should I renew my lease?
TL;DR: Is living in my apartment holding me back? Should I move? I feel like I have a NYC gem.
My (28f) lease renews December 1st
The apartment pros:
-huge 1 bedroom in prime location in Queens. Elevator building, close to train.
-I manage to live by myself
-I live a 10 minute bike ride from my job, <25 min by bus and <30 min by walking. my work location may change in the next few years unfortunately
-2 year renewal is a moderate increase and I may be able to negotiate
-these pros feel impossible to replicate by moving out of my apartment
-no pests, responsive super
-Cat friendly (I have 1)
-I'm comfortable
cons:
-roughly 55% of my monthly income goes to rent. This is after transit, pension and retirement contributions though, and i save in an investment account monthly. I have savings. I don't currently put additional money aside. I don't have debt and I pay my credit card in full. I don't want to have kids or own a house.
⁃ sometimes I wonder what it would be like to live with roommates. I haven't done this since college and I am nervous to start now
- sometimes I want to live in Brooklyn. I don't like the nightlife in my neighborhood and frequently go out elsewhere
- Far from greenspace
- no frills, pre-war apartment but the laundromat is across the street.
⁃ this is the apartment my ex and I lived in for over 4 years.
- I keep my spending tight but don't feel like I'm turning down on much in life. If I had more disposable income I'm sure I would enjoy spending it.
misc.
Lease renewal lines up with a potential turning point at my job. I've waited it out to hit 5 years and become vested in my pension. I don't have my next career move lined up and I could ride out my role for a very long time. Taking a chance on a new living situation is scary. But I can't help but feel like these are all coming to a head at the same time for a reason. That if I continue to choose being comfortable in my life, I'll never be happy. Maybe taking a leap of faith into nothing is just a movie trope when in reality I need a roof over my head, food for my cat, and my electricity bill paid. My heart, mind, and spirit are conflicted.