11 Things You Should Know Before Moving To A Major City

So you’ve decided to move to a major city like Colorado Springs ! This is probably one of the most exciting and uncertain times in your life. And however scary that may seem, remember that you decided to move to a major city because you wanted more from your life and were determined to get it. Cities are filled with interesting people, places, and food, which is why they’re so appealing to young 20-somethings.If you’re planning on moving to a major city, please keep these 11 tips in mind for what to expect.

1. Only the Tough Survive

If you’re squeamish, hate being inconvenienced, and generally hate being around people ask yourself: is moving to a major city right for me? If not, there is no shame in that. Any city has it’s pros and cons, but ultimately everyone agrees that living in any major city can be very difficult and isolating. I know plenty of friends who have moved to major cities then thrown in the towel months later because they couldn’t handle how overwhelming it can be at times. The city really does separate those who thrive in stressful environments from those who prefer a more laid back sense of being. If you’re moving to the city, be prepared to hustle and never stop.

2. Give Yourself A Year Before It Feels Like Home

If you’re expecting to move to a city and immediately be comfortable and feel like it is your home, you’re in for a rude awakening. The reality is that because major cities are so vast and full of different areas, it can take a very long time before you’re comfortable with your surroundings. Remember to be kind to yourself and try to build a community, give it a year or two before you decide a city isn’t for you; often times people don’t give themselves enough time to adjust before throwing in the towel when they could really learn to love a city. When I first moved to Los Angeles, I hated how crowded and smelly it was, but now it is my home and I wouldn’t have it any other way.

3. Not Everyone Nice Wants To Be Your Friend

Coming from a small town I just assumed everyone was nice to me because I was charming and nice–however I quickly learned that was definitely not the case. The reality is people move to a big city for a reason, so keep that in mind when making new friends. Maybe you’ll be lucky and meet people who are genuinely kind because they love you, but oftentimes people are only nice for networking reasons because they think they can eventually get something out of you like a leg up or connection. It is important to learn the difference between being kind and being opportunistic.

4. Save, Save, Save

Oh, you think you have enough saved for your move? Think again. Finding an apartment or buying your first home, buying furniture, a first round of groceries, setting up utilities, establishing yourself in an area AND making sure you have wiggle room in case you don’t find a job right away is no easy feat. sure there are plenty of Homes for sale in Colorado Springs And while you may think you have enough for rent where you currently live, and a house might seem with in reach, but remember that in most cities an apartment complex or building manager will require at least a first month’s/ last month’s/ security deposit on your new place and the responsibility of owning your own home comes with its own head aches.

5. You Will Need To Be Independent

Don’t know how to build IKEA furniture? It may be time to learn. When you move to a big city you don’t have the community or support system you did at home, which means it is much more likely to be on your own. If this scares you, it shouldn’t! Moving to a large city and Buying a home in Colorado springs is one of the best ways to get a crash course in adulthood. Sure, there will be moments you want to pull your hair out but it is this independent mindset that will allow you to thrive.

6. Learn To Sleep When You’re Dead

I hope you slept enough before you moved here! When you move to a new city you need to log the hours at a new job, setting up your new place, and figuring out how to navigate the sprawling metropolis you’ve decided to call home.

7. Find A Job You Like And Stick With It

I’m no economist, but anyone who has lived in a major city knows that shit is fucked when it comes to the job market. One of the most standard reasons is that major cities attract trust-fund babies who can rely on their parents to intern for free in order to get those coveted jobs you will work your ass off for but will never get. This means that if you’re self-sufficient, the job market is even more difficult. If you move to a major city, keep in mind that there are hundreds of other applicants right behind you who will happily take your place for less money and more hours.

8. Be Prepared To See Some Shit

Any city is not for the faint of heart. Where you grew up with may be quaint and safe, but be prepared to see people do some crazy stuff in any city you decide to move to. Recently I had a guy on a bus I was talking to my local Target perform half the RENT soundtrack to many people’s chagrin for most of the ride. You just have to learn to roll with the punches.

9. You Will Rarely Be Alone

If you’re someone who values alone time remember that that is a hot commodity in any city. If you’re not packed into public transit, you’re sitting in your car in traffic, or hearing your neighbors loudly fight or have sex through your paper-thin walls. If being alone is something you really really need, you’re going to have to find creative ways of getting it.

10. Budget Extra Time To Get Anywhere

If it takes you an hour to get somewhere in the city, make sure you budget an extra 20 minutes for you to get lost or for their to be traffic. When you first move to a major city you’re still trying to figure out how everything works, and traveling is not kind to those who don’t know the area well. Until you know the shortcuts, backroads, and times to avoid rush hour. Eventually, these things will become second-nature but in the meantime don’t stress yourself out even more by not giving yourself enough wiggle room.

11. Remember Why You Came Here

As I mentioned in literally all the above points: living in a major city is very difficult but definitely not impossible. It is important to remember any time you get discouraged or miss the comfort of home why you moved to a big city in the first place. Oftentimes, it is because we want so much more out of life than the one we’re currently living, so we flock to a place that is massive and full of opportunities and weirdness and excitement. Remember why you moved to the city every time you feel down about it, and keep that fire inside you that gave you the courage to burning bright. You will make it, like countless before you have, if you only refuse to surrender.

What to Expect Once You Decide to Let Your Foreclosure Proceed

Foreclosures can be tough. I’ve  been in Colorado Springs foreclosures 

If you don’t fight your foreclosure or take any steps to avoid foreclosure (see our article on foreclosure avoidance options), the foreclosure will move forward on a schedule dictated by your lender’s workloads and policies and the laws of your state. Specific information for your state is in our Summary of State Foreclosure Laws.

The single most important point to understand is that you don’t have to leave your house just because the lender has started foreclosure proceedings. In most states, you’ll probably be able to stay long enough to plan for the future by saving all or some of the money that you’re no longer putting toward the mortgage.

EXAMPLE: Joshua and Ellen got in over their heads and now can’t afford the $3,000 monthly payments on their first, second, and third mortgages. They decide to let the house go. They turn to their state’s foreclosure laws to see how much time they have. They learn that:

  • They can go three months without making payments before they will receive what’s called a notice of default in their state. This notice gives them an additional three months to make things right. If they don’t (and remember, they plan to let the house go), they will have another 30 days’ notice before the house is sold.
  • They can file for Chapter 7 bankruptcy and delay the sale by three more months. Bankruptcy will also let them leave without owing the lender anything.
  • After the foreclosure sale, they’ll probably be able to stay in the house for at least two to three months.

Altogether, they will have at least a year of living in the house without making payments, and if they can save at least $2,000 a month, they will have roughly $25,000 in the bank when they set out to seek new shelter.

Although quickly dropping home values make it increasingly unlikely, you may have some equity left in your home. If you do, the longer you can stay in it payment free, the better chance you have of pulling some of your equity out before finding new shelter. Just do the math: If you have $20,000 equity, your payments are $2,000 a month, and you can stay in the house without making your loan payments for 10 months, you will have succeeded in pulling out $20,000 in equity, so to speak.

How much time you’ll get to remain in your house and how much money you can save (or, if you have any, equity you can pull out), depend on these factors:

  • the amount of notice you are entitled to receive before the lender begins foreclosure proceedings
  • how soon in the whole process you decide to stop making payments
  • whether judicial or nonjudicial foreclosure is used in your state (judicial foreclosures usually take longer than nonjudicial ones)
  • how much notice your state’s law gives you to leave the house after the foreclosure sale (typically, 15 to 30 days)
  • whether part of your strategy involves filing for bankruptcy before the foreclosure sale, which provides an additional two to three months’ delay, and
  • if you file for bankruptcy, how much money you can keep under your state’s exemption laws—it varies from nothing to $50,000.

Your state’s page in our Summary of State Foreclosure Laws will give you an estimate of how long you can remain in your home, as well as how much money you’ll be able to keep if you file for bankruptcy. The most unpredictable factor in arriving at this estimate is whether your foreclosing bank is on the ball in finding new owners for its foreclosed properties or will just let the house sit there unsold whether or not you move out.

If you are looking to buy Foreclosures in Colorado Springs