I still live with family and I feel suffocated by them needing me to be there all the time. Parents never actually taught me how to "adult" and I don't even know how to begin trying to live on my own?
#1 priority is becoming financially stable enough to move out. If you are patient enough and your family let's you live there for free or a small price it'd be ideal for you to advance enough career wise to be able to afford a place on your own. If the situation at home is hostile then look for a female roommate youre compatible with.
If you're lacking the education and experience, now is a great time to make yourself so busy with school and work that you're only home to sleep and eat.
Giiirl, I feel this so much. When I was a teenager I felt absolutely suffocated by my parents. I couldn’t do much about it, so I moved in with my grandma to just get away from them. Then moved to college and eventually got my own trailer to live in. Now I have my own place and am looking into buying my first home sometime this or next year. Everyone grows and develops at their own pace. If I can help you I’m gonna need more info tho. What do you mean “adult?” Like, budgeting, chores, having a job, driving a car…? In my personal opinion broke is always temporary. We all start off broke and it’s ok, but don’t linger there. I lived alone off of $12.50 an hour. Look for low income, section 8 housing. Is it the nicest? No. But it’s somewhere to live. Get a credit building debit card or a credit card (ONLY if you can pay it off in FULL every month, if not get the debit card). Credit is huge when it comes to getting an apartment, a car loan, a personal loan, a student loan, getting a good insurance rate, or a mortgage. My rates when my credit was at 680 vs 735 were night and day. Build your credit asap. There’s a good chance nothing will be a quick fix, but will take time to plan and execute. So if you don’t have a way to get a job that’s step number one. Even getting a bike off facebook market place or something should help getting to and from work. Then, once you have a way to get to work, find a job. Any job. Min wage is fine as long as you’re making money. Job hopping every 3-12 months is gonna be to your benefit when you’re looking to make serious money. In 2018 my first job paid $7.25 an hour, I now make $30+ an hour. Job hop! Honestly, the only real get financially stable quick jobs are trades and vocational schools. Like truck driving, welding, etc which have programs that pay you to be trained and automatically give you a job if you pass training. So if you’re really strapped and the situation is harmful, google a program that can get you the fuck out of there and get you making money asap. Even if you don’t like it, think of jobs as wealth building tools to launch you into a better situation. My degree is not in truck driving, but I want to build my wealth, pay off all my debt, and get my bag before I try and pursue a lower income job. It’s good to think about what you’re aiming for, too. What are your career goals? What are your personal goals? Aspirations? Where do you see yourself in 5 years? 10? Do you want a degree? Do you want a high paying job? Are you interested in maybe living in a LCOL area for a period of time to save up more money or are you insistent on staying in a HCOL area? If you want a city feel, there are LCOL walkable cities that while not to the scale of LA or New York, do offer reasonably priced housing, a good job market, and public transportation. Going back to the adulting thing. Do you need help with chores? Washing clothes? Cleaning your house? Basic hygiene? If that’s the case, look at what your parents buy to clean, unless they never clean and are hoarders or something, then Youtube will have a lot of resources on how to do laundry, clean counters, organize a pantry, create a budget, etc. Hm. I really wish I knew what you meant by “adulting” tho. I don’t really know what to help you with.
Hey, thanks for your response. I think I am mostly just clueless about finances. I don't really know much about how buying or renting a place or how insurance works or how credit scores work. I only just learned how to file taxes this year and even that kind of confused me. I feel that I am independent in general but it's all of those things that are holding me back. I guess I am also looking for good resources to learn about those things
You could try looking for a roommate to offset costs. But if your family is good you might want to stay with them until you’re in a better financial situation. a few years ago when I was in my early/mid 20s I lived with a guy (🤦♀️) and it wasn’t good. So I moved out and I was broke since he didnt have a job and I had to pay for everything (🤦♀️)
I will say it’s hard when you have no money to move out. So I would try and wait or maybe if you know anyone thats looking for a roommate that would work for you. depending on where you live you might be able to find affordable studio or 1 bedroom places. There’s lots of sites that advertise rentals. So I’d start there even to just get an idea of how much rent will be
Depending on your age and situation, you could try being the building manager to cut down on rent or even working as an au pair to get free room and board someplace
Here is how renting an apartment by yourself works in most of the US:
Look at rental listings. These are posted either by the landlord or a rental agency. Contact the poster to ask if the unit is still available and if so, schedule a showing. They may offer to show you similar places as well. You can also contact a rental agency directly (check reviews online) and ask them to help you find a place.
Visit the unit. Make sure the place is safe and in good condition.
Tell the landlord or rental agent you would like to apply to rent the unit. If you are working with a rental agent, you will pay their fee before you can apply -- often this is one month's rent, even if all they did was show you one place. They only keep this fee if your application is accepted.
Fill out the application form. You can find examples of what these look like and how to fill them out online. The big question is whether you make enough money to afford the rent. The typical rule is that your monthly pay should be 3 times the monthly rent. The other option is to have a co-signer (a relative, etc. who agrees to be legally responsible for paying the rent if you stop paying).
If the landlord accepts your application, they will contact you to sign a lease and give them a deposit. Often the deposit is 2 or 3 months' rent: your first month and/or last month paid in advance and a security deposit equal to one month's rent. If you damage the unit, they will keep some or all of the security deposit when you move out to cover the repairs.
Move in!
Here is an example budget breakdown:
Your income: 3000 per month
The rent: 1000 per month
Rental agent fee (if needed): 1000
Deposit given to landlord: 2000 or 3000
Sometimes there are other fees like an application fee, key fee, pet deposit, parking space fee, etc. So the bottom line is that you will need to know before you start the process how much money you bring in, how much rent you can afford, and have some money saved up for fees and deposits.
#1 priority is becoming financially stable enough to move out. If you are patient enough and your family let's you live there for free or a small price it'd be ideal for you to advance enough career wise to be able to afford a place on your own. If the situation at home is hostile then look for a female roommate youre compatible with.
If you're lacking the education and experience, now is a great time to make yourself so busy with school and work that you're only home to sleep and eat.
Giiirl, I feel this so much. When I was a teenager I felt absolutely suffocated by my parents. I couldn’t do much about it, so I moved in with my grandma to just get away from them. Then moved to college and eventually got my own trailer to live in. Now I have my own place and am looking into buying my first home sometime this or next year. Everyone grows and develops at their own pace. If I can help you I’m gonna need more info tho. What do you mean “adult?” Like, budgeting, chores, having a job, driving a car…? In my personal opinion broke is always temporary. We all start off broke and it’s ok, but don’t linger there. I lived alone off of $12.50 an hour. Look for low income, section 8 housing. Is it the nicest? No. But it’s somewhere to live. Get a credit building debit card or a credit card (ONLY if you can pay it off in FULL every month, if not get the debit card). Credit is huge when it comes to getting an apartment, a car loan, a personal loan, a student loan, getting a good insurance rate, or a mortgage. My rates when my credit was at 680 vs 735 were night and day. Build your credit asap. There’s a good chance nothing will be a quick fix, but will take time to plan and execute. So if you don’t have a way to get a job that’s step number one. Even getting a bike off facebook market place or something should help getting to and from work. Then, once you have a way to get to work, find a job. Any job. Min wage is fine as long as you’re making money. Job hopping every 3-12 months is gonna be to your benefit when you’re looking to make serious money. In 2018 my first job paid $7.25 an hour, I now make $30+ an hour. Job hop! Honestly, the only real get financially stable quick jobs are trades and vocational schools. Like truck driving, welding, etc which have programs that pay you to be trained and automatically give you a job if you pass training. So if you’re really strapped and the situation is harmful, google a program that can get you the fuck out of there and get you making money asap. Even if you don’t like it, think of jobs as wealth building tools to launch you into a better situation. My degree is not in truck driving, but I want to build my wealth, pay off all my debt, and get my bag before I try and pursue a lower income job. It’s good to think about what you’re aiming for, too. What are your career goals? What are your personal goals? Aspirations? Where do you see yourself in 5 years? 10? Do you want a degree? Do you want a high paying job? Are you interested in maybe living in a LCOL area for a period of time to save up more money or are you insistent on staying in a HCOL area? If you want a city feel, there are LCOL walkable cities that while not to the scale of LA or New York, do offer reasonably priced housing, a good job market, and public transportation. Going back to the adulting thing. Do you need help with chores? Washing clothes? Cleaning your house? Basic hygiene? If that’s the case, look at what your parents buy to clean, unless they never clean and are hoarders or something, then Youtube will have a lot of resources on how to do laundry, clean counters, organize a pantry, create a budget, etc. Hm. I really wish I knew what you meant by “adulting” tho. I don’t really know what to help you with.
You could try looking for a roommate to offset costs. But if your family is good you might want to stay with them until you’re in a better financial situation. a few years ago when I was in my early/mid 20s I lived with a guy (🤦♀️) and it wasn’t good. So I moved out and I was broke since he didnt have a job and I had to pay for everything (🤦♀️)
I will say it’s hard when you have no money to move out. So I would try and wait or maybe if you know anyone thats looking for a roommate that would work for you. depending on where you live you might be able to find affordable studio or 1 bedroom places. There’s lots of sites that advertise rentals. So I’d start there even to just get an idea of how much rent will be
Depending on your age and situation, you could try being the building manager to cut down on rent or even working as an au pair to get free room and board someplace
Here is how renting an apartment by yourself works in most of the US:
Look at rental listings. These are posted either by the landlord or a rental agency. Contact the poster to ask if the unit is still available and if so, schedule a showing. They may offer to show you similar places as well. You can also contact a rental agency directly (check reviews online) and ask them to help you find a place.
Visit the unit. Make sure the place is safe and in good condition.
Tell the landlord or rental agent you would like to apply to rent the unit. If you are working with a rental agent, you will pay their fee before you can apply -- often this is one month's rent, even if all they did was show you one place. They only keep this fee if your application is accepted.
Fill out the application form. You can find examples of what these look like and how to fill them out online. The big question is whether you make enough money to afford the rent. The typical rule is that your monthly pay should be 3 times the monthly rent. The other option is to have a co-signer (a relative, etc. who agrees to be legally responsible for paying the rent if you stop paying).
If the landlord accepts your application, they will contact you to sign a lease and give them a deposit. Often the deposit is 2 or 3 months' rent: your first month and/or last month paid in advance and a security deposit equal to one month's rent. If you damage the unit, they will keep some or all of the security deposit when you move out to cover the repairs.
Move in!
Here is an example budget breakdown:
Your income: 3000 per month
The rent: 1000 per month
Rental agent fee (if needed): 1000
Deposit given to landlord: 2000 or 3000
Sometimes there are other fees like an application fee, key fee, pet deposit, parking space fee, etc. So the bottom line is that you will need to know before you start the process how much money you bring in, how much rent you can afford, and have some money saved up for fees and deposits.