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How to Save up to Move Into Your First Apartment

How to Save up to Move Into Your First Apartment

Moving into your first apartment requires some start-up capital. You will need money to cover the cost of the security deposit and first month's rent. If you have a pet, you will need money to cover the pet deposit. If you have a limited credit history, the utility companies may charge you a small deposit to open an account in your name. By budgeting properly, you can save the money in you need in time to rent your first place.

Instructions

    1

    Determine how much you can afford to spend on rent. Calculate how much income you bring home each month after taxes, 401(k) contributions and insurance. CNN Money recommends spending no more than 30 percent on housing costs. Aim for a rental fee that is less than 30 percent of your income.

    2

    Research apartments in your area to determine the average cost of security deposits. Many landlords require a full month's rent as a security deposit, but some may require less.

    3

    Contact your local utility companies to determine if you will need to pay a deposit to open a new account. Ask for the amount of deposit with each company.

    4

    Determine how long you have to save for an apartment by deciding on a moving goal date. For example, if you want to move into your apartment in the next six months, you should have your savings completed after five months. Divide the total rent, security deposit and utility deposit by the number of months you have to save. You will need to save at least this much each month.

    5

    Create a simple budget to ensure you can reach your savings goals. Write down a list of all of your current bills and expenses. Subtract each expense from your total monthly take-home income. You can save the remaining income towards renting an apartment. If the remaining income does not exceed your savings goal, look for ways to cut back in your budget. For example, you could lower your cell phone plan or cut down on entertainment expenses.

    6

    Open an interest-bearing savings account. Deposit money into the account on a bi-weekly or monthly basis until you reach your savings goal.


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