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Originally Posted by heather
Just so everyone knows, I'm not plannin on gettin an apartment this year. I would love to be able to in the beginning of next year, but I'll be lucky to be able to by summer of next year.
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You said in your first post, "I hope to get [an apartment] within 5 months." No mention of getting one in 12+ months. I'm sure I can speak for everyone who posted that our responses were based on the shorter timeline you provided.
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When it comes to becoming a part-time student, the scholarship that pays my tuition requires me to be full-time.
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That's good to know. This means that your income opportunities are probably going to be very limited, since you can't work full-time if you needed to in order to make more money to support yourself. That being the case, I would recommend not getting your own place for at least a year, if not more, to allow you time to save up for all the expenses we have listed previously -- not to mention the unexpected things.
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My boyfriend isn't able to save up anything right now. But he will once he is able to and when living together, he will help pay for everything.
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Again, if you both put off getting your own place for at least a year, hopefully that will give him an opportunity to save up as well. You don't say when he'll be able to start putting money aside for saving, so it might be more like 18-24 months before it would be prudent for you to move in together. For instance, if he won't be able to start saving money until six months from now, then that's just setting things up to be very difficult for you both financially if you got an apartment only six months after that.
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When I mentioned monthly expenses, I meant what I have to pay for right now, not what I will have to in the future. (I currently live with my mom.)
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Sorry, I thought it was obvious that the question referred to what sort of expenses you incur now, even if you don't pay for them yourself.
If your mother currently pays for ALL your expenses except for gas -- clothes, entertainment, textbooks, toiletries, etc -- then you need to start taking baby steps towards financial independence BEFORE you move into your own place. There's no reason why a 19-year-old can't pay for her own entertainment, for instance, especially if she has a job. Otherwise it's going to be a rude awakening when you set out on your own and discover just how expensive it is.
How much does it cost to pay for the things that you need and/or do each month, regardless of who pays for it?
~ Jenney