Affordable Cities in California to Live In

Nothing is more perfect than sun, surf, and nature. These are what we can expect from California, a location where urban and suburban life can both be observed. Although it has a reputation of being one of the priciest states in the country, there are still a few affordable and peaceful spots to live in the Golden State.

When considering the affordability of cities in California, you should not base it entirely on the cost of living. You also need to consider factors such as utilities, food, housing, transportation, and quality of life.

Below are six of the most affordable cities in California. Each of these cities offers great amenities that residents can actually enjoy without worrying about unnecessary costs.

 

Camarillo

Camarillo is considered a bedroom community and is popular for its fabulous shopping destinations in Southern California. There are premium outlet malls that offer plenty of discounts on all kinds of items. Most of the city’s busy life is concentrated in the Old Town area, where a renowned farmers market is normally set up on Saturday mornings. Camarillo also boasts its currently renovated Camarillo Ranch House, which is an old, notable Queen-Anne-style home established in 1892. In Camarillo, the average home value is $456,500 as residents enjoy an average household income of $87,120.

Victorville

Being a medium-sized town, Victorville is also a close-knit community. There are numerous things you can do in this area given that it is only a quick drive away from bigger cities in California. Victorville is known for its arts and entertainment scene with events at Victor Valley College, the San Bernardino County Fair and Route 66 Museum. If you are interested in purchasing property in this area but your budget doesn’t allow for it, you can always seek financial assistance through cash lending programs like car title loans in Victorville, which allow you to get a loan in exchange for your car documents. The median home value in this city is $255,900 while the average household income is $47,142.

Oxnard

Oxnard is located north of Los Angeles, California and it provides a beachfront style of living at an affordable rate. The city is also known for its scenic vistas, local wineries, and golf in Mandalay Beach. The city has also been named as the Gateway to the Channel Islands, a national park and marine sanctuary located nearby. Due to the fertile land that encompasses the city, there are several crops that can be grown in the region. Oxnard is abundant with fresh strawberries and the renowned California Strawberry Festival is held here yearly. The average household income in Oxnard is $62,349 and the median home value is $332,600, which is considered a good deal in the California real estate industry.

Simi Valley

Simi Valley is considered a science hub, a paradise for hikers, and a city where technology is at its peak. The Santa Susana Field Laboratory is located in this city and has been a leader in the field of nuclear and rocket technology. For those who love the outdoors, there is a unique hiking trail system specifically in the less developed areas in the valley. At present, visitors who go here prefer to explore the Ronald Reagan Presidential Library, a testimony to the life and works of the country’s 40th president. Currently, the median household income fluctuates between $89,595 and the median home value is $438,700, which makes Simi Valley one of the most affordable cities in California.

Ventura

Ventura is a city known for its spectacular harbor view. However, having an average household income of $66,484 and the average home value of $428,600 makes the city one of the most affordable cities to reside in California. Aside from this, the local citizens enjoy awesome amenities like Surfer’s Point, which is the place for several surfing competitions, and five college campuses. Ventura’s official name is San Buenaventura, and it is where most of the high-class art galleries, museums, restaurants, and shopping malls are also located.

California is regarded as the home of both  the country’s poorest and richest counties and cities. This means that California has no single cost of living. Therefore, it is best for us to conduct research regarding the living costs and home values of cities in this state for us to assess where it is most affordable to live.

Want to Save Money on Home Insurance? Be Aware of These 3 Tips

To the average American family, a home can be a great asset to have. It can be purchased at a price lower than the market price and resold at a higher markup after some modifications. Or it can be put up for rent, earning passive income over an indefinite term. It can even be sold after being lived in for a family’s lifetime at a decent price, since the market values of homes are almost always appreciating.

But homes can also easily become a financial liability. Purchasing a home does not exactly come at the same price as a cup of instant noodles. Therefore, if something were to happen to it, the financial loss could be crippling. This is where home insurance comes in.

Home insurance is a way to protect the financial investment of a homeowner should their home be damaged or destroyed. While this can be an added financial burden, there are ways to protect a home without breaking the bank.

Consider more than one provider

While there is an average asking price, insurance companies often provide different price points for home insurance. Any homeowner looking to save some dollars on their home insurance policy might want to consider getting a quote from more than one insurance company.

Talk to friends, family, even colleagues on who their providers are. Do research online; the National Association of Insurance Commissioners has resources that can help make the selection process easier. Shopping around can take some time, but it’s well worth the effort.

Bundle your policies

Protecting a home can be financially wearisome, especially if there are other assets that need to be protected. Insurance companies usually offer discounts for homeowners who not only take up a home insurance policy with them, but also get their auto or life insurance policy with the same company. Allstate home insurance quotes, for example, offer a multi-policy discount of up to 25% for homeowners who choose to take up both home and auto insurance with the company. This rate can vary from company to company as well, so again, feel free to shop around.

Raise your deductibles

It may seem counterintuitive to most policy owners, but raising the deductible can actually help lower the cost of having home insurance. For reference, a deductible is the money a policy owner pays out of their pocket when a claim is filed with the insurance provider.

Insurance companies can provide as much as a 25% reduction on the monthly premium depending on how high the deductible is raised. It’s also important to note that raising the deductible can be risky, especially if money equivalent to the new deductible isn’t readily available in your bank account; make sure money gets squared away through automatic savings accounts.

Getting home insurance, and maybe even insurance in general, might not seem like the most important thing to have given all the daily expenses that need to be taken care of. It is however, important to understand the consequence of not having home insurance, as it can lead to serious financial consequences in the long run. Getting home insurance at the most affordable price can be taxing, but getting the same quality of protection for your home at a lower cost is certainly worth it.

Surviving Unemployment: How To Live Without An Income (Temporarily)

Losing a job is one of the most painful experiences that professionals go through. It’s not easy to be told that you’re not needed anymore by your employer. It’s even worse when you’re told that you’re no longer good enough for your company. But that’s just the emotional impact that losing a job has on a person. Time and therapy heal emotional pain, but the financial impact of losing a job can pose danger to you and your loved ones if you aren’t prepared.

It can be difficult to come to terms with your new scenario, but you need to know that it’s a fact of living. Moving on is difficult, whether it’s from a significant other or from employment because you lose the sense of security you once had. But take heart in the fact that it happens more often than you think, and that most people are able to overcome it.

So, where do you begin?

Budget For A Six-Month Unemployment Phase

It’s always wise to plan for the worst. It’s difficult to determine how long you might remain unemployed. You could find a new job in a few weeks or in several months. Whichever the case might be, you’re going to be glad that you have resources that you can use when you need them.

Inform Significant People

Yes, your significant other and your friends and family are among these people you need to inform, but you need to expand that list to accommodate people you have financial dealings with, like your creditors. It’s difficult news to deliver, and you’re bound to get a negative reaction, but it’s not the end of the line for you, especially when you’re able to make effective use of these customer service problem solving techniques.

Informing these people is essential because this allows them to make necessary adjustments to suit your new situation.

Make Lifestyle Adjustments

Minimize expenses by foregoing unnecessary pleasures. You need to accept that you’re not going to be able to enjoy your old lifestyle if you no longer have the means to sustain it.

Make An Active Effort To Find a New job

Send resumés to probable employers, market yourself on the internet, use newspaper ads if you must. Securing a new job should be your top priority. Send 10 applications a day and keep searching until you get hired.

Apply For Unemployment Insurance

If things aren’t looking well, then you might need to apply for unemployment insurance. While I personally wouldn’t do this, it’s good to know that this is a valid option, especially when you’re desperate enough. However you need to be aware that there are conditions that need to be met before you can apply for unemployment insurance.

The primary condition is that the worker must have lost their job faultlessly, meaning that they did nothing that would cause them to lose their job. Therefore, employees who were terminated and those who voluntarily resigned do not qualify for unemployment benefits.

I’ll keep this last paragraph short in the same way that you need to keep your unemployment period short.

Treat unemployment like a transition rather than a problem. There are many people who go through it and end up fine. You shouldn’t be an exception to this, dear reader.