Question for anyone living on your own (or with a roommate)

[Wookie384]

So a friend of mine asked me to move out with her into an apt. It's a pretty nice place and the rent is fairly cheap, but when you break it down and factor in; rent, utilities, insurance (for my cars), food, cell phone bill etc, I am left with around $600 a month for personal expenses (to go out, etc). I know that's not much but is that do-able? I guess I'm looking to see if there is anyone else who are in a similar circumstance and if there are any suggestions before I decide to do this.

[lude4life13]

I think its do able, but I also think you will want more, and that you should also have money to save each month. Just don't put yourself in a situation where you are living paycheck to paycheck. Only you really know how much you spend.

[seesquared]

Depends on how much your "lifestyle " costs. Having an extra $600 a month is do-able. If you like to go out fairly often with friends, girls on dates, catch a game, etc... then that $600 could go away really quick.

lude4life pretty much nailed it. $600 could be a lot to one person, and nothing to the next person. But yes, dont live paycheck to paycheck. Keep some money in savings (like over $1000 at least)

[yokotas13]

hell no. i wouldnt do it

[dizzariot]

If you live at home, don't pay rent, don't buy groceries, and your parents aren't dictators...just enjoy the free ride until THEY want you out dude. Today's economy is no joke. If you got fired from your job it's not exactly easy to get hired (even at McDonald's) nowadays.

Or do what I'm doing. Join the military LOL!

[ManoNegra]

27 years old huh?
Move out, find out how the real world works and gain some perspective as far as what's important to you in life.
Sooner one does this in life the better off they are imo.

[JaysPerformance]

I wouldn't rent. That's just me. I'm starting to look around for a house to buy. It's a buyers market now. So atleast buying you have an investment. Renting your just paying someone else's morgage basically. But don't buy with someone and make that big mistake, you buy and you rent out the room or rooms like I plan to do. 150,000 dollar house about 1300 for morgage and utilities renting each room for 600 each. I'm almost living for free!

[JaysPerformance]

I wouldn't rent. That's just me. I'm starting to look around for a house to buy. It's a buyers market now. So atleast buying you have an investment. Renting your just paying someone else's morgage basically. But don't buy with someone and make that big mistake, you buy and you rent out the room or rooms like I plan to do. 150,000 dollar house about 1300 for morgage and utilities renting each room for 600 each. I'm almost living for free!

Just another idea

[Daniel.]

Hell no. I'd save my money to buy a house.

[spooled240]

is this girl hot? That should be half the decision there lol

I have a little over 1000 extra and it's kinda hard. Then again I buy car parts and go out a lot lol if you limit yourself it is "doable"

moving out is fun though and probably one of the best decisions I've made

[yokotas13]

27 years old huh?
Move out, find out how the real world works and gain some perspective as far as what's important to you in life.
Sooner one does this in life the better off they are imo.

and to put in perspective

im 27, working and living in saudi arabia. making 10x your spending money.


and i dont pay rent
get your head out of your ass and move up in the world

[EnemyS15]

DONT PAY RENT! STAY AT HOME and SAVE THAT MONEY!!!! When the time is right or if your parents say "it's time to get out", you will have enough money to either rent or buy, with a nice cushion, in case something does happen (medical, fired, car problem, etc)


Had I listened to my older friends and stayed home til I was ready or parents kicked me out, I would've had a pretty comfy life outside of home. I had to struggle for a while, while in school, until I got my degree and was able to make a very nice paycheck. Those who say, get out and learn the real world are dumb. You can experience the real world , while still living in your current arrangement. Do things the right way and save until you have a nice enough cushion in your bank to cover you.

[simmode1]

Those who say, get out and learn the real world are dumb.
Learned this from experience. Stay home, learn a craft that will stay in demand (like dentistry or something), stack paper and move out into the world like a fucking BAWS. $600 a month may seem ok to some, but it's chump change to someone with a REAL career.

Find yourself a girlfriend with her own place & keep your stuff wrapped up if you just gotta get out of the house.

And hell... why are you asking us about this?!? Talk to your parents about this shit. I wish I had done that instead of talking to dumbass friends before I moved out. Worst decision I ever made.

[Daniel.]

Now let's all lecture him about how not to be a shitty member of society.

[MWH_Photo]

If you're talking $600 after ALL expenses (which it looks like you are) then that's easily do-able. The wife and I were clearing less than that right after we bought our house with me working retail still and her working part-time.

That being said though, I wouldn't do it..

Save up money, get a steady income (if you don't already) and put a down payment on a house. The money you spend on the mortgage each month will be actually going to something.. not paying for someone else's property.

Do it right and save up enough to put down 20% and you won't have to worry about mortgage insurance which is just useless $$ out the door now since it's not eligible for a tax write-off anymore.

Instead of moving out right when I got a stable job and finished school, I dealt with living at home for another 1.5 years.. I saved up enough to put down 20% on our home and get a conventional loan. Or mortgage each month is now about 3/5ths the cost of what others pay to just rent.

Summing it up.. It sucks living at home, but saving up enough $$ to buy a house and not go through FHA is WELL worth it in the end.

[ManoNegra]

and to put in perspective

im 27, working and living in saudi arabia. making 10x your spending money.


and i dont pay rent
get your head out of your ass and move up in the world

a) was talking to OP who is 27 years old
b) how do you know how much I make?
c) I'd rather make 10x less than you and not have to live in Saudi Arabia
d) I don't pay rent either
e) I'm happy with my place in the world
f) spend a little of that cash you have, quit building ugly cars

[future]

a)
c) I'd rather make 10x less than you and not have to live in Saudi Arabia
f) spend a little of that cash you have, quit building ugly cars

QFT

Mehahevelvhevwh

[fliprayzin240sx]

I wouldnt wanna live in Saudi either, even if you pay me $150k a year...Now Qatar, Bahrain or UAE. I'd live out there...Shit, I'd live in UAE for less than $50k if the company pays for my flat and utilities.

But back to the OP, $600 as in extra after calculating food and gas into everything else or $600 and you have to use that food/gas? Gas alone will eat your $600 in CA.

[theronin]

If you live at home, don't pay rent, don't buy groceries, and your parents aren't dictators...just enjoy the free ride until THEY want you out dude. Today's economy is no joke. If you got fired from your job it's not exactly easy to get hired (even at McDonald's) nowadays.

Or do what I'm doing. Join the military LOL!

Sorry I do not condone freeriding off of your parent/parents. you are 27 be a man. Yakota doesn't pay rent because WE pay his rent. Sure buying a house is the ultimate goal, but that may not be feasible for your life right now. Rent is totally fine, anyone who hasn't paid rent at least once in their life is either:

A in the military
B rich parents
C won the lottery

[theronin]

and to put in perspective

im 27, working and living in saudi arabia. making 10x your spending money.


and i dont pay rent
get your head out of your ass and move up in the world


your ego doesn't help this kid at all, but i do thank you for your service to our country.

[drift213]

This ain't face book.. lol dude I just turned 20 and live by myself and have 2 s14 Sr not bragging but if you are commited you could survive I have 800 left a month but I work on cars on the side I don't stay home scratching my balls on my day off

[yokotas13]

a) was talking to OP who is 27 years old
b) how do you know how much I make?
c) I'd rather make 10x less than you and not have to live in Saudi Arabia
d) I don't pay rent either
e) I'm happy with my place in the world
f) spend a little of that cash you have, quit building ugly cars

wasnt talking to you
was talking to the 27 year old OP that has done nothing with his life

but way to think it was about you to make a witty post about ugly cars that you dont own (and im sure you will say wouldnt own....but who gives a shit if you would own MY cars)

the point is. he should be more worried about saving to be in a better place rather than scraping by

Sorry I do not condone freeriding off of your parent/parents. you are 27 be a man. Yakota doesn't pay rent because WE pay his rent. Sure buying a house is the ultimate goal, but that may not be feasible for your life right now. Rent is totally fine, anyone who hasn't paid rent at least once in their life is either:

A in the military
B rich parents
C won the lottery

Nope
Im not military smartie :)
job pays for it. Part of the perks. I get a free car too

I wouldnt wanna live in Saudi either, even if you pay me $150k a year...Now Qatar, Bahrain or UAE. I'd live out there...Shit, I'd live in UAE for less than $50k if the company pays for my flat and utilities.

But back to the OP, $600 as in extra after calculating food and gas into everything else or $600 and you have to use that food/gas? Gas alone will eat your $600 in CA.
saudi is fun as shit man. dont knock it till you try it NOT military

Abu Dhabi is next on the list though

[KiLLeR2001]

Abu Dhabi is next on the list though

There's absolutely no underground sewage system in Dhabi. They dump it all in the water. Here you go...

-pQdjwliLMA

Enjoy your stay!

[SimpleS14]

A lot of people have already commented on the finance piece of things, so I won't repeat myself. What I will say is that, unless you know for a fact there is zero attraction to this friend and she's not a slob (rarity IMO)...you might want to think twice about living with her.


There's absolutely no underground sewage system in Dhabi. They dump it all in the water. Here you go...

I never knew this!

[Wookie384]

Damn, I didn't expect this many responses.

Maybe I should give more insight into my situation. I am 27 going on 28, I have lived with my folks all my life, and they have helped me out a lot, I was going to move out back in '08, but when the economy tanked, I lost my job, and had to work a whole two years at minimum wage (took me alost a year to get that job) until last year when I got back on my feet and got my current job (while working that shitty job I was still hunting for work like crazy).

I am planning on moving out because my 33 year old sister just moved out (didn't want to deal with the stress, long story). I have been getting hints that I should also from my mom, my pops doesn't think I should move out, but isn't going to stop me, I am one who doesn't like to over stay my welcome, so to speak, so I started looking for a place of my own. I had to tap into my savings (as well as get some help from my folks) when I went a year without working, and I am just now at a point where I can start saving up again.

For the past year I have been paying about $650 to my folks for "rent", so I figure If I'm paying rent I might as well pay for something I want than settling for less. At my folks house I don't have a garage to work on cars or store my S13, as apposed to the apt. I'd have a garage. The area where my folks live is shitty, we've already had once car stolen from our house, my neighbor has had his house broken into twice, and all other kinds of shit happens there, I'd be moving into a lot quieter neighborhood.

I am a field technician and I make 35k+ a year, my job is very stable, and I get full benifits (health care, dental, vision, life insurance), I have a company car (on top of my two) and I get reimbursed for all work related expenses (food, gas, maintenence for the car etc)

I would have joined the armed forces fresh outta high school but I have a knee injury and poor vision which would have kept me from doing what I would like to do.

My potential roomate is a good friend I've known for years. I guess she's atractive but isn't my type (physically and personality wise) but we are good friends, I highly doubt we'd ever hook up or anything of the sort.

Honestly, I realize living at home I'm just a big man child, I feel like I do need to get out on my own and expirence adult life/responsibility without having the safety of having my folks to fall back on. But like I said earlier, I just want to know if that $600 (after ALL expenses) would be enough. For now I am literally keeping track of every cent I spend for the next few weeks to guage how much I spend on a regular basis.

I would love to buy a house, but buying a house in So. Cal. is hard, and to be honest I dont think I could pull it off for a long time, If things go the way it is at work I'm sure I'll be making more money and could afford to save some money till I am ready to buy a house. I figure move in with my friend, buckle down and hustle and maybe 5 years from now get into my own place. That's my goal, by the time I'm 35 I'd like to have my own place, for now this would be a transitional phase.


Thanks for all your comments, positive or negative, I'll take them all into consideration and I appreciate them.

[dizzariot]

Dude your bio says N. Hollywood...GET THE FUCK OUTTA THERE. I don't know if you're planning on staying in Los Angeles county, but shit is a lot cheaper in the Inland Empire. I've been working up along the 210 Freeway in both counties. Try looking at the older cities in the IE. You'd be surprised at the prices for a nice place in a stable area. You may have to commute, but hey that's life.

[HyperTek]

i hear that, your not alone. Times have been hard for me as well, lack of employment has been killer for me.

btw the inland empire sucks for employment, it always makes Forbes top worst cities for careers.
number 1 worst area http://www.forbes.com/pictures/efkk45igej/no-1-riverside-san-bernardino-ontario-calif/#gallerycontent

[TheWolf]

do whatever you want... just let her name be on the lease...

don't let it be a "joint" venture.

[Maikeru5]

You'll have $600 left over after bills? I wish I had that much.

But seriously, If you are making $35+ a year, you should be able to at least afford a small apartment. I'm just amazed that your 28, still living with your parents and a girl talks to you.

[WISH ONE]

I say do it, man. It might end up being a valuable experience.
I moved out at 21 when my parents left the states. It was rough for a couple years, but I wouldnt trade the experience.
Just make sure your friend pays her bills, you trust her, and she keeps her space tidy.
Dont sweat the small stuff. Life goes on.

[fliprayzin240sx]

I just home neither one of you is a slob...fastest thing to kill the whole roommate thing. I've been lucky that all my roommates before I got married were cool as shit and didnt make a whole lot of mess. I fucking hate washing other people's dishes...

[ultramagnus]

Rules to roomates

1. make sure you get along 75% of the time, you don't have to be buddy's, example if you smoke weed and they don't respect that shit. I've had to regulate on roomies that don't share:snoop:

2. Rent make sure you have your share and don't end up paying theirs.

3. Never share a bathroom if you can help it, otherwise keep your shit clean and hide it away from nosey fucks.

4. only buy food for a few weeks not months or years. this will help you manage your budget and avoid freeloaders

5. Clean,Clean,Clean if you're a slob or your roomate is one then you will have issues and not just little ones, you will blow the fuck up.

6. Have a comfy common area where neither of you feel like you are superior to the other. it sucks when you wanna chill on the couch and you don't feel like you belong in there.

7. Garages are for CARS !!!!!! don't be a HOARDER and DON'T LIVE w/ one. That's what the living room and backyard was made for. Unless you are all car geeks.

8. No loans you're not a bank, unless you're monetary worth is insured by the FDIC

9. Depending on how much you or the other person parties keep that shit to a minimum unless you like to rage and have a fucked up place,picking up trash after a party is not fun but finding free bags of HERB is :bigok:

10. Last rule Keep the SEX discreet, don't parade the meat around like it's a fucking trophy;fuck it and get rid of it at good time.

Good Luck and Happy living. :rawk:

[RiversideS13]

Do you have credit card or school debt? I think you could enjoy the luxury of move out only if you have at least 6 months income saved up for emergency. If your parents are cool for you to stay home, that is great and will save you a bunch of money and drama. like many people said, save up for a purchase, it has to start somewhere. or even save up for investment or start your own business. However, it sounds like you pretty much had your mind set for move out as you dislike your folks area and you paid them anyway (you are helping them with payments, that's nice. i assuming 650 including all? maybe even foods too?). $600 is not enough for me as monthly as i spend most on gas and dine out (typically 1k total). you would better wish you never get traffic ticket, accident, computer and car never fail, never had to pay for a date, buying new car parts, get sick that requires you to pay some copay and medications, new cloth, no stolen property ....etc. ultimately it is your choice if you are up for taking the risk and if your folk can help you out if worst scenario happened.

[drift freaq]

this thread is a barrel of laughs..

Dude your bio says N. Hollywood...GET THE FUCK OUTTA THERE. I don't know if you're planning on staying in Los Angeles county, but shit is a lot cheaper in the Inland Empire. I've been working up along the 210 Freeway in both counties. Try looking at the older cities in the IE. You'd be surprised at the prices for a nice place in a stable area. You may have to commute, but hey that's life.

LOL Nothing personal man but, I do not consider (nor do I think Kevin the OP) the Inland Empire as a step up from NoHo or the San Fernando Valley.
Nor do I look at Saudi Arabia as a prime destination spot and of course Yokota will probably get butt hurt about this statement as well.

Here is the deal Kevin, Moms has already hinted around moving, that is a signal to go. Now If you are talking about $600 spare cash after all expenses every month then ya go ahead and move. Its not a lot but it could push you to earn more.
Next off is moving out is indeed a part of growth. I moved out when I was 20. I actually feel moving several hundred miles from the reach of family is a good thing as well. It forces you to be a lot more independent. It disconnects the whole backup feel thing.

When I moved out at 20 my mom was basically, move out you are 20, I want my house back. LOL
I wound up starting my own Japanese Engine and Transmission business among other things. I made shit happen because I had too.
I grew a lot from that. I also grew a lot more when I moved long distance. It actually while severing the imaginary cord also brought me closer in the family relationships. Strange huh?

Anyways you have a decent head on your shoulders and you are hard working I trust you will do fine if you move out. As far as the people suggesting don't rent buy a house? LOL I laugh again . Unless you want to live up in Palmdale or out in the god forsaken Inland Empire, buying a house in California on your income is a stretch.

Nothing wrong with renting folks. My Father is worth more than most of you will ever make and he rents and has for over 30 years. Why, convenience is one and he makes more off investments than the whole topsy turvy housing market could even have made him equity wise.

Rule number one for buying a home is this... If your mortgage and property taxes are cheaper or equal to what you pay in rent go for it. If not stick to renting and look to ways to make more cash with your spare cash i.e. investments and whatnot.
Right now equity is practically non existent. If you do buy you follow the rule above and take a 30 year mortgage and plan on living there a long time. None of this own 5 years and flip on raised equity bullshit that went on before the bubble burst.

[FRpilot]

As far as the people suggesting don't rent buy a house? LOL I laugh again . Unless you want to live up in Palmdale or out in the god forsaken Inland Empire, buying a house in California on your income is a stretch.

Nothing wrong with renting folks. My Father is worth more than most of you will ever make and he rents and has for over 30 years. Why, convenience is one and he makes more off investments than the whole topsy turvy housing market could even have made him equity wise.

Rule number one for buying a home is this... If your mortgage and property taxes are cheaper or equal to what you pay in rent go for it. If not stick to renting and look to ways to make more cash with your spare cash i.e. investments and whatnot.
Right now equity is practically non existent. If you do buy you follow the rule above and take a 30 year mortgage and plan on living there a long time. None of this own 5 years and flip on raised equity bullshit that went on before the bubble burst.

not directed at you dave, but to add...

A lot of people are suggesting to save up and buy a house assuming the OP was already living at home without realizing that not everyone has the luxury of living at home for free, free food, bills paid for you, and saving all your spare cash. if you're young and on your own you are probably forced to rent in certain areas of california.

California is an expensive place to live in and the cost of a house is not like other parts of the US where you can get a house for $150,000. i know this for a fact in Silicon Valley and I'm assuming anywhere near LA or Hollywood isn't cheap either. in SF Bay Area, half a million dollars gets you a 2/2 condo and a nice house cost anywhere from $750,000 to $1M. to come up with just the MINIMUM 20% down payment on a half a million condo is $100,000 cash! who has that saved up after paying regular living expenses? it could take years or decade or more to save that amount of cash without the help from family and friends.

the debate between renting and buying is a whole other can of worms and depends on one's situation much like leasing or buying a car. imo, if you plan to start a family and be in the house for 20 to 30 years, then I would say go for it if you have the money saved. if you are paying the same or even a little bit less in rent, then you should probably stick to renting but if you pay about the same than the total cost of home ownership, THEN you should probably buy IF you have the cash. People tend to forget the true cost of home ownership and think you only have to pay the mortgage. there are many other cost of home ownership to consider such as home insurance, property taxes, maintenance and major repairs eventually, HOA fees, etc. and it all adds up.

[drift freaq]

not directed at you dave, but to add...

A lot of people are suggesting to save up and buy a house assuming the OP was already living at home without realizing that not everyone has the luxury of living at home for free, free food, bills paid for you, and saving all your spare cash. if you're young and on your own you are probably forced to rent in certain areas of california.

California is an expensive place to live in and the cost of a house is not like other parts of the US where you can get a house for $150,000. i know this for a fact in Silicon Valley and I'm assuming anywhere near LA or Hollywood isn't cheap either. in SF Bay Area, half a million dollars gets you a 2/2 condo and a nice house cost anywhere from $750,000 to $1M. to come up with just the MINIMUM 20% down payment on a half a million condo is $100,000 cash! who has that saved up after paying regular living expenses? it could take years or decade or more to save that amount of cash without the help from family and friends.

the debate between renting and buying is a whole other can of worms and depends on one's situation much like leasing or buying a car. imo, if you plan to start a family and be in the house for 20 to 30 years, then I would say go for it if you have the money saved. if you are paying the same or even a little bit less in rent, then you should probably stick to renting but if you pay about the same than the total cost of home ownership, THEN you should probably buy IF you have the cash. People tend to forget the true cost of home ownership and think you only have to pay the mortgage. there are many other cost of home ownership to consider such as home insurance, property taxes, maintenance and major repairs eventually, HOA fees, etc. and it all adds up.

I agree with all of this. Except I should add the OP stated in fact he is paying rent to his parents. I know the OP and quite often he pays for his own food as well. So though he is still living at home he is actually already in the move out mode. It would be wise for him to severe the tie at this point for his own experience. IMO

[ericcastro]

wasnt talking to you
was talking to the 27 year old OP that has done nothing with his life



Jeezus fucking christ Grant.

Im sorry but fuck,
Tell me if Im wrong??
you signed up for the military, dont pay for shit and just let uncle sam lead you around by the hand, then act like you are handling shit?



LOL Nothing personal man but, I do not consider (nor do I think Kevin the OP) the Inland Empire as a step up from NoHo or the San Fernando Valley.

Only an idiot would.
No one should live east of the I-5 really, or south of the I-10 in California.
If you do, you are in the suburbs and might as well move out of state, where its cheaper. Im sure they have whatever shitty riverside job you do in other places.
The backwards trashyness and highschool drama shit should let you know an area is full of breeders.

Stay in NoHo if you want. I was there for years, then burbank, then hollywood, now Ktown/LA.
$600 extra a month is totally fine.

When work is slow for me, i only have like an extra $100 a month, and i do just fine. And Im a guy that spends $600 in a night out like nothing.
Its not about how much you make, its about knowing what you have to play with that month, and making it work.


You are 27, fucking move out! Why would a woman even talk to you. Even craigslist girls wont date guys living at home.
There is tons of free and cheap shit to do in LA if you look. Start cycling and going hiking. Thats at least 4 of your 8 days off a month handled right there. now you only need to spend that $600 over 4 days. So you get a movie, sneakers, some H&M pants, a track day, dinner in hollywood with friends, a night out and a date, and still have $150 left over.

God damn, not a bad month.
get netflix and learn to read.
do a group cycling ride once or twice a week to fill it in and stay fit and feeling good.
shit, pick up a few hours twice a week and any shitty evening job, thats all money in your pocket there.

[pacotaco345]

My situation is a lil different than most in this thread... I go to school and live on campus, I'm on ROTC scholarship so everything is paid for (books, food, room & board, etc); thanks for paying for my school everyone btw lol. I get a $350 a month stipend + whatever little shit work I do on the side for friends or money I scrape in elsewhere, so I'll say my playtime money is about $500. About $300 of that goes to gas/cell phone/insurance, so really I have about $200 to spend. Most of that gets spent on car parts & most of my social life revolves around the 240 community out here. If I want to be social on campus I'll go to a party or 2 a week, but I try to keep my priorities straight so I can't be going out every other night.

[laurentj23]

600 is not gonna be enough. Wait till your car start
Breaking down, illness, ect
Ect

[kandyflip445]

It's so expensive. Draft a roommate agreement like Sheldon.

[Highway Riding]

27 years old huh?
Move out, find out how the real world works and gain some perspective as far as what's important to you in life.
Sooner one does this in life the better off they are imo.



+1 this is the truth!

[HAWAII]

you are 27 yrs old, get the hell out and live on your own! Don't be a sponge! The sooner the better!

[roboticnissan]

Jeezus fucking christ Grant.

Im sorry but fuck,
Tell me if Im wrong??
you signed up for the military, dont pay for shit and just let uncle sam lead you around by the hand, then act like you are handling shit?


Only an idiot would.
No one should live east of the I-5 really, or south of the I-10 in California.
If you do, you are in the suburbs and might as well move out of state, where its cheaper. Im sure they have whatever shitty riverside job you do in other places.
The backwards trashyness and highschool drama shit should let you know an area is full of breeders.

Stay in NoHo if you want. I was there for years, then burbank, then hollywood, now Ktown/LA.
$600 extra a month is totally fine.

When work is slow for me, i only have like an extra $100 a month, and i do just fine. And Im a guy that spends $600 in a night out like nothing.
Its not about how much you make, its about knowing what you have to play with that month, and making it work.


You are 27, fucking move out! Why would a woman even talk to you. Even craigslist girls wont date guys living at home.
There is tons of free and cheap shit to do in LA if you look. Start cycling and going hiking. Thats at least 4 of your 8 days off a month handled right there. now you only need to spend that $600 over 4 days. So you get a movie, sneakers, some H&M pants, a track day, dinner in hollywood with friends, a night out and a date, and still have $150 left over.

God damn, not a bad month.
get netflix and learn to read.
do a group cycling ride once or twice a week to fill it in and stay fit and feeling good.
shit, pick up a few hours twice a week and any shitty evening job, thats all money in your pocket there.




I just wanna say i enjoy reading your posts the most, not just i. This thread, but all of zilvia, its always classy and funny as shit.. or just downright retarded

[atom]

Nobody even bothered to ask a really important question, how much are you actually saving living at home vs. living on your own? If it's a lot I would say fuck it, stay at home.

I still mooch off my parents, sort of. And I have no shame about it. I rent an apartment from them at lower than market rate. San Francisco rent is no joke, I pay them $1800 a month even with the "family hookup". But that extra money I saved let me do things like pay off all my student loans way earlier than I would have otherwise. It also lets me max out my 401k contributions, make regular contributions to an additional investment portfolio, all while still living comfortably. Basically I'd never move unless they told me to GTFO. That money I save makes a pretty big difference.

If owning a home is your ultimate goal and this apartment is a stopgap, figure out say a 5 year projection of your finances living at home vs. living on your own to see how much further along you'd be towards home ownership if you stayed at home.

[Josh400]

^^Shit you must be making money to pay 1800 a month. School and bills are going to kill me. Op try and save the best you can

[thrax]

Just like to point out to the OP to make sure you calculated your expenses based on the new location and not from where you are now. For example your new location might give you higher car insurance rates or the commute times from where you need to go could be higher (hence more gas). If it is a nicer area your food costs will go up because the nicer areas have pricier grocery stores and it is not always convenient to go to the further cheaper places.

Just my 2 cents.

[Farzam]

Move out or travel around and live at your parents in between trips...carpe diem.

$600/mo breaks down to about $20/day...can you live off of $20 a day?

[The12thDoctor]

Rules to roomates

1. make sure you get along 75% of the time, you don't have to be buddy's, example if you smoke weed and they don't respect that shit. I've had to regulate on roomies that don't share:snoop:

2. Rent make sure you have your share and don't end up paying theirs.

3. Never share a bathroom if you can help it, otherwise keep your shit clean and hide it away from nosey fucks.

4. only buy food for a few weeks not months or years. this will help you manage your budget and avoid freeloaders

5. Clean,Clean,Clean if you're a slob or your roomate is one then you will have issues and not just little ones, you will blow the fuck up.

6. Have a comfy common area where neither of you feel like you are superior to the other. it sucks when you wanna chill on the couch and you don't feel like you belong in there.

7. Garages are for CARS !!!!!! don't be a HOARDER and DON'T LIVE w/ one. That's what the living room and backyard was made for. Unless you are all car geeks.

8. No loans you're not a bank, unless you're monetary worth is insured by the FDIC

9. Depending on how much you or the other person parties keep that shit to a minimum unless you like to rage and have a fucked up place,picking up trash after a party is not fun but finding free bags of HERB is :bigok:

10. Last rule Keep the SEX discreet, don't parade the meat around like it's a fucking trophy;fuck it and get rid of it at good time.

Good Luck and Happy living. :rawk:


This is the best advice I've seen on this thread. I have a roommate. He's a few years younger than me and while I'm extremely different than him (I teach, like comics, don't party) we get along really well because we both happen to smoke pot & watch hockey.

Moving in with someone is fine, but make sure you know their living habits and can tolerate some of the annoying things they do so you're not fighting all the time. IE: don't get petty.

[Walperstyle]

Do what I did. Buy a house, and have the renters pay your mortgage for you. (at the moment I have two 16 year old girl exchange students living at my house, 600/mo each)

If you are renting, you are only making other people rich.

Why be an occupy protestor when you can be on a beach somewhere not having to worry about bills or anything?

[ericcastro]

So did you move in yet, and did you bang her yet??

Pics of roomate chick??

[kandyflip445]

so did you move in yet, and did you bang her yet??

Pics of roomate chick??

+1 lol

msglngth

[Wookie384]

So did you move in yet, and did you bang her yet??

Pics of roomate chick??

Haha, After considering all pros and cons about moving out or not, were actually moving in today, and no I haven't banged het yer and I don't intend to. I think she's okay looking, but she's not the type I'd hook up with at all, Sorry, I'm not going to post her pics on here, I respect her privacy. We actually set up a few ground rules, and I think it'll work out pretty well. I'm on my phone now, but once I'm settled in and all, I'll update this thread on how things are going. Thanks again everyone for your opinions, suggestions and funny comments, it was enlightening (and in some cases hilarious) to see what some people suggested and said on this thread! Haha

Sent from my HTC One X using Tapatalk 2

[HPKMotorsports3]

OP if you still have $600 after all your bills youre in good shape... After all is said and done i have $35 or so to spend. If you dont have to move out or dont want to then dont... But $600 is good

[beeracing s14]

you gotta make it sure youve got an emergency fund next to you in case SHIT happens so bad to the economy. have something good for at least 6 months of living expenses saved up in the future. never live paycheck to paycheck.

[Corbic]

So a friend of mine asked me to move out with her into an apt. It's a pretty nice place and the rent is fairly cheap, but when you break it down and factor in; rent, utilities, insurance (for my cars), food, cell phone bill etc, I am left with around $600 a month for personal expenses (to go out, etc). I know that's not much but is that do-able? I guess I'm looking to see if there is anyone else who are in a similar circumstance and if there are any suggestions before I decide to do this.

Gotta move out sooner or latter....


I bought a house at 23...