I want to move out of my parents house for good by the end of the year. I'm doing research to find out what I should be expecting in terms of living expenses and all, but I was wondering; what are some tips to living on your own, or with roommates? What should I be expecting.
To help put my situation in perspective; right now I don't have a job, I do have a car, I have a cell phone, but due to an arguement about me not having a job yet, I'm getting it cut off because its under my father's name. I have a credit card too, but I'm getting it canceled as well, because that too isn't in my name.
I would also like to know what other people went through when they moved out of their parents houses for the first time, I think that would help me the most.
I think you are lucky to be living with your parents and should only move out when its Financially suitable for you. i.e good job. Just to give you an idea: Years and years ago when I started living on my own, I had to pay the following:
Now, there was only me, myself and I, living in the flat. Sometimes, I fell behind, my Dad would send me money from abroad. I was working full time, but the bills were a lot to pay out. It's not easy until you secure a very good Job. (then again may be in America, you'll get financial aid).
Take your time.
Ps: incase you are asking: well, why did you move?
I moved cos I was finding it difficult to get admission into Uni in Africa and I pleaded with my parents to send me back to the UK to get admission here. That's how it started.
Thanks for the insight. I want to start building back up my savings now so I have some cushioning to fall back on, but moving out definitely isn't a must, it's just, I feel like my growth is being stunted by living at home. I like the security and ease of living, but I don't have anything in my name, and menatally, I feel like moving out will help me grow up alot and be more responsible. I did a lot of growing up while away at college, so I feel like I'm menatlly ready, just not financially so.
ANd in this crappy country's economy, I'll be lucky to find a bad job, let alone a good one, lol. But I'm staying open-minded.
you will blossom when you move out---I don't know you but it seems your parents might want to control you a little bit. it will be hard, but it feels good because anything you do, even making mistakes, is YOU and no one can take that away from you. all I can add to what others posted is that once you have a job, take advantage of the situation and save every penny possible. if you need a cell, you can buy a pay-per-use phone at target without a credit card. and when you open a checking account they give you a debit and credit card. you should be able to move out in short order (6 months or so) once you have a job and have saved some money. in the meantime, you can apartment-shop online to get a feel for what's out there. friendships can change when you share a living space together, but if you make sure at the start that all ground rules are clearly established, you should be ok. if you both sign a short lease (6 months), you can always part ways if it doesn't work out. just one thing - the shorter the lease, the higher the rent - that's the only drawback. as for me, i think living alone is the best way to go, unless you have a really good friend who you LIKE being around, etc. or who is never there, heh.
Chaos son. Utter chaos. But you look like a bright lad. Keep your wallet tight and work hard and don't let friends take advantage, and this goes for the female variety too. good luck.
I don't know how old you are, but one way to get out of your parents' house without a job is by going to college, applying for financial aid, and asking that housing be included in it. Of course, if you quit or flunk out you have to pay back the financial aid (and there's really no defaulting on those loans because they'll be after you for the rest of your life, truly). Still, you'd be getting the education AND getting a place to stay. Maybe you could apply for January semester now? (I don't know. I've lost track of when applications have to be in for the different semesters.)
Other than that, you need to live somewhere where you can live free until you do get a job, save up enough money to pay first/last month's rent (etc.); and depending on how much you earn and what rents are where you're looking, you may be better off finding a roommate or two (but they need to be reliable, or you'll end up always worrying because someone moves out, and you can't afford the rent). Of course, you could probably stay at your parents while you're saving up money. If the issue is your not having a job, and you have to get a job in order to move out; then there won't be fighting any more. (Don't be too proud to stay just because they'd be seeing you get the job they've wanted you to get. Both they and you want the same thing for you: To be able to support yourself comfortably and independently, and to get off to the right start in doing that.)
If you're working you should be able to get a credit card, even if it's a "beginner card" (student card type of thing). The big thing is not to do what so many young people do, which is run it up and not be able to pay it off each month.
One big thing young people find is that they often have trouble affording groceries. I didn't know this at the time, but both my sons admitted to eating pasta with catsup on it . One of them was eating pumpkin pie filling out of a can "for nutrition" . Of course, that kind of thing is all part of the "experience" . It's not the most luxurious and easy existence, but young people do it all the time; and they usually find a lot of positive aspects of it too.
I'm 22, and I just graduate from undergrad college. My only choice would be to go to graduate school, but I definitely can't afford that and don't want to ask my parents to help pay for it. Also, I don't think I can take any more forced learning, lol.
It looks like I'll have to stay here at my parents house saving up money in the meantime. My goal is to be out of here by the end of the year, and I would like to go it alone, but I know having a roommate will help immensly.
Finally, I will look into "beginner" credit cards. Luckily, I rarely used the credit card I had before, so I'm not so worried about going crazy with one. I actually hate paying with credit, so it will be interesting to see how that plays out.
Thanks for all your insight, Lisa!
Oh, lisa has good advice!! If your parents are willing to let you stay, while you find a job, take it. My parents kicked me out when I was 19. No school other then high school. I had a job, a bean bag, and a matress. I survived, but it wasnt easy. DONT get a credit card. If you dont have the money for it now, dont get it. trust me, credit cards DO NOT help. use cash, get a job, dont buy things you cnat afford. loose the cell phone if you dolnt ahve a job. get one when you do. Just saying, I am 33 and have been thru all this. I was alive before cell phones were invented, and astonishing as it seems, you can live without one. If you hav epeopel who love you, willing to help, take it!
Lisa, you are lovely! You have a great big heart that loves to help. Luv ya!
Ernest, thanks. What a nice thing to say.
MistHaven, my son has been out of college since 2003, and he still shares an apartment (in a nice enough area) with three roommates (all with at least one degree). He's been promoted a few times, and his salary isn't bad; but rents (and everything else) are high these days. That's why these days there are so many "boomerang kids", who go back home and stay to save money even after graduating. Anyway, good luck.
Hmmmm....a credit card, cell phone, a car and no job? Yup. Time to be moving out and growing up!
I moved out of parents house when I got married, but then later moved back when we all moved to another state. I moved into a tiny little apartment for $250 a month plus utilities. I did ok I guess. I did have a credit card to help me when I needed money or something though.
If you move in with a roomate, hopefully it will be one that you get along with well.
If you are going to be alone, you may wanna get a good paying job and or have someone close to you living with you that you can trust maybe. I had a relative living next to me and we helped each other out too.
A good tip would be to hold onto your money and spend it wisely so that you do not get in a bind.
@cosette: Thanks for the support. I didn't know the length of the lease affected rent. I'm the type who learns best by experience, there's only so much I can get out of reading and researching about something from afar.
@LisaHw: I don't feel so awkward having to come back home after reading your post. I just always envisioned moving straight into my own place after graduation. I didn't plan on this recession hitting so hard, though, lol.
@ralwus: I seem to do well in the midst of chaos, lol. And don't worry, I don't let ANYONE take advantage of me anymore.
@annvans: Moving next to someone you know sounds like a good idea. I plan on getting a credit card, I just don't want to have to rely on that instead of emergency money.
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