2017 Cost of Living: 4 Steps To Dealing With Rising Prices

2017 Cost of Living: 4 Steps To Dealing With Rising Prices

The Cost of Living Rises Every Year
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With the cost of living rising each year, paying for essentials like housing, food, healthcare and transportation is increasingly difficult. Young adults, service-industry workers and seniors on fixed incomes are finding many of their hometowns untenable due to the rising prices.

According to the Bureau of Labor Statistics, shelter and gasoline indexes raised again as of November 2016. The shelter index rose 0.3 percent while the gas index rose 2.7 percent. These were not the only essentials to rise. Transportation services increased by 0.4 percent as did medical care services by 0.2 percent.

How Cost of Living Compares Throughout the Nation

Using New York City, New York as the control, Numbeo estimates the cost of living for 139 cities. Even cities within the same state can vary widely when it comes to cost of living, rent and groceries.

San Francisco’s cost of living plus rent index is 12 percent higher than New York’s index. If you live in Los Angeles, the cost of living plus rent drops dramatically to 25 percent less than New York and 37 percent less than San Francisco’s index. In this case, Los Angeles is a more affordable city in which to live and work despite it being the home of Hollywood.

If comparing the cost of living index without the cost of rent, you will find that Honolulu is close to the New York City index figures. Springfield, Missouri and Hamilton, Canada are close to 40 percent cheaper on the cost of living without rent index.

The cost of food is also higher in some areas than others. In San Francisco, the grocery index is 10 percent higher than the grocery cost in New York, followed by New Haven, CT, Honolulu, HI and Santa Cruz, CA. Reno, Nevada has a grocery index of 53 percent, meaning the groceries index in the city is 47 percent less than the index for New York and ranked the lowest on that index.

When it comes to the rent index, not including the cost of living, San Francisco tops the list again at 25 percent higher than rent in New York City. Charleston, SC is at 50 percent on the rent index and cities like Dayton, OH and Springfield, MO are around 80 percent less on the rent index than New York.

Steps You Can Take to Manage Rising Costs

With family, school and career centered in a particular city, moving to an affordable area may be out of the question for you right now. There are a few steps you can take to help manage your increasing expenses.

1. Learn to budget efficiently

Keeping track of your expenses can make you aware of extra spending on items you don’t need. You can use this extra money towards your necessities such as rent, utilities, gasoline and groceries. In today’s technological landscape, you can find several websites, software programs and apps that will keep track of your expenses and allow you to set a budget. Some of these programs will sync to your bank account for an accurate picture of your spending.

Consumer.gov suggests gathering your bills together before trying to create a budget.You will also need to include allotments for other expenses such as groceries, gasoline, school supplies, clothes and unplanned events.

Once you have a visual of where your money is going compared to how much income you have, it will be easier to make better financial decisions.

2. Cut out the extra spending

Multimillionaire Dani Johnson refers to extra spending as the “fat” in the household budget. The “fat” is an item not needed like daily trips to the coffee house that add up by the end of the month. It also refers to services that you can scale back to save more money and manage expenses.

For example, if you are having difficulty with the increases in the cost of living, consider reducing your cable package or removing it completely if you don’t really need that many channels.

3. Share your home with other contributing roommates

You may know someone who is trying to find housing in your city or manage the cost of living while working or attending school full-time. If your house or apartment is large enough, consider asking them to split the cost with you. If you rent, your landlord or management office will need to approve of the arrangement, but it may save you at least 50 percent on your household expenses.

4. Increase your income

Applying for a higher paying job or increasing your skill set to obtain a promotion can help you increase your income to make ends meet, however it typically takes time to gain knowledge and experience to move further up the career ladder.

Try incorporating a household budget while decreasing your extra spending until you hear back about that better paying position.

Cover Image Credit: Pexels

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5 Perks Of Having A Long-Distance Best Friend

The best kind of long-distance relationship.
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Sometimes, people get annoyed when girls refer to multiple people as their "best friend," but they don't understand. We have different types of best friends. There's the going out together best friend, the see each other everyday best friend and the constant, low maintenance best friend.

While I'm lucky enough to have two out of the three at the same school as me, my "low maintenance" best friend goes to college six hours from Baton Rouge.

This type of friend is special because no matter how long you go without talking or seeing each other, you're always insanely close. Even though I miss her daily, having a long-distance best friend has its perks. Here are just a few of them...

1. Getting to see each other is a special event.

Sometimes when you see someone all the time, you take that person and their friendship for granted. When you don't get to see one of your favorite people very often, the times when you're together are truly appreciated.

2. You always have someone to give unbiased advice.

This person knows you best, but they probably don't know the people you're telling them about, so they can give you better advice than anyone else.

3. You always have someone to text and FaceTime.

While there may be hundreds of miles between you, they're also just a phone call away. You know they'll always be there for you even when they can't physically be there.

4. You can plan fun trips to visit each other.

When you can visit each other, you get to meet the people you've heard so much about and experience all the places they love. You get to have your own college experience and, sometimes, theirs, too.

5. You know they will always be a part of your life.

If you can survive going to school in different states, you've both proven that your friendship will last forever. You both care enough to make time for the other in the midst of exams, social events, and homework.

The long-distance best friend is a forever friend. While I wish I could see mine more, I wouldn't trade her for anything.

Cover Image Credit: Just For Laughs-Chicago

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Making a Decision: an Indecisive Guide

To all the indecisive people out there: you are not alone

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I am the queen of indecision. For me, making a choice will have me frantically calling both of my parents, asking all of my friends' advice and postponing all studying until the decision is made. Of course, this is because I do not want to make a choice that I regret – such as the time I decided that starting my job at 6:30 am would be a good idea, or the time when I scared my friends with how hyper I was after drinking both coffee and Boba tea. Yet when I take this caution of making the wrong choice too far, the decision-making process itself ends up being regrettable. So much so that I called my mom approximately seven times this weekend to ask her advice on a decision. So much so that my brother used an example of me not being able to choose what kind of shoe I should wear in his article.

This weekend, I was presented with two amazing opportunities to make a difference in the world this summer and I entered a stage of decision paralysis that I did not know was possible. No matter which angle I looked at each situation from, they both would provide me with a phenomenal experience, and would both require sacrifices. Despite not (as of yet) reaching a concrete decision, I learned a lot about the decision-making process and what to do in the next time I am faced with a difficult choice. So, in the spirit of finding summer jobs, gearing up to register for classes and deciding what on earth we want to do with our futures, here are the tips and tricks that I would follow to make the best decision that you can.

Don't overthink it.

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Really, this goes without thinking! Or, unlike most of us, it goes with a LOT of thinking! Seriously though, if you overthink things, they will turn into a pudding mush in your brain until you don't know what you don't know anymore. There is a very fine line between thinking through all your options and overthinking them – and judging by the number of times I called my mom this weekend, definitely crossed it.

Always use the pro-con list

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Ah, the Gilmore Girls. Not only did you inspire me to read every single book under the sun or have a witty conversation full of cultural references no one else understands, but you also taught me the beauty of the pro-con list. Choosing what you want can be messy and difficult to find because of the fears you might have. distinguish from the fears. Writing it all down on paper can often illuminate the right decision and show you which path is ultimately better.

Decide on your make-or-break factor

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Sometimes even the best pro-and-con lists will not be enough and will leave you in a frantic analysis ("should I go for the decision with 3 cons or 3.5 cons?") When even the Gilmore method fails, fear not! Consider which factors you truly do not want to compromise on and go from there. This can mean that even the worse decision may be the right one for you.

Trust your gut

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As much as it is difficult to dig through your feelings to find your true motives behind a decision, your gut can sometimes tell you what you are most passionate about and therefore what decision is best for you to take. As my Emory Reads friends tell me, passion trumps everything. Choosing which decision aligns with your values will often lead you to make the best and most-satisfying decision.

But trust your head as well

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But your gut can't always be trusted. It can lie to you, and when you overthink too much, it can change its mind. Your gut feeling may be one that is furthermore borne out of fear of the other option. In that way, I have made many a good decision based on the pure basis of rationality. Using only our heart to make important decisions allows fear to be one of the factors, whereas looking at the decision rationally can help you see the ultimate path.

Ask around

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When I am puzzled about making a risky decision, I often consult the people in my life who are on my side and want the best for me. These people can help you gauge what your heart truly desires, bring up factors that you haven't considered and even act as a support network for you while making this decision. When your mind kicks into over-analysis, sometimes a fresh perspective is all you need to truly make a confident choice. Decisions are hard, people. Don't make them on your own.=

Don't ask everyone

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There is such a thing as consulting others to make an important decision, and there is such a thing as relying on them to make your decision. If you ask too many people from too wide a pool, you'll end up having opinions for and against what you are proposing, which means that someone will always be disappointed in your decision. The bottom line is, asking too many people for their opinions is frustrating, no matter what – whether they have contradicting opinions, or they just nod their heads and go "hmmm, tough choice" (thanks, I guess?). In order to avoid frustration, consult the people in your life who know you the best and are dearest to you, rather than the stranger in front of you in line for fries at the DUC.

"Would my dad be proud?"

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Or your granddad, or your mom, or your professor, or even a TV character. Whoever you know whose morals you can measure your decision up to will often provide reason and illumination. If the decision you are making is not too wild and you feel that you will have their approval, then it is likely not detrimental.

Stick with your decision!

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Resolutely make up your mind and refuse to turn back. Exercise your right as a free individual to make a choice for yourself, and then do not second-guess it. Please don't do what I did and email a company two days later saying you've changed your mind. Please.

There is not always a right decision

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Sometimes both decisions you are presented with have different but equally good opportunities. In that case, lucky you! You have two amazing opportunities and therefore cannot mess up. Rather than stressing that you are picking the wrong choice, know that you cannot go wrong in either.

Realize you will grow no matter what

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Decision-making should be viewed as a challenge and a privilege rather than a burden. Make big, bold and beautiful decisions. Making up your mind can lead to a phenomenal experience that you will adore or a difficult experience that will only fashion you into a better person. Positive consequences can come out of any decision, even if we land in an upsetting position. Each choice we make can positively contribute to our character, fashioning us into the person we are becoming, day by day.


By the time this article is published, I will know my decision. And hopefully, by the end of this article, you will know yours. Let's continue to make decisions courageously, following both our heads and our hearts. Let's be determined to grow through our decisions, realizing that we have made the best choice we could, and never looking back.

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