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4 Best Cities for Millennials Paying Off College Debt

4 Best Cities for Millennials Paying Off College Debt

We millennials are a diverse group, and nobody knows this better than we do. Even so, there are some things that we can all unite around, things that every one of us gets. These Millennial factors are making a huge difference in our moving trends. Here’s what Millennials are thinking about in a move and which cities provide the best environments for emerging adults.

Paying Student Loans

Student debt seems to be the one unavoidable facet of Millennial life. Some people like to write the growing debt off as the laziness of our generation, but we know better. We know that we’re out there busting our asses and looking for the most effective ways to get our debt paid off, and fast.

Turns out, this is having a huge impact on the cities that we like too. Millennials are loving these often overlooked cities with lots of great employment opportunities and a low cost of living; the perfect storm for quick loan repayment.

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Raising a Family

It’s tough to raise a family these days and nobody knows that better than new parents. Choosing the best city to raise a family in is hard work. Aspiring parents should focus on cities that offer good schools, quality children’s healthcare, and tons of other parents in the exact same situations that you’re in. And don’t stop at high school education when looking for a city with good local education facilities. We know all too well that having to look out of state for a good university can be financially devastating.

Although we don’t think of it as having a huge direct impact, a city that’s easy on parents is critical as well. Look for cities that will treat you right and avoid triggering that ‘angry mom’ gene.

Cities with Culture

All those student loans weren’t for naught. Millennials are by far the most educated generation ever and our taste for culture is reflected in that. We’re not satisfied with earning a paycheck and then plopping down in front of the tv. Millennials love food, wine, music, and everything else that goes into a highly cultured city. We’re not afraid to move into a fixer-upper, if it means living in a city with a well-established cultural base.

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Unfortunately many of us have seen firsthand that our top cities for culture, like New York or Washington D.C., are way out of our budget. Meanwhile, the cheapest cities aren’t always the most family-friendly. The best cities for Millennials have to bring it all together into a well-wrapped package. Taking everything above into account, here are my top four cities for those of our generation.

1. Houston

This is no shocker. Ranking well in all three of our factors, Houston is quickly becoming a top city for young people. Its prime gulfside location keeps a steady flow of unique culture coming into the city, not to mention loads of great fish to fuel our shared craving for late night sushi. There can’t be any other city in the world, where you can get incredibly fresh sushi and authentic Texas barbeque on the same block.

On top of that Houston had a remarkable 3.7% unemployment rate in 2015, almost two percentage points below the national average.

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2. Dallas

It seems fair to say that Texas, once the paradigm of rural America, is making a name for itself in in the urban domain. First Houston and now Dallas, another hub of culture and beautiful mixing place for North and Central America. Add to that Dallas’s award-winning schools and its healthy 3.8% unemployment and you’ve got another great match.

3. Boise

I’ve gotta throw in a little hometown pride here. Boise isn’t quite the metropolis that popular Northwest cities like Seattle and Vancouver are, but it’s also not so remarkably unaffordable. Millennials are starting to realize this and Boise is growing like crazy, creating interest in new commerce centers and bringing great culture into the city. Local entrepreneurs are also taking advantage of the boom with popular destinations like the Boise Fry Company.

If that’s not enough, Boise beats every other city on this list with a whopping 2.6% unemployment and tons of affordable housing.

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4. Philadelphia

The only Eastern city on this list, Philly sets itself apart from its neighbors with affordable housing. It packs all the cultural punch of New York or Boston without the huge price tag. There’s absolutely no doubt that Millennials are already making their mark in Philadelphia and taking advantage of a world class city, at a discount.

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Last Updated on June 19, 2019

How to Practice Positive Meditation in 2 Simple Steps

How to Practice Positive Meditation in 2 Simple Steps

Just by simply spending some effort and time, staying positive every day can be easily achieved. All that is required is a fraction of your time, 10-15 minutes a day to cultivate the positive you!

But first, what is really positive thinking? Do you have to be in an upbeat, cheerful and enthusiastic mood all day to be positive minded?

No. Positive thinking simply means the absence of negative thoughts and emotions – in other words, inner peace!

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When you are truly at peace within yourself, you are naturally thinking positively. You don’t have to fight off negative thoughts, or search desperately for more positive thoughts. It just happens on its own. And here are 2 positive thinking meditation tips to empower you:

1. Relax as You Meditate

A powerful, simple yet rarely used technique is meditation. Meditation doesn’t have to take the form of static body posture. It can be as simple as sitting in a comfortable chair listening to soothing music. Or performing relaxation techniques such as deep breathing exercises.

Meditation is all about letting go of stressful or worrisome thoughts. That’s it! If you spend just a few minutes per day feeling relaxed and peaceful, you automatically shift your mind into a more positive place. When you FEEL more relaxed, you naturally THINK more positively!

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Start with a short period of time, like 5 or 10 minutes a day. You can meditate first thing in the morning, during your lunch break, right before you go to bed at night, or any time. The most important thing is to consciously let go of unproductive thoughts and feelings. Just let them go for those few minutes, and you may decide not to pick them back up again at all!

2. Practice Daily Affirmations

Positive affirmations can be used throughout the day anywhere and at anytime you need them, the more you use them the easier positive thoughts will take over negative ones and you will see benefits happening in your life.

What are affirmations? Affirmations are statements that are used in a positive present tense language. For example, “Every day, in every way, I’m getting better, better and better” is a popular affirmation used by the late Norman Vincent Peale.

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So how does one go about using positive affirmations in everyday life? Let’s look at some guidelines to follow when reciting your daily affirmations.

  1. Use first person pronouns in your message (I)
  2. Use present tense (I have)
  3. Use positive messages (I am happy)
  4. Repeat your affirmations on a consistent basis

Affirmations have to be said with conviction and consistency. Start your day by saying your affirmations out loud. It wouldn’t take more than 5 minutes to repeat your affirmations; yet when done consistently, these positive affirmations will seep into the subconscious mind to cultivate the new positive you.

Here’s an example of a “success affirmation” you can use on a daily basis:

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I am successful in everything I do. Every venture I get into returns wealth to me. I am constantly productive. I always perform to the full potential I have and have respect for my abilities.
My work is always given positive recognition. I augment my income constantly. I always have adequate money for everything I require. I spend my money prudently always. My work is always rewarded.

You can find more examples here: 10 Positive Affirmations for Success that will Change your Life

Remember, affirmations work on the basis of conviction and consistency. Do yourself a favor and make a commitment to see this through.

Begin practicing these positive thinking tips right now. And I wish you continued empowerment and growth on your positive thinking journey.

More About Positive Thinking

Featured photo credit: Jacob Townsend via unsplash.com

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