5 Tips To Make Living in California More Affordable

California offers moderate temperatures throughout the year, beautiful beaches and a host of amazing opportunities for adventure. It also has a reputation as one of the most expensive places in the U.S. to live. While that reputation is definitely warranted, there are plenty of ways to make living in the Golden State more affordable. After all, not everyone in the state is a tech billionaire or movie star.

1. Choose Where You Live Carefully

Housing will take up the bulk of your budget in most places, and California is no exception. While many experts will suggest you keep housing costs to less than 35% of your income, you may have trouble making that a reality here. Where you choose to live can make a big difference in how much you pay for rent or a mortgage.

There is no doubt that some parts of California where housing costs are prohibitively expensive for most people. However, you can find some affordable locations where the quality of life is higher than the price of rent. Look for cities and towns that offer amenities to fit your lifestyle. If you are an outdoor enthusiast, choose a location near parks or trails. Are you a beach lover instead? Look for a town that allows you to be close to the water. This will help keep other costs, such as entertainment and transportation, under control.

2. Switch to Renewable Energy

Utility costs within many parts of the state are incredibly high. In addition, rolling blackouts are becoming more common as storms and climate change affect utility companies' ability to supply the growing energy demands of residents and businesses. The switch to renewables can help you have a sustained and reliable source of low-cost power. In addition to saving money, California solar power benefits the environment by reducing your carbon footprint.

Solar, wind and geothermal power are all viable options in California. Plus, there are countless incentives and rebates available for people who choose to switch to renewables. Take advantage of these before they are gone.

3. Reduce Transportation Costs

You won't get very far in most of California without a car, but that doesn't mean you need the latest and most expensive model. Older cars with manual transmission have a reputation for longevity and reliability. Plus, they are remarkably fuel-efficient. Instead of taking on a car payment, look at used cars that you can pay for upfront. You may need to put a little aside for upkeep and repairs, but it will undoubtedly be lower than what you would pay for a new vehicle loan.

If you are living within an area that has mass transit, consider using it as your primary source of transportation. Monthly passes can make it an affordable choice and you won't have to worry about getting stuck in traffic. If public transportation isn't an option, look into carpooling options through your workplace or private companies.

4. Spend Time Outdoors

There are so many ways to enjoy the outdoors in California that you are sure to find something to your liking. Towering mountains, redwood forests, beaches, deserts, and pretty much everything in between are all options depending on where you are in the state. And, the best part is that many of them are completely free to visit. That lowers the entertainment portion of your budget significantly.

5. Shop at Regional Markets

Its temperate climate allows California farmers to grow fresh fruits and vegetables all year. Local and regional markets are the best places to capitalize on this benefit. Without middlemen and transportation costs, you can get excellent prices on food products that are at their peak of freshness. Another excellent option is to participate in a local CSA program. Visit out the Department of Agriculture's website to find in your area. You will get the freshest products available and support the local farming community.

Sure, living in California can be expensive. However, there are steps you can take to reduce your costs of living and still maintain your quality of life. Cutting regular expenses and thinking outside the box can help.