (depending on traffic) each way and can’t stand it.  I would personally want to live closer to work, so perhaps you should do some serious job searching in NH – before buying a house – to see if that’s a reality in this economy.

On the tax thing… having lived in NH and worked in MA for years myself, I can attest that you will pay MA taxes throughout the year, however you will receive them all back at the end when you file taxes, as a NH resident.

Good luck whatever you decide to do!

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