life help: i really do hate living at home im 19 i want to move out but - Help.com

WHY NOT?

get a job, save, move out.

Urine Sane wrote:
get a job, save, move out.

ditto.

its not easy you have to be responcible and grow up. wake up on your own cook for yourself do your own laundry…iv been doing it since 16

Make a budget and see whether you can afford it. First, assume you are going to need three months’ rent to get started—first, last, and security deposit. So if you are sharing a $1,000 apartment with one other person, plan on having $1,500 up front.

Here’s a typical, modest, monthly budget for living independently with a roommate (at least where I live):

Rent - $500
Electric - $60
Phone - $50
Heat - $120 (averaged out over year)
Food - $200
Medical Insurance - $300
Car Insurance - $200
Car Fuel - $200
Car Maintenance - $100
Spending money (toiletries, etc.) - $100
Cell phone - $100
Cable & Internet - $60
Car payment - $200

TOTAL - $2190 per month

NOW, you can make your own adjustments to this. For example, if you don’t have a car, you can deduct the car-related expenses, but add in what it costs you for public transportation to work. If you have a cell phone but not a house phone, you can make that adjustment to the numbers above.

Assuming that you buy clothing, have credit card bills, eat out in restaurants, go to clubs, etc., you’ll need to ADD those to the total.

Supposing that you spend $75 a week on clothing, entertainment, hair stylists, and miscellaneous purchases, that would be about $300.

SO, if you have NO credit card bills or other loans (apart from a car loan with a payment of $200 a month), your monthly expenses living in an inexpensive apartment with a roommate would be about $2490 a month.

Thus, if you have $1500 in the bank for your initial payment and you clear $622.50 a week in income (meaning your gross pay would be about $750 a week, or $39,000 a year), you can afford to go off on your own.

Remember, this leaves no money for anything that is not specifically listed above.

Again, these are just estimates based on certain assumptions—you should plug in the ACTUAL numbers for the ACTUAL way you live. Do you pay for gym memberships? manicurists? video rentals? Takeout pizza? Make sure you include them …

Once you figure out EXACTLY what you spend on extras, and add it to the basic costs of maintaining a household, you will know whether you can afford this or not.

Good luck!

It DOES cost a lot to live on your own—-it might be a little more or a little less than I said, depending on costs in your area, but just remember to factor in a REALISTIC amount for all of those things.

BTW, I wish you were rich, too! Same for me!

Good luck, hon!