Re: Saving for an Apartment
Move back home with your parents :-) Jk. I was in your shoes about 4 months ago. To get an apartment, you will need a security deposit (usually the cost of the first month's rent) and also the first months rent and possibly the last months rent for some places. That can easily add up. Maybe look for someone looking for a roommate?
Regarding the car, with $0 down and low montly payments, you can get into a lease, but we all know leasing isn't the smartest financial decision. However, if it's your only option for low monthly payments until you get more money, it may be an option that suits your needs. However, you have to have full coverage insurance in a lease. I would suggest trying to save up $3,000 for a beater car (a cheap, reliable import like a honda or toyota) and putting the minimum insurance on it.
For the cell phone, one option you can do is a prepaid phone. No contracts to sign so when you start getting more money, you can quit using that and get onto a cell plan for more luxury minutes.
Be sure to look for a job ASAP since you will need proof of employment to get approved for most of these options.
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