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  #11  
Old 04-28-2013, 09:23 PM
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Laurelin Laurelin is online now
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I moved 'out' when I went to college but housing was still payed for by my parents. After college I moved back for a couple months then moved out into a townhouse where I've lived for a couple years. I try for about 20-30% in rent/mortgage. Right now I'm at 20% and it's nice to have spare money. I have enough savings for a while.

How I knew I was ready? When my dad said 'okay, you've saved up enough. Get out' lol

Once you actually DO IT, it's great. My townhome is kind of crappy in some ways but being on my own is fabulous. I wish I'd moved out and forced myself to grow up earlier.
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  #12  
Old 04-28-2013, 09:32 PM
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I second Mint as a financial tool. We use it and it has its issues but for the most part, it's a pretty nifty app.

Apart from what everyone's already said, I would advise not signing a year lease. Or any lease if you can avoid it.

When I first moved out, I paid an extra $25 a month to have a 6 month lease. Everyone thought I was stupid for doing that. Well... when June came and the lease was up, we couldn't afford to make the next month's rent and had to live with my dad. So... consider the future.

I have a heard time seeing too far ahead and I've learned that it helps ME to focus on shorter term problems. If I had not wanted to spend the extra $25 for the 6 month lease, I'm not sure where I would be right now.

I'm moving out again this weekend and I can tell you, I've learned a lot from my first time. Budgeting is important, yes, but one thing I learned from my mother is that sometimes you have to splurge. You may be 'poor' all your life. Who wants to scrimp and save and never have a guilty pleasure all the time? (Now you have dogs, so I'm sure you'll 'splurge' a bit, but still, I think it's important to remember to BE HAPPY.)

Maybe even temporarily moving out would be a good idea. It kind of hit me like a brick wall when I moved out. If you can at all, try to ease into it.

Oh and I was ready when I... wanted to stop being in a long distance relationship. It was kind of either move in or break up.
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  #13  
Old 04-28-2013, 11:01 PM
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Thanks for the advice!

The thing that makes me most comfortable about taking the plunge is that I know I can always come back. My 4 siblings that have moved out - I think every single one of them moved back home at least once before they finally left "permanently."

I'll have to crunch some numbers and see what I come up with. I don't really know anyone that could be a roommate and to be honest I don't know that I really want one, either.

I just keep struggling with what I want! For the convenience with the dogs, I don't really want an apartment. But if I'm going to live alone, I think I'd feel safest in an apartment. Although at this point I guess it's a matter of what I can afford, not what I want.
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  #14  
Old 04-28-2013, 11:38 PM
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I know this great apartment...where all the cool kids live.... just sayin.
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  #15  
Old 04-28-2013, 11:40 PM
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Quote:
Originally Posted by Raegan View Post
Never do it. Being an adult sucks.
I second this.

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  #16  
Old 04-28-2013, 11:57 PM
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Quote:
Originally Posted by Southpaw View Post
Sooo I want to someday be ADULT and finally move out. I feel like I must be getting to a point where it'll be "doable" but I don't know! I've always thought HECK NO to apartment living but I'm starting to think I wouldn't mind the right apartment in the right area.

Anyway. I just have no idea how I'm supposed to figure out if I can afford it, or maybe more importantly, figuring out HOW MUCH I can afford. Or any other little tips and tricks to make it a smooth and logical process...

This is still probably a ways away because I have no clue where I'm going to go with 2 "big" dogs and a cage of rats lol. Just been thinking about it a lot more recently.
As someone who is now living at home again I can't really give advice ... But it's more for my parents benefit then mine.
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  #17  
Old 04-29-2013, 12:07 AM
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I moved out before I was ready. I was 17 when I moved out and it's been really hard making up for the years of financial short comings (credit card debt). At 21 I finally feel like I have a good grip of my situation to move forward. If I had been older and in a better job initially, I'd just make sure I'd save up lots and lots of money. I think 5000 would've been absolutely ideal in my city and for me personally. Start off strong financially and remain responsible. Cost of living is pretty high here so that number might be lower.


Even so, living on my own has caused a lot of positive personal growth, and I really do love it compared to living with my mother. I don't think I ever could live with my parents again. Maybe my father, but even then I don't think I would. Even with the struggle, it was still worth it. Just save!

Also even though roommates can be awful at times, they are largely the best idea for when you're starting out. They really do save you a lot of money and instead of paying for a place on your own (and putting that money down the rent drain), take the savings of sharing rent and put it towards a house. Once I finish saving up for my new car, that's going to be my next direction. I pretend I have to pay the full 900 in rent, and tuck the other 450 away. I would never actually live by myself though, i treat roommates and paying rent like a prison sentence until better things. :P
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  #18  
Old 04-29-2013, 06:13 AM
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I don't really want to burn money on an apartment because one day I will inherit the ranch & property & I want to save as much money as I can so I can put it into the property when I get it.
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  #19  
Old 04-29-2013, 09:11 AM
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I always think moving out on your own is a good idea. I moved out.. suddenly. Had a BIG falling out with my dad, and no longer felt that I was safe, so I left. thankfully, I had a friend who had an apartment open, and had cheap rent, she didn't care about my dog, and I was working a TON. Gave me the opportunity to save enough money to move out west and pay off my Jeep.

Now I've lived on my own/with Josh (minus living with a family friend in CO for a bit) for almost two years exactly. I love it. I LOVE IT I LOVE IT I LOVE IT. I couldn't imagine living with my parents (or other people) again. Ugh. If Josh and I got divorced, I would find a way to stay on my own.

That said, roommates can be a good thing in order for you to save money. Lol. Do what you think is right. If you can swing it, I say go for it. Budget well, and try to stick to it as much as possible. Dave Ramsey is your friend.
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  #20  
Old 04-29-2013, 12:34 PM
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I moved out when I was done with school full time and was working a full time job (I was 21). I just...needed to leave. I love my family, but I walking through the door immediately caused me to become stressed out.

I would say about 40% of my income goes solely to rent. Which sucks, but I've been able to survive so far. Lol Add on my car payment and electric bill and I'd say my percent income that goes to just flat out bills is about 60%. But even though I live paycheck to paycheck, I have not accrued any debt. And if it wasn't for going on vacation and also buying Future Puppy, I would have a nice chunk of money set aside simpley from money I saved from my paychecks.

Would it have been smarter for me to stay at home this last year and save-save-save while I was working fulltime? Without a doubt. But I have no regrets moving out when I did. Althouh it wasn't a very smart decision fiancally, it was the best one for me emotionally (even when I was going through my depression phase). I've grown up a lot this past year, and having my own place really facilitated that.
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